Home > NINNESCAH VALLEY BANK > Performance and Condition Ratios
NINNESCAH VALLEY 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 | 4.2934% | 3,450 |
| Cost of funding earning assets | 0.7669% | 3,816 |
| Net interest margin | 3.5265% | 2,129 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.6340% | 1,908 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8399% | 2,744 |
| Return on assets (ROA) | 0.8174% | 2,797 |
| Pretax return on assets | 0.8486% | 3,097 |
| Return on Equity (ROE) | 13.9700% | 1,491 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,785 |
| Net charge-offs to loans | -0.0197% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6873% | 1,381 |
| Assets per employee ($millions) | 6.3283% | 2,527 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,103 |
| 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 | 41.1800% | 3,992 |
| Net loans and leases to deposits | 45.6510% | 4,061 |
| Net loans and leases to core deposits | 48.2115% | 4,118 |
| Total domestic deposits to total assets | 90.2000% | 709 |
| Equity capital to assets | 6.9186% | 3,969 |
| Core capital (leverage) ratio | 13.1456% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $38,535,000 | 4,405 |
| Average earning assets | $37,033,800 | 4,364 |
| Average equity | $2,254,800 | 4,475 |
| Average total loans | $15,206,200 | 4,347 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 3,383 |
| Cost of funding earning assets | 0.7470% | 3,657 |
| Net interest margin | 3.4979% | 2,211 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.5855% | 1,983 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8503% | 2,858 |
| Return on assets (ROA) | 0.8205% | 2,953 |
| Pretax return on assets | 0.8515% | 3,211 |
| Return on Equity (ROE) | 14.6800% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.5953% | 1,049 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.9645% | 1,364 |
| Assets per employee ($millions) | 6.2588% | 2,517 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,785 |
| 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 | 38.4900% | 4,112 |
| Net loans and leases to deposits | 41.9187% | 4,163 |
| Net loans and leases to core deposits | 43.9051% | 4,173 |
| Total domestic deposits to total assets | 91.8200% | 491 |
| Equity capital to assets | 5.0009% | 4,251 |
| Core capital (leverage) ratio | 12.7949% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $38,676,250 | 4,418 |
| Average earning assets | $37,125,750 | 4,385 |
| Average equity | $2,161,750 | 4,501 |
| Average total loans | $15,050,250 | 4,371 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 3,381 |
| Cost of funding earning assets | 0.6647% | 3,592 |
| Net interest margin | 3.4934% | 2,280 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.6222% | 1,866 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8074% | 3,056 |
| Return on assets (ROA) | 0.7631% | 3,195 |
| Pretax return on assets | 0.7938% | 3,408 |
| Return on Equity (ROE) | 13.2100% | 1,859 |
| Retained earnings to average equity (ytd only) | 13.2073% | 776 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.8538% | 1,270 |
| Assets per employee ($millions) | 6.4553% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,282 |
| Loan loss allowance to noncurrent loans | 459.5238% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 2,786 |
| Noncurrent loans to loans | 0.2679% | 2,197 |
| Net loans and leases to total assets | 39.9900% | 4,040 |
| Net loans and leases to deposits | 47.0687% | 4,017 |
| Net loans and leases to core deposits | 49.4082% | 4,035 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 5.8246% | 4,198 |
| Core capital (leverage) ratio | 12.4530% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $39,050,667 | 4,439 |
| Average earning assets | $37,613,667 | 4,402 |
| Average equity | $2,256,333 | 4,524 |
| Average total loans | $15,184,667 | 4,392 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 3,304 |
| Cost of funding earning assets | 0.6229% | 3,314 |
| Net interest margin | 3.4525% | 2,488 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6932% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7299% | 3,398 |
| Return on assets (ROA) | 0.6427% | 3,565 |
| Pretax return on assets | 0.6733% | 3,713 |
| Return on Equity (ROE) | 11.1700% | 2,447 |
| Retained earnings to average equity (ytd only) | 11.1677% | 1,435 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.8761% | 1,015 |
| Assets per employee ($millions) | 5.5554% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,439 |
| Loan loss allowance to noncurrent loans | 177.8846% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 1,804 |
| Noncurrent loans to loans | 0.6867% | 1,102 |
| Net loans and leases to total assets | 38.4700% | 4,099 |
| Net loans and leases to deposits | 41.0161% | 4,196 |
| Net loans and leases to core deposits | 42.8465% | 4,204 |
| Total domestic deposits to total assets | 93.7800% | 194 |
| Equity capital to assets | 5.9504% | 4,221 |
| Core capital (leverage) ratio | 11.8134% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $39,210,000 | 4,505 |
| Average earning assets | $37,886,000 | 4,467 |
| Average equity | $2,256,500 | 4,589 |
| Average total loans | $14,937,000 | 4,457 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 3,105 |
| Cost of funding earning assets | 0.2346% | 3,467 |
| Net interest margin | 3.2552% | 2,690 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.4513% | 2,266 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8061% | 3,307 |
| Return on assets (ROA) | 0.7990% | 3,257 |
| Pretax return on assets | 0.8311% | 3,546 |
| Return on Equity (ROE) | 11.4000% | 2,344 |
| Retained earnings to average equity (ytd only) | 6.1083% | 2,604 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.0658% | 1,215 |
| Assets per employee ($millions) | 5.6474% | 3,087 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,115 |
| 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 | 36.7900% | 4,183 |
| Net loans and leases to deposits | 42.1045% | 4,171 |
| Net loans and leases to core deposits | 43.4322% | 4,196 |
| Total domestic deposits to total assets | 87.3800% | 2,277 |
| Equity capital to assets | 5.5626% | 4,226 |
| Core capital (leverage) ratio | 12.1452% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $40,427,400 | 4,524 |
| Average earning assets | $37,939,600 | 4,496 |
| Average equity | $2,832,200 | 4,625 |
| Average total loans | $13,590,400 | 4,507 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 2,896 |
| Cost of funding earning assets | 0.1901% | 3,395 |
| Net interest margin | 3.2181% | 2,571 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.3779% | 2,404 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8623% | 3,027 |
| Return on assets (ROA) | 0.8528% | 3,034 |
| Pretax return on assets | 0.8823% | 3,370 |
| Return on Equity (ROE) | 11.5900% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.3627% | 1,531 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.1393% | 1,497 |
| Assets per employee ($millions) | 5.5149% | 3,201 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 1,892 |
| 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 | 35.1800% | 4,264 |
| Net loans and leases to deposits | 37.1489% | 4,337 |
| Net loans and leases to core deposits | 38.2538% | 4,335 |
| Total domestic deposits to total assets | 94.7100% | 257 |
| Equity capital to assets | 4.6783% | 4,355 |
| Core capital (leverage) ratio | 11.6459% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $40,651,250 | 4,555 |
| Average earning assets | $37,868,750 | 4,531 |
| Average equity | $2,990,500 | 4,655 |
| Average total loans | $13,305,500 | 4,541 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2969% | 2,748 |
| Cost of funding earning assets | 0.1470% | 3,616 |
| Net interest margin | 3.1499% | 2,365 |
| Noninterest income to average assets | 0.1742% | 4,133 |
| Noninterest expense to average assets | 2.2839% | 2,596 |
| Loan and lease loss provision to assets | 0.0387% | 1,892 |
| Net operating income to assets | 0.7235% | 3,230 |
| Return on assets (ROA) | 0.7839% | 2,984 |
| Pretax return on assets | 0.8177% | 3,278 |
| Return on Equity (ROE) | 9.5707% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.5707% | 1,125 |
| Net charge-offs to loans | 0.0304% | 1,118 |
| Credit loss provision to net charge-offs | 400.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 916 |
| Efficiency ratio | 74.2138% | 1,485 |
| Assets per employee ($millions) | 5.6843% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,917 |
| Loan loss allowance to noncurrent loans | 103.4091% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 1,284 |
| Noncurrent loans to loans | 1.3173% | 596 |
| Net loans and leases to total assets | 33.1214% | 4,365 |
| Net loans and leases to deposits | 35.5200% | 4,405 |
| Net loans and leases to core deposits | 36.5596% | 4,417 |
| Total domestic deposits to total assets | 93.2470% | 452 |
| Equity capital to assets | 5.2903% | 4,420 |
| Core capital (leverage) ratio | 11.3540% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,333,667 | 4,594 |
| Average earning assets | $38,096,333 | 4,589 |
| Average equity | $3,385,333 | 4,668 |
| Average total loans | $13,152,333 | 4,607 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 2,751 |
| Cost of funding earning assets | 0.1351% | 3,700 |
| Net interest margin | 3.0441% | 2,350 |
| Noninterest income to average assets | 0.1425% | 4,299 |
| Noninterest expense to average assets | 2.2230% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6707% | 3,158 |
| Return on assets (ROA) | 0.7790% | 2,727 |
| Pretax return on assets | 0.8170% | 3,056 |
| Return on Equity (ROE) | 8.1481% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.1481% | 1,532 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9740% | 1,525 |
| Assets per employee ($millions) | 6.9230% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,267 |
| Loan loss allowance to noncurrent loans | 98.8764% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 1,418 |
| Noncurrent loans to loans | 1.3330% | 653 |
| Net loans and leases to total assets | 31.7228% | 4,393 |
| Net loans and leases to deposits | 35.8773% | 4,386 |
| Net loans and leases to core deposits | 36.9383% | 4,401 |
| Total domestic deposits to total assets | 88.4202% | 2,328 |
| Equity capital to assets | 8.2431% | 3,371 |
| Core capital (leverage) ratio | 11.0717% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,105,500 | 4,613 |
| Average earning assets | $38,500,500 | 4,607 |
| Average equity | $4,025,500 | 4,652 |
| Average total loans | $13,048,000 | 4,632 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 2,569 |
| Cost of funding earning assets | 0.1626% | 3,843 |
| Net interest margin | 3.3692% | 2,115 |
| Noninterest income to average assets | 0.1834% | 4,236 |
| Noninterest expense to average assets | 2.3266% | 2,723 |
| Loan and lease loss provision to assets | 0.0050% | 2,980 |
| Net operating income to assets | 0.9409% | 2,902 |
| Return on assets (ROA) | 1.1407% | 2,193 |
| Pretax return on assets | 1.1809% | 2,729 |
| Return on Equity (ROE) | 9.4528% | 2,736 |
| Retained earnings to average equity (ytd only) | 5.8091% | 2,439 |
| Net charge-offs to loans | 0.0344% | 1,548 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 893 |
| Efficiency ratio | 70.3647% | 1,698 |
| Assets per employee ($millions) | 6.0961% | 2,669 |
| Cash dividends to net income (ytd only)* | 38.5463% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 1,996 |
| Loan loss allowance to noncurrent loans | 111.3924% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 1,740 |
| Noncurrent loans to loans | 1.2399% | 777 |
| Net loans and leases to total assets | 29.4495% | 4,529 |
| Net loans and leases to deposits | 34.3793% | 4,519 |
| Net loans and leases to core deposits | 35.3990% | 4,529 |
| Total domestic deposits to total assets | 85.6607% | 3,031 |
| Equity capital to assets | 10.8429% | 1,909 |
| Core capital (leverage) ratio | 11.0108% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,800,000 | 4,666 |
| Average earning assets | $36,892,800 | 4,649 |
| Average equity | $4,802,800 | 4,647 |
| Average total loans | $11,640,600 | 4,702 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 2,373 |
| Cost of funding earning assets | 0.1710% | 3,911 |
| Net interest margin | 3.4901% | 1,889 |
| Noninterest income to average assets | 0.1945% | 4,228 |
| Noninterest expense to average assets | 2.3403% | 2,632 |
| Loan and lease loss provision to assets | 0.0077% | 2,828 |
| Net operating income to assets | 1.0806% | 2,625 |
| Return on assets (ROA) | 1.3851% | 1,651 |
| Pretax return on assets | 1.4329% | 2,203 |
| Return on Equity (ROE) | 11.1687% | 2,324 |
| Retained earnings to average equity (ytd only) | 9.1055% | 1,656 |
| Net charge-offs to loans | 0.0469% | 1,190 |
| Credit loss provision to net charge-offs | 50.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 967 |
| Efficiency ratio | 67.5197% | 1,896 |
| Assets per employee ($millions) | 5.8664% | 2,823 |
| Cash dividends to net income (ytd only)* | 18.4729% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 28.1773% | 4,643 |
| Net loans and leases to deposits | 34.1106% | 4,619 |
| Net loans and leases to core deposits | 35.2034% | 4,626 |
| Total domestic deposits to total assets | 82.6056% | 3,799 |
| Equity capital to assets | 11.9128% | 1,438 |
| Core capital (leverage) ratio | 11.1166% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,081,750 | 4,740 |
| Average earning assets | $36,635,750 | 4,722 |
| Average equity | $4,846,750 | 4,716 |
| Average total loans | $11,365,000 | 4,780 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 1,499 |
| Cost of funding earning assets | 0.1718% | 4,024 |
| Net interest margin | 3.8578% | 1,050 |
| Noninterest income to average assets | 0.1926% | 4,235 |
| Noninterest expense to average assets | 2.3581% | 2,590 |
| Loan and lease loss provision to assets | 0.0104% | 2,726 |
| Net operating income to assets | 1.3868% | 1,595 |
| Return on assets (ROA) | 1.8115% | 732 |
| Pretax return on assets | 1.8896% | 1,043 |
| Return on Equity (ROE) | 14.4050% | 1,307 |
| Retained earnings to average equity (ytd only) | 14.4050% | 497 |
| Net charge-offs to loans | 0.0712% | 919 |
| Credit loss provision to net charge-offs | 50.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 899 |
| Efficiency ratio | 61.8008% | 2,758 |
| Assets per employee ($millions) | 5.8501% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.0982% | 4,679 |
| Net loans and leases to deposits | 33.1248% | 4,704 |
| Net loans and leases to core deposits | 34.1227% | 4,708 |
| Total domestic deposits to total assets | 87.8440% | 1,917 |
| Equity capital to assets | 11.9191% | 1,406 |
| Core capital (leverage) ratio | 11.5443% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,420,667 | 4,780 |
| Average earning assets | $36,082,333 | 4,754 |
| Average equity | $4,831,667 | 4,743 |
| Average total loans | $11,237,667 | 4,818 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 685 |
| Cost of funding earning assets | 0.1836% | 4,055 |
| Net interest margin | 4.4054% | 423 |
| Noninterest income to average assets | 0.1507% | 4,446 |
| Noninterest expense to average assets | 2.4653% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7548% | 850 |
| Return on assets (ROA) | 1.7548% | 905 |
| Pretax return on assets | 1.8194% | 1,255 |
| Return on Equity (ROE) | 13.5636% | 1,524 |
| Retained earnings to average equity (ytd only) | 13.5636% | 805 |
| Net charge-offs to loans | 0.1110% | 631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 851 |
| Efficiency ratio | 57.5377% | 3,366 |
| Assets per employee ($millions) | 5.6163% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 28.6463% | 4,733 |
| Net loans and leases to deposits | 32.6359% | 4,752 |
| Net loans and leases to core deposits | 33.6621% | 4,764 |
| Total domestic deposits to total assets | 87.7753% | 1,967 |
| Equity capital to assets | 12.0619% | 1,254 |
| Core capital (leverage) ratio | 11.5131% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,155,500 | 4,812 |
| Average earning assets | $34,866,000 | 4,787 |
| Average equity | $4,807,000 | 4,763 |
| Average total loans | $10,810,500 | 4,849 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,195 |
| Cost of funding earning assets | 0.3116% | 4,076 |
| Net interest margin | 3.5261% | 2,388 |
| Noninterest income to average assets | 0.2607% | 3,917 |
| Noninterest expense to average assets | 2.6927% | 2,258 |
| Loan and lease loss provision to assets | 0.0444% | 3,846 |
| Net operating income to assets | 0.7752% | 3,182 |
| Return on assets (ROA) | 0.9657% | 2,563 |
| Pretax return on assets | 1.0072% | 3,023 |
| Return on Equity (ROE) | 7.1435% | 3,150 |
| Retained earnings to average equity (ytd only) | 3.3088% | 3,174 |
| Net charge-offs to loans | 0.0728% | 1,757 |
| Credit loss provision to net charge-offs | 187.5000% | 2,224 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,467 |
| Efficiency ratio | 75.9398% | 1,236 |
| Assets per employee ($millions) | 4.9996% | 3,393 |
| Cash dividends to net income (ytd only)* | 53.6810% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 951 |
| Loan loss allowance to noncurrent loans | 574.1935% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,882 |
| Noncurrent loans to loans | 0.3044% | 3,109 |
| Net loans and leases to total assets | 28.5910% | 4,788 |
| Net loans and leases to deposits | 34.3849% | 4,773 |
| Net loans and leases to core deposits | 35.3569% | 4,788 |
| Total domestic deposits to total assets | 83.1500% | 3,364 |
| Equity capital to assets | 13.9212% | 816 |
| Core capital (leverage) ratio | 11.8130% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,757,400 | 4,843 |
| Average earning assets | $31,451,600 | 4,827 |
| Average equity | $4,563,600 | 4,797 |
| Average total loans | $10,993,400 | 4,879 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 2,905 |
| Cost of funding earning assets | 0.3339% | 4,129 |
| Net interest margin | 3.6898% | 1,978 |
| Noninterest income to average assets | 0.2272% | 4,135 |
| Noninterest expense to average assets | 2.7266% | 2,181 |
| Loan and lease loss provision to assets | 0.0448% | 3,795 |
| Net operating income to assets | 0.8606% | 2,860 |
| Return on assets (ROA) | 1.0404% | 2,309 |
| Pretax return on assets | 1.0803% | 2,807 |
| Return on Equity (ROE) | 7.7564% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.9733% | 2,118 |
| Net charge-offs to loans | 0.0953% | 1,354 |
| Credit loss provision to net charge-offs | 137.5000% | 2,402 |
| Earnings coverage of net charge-offs (x) | 29.3750% | 1,606 |
| Efficiency ratio | 74.4287% | 1,370 |
| Assets per employee ($millions) | 4.9027% | 3,374 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,371 |
| Loan loss allowance to noncurrent loans | 252.1739% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 3,433 |
| Noncurrent loans to loans | 0.5964% | 2,308 |
| Net loans and leases to total assets | 33.2032% | 4,762 |
| Net loans and leases to deposits | 39.9670% | 4,750 |
| Net loans and leases to core deposits | 41.7353% | 4,754 |
| Total domestic deposits to total assets | 83.0764% | 3,129 |
| Equity capital to assets | 14.3128% | 782 |
| Core capital (leverage) ratio | 12.3099% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,447,500 | 4,872 |
| Average earning assets | $31,147,750 | 4,860 |
| Average equity | $4,486,500 | 4,830 |
| Average total loans | $11,195,750 | 4,905 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 2,686 |
| Cost of funding earning assets | 0.3437% | 4,298 |
| Net interest margin | 3.8782% | 1,625 |
| Noninterest income to average assets | 0.2352% | 4,070 |
| Noninterest expense to average assets | 2.7506% | 2,212 |
| Loan and lease loss provision to assets | 0.0664% | 3,466 |
| Net operating income to assets | 0.9892% | 2,367 |
| Return on assets (ROA) | 0.9892% | 2,497 |
| Pretax return on assets | 1.0254% | 2,948 |
| Return on Equity (ROE) | 7.5495% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.5495% | 1,445 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5856% | 1,749 |
| Assets per employee ($millions) | 4.9277% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,094 |
| Loan loss allowance to noncurrent loans | 1,508.3333% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,373 |
| Noncurrent loans to loans | 0.1037% | 4,036 |
| Net loans and leases to total assets | 33.0260% | 4,802 |
| Net loans and leases to deposits | 38.5751% | 4,820 |
| Net loans and leases to core deposits | 40.8696% | 4,812 |
| Total domestic deposits to total assets | 85.6149% | 2,156 |
| Equity capital to assets | 14.0517% | 843 |
| Core capital (leverage) ratio | 12.5152% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,157,000 | 4,903 |
| Average earning assets | $30,838,667 | 4,891 |
| Average equity | $4,344,667 | 4,866 |
| Average total loans | $11,071,333 | 4,941 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 3,920 |
| Cost of funding earning assets | 0.3833% | 4,416 |
| Net interest margin | 3.5682% | 2,776 |
| Noninterest income to average assets | 0.2462% | 4,081 |
| Noninterest expense to average assets | 2.7333% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8372% | 2,758 |
| Return on assets (ROA) | 0.8372% | 2,850 |
| Pretax return on assets | 0.8372% | 3,316 |
| Return on Equity (ROE) | 6.6447% | 3,087 |
| Retained earnings to average equity (ytd only) | 6.6447% | 1,666 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5517% | 1,505 |
| Assets per employee ($millions) | 4.7107% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 1,087 |
| Loan loss allowance to noncurrent loans | 79.4393% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 2,051 |
| Noncurrent loans to loans | 2.0054% | 705 |
| Net loans and leases to total assets | 31.8453% | 4,866 |
| Net loans and leases to deposits | 36.2579% | 4,905 |
| Net loans and leases to core deposits | 41.0869% | 4,859 |
| Total domestic deposits to total assets | 87.8302% | 1,171 |
| Equity capital to assets | 11.9697% | 2,092 |
| Core capital (leverage) ratio | 12.2486% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,488,500 | 4,947 |
| Average earning assets | $30,267,000 | 4,933 |
| Average equity | $4,093,500 | 4,931 |
| Average total loans | $10,820,500 | 4,986 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 3,613 |
| Cost of funding earning assets | 0.3435% | 4,616 |
| Net interest margin | 3.9295% | 2,073 |
| Noninterest income to average assets | 0.3312% | 3,722 |
| Noninterest expense to average assets | 2.7486% | 2,757 |
| Loan and lease loss provision to assets | 0.1051% | 1,969 |
| Net operating income to assets | 1.0745% | 2,555 |
| Return on assets (ROA) | 1.1020% | 2,535 |
| Pretax return on assets | 1.1498% | 3,011 |
| Return on Equity (ROE) | 8.6721% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.2859% | 2,814 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1506% | 2,295 |
| Assets per employee ($millions) | 5.3337% | 2,214 |
| Cash dividends to net income (ytd only)* | 50.5780% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,084 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,145 |
| Noncurrent loans to loans | 0.9298% | 1,646 |
| Net loans and leases to total assets | 33.7479% | 4,904 |
| Net loans and leases to deposits | 38.9681% | 4,922 |
| Net loans and leases to core deposits | 40.7378% | 4,934 |
| Total domestic deposits to total assets | 86.6040% | 1,802 |
| Equity capital to assets | 13.2492% | 1,393 |
| Core capital (leverage) ratio | 11.8515% | 1,868 |
| Tier 1 risk-based capital ratio | 21.8601% | 1,044 |
| Total risk-based capital ratio | 22.7897% | 1,056 |
| Memoranda: | ||
| Average total assets | $31,398,000 | 5,011 |
| Average earning assets | $29,113,000 | 4,996 |
| Average equity | $3,989,800 | 4,993 |
| Average total loans | $11,753,400 | 5,034 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 3,709 |
| Cost of funding earning assets | 0.3546% | 4,639 |
| Net interest margin | 3.9288% | 2,164 |
| Noninterest income to average assets | 0.3499% | 3,636 |
| Noninterest expense to average assets | 2.7479% | 2,719 |
| Loan and lease loss provision to assets | 0.1408% | 1,372 |
| Net operating income to assets | 1.0512% | 2,783 |
| Return on assets (ROA) | 1.0881% | 2,711 |
| Pretax return on assets | 1.1393% | 3,172 |
| Return on Equity (ROE) | 8.6572% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.9598% | 1,878 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8770% | 2,277 |
| Assets per employee ($millions) | 6.2452% | 1,429 |
| Cash dividends to net income (ytd only)* | 19.6094% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 1,720 |
| Loan loss allowance to noncurrent loans | 69.6721% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 1,760 |
| Noncurrent loans to loans | 1.9533% | 696 |
| Net loans and leases to total assets | 39.4607% | 4,831 |
| Net loans and leases to deposits | 47.8376% | 4,824 |
| Net loans and leases to core deposits | 50.1751% | 4,829 |
| Total domestic deposits to total assets | 82.4890% | 3,321 |
| Equity capital to assets | 13.6777% | 1,282 |
| Core capital (leverage) ratio | 12.8334% | 1,414 |
| Tier 1 risk-based capital ratio | 20.3647% | 1,310 |
| Total risk-based capital ratio | 21.2233% | 1,335 |
| Memoranda: | ||
| Average total assets | $31,247,000 | 5,088 |
| Average earning assets | $28,947,500 | 5,076 |
| Average equity | $3,927,250 | 5,069 |
| Average total loans | $11,949,250 | 5,109 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 3,807 |
| Cost of funding earning assets | 0.3516% | 4,673 |
| Net interest margin | 3.8947% | 2,253 |
| Noninterest income to average assets | 0.3776% | 3,420 |
| Noninterest expense to average assets | 2.7964% | 2,599 |
| Loan and lease loss provision to assets | 0.0192% | 3,406 |
| Net operating income to assets | 1.1392% | 2,373 |
| Return on assets (ROA) | 1.1455% | 2,418 |
| Pretax return on assets | 1.1838% | 2,958 |
| Return on Equity (ROE) | 9.3897% | 2,685 |
| Retained earnings to average equity (ytd only) | 9.3897% | 936 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0321% | 2,221 |
| Assets per employee ($millions) | 5.2837% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,893 |
| Loan loss allowance to noncurrent loans | 73.2984% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 2,216 |
| Noncurrent loans to loans | 1.5438% | 992 |
| Net loans and leases to total assets | 38.5843% | 4,890 |
| Net loans and leases to deposits | 44.9838% | 4,928 |
| Net loans and leases to core deposits | 47.0606% | 4,930 |
| Total domestic deposits to total assets | 85.7738% | 2,144 |
| Equity capital to assets | 13.1285% | 1,530 |
| Core capital (leverage) ratio | 12.7551% | 1,421 |
| Tier 1 risk-based capital ratio | 20.4044% | 1,271 |
| Total risk-based capital ratio | 21.1175% | 1,344 |
| Memoranda: | ||
| Average total assets | $31,254,000 | 5,132 |
| Average earning assets | $29,013,670 | 5,118 |
| Average equity | $3,812,670 | 5,120 |
| Average total loans | $11,768,330 | 5,156 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,984 |
| Cost of funding earning assets | 0.3197% | 4,781 |
| Net interest margin | 3.8367% | 2,388 |
| Noninterest income to average assets | 0.2961% | 3,896 |
| Noninterest expense to average assets | 2.8709% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9527% | 3,040 |
| Return on assets (ROA) | 0.9527% | 3,083 |
| Pretax return on assets | 0.9784% | 3,516 |
| Return on Equity (ROE) | 8.0468% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.0468% | 1,640 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5819% | 1,669 |
| Assets per employee ($millions) | 5.1745% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,603 |
| Loan loss allowance to noncurrent loans | 55.0201% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 1,765 |
| Noncurrent loans to loans | 2.1737% | 656 |
| Net loans and leases to total assets | 36.4544% | 5,004 |
| Net loans and leases to deposits | 42.7578% | 5,017 |
| Net loans and leases to core deposits | 44.0904% | 5,039 |
| Total domestic deposits to total assets | 85.2578% | 2,576 |
| Equity capital to assets | 12.2814% | 1,854 |
| Core capital (leverage) ratio | 12.8386% | 1,346 |
| Tier 1 risk-based capital ratio | 23.8176% | 856 |
| Total risk-based capital ratio | 24.6451% | 874 |
| Memoranda: | ||
| Average total assets | $31,070,500 | 5,187 |
| Average earning assets | $28,775,000 | 5,175 |
| Average equity | $3,678,500 | 5,181 |
| Average total loans | $11,466,500 | 5,219 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,908 |
| Cost of funding earning assets | 0.2306% | 4,887 |
| Net interest margin | 3.8140% | 2,617 |
| Noninterest income to average assets | 0.3467% | 3,793 |
| Noninterest expense to average assets | 2.8098% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0203% | 2,927 |
| Return on assets (ROA) | 1.0107% | 2,942 |
| Pretax return on assets | 1.0435% | 3,462 |
| Return on Equity (ROE) | 8.8135% | 3,087 |
| Retained earnings to average equity (ytd only) | 3.8220% | 3,475 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7350% | 1,805 |
| Assets per employee ($millions) | 5.1823% | 2,286 |
| Cash dividends to net income (ytd only)* | 56.6343% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,603 |
| Loan loss allowance to noncurrent loans | 80.5882% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 2,412 |
| Noncurrent loans to loans | 1.4811% | 1,033 |
| Net loans and leases to total assets | 36.4733% | 5,057 |
| Net loans and leases to deposits | 43.6411% | 5,035 |
| Net loans and leases to core deposits | 45.0272% | 5,060 |
| Total domestic deposits to total assets | 83.5756% | 3,134 |
| Equity capital to assets | 11.3977% | 2,333 |
| Core capital (leverage) ratio | 12.9627% | 1,267 |
| Tier 1 risk-based capital ratio | 23.0724% | 915 |
| Total risk-based capital ratio | 23.8862% | 929 |
| Memoranda: | ||
| Average total assets | $30,571,600 | 5,233 |
| Average earning assets | $28,185,600 | 5,220 |
| Average equity | $3,506,000 | 5,237 |
| Average total loans | $10,820,800 | 5,271 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,882 |
| Cost of funding earning assets | 0.2235% | 4,925 |
| Net interest margin | 3.7900% | 2,687 |
| Noninterest income to average assets | 0.3460% | 3,830 |
| Noninterest expense to average assets | 2.8514% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9499% | 3,304 |
| Return on assets (ROA) | 0.9373% | 3,364 |
| Pretax return on assets | 0.9724% | 3,810 |
| Return on Equity (ROE) | 8.1604% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.2537% | 2,517 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3151% | 1,544 |
| Assets per employee ($millions) | 4.9713% | 2,504 |
| Cash dividends to net income (ytd only)* | 23.3659% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,733 |
| Loan loss allowance to noncurrent loans | 61.7117% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 1,996 |
| Noncurrent loans to loans | 1.9145% | 786 |
| Net loans and leases to total assets | 38.4169% | 5,072 |
| Net loans and leases to deposits | 44.2313% | 5,106 |
| Net loans and leases to core deposits | 45.6407% | 5,119 |
| Total domestic deposits to total assets | 86.8546% | 1,795 |
| Equity capital to assets | 11.3886% | 2,339 |
| Core capital (leverage) ratio | 12.9277% | 1,312 |
| Tier 1 risk-based capital ratio | 24.2278% | 819 |
| Total risk-based capital ratio | 25.0741% | 841 |
| Memoranda: | ||
| Average total assets | $30,441,000 | 5,301 |
| Average earning assets | $28,037,750 | 5,292 |
| Average equity | $3,496,500 | 5,307 |
| Average total loans | $10,656,500 | 5,340 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 4,145 |
| Cost of funding earning assets | 0.2058% | 5,001 |
| Net interest margin | 3.6681% | 3,051 |
| Noninterest income to average assets | 0.3589% | 3,752 |
| Noninterest expense to average assets | 2.8585% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8542% | 3,655 |
| Return on assets (ROA) | 0.8158% | 3,812 |
| Pretax return on assets | 0.8354% | 4,150 |
| Return on Equity (ROE) | 7.0828% | 3,878 |
| Retained earnings to average equity (ytd only) | 7.0828% | 2,037 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5734% | 1,361 |
| Assets per employee ($millions) | 5.1255% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,070 |
| Loan loss allowance to noncurrent loans | 58.5470% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 1,960 |
| Noncurrent loans to loans | 2.2563% | 606 |
| Net loans and leases to total assets | 33.2781% | 5,261 |
| Net loans and leases to deposits | 38.2222% | 5,282 |
| Net loans and leases to core deposits | 38.6553% | 5,310 |
| Total domestic deposits to total assets | 87.0647% | 1,814 |
| Equity capital to assets | 11.3257% | 2,341 |
| Core capital (leverage) ratio | 12.6464% | 1,368 |
| Tier 1 risk-based capital ratio | 23.5037% | 886 |
| Total risk-based capital ratio | 24.3345% | 912 |
| Memoranda: | ||
| Average total assets | $30,645,330 | 5,361 |
| Average earning assets | $28,189,330 | 5,351 |
| Average equity | $3,529,670 | 5,364 |
| Average total loans | $10,343,330 | 5,407 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,274 |
| Cost of funding earning assets | 0.2116% | 4,945 |
| Net interest margin | 3.5693% | 3,286 |
| Noninterest income to average assets | 0.3007% | 4,149 |
| Noninterest expense to average assets | 2.8635% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7014% | 4,092 |
| Return on assets (ROA) | 0.6276% | 4,356 |
| Pretax return on assets | 0.6669% | 4,526 |
| Return on Equity (ROE) | 5.4039% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.4039% | 2,993 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3478% | 1,215 |
| Assets per employee ($millions) | 5.0577% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,132 |
| Loan loss allowance to noncurrent loans | 60.6195% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 2,088 |
| Noncurrent loans to loans | 2.1832% | 690 |
| Net loans and leases to total assets | 33.6618% | 5,280 |
| Net loans and leases to deposits | 38.8285% | 5,297 |
| Net loans and leases to core deposits | 39.2764% | 5,321 |
| Total domestic deposits to total assets | 86.6935% | 2,241 |
| Equity capital to assets | 11.3590% | 2,251 |
| Core capital (leverage) ratio | 12.4893% | 1,396 |
| Tier 1 risk-based capital ratio | 23.9972% | 841 |
| Total risk-based capital ratio | 24.8626% | 862 |
| Memoranda: | ||
| Average total assets | $30,591,500 | 5,426 |
| Average earning assets | $28,353,000 | 5,408 |
| Average equity | $3,553,000 | 5,415 |
| Average total loans | $10,329,500 | 5,469 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,541 |
| Cost of funding earning assets | 0.1868% | 5,050 |
| Net interest margin | 3.7709% | 2,534 |
| Noninterest income to average assets | 0.3603% | 3,890 |
| Noninterest expense to average assets | 2.8061% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9950% | 2,270 |
| Return on assets (ROA) | 0.9981% | 2,286 |
| Pretax return on assets | 1.0331% | 3,446 |
| Return on Equity (ROE) | 8.4769% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.8187% | 2,930 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1505% | 2,036 |
| Assets per employee ($millions) | 5.1395% | 2,325 |
| Cash dividends to net income (ytd only)* | 54.9521% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 2,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 32.9799% | 5,369 |
| Net loans and leases to deposits | 38.7355% | 5,373 |
| Net loans and leases to core deposits | 39.1832% | 5,399 |
| Total domestic deposits to total assets | 85.1412% | 2,781 |
| Equity capital to assets | 11.8656% | 1,930 |
| Core capital (leverage) ratio | 11.5782% | 1,885 |
| Tier 1 risk-based capital ratio | 22.6833% | 945 |
| Total risk-based capital ratio | 23.5499% | 960 |
| Memoranda: | ||
| Average total assets | $31,360,800 | 5,473 |
| Average earning assets | $28,905,600 | 5,458 |
| Average equity | $3,692,400 | 5,460 |
| Average total loans | $11,095,400 | 5,517 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,436 |
| Cost of funding earning assets | 0.1931% | 5,031 |
| Net interest margin | 3.7839% | 2,462 |
| Noninterest income to average assets | 0.3641% | 3,920 |
| Noninterest expense to average assets | 2.8282% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9824% | 2,628 |
| Return on assets (ROA) | 0.9865% | 2,671 |
| Pretax return on assets | 1.0246% | 3,589 |
| Return on Equity (ROE) | 8.3945% | 2,932 |
| Retained earnings to average equity (ytd only) | 6.5930% | 1,911 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4873% | 1,975 |
| Assets per employee ($millions) | 5.0440% | 2,399 |
| Cash dividends to net income (ytd only)* | 21.4608% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,507 |
| Loan loss allowance to noncurrent loans | 210.7692% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 4,218 |
| Noncurrent loans to loans | 0.6035% | 2,897 |
| Net loans and leases to total assets | 35.1375% | 5,380 |
| Net loans and leases to deposits | 40.5305% | 5,408 |
| Net loans and leases to core deposits | 40.9993% | 5,441 |
| Total domestic deposits to total assets | 86.6938% | 1,997 |
| Equity capital to assets | 12.6883% | 1,552 |
| Core capital (leverage) ratio | 11.9440% | 1,725 |
| Tier 1 risk-based capital ratio | 23.5595% | 890 |
| Total risk-based capital ratio | 24.4201% | 913 |
| Memoranda: | ||
| Average total assets | $31,491,750 | 5,531 |
| Average earning assets | $28,999,750 | 5,513 |
| Average equity | $3,700,750 | 5,517 |
| Average total loans | $11,292,500 | 5,576 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,259 |
| Cost of funding earning assets | 0.1975% | 5,008 |
| Net interest margin | 3.7874% | 2,333 |
| Noninterest income to average assets | 0.4012% | 3,683 |
| Noninterest expense to average assets | 2.7836% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0656% | 2,140 |
| Return on assets (ROA) | 1.0595% | 2,207 |
| Pretax return on assets | 1.0971% | 3,192 |
| Return on Equity (ROE) | 9.2493% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.2493% | 773 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6129% | 2,413 |
| Assets per employee ($millions) | 5.2785% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,578 |
| Loan loss allowance to noncurrent loans | 186.4865% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,217 |
| Noncurrent loans to loans | 0.6801% | 2,715 |
| Net loans and leases to total assets | 33.9175% | 5,450 |
| Net loans and leases to deposits | 39.3062% | 5,471 |
| Net loans and leases to core deposits | 39.7425% | 5,508 |
| Total domestic deposits to total assets | 86.2903% | 2,245 |
| Equity capital to assets | 12.2036% | 1,786 |
| Core capital (leverage) ratio | 11.8900% | 1,700 |
| Tier 1 risk-based capital ratio | 22.4049% | 1,002 |
| Total risk-based capital ratio | 23.2267% | 1,035 |
| Memoranda: | ||
| Average total assets | $31,901,000 | 5,573 |
| Average earning assets | $29,360,670 | 5,553 |
| Average equity | $3,654,330 | 5,567 |
| Average total loans | $11,466,330 | 5,620 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 2,802 |
| Cost of funding earning assets | 0.1753% | 5,195 |
| Net interest margin | 3.8841% | 1,834 |
| Noninterest income to average assets | 0.3248% | 4,219 |
| Noninterest expense to average assets | 2.7861% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0995% | 1,874 |
| Return on assets (ROA) | 1.0995% | 1,915 |
| Pretax return on assets | 1.1369% | 2,835 |
| Return on Equity (ROE) | 9.9183% | 1,998 |
| Retained earnings to average equity (ytd only) | 9.9183% | 828 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0191% | 2,732 |
| Assets per employee ($millions) | 5.3202% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 3,154 |
| Loan loss allowance to noncurrent loans | 1,263.6364% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,172 |
| Noncurrent loans to loans | 0.0947% | 4,810 |
| Net loans and leases to total assets | 35.9575% | 5,399 |
| Net loans and leases to deposits | 40.6560% | 5,450 |
| Net loans and leases to core deposits | 41.0927% | 5,490 |
| Total domestic deposits to total assets | 88.4433% | 1,463 |
| Equity capital to assets | 11.4000% | 2,258 |
| Core capital (leverage) ratio | 11.5297% | 1,921 |
| Tier 1 risk-based capital ratio | 22.1077% | 1,074 |
| Total risk-based capital ratio | 22.9289% | 1,100 |
| Memoranda: | ||
| Average total assets | $32,016,000 | 5,640 |
| Average earning assets | $29,659,500 | 5,614 |
| Average equity | $3,549,000 | 5,639 |
| Average total loans | $11,759,500 | 5,677 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 2,898 |
| Cost of funding earning assets | 0.1899% | 5,107 |
| Net interest margin | 3.8996% | 1,972 |
| Noninterest income to average assets | 0.3495% | 4,230 |
| Noninterest expense to average assets | 2.7170% | 3,292 |
| Loan and lease loss provision to assets | 0.0529% | 3,331 |
| Net operating income to assets | 1.1416% | 1,724 |
| Return on assets (ROA) | 1.1779% | 1,676 |
| Pretax return on assets | 1.2366% | 2,525 |
| Return on Equity (ROE) | 10.6287% | 1,719 |
| Retained earnings to average equity (ytd only) | 4.6650% | 2,573 |
| Net charge-offs to loans | -0.0150% | 5,050 |
| Credit loss provision to net charge-offs | -900.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4678% | 3,165 |
| Assets per employee ($millions) | 5.3518% | 2,001 |
| Cash dividends to net income (ytd only)* | 56.1097% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,373 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,550 |
| Noncurrent loans to loans | 1.1595% | 1,769 |
| Net loans and leases to total assets | 36.6354% | 5,463 |
| Net loans and leases to deposits | 42.1649% | 5,487 |
| Net loans and leases to core deposits | 42.6232% | 5,534 |
| Total domestic deposits to total assets | 86.8861% | 2,206 |
| Equity capital to assets | 10.7720% | 2,842 |
| Core capital (leverage) ratio | 10.9275% | 2,412 |
| Tier 1 risk-based capital ratio | 21.1044% | 1,191 |
| Total risk-based capital ratio | 21.9067% | 1,234 |
| Memoranda: | ||
| Average total assets | $34,044,800 | 5,649 |
| Average earning assets | $31,593,000 | 5,636 |
| Average equity | $3,772,800 | 5,668 |
| Average total loans | $13,376,400 | 5,702 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 2,800 |
| Cost of funding earning assets | 0.1912% | 5,166 |
| Net interest margin | 3.9290% | 1,882 |
| Noninterest income to average assets | 0.3552% | 4,246 |
| Noninterest expense to average assets | 2.6567% | 3,475 |
| Loan and lease loss provision to assets | 0.0695% | 2,828 |
| Net operating income to assets | 1.2221% | 1,552 |
| Return on assets (ROA) | 1.2666% | 1,490 |
| Pretax return on assets | 1.3245% | 2,335 |
| Return on Equity (ROE) | 11.3553% | 1,536 |
| Retained earnings to average equity (ytd only) | 8.7587% | 893 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3452% | 3,532 |
| Assets per employee ($millions) | 5.5497% | 1,805 |
| Cash dividends to net income (ytd only)* | 22.8666% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 4,280 |
| Loan loss allowance to noncurrent loans | 380.5556% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,993 |
| Noncurrent loans to loans | 0.2688% | 4,300 |
| Net loans and leases to total assets | 39.8132% | 5,387 |
| Net loans and leases to deposits | 45.8720% | 5,458 |
| Net loans and leases to core deposits | 46.3531% | 5,501 |
| Total domestic deposits to total assets | 86.7920% | 1,990 |
| Equity capital to assets | 12.0788% | 2,059 |
| Core capital (leverage) ratio | 10.8916% | 2,577 |
| Tier 1 risk-based capital ratio | 20.2895% | 1,389 |
| Total risk-based capital ratio | 21.0377% | 1,448 |
| Memoranda: | ||
| Average total assets | $34,528,250 | 5,699 |
| Average earning assets | $32,068,750 | 5,684 |
| Average equity | $3,851,250 | 5,719 |
| Average total loans | $13,745,000 | 5,753 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,765 |
| Cost of funding earning assets | 0.1976% | 5,172 |
| Net interest margin | 3.9269% | 1,891 |
| Noninterest income to average assets | 0.3492% | 4,282 |
| Noninterest expense to average assets | 2.6676% | 3,491 |
| Loan and lease loss provision to assets | 0.0458% | 3,231 |
| Net operating income to assets | 1.2252% | 1,517 |
| Return on assets (ROA) | 1.2307% | 1,593 |
| Pretax return on assets | 1.2823% | 2,477 |
| Return on Equity (ROE) | 11.3327% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.3327% | 398 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8580% | 3,559 |
| Assets per employee ($millions) | 5.9182% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 4,929 |
| Loan loss allowance to noncurrent loans | 4,233.3333% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,594 |
| Noncurrent loans to loans | 0.0215% | 5,388 |
| Net loans and leases to total assets | 39.0070% | 5,468 |
| Net loans and leases to deposits | 45.5655% | 5,509 |
| Net loans and leases to core deposits | 46.0197% | 5,564 |
| Total domestic deposits to total assets | 85.6065% | 2,605 |
| Equity capital to assets | 11.4591% | 2,586 |
| Core capital (leverage) ratio | 10.2248% | 3,305 |
| Tier 1 risk-based capital ratio | 18.4660% | 1,806 |
| Total risk-based capital ratio | 19.1137% | 1,930 |
| Memoranda: | ||
| Average total assets | $34,938,330 | 5,767 |
| Average earning assets | $32,391,670 | 5,747 |
| Average equity | $3,794,330 | 5,795 |
| Average total loans | $13,862,000 | 5,822 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 2,962 |
| Cost of funding earning assets | 0.1862% | 5,315 |
| Net interest margin | 3.8854% | 1,980 |
| Noninterest income to average assets | 0.2886% | 4,664 |
| Noninterest expense to average assets | 2.8396% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0277% | 2,167 |
| Return on assets (ROA) | 1.0389% | 2,247 |
| Pretax return on assets | 1.0735% | 3,192 |
| Return on Equity (ROE) | 9.8441% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.8441% | 884 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7811% | 2,684 |
| Assets per employee ($millions) | 5.8125% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 5,254 |
| Loan loss allowance to noncurrent loans | 201.6949% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 4,891 |
| Noncurrent loans to loans | 0.4170% | 3,946 |
| Net loans and leases to total assets | 40.2237% | 5,445 |
| Net loans and leases to deposits | 45.6373% | 5,528 |
| Net loans and leases to core deposits | 46.0871% | 5,586 |
| Total domestic deposits to total assets | 88.1376% | 1,567 |
| Equity capital to assets | 10.7957% | 3,166 |
| Core capital (leverage) ratio | 10.1072% | 3,417 |
| Tier 1 risk-based capital ratio | 18.2732% | 1,916 |
| Total risk-based capital ratio | 18.8933% | 2,054 |
| Memoranda: | ||
| Average total assets | $34,653,000 | 5,828 |
| Average earning assets | $32,223,500 | 5,802 |
| Average equity | $3,657,000 | 5,863 |
| Average total loans | $13,804,000 | 5,878 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 3,537 |
| Cost of funding earning assets | 0.1935% | 5,333 |
| Net interest margin | 3.7547% | 2,539 |
| Noninterest income to average assets | 0.3604% | 4,321 |
| Noninterest expense to average assets | 2.6709% | 3,687 |
| Loan and lease loss provision to assets | 0.0145% | 4,118 |
| Net operating income to assets | 1.1215% | 1,829 |
| Return on assets (ROA) | 1.1829% | 1,691 |
| Pretax return on assets | 1.2352% | 2,523 |
| Return on Equity (ROE) | 11.5743% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.1757% | 2,294 |
| Net charge-offs to loans | -0.0296% | 5,397 |
| Credit loss provision to net charge-offs | -125.0000% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2540% | 3,352 |
| Assets per employee ($millions) | 5.7385% | 1,587 |
| Cash dividends to net income (ytd only)* | 55.2826% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 5,138 |
| Loan loss allowance to noncurrent loans | 540.9091% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 5,390 |
| Noncurrent loans to loans | 0.1634% | 4,838 |
| Net loans and leases to total assets | 38.7500% | 5,591 |
| Net loans and leases to deposits | 44.0359% | 5,651 |
| Net loans and leases to core deposits | 44.8516% | 5,689 |
| Total domestic deposits to total assets | 87.9963% | 1,635 |
| Equity capital to assets | 10.3076% | 3,616 |
| Core capital (leverage) ratio | 10.0252% | 3,475 |
| Tier 1 risk-based capital ratio | 18.1925% | 1,909 |
| Total risk-based capital ratio | 18.8255% | 2,052 |
| Memoranda: | ||
| Average total assets | $34,408,200 | 5,882 |
| Average earning assets | $32,039,600 | 5,855 |
| Average equity | $3,516,400 | 5,925 |
| Average total loans | $13,504,600 | 5,936 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,710 |
| Cost of funding earning assets | 0.1995% | 5,375 |
| Net interest margin | 3.7116% | 2,716 |
| Noninterest income to average assets | 0.3565% | 4,392 |
| Noninterest expense to average assets | 2.6044% | 3,863 |
| Loan and lease loss provision to assets | 0.0194% | 3,889 |
| Net operating income to assets | 1.1428% | 1,856 |
| Return on assets (ROA) | 1.2247% | 1,633 |
| Pretax return on assets | 1.2789% | 2,477 |
| Return on Equity (ROE) | 12.0094% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.1593% | 851 |
| Net charge-offs to loans | -0.0394% | 5,461 |
| Credit loss provision to net charge-offs | -125.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2234% | 3,499 |
| Assets per employee ($millions) | 5.6273% | 1,663 |
| Cash dividends to net income (ytd only)* | 23.7349% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 5,384 |
| Loan loss allowance to noncurrent loans | 737.5000% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 5,584 |
| Noncurrent loans to loans | 0.1148% | 5,172 |
| Net loans and leases to total assets | 40.9401% | 5,546 |
| Net loans and leases to deposits | 47.0346% | 5,612 |
| Net loans and leases to core deposits | 47.9333% | 5,657 |
| Total domestic deposits to total assets | 87.0424% | 2,021 |
| Equity capital to assets | 10.8370% | 3,205 |
| Core capital (leverage) ratio | 10.0870% | 3,519 |
| Tier 1 risk-based capital ratio | 18.5967% | 1,875 |
| Total risk-based capital ratio | 19.2273% | 1,999 |
| Memoranda: | ||
| Average total assets | $34,402,500 | 5,961 |
| Average earning assets | $32,078,750 | 5,932 |
| Average equity | $3,508,250 | 6,005 |
| Average total loans | $13,515,500 | 6,014 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,673 |
| Cost of funding earning assets | 0.1986% | 5,447 |
| Net interest margin | 3.7049% | 2,687 |
| Noninterest income to average assets | 0.3467% | 4,478 |
| Noninterest expense to average assets | 2.6116% | 3,873 |
| Loan and lease loss provision to assets | 0.0289% | 3,550 |
| Net operating income to assets | 1.1066% | 1,928 |
| Return on assets (ROA) | 1.1787% | 1,738 |
| Pretax return on assets | 1.2307% | 2,648 |
| Return on Equity (ROE) | 11.7987% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.7987% | 415 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7976% | 3,537 |
| Assets per employee ($millions) | 5.7195% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 5,498 |
| Loan loss allowance to noncurrent loans | 278.0488% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 4,747 |
| Noncurrent loans to loans | 0.3015% | 4,608 |
| Net loans and leases to total assets | 39.2896% | 5,671 |
| Net loans and leases to deposits | 45.3027% | 5,711 |
| Net loans and leases to core deposits | 45.7640% | 5,779 |
| Total domestic deposits to total assets | 86.7267% | 2,310 |
| Equity capital to assets | 10.0417% | 3,995 |
| Core capital (leverage) ratio | 9.8865% | 3,759 |
| Tier 1 risk-based capital ratio | 18.3395% | 1,972 |
| Total risk-based capital ratio | 18.9458% | 2,110 |
| Memoranda: | ||
| Average total assets | $34,615,330 | 6,025 |
| Average earning assets | $32,227,670 | 5,992 |
| Average equity | $3,458,000 | 6,072 |
| Average total loans | $13,373,670 | 6,085 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 3,788 |
| Cost of funding earning assets | 0.1850% | 5,648 |
| Net interest margin | 3.6754% | 2,716 |
| Noninterest income to average assets | 0.2531% | 5,148 |
| Noninterest expense to average assets | 2.6234% | 3,851 |
| Loan and lease loss provision to assets | 0.0575% | 2,780 |
| Net operating income to assets | 0.9665% | 2,414 |
| Return on assets (ROA) | 0.9665% | 2,547 |
| Pretax return on assets | 1.0010% | 3,503 |
| Return on Equity (ROE) | 9.6998% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.6998% | 991 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2500% | 3,290 |
| Assets per employee ($millions) | 5.8740% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 5,565 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 3,709 |
| Noncurrent loans to loans | 1.1353% | 2,500 |
| Net loans and leases to total assets | 37.6631% | 5,739 |
| Net loans and leases to deposits | 44.3161% | 5,746 |
| Net loans and leases to core deposits | 44.7644% | 5,811 |
| Total domestic deposits to total assets | 84.9875% | 3,412 |
| Equity capital to assets | 10.1379% | 3,965 |
| Core capital (leverage) ratio | 9.5158% | 4,251 |
| Tier 1 risk-based capital ratio | 18.0992% | 2,108 |
| Total risk-based capital ratio | 18.7194% | 2,269 |
| Memoranda: | ||
| Average total assets | $34,764,500 | 6,082 |
| Average earning assets | $32,431,500 | 6,050 |
| Average equity | $3,464,000 | 6,131 |
| Average total loans | $13,262,000 | 6,144 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 3,817 |
| Cost of funding earning assets | 0.2092% | 5,671 |
| Net interest margin | 3.7653% | 2,751 |
| Noninterest income to average assets | 0.3277% | 4,770 |
| Noninterest expense to average assets | 2.7054% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0768% | 2,065 |
| Return on assets (ROA) | 1.1715% | 1,746 |
| Pretax return on assets | 1.2179% | 2,579 |
| Return on Equity (ROE) | 12.5959% | 1,237 |
| Retained earnings to average equity (ytd only) | 5.5497% | 2,229 |
| Net charge-offs to loans | 0.0312% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 541 |
| Efficiency ratio | 70.7354% | 3,428 |
| Assets per employee ($millions) | 5.7142% | 1,596 |
| Cash dividends to net income (ytd only)* | 55.9406% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,690 |
| Loan loss allowance to noncurrent loans | 10,900.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 5,359 |
| Noncurrent loans to loans | 0.0076% | 5,894 |
| Net loans and leases to total assets | 37.9962% | 5,851 |
| Net loans and leases to deposits | 43.2647% | 5,912 |
| Net loans and leases to core deposits | 43.7001% | 5,965 |
| Total domestic deposits to total assets | 87.8227% | 1,860 |
| Equity capital to assets | 9.7856% | 4,375 |
| Core capital (leverage) ratio | 9.6138% | 4,076 |
| Tier 1 risk-based capital ratio | 17.4835% | 2,323 |
| Total risk-based capital ratio | 18.0719% | 2,537 |
| Memoranda: | ||
| Average total assets | $34,487,000 | 6,167 |
| Average earning assets | $32,029,000 | 6,142 |
| Average equity | $3,207,400 | 6,227 |
| Average total loans | $12,835,200 | 6,233 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,847 |
| Cost of funding earning assets | 0.2159% | 5,710 |
| Net interest margin | 3.7610% | 2,770 |
| Noninterest income to average assets | 0.3436% | 4,688 |
| Noninterest expense to average assets | 2.6521% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1411% | 1,892 |
| Return on assets (ROA) | 1.2894% | 1,450 |
| Pretax return on assets | 1.3434% | 2,224 |
| Return on Equity (ROE) | 14.0457% | 972 |
| Retained earnings to average equity (ytd only) | 10.8917% | 533 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0452% | 3,666 |
| Assets per employee ($millions) | 5.5382% | 1,693 |
| Cash dividends to net income (ytd only)* | 22.4558% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 5,639 |
| Loan loss allowance to noncurrent loans | 164.7059% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 5,406 |
| Noncurrent loans to loans | 0.5391% | 4,319 |
| Net loans and leases to total assets | 37.6238% | 5,957 |
| Net loans and leases to deposits | 42.1582% | 6,040 |
| Net loans and leases to core deposits | 42.9873% | 6,083 |
| Total domestic deposits to total assets | 89.2443% | 1,103 |
| Equity capital to assets | 10.1327% | 4,008 |
| Core capital (leverage) ratio | 9.7610% | 3,979 |
| Tier 1 risk-based capital ratio | 19.2119% | 1,855 |
| Total risk-based capital ratio | 19.8600% | 1,979 |
| Memoranda: | ||
| Average total assets | $34,537,500 | 6,241 |
| Average earning assets | $32,118,250 | 6,216 |
| Average equity | $3,170,500 | 6,306 |
| Average total loans | $12,760,000 | 6,308 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,896 |
| Cost of funding earning assets | 0.2218% | 5,730 |
| Net interest margin | 3.7390% | 2,798 |
| Noninterest income to average assets | 0.3431% | 4,675 |
| Noninterest expense to average assets | 2.6306% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1385% | 1,791 |
| Return on assets (ROA) | 1.1494% | 1,838 |
| Pretax return on assets | 1.1952% | 2,682 |
| Return on Equity (ROE) | 12.9469% | 1,189 |
| Retained earnings to average equity (ytd only) | 12.9469% | 341 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9655% | 3,840 |
| Assets per employee ($millions) | 5.9055% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 5,875 |
| Loan loss allowance to noncurrent loans | 386.2069% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 5,925 |
| Noncurrent loans to loans | 0.2197% | 5,352 |
| Net loans and leases to total assets | 36.9430% | 6,007 |
| Net loans and leases to deposits | 44.3699% | 5,962 |
| Net loans and leases to core deposits | 45.7884% | 6,003 |
| Total domestic deposits to total assets | 83.2614% | 4,205 |
| Equity capital to assets | 9.5222% | 4,724 |
| Core capital (leverage) ratio | 9.3312% | 4,551 |
| Tier 1 risk-based capital ratio | 17.6153% | 2,378 |
| Total risk-based capital ratio | 18.2201% | 2,591 |
| Memoranda: | ||
| Average total assets | $34,973,670 | 6,292 |
| Average earning assets | $32,468,670 | 6,271 |
| Average equity | $3,105,000 | 6,370 |
| Average total loans | $12,808,670 | 6,361 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 3,838 |
| Cost of funding earning assets | 0.2106% | 5,913 |
| Net interest margin | 3.7536% | 2,663 |
| Noninterest income to average assets | 0.2878% | 5,070 |
| Noninterest expense to average assets | 2.6019% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1241% | 1,721 |
| Return on assets (ROA) | 1.0246% | 2,178 |
| Pretax return on assets | 1.0707% | 3,030 |
| Return on Equity (ROE) | 11.9845% | 1,410 |
| Retained earnings to average equity (ytd only) | 11.9845% | 607 |
| Net charge-offs to loans | 0.0634% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 744 |
| Efficiency ratio | 68.9024% | 4,019 |
| Assets per employee ($millions) | 5.8875% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 5,863 |
| Loan loss allowance to noncurrent loans | 80.0000% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 4,954 |
| Noncurrent loans to loans | 1.1264% | 3,172 |
| Net loans and leases to total assets | 34.8677% | 6,128 |
| Net loans and leases to deposits | 39.1202% | 6,198 |
| Net loans and leases to core deposits | 40.2885% | 6,221 |
| Total domestic deposits to total assets | 89.1295% | 1,569 |
| Equity capital to assets | 8.7558% | 5,387 |
| Core capital (leverage) ratio | 9.0775% | 4,896 |
| Tier 1 risk-based capital ratio | 17.6778% | 2,422 |
| Total risk-based capital ratio | 18.3063% | 2,617 |
| Memoranda: | ||
| Average total assets | $34,744,000 | 6,357 |
| Average earning assets | $32,289,000 | 6,333 |
| Average equity | $2,970,500 | 6,457 |
| Average total loans | $12,612,000 | 6,432 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 4,747 |
| Cost of funding earning assets | 0.2292% | 6,109 |
| Net interest margin | 3.5898% | 3,507 |
| Noninterest income to average assets | 0.3856% | 4,550 |
| Noninterest expense to average assets | 2.6457% | 4,294 |
| Loan and lease loss provision to assets | 0.0239% | 4,647 |
| Net operating income to assets | 0.9809% | 2,421 |
| Return on assets (ROA) | 1.0792% | 2,078 |
| Pretax return on assets | 1.1450% | 2,788 |
| Return on Equity (ROE) | 11.5453% | 1,577 |
| Retained earnings to average equity (ytd only) | 5.1490% | 2,502 |
| Net charge-offs to loans | 0.0414% | 4,638 |
| Credit loss provision to net charge-offs | 160.0000% | 1,430 |
| Earnings coverage of net charge-offs (x) | 71.2000% | 599 |
| Efficiency ratio | 71.3135% | 3,606 |
| Assets per employee ($millions) | 4.2704% | 3,315 |
| Cash dividends to net income (ytd only)* | 55.4017% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 5,972 |
| Loan loss allowance to noncurrent loans | 275.6098% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 5,967 |
| Noncurrent loans to loans | 0.3204% | 5,226 |
| Net loans and leases to total assets | 37.1220% | 6,150 |
| Net loans and leases to deposits | 42.6343% | 6,194 |
| Net loans and leases to core deposits | 43.9828% | 6,227 |
| Total domestic deposits to total assets | 87.0708% | 2,685 |
| Equity capital to assets | 8.3365% | 5,750 |
| Core capital (leverage) ratio | 9.1012% | 4,855 |
| Tier 1 risk-based capital ratio | 16.8021% | 2,709 |
| Total risk-based capital ratio | 17.4223% | 2,973 |
| Memoranda: | ||
| Average total assets | $33,450,400 | 6,446 |
| Average earning assets | $30,976,600 | 6,424 |
| Average equity | $3,126,800 | 6,514 |
| Average total loans | $12,065,600 | 6,518 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 4,747 |
| Cost of funding earning assets | 0.2293% | 6,233 |
| Net interest margin | 3.5960% | 3,460 |
| Noninterest income to average assets | 0.3847% | 4,639 |
| Noninterest expense to average assets | 2.5687% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1018% | 2,000 |
| Return on assets (ROA) | 1.1941% | 1,729 |
| Pretax return on assets | 1.2422% | 2,538 |
| Return on Equity (ROE) | 12.4298% | 1,367 |
| Retained earnings to average equity (ytd only) | 9.3017% | 967 |
| Net charge-offs to loans | 0.0561% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 57.1694% | 785 |
| Efficiency ratio | 69.1478% | 3,894 |
| Assets per employee ($millions) | 4.1171% | 3,603 |
| Cash dividends to net income (ytd only)* | 25.1686% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 6,100 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 6,426 |
| Noncurrent loans to loans | 0.0589% | 6,167 |
| Net loans and leases to total assets | 35.7744% | 6,289 |
| Net loans and leases to deposits | 39.5482% | 6,399 |
| Net loans and leases to core deposits | 40.7970% | 6,424 |
| Total domestic deposits to total assets | 90.4575% | 758 |
| Equity capital to assets | 9.1963% | 4,940 |
| Core capital (leverage) ratio | 9.5689% | 4,298 |
| Tier 1 risk-based capital ratio | 17.2650% | 2,600 |
| Total risk-based capital ratio | 17.8459% | 2,859 |
| Memoranda: | ||
| Average total assets | $33,272,250 | 6,524 |
| Average earning assets | $30,811,250 | 6,495 |
| Average equity | $3,196,500 | 6,570 |
| Average total loans | $11,883,250 | 6,592 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,616 |
| Cost of funding earning assets | 0.2332% | 6,284 |
| Net interest margin | 3.6275% | 3,253 |
| Noninterest income to average assets | 0.3295% | 5,055 |
| Noninterest expense to average assets | 2.5641% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0781% | 2,001 |
| Return on assets (ROA) | 1.2162% | 1,652 |
| Pretax return on assets | 1.2641% | 2,428 |
| Return on Equity (ROE) | 12.4834% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.4834% | 432 |
| Net charge-offs to loans | 0.0673% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 46.7500% | 835 |
| Efficiency ratio | 69.5935% | 3,908 |
| Assets per employee ($millions) | 4.1545% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 6,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 36.7674% | 6,253 |
| Net loans and leases to deposits | 42.2618% | 6,313 |
| Net loans and leases to core deposits | 43.6366% | 6,348 |
| Total domestic deposits to total assets | 86.9990% | 2,824 |
| Equity capital to assets | 8.9421% | 5,277 |
| Core capital (leverage) ratio | 9.2319% | 4,651 |
| Tier 1 risk-based capital ratio | 16.2663% | 3,060 |
| Total risk-based capital ratio | 16.8170% | 3,397 |
| Memoranda: | ||
| Average total assets | $33,384,000 | 6,571 |
| Average earning assets | $30,875,000 | 6,541 |
| Average equity | $3,252,330 | 6,611 |
| Average total loans | $11,881,670 | 6,634 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 4,712 |
| Cost of funding earning assets | 0.2186% | 6,484 |
| Net interest margin | 3.6136% | 3,203 |
| Noninterest income to average assets | 0.3228% | 5,119 |
| Noninterest expense to average assets | 2.4987% | 4,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1477% | 1,686 |
| Return on assets (ROA) | 1.1477% | 1,793 |
| Pretax return on assets | 1.1836% | 2,636 |
| Return on Equity (ROE) | 11.3191% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.3191% | 813 |
| Net charge-offs to loans | 0.1372% | 2,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,073 |
| Efficiency ratio | 67.8571% | 4,332 |
| Assets per employee ($millions) | 4.3256% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 6,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 34.5152% | 6,393 |
| Net loans and leases to deposits | 39.2740% | 6,453 |
| Net loans and leases to core deposits | 40.4840% | 6,464 |
| Total domestic deposits to total assets | 87.8833% | 2,393 |
| Equity capital to assets | 9.8541% | 4,345 |
| Core capital (leverage) ratio | 8.9272% | 5,012 |
| Tier 1 risk-based capital ratio | 15.8617% | 3,346 |
| Total risk-based capital ratio | 16.4178% | 3,678 |
| Memoranda: | ||
| Average total assets | $33,458,000 | 6,630 |
| Average earning assets | $31,104,500 | 6,597 |
| Average equity | $3,392,500 | 6,646 |
| Average total loans | $11,660,000 | 6,715 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 5,113 |
| Cost of funding earning assets | 0.3278% | 6,321 |
| Net interest margin | 3.7297% | 3,519 |
| Noninterest income to average assets | 0.3786% | 4,764 |
| Noninterest expense to average assets | 2.7242% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0762% | 2,032 |
| Return on assets (ROA) | 1.1840% | 1,814 |
| Pretax return on assets | 1.2353% | 2,655 |
| Return on Equity (ROE) | 10.9030% | 1,833 |
| Retained earnings to average equity (ytd only) | 4.9935% | 2,709 |
| Net charge-offs to loans | 0.0273% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 116.6667% | 329 |
| Efficiency ratio | 70.8090% | 3,653 |
| Assets per employee ($millions) | 4.0389% | 3,871 |
| Cash dividends to net income (ytd only)* | 54.2005% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 34.5424% | 6,516 |
| Net loans and leases to deposits | 40.2706% | 6,538 |
| Net loans and leases to core deposits | 41.6346% | 6,561 |
| Total domestic deposits to total assets | 85.7757% | 3,473 |
| Equity capital to assets | 10.4454% | 3,591 |
| Core capital (leverage) ratio | 9.1642% | 4,638 |
| Tier 1 risk-based capital ratio | 16.4314% | 2,926 |
| Total risk-based capital ratio | 17.0549% | 3,222 |
| Memoranda: | ||
| Average total assets | $31,165,400 | 6,729 |
| Average earning assets | $28,983,600 | 6,692 |
| Average equity | $3,384,400 | 6,713 |
| Average total loans | $10,972,600 | 6,809 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 4,821 |
| Cost of funding earning assets | 0.3572% | 6,346 |
| Net interest margin | 3.8408% | 3,156 |
| Noninterest income to average assets | 0.3929% | 4,688 |
| Noninterest expense to average assets | 2.7807% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1416% | 1,944 |
| Return on assets (ROA) | 1.2867% | 1,616 |
| Pretax return on assets | 1.3385% | 2,456 |
| Return on Equity (ROE) | 11.7316% | 1,730 |
| Retained earnings to average equity (ytd only) | 8.7792% | 1,311 |
| Net charge-offs to loans | 0.0367% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 91.6650% | 458 |
| Efficiency ratio | 70.0762% | 3,674 |
| Assets per employee ($millions) | 3.9623% | 3,947 |
| Cash dividends to net income (ytd only)* | 25.1686% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 5,927 |
| Loan loss allowance to noncurrent loans | 244.4444% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 6,360 |
| Noncurrent loans to loans | 0.4263% | 5,596 |
| Net loans and leases to total assets | 32.9516% | 6,705 |
| Net loans and leases to deposits | 37.2278% | 6,778 |
| Net loans and leases to core deposits | 38.4715% | 6,793 |
| Total domestic deposits to total assets | 88.5135% | 1,714 |
| Equity capital to assets | 11.1395% | 3,110 |
| Core capital (leverage) ratio | 9.5347% | 4,219 |
| Tier 1 risk-based capital ratio | 17.9198% | 2,385 |
| Total risk-based capital ratio | 18.5873% | 2,559 |
| Memoranda: | ||
| Average total assets | $30,879,000 | 6,818 |
| Average earning assets | $28,743,250 | 6,782 |
| Average equity | $3,386,750 | 6,796 |
| Average total loans | $10,898,000 | 6,902 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 4,127 |
| Cost of funding earning assets | 0.3942% | 6,299 |
| Net interest margin | 4.0193% | 2,419 |
| Noninterest income to average assets | 0.3529% | 5,014 |
| Noninterest expense to average assets | 2.8164% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2223% | 1,634 |
| Return on assets (ROA) | 1.4442% | 1,233 |
| Pretax return on assets | 1.4964% | 1,856 |
| Return on Equity (ROE) | 13.2388% | 1,300 |
| Retained earnings to average equity (ytd only) | 13.2388% | 414 |
| Net charge-offs to loans | 0.0545% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 64.6667% | 600 |
| Efficiency ratio | 68.9600% | 3,949 |
| Assets per employee ($millions) | 3.9399% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,093 |
| Loan loss allowance to noncurrent loans | 343.7500% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 6,542 |
| Noncurrent loans to loans | 0.2953% | 5,971 |
| Net loans and leases to total assets | 34.0366% | 6,719 |
| Net loans and leases to deposits | 38.3129% | 6,792 |
| Net loans and leases to core deposits | 39.5911% | 6,810 |
| Total domestic deposits to total assets | 88.8385% | 1,612 |
| Equity capital to assets | 10.8823% | 3,251 |
| Core capital (leverage) ratio | 9.8163% | 3,694 |
| Tier 1 risk-based capital ratio | 18.8218% | 2,021 |
| Total risk-based capital ratio | 19.5239% | 2,173 |
| Memoranda: | ||
| Average total assets | $30,606,000 | 6,877 |
| Average earning assets | $28,413,000 | 6,838 |
| Average equity | $3,338,670 | 6,846 |
| Average total loans | $11,012,330 | 6,964 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 4,144 |
| Cost of funding earning assets | 0.4415% | 6,200 |
| Net interest margin | 4.0019% | 2,498 |
| Noninterest income to average assets | 0.2653% | 5,751 |
| Noninterest expense to average assets | 2.8127% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1357% | 1,938 |
| Return on assets (ROA) | 1.3267% | 1,544 |
| Pretax return on assets | 1.3798% | 2,249 |
| Return on Equity (ROE) | 12.1470% | 1,634 |
| Retained earnings to average equity (ytd only) | 12.1470% | 807 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4319% | 3,736 |
| Assets per employee ($millions) | 3.8498% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,278 |
| Loan loss allowance to noncurrent loans | 1,130.0000% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,823 |
| Noncurrent loans to loans | 0.0879% | 6,538 |
| Net loans and leases to total assets | 36.5803% | 6,587 |
| Net loans and leases to deposits | 41.8982% | 6,666 |
| Net loans and leases to core deposits | 43.3524% | 6,684 |
| Total domestic deposits to total assets | 87.3076% | 2,767 |
| Equity capital to assets | 10.8384% | 3,093 |
| Core capital (leverage) ratio | 9.2629% | 4,418 |
| Tier 1 risk-based capital ratio | 16.8192% | 2,748 |
| Total risk-based capital ratio | 17.4908% | 3,010 |
| Memoranda: | ||
| Average total assets | $30,149,500 | 6,945 |
| Average earning assets | $28,086,500 | 6,903 |
| Average equity | $3,293,000 | 6,898 |
| Average total loans | $11,099,500 | 7,018 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 3,728 |
| Cost of funding earning assets | 0.5632% | 6,275 |
| Net interest margin | 4.2540% | 1,859 |
| Noninterest income to average assets | 0.3905% | 4,697 |
| Noninterest expense to average assets | 3.1067% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1855% | 1,543 |
| Return on assets (ROA) | 1.1855% | 1,660 |
| Pretax return on assets | 1.2343% | 2,343 |
| Return on Equity (ROE) | 11.1805% | 1,652 |
| Retained earnings to average equity (ytd only) | 6.2479% | 1,881 |
| Net charge-offs to loans | -0.0093% | 6,880 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5663% | 3,671 |
| Assets per employee ($millions) | 3.6876% | 4,578 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.2937% | 6,749 |
| Net loans and leases to deposits | 42.1768% | 6,795 |
| Net loans and leases to core deposits | 43.7306% | 6,821 |
| Total domestic deposits to total assets | 86.0513% | 3,294 |
| Equity capital to assets | 11.0098% | 2,973 |
| Core capital (leverage) ratio | 9.4372% | 4,130 |
| Tier 1 risk-based capital ratio | 17.3048% | 2,464 |
| Total risk-based capital ratio | 18.0210% | 2,671 |
| Memoranda: | ||
| Average total assets | $28,679,600 | 7,005 |
| Average earning assets | $26,634,000 | 6,969 |
| Average equity | $3,041,000 | 7,002 |
| Average total loans | $10,711,600 | 7,092 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 3,557 |
| Cost of funding earning assets | 0.5898% | 6,331 |
| Net interest margin | 4.3096% | 1,685 |
| Noninterest income to average assets | 0.3886% | 4,746 |
| Noninterest expense to average assets | 3.1654% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1800% | 1,714 |
| Return on assets (ROA) | 1.1800% | 1,830 |
| Pretax return on assets | 1.2268% | 2,535 |
| Return on Equity (ROE) | 11.2399% | 1,781 |
| Retained earnings to average equity (ytd only) | 9.0100% | 1,140 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0682% | 3,541 |
| Assets per employee ($millions) | 3.5105% | 4,968 |
| Cash dividends to net income (ytd only)* | 19.8429% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,880 |
| Loan loss allowance to noncurrent loans | 1,244.4444% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 6,979 |
| Noncurrent loans to loans | 0.0887% | 6,713 |
| Net loans and leases to total assets | 35.7499% | 6,877 |
| Net loans and leases to deposits | 41.4722% | 6,933 |
| Net loans and leases to core deposits | 43.0735% | 6,951 |
| Total domestic deposits to total assets | 86.2021% | 3,088 |
| Equity capital to assets | 11.5689% | 2,622 |
| Core capital (leverage) ratio | 9.7873% | 3,718 |
| Tier 1 risk-based capital ratio | 18.3596% | 2,132 |
| Total risk-based capital ratio | 19.1095% | 2,270 |
| Memoranda: | ||
| Average total assets | $28,474,250 | 7,083 |
| Average earning assets | $26,451,750 | 7,046 |
| Average equity | $2,989,250 | 7,074 |
| Average total loans | $10,684,500 | 7,163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 3,435 |
| Cost of funding earning assets | 0.6101% | 6,409 |
| Net interest margin | 4.3310% | 1,563 |
| Noninterest income to average assets | 0.3915% | 4,746 |
| Noninterest expense to average assets | 3.1674% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1956% | 1,587 |
| Return on assets (ROA) | 1.1956% | 1,667 |
| Pretax return on assets | 1.2446% | 2,326 |
| Return on Equity (ROE) | 11.7823% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.7823% | 552 |
| Net charge-offs to loans | -0.0184% | 6,803 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7908% | 3,782 |
| Assets per employee ($millions) | 3.3211% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,214 |
| Loan loss allowance to noncurrent loans | 1,412.5000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,033 |
| Noncurrent loans to loans | 0.0730% | 6,798 |
| Net loans and leases to total assets | 36.2830% | 6,946 |
| Net loans and leases to deposits | 42.8132% | 6,964 |
| Net loans and leases to core deposits | 44.3849% | 6,995 |
| Total domestic deposits to total assets | 84.7474% | 3,993 |
| Equity capital to assets | 10.5688% | 3,419 |
| Core capital (leverage) ratio | 9.4342% | 4,053 |
| Tier 1 risk-based capital ratio | 18.5178% | 2,006 |
| Total risk-based capital ratio | 19.2896% | 2,116 |
| Memoranda: | ||
| Average total assets | $28,604,330 | 7,144 |
| Average earning assets | $26,553,000 | 7,110 |
| Average equity | $2,902,670 | 7,153 |
| Average total loans | $10,862,000 | 7,226 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 3,644 |
| Cost of funding earning assets | 0.6325% | 6,467 |
| Net interest margin | 4.2575% | 1,708 |
| Noninterest income to average assets | 0.3576% | 5,039 |
| Noninterest expense to average assets | 3.2187% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0586% | 1,979 |
| Return on assets (ROA) | 1.0586% | 2,030 |
| Pretax return on assets | 1.0872% | 2,803 |
| Return on Equity (ROE) | 10.6686% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.6686% | 960 |
| Net charge-offs to loans | -0.0370% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7508% | 3,379 |
| Assets per employee ($millions) | 3.1858% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,279 |
| Loan loss allowance to noncurrent loans | 800.0000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 7,045 |
| Noncurrent loans to loans | 0.1290% | 6,724 |
| Net loans and leases to total assets | 37.4651% | 6,935 |
| Net loans and leases to deposits | 43.0593% | 6,985 |
| Net loans and leases to core deposits | 45.1288% | 7,006 |
| Total domestic deposits to total assets | 87.0082% | 2,932 |
| Equity capital to assets | 9.9295% | 3,863 |
| Core capital (leverage) ratio | 9.1913% | 4,303 |
| Tier 1 risk-based capital ratio | 17.2053% | 2,401 |
| Total risk-based capital ratio | 17.9425% | 2,564 |
| Memoranda: | ||
| Average total assets | $27,961,500 | 7,213 |
| Average earning assets | $25,930,500 | 7,177 |
| Average equity | $2,774,500 | 7,230 |
| Average total loans | $10,814,000 | 7,286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 4,294 |
| Cost of funding earning assets | 0.7706% | 6,679 |
| Net interest margin | 4.2863% | 1,875 |
| Noninterest income to average assets | 0.4015% | 4,901 |
| Noninterest expense to average assets | 3.2456% | 2,932 |
| Loan and lease loss provision to assets | 0.0112% | 6,978 |
| Net operating income to assets | 1.0744% | 1,779 |
| Return on assets (ROA) | 1.0744% | 1,875 |
| Pretax return on assets | 1.1153% | 2,525 |
| Return on Equity (ROE) | 10.4801% | 1,768 |
| Retained earnings to average equity (ytd only) | 6.8538% | 1,386 |
| Net charge-offs to loans | 0.1255% | 5,638 |
| Credit loss provision to net charge-offs | 23.0769% | 6,539 |
| Earnings coverage of net charge-offs (x) | 23.3077% | 906 |
| Efficiency ratio | 74.2347% | 3,349 |
| Assets per employee ($millions) | 3.0279% | 6,039 |
| Cash dividends to net income (ytd only)* | 34.6021% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 6,193 |
| Loan loss allowance to noncurrent loans | 933.3333% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 7,127 |
| Noncurrent loans to loans | 0.1114% | 6,864 |
| Net loans and leases to total assets | 39.1252% | 7,016 |
| Net loans and leases to deposits | 45.5992% | 7,058 |
| Net loans and leases to core deposits | 48.5121% | 7,049 |
| Total domestic deposits to total assets | 85.8024% | 3,452 |
| Equity capital to assets | 9.9152% | 3,862 |
| Core capital (leverage) ratio | 9.1308% | 4,302 |
| Tier 1 risk-based capital ratio | 18.2668% | 1,919 |
| Total risk-based capital ratio | 19.0723% | 2,016 |
| Memoranda: | ||
| Average total assets | $26,897,800 | 7,296 |
| Average earning assets | $24,916,400 | 7,260 |
| Average equity | $2,757,600 | 7,341 |
| Average total loans | $10,355,200 | 7,375 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 4,272 |
| Cost of funding earning assets | 0.7881% | 6,799 |
| Net interest margin | 4.3208% | 1,772 |
| Noninterest income to average assets | 0.3978% | 4,975 |
| Noninterest expense to average assets | 3.2475% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1140% | 1,840 |
| Return on assets (ROA) | 1.1140% | 1,951 |
| Pretax return on assets | 1.1588% | 2,642 |
| Return on Equity (ROE) | 10.7761% | 1,854 |
| Retained earnings to average equity (ytd only) | 9.0922% | 1,028 |
| Net charge-offs to loans | 0.1691% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 17.9261% | 1,296 |
| Efficiency ratio | 73.7020% | 3,379 |
| Assets per employee ($millions) | 3.0279% | 6,088 |
| Cash dividends to net income (ytd only)* | 15.6265% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,864 |
| Loan loss allowance to noncurrent loans | 908.3333% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 7,238 |
| Noncurrent loans to loans | 0.1231% | 6,936 |
| Net loans and leases to total assets | 35.3712% | 7,293 |
| Net loans and leases to deposits | 41.3478% | 7,326 |
| Net loans and leases to core deposits | 43.9876% | 7,324 |
| Total domestic deposits to total assets | 85.5455% | 3,324 |
| Equity capital to assets | 11.0345% | 2,929 |
| Core capital (leverage) ratio | 9.2403% | 4,294 |
| Tier 1 risk-based capital ratio | 19.4177% | 1,659 |
| Total risk-based capital ratio | 20.2506% | 1,708 |
| Memoranda: | ||
| Average total assets | $26,809,500 | 7,389 |
| Average earning assets | $24,871,500 | 7,351 |
| Average equity | $2,771,500 | 7,427 |
| Average total loans | $10,250,500 | 7,481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 4,042 |
| Cost of funding earning assets | 0.8164% | 6,860 |
| Net interest margin | 4.3649% | 1,550 |
| Noninterest income to average assets | 0.3826% | 5,066 |
| Noninterest expense to average assets | 3.2780% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1102% | 1,818 |
| Return on assets (ROA) | 1.1102% | 1,888 |
| Pretax return on assets | 1.1552% | 2,568 |
| Return on Equity (ROE) | 10.9915% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.9915% | 663 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9425% | 3,485 |
| Assets per employee ($millions) | 2.7539% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 5,564 |
| Loan loss allowance to noncurrent loans | 140.2299% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 6,625 |
| Noncurrent loans to loans | 0.8401% | 5,599 |
| Net loans and leases to total assets | 37.1618% | 7,307 |
| Net loans and leases to deposits | 43.1650% | 7,345 |
| Net loans and leases to core deposits | 45.8656% | 7,358 |
| Total domestic deposits to total assets | 86.0925% | 3,032 |
| Equity capital to assets | 10.6286% | 3,244 |
| Core capital (leverage) ratio | 9.2207% | 4,270 |
| Tier 1 risk-based capital ratio | 18.3742% | 1,864 |
| Total risk-based capital ratio | 19.2709% | 1,922 |
| Memoranda: | ||
| Average total assets | $26,662,330 | 7,451 |
| Average earning assets | $24,743,000 | 7,412 |
| Average equity | $2,693,000 | 7,501 |
| Average total loans | $10,418,000 | 7,530 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 4,356 |
| Cost of funding earning assets | 0.8864% | 6,821 |
| Net interest margin | 4.2513% | 1,848 |
| Noninterest income to average assets | 0.3051% | 5,701 |
| Noninterest expense to average assets | 3.3862% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8542% | 2,736 |
| Return on assets (ROA) | 0.8542% | 2,826 |
| Pretax return on assets | 0.8694% | 3,583 |
| Return on Equity (ROE) | 8.6957% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.6957% | 1,483 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5699% | 2,636 |
| Assets per employee ($millions) | 2.6881% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,652 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 7,401 |
| Noncurrent loans to loans | 0.0960% | 7,156 |
| Net loans and leases to total assets | 38.3059% | 7,339 |
| Net loans and leases to deposits | 43.9161% | 7,407 |
| Net loans and leases to core deposits | 46.6963% | 7,406 |
| Total domestic deposits to total assets | 87.2252% | 2,517 |
| Equity capital to assets | 9.5011% | 4,530 |
| Core capital (leverage) ratio | 9.1105% | 4,356 |
| Tier 1 risk-based capital ratio | 17.5386% | 2,067 |
| Total risk-based capital ratio | 18.4276% | 2,159 |
| Memoranda: | ||
| Average total assets | $26,224,000 | 7,557 |
| Average earning assets | $24,369,000 | 7,523 |
| Average equity | $2,576,000 | 7,608 |
| Average total loans | $10,449,000 | 7,630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 2,916 |
| Cost of funding earning assets | 1.1434% | 6,840 |
| Net interest margin | 4.5951% | 996 |
| Noninterest income to average assets | 0.3978% | 5,219 |
| Noninterest expense to average assets | 3.5602% | 2,245 |
| Loan and lease loss provision to assets | 0.0199% | 7,305 |
| Net operating income to assets | 0.9984% | 1,849 |
| Return on assets (ROA) | 0.9984% | 1,894 |
| Pretax return on assets | 1.0382% | 2,462 |
| Return on Equity (ROE) | 10.0682% | 1,668 |
| Retained earnings to average equity (ytd only) | 8.0626% | 684 |
| Net charge-offs to loans | 0.0367% | 6,755 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 404 |
| Efficiency ratio | 77.0887% | 3,350 |
| Assets per employee ($millions) | 2.5567% | 7,110 |
| Cash dividends to net income (ytd only)* | 19.9203% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,562 |
| Loan loss allowance to noncurrent loans | 358.8235% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 6,184 |
| Noncurrent loans to loans | 0.3245% | 6,630 |
| Net loans and leases to total assets | 40.5093% | 7,324 |
| Net loans and leases to deposits | 46.8791% | 7,404 |
| Net loans and leases to core deposits | 53.5938% | 7,484 |
| Total domestic deposits to total assets | 86.4122% | 2,814 |
| Equity capital to assets | 10.1615% | 3,546 |
| Core capital (leverage) ratio | 9.1943% | 4,131 |
| Tier 1 risk-based capital ratio | 17.2763% | 2,084 |
| Total risk-based capital ratio | 18.1725% | 2,142 |
| Memoranda: | ||
| Average total assets | $25,139,000 | 7,636 |
| Average earning assets | $23,089,800 | 7,610 |
| Average equity | $2,493,000 | 7,734 |
| Average total loans | $10,895,600 | 7,660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8605% | 2,625 |
| Cost of funding earning assets | 1.1849% | 6,933 |
| Net interest margin | 4.6757% | 874 |
| Noninterest income to average assets | 0.4261% | 5,081 |
| Noninterest expense to average assets | 3.5314% | 2,194 |
| Loan and lease loss provision to assets | 0.0266% | 7,088 |
| Net operating income to assets | 1.1132% | 1,697 |
| Return on assets (ROA) | 1.1132% | 1,757 |
| Pretax return on assets | 1.1558% | 2,394 |
| Return on Equity (ROE) | 11.2966% | 1,546 |
| Retained earnings to average equity (ytd only) | 9.9455% | 644 |
| Net charge-offs to loans | 0.0485% | 6,238 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 55.5328% | 590 |
| Efficiency ratio | 74.9153% | 3,708 |
| Assets per employee ($millions) | 2.5391% | 7,164 |
| Cash dividends to net income (ytd only)* | 11.9608% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,194 |
| Loan loss allowance to noncurrent loans | 85.3147% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 5,021 |
| Noncurrent loans to loans | 1.3886% | 4,592 |
| Net loans and leases to total assets | 40.0772% | 7,465 |
| Net loans and leases to deposits | 46.6960% | 7,547 |
| Net loans and leases to core deposits | 53.4650% | 7,607 |
| Total domestic deposits to total assets | 85.8257% | 2,794 |
| Equity capital to assets | 10.4289% | 3,586 |
| Core capital (leverage) ratio | 9.2884% | 4,206 |
| Tier 1 risk-based capital ratio | 17.8271% | 2,040 |
| Total risk-based capital ratio | 18.7586% | 2,079 |
| Memoranda: | ||
| Average total assets | $25,032,000 | 7,712 |
| Average earning assets | $22,955,250 | 7,694 |
| Average equity | $2,466,750 | 7,816 |
| Average total loans | $10,999,750 | 7,733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0479% | 1,991 |
| Cost of funding earning assets | 1.2377% | 6,998 |
| Net interest margin | 4.8103% | 639 |
| Noninterest income to average assets | 0.3934% | 5,345 |
| Noninterest expense to average assets | 3.5806% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1641% | 1,574 |
| Return on assets (ROA) | 1.1641% | 1,654 |
| Pretax return on assets | 1.2123% | 2,263 |
| Return on Equity (ROE) | 12.0515% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.0515% | 434 |
| Net charge-offs to loans | 0.0534% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 680 |
| Efficiency ratio | 74.7069% | 3,922 |
| Assets per employee ($millions) | 2.2796% | 7,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 5,928 |
| Loan loss allowance to noncurrent loans | 907.6923% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 6,126 |
| Noncurrent loans to loans | 0.1154% | 7,234 |
| Net loans and leases to total assets | 44.4688% | 7,299 |
| Net loans and leases to deposits | 51.3942% | 7,412 |
| Net loans and leases to core deposits | 58.8319% | 7,493 |
| Total domestic deposits to total assets | 86.5250% | 2,500 |
| Equity capital to assets | 9.7583% | 4,273 |
| Core capital (leverage) ratio | 9.1936% | 4,316 |
| Tier 1 risk-based capital ratio | 16.6401% | 2,408 |
| Total risk-based capital ratio | 17.4953% | 2,479 |
| Memoranda: | ||
| Average total assets | $24,912,330 | 7,790 |
| Average earning assets | $22,784,670 | 7,771 |
| Average equity | $2,406,330 | 7,904 |
| Average total loans | $11,233,670 | 7,799 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9695% | 2,481 |
| Cost of funding earning assets | 1.2817% | 7,074 |
| Net interest margin | 4.6878% | 784 |
| Noninterest income to average assets | 0.4027% | 5,191 |
| Noninterest expense to average assets | 3.6407% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0310% | 2,187 |
| Return on assets (ROA) | 1.0310% | 2,329 |
| Pretax return on assets | 1.0632% | 3,131 |
| Return on Equity (ROE) | 10.7293% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.7293% | 1,025 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3973% | 3,271 |
| Assets per employee ($millions) | 2.2989% | 7,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 5,645 |
| Loan loss allowance to noncurrent loans | 242.0000% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 5,444 |
| Noncurrent loans to loans | 0.4446% | 6,315 |
| Net loans and leases to total assets | 43.9972% | 7,338 |
| Net loans and leases to deposits | 50.7828% | 7,462 |
| Net loans and leases to core deposits | 57.7314% | 7,536 |
| Total domestic deposits to total assets | 86.6379% | 2,388 |
| Equity capital to assets | 9.7714% | 4,280 |
| Core capital (leverage) ratio | 9.0063% | 4,703 |
| Tier 1 risk-based capital ratio | 15.6376% | 2,801 |
| Total risk-based capital ratio | 16.4914% | 2,906 |
| Memoranda: | ||
| Average total assets | $24,830,500 | 7,843 |
| Average earning assets | $22,782,500 | 7,812 |
| Average equity | $2,386,000 | 7,959 |
| Average total loans | $11,216,000 | 7,846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8218% | 1,607 |
| Cost of funding earning assets | 1.6603% | 7,340 |
| Net interest margin | 5.1615% | 365 |
| Noninterest income to average assets | 0.5084% | 4,554 |
| Noninterest expense to average assets | 3.8288% | 1,704 |
| Loan and lease loss provision to assets | 0.0309% | 7,017 |
| Net operating income to assets | 1.2733% | 1,558 |
| Return on assets (ROA) | 1.2733% | 1,509 |
| Pretax return on assets | 1.3219% | 2,234 |
| Return on Equity (ROE) | 12.9171% | 1,350 |
| Retained earnings to average equity (ytd only) | 1.7043% | 4,198 |
| Net charge-offs to loans | 0.2241% | 3,989 |
| Credit loss provision to net charge-offs | 29.1667% | 6,532 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 2,212 |
| Efficiency ratio | 73.8908% | 3,595 |
| Assets per employee ($millions) | 2.2157% | 7,681 |
| Cash dividends to net income (ytd only)* | 86.8056% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,404 |
| Loan loss allowance to noncurrent loans | 711.7647% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 5,357 |
| Noncurrent loans to loans | 0.1520% | 6,956 |
| Net loans and leases to total assets | 45.3945% | 7,382 |
| Net loans and leases to deposits | 57.8601% | 7,212 |
| Net loans and leases to core deposits | 64.7434% | 7,415 |
| Total domestic deposits to total assets | 78.4557% | 5,562 |
| Equity capital to assets | 9.4408% | 4,766 |
| Core capital (leverage) ratio | 9.0340% | 4,692 |
| Tier 1 risk-based capital ratio | 15.9463% | 2,686 |
| Total risk-based capital ratio | 16.8434% | 2,741 |
| Memoranda: | ||
| Average total assets | $22,618,200 | 7,926 |
| Average earning assets | $20,478,400 | 7,917 |
| Average equity | $2,229,600 | 8,066 |
| Average total loans | $10,708,000 | 7,907 |