Home > Kress National Bank > Performance and Condition Ratios
Kress National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 2,830 |
| Cost of funding earning assets | 1.0080% | 3,275 |
| Net interest margin | 3.6211% | 1,933 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.1229% | 3,345 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4219% | 1,177 |
| Return on assets (ROA) | 1.4219% | 1,149 |
| Pretax return on assets | 1.4219% | 1,589 |
| Return on Equity (ROE) | 16.9800% | 951 |
| Retained earnings to average equity (ytd only) | 8.1326% | 1,497 |
| Net charge-offs to loans | 0.1440% | 709 |
| Credit loss provision to net charge-offs | 236.3636% | 1,113 |
| Earnings coverage of net charge-offs (x) | 37.8636% | 1,479 |
| Efficiency ratio | 58.3292% | 3,259 |
| Assets per employee ($millions) | 9.4467% | 844 |
| Cash dividends to net income (ytd only)* | 52.1127% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 586 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 27.2600% | 4,336 |
| Net loans and leases to deposits | 30.1054% | 4,353 |
| Net loans and leases to core deposits | 32.0042% | 4,379 |
| Total domestic deposits to total assets | 90.5500% | 616 |
| Equity capital to assets | 9.0420% | 2,648 |
| Core capital (leverage) ratio | 10.6669% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4869% | 322 |
| Memoranda: | ||
| Average total assets | $54,926,000 | 4,263 |
| Average earning assets | $52,581,000 | 4,222 |
| Average equity | $4,598,800 | 4,295 |
| Average total loans | $15,276,600 | 4,344 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 2,882 |
| Cost of funding earning assets | 0.8657% | 3,359 |
| Net interest margin | 3.6467% | 1,895 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.0726% | 3,417 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.5098% | 1,097 |
| Return on assets (ROA) | 1.5098% | 1,091 |
| Pretax return on assets | 1.5098% | 1,537 |
| Return on Equity (ROE) | 18.4200% | 889 |
| Retained earnings to average equity (ytd only) | 6.2677% | 2,549 |
| Net charge-offs to loans | 0.1934% | 456 |
| Credit loss provision to net charge-offs | 159.0909% | 1,283 |
| Earnings coverage of net charge-offs (x) | 29.6364% | 1,598 |
| Efficiency ratio | 56.5043% | 3,353 |
| Assets per employee ($millions) | 8.9292% | 954 |
| Cash dividends to net income (ytd only)* | 65.9643% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,108 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 31.7000% | 4,287 |
| Net loans and leases to deposits | 34.8407% | 4,316 |
| Net loans and leases to core deposits | 36.9289% | 4,312 |
| Total domestic deposits to total assets | 90.9700% | 681 |
| Equity capital to assets | 8.6178% | 2,654 |
| Core capital (leverage) ratio | 10.4929% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5368% | 402 |
| Memoranda: | ||
| Average total assets | $54,487,500 | 4,284 |
| Average earning assets | $52,210,500 | 4,244 |
| Average equity | $4,467,250 | 4,318 |
| Average total loans | $15,164,000 | 4,370 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 2,932 |
| Cost of funding earning assets | 0.7315% | 3,404 |
| Net interest margin | 3.6500% | 1,915 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.0587% | 3,445 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5367% | 1,041 |
| Return on assets (ROA) | 1.5367% | 1,033 |
| Pretax return on assets | 1.5367% | 1,526 |
| Return on Equity (ROE) | 19.0600% | 824 |
| Retained earnings to average equity (ytd only) | 3.7126% | 3,278 |
| Net charge-offs to loans | 0.3040% | 276 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 20.1364% | 1,736 |
| Efficiency ratio | 56.0079% | 3,415 |
| Assets per employee ($millions) | 8.8142% | 964 |
| Cash dividends to net income (ytd only)* | 80.5226% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,277 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 31.1600% | 4,299 |
| Net loans and leases to deposits | 34.1746% | 4,328 |
| Net loans and leases to core deposits | 35.7416% | 4,332 |
| Total domestic deposits to total assets | 91.1800% | 596 |
| Equity capital to assets | 8.5052% | 2,859 |
| Core capital (leverage) ratio | 10.0368% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3960% | 415 |
| Memoranda: | ||
| Average total assets | $54,791,667 | 4,303 |
| Average earning assets | $52,493,000 | 4,264 |
| Average equity | $4,417,333 | 4,350 |
| Average total loans | $14,472,000 | 4,399 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 3,267 |
| Cost of funding earning assets | 0.6229% | 3,313 |
| Net interest margin | 3.4675% | 2,454 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.9948% | 3,639 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.4710% | 1,237 |
| Return on assets (ROA) | 1.4710% | 1,220 |
| Pretax return on assets | 1.4710% | 1,729 |
| Return on Equity (ROE) | 18.7300% | 921 |
| Retained earnings to average equity (ytd only) | 0.7311% | 3,904 |
| Net charge-offs to loans | 0.0599% | 777 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 774 |
| Efficiency ratio | 57.3196% | 3,268 |
| Assets per employee ($millions) | 9.1830% | 879 |
| Cash dividends to net income (ytd only)* | 96.0976% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 688 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 24.6700% | 4,468 |
| Net loans and leases to deposits | 26.8889% | 4,490 |
| Net loans and leases to core deposits | 28.2094% | 4,482 |
| Total domestic deposits to total assets | 91.7400% | 585 |
| Equity capital to assets | 8.0602% | 3,200 |
| Core capital (leverage) ratio | 9.3535% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4448% | 298 |
| Memoranda: | ||
| Average total assets | $55,745,000 | 4,358 |
| Average earning assets | $53,295,500 | 4,313 |
| Average equity | $4,377,000 | 4,411 |
| Average total loans | $13,345,500 | 4,479 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0922% | 4,001 |
| Cost of funding earning assets | 0.2109% | 3,669 |
| Net interest margin | 2.8813% | 3,722 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.0889% | 3,331 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7894% | 3,361 |
| Return on assets (ROA) | 0.7894% | 3,295 |
| Pretax return on assets | 0.7894% | 3,654 |
| Return on Equity (ROE) | 9.1100% | 3,101 |
| Retained earnings to average equity (ytd only) | 5.7103% | 2,745 |
| Net charge-offs to loans | 0.5298% | 133 |
| Credit loss provision to net charge-offs | 35.5263% | 1,874 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,361 |
| Efficiency ratio | 71.2878% | 1,528 |
| Assets per employee ($millions) | 9.3987% | 812 |
| Cash dividends to net income (ytd only)* | 37.3171% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 520 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 22.3600% | 4,529 |
| Net loans and leases to deposits | 24.2350% | 4,545 |
| Net loans and leases to core deposits | 25.5440% | 4,531 |
| Total domestic deposits to total assets | 92.2500% | 572 |
| Equity capital to assets | 7.6482% | 3,290 |
| Core capital (leverage) ratio | 9.6123% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9814% | 284 |
| Memoranda: | ||
| Average total assets | $51,941,000 | 4,425 |
| Average earning assets | $49,317,800 | 4,378 |
| Average equity | $4,500,600 | 4,485 |
| Average total loans | $14,345,200 | 4,498 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8274% | 4,158 |
| Cost of funding earning assets | 0.1487% | 3,856 |
| Net interest margin | 2.6788% | 3,971 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.1746% | 2,995 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.6322% | 3,742 |
| Return on assets (ROA) | 0.6322% | 3,697 |
| Pretax return on assets | 0.6322% | 3,932 |
| Return on Equity (ROE) | 7.0700% | 3,577 |
| Retained earnings to average equity (ytd only) | 2.5801% | 3,898 |
| Net charge-offs to loans | 0.6885% | 83 |
| Credit loss provision to net charge-offs | -30.2632% | 4,624 |
| Earnings coverage of net charge-offs (x) | 2.8684% | 2,229 |
| Efficiency ratio | 79.1786% | 824 |
| Assets per employee ($millions) | 9.0580% | 876 |
| Cash dividends to net income (ytd only)* | 63.4855% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,422 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 24.2100% | 4,539 |
| Net loans and leases to deposits | 26.2667% | 4,558 |
| Net loans and leases to core deposits | 27.7814% | 4,544 |
| Total domestic deposits to total assets | 92.1700% | 828 |
| Equity capital to assets | 7.6157% | 3,145 |
| Core capital (leverage) ratio | 9.5037% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3595% | 303 |
| Memoranda: | ||
| Average total assets | $50,828,250 | 4,466 |
| Average earning assets | $48,429,250 | 4,422 |
| Average equity | $4,547,500 | 4,520 |
| Average total loans | $14,718,000 | 4,520 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6463% | 4,223 |
| Cost of funding earning assets | 0.1060% | 4,127 |
| Net interest margin | 2.5403% | 4,019 |
| Noninterest income to average assets | 0.2014% | 3,989 |
| Noninterest expense to average assets | 2.3321% | 2,453 |
| Loan and lease loss provision to assets | -0.1289% | 4,629 |
| Net operating income to assets | 0.4108% | 4,086 |
| Return on assets (ROA) | 0.4108% | 4,037 |
| Pretax return on assets | 0.4108% | 4,143 |
| Return on Equity (ROE) | 4.3556% | 3,947 |
| Retained earnings to average equity (ytd only) | -0.0854% | 4,181 |
| Net charge-offs to loans | 1.0018% | 63 |
| Credit loss provision to net charge-offs | -42.1053% | 3,028 |
| Earnings coverage of net charge-offs (x) | 0.9211% | 2,085 |
| Efficiency ratio | 89.2142% | 444 |
| Assets per employee ($millions) | 8.4828% | 1,073 |
| Cash dividends to net income (ytd only)* | 101.9608% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.0391% | 4,460 |
| Net loans and leases to deposits | 32.8951% | 4,473 |
| Net loans and leases to core deposits | 34.0892% | 4,476 |
| Total domestic deposits to total assets | 91.3178% | 1,097 |
| Equity capital to assets | 8.4877% | 2,775 |
| Core capital (leverage) ratio | 10.3620% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4599% | 587 |
| Memoranda: | ||
| Average total assets | $49,655,000 | 4,514 |
| Average earning assets | $47,160,333 | 4,490 |
| Average equity | $4,683,667 | 4,552 |
| Average total loans | $15,173,333 | 4,576 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4734% | 4,302 |
| Cost of funding earning assets | 0.0862% | 4,288 |
| Net interest margin | 2.3872% | 4,098 |
| Noninterest income to average assets | 0.1958% | 3,988 |
| Noninterest expense to average assets | 2.3331% | 2,386 |
| Loan and lease loss provision to assets | -0.0571% | 4,527 |
| Net operating income to assets | 0.1795% | 4,359 |
| Return on assets (ROA) | 0.1795% | 4,326 |
| Pretax return on assets | 0.1795% | 4,346 |
| Return on Equity (ROE) | 1.8087% | 4,284 |
| Retained earnings to average equity (ytd only) | -4.6861% | 4,411 |
| Net charge-offs to loans | 2.0237% | 35 |
| Credit loss provision to net charge-offs | -9.2105% | 2,750 |
| Earnings coverage of net charge-offs (x) | 0.1974% | 1,777 |
| Efficiency ratio | 95.0166% | 363 |
| Assets per employee ($millions) | 8.4197% | 1,157 |
| Cash dividends to net income (ytd only)* | 359.0909% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,726 |
| Loan loss allowance to noncurrent loans | 10,600.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,055 |
| Noncurrent loans to loans | 0.0137% | 3,912 |
| Net loans and leases to total assets | 28.5819% | 4,490 |
| Net loans and leases to deposits | 31.5269% | 4,511 |
| Net loans and leases to core deposits | 32.9635% | 4,510 |
| Total domestic deposits to total assets | 90.6588% | 1,209 |
| Equity capital to assets | 9.2066% | 2,522 |
| Core capital (leverage) ratio | 9.9891% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6927% | 451 |
| Memoranda: | ||
| Average total assets | $49,034,000 | 4,545 |
| Average earning assets | $46,413,500 | 4,525 |
| Average equity | $4,865,500 | 4,571 |
| Average total loans | $15,022,000 | 4,595 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 3,603 |
| Cost of funding earning assets | 0.1414% | 4,052 |
| Net interest margin | 3.0013% | 3,190 |
| Noninterest income to average assets | 0.2350% | 3,973 |
| Noninterest expense to average assets | 2.5677% | 1,966 |
| Loan and lease loss provision to assets | 0.0479% | 2,106 |
| Net operating income to assets | 0.4374% | 4,207 |
| Return on assets (ROA) | 0.4374% | 4,252 |
| Pretax return on assets | 0.4374% | 4,350 |
| Return on Equity (ROE) | 3.9047% | 4,236 |
| Retained earnings to average equity (ytd only) | 1.0685% | 4,242 |
| Net charge-offs to loans | 0.0302% | 1,636 |
| Credit loss provision to net charge-offs | 440.0000% | 866 |
| Earnings coverage of net charge-offs (x) | 44.6000% | 1,369 |
| Efficiency ratio | 84.1055% | 566 |
| Assets per employee ($millions) | 6.7929% | 2,074 |
| Cash dividends to net income (ytd only)* | 72.6368% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 703 |
| Loan loss allowance to noncurrent loans | 388.1579% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,823 |
| Noncurrent loans to loans | 0.4937% | 1,895 |
| Net loans and leases to total assets | 31.7518% | 4,456 |
| Net loans and leases to deposits | 35.5825% | 4,489 |
| Net loans and leases to core deposits | 37.5722% | 4,473 |
| Total domestic deposits to total assets | 89.2345% | 1,393 |
| Equity capital to assets | 10.6835% | 2,022 |
| Core capital (leverage) ratio | 11.6692% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6111% | 414 |
| Memoranda: | ||
| Average total assets | $45,955,800 | 4,602 |
| Average earning assets | $43,147,800 | 4,580 |
| Average equity | $5,147,600 | 4,619 |
| Average total loans | $16,555,200 | 4,625 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1715% | 3,656 |
| Cost of funding earning assets | 0.1589% | 4,024 |
| Net interest margin | 3.0126% | 3,270 |
| Noninterest income to average assets | 0.2429% | 3,941 |
| Noninterest expense to average assets | 2.5462% | 1,983 |
| Loan and lease loss provision to assets | 0.0110% | 2,771 |
| Net operating income to assets | 0.5151% | 4,173 |
| Return on assets (ROA) | 0.5151% | 4,218 |
| Pretax return on assets | 0.5151% | 4,351 |
| Return on Equity (ROE) | 4.5437% | 4,219 |
| Retained earnings to average equity (ytd only) | 0.7745% | 4,458 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 590 |
| Assets per employee ($millions) | 5.9456% | 2,747 |
| Cash dividends to net income (ytd only)* | 82.9545% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,654 |
| Loan loss allowance to noncurrent loans | 345.1220% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 2,809 |
| Noncurrent loans to loans | 0.4331% | 2,258 |
| Net loans and leases to total assets | 44.8137% | 3,881 |
| Net loans and leases to deposits | 51.3420% | 3,933 |
| Net loans and leases to core deposits | 54.7528% | 3,864 |
| Total domestic deposits to total assets | 87.2847% | 2,223 |
| Equity capital to assets | 12.4534% | 1,193 |
| Core capital (leverage) ratio | 11.8495% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1795% | 785 |
| Memoranda: | ||
| Average total assets | $45,557,250 | 4,674 |
| Average earning assets | $42,796,500 | 4,645 |
| Average equity | $5,164,500 | 4,681 |
| Average total loans | $16,845,750 | 4,686 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0672% | 3,929 |
| Cost of funding earning assets | 0.1641% | 4,094 |
| Net interest margin | 2.9032% | 3,568 |
| Noninterest income to average assets | 0.2432% | 3,942 |
| Noninterest expense to average assets | 2.5773% | 1,919 |
| Loan and lease loss provision to assets | -0.1237% | 4,669 |
| Net operating income to assets | 0.5078% | 4,203 |
| Return on assets (ROA) | 0.5078% | 4,247 |
| Pretax return on assets | 0.5078% | 4,382 |
| Return on Equity (ROE) | 4.6139% | 4,211 |
| Retained earnings to average equity (ytd only) | -0.0388% | 4,517 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0317% | 433 |
| Assets per employee ($millions) | 6.2879% | 2,347 |
| Cash dividends to net income (ytd only)* | 100.8403% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 1,895 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,015 |
| Noncurrent loans to loans | 0.4727% | 2,255 |
| Net loans and leases to total assets | 39.3230% | 4,316 |
| Net loans and leases to deposits | 44.6716% | 4,362 |
| Net loans and leases to core deposits | 47.1133% | 4,362 |
| Total domestic deposits to total assets | 88.0268% | 1,806 |
| Equity capital to assets | 11.6960% | 1,522 |
| Core capital (leverage) ratio | 10.5067% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6851% | 501 |
| Memoranda: | ||
| Average total assets | $46,870,000 | 4,687 |
| Average earning assets | $43,883,333 | 4,665 |
| Average equity | $5,158,333 | 4,708 |
| Average total loans | $16,149,667 | 4,736 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6258% | 4,550 |
| Cost of funding earning assets | 0.1863% | 4,033 |
| Net interest margin | 2.4395% | 4,375 |
| Noninterest income to average assets | 0.2319% | 3,994 |
| Noninterest expense to average assets | 2.3935% | 2,512 |
| Loan and lease loss provision to assets | -0.1159% | 4,737 |
| Net operating income to assets | 0.2319% | 4,610 |
| Return on assets (ROA) | 0.2319% | 4,633 |
| Pretax return on assets | 0.2319% | 4,657 |
| Return on Equity (ROE) | 2.1691% | 4,587 |
| Retained earnings to average equity (ytd only) | -4.5705% | 4,677 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3795% | 258 |
| Assets per employee ($millions) | 6.9914% | 1,810 |
| Cash dividends to net income (ytd only)* | 310.7143% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 1,027 |
| Loan loss allowance to noncurrent loans | 348.6842% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 2,929 |
| Noncurrent loans to loans | 0.4901% | 2,384 |
| Net loans and leases to total assets | 31.1422% | 4,663 |
| Net loans and leases to deposits | 34.8501% | 4,710 |
| Net loans and leases to core deposits | 36.5255% | 4,708 |
| Total domestic deposits to total assets | 89.3604% | 1,145 |
| Equity capital to assets | 10.4352% | 2,329 |
| Core capital (leverage) ratio | 10.3254% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8536% | 691 |
| Memoranda: | ||
| Average total assets | $48,297,500 | 4,688 |
| Average earning assets | $45,090,500 | 4,669 |
| Average equity | $5,163,500 | 4,734 |
| Average total loans | $15,446,000 | 4,777 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 3,170 |
| Cost of funding earning assets | 0.3432% | 3,907 |
| Net interest margin | 3.5054% | 2,458 |
| Noninterest income to average assets | 0.2606% | 3,919 |
| Noninterest expense to average assets | 2.8864% | 1,720 |
| Loan and lease loss provision to assets | 0.0738% | 3,459 |
| Net operating income to assets | 0.5901% | 3,788 |
| Return on assets (ROA) | 0.5901% | 3,891 |
| Pretax return on assets | 0.5901% | 4,097 |
| Return on Equity (ROE) | 4.6495% | 3,992 |
| Retained earnings to average equity (ytd only) | -0.4262% | 4,582 |
| Net charge-offs to loans | 0.0312% | 2,411 |
| Credit loss provision to net charge-offs | 600.0000% | 1,102 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,132 |
| Efficiency ratio | 81.3019% | 790 |
| Assets per employee ($millions) | 6.8079% | 1,703 |
| Cash dividends to net income (ytd only)* | 109.1667% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 835 |
| Loan loss allowance to noncurrent loans | 367.1053% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 3,048 |
| Noncurrent loans to loans | 0.4940% | 2,491 |
| Net loans and leases to total assets | 31.7008% | 4,713 |
| Net loans and leases to deposits | 35.6608% | 4,753 |
| Net loans and leases to core deposits | 37.4251% | 4,754 |
| Total domestic deposits to total assets | 88.8952% | 1,030 |
| Equity capital to assets | 10.9537% | 2,292 |
| Core capital (leverage) ratio | 12.1644% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1974% | 381 |
| Memoranda: | ||
| Average total assets | $40,673,800 | 4,764 |
| Average earning assets | $38,169,800 | 4,738 |
| Average equity | $5,161,800 | 4,728 |
| Average total loans | $16,048,400 | 4,786 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 2,690 |
| Cost of funding earning assets | 0.3906% | 3,855 |
| Net interest margin | 3.7038% | 1,930 |
| Noninterest income to average assets | 0.2569% | 3,945 |
| Noninterest expense to average assets | 2.9695% | 1,507 |
| Loan and lease loss provision to assets | 0.0642% | 3,535 |
| Net operating income to assets | 0.7295% | 3,355 |
| Return on assets (ROA) | 0.7295% | 3,453 |
| Pretax return on assets | 0.7295% | 3,829 |
| Return on Equity (ROE) | 5.5174% | 3,718 |
| Retained earnings to average equity (ytd only) | -1.2693% | 4,640 |
| Net charge-offs to loans | 0.0411% | 2,039 |
| Credit loss provision to net charge-offs | 380.0000% | 1,519 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 1,251 |
| Efficiency ratio | 78.8899% | 954 |
| Assets per employee ($millions) | 5.1706% | 3,048 |
| Cash dividends to net income (ytd only)* | 123.0047% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,596 |
| Loan loss allowance to noncurrent loans | 352.6316% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 2,836 |
| Noncurrent loans to loans | 0.4064% | 2,837 |
| Net loans and leases to total assets | 50.9339% | 4,037 |
| Net loans and leases to deposits | 59.7278% | 4,074 |
| Net loans and leases to core deposits | 63.9172% | 4,012 |
| Total domestic deposits to total assets | 85.2766% | 2,326 |
| Equity capital to assets | 14.4112% | 757 |
| Core capital (leverage) ratio | 13.8541% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0224% | 512 |
| Memoranda: | ||
| Average total assets | $38,928,500 | 4,810 |
| Average earning assets | $36,861,750 | 4,781 |
| Average equity | $5,147,250 | 4,757 |
| Average total loans | $16,214,000 | 4,814 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,272 |
| Cost of funding earning assets | 0.4232% | 3,933 |
| Net interest margin | 3.5972% | 2,493 |
| Noninterest income to average assets | 0.2510% | 3,970 |
| Noninterest expense to average assets | 3.0271% | 1,514 |
| Loan and lease loss provision to assets | -0.0753% | 5,025 |
| Net operating income to assets | 0.7129% | 3,349 |
| Return on assets (ROA) | 0.7129% | 3,462 |
| Pretax return on assets | 0.7129% | 3,843 |
| Return on Equity (ROE) | 5.5422% | 3,660 |
| Retained earnings to average equity (ytd only) | -3.2785% | 4,677 |
| Net charge-offs to loans | 0.0910% | 1,344 |
| Credit loss provision to net charge-offs | -214.2857% | 3,484 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,779 |
| Efficiency ratio | 82.6027% | 721 |
| Assets per employee ($millions) | 5.1436% | 3,002 |
| Cash dividends to net income (ytd only)* | 159.1549% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,880 |
| Loan loss allowance to noncurrent loans | 256.6667% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 2,828 |
| Noncurrent loans to loans | 0.5171% | 2,609 |
| Net loans and leases to total assets | 47.6989% | 4,275 |
| Net loans and leases to deposits | 56.0016% | 4,291 |
| Net loans and leases to core deposits | 58.7547% | 4,318 |
| Total domestic deposits to total assets | 85.1743% | 2,324 |
| Equity capital to assets | 14.4036% | 755 |
| Core capital (leverage) ratio | 13.1915% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9559% | 406 |
| Memoranda: | ||
| Average total assets | $39,840,000 | 4,825 |
| Average earning assets | $37,806,667 | 4,791 |
| Average equity | $5,124,333 | 4,787 |
| Average total loans | $15,384,333 | 4,858 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,376 |
| Cost of funding earning assets | 0.4636% | 4,098 |
| Net interest margin | 3.2454% | 3,739 |
| Noninterest income to average assets | 0.2491% | 4,057 |
| Noninterest expense to average assets | 2.9025% | 2,116 |
| Loan and lease loss provision to assets | -0.2012% | 5,083 |
| Net operating income to assets | 0.6322% | 3,507 |
| Return on assets (ROA) | 0.6322% | 3,567 |
| Pretax return on assets | 0.6322% | 3,858 |
| Return on Equity (ROE) | 5.1831% | 3,575 |
| Retained earnings to average equity (ytd only) | -9.0311% | 4,727 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0690% | 629 |
| Assets per employee ($millions) | 5.5321% | 2,083 |
| Cash dividends to net income (ytd only)* | 274.2424% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,110 |
| Loan loss allowance to noncurrent loans | 257.7778% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,080 |
| Noncurrent loans to loans | 0.6145% | 2,449 |
| Net loans and leases to total assets | 37.2214% | 4,748 |
| Net loans and leases to deposits | 43.0513% | 4,783 |
| Net loans and leases to core deposits | 46.3980% | 4,764 |
| Total domestic deposits to total assets | 86.4584% | 1,803 |
| Equity capital to assets | 13.2059% | 1,337 |
| Core capital (leverage) ratio | 11.5055% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4077% | 296 |
| Memoranda: | ||
| Average total assets | $41,757,500 | 4,816 |
| Average earning assets | $39,687,000 | 4,792 |
| Average equity | $5,093,500 | 4,826 |
| Average total loans | $14,374,000 | 4,917 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 4,047 |
| Cost of funding earning assets | 0.4630% | 4,233 |
| Net interest margin | 3.6336% | 3,022 |
| Noninterest income to average assets | 0.2752% | 4,034 |
| Noninterest expense to average assets | 2.6360% | 3,072 |
| Loan and lease loss provision to assets | 0.1457% | 1,471 |
| Net operating income to assets | 0.9411% | 3,054 |
| Return on assets (ROA) | 0.9411% | 3,137 |
| Pretax return on assets | 0.9411% | 3,630 |
| Return on Equity (ROE) | 8.3017% | 3,040 |
| Retained earnings to average equity (ytd only) | 2.8760% | 3,601 |
| Net charge-offs to loans | 0.6139% | 300 |
| Credit loss provision to net charge-offs | 63.0000% | 3,004 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 3,183 |
| Efficiency ratio | 70.8075% | 2,046 |
| Assets per employee ($millions) | 6.3986% | 1,358 |
| Cash dividends to net income (ytd only)* | 65.3563% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 658 |
| Loan loss allowance to noncurrent loans | 276.0870% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 3,240 |
| Noncurrent loans to loans | 0.6524% | 2,262 |
| Net loans and leases to total assets | 30.9176% | 4,956 |
| Net loans and leases to deposits | 34.9318% | 4,989 |
| Net loans and leases to core deposits | 36.8621% | 4,984 |
| Total domestic deposits to total assets | 88.5086% | 882 |
| Equity capital to assets | 11.3262% | 2,679 |
| Core capital (leverage) ratio | 12.3727% | 1,555 |
| Tier 1 risk-based capital ratio | 29.5379% | 492 |
| Total risk-based capital ratio | 30.7881% | 481 |
| Memoranda: | ||
| Average total assets | $43,247,400 | 4,853 |
| Average earning assets | $41,033,600 | 4,829 |
| Average equity | $4,902,600 | 4,893 |
| Average total loans | $16,290,000 | 4,939 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 4,074 |
| Cost of funding earning assets | 0.4573% | 4,308 |
| Net interest margin | 3.6784% | 2,999 |
| Noninterest income to average assets | 0.2893% | 4,003 |
| Noninterest expense to average assets | 2.6472% | 3,019 |
| Loan and lease loss provision to assets | 0.0933% | 2,045 |
| Net operating income to assets | 1.0514% | 2,782 |
| Return on assets (ROA) | 1.0514% | 2,870 |
| Pretax return on assets | 1.0514% | 3,443 |
| Return on Equity (ROE) | 9.2728% | 2,771 |
| Retained earnings to average equity (ytd only) | 1.9753% | 4,279 |
| Net charge-offs to loans | 0.7919% | 202 |
| Credit loss provision to net charge-offs | 30.0000% | 2,915 |
| Earnings coverage of net charge-offs (x) | 3.6800% | 3,080 |
| Efficiency ratio | 69.8113% | 2,142 |
| Assets per employee ($millions) | 5.5290% | 2,003 |
| Cash dividends to net income (ytd only)* | 78.6979% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,410 |
| Loan loss allowance to noncurrent loans | 237.6344% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 3,109 |
| Noncurrent loans to loans | 0.5133% | 2,754 |
| Net loans and leases to total assets | 46.2445% | 4,587 |
| Net loans and leases to deposits | 53.3250% | 4,654 |
| Net loans and leases to core deposits | 58.7070% | 4,576 |
| Total domestic deposits to total assets | 86.7220% | 1,669 |
| Equity capital to assets | 12.9706% | 1,647 |
| Core capital (leverage) ratio | 12.0369% | 1,825 |
| Tier 1 risk-based capital ratio | 24.0042% | 839 |
| Total risk-based capital ratio | 25.1409% | 839 |
| Memoranda: | ||
| Average total assets | $42,861,750 | 4,925 |
| Average earning assets | $40,814,250 | 4,903 |
| Average equity | $4,860,000 | 4,965 |
| Average total loans | $16,837,000 | 5,005 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 4,648 |
| Cost of funding earning assets | 0.4320% | 4,390 |
| Net interest margin | 3.4129% | 3,854 |
| Noninterest income to average assets | 0.2712% | 4,124 |
| Noninterest expense to average assets | 2.6442% | 3,078 |
| Loan and lease loss provision to assets | -0.0090% | 5,121 |
| Net operating income to assets | 0.8859% | 3,337 |
| Return on assets (ROA) | 0.8859% | 3,401 |
| Pretax return on assets | 0.8859% | 3,885 |
| Return on Equity (ROE) | 8.1553% | 3,224 |
| Retained earnings to average equity (ytd only) | -1.6227% | 4,886 |
| Net charge-offs to loans | 1.2188% | 105 |
| Credit loss provision to net charge-offs | -2.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 1.9400% | 2,980 |
| Efficiency ratio | 75.0963% | 1,502 |
| Assets per employee ($millions) | 6.0053% | 1,541 |
| Cash dividends to net income (ytd only)* | 119.8980% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,819 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 3,240 |
| Noncurrent loans to loans | 0.5722% | 2,541 |
| Net loans and leases to total assets | 38.6303% | 4,889 |
| Net loans and leases to deposits | 43.8631% | 4,953 |
| Net loans and leases to core deposits | 46.4702% | 4,943 |
| Total domestic deposits to total assets | 88.0700% | 1,074 |
| Equity capital to assets | 11.6612% | 2,479 |
| Core capital (leverage) ratio | 11.1106% | 2,496 |
| Tier 1 risk-based capital ratio | 27.2164% | 604 |
| Total risk-based capital ratio | 28.4223% | 596 |
| Memoranda: | ||
| Average total assets | $44,248,000 | 4,950 |
| Average earning assets | $42,134,000 | 4,919 |
| Average equity | $4,806,670 | 5,008 |
| Average total loans | $16,409,670 | 5,056 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,683 |
| Cost of funding earning assets | 0.4189% | 4,406 |
| Net interest margin | 3.3980% | 3,890 |
| Noninterest income to average assets | 0.2381% | 4,303 |
| Noninterest expense to average assets | 2.8840% | 2,318 |
| Loan and lease loss provision to assets | -0.3263% | 5,325 |
| Net operating income to assets | 0.8996% | 3,237 |
| Return on assets (ROA) | 0.8996% | 3,290 |
| Pretax return on assets | 0.8996% | 3,770 |
| Return on Equity (ROE) | 8.5732% | 3,002 |
| Retained earnings to average equity (ytd only) | -5.6314% | 4,956 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4184% | 756 |
| Assets per employee ($millions) | 6.6700% | 1,160 |
| Cash dividends to net income (ytd only)* | 165.6863% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 892 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 3,491 |
| Noncurrent loans to loans | 0.5853% | 2,580 |
| Net loans and leases to total assets | 31.6577% | 5,122 |
| Net loans and leases to deposits | 35.3655% | 5,158 |
| Net loans and leases to core deposits | 37.2130% | 5,159 |
| Total domestic deposits to total assets | 89.5160% | 637 |
| Equity capital to assets | 10.1671% | 3,662 |
| Core capital (leverage) ratio | 10.6848% | 2,863 |
| Tier 1 risk-based capital ratio | 28.4908% | 533 |
| Total risk-based capital ratio | 29.7431% | 529 |
| Memoranda: | ||
| Average total assets | $45,353,500 | 4,989 |
| Average earning assets | $42,966,500 | 4,959 |
| Average equity | $4,759,000 | 5,055 |
| Average total loans | $16,401,000 | 5,118 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 3,312 |
| Cost of funding earning assets | 0.3685% | 4,172 |
| Net interest margin | 3.8722% | 2,421 |
| Noninterest income to average assets | 0.3082% | 4,055 |
| Noninterest expense to average assets | 2.7571% | 2,836 |
| Loan and lease loss provision to assets | 0.1321% | 1,657 |
| Net operating income to assets | 1.0177% | 2,938 |
| Return on assets (ROA) | 1.0177% | 2,921 |
| Pretax return on assets | 1.0177% | 3,546 |
| Return on Equity (ROE) | 8.9767% | 3,009 |
| Retained earnings to average equity (ytd only) | 2.4384% | 4,170 |
| Net charge-offs to loans | 0.7098% | 226 |
| Credit loss provision to net charge-offs | 40.9091% | 3,276 |
| Earnings coverage of net charge-offs (x) | 3.5606% | 3,396 |
| Efficiency ratio | 70.5698% | 2,099 |
| Assets per employee ($millions) | 6.2887% | 1,328 |
| Cash dividends to net income (ytd only)* | 72.8365% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 39.7038% | 4,958 |
| Net loans and leases to deposits | 44.6254% | 5,015 |
| Net loans and leases to core deposits | 47.1169% | 5,003 |
| Total domestic deposits to total assets | 88.9712% | 873 |
| Equity capital to assets | 10.8471% | 2,849 |
| Core capital (leverage) ratio | 12.5213% | 1,445 |
| Tier 1 risk-based capital ratio | 25.4991% | 709 |
| Total risk-based capital ratio | 26.7489% | 692 |
| Memoranda: | ||
| Average total assets | $40,877,000 | 5,083 |
| Average earning assets | $37,988,600 | 5,073 |
| Average equity | $4,634,200 | 5,097 |
| Average total loans | $18,598,000 | 5,106 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 3,103 |
| Cost of funding earning assets | 0.3729% | 4,030 |
| Net interest margin | 3.8905% | 2,339 |
| Noninterest income to average assets | 0.3159% | 4,038 |
| Noninterest expense to average assets | 2.7603% | 2,776 |
| Loan and lease loss provision to assets | 0.0831% | 2,295 |
| Net operating income to assets | 1.0808% | 2,748 |
| Return on assets (ROA) | 1.0808% | 2,757 |
| Pretax return on assets | 1.0808% | 3,467 |
| Return on Equity (ROE) | 9.4220% | 2,889 |
| Retained earnings to average equity (ytd only) | 0.6377% | 4,924 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3390% | 2,144 |
| Assets per employee ($millions) | 6.3307% | 1,272 |
| Cash dividends to net income (ytd only)* | 93.2313% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 620 |
| Loan loss allowance to noncurrent loans | 687.7193% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,195 |
| Noncurrent loans to loans | 0.2736% | 3,703 |
| Net loans and leases to total assets | 53.8095% | 4,372 |
| Net loans and leases to deposits | 63.3610% | 4,368 |
| Net loans and leases to core deposits | 65.5643% | 4,425 |
| Total domestic deposits to total assets | 84.9252% | 2,633 |
| Equity capital to assets | 12.1551% | 1,799 |
| Core capital (leverage) ratio | 13.0787% | 1,247 |
| Tier 1 risk-based capital ratio | 18.6828% | 1,619 |
| Total risk-based capital ratio | 19.9351% | 1,579 |
| Memoranda: | ||
| Average total assets | $40,091,000 | 5,162 |
| Average earning assets | $37,183,750 | 5,150 |
| Average equity | $4,599,000 | 5,165 |
| Average total loans | $18,805,500 | 5,161 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,641 |
| Cost of funding earning assets | 0.3333% | 4,178 |
| Net interest margin | 3.7091% | 2,889 |
| Noninterest income to average assets | 0.3089% | 4,103 |
| Noninterest expense to average assets | 2.7259% | 2,920 |
| Loan and lease loss provision to assets | 0.0392% | 3,120 |
| Net operating income to assets | 0.9806% | 3,104 |
| Return on assets (ROA) | 0.9806% | 3,111 |
| Pretax return on assets | 0.9806% | 3,722 |
| Return on Equity (ROE) | 8.7089% | 3,166 |
| Retained earnings to average equity (ytd only) | -3.1788% | 5,220 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7749% | 1,874 |
| Assets per employee ($millions) | 5.6307% | 1,774 |
| Cash dividends to net income (ytd only)* | 136.5000% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 46.7639% | 4,779 |
| Net loans and leases to deposits | 56.2569% | 4,737 |
| Net loans and leases to core deposits | 58.1818% | 4,788 |
| Total domestic deposits to total assets | 83.1257% | 3,378 |
| Equity capital to assets | 11.5235% | 2,182 |
| Core capital (leverage) ratio | 12.3193% | 1,527 |
| Tier 1 risk-based capital ratio | 17.6784% | 1,895 |
| Total risk-based capital ratio | 18.9284% | 1,851 |
| Memoranda: | ||
| Average total assets | $40,793,330 | 5,208 |
| Average earning assets | $37,798,670 | 5,199 |
| Average equity | $4,593,000 | 5,223 |
| Average total loans | $18,130,330 | 5,235 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,817 |
| Cost of funding earning assets | 0.3143% | 4,233 |
| Net interest margin | 3.6246% | 3,092 |
| Noninterest income to average assets | 0.3182% | 4,025 |
| Noninterest expense to average assets | 2.6806% | 3,095 |
| Loan and lease loss provision to assets | 0.0193% | 3,283 |
| Net operating income to assets | 0.9546% | 3,053 |
| Return on assets (ROA) | 0.9546% | 3,070 |
| Pretax return on assets | 0.9546% | 3,688 |
| Return on Equity (ROE) | 8.5742% | 3,119 |
| Retained earnings to average equity (ytd only) | -8.9206% | 5,335 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3509% | 1,990 |
| Assets per employee ($millions) | 6.7595% | 1,062 |
| Cash dividends to net income (ytd only)* | 204.0404% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2158% | 378 |
| Loan loss allowance to noncurrent loans | 2,312.5000% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,915 |
| Noncurrent loans to loans | 0.0958% | 4,543 |
| Net loans and leases to total assets | 40.2594% | 5,061 |
| Net loans and leases to deposits | 45.4250% | 5,117 |
| Net loans and leases to core deposits | 46.8361% | 5,130 |
| Total domestic deposits to total assets | 88.6284% | 1,296 |
| Equity capital to assets | 11.1547% | 2,427 |
| Core capital (leverage) ratio | 11.4725% | 2,034 |
| Tier 1 risk-based capital ratio | 22.3833% | 1,010 |
| Total risk-based capital ratio | 23.6382% | 986 |
| Memoranda: | ||
| Average total assets | $41,482,500 | 5,260 |
| Average earning assets | $38,183,500 | 5,254 |
| Average equity | $4,618,500 | 5,274 |
| Average total loans | $17,791,500 | 5,303 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,037 |
| Cost of funding earning assets | 0.2872% | 4,255 |
| Net interest margin | 3.8183% | 2,361 |
| Noninterest income to average assets | 0.3002% | 4,307 |
| Noninterest expense to average assets | 2.6055% | 3,429 |
| Loan and lease loss provision to assets | 0.1476% | 1,544 |
| Net operating income to assets | 1.1121% | 1,821 |
| Return on assets (ROA) | 1.1121% | 1,844 |
| Pretax return on assets | 1.1121% | 3,136 |
| Return on Equity (ROE) | 9.7527% | 2,000 |
| Retained earnings to average equity (ytd only) | 2.5892% | 3,771 |
| Net charge-offs to loans | 0.0472% | 2,838 |
| Credit loss provision to net charge-offs | 666.6667% | 487 |
| Earnings coverage of net charge-offs (x) | 56.8889% | 990 |
| Efficiency ratio | 67.4093% | 3,018 |
| Assets per employee ($millions) | 7.0680% | 941 |
| Cash dividends to net income (ytd only)* | 73.4513% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 593 |
| Loan loss allowance to noncurrent loans | 4,600.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 5,065 |
| Noncurrent loans to loans | 0.0424% | 4,808 |
| Net loans and leases to total assets | 43.6639% | 4,992 |
| Net loans and leases to deposits | 49.1950% | 5,089 |
| Net loans and leases to core deposits | 50.6482% | 5,113 |
| Total domestic deposits to total assets | 88.7568% | 1,113 |
| Equity capital to assets | 11.1135% | 2,527 |
| Core capital (leverage) ratio | 11.8658% | 1,681 |
| Tier 1 risk-based capital ratio | 20.7424% | 1,187 |
| Total risk-based capital ratio | 21.9971% | 1,160 |
| Memoranda: | ||
| Average total assets | $40,644,600 | 5,319 |
| Average earning assets | $37,949,000 | 5,305 |
| Average equity | $4,634,600 | 5,328 |
| Average total loans | $19,049,400 | 5,336 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,500 |
| Cost of funding earning assets | 0.2390% | 4,663 |
| Net interest margin | 3.7180% | 2,691 |
| Noninterest income to average assets | 0.3084% | 4,320 |
| Noninterest expense to average assets | 2.5669% | 3,511 |
| Loan and lease loss provision to assets | 0.0497% | 3,100 |
| Net operating income to assets | 1.2005% | 1,689 |
| Return on assets (ROA) | 1.2005% | 1,724 |
| Pretax return on assets | 1.2005% | 2,909 |
| Return on Equity (ROE) | 10.4583% | 1,922 |
| Retained earnings to average equity (ytd only) | 0.8667% | 5,016 |
| Net charge-offs to loans | 0.0629% | 2,216 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 41.8875% | 1,255 |
| Efficiency ratio | 67.2459% | 3,009 |
| Assets per employee ($millions) | 6.4208% | 1,232 |
| Cash dividends to net income (ytd only)* | 91.7145% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,623 |
| Loan loss allowance to noncurrent loans | 751.1628% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 4,686 |
| Noncurrent loans to loans | 0.1964% | 4,296 |
| Net loans and leases to total assets | 56.0052% | 4,233 |
| Net loans and leases to deposits | 72.6611% | 3,707 |
| Net loans and leases to core deposits | 76.5134% | 3,764 |
| Total domestic deposits to total assets | 77.0772% | 4,873 |
| Equity capital to assets | 12.2751% | 1,791 |
| Core capital (leverage) ratio | 12.0441% | 1,656 |
| Tier 1 risk-based capital ratio | 17.5226% | 2,005 |
| Total risk-based capital ratio | 18.7695% | 1,949 |
| Memoranda: | ||
| Average total assets | $40,203,750 | 5,383 |
| Average earning assets | $37,940,750 | 5,363 |
| Average equity | $4,615,000 | 5,388 |
| Average total loans | $19,090,500 | 5,393 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 4,335 |
| Cost of funding earning assets | 0.2035% | 4,940 |
| Net interest margin | 3.4590% | 3,550 |
| Noninterest income to average assets | 0.3140% | 4,289 |
| Noninterest expense to average assets | 2.5464% | 3,596 |
| Loan and lease loss provision to assets | -0.0393% | 5,595 |
| Net operating income to assets | 1.0598% | 2,167 |
| Return on assets (ROA) | 1.0598% | 2,205 |
| Pretax return on assets | 1.0598% | 3,343 |
| Return on Equity (ROE) | 9.4385% | 2,301 |
| Retained earnings to average equity (ytd only) | -2.6655% | 5,396 |
| Net charge-offs to loans | 0.0881% | 1,727 |
| Credit loss provision to net charge-offs | -100.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,586 |
| Efficiency ratio | 71.3893% | 2,455 |
| Assets per employee ($millions) | 6.8018% | 1,014 |
| Cash dividends to net income (ytd only)* | 128.2407% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,287 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,032 |
| Noncurrent loans to loans | 0.1059% | 4,704 |
| Net loans and leases to total assets | 45.5416% | 4,969 |
| Net loans and leases to deposits | 56.1460% | 4,849 |
| Net loans and leases to core deposits | 58.8034% | 4,884 |
| Total domestic deposits to total assets | 81.1129% | 4,153 |
| Equity capital to assets | 11.3376% | 2,461 |
| Core capital (leverage) ratio | 11.6905% | 1,833 |
| Tier 1 risk-based capital ratio | 18.2412% | 1,789 |
| Total risk-based capital ratio | 19.4896% | 1,752 |
| Memoranda: | ||
| Average total assets | $40,763,330 | 5,426 |
| Average earning assets | $38,334,670 | 5,401 |
| Average equity | $4,577,000 | 5,433 |
| Average total loans | $18,154,330 | 5,458 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 4,646 |
| Cost of funding earning assets | 0.1995% | 4,978 |
| Net interest margin | 3.3180% | 3,946 |
| Noninterest income to average assets | 0.3240% | 4,227 |
| Noninterest expense to average assets | 2.7590% | 2,926 |
| Loan and lease loss provision to assets | -0.2356% | 5,799 |
| Net operating income to assets | 0.9033% | 2,745 |
| Return on assets (ROA) | 0.9033% | 2,802 |
| Pretax return on assets | 0.9033% | 3,757 |
| Return on Equity (ROE) | 8.0844% | 2,884 |
| Retained earnings to average equity (ytd only) | -9.7540% | 5,572 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5158% | 1,319 |
| Assets per employee ($millions) | 6.8973% | 997 |
| Cash dividends to net income (ytd only)* | 220.6522% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 1,086 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,265 |
| Noncurrent loans to loans | 0.0474% | 5,000 |
| Net loans and leases to total assets | 40.0372% | 5,249 |
| Net loans and leases to deposits | 45.0600% | 5,329 |
| Net loans and leases to core deposits | 46.4430% | 5,353 |
| Total domestic deposits to total assets | 88.8532% | 1,223 |
| Equity capital to assets | 10.9028% | 2,743 |
| Core capital (leverage) ratio | 11.3083% | 2,098 |
| Tier 1 risk-based capital ratio | 18.7357% | 1,683 |
| Total risk-based capital ratio | 19.9828% | 1,638 |
| Memoranda: | ||
| Average total assets | $40,739,500 | 5,488 |
| Average earning assets | $38,095,500 | 5,462 |
| Average equity | $4,552,000 | 5,491 |
| Average total loans | $17,788,500 | 5,528 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 2,654 |
| Cost of funding earning assets | 0.2203% | 4,830 |
| Net interest margin | 3.9313% | 1,851 |
| Noninterest income to average assets | 0.2959% | 4,624 |
| Noninterest expense to average assets | 2.5851% | 3,725 |
| Loan and lease loss provision to assets | 0.1957% | 1,190 |
| Net operating income to assets | 1.1813% | 1,562 |
| Return on assets (ROA) | 1.1813% | 1,663 |
| Pretax return on assets | 1.1813% | 2,756 |
| Return on Equity (ROE) | 10.5270% | 1,760 |
| Retained earnings to average equity (ytd only) | 2.8769% | 3,849 |
| Net charge-offs to loans | 0.5217% | 462 |
| Credit loss provision to net charge-offs | 76.9231% | 3,023 |
| Earnings coverage of net charge-offs (x) | 5.4135% | 3,346 |
| Efficiency ratio | 65.2469% | 3,720 |
| Assets per employee ($millions) | 6.6825% | 1,060 |
| Cash dividends to net income (ytd only)* | 72.6708% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 1,152 |
| Loan loss allowance to noncurrent loans | 1,268.0000% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,084 |
| Noncurrent loans to loans | 0.1336% | 4,701 |
| Net loans and leases to total assets | 45.8885% | 5,022 |
| Net loans and leases to deposits | 51.8983% | 5,131 |
| Net loans and leases to core deposits | 54.1800% | 5,141 |
| Total domestic deposits to total assets | 88.4200% | 1,427 |
| Equity capital to assets | 11.4528% | 2,210 |
| Core capital (leverage) ratio | 11.4848% | 1,939 |
| Tier 1 risk-based capital ratio | 19.0934% | 1,572 |
| Total risk-based capital ratio | 20.3426% | 1,536 |
| Memoranda: | ||
| Average total assets | $40,887,400 | 5,525 |
| Average earning assets | $38,129,400 | 5,506 |
| Average equity | $4,588,200 | 5,540 |
| Average total loans | $19,935,000 | 5,521 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 2,910 |
| Cost of funding earning assets | 0.2047% | 5,020 |
| Net interest margin | 3.8857% | 2,025 |
| Noninterest income to average assets | 0.3050% | 4,585 |
| Noninterest expense to average assets | 2.5377% | 3,873 |
| Loan and lease loss provision to assets | 0.1720% | 1,315 |
| Net operating income to assets | 1.2299% | 1,519 |
| Return on assets (ROA) | 1.2299% | 1,621 |
| Pretax return on assets | 1.2299% | 2,704 |
| Return on Equity (ROE) | 11.0158% | 1,662 |
| Retained earnings to average equity (ytd only) | 0.8138% | 5,141 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4152% | 3,866 |
| Assets per employee ($millions) | 6.7932% | 964 |
| Cash dividends to net income (ytd only)* | 92.6126% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 1,264 |
| Loan loss allowance to noncurrent loans | 63.7540% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 1,178 |
| Noncurrent loans to loans | 2.6362% | 638 |
| Net loans and leases to total assets | 56.5495% | 4,248 |
| Net loans and leases to deposits | 80.1676% | 2,942 |
| Net loans and leases to core deposits | 84.6083% | 3,068 |
| Total domestic deposits to total assets | 70.5390% | 5,665 |
| Equity capital to assets | 11.5533% | 2,467 |
| Core capital (leverage) ratio | 11.3182% | 2,175 |
| Tier 1 risk-based capital ratio | 17.2220% | 2,159 |
| Total risk-based capital ratio | 18.4752% | 2,116 |
| Memoranda: | ||
| Average total assets | $41,085,500 | 5,575 |
| Average earning assets | $38,431,000 | 5,554 |
| Average equity | $4,587,250 | 5,598 |
| Average total loans | $20,239,750 | 5,568 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 3,799 |
| Cost of funding earning assets | 0.1773% | 5,351 |
| Net interest margin | 3.6654% | 2,836 |
| Noninterest income to average assets | 0.2913% | 4,704 |
| Noninterest expense to average assets | 2.5926% | 3,745 |
| Loan and lease loss provision to assets | 0.0534% | 3,080 |
| Net operating income to assets | 1.0584% | 2,137 |
| Return on assets (ROA) | 1.0584% | 2,261 |
| Pretax return on assets | 1.0584% | 3,370 |
| Return on Equity (ROE) | 9.5894% | 2,237 |
| Retained earnings to average equity (ytd only) | -2.8592% | 5,617 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9869% | 2,989 |
| Assets per employee ($millions) | 6.7903% | 960 |
| Cash dividends to net income (ytd only)* | 129.8165% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 1,390 |
| Loan loss allowance to noncurrent loans | 51.2373% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 1,068 |
| Noncurrent loans to loans | 3.2288% | 439 |
| Net loans and leases to total assets | 51.3598% | 4,733 |
| Net loans and leases to deposits | 63.2921% | 4,540 |
| Net loans and leases to core deposits | 65.4889% | 4,648 |
| Total domestic deposits to total assets | 81.1472% | 4,230 |
| Equity capital to assets | 11.2906% | 2,746 |
| Core capital (leverage) ratio | 11.4121% | 2,054 |
| Tier 1 risk-based capital ratio | 17.0059% | 2,217 |
| Total risk-based capital ratio | 18.2544% | 2,177 |
| Memoranda: | ||
| Average total assets | $41,194,330 | 5,634 |
| Average earning assets | $38,358,330 | 5,622 |
| Average equity | $4,546,670 | 5,665 |
| Average total loans | $19,172,000 | 5,663 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,181 |
| Cost of funding earning assets | 0.1843% | 5,334 |
| Net interest margin | 3.5530% | 3,261 |
| Noninterest income to average assets | 0.2801% | 4,706 |
| Noninterest expense to average assets | 2.8199% | 2,996 |
| Loan and lease loss provision to assets | -0.1835% | 6,018 |
| Net operating income to assets | 0.9947% | 2,306 |
| Return on assets (ROA) | 0.9947% | 2,421 |
| Pretax return on assets | 0.9947% | 3,501 |
| Return on Equity (ROE) | 9.1150% | 2,363 |
| Retained earnings to average equity (ytd only) | -9.8230% | 5,799 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6596% | 1,947 |
| Assets per employee ($millions) | 6.6520% | 1,032 |
| Cash dividends to net income (ytd only)* | 207.7670% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8546% | 1,044 |
| Loan loss allowance to noncurrent loans | 46.8705% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 1,115 |
| Noncurrent loans to loans | 3.9569% | 309 |
| Net loans and leases to total assets | 42.6939% | 5,315 |
| Net loans and leases to deposits | 48.2993% | 5,409 |
| Net loans and leases to core deposits | 49.5032% | 5,458 |
| Total domestic deposits to total assets | 88.3945% | 1,411 |
| Equity capital to assets | 11.3199% | 2,605 |
| Core capital (leverage) ratio | 10.7339% | 2,688 |
| Tier 1 risk-based capital ratio | 19.0862% | 1,713 |
| Total risk-based capital ratio | 20.3389% | 1,673 |
| Memoranda: | ||
| Average total assets | $41,420,500 | 5,685 |
| Average earning assets | $39,065,500 | 5,657 |
| Average equity | $4,520,000 | 5,714 |
| Average total loans | $18,119,500 | 5,746 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 2,486 |
| Cost of funding earning assets | 0.1923% | 5,346 |
| Net interest margin | 4.0305% | 1,617 |
| Noninterest income to average assets | 0.3271% | 4,560 |
| Noninterest expense to average assets | 2.6392% | 3,786 |
| Loan and lease loss provision to assets | 0.2189% | 942 |
| Net operating income to assets | 1.2323% | 1,444 |
| Return on assets (ROA) | 1.2323% | 1,501 |
| Pretax return on assets | 1.2323% | 2,533 |
| Return on Equity (ROE) | 11.3931% | 1,467 |
| Retained earnings to average equity (ytd only) | 3.8659% | 3,285 |
| Net charge-offs to loans | 0.0615% | 2,996 |
| Credit loss provision to net charge-offs | 741.6667% | 452 |
| Earnings coverage of net charge-offs (x) | 49.1667% | 1,016 |
| Efficiency ratio | 64.5219% | 4,163 |
| Assets per employee ($millions) | 7.1548% | 840 |
| Cash dividends to net income (ytd only)* | 66.0679% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 1,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.1783% | 5,333 |
| Net loans and leases to deposits | 48.3350% | 5,471 |
| Net loans and leases to core deposits | 49.2324% | 5,529 |
| Total domestic deposits to total assets | 89.3312% | 943 |
| Equity capital to assets | 10.5337% | 3,319 |
| Core capital (leverage) ratio | 10.6067% | 2,817 |
| Tier 1 risk-based capital ratio | 19.7071% | 1,540 |
| Total risk-based capital ratio | 20.9601% | 1,513 |
| Memoranda: | ||
| Average total assets | $40,655,800 | 5,751 |
| Average earning assets | $37,960,600 | 5,728 |
| Average equity | $4,397,400 | 5,784 |
| Average total loans | $19,513,400 | 5,741 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 2,658 |
| Cost of funding earning assets | 0.1921% | 5,448 |
| Net interest margin | 3.9838% | 1,750 |
| Noninterest income to average assets | 0.3326% | 4,561 |
| Noninterest expense to average assets | 2.6109% | 3,834 |
| Loan and lease loss provision to assets | 0.2062% | 963 |
| Net operating income to assets | 1.2406% | 1,523 |
| Return on assets (ROA) | 1.2406% | 1,581 |
| Pretax return on assets | 1.2406% | 2,648 |
| Return on Equity (ROE) | 11.3901% | 1,576 |
| Retained earnings to average equity (ytd only) | 1.2826% | 5,204 |
| Net charge-offs to loans | 0.0813% | 2,391 |
| Credit loss provision to net charge-offs | 516.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 36.2494% | 1,329 |
| Efficiency ratio | 64.3443% | 4,183 |
| Assets per employee ($millions) | 7.0582% | 847 |
| Cash dividends to net income (ytd only)* | 88.7396% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 3,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.2599% | 4,218 |
| Net loans and leases to deposits | 75.1348% | 3,413 |
| Net loans and leases to core deposits | 77.7785% | 3,631 |
| Total domestic deposits to total assets | 76.2096% | 5,458 |
| Equity capital to assets | 10.5551% | 3,538 |
| Core capital (leverage) ratio | 10.4273% | 3,135 |
| Tier 1 risk-based capital ratio | 15.4992% | 3,048 |
| Total risk-based capital ratio | 16.6393% | 3,030 |
| Memoranda: | ||
| Average total assets | $40,087,500 | 5,836 |
| Average earning assets | $37,484,000 | 5,816 |
| Average equity | $4,366,250 | 5,867 |
| Average total loans | $19,672,500 | 5,808 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 3,726 |
| Cost of funding earning assets | 0.1858% | 5,566 |
| Net interest margin | 3.7050% | 2,686 |
| Noninterest income to average assets | 0.3203% | 4,665 |
| Noninterest expense to average assets | 2.7762% | 3,328 |
| Loan and lease loss provision to assets | 0.0051% | 3,996 |
| Net operating income to assets | 0.9864% | 2,464 |
| Return on assets (ROA) | 0.9864% | 2,570 |
| Pretax return on assets | 0.9864% | 3,638 |
| Return on Equity (ROE) | 8.9573% | 2,570 |
| Retained earnings to average equity (ytd only) | -2.7241% | 5,895 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6842% | 2,722 |
| Assets per employee ($millions) | 6.7840% | 935 |
| Cash dividends to net income (ytd only)* | 130.4124% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 3,461 |
| Loan loss allowance to noncurrent loans | 13,250.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,889 |
| Noncurrent loans to loans | 0.0095% | 5,729 |
| Net loans and leases to total assets | 51.0318% | 4,845 |
| Net loans and leases to deposits | 65.3166% | 4,401 |
| Net loans and leases to core deposits | 67.6502% | 4,517 |
| Total domestic deposits to total assets | 78.1299% | 5,258 |
| Equity capital to assets | 10.5764% | 3,365 |
| Core capital (leverage) ratio | 11.0209% | 2,399 |
| Tier 1 risk-based capital ratio | 16.5958% | 2,569 |
| Total risk-based capital ratio | 17.7377% | 2,572 |
| Memoranda: | ||
| Average total assets | $39,333,670 | 5,914 |
| Average earning assets | $36,599,670 | 5,894 |
| Average equity | $4,331,670 | 5,936 |
| Average total loans | $18,042,330 | 5,922 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 4,265 |
| Cost of funding earning assets | 0.1909% | 5,591 |
| Net interest margin | 3.5373% | 3,274 |
| Noninterest income to average assets | 0.3312% | 4,540 |
| Noninterest expense to average assets | 3.0428% | 2,443 |
| Loan and lease loss provision to assets | -0.2794% | 6,301 |
| Net operating income to assets | 0.8280% | 3,127 |
| Return on assets (ROA) | 0.8280% | 3,252 |
| Pretax return on assets | 0.8280% | 4,138 |
| Return on Equity (ROE) | 7.3648% | 3,294 |
| Retained earnings to average equity (ytd only) | -9.6663% | 6,127 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7262% | 1,296 |
| Assets per employee ($millions) | 6.3492% | 1,165 |
| Cash dividends to net income (ytd only)* | 231.2500% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 2,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 42.0239% | 5,485 |
| Net loans and leases to deposits | 47.5666% | 5,585 |
| Net loans and leases to core deposits | 49.5497% | 5,610 |
| Total domestic deposits to total assets | 88.3476% | 1,634 |
| Equity capital to assets | 11.3637% | 2,589 |
| Core capital (leverage) ratio | 10.9191% | 2,496 |
| Tier 1 risk-based capital ratio | 18.4794% | 2,009 |
| Total risk-based capital ratio | 19.6783% | 1,973 |
| Memoranda: | ||
| Average total assets | $38,648,500 | 5,992 |
| Average earning assets | $35,620,000 | 5,974 |
| Average equity | $4,345,000 | 5,984 |
| Average total loans | $16,545,000 | 6,036 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,943 |
| Cost of funding earning assets | 0.1822% | 5,896 |
| Net interest margin | 3.7631% | 2,759 |
| Noninterest income to average assets | 0.3309% | 4,747 |
| Noninterest expense to average assets | 2.6795% | 3,942 |
| Loan and lease loss provision to assets | 0.0766% | 2,946 |
| Net operating income to assets | 1.0940% | 1,998 |
| Return on assets (ROA) | 1.0940% | 2,052 |
| Pretax return on assets | 1.0940% | 3,110 |
| Return on Equity (ROE) | 10.7212% | 1,808 |
| Retained earnings to average equity (ytd only) | 3.2188% | 3,944 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5959% | 3,606 |
| Assets per employee ($millions) | 6.5337% | 1,034 |
| Cash dividends to net income (ytd only)* | 69.9774% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,202 |
| Loan loss allowance to noncurrent loans | 8,800.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 6,046 |
| Noncurrent loans to loans | 0.0178% | 5,826 |
| Net loans and leases to total assets | 42.2938% | 5,594 |
| Net loans and leases to deposits | 47.6533% | 5,703 |
| Net loans and leases to core deposits | 49.4601% | 5,737 |
| Total domestic deposits to total assets | 88.7531% | 1,387 |
| Equity capital to assets | 11.1244% | 2,778 |
| Core capital (leverage) ratio | 10.2088% | 3,297 |
| Tier 1 risk-based capital ratio | 19.8571% | 1,624 |
| Total risk-based capital ratio | 21.0783% | 1,604 |
| Memoranda: | ||
| Average total assets | $40,492,800 | 6,027 |
| Average earning assets | $37,868,000 | 5,990 |
| Average equity | $4,132,000 | 6,061 |
| Average total loans | $17,056,600 | 6,085 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,792 |
| Cost of funding earning assets | 0.1663% | 6,086 |
| Net interest margin | 3.5581% | 3,598 |
| Noninterest income to average assets | 0.3234% | 4,846 |
| Noninterest expense to average assets | 2.6199% | 4,128 |
| Loan and lease loss provision to assets | 0.0065% | 4,288 |
| Net operating income to assets | 1.0519% | 2,230 |
| Return on assets (ROA) | 1.0519% | 2,291 |
| Pretax return on assets | 1.0519% | 3,370 |
| Return on Equity (ROE) | 10.5361% | 1,977 |
| Retained earnings to average equity (ytd only) | 0.3927% | 5,692 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2256% | 3,305 |
| Assets per employee ($millions) | 6.1584% | 1,230 |
| Cash dividends to net income (ytd only)* | 96.2732% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 4,610 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 6,135 |
| Noncurrent loans to loans | 0.0240% | 5,929 |
| Net loans and leases to total assets | 47.7070% | 5,232 |
| Net loans and leases to deposits | 64.5674% | 4,475 |
| Net loans and leases to core deposits | 67.2839% | 4,581 |
| Total domestic deposits to total assets | 73.8871% | 6,025 |
| Equity capital to assets | 9.6662% | 4,590 |
| Core capital (leverage) ratio | 10.0348% | 3,630 |
| Tier 1 risk-based capital ratio | 16.3282% | 2,887 |
| Total risk-based capital ratio | 17.2691% | 3,004 |
| Memoranda: | ||
| Average total assets | $40,815,500 | 6,087 |
| Average earning assets | $38,483,500 | 6,039 |
| Average equity | $4,074,750 | 6,147 |
| Average total loans | $17,109,750 | 6,144 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4311% | 5,556 |
| Cost of funding earning assets | 0.1636% | 6,167 |
| Net interest margin | 3.2675% | 4,708 |
| Noninterest income to average assets | 0.3246% | 4,817 |
| Noninterest expense to average assets | 2.7365% | 3,743 |
| Loan and lease loss provision to assets | -0.1099% | 6,389 |
| Net operating income to assets | 0.7890% | 3,386 |
| Return on assets (ROA) | 0.7890% | 3,485 |
| Pretax return on assets | 0.7890% | 4,319 |
| Return on Equity (ROE) | 7.8140% | 3,198 |
| Retained earnings to average equity (ytd only) | -4.0554% | 6,178 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1170% | 2,007 |
| Assets per employee ($millions) | 5.6573% | 1,561 |
| Cash dividends to net income (ytd only)* | 151.8987% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 4,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 46.1049% | 5,353 |
| Net loans and leases to deposits | 58.0836% | 5,035 |
| Net loans and leases to core deposits | 60.5612% | 5,096 |
| Total domestic deposits to total assets | 79.3768% | 5,367 |
| Equity capital to assets | 10.3129% | 3,671 |
| Core capital (leverage) ratio | 11.0713% | 2,357 |
| Tier 1 risk-based capital ratio | 17.1966% | 2,538 |
| Total risk-based capital ratio | 18.2058% | 2,600 |
| Memoranda: | ||
| Average total assets | $40,051,000 | 6,172 |
| Average earning assets | $37,888,670 | 6,112 |
| Average equity | $4,044,000 | 6,198 |
| Average total loans | $15,879,330 | 6,253 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1034% | 6,114 |
| Cost of funding earning assets | 0.1683% | 6,238 |
| Net interest margin | 2.9351% | 5,682 |
| Noninterest income to average assets | 0.3575% | 4,525 |
| Noninterest expense to average assets | 2.7709% | 3,671 |
| Loan and lease loss provision to assets | -0.2384% | 6,591 |
| Net operating income to assets | 0.5959% | 4,219 |
| Return on assets (ROA) | 0.5959% | 4,296 |
| Pretax return on assets | 0.5959% | 4,848 |
| Return on Equity (ROE) | 5.9642% | 4,046 |
| Retained earnings to average equity (ytd only) | -13.1213% | 6,440 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5714% | 1,169 |
| Assets per employee ($millions) | 5.4196% | 1,783 |
| Cash dividends to net income (ytd only)* | 320.0000% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,353 |
| Loan loss allowance to noncurrent loans | 20,900.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,339 |
| Noncurrent loans to loans | 0.0070% | 6,165 |
| Net loans and leases to total assets | 37.3303% | 5,995 |
| Net loans and leases to deposits | 41.8425% | 6,082 |
| Net loans and leases to core deposits | 42.7597% | 6,133 |
| Total domestic deposits to total assets | 89.2163% | 1,519 |
| Equity capital to assets | 10.5702% | 3,181 |
| Core capital (leverage) ratio | 10.3630% | 3,099 |
| Tier 1 risk-based capital ratio | 20.2246% | 1,666 |
| Total risk-based capital ratio | 21.2493% | 1,685 |
| Memoranda: | ||
| Average total assets | $40,276,000 | 6,227 |
| Average earning assets | $38,022,500 | 6,173 |
| Average equity | $4,024,000 | 6,246 |
| Average total loans | $14,584,500 | 6,361 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 5,486 |
| Cost of funding earning assets | 0.2078% | 6,244 |
| Net interest margin | 3.3599% | 4,436 |
| Noninterest income to average assets | 0.3583% | 4,738 |
| Noninterest expense to average assets | 2.4796% | 4,836 |
| Loan and lease loss provision to assets | 0.0884% | 3,343 |
| Net operating income to assets | 0.9579% | 2,526 |
| Return on assets (ROA) | 0.9579% | 2,589 |
| Pretax return on assets | 0.9579% | 3,524 |
| Return on Equity (ROE) | 9.8068% | 2,190 |
| Retained earnings to average equity (ytd only) | 1.3206% | 5,231 |
| Net charge-offs to loans | 0.1027% | 3,801 |
| Credit loss provision to net charge-offs | 217.6471% | 1,062 |
| Earnings coverage of net charge-offs (x) | 25.7647% | 1,316 |
| Efficiency ratio | 70.3252% | 3,785 |
| Assets per employee ($millions) | 6.0879% | 1,213 |
| Cash dividends to net income (ytd only)* | 86.5337% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 2,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 34.1781% | 6,292 |
| Net loans and leases to deposits | 37.8027% | 6,373 |
| Net loans and leases to core deposits | 39.8463% | 6,368 |
| Total domestic deposits to total assets | 90.4118% | 867 |
| Equity capital to assets | 9.4755% | 4,459 |
| Core capital (leverage) ratio | 9.8253% | 3,811 |
| Tier 1 risk-based capital ratio | 20.2927% | 1,587 |
| Total risk-based capital ratio | 21.4415% | 1,580 |
| Memoranda: | ||
| Average total assets | $41,861,600 | 6,231 |
| Average earning assets | $39,465,400 | 6,188 |
| Average equity | $4,089,000 | 6,305 |
| Average total loans | $16,556,200 | 6,345 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 5,681 |
| Cost of funding earning assets | 0.2133% | 6,332 |
| Net interest margin | 3.2904% | 4,679 |
| Noninterest income to average assets | 0.3647% | 4,782 |
| Noninterest expense to average assets | 2.3580% | 5,160 |
| Loan and lease loss provision to assets | 0.0896% | 3,266 |
| Net operating income to assets | 1.0270% | 2,267 |
| Return on assets (ROA) | 1.0270% | 2,352 |
| Pretax return on assets | 1.0270% | 3,390 |
| Return on Equity (ROE) | 10.4343% | 2,029 |
| Retained earnings to average equity (ytd only) | -0.8452% | 6,112 |
| Net charge-offs to loans | -0.1255% | 6,552 |
| Credit loss provision to net charge-offs | -175.0000% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8637% | 4,125 |
| Assets per employee ($millions) | 6.2616% | 1,067 |
| Cash dividends to net income (ytd only)* | 108.1007% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 4,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 47.0010% | 5,447 |
| Net loans and leases to deposits | 63.7999% | 4,539 |
| Net loans and leases to core deposits | 67.9565% | 4,531 |
| Total domestic deposits to total assets | 73.6693% | 6,392 |
| Equity capital to assets | 9.0096% | 5,173 |
| Core capital (leverage) ratio | 9.6806% | 4,129 |
| Tier 1 risk-based capital ratio | 15.9051% | 3,249 |
| Total risk-based capital ratio | 16.9370% | 3,319 |
| Memoranda: | ||
| Average total assets | $41,673,250 | 6,306 |
| Average earning assets | $39,386,000 | 6,257 |
| Average equity | $4,101,750 | 6,377 |
| Average total loans | $16,995,750 | 6,388 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2173% | 6,208 |
| Cost of funding earning assets | 0.2165% | 6,391 |
| Net interest margin | 3.0007% | 5,568 |
| Noninterest income to average assets | 0.3760% | 4,702 |
| Noninterest expense to average assets | 2.4076% | 5,033 |
| Loan and lease loss provision to assets | -0.0147% | 6,587 |
| Net operating income to assets | 0.8253% | 3,170 |
| Return on assets (ROA) | 0.8253% | 3,327 |
| Pretax return on assets | 0.8253% | 4,220 |
| Return on Equity (ROE) | 8.1393% | 3,021 |
| Retained earnings to average equity (ytd only) | -5.3941% | 6,481 |
| Net charge-offs to loans | -0.1910% | 6,652 |
| Credit loss provision to net charge-offs | 20.0000% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8103% | 2,971 |
| Assets per employee ($millions) | 5.7740% | 1,362 |
| Cash dividends to net income (ytd only)* | 166.2722% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 4,614 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 6,540 |
| Noncurrent loans to loans | 0.0170% | 6,371 |
| Net loans and leases to total assets | 43.0279% | 5,821 |
| Net loans and leases to deposits | 51.2767% | 5,749 |
| Net loans and leases to core deposits | 56.0259% | 5,594 |
| Total domestic deposits to total assets | 83.9131% | 4,358 |
| Equity capital to assets | 9.6813% | 4,337 |
| Core capital (leverage) ratio | 10.2209% | 3,197 |
| Tier 1 risk-based capital ratio | 17.8252% | 2,385 |
| Total risk-based capital ratio | 18.9497% | 2,402 |
| Memoranda: | ||
| Average total assets | $40,954,000 | 6,382 |
| Average earning assets | $38,790,670 | 6,320 |
| Average equity | $4,152,670 | 6,414 |
| Average total loans | $15,708,330 | 6,487 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9108% | 6,600 |
| Cost of funding earning assets | 0.2152% | 6,505 |
| Net interest margin | 2.6956% | 6,216 |
| Noninterest income to average assets | 0.3784% | 4,635 |
| Noninterest expense to average assets | 2.6200% | 4,338 |
| Loan and lease loss provision to assets | -0.2329% | 6,906 |
| Net operating income to assets | 0.5434% | 4,487 |
| Return on assets (ROA) | 0.5434% | 4,637 |
| Pretax return on assets | 0.5434% | 5,136 |
| Return on Equity (ROE) | 5.2428% | 4,433 |
| Retained earnings to average equity (ytd only) | -15.6349% | 6,762 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4040% | 1,200 |
| Assets per employee ($millions) | 5.8436% | 1,377 |
| Cash dividends to net income (ytd only)* | 398.2143% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 6,059 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 33.5949% | 6,437 |
| Net loans and leases to deposits | 37.4942% | 6,523 |
| Net loans and leases to core deposits | 38.9016% | 6,526 |
| Total domestic deposits to total assets | 89.6003% | 1,298 |
| Equity capital to assets | 10.1626% | 3,942 |
| Core capital (leverage) ratio | 9.8807% | 3,555 |
| Tier 1 risk-based capital ratio | 21.1533% | 1,500 |
| Total risk-based capital ratio | 22.3381% | 1,486 |
| Memoranda: | ||
| Average total assets | $41,222,000 | 6,429 |
| Average earning assets | $39,027,000 | 6,364 |
| Average equity | $4,272,500 | 6,453 |
| Average total loans | $14,754,500 | 6,593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 4,957 |
| Cost of funding earning assets | 0.3174% | 6,372 |
| Net interest margin | 3.7803% | 3,317 |
| Noninterest income to average assets | 0.3897% | 4,686 |
| Noninterest expense to average assets | 2.6427% | 4,588 |
| Loan and lease loss provision to assets | 0.1242% | 4,060 |
| Net operating income to assets | 1.1618% | 1,726 |
| Return on assets (ROA) | 1.1618% | 1,887 |
| Pretax return on assets | 1.1618% | 2,942 |
| Return on Equity (ROE) | 11.3588% | 1,696 |
| Retained earnings to average equity (ytd only) | 3.5719% | 3,695 |
| Net charge-offs to loans | 1.0418% | 1,034 |
| Credit loss provision to net charge-offs | 27.8689% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.8852% | 3,989 |
| Efficiency ratio | 67.2660% | 4,275 |
| Assets per employee ($millions) | 5.9341% | 1,330 |
| Cash dividends to net income (ytd only)* | 68.5535% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 6,140 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.9893% | 6,373 |
| Net loans and leases to deposits | 41.4140% | 6,483 |
| Net loans and leases to core deposits | 42.9154% | 6,509 |
| Total domestic deposits to total assets | 89.3161% | 1,359 |
| Equity capital to assets | 10.5636% | 3,446 |
| Core capital (leverage) ratio | 10.2336% | 3,095 |
| Tier 1 risk-based capital ratio | 21.2019% | 1,419 |
| Total risk-based capital ratio | 22.3372% | 1,412 |
| Memoranda: | ||
| Average total assets | $41,056,000 | 6,467 |
| Average earning assets | $38,436,200 | 6,417 |
| Average equity | $4,199,400 | 6,521 |
| Average total loans | $17,565,200 | 6,534 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 5,383 |
| Cost of funding earning assets | 0.3337% | 6,447 |
| Net interest margin | 3.7091% | 3,759 |
| Noninterest income to average assets | 0.3909% | 4,701 |
| Noninterest expense to average assets | 2.6089% | 4,709 |
| Loan and lease loss provision to assets | 0.0586% | 4,995 |
| Net operating income to assets | 1.1986% | 1,744 |
| Return on assets (ROA) | 1.1986% | 1,918 |
| Pretax return on assets | 1.1986% | 2,994 |
| Return on Equity (ROE) | 11.8165% | 1,693 |
| Retained earnings to average equity (ytd only) | 1.3166% | 5,647 |
| Net charge-offs to loans | 0.1624% | 3,820 |
| Credit loss provision to net charge-offs | 81.8182% | 3,568 |
| Earnings coverage of net charge-offs (x) | 17.5469% | 1,619 |
| Efficiency ratio | 67.4810% | 4,180 |
| Assets per employee ($millions) | 6.0353% | 1,229 |
| Cash dividends to net income (ytd only)* | 88.8597% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 4,160 |
| Loan loss allowance to noncurrent loans | 208.5366% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 5,723 |
| Noncurrent loans to loans | 0.6952% | 5,047 |
| Net loans and leases to total assets | 55.0311% | 4,591 |
| Net loans and leases to deposits | 81.8396% | 2,144 |
| Net loans and leases to core deposits | 85.8087% | 2,489 |
| Total domestic deposits to total assets | 67.2426% | 6,944 |
| Equity capital to assets | 10.2303% | 4,165 |
| Core capital (leverage) ratio | 9.6965% | 3,960 |
| Tier 1 risk-based capital ratio | 14.6792% | 4,065 |
| Total risk-based capital ratio | 15.9273% | 4,031 |
| Memoranda: | ||
| Average total assets | $40,935,250 | 6,555 |
| Average earning assets | $38,355,500 | 6,496 |
| Average equity | $4,152,250 | 6,611 |
| Average total loans | $18,062,000 | 6,595 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 6,214 |
| Cost of funding earning assets | 0.3438% | 6,534 |
| Net interest margin | 3.4225% | 4,994 |
| Noninterest income to average assets | 0.4000% | 4,648 |
| Noninterest expense to average assets | 2.7211% | 4,324 |
| Loan and lease loss provision to assets | -0.0543% | 7,081 |
| Net operating income to assets | 0.9284% | 2,766 |
| Return on assets (ROA) | 0.9284% | 3,030 |
| Pretax return on assets | 0.9284% | 3,969 |
| Return on Equity (ROE) | 9.1804% | 2,727 |
| Retained earnings to average equity (ytd only) | -4.1019% | 6,556 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6868% | 2,789 |
| Assets per employee ($millions) | 5.7451% | 1,413 |
| Cash dividends to net income (ytd only)* | 144.6809% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 3,209 |
| Loan loss allowance to noncurrent loans | 179.5699% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 5,616 |
| Noncurrent loans to loans | 0.9491% | 4,609 |
| Net loans and leases to total assets | 47.9013% | 5,625 |
| Net loans and leases to deposits | 62.2082% | 4,971 |
| Net loans and leases to core deposits | 64.9604% | 5,111 |
| Total domestic deposits to total assets | 77.0017% | 6,322 |
| Equity capital to assets | 10.2745% | 3,966 |
| Core capital (leverage) ratio | 10.2632% | 3,083 |
| Tier 1 risk-based capital ratio | 16.1855% | 3,077 |
| Total risk-based capital ratio | 17.4374% | 3,036 |
| Memoranda: | ||
| Average total assets | $40,498,000 | 6,618 |
| Average earning assets | $37,808,330 | 6,563 |
| Average equity | $4,095,670 | 6,657 |
| Average total loans | $16,219,000 | 6,722 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 6,769 |
| Cost of funding earning assets | 0.3502% | 6,635 |
| Net interest margin | 3.0877% | 6,088 |
| Noninterest income to average assets | 0.4036% | 4,640 |
| Noninterest expense to average assets | 2.9528% | 3,435 |
| Loan and lease loss provision to assets | -0.3839% | 7,247 |
| Net operating income to assets | 0.6988% | 3,885 |
| Return on assets (ROA) | 0.6988% | 4,101 |
| Pretax return on assets | 0.6988% | 4,792 |
| Return on Equity (ROE) | 6.9651% | 3,801 |
| Retained earnings to average equity (ytd only) | -14.5187% | 6,963 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3614% | 1,064 |
| Assets per employee ($millions) | 5.7181% | 1,509 |
| Cash dividends to net income (ytd only)* | 308.4507% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 2,167 |
| Loan loss allowance to noncurrent loans | 164.5161% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 5,697 |
| Noncurrent loans to loans | 1.2589% | 4,229 |
| Net loans and leases to total assets | 36.1481% | 6,608 |
| Net loans and leases to deposits | 40.3261% | 6,722 |
| Net loans and leases to core deposits | 41.8578% | 6,754 |
| Total domestic deposits to total assets | 89.6395% | 1,277 |
| Equity capital to assets | 10.0232% | 4,098 |
| Core capital (leverage) ratio | 9.7922% | 3,653 |
| Tier 1 risk-based capital ratio | 18.7752% | 2,060 |
| Total risk-based capital ratio | 20.0298% | 2,025 |
| Memoranda: | ||
| Average total assets | $40,639,000 | 6,663 |
| Average earning assets | $37,698,000 | 6,615 |
| Average equity | $4,077,500 | 6,699 |
| Average total loans | $14,529,500 | 6,884 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 5,735 |
| Cost of funding earning assets | 0.4384% | 6,771 |
| Net interest margin | 3.8710% | 3,471 |
| Noninterest income to average assets | 0.4974% | 3,861 |
| Noninterest expense to average assets | 2.7718% | 4,466 |
| Loan and lease loss provision to assets | 0.1250% | 5,047 |
| Net operating income to assets | 1.1704% | 1,600 |
| Return on assets (ROA) | 1.1704% | 1,710 |
| Pretax return on assets | 1.1704% | 2,578 |
| Return on Equity (ROE) | 10.8230% | 1,757 |
| Retained earnings to average equity (ytd only) | 1.5497% | 5,102 |
| Net charge-offs to loans | 0.0123% | 6,257 |
| Credit loss provision to net charge-offs | 2,350.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 243.5000% | 138 |
| Efficiency ratio | 68.1491% | 4,329 |
| Assets per employee ($millions) | 5.8930% | 1,309 |
| Cash dividends to net income (ytd only)* | 85.6818% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4153% | 1,439 |
| Loan loss allowance to noncurrent loans | 4,312.5000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 6,926 |
| Noncurrent loans to loans | 0.0560% | 6,680 |
| Net loans and leases to total assets | 33.7907% | 6,875 |
| Net loans and leases to deposits | 37.6303% | 6,958 |
| Net loans and leases to core deposits | 39.0219% | 6,968 |
| Total domestic deposits to total assets | 89.7966% | 1,101 |
| Equity capital to assets | 10.0434% | 4,117 |
| Core capital (leverage) ratio | 9.9624% | 3,389 |
| Tier 1 risk-based capital ratio | 20.9004% | 1,435 |
| Total risk-based capital ratio | 22.1586% | 1,411 |
| Memoranda: | ||
| Average total assets | $37,593,000 | 6,752 |
| Average earning assets | $34,668,400 | 6,725 |
| Average equity | $4,065,400 | 6,731 |
| Average total loans | $16,248,400 | 6,836 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 6,032 |
| Cost of funding earning assets | 0.4673% | 6,828 |
| Net interest margin | 3.8015% | 3,878 |
| Noninterest income to average assets | 0.5089% | 3,802 |
| Noninterest expense to average assets | 2.7627% | 4,488 |
| Loan and lease loss provision to assets | -0.0073% | 7,296 |
| Net operating income to assets | 1.2723% | 1,447 |
| Return on assets (ROA) | 1.2723% | 1,556 |
| Pretax return on assets | 1.2723% | 2,391 |
| Return on Equity (ROE) | 11.5339% | 1,677 |
| Retained earnings to average equity (ytd only) | -0.8898% | 6,136 |
| Net charge-offs to loans | 0.0160% | 5,930 |
| Credit loss provision to net charge-offs | -100.0000% | 6,515 |
| Earnings coverage of net charge-offs (x) | 173.7790% | 222 |
| Efficiency ratio | 68.5921% | 4,200 |
| Assets per employee ($millions) | 5.2980% | 1,815 |
| Cash dividends to net income (ytd only)* | 107.7123% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 4,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.1070% | 4,980 |
| Net loans and leases to deposits | 62.1847% | 5,378 |
| Net loans and leases to core deposits | 64.7909% | 5,542 |
| Total domestic deposits to total assets | 88.6183% | 1,682 |
| Equity capital to assets | 11.0473% | 3,094 |
| Core capital (leverage) ratio | 11.3413% | 2,133 |
| Tier 1 risk-based capital ratio | 16.1993% | 3,015 |
| Total risk-based capital ratio | 17.4460% | 2,981 |
| Memoranda: | ||
| Average total assets | $36,678,500 | 6,837 |
| Average earning assets | $33,950,500 | 6,819 |
| Average equity | $4,046,000 | 6,788 |
| Average total loans | $16,739,500 | 6,880 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 6,877 |
| Cost of funding earning assets | 0.4816% | 6,907 |
| Net interest margin | 3.3596% | 5,686 |
| Noninterest income to average assets | 0.5145% | 3,750 |
| Noninterest expense to average assets | 2.8624% | 4,173 |
| Loan and lease loss provision to assets | -0.2025% | 7,449 |
| Net operating income to assets | 0.9468% | 2,450 |
| Return on assets (ROA) | 0.9468% | 2,543 |
| Pretax return on assets | 0.9468% | 3,445 |
| Return on Equity (ROE) | 8.5877% | 2,682 |
| Retained earnings to average equity (ytd only) | -6.8503% | 6,714 |
| Net charge-offs to loans | 0.0130% | 5,666 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,752 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 261 |
| Efficiency ratio | 79.3627% | 2,496 |
| Assets per employee ($millions) | 4.7626% | 2,461 |
| Cash dividends to net income (ytd only)* | 179.7688% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 56.3021% | 4,939 |
| Net loans and leases to deposits | 64.2324% | 5,239 |
| Net loans and leases to core deposits | 66.1964% | 5,489 |
| Total domestic deposits to total assets | 87.6537% | 2,367 |
| Equity capital to assets | 11.9953% | 2,091 |
| Core capital (leverage) ratio | 10.7371% | 2,484 |
| Tier 1 risk-based capital ratio | 17.2178% | 2,437 |
| Total risk-based capital ratio | 18.4690% | 2,413 |
| Memoranda: | ||
| Average total assets | $36,542,670 | 6,902 |
| Average earning assets | $33,634,670 | 6,886 |
| Average equity | $4,029,000 | 6,842 |
| Average total loans | $15,408,670 | 7,017 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3955% | 7,268 |
| Cost of funding earning assets | 0.4867% | 7,019 |
| Net interest margin | 2.9088% | 6,743 |
| Noninterest income to average assets | 0.5138% | 3,777 |
| Noninterest expense to average assets | 2.8837% | 4,133 |
| Loan and lease loss provision to assets | -0.4299% | 7,531 |
| Net operating income to assets | 0.6921% | 3,543 |
| Return on assets (ROA) | 0.6921% | 3,615 |
| Pretax return on assets | 0.6921% | 4,335 |
| Return on Equity (ROE) | 6.5282% | 3,616 |
| Retained earnings to average equity (ytd only) | -14.8368% | 7,034 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 1,187 |
| Assets per employee ($millions) | 5.2509% | 1,822 |
| Cash dividends to net income (ytd only)* | 327.2727% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 2,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 36.3669% | 6,986 |
| Net loans and leases to deposits | 40.9027% | 7,063 |
| Net loans and leases to core deposits | 42.6271% | 7,088 |
| Total domestic deposits to total assets | 88.9107% | 1,828 |
| Equity capital to assets | 10.7710% | 2,902 |
| Core capital (leverage) ratio | 12.1596% | 1,475 |
| Tier 1 risk-based capital ratio | 20.2756% | 1,530 |
| Total risk-based capital ratio | 21.5323% | 1,498 |
| Memoranda: | ||
| Average total assets | $38,145,000 | 6,901 |
| Average earning assets | $34,516,500 | 6,900 |
| Average equity | $4,044,000 | 6,876 |
| Average total loans | $13,597,500 | 7,165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 3,863 |
| Cost of funding earning assets | 0.6412% | 7,024 |
| Net interest margin | 4.5072% | 1,213 |
| Noninterest income to average assets | 0.5559% | 3,784 |
| Noninterest expense to average assets | 3.0095% | 3,812 |
| Loan and lease loss provision to assets | 0.0116% | 6,976 |
| Net operating income to assets | 1.6677% | 554 |
| Return on assets (ROA) | 1.6677% | 594 |
| Pretax return on assets | 1.6677% | 1,004 |
| Return on Equity (ROE) | 14.3007% | 829 |
| Retained earnings to average equity (ytd only) | 5.3160% | 2,239 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1837% | 5,318 |
| Assets per employee ($millions) | 5.6477% | 1,460 |
| Cash dividends to net income (ytd only)* | 62.8272% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2034% | 1,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 33.5686% | 7,241 |
| Net loans and leases to deposits | 37.5534% | 7,313 |
| Net loans and leases to core deposits | 39.0094% | 7,324 |
| Total domestic deposits to total assets | 89.3889% | 1,442 |
| Equity capital to assets | 10.4442% | 3,223 |
| Core capital (leverage) ratio | 11.3307% | 1,933 |
| Tier 1 risk-based capital ratio | 20.8726% | 1,333 |
| Total risk-based capital ratio | 22.1281% | 1,311 |
| Memoranda: | ||
| Average total assets | $34,357,800 | 7,060 |
| Average earning assets | $31,505,400 | 7,036 |
| Average equity | $4,006,800 | 7,001 |
| Average total loans | $16,623,000 | 7,087 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 3,515 |
| Cost of funding earning assets | 0.6682% | 7,133 |
| Net interest margin | 4.5957% | 1,055 |
| Noninterest income to average assets | 0.5807% | 3,576 |
| Noninterest expense to average assets | 3.2502% | 2,741 |
| Loan and lease loss provision to assets | -0.1855% | 7,715 |
| Net operating income to assets | 1.8146% | 483 |
| Return on assets (ROA) | 1.8146% | 528 |
| Pretax return on assets | 1.8146% | 898 |
| Return on Equity (ROE) | 15.0893% | 842 |
| Retained earnings to average equity (ytd only) | 3.0179% | 4,324 |
| Net charge-offs to loans | 0.0460% | 6,073 |
| Credit loss provision to net charge-offs | -766.6667% | 7,063 |
| Earnings coverage of net charge-offs (x) | 67.3313% | 448 |
| Efficiency ratio | 66.6116% | 4,728 |
| Assets per employee ($millions) | 4.7931% | 2,459 |
| Cash dividends to net income (ytd only)* | 79.9997% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.4611% | 4,028 |
| Net loans and leases to deposits | 87.5309% | 2,074 |
| Net loans and leases to core deposits | 92.4550% | 2,736 |
| Total domestic deposits to total assets | 73.6439% | 6,968 |
| Equity capital to assets | 12.1334% | 2,071 |
| Core capital (leverage) ratio | 11.8447% | 1,742 |
| Tier 1 risk-based capital ratio | 15.5386% | 2,977 |
| Total risk-based capital ratio | 16.5153% | 3,087 |
| Memoranda: | ||
| Average total assets | $33,063,750 | 7,205 |
| Average earning assets | $30,927,000 | 7,139 |
| Average equity | $3,976,250 | 7,101 |
| Average total loans | $17,386,250 | 7,154 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 5,714 |
| Cost of funding earning assets | 0.6880% | 7,214 |
| Net interest margin | 4.1342% | 2,402 |
| Noninterest income to average assets | 0.5836% | 3,457 |
| Noninterest expense to average assets | 2.9604% | 3,852 |
| Loan and lease loss provision to assets | 0.0243% | 6,695 |
| Net operating income to assets | 1.4711% | 956 |
| Return on assets (ROA) | 1.4711% | 1,022 |
| Pretax return on assets | 1.4711% | 1,638 |
| Return on Equity (ROE) | 12.2697% | 1,388 |
| Retained earnings to average equity (ytd only) | -2.2309% | 6,182 |
| Net charge-offs to loans | 0.0755% | 5,387 |
| Credit loss provision to net charge-offs | 66.6667% | 5,056 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 711 |
| Efficiency ratio | 66.4393% | 4,897 |
| Assets per employee ($millions) | 4.5123% | 2,856 |
| Cash dividends to net income (ytd only)* | 118.1818% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,198 |
| Loan loss allowance to noncurrent loans | 379.6296% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 6,958 |
| Noncurrent loans to loans | 0.2756% | 6,679 |
| Net loans and leases to total assets | 61.3753% | 4,804 |
| Net loans and leases to deposits | 76.1519% | 4,305 |
| Net loans and leases to core deposits | 79.8336% | 4,713 |
| Total domestic deposits to total assets | 80.5958% | 5,536 |
| Equity capital to assets | 12.5372% | 1,773 |
| Core capital (leverage) ratio | 11.8208% | 1,741 |
| Tier 1 risk-based capital ratio | 15.4896% | 2,897 |
| Total risk-based capital ratio | 16.3402% | 3,071 |
| Memoranda: | ||
| Average total assets | $32,901,000 | 7,260 |
| Average earning assets | $30,816,000 | 7,197 |
| Average equity | $3,944,670 | 7,143 |
| Average total loans | $15,891,330 | 7,264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 7,132 |
| Cost of funding earning assets | 0.7376% | 7,255 |
| Net interest margin | 3.5610% | 4,897 |
| Noninterest income to average assets | 0.5364% | 3,766 |
| Noninterest expense to average assets | 2.7176% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1562% | 1,659 |
| Return on assets (ROA) | 1.1562% | 1,738 |
| Pretax return on assets | 1.1562% | 2,530 |
| Return on Equity (ROE) | 9.8552% | 2,151 |
| Retained earnings to average equity (ytd only) | -12.1920% | 7,078 |
| Net charge-offs to loans | 0.1709% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 16.1667% | 1,342 |
| Efficiency ratio | 70.1538% | 4,273 |
| Assets per employee ($millions) | 4.6087% | 2,776 |
| Cash dividends to net income (ytd only)* | 223.7113% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0298% | 2,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 43.2380% | 7,048 |
| Net loans and leases to deposits | 49.2723% | 7,167 |
| Net loans and leases to core deposits | 50.8197% | 7,252 |
| Total domestic deposits to total assets | 87.7530% | 2,209 |
| Equity capital to assets | 12.0331% | 2,026 |
| Core capital (leverage) ratio | 11.5801% | 1,867 |
| Tier 1 risk-based capital ratio | 18.3042% | 1,873 |
| Total risk-based capital ratio | 19.5555% | 1,839 |
| Memoranda: | ||
| Average total assets | $33,558,500 | 7,326 |
| Average earning assets | $31,452,000 | 7,268 |
| Average equity | $3,937,000 | 7,208 |
| Average total loans | $14,041,500 | 7,447 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 4,069 |
| Cost of funding earning assets | 1.1289% | 6,884 |
| Net interest margin | 4.3852% | 1,477 |
| Noninterest income to average assets | 0.6357% | 3,379 |
| Noninterest expense to average assets | 2.8908% | 4,563 |
| Loan and lease loss provision to assets | 0.0848% | 6,763 |
| Net operating income to assets | 1.7284% | 416 |
| Return on assets (ROA) | 1.7284% | 443 |
| Pretax return on assets | 1.7284% | 736 |
| Return on Equity (ROE) | 15.2494% | 640 |
| Retained earnings to average equity (ytd only) | 5.3413% | 1,656 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4543% | 6,250 |
| Assets per employee ($millions) | 4.9794% | 2,248 |
| Cash dividends to net income (ytd only)* | 64.9737% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1307% | 1,772 |
| Loan loss allowance to noncurrent loans | 14,750.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,524 |
| Noncurrent loans to loans | 0.0144% | 7,401 |
| Net loans and leases to total assets | 38.8742% | 7,411 |
| Net loans and leases to deposits | 44.0421% | 7,515 |
| Net loans and leases to core deposits | 60.7705% | 7,235 |
| Total domestic deposits to total assets | 88.2660% | 1,845 |
| Equity capital to assets | 11.4528% | 2,352 |
| Core capital (leverage) ratio | 10.8594% | 2,311 |
| Tier 1 risk-based capital ratio | 14.6101% | 3,150 |
| Total risk-based capital ratio | 15.7512% | 3,161 |
| Memoranda: | ||
| Average total assets | $33,035,400 | 7,364 |
| Average earning assets | $30,648,800 | 7,329 |
| Average equity | $3,744,400 | 7,375 |
| Average total loans | $15,815,600 | 7,413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5960% | 3,886 |
| Cost of funding earning assets | 1.2092% | 6,863 |
| Net interest margin | 4.3868% | 1,476 |
| Noninterest income to average assets | 0.6466% | 3,368 |
| Noninterest expense to average assets | 2.8278% | 4,772 |
| Loan and lease loss provision to assets | 0.0655% | 6,703 |
| Net operating income to assets | 1.8211% | 421 |
| Return on assets (ROA) | 1.8211% | 449 |
| Pretax return on assets | 1.8211% | 767 |
| Return on Equity (ROE) | 16.1119% | 639 |
| Retained earnings to average equity (ytd only) | 2.6792% | 3,828 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9826% | 6,420 |
| Assets per employee ($millions) | 4.9674% | 2,192 |
| Cash dividends to net income (ytd only)* | 83.3699% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 3,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 56.1716% | 6,122 |
| Net loans and leases to deposits | 73.0196% | 5,506 |
| Net loans and leases to core deposits | 108.9044% | 3,353 |
| Total domestic deposits to total assets | 76.9268% | 6,356 |
| Equity capital to assets | 11.1239% | 2,903 |
| Core capital (leverage) ratio | 11.0349% | 2,383 |
| Tier 1 risk-based capital ratio | 14.2384% | 3,415 |
| Total risk-based capital ratio | 15.3420% | 3,435 |
| Memoranda: | ||
| Average total assets | $32,580,250 | 7,437 |
| Average earning assets | $30,211,000 | 7,408 |
| Average equity | $3,682,500 | 7,451 |
| Average total loans | $16,308,250 | 7,456 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 5,437 |
| Cost of funding earning assets | 1.3254% | 6,716 |
| Net interest margin | 4.0169% | 2,630 |
| Noninterest income to average assets | 0.6468% | 3,367 |
| Noninterest expense to average assets | 2.7881% | 5,010 |
| Loan and lease loss provision to assets | 0.0440% | 6,793 |
| Net operating income to assets | 1.5259% | 794 |
| Return on assets (ROA) | 1.5259% | 849 |
| Pretax return on assets | 1.5259% | 1,377 |
| Return on Equity (ROE) | 13.4229% | 1,092 |
| Retained earnings to average equity (ytd only) | -3.6457% | 6,075 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9769% | 5,917 |
| Assets per employee ($millions) | 4.3714% | 2,986 |
| Cash dividends to net income (ytd only)* | 127.1605% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 2,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.6634% | 6,132 |
| Net loans and leases to deposits | 64.6013% | 6,506 |
| Net loans and leases to core deposits | 95.7163% | 4,933 |
| Total domestic deposits to total assets | 87.7124% | 1,922 |
| Equity capital to assets | 11.8725% | 2,278 |
| Core capital (leverage) ratio | 11.2482% | 2,227 |
| Tier 1 risk-based capital ratio | 16.4181% | 2,472 |
| Total risk-based capital ratio | 17.6993% | 2,411 |
| Memoranda: | ||
| Average total assets | $31,849,670 | 7,538 |
| Average earning assets | $29,426,000 | 7,505 |
| Average equity | $3,620,670 | 7,532 |
| Average total loans | $15,139,330 | 7,585 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 6,867 |
| Cost of funding earning assets | 1.4342% | 6,622 |
| Net interest margin | 3.5923% | 4,344 |
| Noninterest income to average assets | 0.6405% | 3,266 |
| Noninterest expense to average assets | 2.5620% | 5,601 |
| Loan and lease loss provision to assets | 0.0246% | 6,603 |
| Net operating income to assets | 1.3549% | 1,249 |
| Return on assets (ROA) | 1.3549% | 1,336 |
| Pretax return on assets | 1.3549% | 2,103 |
| Return on Equity (ROE) | 12.1732% | 1,610 |
| Retained earnings to average equity (ytd only) | -13.5012% | 7,353 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 5,504 |
| Assets per employee ($millions) | 4.6506% | 2,510 |
| Cash dividends to net income (ytd only)* | 210.9091% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 1,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.0381% | 7,565 |
| Net loans and leases to deposits | 45.2538% | 7,685 |
| Net loans and leases to core deposits | 66.6871% | 7,210 |
| Total domestic deposits to total assets | 88.4745% | 1,500 |
| Equity capital to assets | 11.1046% | 2,887 |
| Core capital (leverage) ratio | 10.9290% | 2,559 |
| Tier 1 risk-based capital ratio | 15.3994% | 2,892 |
| Total risk-based capital ratio | 16.5983% | 2,853 |
| Memoranda: | ||
| Average total assets | $32,474,500 | 7,547 |
| Average earning assets | $29,842,000 | 7,527 |
| Average equity | $3,614,500 | 7,586 |
| Average total loans | $13,902,500 | 7,697 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6382% | 2,300 |
| Cost of funding earning assets | 2.0460% | 6,255 |
| Net interest margin | 4.5922% | 1,203 |
| Noninterest income to average assets | 0.6465% | 3,498 |
| Noninterest expense to average assets | 2.7516% | 5,041 |
| Loan and lease loss provision to assets | 0.2255% | 4,632 |
| Net operating income to assets | 1.8945% | 436 |
| Return on assets (ROA) | 1.8945% | 427 |
| Pretax return on assets | 1.8945% | 774 |
| Return on Equity (ROE) | 18.7813% | 469 |
| Retained earnings to average equity (ytd only) | 7.6616% | 942 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4815% | 6,944 |
| Assets per employee ($millions) | 4.6279% | 2,435 |
| Cash dividends to net income (ytd only)* | 59.2063% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 1,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.9420% | 7,470 |
| Net loans and leases to deposits | 49.7345% | 7,636 |
| Net loans and leases to core deposits | 71.9048% | 7,083 |
| Total domestic deposits to total assets | 88.3531% | 1,312 |
| Equity capital to assets | 11.1560% | 2,912 |
| Core capital (leverage) ratio | 11.2971% | 2,372 |
| Tier 1 risk-based capital ratio | 17.2087% | 2,250 |
| Total risk-based capital ratio | 18.4547% | 2,204 |
| Memoranda: | ||
| Average total assets | $33,253,600 | 7,496 |
| Average earning assets | $30,595,600 | 7,485 |
| Average equity | $3,354,400 | 7,732 |
| Average total loans | $14,637,400 | 7,668 |