Home > Oakdale State Bank > Performance and Condition Ratios
Oakdale State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 2,026 |
| Cost of funding earning assets | 0.4568% | 4,242 |
| Net interest margin | 4.5684% | 550 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.6454% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2693% | 1,496 |
| Return on assets (ROA) | 1.2693% | 1,467 |
| Pretax return on assets | 1.7534% | 957 |
| Return on Equity (ROE) | 11.0800% | 2,203 |
| Retained earnings to average equity (ytd only) | 8.2551% | 1,468 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.1386% | 3,062 |
| Assets per employee ($millions) | 4.1705% | 4,094 |
| Cash dividends to net income (ytd only)* | 25.5255% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,364 |
| Loan loss allowance to noncurrent loans | 296.0000% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 381 |
| Noncurrent loans to loans | 0.3346% | 1,982 |
| Net loans and leases to total assets | 59.1300% | 2,932 |
| Net loans and leases to deposits | 68.2770% | 3,009 |
| Net loans and leases to core deposits | 69.0900% | 3,353 |
| Total domestic deposits to total assets | 86.6100% | 1,816 |
| Equity capital to assets | 12.5644% | 973 |
| Core capital (leverage) ratio | 13.0550% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,234,400 | 4,487 |
| Average earning assets | $24,516,400 | 4,451 |
| Average equity | $3,004,200 | 4,428 |
| Average total loans | $14,274,400 | 4,362 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 2,041 |
| Cost of funding earning assets | 0.3957% | 4,263 |
| Net interest margin | 4.5126% | 602 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.6428% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3415% | 1,439 |
| Return on assets (ROA) | 1.3415% | 1,425 |
| Pretax return on assets | 1.7283% | 1,119 |
| Return on Equity (ROE) | 11.9900% | 2,127 |
| Retained earnings to average equity (ytd only) | 11.9893% | 969 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.4598% | 2,913 |
| Assets per employee ($millions) | 5.0332% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 3,270 |
| Loan loss allowance to noncurrent loans | 164.4444% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 314 |
| Noncurrent loans to loans | 0.6186% | 1,315 |
| Net loans and leases to total assets | 57.2200% | 3,100 |
| Net loans and leases to deposits | 65.7130% | 3,152 |
| Net loans and leases to core deposits | 66.4866% | 3,404 |
| Total domestic deposits to total assets | 87.0800% | 1,868 |
| Equity capital to assets | 12.3818% | 951 |
| Core capital (leverage) ratio | 12.5799% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $26,537,250 | 4,510 |
| Average earning assets | $24,937,000 | 4,476 |
| Average equity | $2,969,250 | 4,449 |
| Average total loans | $14,106,750 | 4,385 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 2,045 |
| Cost of funding earning assets | 0.3384% | 4,259 |
| Net interest margin | 4.4384% | 669 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.6524% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3114% | 1,540 |
| Return on assets (ROA) | 1.3114% | 1,525 |
| Pretax return on assets | 1.6596% | 1,297 |
| Return on Equity (ROE) | 12.1200% | 2,116 |
| Retained earnings to average equity (ytd only) | 12.1219% | 960 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5120% | 2,775 |
| Assets per employee ($millions) | 5.3554% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,149 |
| Loan loss allowance to noncurrent loans | 91.9255% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.5050% | 235 |
| Noncurrent loans to loans | 1.1512% | 614 |
| Net loans and leases to total assets | 51.6800% | 3,433 |
| Net loans and leases to deposits | 58.4918% | 3,515 |
| Net loans and leases to core deposits | 58.4918% | 3,694 |
| Total domestic deposits to total assets | 88.3500% | 1,475 |
| Equity capital to assets | 11.2485% | 1,292 |
| Core capital (leverage) ratio | 11.7345% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $26,994,333 | 4,537 |
| Average earning assets | $25,414,667 | 4,500 |
| Average equity | $2,920,333 | 4,481 |
| Average total loans | $13,959,333 | 4,412 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 2,180 |
| Cost of funding earning assets | 0.2522% | 4,291 |
| Net interest margin | 4.3026% | 802 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.7008% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1954% | 1,945 |
| Return on assets (ROA) | 1.1954% | 1,902 |
| Pretax return on assets | 1.4759% | 1,721 |
| Return on Equity (ROE) | 11.2700% | 2,418 |
| Retained earnings to average equity (ytd only) | 11.2715% | 1,408 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.6643% | 2,371 |
| Assets per employee ($millions) | 4.6740% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,106 |
| Loan loss allowance to noncurrent loans | 7,400.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 524 |
| Noncurrent loans to loans | 0.0147% | 3,703 |
| Net loans and leases to total assets | 47.8800% | 3,644 |
| Net loans and leases to deposits | 53.6094% | 3,707 |
| Net loans and leases to core deposits | 53.6094% | 3,849 |
| Total domestic deposits to total assets | 89.3100% | 1,415 |
| Equity capital to assets | 10.4479% | 1,589 |
| Core capital (leverage) ratio | 12.9333% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5376% | 606 |
| Memoranda: | ||
| Average total assets | $27,103,000 | 4,594 |
| Average earning assets | $25,380,000 | 4,563 |
| Average equity | $2,874,500 | 4,547 |
| Average total loans | $13,946,000 | 4,472 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 2,616 |
| Cost of funding earning assets | 0.1771% | 3,934 |
| Net interest margin | 3.4918% | 1,954 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.2848% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7665% | 3,433 |
| Return on assets (ROA) | 0.7665% | 3,374 |
| Pretax return on assets | 1.0767% | 2,843 |
| Return on Equity (ROE) | 7.4900% | 3,525 |
| Retained earnings to average equity (ytd only) | 5.3480% | 2,897 |
| Net charge-offs to loans | -0.0071% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.9696% | 1,970 |
| Assets per employee ($millions) | 5.2324% | 3,485 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,180 |
| Loan loss allowance to noncurrent loans | 7,400.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 466 |
| Noncurrent loans to loans | 0.0140% | 3,736 |
| Net loans and leases to total assets | 54.1600% | 3,186 |
| Net loans and leases to deposits | 61.0549% | 3,268 |
| Net loans and leases to core deposits | 61.0549% | 3,445 |
| Total domestic deposits to total assets | 88.7000% | 1,814 |
| Equity capital to assets | 10.7752% | 1,345 |
| Core capital (leverage) ratio | 11.0734% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9253% | 726 |
| Memoranda: | ||
| Average total assets | $27,398,800 | 4,623 |
| Average earning assets | $25,402,400 | 4,594 |
| Average equity | $2,804,800 | 4,626 |
| Average total loans | $14,012,000 | 4,502 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 2,847 |
| Cost of funding earning assets | 0.1717% | 3,601 |
| Net interest margin | 3.2528% | 2,447 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.2279% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6833% | 3,609 |
| Return on assets (ROA) | 0.6833% | 3,571 |
| Pretax return on assets | 0.9095% | 3,287 |
| Return on Equity (ROE) | 6.7600% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.7587% | 2,461 |
| Net charge-offs to loans | -0.0096% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.0123% | 1,641 |
| Assets per employee ($millions) | 5.4988% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,354 |
| Loan loss allowance to noncurrent loans | 7,400.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 543 |
| Noncurrent loans to loans | 0.0139% | 3,833 |
| Net loans and leases to total assets | 51.7900% | 3,296 |
| Net loans and leases to deposits | 57.8727% | 3,353 |
| Net loans and leases to core deposits | 57.8727% | 3,512 |
| Total domestic deposits to total assets | 89.4900% | 1,878 |
| Equity capital to assets | 10.2277% | 1,504 |
| Core capital (leverage) ratio | 10.2624% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4879% | 791 |
| Memoranda: | ||
| Average total assets | $27,708,000 | 4,656 |
| Average earning assets | $25,618,500 | 4,631 |
| Average equity | $2,801,250 | 4,666 |
| Average total loans | $13,935,750 | 4,535 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1734% | 3,135 |
| Cost of funding earning assets | 0.1641% | 3,386 |
| Net interest margin | 3.0093% | 2,844 |
| Noninterest income to average assets | 0.1296% | 4,356 |
| Noninterest expense to average assets | 2.1815% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4968% | 3,900 |
| Return on assets (ROA) | 0.4968% | 3,855 |
| Pretax return on assets | 0.7200% | 3,527 |
| Return on Equity (ROE) | 4.9327% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.9327% | 2,731 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1861% | 1,369 |
| Assets per employee ($millions) | 5.9610% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 642 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.7338% | 3,663 |
| Net loans and leases to deposits | 51.6501% | 3,714 |
| Net loans and leases to core deposits | 51.6501% | 3,838 |
| Total domestic deposits to total assets | 90.4815% | 1,476 |
| Equity capital to assets | 9.3508% | 2,130 |
| Core capital (leverage) ratio | 9.9031% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0251% | 850 |
| Memoranda: | ||
| Average total assets | $27,779,333 | 4,693 |
| Average earning assets | $25,587,667 | 4,678 |
| Average equity | $2,797,667 | 4,700 |
| Average total loans | $13,785,333 | 4,601 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 2,756 |
| Cost of funding earning assets | 0.1820% | 3,060 |
| Net interest margin | 2.9954% | 2,517 |
| Noninterest income to average assets | 0.1345% | 4,341 |
| Noninterest expense to average assets | 2.3014% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3138% | 4,117 |
| Return on assets (ROA) | 0.3138% | 4,085 |
| Pretax return on assets | 0.5380% | 3,792 |
| Return on Equity (ROE) | 2.9968% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.9968% | 3,265 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0526% | 1,065 |
| Assets per employee ($millions) | 5.8870% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,413 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 654 |
| Noncurrent loans to loans | 0.0221% | 3,834 |
| Net loans and leases to total assets | 45.6973% | 3,610 |
| Net loans and leases to deposits | 50.4974% | 3,696 |
| Net loans and leases to core deposits | 50.4974% | 3,844 |
| Total domestic deposits to total assets | 90.4943% | 1,303 |
| Equity capital to assets | 9.4513% | 2,324 |
| Core capital (leverage) ratio | 10.5967% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,766,500 | 4,726 |
| Average earning assets | $24,170,000 | 4,713 |
| Average equity | $2,803,000 | 4,728 |
| Average total loans | $13,640,000 | 4,626 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5293% | 2,578 |
| Cost of funding earning assets | 0.2096% | 3,371 |
| Net interest margin | 3.3197% | 2,258 |
| Noninterest income to average assets | 0.1157% | 4,545 |
| Noninterest expense to average assets | 2.1940% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6825% | 3,665 |
| Return on assets (ROA) | 0.6825% | 3,720 |
| Pretax return on assets | 0.9139% | 3,479 |
| Return on Equity (ROE) | 6.3377% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.1893% | 3,145 |
| Net charge-offs to loans | 0.2304% | 402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 7.1818% | 2,356 |
| Efficiency ratio | 70.5955% | 1,669 |
| Assets per employee ($millions) | 4.8196% | 3,868 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,458 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 539 |
| Noncurrent loans to loans | 0.0219% | 3,909 |
| Net loans and leases to total assets | 56.1665% | 2,584 |
| Net loans and leases to deposits | 63.8986% | 2,695 |
| Net loans and leases to core deposits | 63.8986% | 2,985 |
| Total domestic deposits to total assets | 87.8994% | 2,099 |
| Equity capital to assets | 11.7188% | 1,382 |
| Core capital (leverage) ratio | 11.3786% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7052% | 685 |
| Memoranda: | ||
| Average total assets | $25,934,200 | 4,772 |
| Average earning assets | $23,375,800 | 4,760 |
| Average equity | $2,792,800 | 4,773 |
| Average total loans | $14,325,800 | 4,664 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4889% | 2,862 |
| Cost of funding earning assets | 0.2128% | 3,487 |
| Net interest margin | 3.2761% | 2,491 |
| Noninterest income to average assets | 0.1111% | 4,623 |
| Noninterest expense to average assets | 2.1166% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6062% | 3,998 |
| Return on assets (ROA) | 0.6062% | 4,045 |
| Pretax return on assets | 0.9497% | 3,585 |
| Return on Equity (ROE) | 5.7449% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.7449% | 2,936 |
| Net charge-offs to loans | 0.3037% | 255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.6970% | 2,214 |
| Efficiency ratio | 69.0280% | 1,700 |
| Assets per employee ($millions) | 5.0020% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,675 |
| Loan loss allowance to noncurrent loans | 1,837.5000% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 664 |
| Noncurrent loans to loans | 0.0570% | 3,818 |
| Net loans and leases to total assets | 55.5018% | 2,786 |
| Net loans and leases to deposits | 62.8469% | 2,967 |
| Net loans and leases to core deposits | 62.8469% | 3,233 |
| Total domestic deposits to total assets | 88.3127% | 1,660 |
| Equity capital to assets | 11.3715% | 1,759 |
| Core capital (leverage) ratio | 10.4025% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4121% | 760 |
| Memoranda: | ||
| Average total assets | $26,393,250 | 4,838 |
| Average earning assets | $23,808,000 | 4,828 |
| Average equity | $2,785,000 | 4,846 |
| Average total loans | $14,486,750 | 4,733 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 3,183 |
| Cost of funding earning assets | 0.2115% | 3,641 |
| Net interest margin | 3.1888% | 2,784 |
| Noninterest income to average assets | 0.1043% | 4,675 |
| Noninterest expense to average assets | 2.0704% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6107% | 3,958 |
| Return on assets (ROA) | 0.6107% | 4,015 |
| Pretax return on assets | 0.9533% | 3,538 |
| Return on Equity (ROE) | 5.9306% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9306% | 2,830 |
| Net charge-offs to loans | 0.4508% | 189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.8788% | 2,052 |
| Efficiency ratio | 68.4729% | 1,823 |
| Assets per employee ($millions) | 5.6764% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,701 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 881 |
| Noncurrent loans to loans | 0.0633% | 3,868 |
| Net loans and leases to total assets | 49.5807% | 3,597 |
| Net loans and leases to deposits | 55.1584% | 3,778 |
| Net loans and leases to core deposits | 55.1584% | 3,955 |
| Total domestic deposits to total assets | 89.8880% | 832 |
| Equity capital to assets | 9.8760% | 2,974 |
| Core capital (leverage) ratio | 9.6899% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3882% | 900 |
| Memoranda: | ||
| Average total assets | $26,854,333 | 4,868 |
| Average earning assets | $24,586,333 | 4,856 |
| Average equity | $2,765,333 | 4,880 |
| Average total loans | $14,639,667 | 4,762 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 3,036 |
| Cost of funding earning assets | 0.2143% | 3,784 |
| Net interest margin | 3.2478% | 2,553 |
| Noninterest income to average assets | 0.1227% | 4,582 |
| Noninterest expense to average assets | 2.1617% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6286% | 3,868 |
| Return on assets (ROA) | 0.6286% | 3,939 |
| Pretax return on assets | 0.9812% | 3,428 |
| Return on Equity (ROE) | 5.9712% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.9712% | 2,913 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7805% | 1,838 |
| Assets per employee ($millions) | 5.7352% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,690 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 481 |
| Noncurrent assets plus other real estate owned to assets | 1.3391% | 517 |
| Noncurrent loans to loans | 0.0830% | 3,886 |
| Net loans and leases to total assets | 49.7873% | 3,647 |
| Net loans and leases to deposits | 55.2366% | 3,847 |
| Net loans and leases to core deposits | 55.2366% | 4,028 |
| Total domestic deposits to total assets | 90.1346% | 757 |
| Equity capital to assets | 9.6248% | 3,073 |
| Core capital (leverage) ratio | 10.4055% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9564% | 936 |
| Memoranda: | ||
| Average total assets | $26,090,500 | 4,902 |
| Average earning assets | $24,262,500 | 4,882 |
| Average equity | $2,746,500 | 4,904 |
| Average total loans | $14,850,000 | 4,787 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 1,396 |
| Cost of funding earning assets | 0.2803% | 4,244 |
| Net interest margin | 4.1858% | 657 |
| Noninterest income to average assets | 0.1331% | 4,621 |
| Noninterest expense to average assets | 2.5382% | 2,725 |
| Loan and lease loss provision to assets | 0.0577% | 3,647 |
| Net operating income to assets | 1.0162% | 2,232 |
| Return on assets (ROA) | 1.0162% | 2,374 |
| Pretax return on assets | 1.3800% | 1,722 |
| Return on Equity (ROE) | 8.5086% | 2,601 |
| Retained earnings to average equity (ytd only) | 5.1646% | 2,207 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8393% | 2,852 |
| Assets per employee ($millions) | 4.7010% | 3,716 |
| Cash dividends to net income (ytd only)* | 39.3013% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 3,053 |
| Loan loss allowance to noncurrent loans | 125.8741% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.6124% | 429 |
| Noncurrent loans to loans | 0.9381% | 1,502 |
| Net loans and leases to total assets | 64.0842% | 2,351 |
| Net loans and leases to deposits | 72.9761% | 2,591 |
| Net loans and leases to core deposits | 72.9761% | 3,002 |
| Total domestic deposits to total assets | 87.8154% | 1,568 |
| Equity capital to assets | 11.6273% | 1,790 |
| Core capital (leverage) ratio | 11.4291% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6957% | 946 |
| Memoranda: | ||
| Average total assets | $22,535,800 | 4,938 |
| Average earning assets | $20,688,800 | 4,922 |
| Average equity | $2,691,400 | 4,926 |
| Average total loans | $15,063,800 | 4,806 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,467 |
| Cost of funding earning assets | 0.2934% | 4,339 |
| Net interest margin | 4.2511% | 654 |
| Noninterest income to average assets | 0.1316% | 4,633 |
| Noninterest expense to average assets | 2.5896% | 2,561 |
| Loan and lease loss provision to assets | 0.0179% | 4,108 |
| Net operating income to assets | 0.9748% | 2,432 |
| Return on assets (ROA) | 0.9748% | 2,567 |
| Pretax return on assets | 1.4234% | 1,658 |
| Return on Equity (ROE) | 8.1062% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.1062% | 1,269 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2433% | 2,695 |
| Assets per employee ($millions) | 4.6828% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,089 |
| Loan loss allowance to noncurrent loans | 122.3022% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 1,950 |
| Noncurrent loans to loans | 0.9171% | 1,626 |
| Net loans and leases to total assets | 64.0044% | 2,771 |
| Net loans and leases to deposits | 72.9033% | 3,045 |
| Net loans and leases to core deposits | 72.9033% | 3,403 |
| Total domestic deposits to total assets | 87.7936% | 1,303 |
| Equity capital to assets | 11.7793% | 1,818 |
| Core capital (leverage) ratio | 11.5869% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8024% | 940 |
| Memoranda: | ||
| Average total assets | $22,293,500 | 4,969 |
| Average earning assets | $20,449,000 | 4,953 |
| Average equity | $2,681,000 | 4,956 |
| Average total loans | $15,019,000 | 4,837 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 1,408 |
| Cost of funding earning assets | 0.3013% | 4,480 |
| Net interest margin | 4.3983% | 618 |
| Noninterest income to average assets | 0.1460% | 4,575 |
| Noninterest expense to average assets | 2.6004% | 2,665 |
| Loan and lease loss provision to assets | 0.0274% | 3,910 |
| Net operating income to assets | 1.0584% | 2,111 |
| Return on assets (ROA) | 1.0584% | 2,247 |
| Pretax return on assets | 1.5146% | 1,418 |
| Return on Equity (ROE) | 8.7371% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.7371% | 1,093 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7753% | 2,992 |
| Assets per employee ($millions) | 4.6818% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 2,825 |
| Loan loss allowance to noncurrent loans | 119.7183% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 1,986 |
| Noncurrent loans to loans | 0.9530% | 1,622 |
| Net loans and leases to total assets | 62.9245% | 3,018 |
| Net loans and leases to deposits | 71.4632% | 3,310 |
| Net loans and leases to core deposits | 71.4632% | 3,621 |
| Total domestic deposits to total assets | 88.0516% | 1,147 |
| Equity capital to assets | 11.5810% | 1,917 |
| Core capital (leverage) ratio | 11.8607% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8769% | 922 |
| Memoranda: | ||
| Average total assets | $21,920,000 | 5,000 |
| Average earning assets | $19,916,667 | 4,987 |
| Average equity | $2,655,333 | 4,988 |
| Average total loans | $14,973,333 | 4,867 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 1,010 |
| Cost of funding earning assets | 0.3165% | 4,605 |
| Net interest margin | 4.6631% | 367 |
| Noninterest income to average assets | 0.1889% | 4,421 |
| Noninterest expense to average assets | 2.7201% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1901% | 1,546 |
| Return on assets (ROA) | 1.1901% | 1,663 |
| Pretax return on assets | 1.6434% | 971 |
| Return on Equity (ROE) | 9.5909% | 1,880 |
| Retained earnings to average equity (ytd only) | 9.5909% | 828 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3377% | 3,460 |
| Assets per employee ($millions) | 4.3158% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,065 |
| Loan loss allowance to noncurrent loans | 49.7024% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.5571% | 677 |
| Noncurrent loans to loans | 2.2680% | 564 |
| Net loans and leases to total assets | 67.8808% | 2,563 |
| Net loans and leases to deposits | 77.7742% | 2,910 |
| Net loans and leases to core deposits | 77.7742% | 3,366 |
| Total domestic deposits to total assets | 87.2793% | 1,434 |
| Equity capital to assets | 12.3129% | 1,855 |
| Core capital (leverage) ratio | 12.3981% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0047% | 985 |
| Memoranda: | ||
| Average total assets | $21,175,500 | 5,050 |
| Average earning assets | $18,957,500 | 5,039 |
| Average equity | $2,627,500 | 5,038 |
| Average total loans | $15,010,000 | 4,903 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 1,211 |
| Cost of funding earning assets | 0.2948% | 4,741 |
| Net interest margin | 4.8066% | 391 |
| Noninterest income to average assets | 0.1915% | 4,520 |
| Noninterest expense to average assets | 2.8059% | 2,579 |
| Loan and lease loss provision to assets | 0.0479% | 3,069 |
| Net operating income to assets | 1.2784% | 1,778 |
| Return on assets (ROA) | 1.2784% | 1,851 |
| Pretax return on assets | 1.7094% | 1,164 |
| Return on Equity (ROE) | 10.5193% | 2,078 |
| Retained earnings to average equity (ytd only) | 6.7765% | 1,491 |
| Net charge-offs to loans | 0.0512% | 2,382 |
| Credit loss provision to net charge-offs | 125.0000% | 2,040 |
| Earnings coverage of net charge-offs (x) | 45.8750% | 1,199 |
| Efficiency ratio | 61.4900% | 3,455 |
| Assets per employee ($millions) | 4.1544% | 3,693 |
| Cash dividends to net income (ytd only)* | 35.5805% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 2,966 |
| Loan loss allowance to noncurrent loans | 91.2568% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 1,446 |
| Noncurrent loans to loans | 1.2036% | 1,251 |
| Net loans and leases to total assets | 72.3955% | 2,025 |
| Net loans and leases to deposits | 83.5073% | 2,384 |
| Net loans and leases to core deposits | 83.5073% | 2,999 |
| Total domestic deposits to total assets | 86.6936% | 1,757 |
| Equity capital to assets | 12.5072% | 1,812 |
| Core capital (leverage) ratio | 12.3011% | 1,591 |
| Tier 1 risk-based capital ratio | 17.2458% | 1,982 |
| Total risk-based capital ratio | 18.3748% | 1,948 |
| Memoranda: | ||
| Average total assets | $20,884,800 | 5,109 |
| Average earning assets | $18,994,800 | 5,098 |
| Average equity | $2,538,200 | 5,100 |
| Average total loans | $15,611,200 | 4,955 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 1,340 |
| Cost of funding earning assets | 0.2863% | 4,825 |
| Net interest margin | 4.7904% | 423 |
| Noninterest income to average assets | 0.1658% | 4,723 |
| Noninterest expense to average assets | 2.7861% | 2,601 |
| Loan and lease loss provision to assets | 0.0319% | 3,269 |
| Net operating income to assets | 1.2177% | 2,132 |
| Return on assets (ROA) | 1.2177% | 2,209 |
| Pretax return on assets | 1.7214% | 1,279 |
| Return on Equity (ROE) | 10.0925% | 2,394 |
| Retained earnings to average equity (ytd only) | 10.0925% | 727 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3764% | 3,425 |
| Assets per employee ($millions) | 4.1972% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,095 |
| Loan loss allowance to noncurrent loans | 94.4444% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 1,594 |
| Noncurrent loans to loans | 1.1511% | 1,373 |
| Net loans and leases to total assets | 73.7015% | 1,872 |
| Net loans and leases to deposits | 84.7600% | 2,347 |
| Net loans and leases to core deposits | 84.7600% | 3,015 |
| Total domestic deposits to total assets | 86.9532% | 1,543 |
| Equity capital to assets | 12.4750% | 1,932 |
| Core capital (leverage) ratio | 12.4322% | 1,609 |
| Tier 1 risk-based capital ratio | 16.7581% | 2,163 |
| Total risk-based capital ratio | 17.8683% | 2,150 |
| Memoranda: | ||
| Average total assets | $20,913,000 | 5,187 |
| Average earning assets | $19,093,250 | 5,176 |
| Average equity | $2,523,250 | 5,178 |
| Average total loans | $15,712,750 | 5,029 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 1,292 |
| Cost of funding earning assets | 0.2825% | 4,872 |
| Net interest margin | 4.7916% | 413 |
| Noninterest income to average assets | 0.1532% | 4,813 |
| Noninterest expense to average assets | 2.8053% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2351% | 2,027 |
| Return on assets (ROA) | 1.2351% | 2,078 |
| Pretax return on assets | 1.7330% | 1,209 |
| Return on Equity (ROE) | 10.3545% | 2,233 |
| Retained earnings to average equity (ytd only) | 10.3545% | 663 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8143% | 3,466 |
| Assets per employee ($millions) | 4.1040% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,355 |
| Loan loss allowance to noncurrent loans | 52.8846% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.5205% | 736 |
| Noncurrent loans to loans | 1.9788% | 728 |
| Net loans and leases to total assets | 76.0331% | 1,543 |
| Net loans and leases to deposits | 87.2986% | 2,084 |
| Net loans and leases to core deposits | 87.2986% | 2,864 |
| Total domestic deposits to total assets | 87.0955% | 1,555 |
| Equity capital to assets | 12.4610% | 1,882 |
| Core capital (leverage) ratio | 12.0292% | 1,808 |
| Tier 1 risk-based capital ratio | 16.4745% | 2,247 |
| Total risk-based capital ratio | 17.5614% | 2,249 |
| Memoranda: | ||
| Average total assets | $20,888,670 | 5,232 |
| Average earning assets | $19,116,670 | 5,223 |
| Average equity | $2,491,670 | 5,218 |
| Average total loans | $15,738,000 | 5,073 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 1,425 |
| Cost of funding earning assets | 0.2514% | 4,975 |
| Net interest margin | 4.7134% | 478 |
| Noninterest income to average assets | 0.1519% | 4,833 |
| Noninterest expense to average assets | 2.7334% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2148% | 2,004 |
| Return on assets (ROA) | 1.2148% | 2,052 |
| Pretax return on assets | 1.6894% | 1,239 |
| Return on Equity (ROE) | 10.4107% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.4107% | 943 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8026% | 3,563 |
| Assets per employee ($millions) | 4.2008% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,331 |
| Loan loss allowance to noncurrent loans | 115.3846% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 2,058 |
| Noncurrent loans to loans | 0.9234% | 1,810 |
| Net loans and leases to total assets | 72.9432% | 1,999 |
| Net loans and leases to deposits | 83.1533% | 2,488 |
| Net loans and leases to core deposits | 83.1533% | 3,097 |
| Total domestic deposits to total assets | 87.7214% | 1,467 |
| Equity capital to assets | 11.8644% | 2,108 |
| Core capital (leverage) ratio | 11.7698% | 1,925 |
| Tier 1 risk-based capital ratio | 16.4480% | 2,287 |
| Total risk-based capital ratio | 17.5639% | 2,279 |
| Memoranda: | ||
| Average total assets | $21,073,000 | 5,285 |
| Average earning assets | $19,094,500 | 5,278 |
| Average equity | $2,459,000 | 5,275 |
| Average total loans | $15,723,500 | 5,136 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9156% | 1,239 |
| Cost of funding earning assets | 0.2670% | 4,727 |
| Net interest margin | 4.6486% | 545 |
| Noninterest income to average assets | 0.2158% | 4,619 |
| Noninterest expense to average assets | 2.7672% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2421% | 2,004 |
| Return on assets (ROA) | 1.2421% | 1,996 |
| Pretax return on assets | 1.7073% | 1,151 |
| Return on Equity (ROE) | 10.8933% | 2,130 |
| Retained earnings to average equity (ytd only) | 6.6874% | 1,829 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8435% | 3,562 |
| Assets per employee ($millions) | 4.2284% | 3,573 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,481 |
| Loan loss allowance to noncurrent loans | 116.1972% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 2,045 |
| Noncurrent loans to loans | 0.8897% | 1,809 |
| Net loans and leases to total assets | 74.7138% | 1,809 |
| Net loans and leases to deposits | 85.2363% | 2,382 |
| Net loans and leases to core deposits | 85.2363% | 2,979 |
| Total domestic deposits to total assets | 87.6549% | 1,466 |
| Equity capital to assets | 11.4748% | 2,270 |
| Core capital (leverage) ratio | 11.7189% | 1,936 |
| Tier 1 risk-based capital ratio | 15.4072% | 2,662 |
| Total risk-based capital ratio | 16.4821% | 2,663 |
| Memoranda: | ||
| Average total assets | $20,851,400 | 5,332 |
| Average earning assets | $19,102,600 | 5,324 |
| Average equity | $2,377,600 | 5,329 |
| Average total loans | $15,628,800 | 5,178 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 1,248 |
| Cost of funding earning assets | 0.2517% | 4,775 |
| Net interest margin | 4.6150% | 577 |
| Noninterest income to average assets | 0.2246% | 4,625 |
| Noninterest expense to average assets | 2.7271% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2641% | 1,981 |
| Return on assets (ROA) | 1.2641% | 1,991 |
| Pretax return on assets | 1.7325% | 1,199 |
| Return on Equity (ROE) | 11.1038% | 2,139 |
| Retained earnings to average equity (ytd only) | 11.1038% | 631 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1511% | 3,641 |
| Assets per employee ($millions) | 4.0080% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,454 |
| Loan loss allowance to noncurrent loans | 92.1788% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 1,652 |
| Noncurrent loans to loans | 1.1411% | 1,485 |
| Net loans and leases to total assets | 77.4551% | 1,423 |
| Net loans and leases to deposits | 88.8444% | 2,043 |
| Net loans and leases to core deposits | 88.8444% | 2,759 |
| Total domestic deposits to total assets | 87.1806% | 1,647 |
| Equity capital to assets | 12.2904% | 1,705 |
| Core capital (leverage) ratio | 11.7670% | 1,942 |
| Tier 1 risk-based capital ratio | 16.0584% | 2,426 |
| Total risk-based capital ratio | 17.1633% | 2,414 |
| Memoranda: | ||
| Average total assets | $20,778,750 | 5,405 |
| Average earning assets | $19,068,000 | 5,394 |
| Average equity | $2,365,500 | 5,397 |
| Average total loans | $15,545,750 | 5,244 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 1,213 |
| Cost of funding earning assets | 0.2517% | 4,737 |
| Net interest margin | 4.5627% | 601 |
| Noninterest income to average assets | 0.2283% | 4,654 |
| Noninterest expense to average assets | 2.6825% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2176% | 2,114 |
| Return on assets (ROA) | 1.2176% | 2,110 |
| Pretax return on assets | 1.6837% | 1,258 |
| Return on Equity (ROE) | 10.9730% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.9730% | 678 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4379% | 3,704 |
| Assets per employee ($millions) | 4.2052% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,502 |
| Loan loss allowance to noncurrent loans | 687.5000% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,424 |
| Noncurrent loans to loans | 0.1537% | 4,215 |
| Net loans and leases to total assets | 73.4995% | 2,030 |
| Net loans and leases to deposits | 83.3459% | 2,607 |
| Net loans and leases to core deposits | 83.3459% | 3,136 |
| Total domestic deposits to total assets | 88.1861% | 1,280 |
| Equity capital to assets | 11.4002% | 2,266 |
| Core capital (leverage) ratio | 14.7347% | 732 |
| Tier 1 risk-based capital ratio | 16.6192% | 2,220 |
| Total risk-based capital ratio | 17.7660% | 2,198 |
| Memoranda: | ||
| Average total assets | $21,025,000 | 5,467 |
| Average earning assets | $19,067,670 | 5,458 |
| Average equity | $2,333,000 | 5,463 |
| Average total loans | $15,498,670 | 5,307 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 1,380 |
| Cost of funding earning assets | 0.2513% | 4,702 |
| Net interest margin | 4.4186% | 736 |
| Noninterest income to average assets | 0.2854% | 4,265 |
| Noninterest expense to average assets | 2.7397% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0844% | 2,499 |
| Return on assets (ROA) | 1.0844% | 2,517 |
| Pretax return on assets | 1.5601% | 1,497 |
| Return on Equity (ROE) | 9.9087% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.9087% | 1,190 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7168% | 3,522 |
| Assets per employee ($millions) | 4.3010% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.0070% | 2,488 |
| Net loans and leases to deposits | 78.9460% | 2,923 |
| Net loans and leases to core deposits | 78.9460% | 3,409 |
| Total domestic deposits to total assets | 88.6771% | 1,269 |
| Equity capital to assets | 10.8254% | 2,747 |
| Core capital (leverage) ratio | 11.1657% | 2,269 |
| Tier 1 risk-based capital ratio | 16.0832% | 2,432 |
| Total risk-based capital ratio | 17.2270% | 2,426 |
| Memoranda: | ||
| Average total assets | $21,024,500 | 5,528 |
| Average earning assets | $19,101,000 | 5,520 |
| Average equity | $2,301,000 | 5,526 |
| Average total loans | $15,438,500 | 5,369 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 1,106 |
| Cost of funding earning assets | 0.2535% | 4,532 |
| Net interest margin | 4.4827% | 638 |
| Noninterest income to average assets | 0.4681% | 3,205 |
| Noninterest expense to average assets | 2.6654% | 3,243 |
| Loan and lease loss provision to assets | 0.0985% | 2,255 |
| Net operating income to assets | 1.3155% | 1,187 |
| Return on assets (ROA) | 1.3155% | 1,203 |
| Pretax return on assets | 1.7983% | 796 |
| Return on Equity (ROE) | 11.9495% | 1,227 |
| Retained earnings to average equity (ytd only) | 7.4740% | 929 |
| Net charge-offs to loans | 0.0991% | 2,086 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,703 |
| Efficiency ratio | 58.4233% | 4,480 |
| Assets per employee ($millions) | 4.1088% | 3,797 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,602 |
| Loan loss allowance to noncurrent loans | 343.7500% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 3,970 |
| Noncurrent loans to loans | 0.3066% | 3,682 |
| Net loans and leases to total assets | 75.4089% | 1,693 |
| Net loans and leases to deposits | 85.9711% | 2,264 |
| Net loans and leases to core deposits | 85.9711% | 2,909 |
| Total domestic deposits to total assets | 87.7142% | 1,652 |
| Equity capital to assets | 11.0689% | 2,565 |
| Core capital (leverage) ratio | 11.0154% | 2,320 |
| Tier 1 risk-based capital ratio | 15.5693% | 2,596 |
| Total risk-based capital ratio | 16.7045% | 2,578 |
| Memoranda: | ||
| Average total assets | $20,296,800 | 5,601 |
| Average earning assets | $18,537,800 | 5,590 |
| Average equity | $2,234,400 | 5,589 |
| Average total loans | $15,142,400 | 5,435 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 1,082 |
| Cost of funding earning assets | 0.2461% | 4,598 |
| Net interest margin | 4.4801% | 628 |
| Noninterest income to average assets | 0.4547% | 3,309 |
| Noninterest expense to average assets | 2.5631% | 3,526 |
| Loan and lease loss provision to assets | 0.0856% | 2,380 |
| Net operating income to assets | 1.3639% | 1,173 |
| Return on assets (ROA) | 1.3639% | 1,187 |
| Pretax return on assets | 1.8845% | 712 |
| Return on Equity (ROE) | 12.4068% | 1,212 |
| Retained earnings to average equity (ytd only) | 12.4068% | 266 |
| Net charge-offs to loans | 0.1332% | 1,462 |
| Credit loss provision to net charge-offs | 86.6667% | 2,503 |
| Earnings coverage of net charge-offs (x) | 19.9330% | 1,978 |
| Efficiency ratio | 56.5407% | 4,673 |
| Assets per employee ($millions) | 4.0408% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,776 |
| Loan loss allowance to noncurrent loans | 161.2245% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 3,114 |
| Noncurrent loans to loans | 0.6529% | 2,754 |
| Net loans and leases to total assets | 73.5151% | 1,998 |
| Net loans and leases to deposits | 83.5518% | 2,605 |
| Net loans and leases to core deposits | 83.5518% | 3,173 |
| Total domestic deposits to total assets | 87.9875% | 1,372 |
| Equity capital to assets | 11.5274% | 2,334 |
| Core capital (leverage) ratio | 11.3030% | 2,183 |
| Tier 1 risk-based capital ratio | 16.4548% | 2,338 |
| Total risk-based capital ratio | 17.5832% | 2,323 |
| Memoranda: | ||
| Average total assets | $20,235,000 | 5,666 |
| Average earning assets | $18,421,500 | 5,656 |
| Average equity | $2,224,500 | 5,654 |
| Average total loans | $15,013,750 | 5,497 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 1,036 |
| Cost of funding earning assets | 0.2393% | 4,647 |
| Net interest margin | 4.4714% | 603 |
| Noninterest income to average assets | 0.4544% | 3,324 |
| Noninterest expense to average assets | 2.6969% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3040% | 1,285 |
| Return on assets (ROA) | 1.3040% | 1,307 |
| Pretax return on assets | 1.8177% | 805 |
| Return on Equity (ROE) | 12.0566% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.0566% | 314 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7374% | 4,352 |
| Assets per employee ($millions) | 4.0962% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,841 |
| Loan loss allowance to noncurrent loans | 71.4286% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 1,598 |
| Noncurrent loans to loans | 1.4719% | 1,282 |
| Net loans and leases to total assets | 73.5218% | 1,957 |
| Net loans and leases to deposits | 83.0237% | 2,598 |
| Net loans and leases to core deposits | 83.0237% | 3,172 |
| Total domestic deposits to total assets | 88.5552% | 1,172 |
| Equity capital to assets | 11.0151% | 2,790 |
| Core capital (leverage) ratio | 10.8499% | 2,551 |
| Tier 1 risk-based capital ratio | 15.5136% | 2,702 |
| Total risk-based capital ratio | 16.6272% | 2,706 |
| Memoranda: | ||
| Average total assets | $20,245,330 | 5,713 |
| Average earning assets | $18,383,330 | 5,703 |
| Average equity | $2,189,670 | 5,703 |
| Average total loans | $15,014,670 | 5,543 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 1,160 |
| Cost of funding earning assets | 0.2417% | 4,614 |
| Net interest margin | 4.3512% | 704 |
| Noninterest income to average assets | 0.5366% | 2,727 |
| Noninterest expense to average assets | 2.5835% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3911% | 1,018 |
| Return on assets (ROA) | 1.3911% | 1,050 |
| Pretax return on assets | 1.8880% | 657 |
| Return on Equity (ROE) | 12.9840% | 1,002 |
| Retained earnings to average equity (ytd only) | 12.9840% | 378 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7778% | 4,742 |
| Assets per employee ($millions) | 4.1726% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,855 |
| Loan loss allowance to noncurrent loans | 70.7965% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 1,645 |
| Noncurrent loans to loans | 1.5184% | 1,308 |
| Net loans and leases to total assets | 70.5747% | 2,282 |
| Net loans and leases to deposits | 79.3105% | 2,831 |
| Net loans and leases to core deposits | 79.3105% | 3,354 |
| Total domestic deposits to total assets | 88.9853% | 1,147 |
| Equity capital to assets | 10.5114% | 3,175 |
| Core capital (leverage) ratio | 10.7913% | 2,605 |
| Tier 1 risk-based capital ratio | 15.3102% | 2,832 |
| Total risk-based capital ratio | 16.4406% | 2,814 |
| Memoranda: | ||
| Average total assets | $20,127,500 | 5,783 |
| Average earning assets | $18,202,000 | 5,773 |
| Average equity | $2,156,500 | 5,772 |
| Average total loans | $14,913,000 | 5,609 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 1,068 |
| Cost of funding earning assets | 0.2468% | 4,595 |
| Net interest margin | 4.4487% | 686 |
| Noninterest income to average assets | 0.4185% | 3,747 |
| Noninterest expense to average assets | 2.7951% | 3,036 |
| Loan and lease loss provision to assets | 0.0827% | 2,705 |
| Net operating income to assets | 1.1707% | 1,603 |
| Return on assets (ROA) | 1.1780% | 1,675 |
| Pretax return on assets | 1.6482% | 1,141 |
| Return on Equity (ROE) | 10.8747% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.1051% | 1,653 |
| Net charge-offs to loans | 0.0281% | 3,467 |
| Credit loss provision to net charge-offs | 400.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 83.2500% | 695 |
| Efficiency ratio | 61.8993% | 4,272 |
| Assets per employee ($millions) | 3.8784% | 4,176 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,881 |
| Loan loss allowance to noncurrent loans | 65.3061% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 1,411 |
| Noncurrent loans to loans | 1.6397% | 1,187 |
| Net loans and leases to total assets | 76.2273% | 1,476 |
| Net loans and leases to deposits | 86.4849% | 2,104 |
| Net loans and leases to core deposits | 86.4849% | 2,811 |
| Total domestic deposits to total assets | 88.1394% | 1,568 |
| Equity capital to assets | 10.9323% | 2,683 |
| Core capital (leverage) ratio | 10.7456% | 2,602 |
| Tier 1 risk-based capital ratio | 15.9625% | 2,564 |
| Total risk-based capital ratio | 17.1805% | 2,512 |
| Memoranda: | ||
| Average total assets | $19,355,000 | 5,846 |
| Average earning assets | $17,825,600 | 5,828 |
| Average equity | $2,096,600 | 5,838 |
| Average total loans | $14,257,600 | 5,677 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,316 |
| Cost of funding earning assets | 0.2473% | 4,626 |
| Net interest margin | 4.3394% | 863 |
| Noninterest income to average assets | 0.5031% | 3,228 |
| Noninterest expense to average assets | 2.7430% | 3,202 |
| Loan and lease loss provision to assets | 0.0758% | 2,707 |
| Net operating income to assets | 1.2099% | 1,613 |
| Return on assets (ROA) | 1.2199% | 1,661 |
| Pretax return on assets | 1.6885% | 1,143 |
| Return on Equity (ROE) | 11.2873% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.2873% | 389 |
| Net charge-offs to loans | 0.0190% | 3,331 |
| Credit loss provision to net charge-offs | 550.0000% | 657 |
| Earnings coverage of net charge-offs (x) | 126.8390% | 545 |
| Efficiency ratio | 61.0429% | 4,383 |
| Assets per employee ($millions) | 3.8512% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 4,134 |
| Loan loss allowance to noncurrent loans | 109.7902% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 2,702 |
| Noncurrent loans to loans | 0.9550% | 2,337 |
| Net loans and leases to total assets | 76.9474% | 1,374 |
| Net loans and leases to deposits | 87.4005% | 2,095 |
| Net loans and leases to core deposits | 87.4005% | 2,813 |
| Total domestic deposits to total assets | 88.0401% | 1,386 |
| Equity capital to assets | 11.3419% | 2,666 |
| Core capital (leverage) ratio | 10.9512% | 2,501 |
| Tier 1 risk-based capital ratio | 15.0713% | 3,019 |
| Total risk-based capital ratio | 16.1739% | 3,014 |
| Memoranda: | ||
| Average total assets | $19,345,750 | 5,909 |
| Average earning assets | $17,790,000 | 5,894 |
| Average equity | $2,090,750 | 5,901 |
| Average total loans | $14,086,500 | 5,741 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 1,614 |
| Cost of funding earning assets | 0.2483% | 4,678 |
| Net interest margin | 4.2207% | 1,075 |
| Noninterest income to average assets | 0.4335% | 3,644 |
| Noninterest expense to average assets | 2.7560% | 3,177 |
| Loan and lease loss provision to assets | 0.0516% | 3,115 |
| Net operating income to assets | 1.0384% | 2,224 |
| Return on assets (ROA) | 1.0529% | 2,283 |
| Pretax return on assets | 1.5070% | 1,650 |
| Return on Equity (ROE) | 9.9045% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.9045% | 622 |
| Net charge-offs to loans | 0.0290% | 2,897 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 740 |
| Efficiency ratio | 64.1827% | 3,989 |
| Assets per employee ($millions) | 3.9824% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 4,224 |
| Loan loss allowance to noncurrent loans | 105.5944% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 2,398 |
| Noncurrent loans to loans | 0.9958% | 2,293 |
| Net loans and leases to total assets | 71.3590% | 2,272 |
| Net loans and leases to deposits | 80.2814% | 2,895 |
| Net loans and leases to core deposits | 80.2814% | 3,434 |
| Total domestic deposits to total assets | 88.8861% | 965 |
| Equity capital to assets | 10.6117% | 3,520 |
| Core capital (leverage) ratio | 10.7467% | 2,699 |
| Tier 1 risk-based capital ratio | 14.7950% | 3,158 |
| Total risk-based capital ratio | 15.8737% | 3,183 |
| Memoranda: | ||
| Average total assets | $19,375,670 | 5,986 |
| Average earning assets | $17,722,330 | 5,969 |
| Average equity | $2,059,670 | 5,978 |
| Average total loans | $13,790,670 | 5,825 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 1,581 |
| Cost of funding earning assets | 0.2512% | 4,693 |
| Net interest margin | 4.2241% | 1,053 |
| Noninterest income to average assets | 0.4606% | 3,414 |
| Noninterest expense to average assets | 2.8680% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0467% | 2,097 |
| Return on assets (ROA) | 1.0467% | 2,208 |
| Pretax return on assets | 1.4654% | 1,700 |
| Return on Equity (ROE) | 9.8377% | 2,058 |
| Retained earnings to average equity (ytd only) | 9.8377% | 886 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1836% | 3,770 |
| Assets per employee ($millions) | 3.9004% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,998 |
| Loan loss allowance to noncurrent loans | 87.5740% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 2,530 |
| Noncurrent loans to loans | 1.2671% | 1,911 |
| Net loans and leases to total assets | 67.6341% | 2,708 |
| Net loans and leases to deposits | 76.0713% | 3,216 |
| Net loans and leases to core deposits | 76.0713% | 3,676 |
| Total domestic deposits to total assets | 88.9088% | 1,151 |
| Equity capital to assets | 10.5681% | 3,405 |
| Core capital (leverage) ratio | 10.5690% | 2,886 |
| Tier 1 risk-based capital ratio | 15.2862% | 3,021 |
| Total risk-based capital ratio | 16.4067% | 3,019 |
| Memoranda: | ||
| Average total assets | $19,107,500 | 6,050 |
| Average earning assets | $17,518,500 | 6,031 |
| Average equity | $2,033,000 | 6,039 |
| Average total loans | $13,506,000 | 5,887 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,140 |
| Cost of funding earning assets | 0.2637% | 4,656 |
| Net interest margin | 4.0588% | 1,532 |
| Noninterest income to average assets | 0.4593% | 3,594 |
| Noninterest expense to average assets | 2.5720% | 4,017 |
| Loan and lease loss provision to assets | 0.0459% | 3,410 |
| Net operating income to assets | 1.0717% | 2,035 |
| Return on assets (ROA) | 1.0717% | 2,109 |
| Pretax return on assets | 1.4544% | 1,700 |
| Return on Equity (ROE) | 10.5708% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.5371% | 2,061 |
| Net charge-offs to loans | -0.0076% | 5,052 |
| Credit loss provision to net charge-offs | -900.0000% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 4,417 |
| Assets per employee ($millions) | 3.7426% | 4,387 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 4,135 |
| Loan loss allowance to noncurrent loans | 96.7320% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 2,630 |
| Noncurrent loans to loans | 1.1189% | 2,101 |
| Net loans and leases to total assets | 72.2813% | 2,000 |
| Net loans and leases to deposits | 81.9807% | 2,586 |
| Net loans and leases to core deposits | 81.9807% | 3,152 |
| Total domestic deposits to total assets | 88.1687% | 1,548 |
| Equity capital to assets | 10.7145% | 3,114 |
| Core capital (leverage) ratio | 10.4562% | 2,977 |
| Tier 1 risk-based capital ratio | 15.0133% | 3,173 |
| Total risk-based capital ratio | 16.1418% | 3,157 |
| Memoranda: | ||
| Average total assets | $19,595,800 | 6,099 |
| Average earning assets | $17,443,400 | 6,090 |
| Average equity | $1,986,600 | 6,101 |
| Average total loans | $13,078,200 | 5,950 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 2,325 |
| Cost of funding earning assets | 0.2685% | 4,683 |
| Net interest margin | 4.0036% | 1,686 |
| Noninterest income to average assets | 0.4441% | 3,762 |
| Noninterest expense to average assets | 2.6307% | 3,769 |
| Loan and lease loss provision to assets | 0.0404% | 3,405 |
| Net operating income to assets | 1.1505% | 1,827 |
| Return on assets (ROA) | 1.1505% | 1,896 |
| Pretax return on assets | 1.2851% | 2,450 |
| Return on Equity (ROE) | 11.5030% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.5030% | 416 |
| Net charge-offs to loans | -0.0103% | 4,996 |
| Credit loss provision to net charge-offs | -600.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4966% | 3,804 |
| Assets per employee ($millions) | 3.8150% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 4,307 |
| Loan loss allowance to noncurrent loans | 63.5965% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1953% | 1,978 |
| Noncurrent loans to loans | 1.7079% | 1,407 |
| Net loans and leases to total assets | 69.2267% | 2,502 |
| Net loans and leases to deposits | 78.1407% | 3,087 |
| Net loans and leases to core deposits | 78.1407% | 3,599 |
| Total domestic deposits to total assets | 88.5924% | 1,247 |
| Equity capital to assets | 10.8152% | 3,223 |
| Core capital (leverage) ratio | 10.7181% | 2,803 |
| Tier 1 risk-based capital ratio | 15.6118% | 2,993 |
| Total risk-based capital ratio | 16.7269% | 2,989 |
| Memoranda: | ||
| Average total assets | $19,816,500 | 6,181 |
| Average earning assets | $17,383,750 | 6,176 |
| Average equity | $1,982,000 | 6,186 |
| Average total loans | $12,929,250 | 6,031 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,424 |
| Cost of funding earning assets | 0.2645% | 4,778 |
| Net interest margin | 3.9673% | 1,748 |
| Noninterest income to average assets | 0.4087% | 4,019 |
| Noninterest expense to average assets | 2.5917% | 3,932 |
| Loan and lease loss provision to assets | 0.0299% | 3,532 |
| Net operating income to assets | 1.1663% | 1,716 |
| Return on assets (ROA) | 1.1663% | 1,784 |
| Pretax return on assets | 1.2261% | 2,668 |
| Return on Equity (ROE) | 11.9693% | 1,386 |
| Retained earnings to average equity (ytd only) | 11.9693% | 399 |
| Net charge-offs to loans | -0.0156% | 5,077 |
| Credit loss provision to net charge-offs | -300.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3575% | 3,779 |
| Assets per employee ($millions) | 3.8992% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 4,201 |
| Loan loss allowance to noncurrent loans | 417.6471% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 5,178 |
| Noncurrent loans to loans | 0.2694% | 4,705 |
| Net loans and leases to total assets | 64.0131% | 3,262 |
| Net loans and leases to deposits | 71.6459% | 3,751 |
| Net loans and leases to core deposits | 71.6459% | 4,170 |
| Total domestic deposits to total assets | 89.3465% | 981 |
| Equity capital to assets | 10.2790% | 3,713 |
| Core capital (leverage) ratio | 9.8652% | 3,781 |
| Tier 1 risk-based capital ratio | 16.0690% | 2,819 |
| Total risk-based capital ratio | 17.2237% | 2,831 |
| Memoranda: | ||
| Average total assets | $20,063,670 | 6,256 |
| Average earning assets | $17,392,330 | 6,249 |
| Average equity | $1,955,000 | 6,261 |
| Average total loans | $12,789,000 | 6,103 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 2,385 |
| Cost of funding earning assets | 0.2751% | 4,725 |
| Net interest margin | 3.9433% | 1,732 |
| Noninterest income to average assets | 0.3342% | 4,513 |
| Noninterest expense to average assets | 2.5949% | 3,954 |
| Loan and lease loss provision to assets | 0.0197% | 3,458 |
| Net operating income to assets | 1.2188% | 1,493 |
| Return on assets (ROA) | 1.2188% | 1,586 |
| Pretax return on assets | 1.1009% | 3,073 |
| Return on Equity (ROE) | 12.8464% | 1,131 |
| Retained earnings to average equity (ytd only) | 12.8464% | 464 |
| Net charge-offs to loans | -0.0311% | 5,280 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8413% | 3,518 |
| Assets per employee ($millions) | 3.3725% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 4,491 |
| Loan loss allowance to noncurrent loans | 83.8323% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 3,033 |
| Noncurrent loans to loans | 1.3179% | 2,180 |
| Net loans and leases to total assets | 61.9323% | 3,376 |
| Net loans and leases to deposits | 68.8307% | 3,877 |
| Net loans and leases to core deposits | 68.8307% | 4,254 |
| Total domestic deposits to total assets | 89.9778% | 751 |
| Equity capital to assets | 9.7109% | 4,491 |
| Core capital (leverage) ratio | 9.4575% | 4,340 |
| Tier 1 risk-based capital ratio | 15.5913% | 3,108 |
| Total risk-based capital ratio | 16.7275% | 3,095 |
| Memoranda: | ||
| Average total assets | $20,347,500 | 6,319 |
| Average earning assets | $17,447,500 | 6,315 |
| Average equity | $1,930,500 | 6,326 |
| Average total loans | $12,872,500 | 6,157 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 2,697 |
| Cost of funding earning assets | 0.3032% | 4,760 |
| Net interest margin | 3.9708% | 1,972 |
| Noninterest income to average assets | 0.4211% | 4,028 |
| Noninterest expense to average assets | 2.5979% | 4,229 |
| Loan and lease loss provision to assets | 0.0152% | 4,306 |
| Net operating income to assets | 0.9539% | 2,612 |
| Return on assets (ROA) | 0.9539% | 2,692 |
| Pretax return on assets | 1.2634% | 2,376 |
| Return on Equity (ROE) | 10.1798% | 2,036 |
| Retained earnings to average equity (ytd only) | 5.8480% | 2,024 |
| Net charge-offs to loans | 0.0402% | 4,017 |
| Credit loss provision to net charge-offs | 60.0000% | 3,286 |
| Earnings coverage of net charge-offs (x) | 50.4000% | 921 |
| Efficiency ratio | 67.0157% | 4,055 |
| Assets per employee ($millions) | 4.0920% | 3,734 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 4,784 |
| Loan loss allowance to noncurrent loans | 194.3662% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 4,667 |
| Noncurrent loans to loans | 0.5431% | 4,032 |
| Net loans and leases to total assets | 63.2209% | 3,334 |
| Net loans and leases to deposits | 70.2188% | 3,881 |
| Net loans and leases to core deposits | 70.2188% | 4,309 |
| Total domestic deposits to total assets | 90.0342% | 720 |
| Equity capital to assets | 9.2669% | 4,984 |
| Core capital (leverage) ratio | 9.3132% | 4,522 |
| Tier 1 risk-based capital ratio | 14.7353% | 3,638 |
| Total risk-based capital ratio | 15.8291% | 3,665 |
| Memoranda: | ||
| Average total assets | $19,708,600 | 6,415 |
| Average earning assets | $17,150,200 | 6,408 |
| Average equity | $1,846,800 | 6,422 |
| Average total loans | $12,452,800 | 6,244 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 2,952 |
| Cost of funding earning assets | 0.3035% | 4,857 |
| Net interest margin | 3.9067% | 2,209 |
| Noninterest income to average assets | 0.4303% | 4,020 |
| Noninterest expense to average assets | 2.6228% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8401% | 3,233 |
| Return on assets (ROA) | 0.8401% | 3,321 |
| Pretax return on assets | 1.2363% | 2,631 |
| Return on Equity (ROE) | 8.9398% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.9398% | 1,027 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9646% | 3,860 |
| Assets per employee ($millions) | 3.2355% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 4,662 |
| Loan loss allowance to noncurrent loans | 181.8182% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 4,728 |
| Noncurrent loans to loans | 0.6153% | 4,082 |
| Net loans and leases to total assets | 63.7459% | 3,220 |
| Net loans and leases to deposits | 71.1452% | 3,777 |
| Net loans and leases to core deposits | 71.1452% | 4,232 |
| Total domestic deposits to total assets | 89.5998% | 932 |
| Equity capital to assets | 9.7873% | 4,436 |
| Core capital (leverage) ratio | 9.3827% | 4,532 |
| Tier 1 risk-based capital ratio | 15.2135% | 3,464 |
| Total risk-based capital ratio | 16.3501% | 3,471 |
| Memoranda: | ||
| Average total assets | $19,520,750 | 6,497 |
| Average earning assets | $17,132,750 | 6,486 |
| Average equity | $1,834,500 | 6,499 |
| Average total loans | $12,297,750 | 6,318 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 2,972 |
| Cost of funding earning assets | 0.3172% | 4,792 |
| Net interest margin | 3.8774% | 2,263 |
| Noninterest income to average assets | 0.4193% | 4,102 |
| Noninterest expense to average assets | 2.6692% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7977% | 3,349 |
| Return on assets (ROA) | 0.7977% | 3,450 |
| Pretax return on assets | 1.1249% | 2,993 |
| Return on Equity (ROE) | 8.6061% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.6061% | 1,111 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3504% | 3,599 |
| Assets per employee ($millions) | 3.3533% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,607 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 4,987 |
| Noncurrent loans to loans | 0.5807% | 4,283 |
| Net loans and leases to total assets | 59.2197% | 3,831 |
| Net loans and leases to deposits | 65.5715% | 4,312 |
| Net loans and leases to core deposits | 65.5715% | 4,678 |
| Total domestic deposits to total assets | 90.3131% | 655 |
| Equity capital to assets | 9.2147% | 5,088 |
| Core capital (leverage) ratio | 9.0720% | 4,905 |
| Tier 1 risk-based capital ratio | 14.8603% | 3,716 |
| Total risk-based capital ratio | 15.9977% | 3,729 |
| Memoranda: | ||
| Average total assets | $19,556,670 | 6,562 |
| Average earning assets | $17,021,670 | 6,555 |
| Average equity | $1,812,670 | 6,562 |
| Average total loans | $12,225,330 | 6,377 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 2,764 |
| Cost of funding earning assets | 0.3106% | 4,961 |
| Net interest margin | 3.9189% | 2,019 |
| Noninterest income to average assets | 0.4358% | 3,900 |
| Noninterest expense to average assets | 2.7808% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7471% | 3,438 |
| Return on assets (ROA) | 0.7471% | 3,521 |
| Pretax return on assets | 1.0584% | 3,091 |
| Return on Equity (ROE) | 8.0357% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.0357% | 1,583 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4324% | 3,413 |
| Assets per employee ($millions) | 3.2705% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 4,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 60.5208% | 3,469 |
| Net loans and leases to deposits | 67.0241% | 3,972 |
| Net loans and leases to core deposits | 67.0241% | 4,397 |
| Total domestic deposits to total assets | 90.2971% | 918 |
| Equity capital to assets | 9.2239% | 4,844 |
| Core capital (leverage) ratio | 9.1351% | 4,816 |
| Tier 1 risk-based capital ratio | 14.8681% | 3,776 |
| Total risk-based capital ratio | 16.0329% | 3,777 |
| Memoranda: | ||
| Average total assets | $19,275,000 | 6,636 |
| Average earning assets | $16,739,500 | 6,628 |
| Average equity | $1,792,000 | 6,628 |
| Average total loans | $12,310,500 | 6,440 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 2,575 |
| Cost of funding earning assets | 0.3804% | 4,830 |
| Net interest margin | 4.0231% | 1,891 |
| Noninterest income to average assets | 0.4804% | 3,885 |
| Noninterest expense to average assets | 2.7071% | 4,069 |
| Loan and lease loss provision to assets | 0.0200% | 4,742 |
| Net operating income to assets | 0.9357% | 2,621 |
| Return on assets (ROA) | 0.9357% | 2,701 |
| Pretax return on assets | 1.2460% | 2,385 |
| Return on Equity (ROE) | 10.3808% | 1,963 |
| Retained earnings to average equity (ytd only) | 5.3847% | 2,361 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1360% | 4,171 |
| Assets per employee ($millions) | 3.1545% | 5,581 |
| Cash dividends to net income (ytd only)* | 48.1283% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 65.8583% | 2,709 |
| Net loans and leases to deposits | 73.4965% | 3,330 |
| Net loans and leases to core deposits | 73.4965% | 3,895 |
| Total domestic deposits to total assets | 89.6074% | 1,271 |
| Equity capital to assets | 9.3729% | 4,583 |
| Core capital (leverage) ratio | 9.1341% | 4,805 |
| Tier 1 risk-based capital ratio | 14.0892% | 4,233 |
| Total risk-based capital ratio | 15.2156% | 4,255 |
| Memoranda: | ||
| Average total assets | $19,984,600 | 6,697 |
| Average earning assets | $17,350,000 | 6,697 |
| Average equity | $1,801,400 | 6,718 |
| Average total loans | $12,426,000 | 6,501 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,858 |
| Cost of funding earning assets | 0.3858% | 4,943 |
| Net interest margin | 3.9483% | 2,122 |
| Noninterest income to average assets | 0.4939% | 3,857 |
| Noninterest expense to average assets | 2.6272% | 4,292 |
| Loan and lease loss provision to assets | 0.0263% | 4,480 |
| Net operating income to assets | 0.9679% | 2,510 |
| Return on assets (ROA) | 0.9679% | 2,610 |
| Pretax return on assets | 1.2774% | 2,420 |
| Return on Equity (ROE) | 10.8392% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.8392% | 612 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8342% | 4,333 |
| Assets per employee ($millions) | 3.1970% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 5,184 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 6,467 |
| Noncurrent loans to loans | 0.0162% | 6,308 |
| Net loans and leases to total assets | 63.5700% | 3,061 |
| Net loans and leases to deposits | 70.8624% | 3,658 |
| Net loans and leases to core deposits | 70.8624% | 4,229 |
| Total domestic deposits to total assets | 89.7091% | 1,167 |
| Equity capital to assets | 9.7748% | 4,214 |
| Core capital (leverage) ratio | 9.2010% | 4,830 |
| Tier 1 risk-based capital ratio | 14.3073% | 4,209 |
| Total risk-based capital ratio | 15.4194% | 4,255 |
| Memoranda: | ||
| Average total assets | $20,249,000 | 6,770 |
| Average earning assets | $17,627,250 | 6,767 |
| Average equity | $1,808,250 | 6,797 |
| Average total loans | $12,381,250 | 6,573 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 3,034 |
| Cost of funding earning assets | 0.4024% | 4,922 |
| Net interest margin | 3.8787% | 2,279 |
| Noninterest income to average assets | 0.4950% | 3,868 |
| Noninterest expense to average assets | 2.5722% | 4,483 |
| Loan and lease loss provision to assets | 0.0097% | 4,672 |
| Net operating income to assets | 0.9804% | 2,413 |
| Return on assets (ROA) | 0.9804% | 2,563 |
| Pretax return on assets | 1.2813% | 2,365 |
| Return on Equity (ROE) | 11.3102% | 1,717 |
| Retained earnings to average equity (ytd only) | 11.3102% | 594 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5829% | 4,433 |
| Assets per employee ($millions) | 3.3305% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,420 |
| 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 | 61.2721% | 3,428 |
| Net loans and leases to deposits | 67.7775% | 4,046 |
| Net loans and leases to core deposits | 67.7775% | 4,521 |
| Total domestic deposits to total assets | 90.4018% | 803 |
| Equity capital to assets | 9.1678% | 5,031 |
| Core capital (leverage) ratio | 8.4339% | 5,738 |
| Tier 1 risk-based capital ratio | 13.7993% | 4,566 |
| Total risk-based capital ratio | 14.8766% | 4,652 |
| Memoranda: | ||
| Average total assets | $20,604,670 | 6,815 |
| Average earning assets | $17,892,670 | 6,809 |
| Average equity | $1,786,000 | 6,847 |
| Average total loans | $12,397,000 | 6,616 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,497 |
| Cost of funding earning assets | 0.3956% | 5,150 |
| Net interest margin | 3.7581% | 2,618 |
| Noninterest income to average assets | 0.5164% | 3,665 |
| Noninterest expense to average assets | 2.5436% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9562% | 2,416 |
| Return on assets (ROA) | 0.9562% | 2,554 |
| Pretax return on assets | 1.2431% | 2,424 |
| Return on Equity (ROE) | 11.3443% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.3443% | 810 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1717% | 4,464 |
| Assets per employee ($millions) | 3.6060% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,685 |
| 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 | 57.5476% | 3,834 |
| Net loans and leases to deposits | 63.0942% | 4,406 |
| Net loans and leases to core deposits | 64.0681% | 4,735 |
| Total domestic deposits to total assets | 91.2091% | 439 |
| Equity capital to assets | 8.2640% | 6,210 |
| Core capital (leverage) ratio | 8.4098% | 5,695 |
| Tier 1 risk-based capital ratio | 12.9130% | 5,294 |
| Total risk-based capital ratio | 13.9436% | 5,389 |
| Memoranda: | ||
| Average total assets | $20,915,500 | 6,884 |
| Average earning assets | $18,200,500 | 6,875 |
| Average equity | $1,763,000 | 6,918 |
| Average total loans | $12,405,000 | 6,681 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 3,256 |
| Cost of funding earning assets | 0.5627% | 4,708 |
| Net interest margin | 3.9732% | 2,506 |
| Noninterest income to average assets | 0.3772% | 4,774 |
| Noninterest expense to average assets | 2.6401% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0092% | 2,297 |
| Return on assets (ROA) | 1.0092% | 2,513 |
| Pretax return on assets | 1.2997% | 2,397 |
| Return on Equity (ROE) | 11.6814% | 1,603 |
| Retained earnings to average equity (ytd only) | 7.2566% | 1,447 |
| Net charge-offs to loans | -0.0082% | 6,439 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0116% | 4,328 |
| Assets per employee ($millions) | 4.0390% | 3,870 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,499 |
| 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 | 59.8514% | 3,629 |
| Net loans and leases to deposits | 66.1395% | 4,262 |
| Net loans and leases to core deposits | 67.2434% | 4,621 |
| Total domestic deposits to total assets | 90.4927% | 704 |
| Equity capital to assets | 8.6061% | 5,964 |
| Core capital (leverage) ratio | 8.5390% | 5,557 |
| Tier 1 risk-based capital ratio | 12.9279% | 5,165 |
| Total risk-based capital ratio | 13.9909% | 5,238 |
| Memoranda: | ||
| Average total assets | $19,620,200 | 6,959 |
| Average earning assets | $17,592,800 | 6,942 |
| Average equity | $1,695,000 | 7,001 |
| Average total loans | $12,150,600 | 6,773 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 3,530 |
| Cost of funding earning assets | 0.5886% | 4,758 |
| Net interest margin | 3.9387% | 2,762 |
| Noninterest income to average assets | 0.3354% | 5,117 |
| Noninterest expense to average assets | 2.7246% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9105% | 2,930 |
| Return on assets (ROA) | 0.9105% | 3,162 |
| Pretax return on assets | 1.1843% | 3,044 |
| Return on Equity (ROE) | 10.5287% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.5287% | 780 |
| Net charge-offs to loans | -0.0110% | 6,376 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7023% | 3,750 |
| Assets per employee ($millions) | 3.1595% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,671 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 6,718 |
| Noncurrent loans to loans | 0.0327% | 6,538 |
| Net loans and leases to total assets | 63.8234% | 3,057 |
| Net loans and leases to deposits | 70.9952% | 3,756 |
| Net loans and leases to core deposits | 72.2674% | 4,216 |
| Total domestic deposits to total assets | 89.8982% | 893 |
| Equity capital to assets | 9.2314% | 5,553 |
| Core capital (leverage) ratio | 8.4777% | 5,782 |
| Tier 1 risk-based capital ratio | 13.1323% | 5,142 |
| Total risk-based capital ratio | 14.2057% | 5,252 |
| Memoranda: | ||
| Average total assets | $19,476,500 | 7,058 |
| Average earning assets | $17,670,250 | 7,037 |
| Average equity | $1,684,250 | 7,096 |
| Average total loans | $12,132,500 | 6,865 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 3,931 |
| Cost of funding earning assets | 0.6105% | 4,807 |
| Net interest margin | 3.8520% | 3,126 |
| Noninterest income to average assets | 0.3461% | 5,067 |
| Noninterest expense to average assets | 2.6565% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9568% | 2,630 |
| Return on assets (ROA) | 0.9568% | 2,878 |
| Pretax return on assets | 1.2214% | 2,830 |
| Return on Equity (ROE) | 11.3094% | 1,878 |
| Retained earnings to average equity (ytd only) | 11.3094% | 691 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5039% | 4,041 |
| Assets per employee ($millions) | 3.3380% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 5,601 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 6,711 |
| Noncurrent loans to loans | 0.0760% | 6,472 |
| Net loans and leases to total assets | 58.4332% | 4,097 |
| Net loans and leases to deposits | 64.3942% | 4,711 |
| Net loans and leases to core deposits | 65.4750% | 5,057 |
| Total domestic deposits to total assets | 90.7430% | 546 |
| Equity capital to assets | 8.5430% | 6,167 |
| Core capital (leverage) ratio | 8.1080% | 6,154 |
| Tier 1 risk-based capital ratio | 12.9647% | 5,207 |
| Total risk-based capital ratio | 14.0418% | 5,319 |
| Memoranda: | ||
| Average total assets | $19,649,670 | 7,112 |
| Average earning assets | $18,016,670 | 7,091 |
| Average equity | $1,662,330 | 7,152 |
| Average total loans | $12,098,330 | 6,920 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 3,786 |
| Cost of funding earning assets | 0.6380% | 4,834 |
| Net interest margin | 3.8941% | 2,954 |
| Noninterest income to average assets | 0.3494% | 5,063 |
| Noninterest expense to average assets | 2.7749% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9455% | 2,717 |
| Return on assets (ROA) | 0.9455% | 2,925 |
| Pretax return on assets | 1.2127% | 2,871 |
| Return on Equity (ROE) | 11.2332% | 1,927 |
| Retained earnings to average equity (ytd only) | 11.2332% | 976 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5876% | 3,883 |
| Assets per employee ($millions) | 3.3842% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,769 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 6,777 |
| Noncurrent loans to loans | 0.0842% | 6,547 |
| Net loans and leases to total assets | 57.8084% | 4,065 |
| Net loans and leases to deposits | 63.3596% | 4,719 |
| Net loans and leases to core deposits | 66.4064% | 4,870 |
| Total domestic deposits to total assets | 91.2386% | 462 |
| Equity capital to assets | 8.1704% | 6,395 |
| Core capital (leverage) ratio | 8.0735% | 6,188 |
| Tier 1 risk-based capital ratio | 12.5487% | 5,566 |
| Total risk-based capital ratio | 13.6230% | 5,665 |
| Memoranda: | ||
| Average total assets | $19,460,500 | 7,177 |
| Average earning assets | $18,181,500 | 7,144 |
| Average equity | $1,638,000 | 7,213 |
| Average total loans | $12,228,500 | 6,974 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 4,477 |
| Cost of funding earning assets | 0.8232% | 4,687 |
| Net interest margin | 3.8212% | 3,719 |
| Noninterest income to average assets | 0.4033% | 4,587 |
| Noninterest expense to average assets | 2.8653% | 4,107 |
| Loan and lease loss provision to assets | 0.0314% | 6,171 |
| Net operating income to assets | 0.8800% | 2,689 |
| Return on assets (ROA) | 0.8800% | 2,828 |
| Pretax return on assets | 1.1053% | 2,815 |
| Return on Equity (ROE) | 10.8597% | 1,742 |
| Retained earnings to average equity (ytd only) | 6.9813% | 1,515 |
| Net charge-offs to loans | 0.0083% | 6,316 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 154 |
| Efficiency ratio | 71.5969% | 3,662 |
| Assets per employee ($millions) | 3.1027% | 5,889 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 5,915 |
| Loan loss allowance to noncurrent loans | 123.8532% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 5,504 |
| Noncurrent loans to loans | 0.8662% | 4,954 |
| Net loans and leases to total assets | 66.8726% | 2,616 |
| Net loans and leases to deposits | 74.1144% | 3,484 |
| Net loans and leases to core deposits | 76.8599% | 3,847 |
| Total domestic deposits to total assets | 90.2288% | 863 |
| Equity capital to assets | 8.6861% | 5,913 |
| Core capital (leverage) ratio | 7.9844% | 6,290 |
| Tier 1 risk-based capital ratio | 11.9787% | 5,847 |
| Total risk-based capital ratio | 13.0350% | 5,950 |
| Memoranda: | ||
| Average total assets | $19,090,600 | 7,220 |
| Average earning assets | $17,978,600 | 7,184 |
| Average equity | $1,547,000 | 7,284 |
| Average total loans | $12,017,200 | 7,030 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 5,066 |
| Cost of funding earning assets | 0.8625% | 4,685 |
| Net interest margin | 3.6929% | 4,372 |
| Noninterest income to average assets | 0.4026% | 4,647 |
| Noninterest expense to average assets | 2.9360% | 3,791 |
| Loan and lease loss provision to assets | 0.0347% | 6,003 |
| Net operating income to assets | 0.7982% | 3,173 |
| Return on assets (ROA) | 0.7982% | 3,337 |
| Pretax return on assets | 0.9092% | 3,726 |
| Return on Equity (ROE) | 10.0248% | 2,189 |
| Retained earnings to average equity (ytd only) | 10.0248% | 837 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6708% | 2,890 |
| Assets per employee ($millions) | 3.2943% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 5,701 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 6,997 |
| Noncurrent loans to loans | 0.0424% | 6,835 |
| Net loans and leases to total assets | 58.9396% | 4,334 |
| Net loans and leases to deposits | 64.8303% | 5,071 |
| Net loans and leases to core deposits | 67.0697% | 5,299 |
| Total domestic deposits to total assets | 90.9137% | 464 |
| Equity capital to assets | 8.2920% | 6,491 |
| Core capital (leverage) ratio | 7.7996% | 6,562 |
| Tier 1 risk-based capital ratio | 12.2433% | 5,711 |
| Total risk-based capital ratio | 13.3179% | 5,833 |
| Memoranda: | ||
| Average total assets | $19,209,250 | 7,294 |
| Average earning assets | $18,088,000 | 7,255 |
| Average equity | $1,529,500 | 7,362 |
| Average total loans | $11,875,500 | 7,105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 4,814 |
| Cost of funding earning assets | 0.8846% | 4,795 |
| Net interest margin | 3.7513% | 4,024 |
| Noninterest income to average assets | 0.3995% | 4,687 |
| Noninterest expense to average assets | 2.9542% | 3,815 |
| Loan and lease loss provision to assets | 0.0315% | 5,917 |
| Net operating income to assets | 0.8305% | 2,943 |
| Return on assets (ROA) | 0.8305% | 3,057 |
| Pretax return on assets | 0.9357% | 3,487 |
| Return on Equity (ROE) | 10.5827% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.5827% | 736 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3351% | 3,132 |
| Assets per employee ($millions) | 3.2832% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 5,669 |
| Loan loss allowance to noncurrent loans | 1,209.0909% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 6,959 |
| Noncurrent loans to loans | 0.0969% | 6,730 |
| Net loans and leases to total assets | 56.9775% | 4,823 |
| Net loans and leases to deposits | 62.3556% | 5,458 |
| Net loans and leases to core deposits | 64.5057% | 5,670 |
| Total domestic deposits to total assets | 91.3752% | 374 |
| Equity capital to assets | 7.9446% | 6,718 |
| Core capital (leverage) ratio | 7.6074% | 6,661 |
| Tier 1 risk-based capital ratio | 12.3328% | 5,490 |
| Total risk-based capital ratio | 13.4241% | 5,619 |
| Memoranda: | ||
| Average total assets | $19,023,670 | 7,369 |
| Average earning assets | $17,860,330 | 7,332 |
| Average equity | $1,493,000 | 7,438 |
| Average total loans | $11,905,670 | 7,176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 4,612 |
| Cost of funding earning assets | 0.9361% | 4,680 |
| Net interest margin | 3.7444% | 3,872 |
| Noninterest income to average assets | 0.4281% | 4,471 |
| Noninterest expense to average assets | 3.0183% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8134% | 2,959 |
| Return on assets (ROA) | 0.8134% | 3,022 |
| Pretax return on assets | 0.9205% | 3,426 |
| Return on Equity (ROE) | 10.4324% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.4324% | 1,014 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6304% | 3,044 |
| Assets per employee ($millions) | 3.2963% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 6,004 |
| Loan loss allowance to noncurrent loans | 684.2105% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 6,927 |
| Noncurrent loans to loans | 0.1623% | 6,651 |
| Net loans and leases to total assets | 58.5499% | 4,540 |
| Net loans and leases to deposits | 63.7139% | 5,288 |
| Net loans and leases to core deposits | 65.8890% | 5,526 |
| Total domestic deposits to total assets | 91.8950% | 315 |
| Equity capital to assets | 7.5083% | 6,863 |
| Core capital (leverage) ratio | 7.8718% | 6,393 |
| Tier 1 risk-based capital ratio | 11.6889% | 5,948 |
| Total risk-based capital ratio | 12.7290% | 6,102 |
| Memoranda: | ||
| Average total assets | $18,686,000 | 7,430 |
| Average earning assets | $17,519,500 | 7,396 |
| Average equity | $1,457,000 | 7,493 |
| Average total loans | $12,180,000 | 7,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 3,670 |
| Cost of funding earning assets | 1.2410% | 4,276 |
| Net interest margin | 3.9464% | 3,275 |
| Noninterest income to average assets | 0.3804% | 5,057 |
| Noninterest expense to average assets | 3.1989% | 3,098 |
| Loan and lease loss provision to assets | 0.0922% | 6,223 |
| Net operating income to assets | 0.6974% | 3,234 |
| Return on assets (ROA) | 0.6974% | 3,368 |
| Pretax return on assets | 0.7551% | 3,780 |
| Return on Equity (ROE) | 8.3287% | 2,562 |
| Retained earnings to average equity (ytd only) | 4.1988% | 2,903 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0598% | 2,530 |
| Assets per employee ($millions) | 2.9323% | 6,244 |
| Cash dividends to net income (ytd only)* | 49.5868% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,248 |
| Loan loss allowance to noncurrent loans | 382.3529% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 6,740 |
| Noncurrent loans to loans | 0.2688% | 6,523 |
| Net loans and leases to total assets | 71.1606% | 2,266 |
| Net loans and leases to deposits | 78.2696% | 3,468 |
| Net loans and leases to core deposits | 81.3198% | 4,003 |
| Total domestic deposits to total assets | 90.9174% | 639 |
| Equity capital to assets | 8.1221% | 6,356 |
| Core capital (leverage) ratio | 8.0632% | 6,087 |
| Tier 1 risk-based capital ratio | 11.1302% | 6,230 |
| Total risk-based capital ratio | 12.1470% | 6,389 |
| Memoranda: | ||
| Average total assets | $17,349,800 | 7,525 |
| Average earning assets | $16,116,000 | 7,497 |
| Average equity | $1,452,800 | 7,594 |
| Average total loans | $11,714,600 | 7,320 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 3,903 |
| Cost of funding earning assets | 1.3028% | 4,194 |
| Net interest margin | 3.8836% | 3,596 |
| Noninterest income to average assets | 0.3779% | 5,136 |
| Noninterest expense to average assets | 3.1542% | 3,093 |
| Loan and lease loss provision to assets | 0.0308% | 6,761 |
| Net operating income to assets | 0.7249% | 3,298 |
| Return on assets (ROA) | 0.7249% | 3,452 |
| Pretax return on assets | 0.8020% | 3,896 |
| Return on Equity (ROE) | 8.5916% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.5916% | 1,207 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1103% | 2,475 |
| Assets per employee ($millions) | 2.9003% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 6,474 |
| Loan loss allowance to noncurrent loans | 105.3571% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 5,845 |
| Noncurrent loans to loans | 0.9320% | 5,369 |
| Net loans and leases to total assets | 68.3772% | 3,126 |
| Net loans and leases to deposits | 75.7223% | 4,226 |
| Net loans and leases to core deposits | 78.7283% | 4,712 |
| Total domestic deposits to total assets | 90.3000% | 726 |
| Equity capital to assets | 8.8093% | 5,850 |
| Core capital (leverage) ratio | 8.3611% | 5,770 |
| Tier 1 risk-based capital ratio | 11.7367% | 5,701 |
| Total risk-based capital ratio | 12.6873% | 5,973 |
| Memoranda: | ||
| Average total assets | $17,288,750 | 7,622 |
| Average earning assets | $16,067,250 | 7,592 |
| Average equity | $1,458,750 | 7,692 |
| Average total loans | $11,480,750 | 7,429 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 3,904 |
| Cost of funding earning assets | 1.3585% | 4,138 |
| Net interest margin | 3.8510% | 3,672 |
| Noninterest income to average assets | 0.4058% | 4,864 |
| Noninterest expense to average assets | 3.1882% | 2,948 |
| Loan and lease loss provision to assets | 0.0348% | 6,606 |
| Net operating income to assets | 0.6956% | 3,421 |
| Return on assets (ROA) | 0.6956% | 3,578 |
| Pretax return on assets | 0.7652% | 4,002 |
| Return on Equity (ROE) | 8.3682% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.3682% | 1,304 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9419% | 2,456 |
| Assets per employee ($millions) | 2.8653% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 6,445 |
| Loan loss allowance to noncurrent loans | 531.8182% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 7,074 |
| Noncurrent loans to loans | 0.1863% | 6,881 |
| Net loans and leases to total assets | 68.0026% | 3,360 |
| Net loans and leases to deposits | 74.9808% | 4,514 |
| Net loans and leases to core deposits | 77.9816% | 4,956 |
| Total domestic deposits to total assets | 90.6933% | 603 |
| Equity capital to assets | 8.5621% | 6,084 |
| Core capital (leverage) ratio | 8.2349% | 5,884 |
| Tier 1 risk-based capital ratio | 11.6471% | 5,631 |
| Total risk-based capital ratio | 12.6055% | 5,889 |
| Memoranda: | ||
| Average total assets | $17,251,000 | 7,684 |
| Average earning assets | $16,047,670 | 7,655 |
| Average equity | $1,434,000 | 7,762 |
| Average total loans | $11,302,000 | 7,488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 4,268 |
| Cost of funding earning assets | 1.4199% | 4,047 |
| Net interest margin | 3.7365% | 4,071 |
| Noninterest income to average assets | 0.4167% | 4,759 |
| Noninterest expense to average assets | 3.1481% | 3,064 |
| Loan and lease loss provision to assets | 0.0231% | 6,423 |
| Net operating income to assets | 0.6481% | 3,671 |
| Return on assets (ROA) | 0.6481% | 3,792 |
| Pretax return on assets | 0.7176% | 4,175 |
| Return on Equity (ROE) | 7.9152% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.9152% | 1,742 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,416 |
| Assets per employee ($millions) | 2.8865% | 6,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,344 |
| Loan loss allowance to noncurrent loans | 638.8889% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 7,222 |
| Noncurrent loans to loans | 0.1603% | 7,019 |
| Net loans and leases to total assets | 64.1607% | 4,295 |
| Net loans and leases to deposits | 70.5434% | 5,262 |
| Net loans and leases to core deposits | 73.3369% | 5,570 |
| Total domestic deposits to total assets | 90.9521% | 568 |
| Equity capital to assets | 8.3377% | 6,248 |
| Core capital (leverage) ratio | 7.5998% | 6,736 |
| Tier 1 risk-based capital ratio | 11.7967% | 5,400 |
| Total risk-based capital ratio | 12.7726% | 5,627 |
| Memoranda: | ||
| Average total assets | $17,280,500 | 7,788 |
| Average earning assets | $16,058,000 | 7,752 |
| Average equity | $1,415,000 | 7,848 |
| Average total loans | $11,049,000 | 7,593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 4,553 |
| Cost of funding earning assets | 1.8711% | 3,617 |
| Net interest margin | 3.5558% | 4,721 |
| Noninterest income to average assets | 0.5121% | 4,318 |
| Noninterest expense to average assets | 3.1798% | 3,445 |
| Loan and lease loss provision to assets | 0.0834% | 6,776 |
| Net operating income to assets | 0.4049% | 4,109 |
| Return on assets (ROA) | 0.4049% | 4,215 |
| Pretax return on assets | 0.4287% | 4,401 |
| Return on Equity (ROE) | 4.8914% | 3,714 |
| Retained earnings to average equity (ytd only) | 1.2948% | 4,138 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1290% | 2,099 |
| Assets per employee ($millions) | 2.8737% | 6,506 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 6,131 |
| Loan loss allowance to noncurrent loans | 172.7273% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 6,490 |
| Noncurrent loans to loans | 0.6071% | 6,026 |
| Net loans and leases to total assets | 62.3884% | 4,910 |
| Net loans and leases to deposits | 70.2613% | 5,574 |
| Net loans and leases to core deposits | 89.7613% | 5,156 |
| Total domestic deposits to total assets | 88.7948% | 1,575 |
| Equity capital to assets | 8.0385% | 6,539 |
| Core capital (leverage) ratio | 7.8588% | 6,375 |
| Tier 1 risk-based capital ratio | 11.8127% | 5,100 |
| Total risk-based capital ratio | 12.8014% | 5,306 |
| Memoranda: | ||
| Average total assets | $16,793,600 | 7,857 |
| Average earning assets | $15,017,800 | 7,842 |
| Average equity | $1,390,200 | 7,942 |
| Average total loans | $10,281,000 | 7,696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5437% | 4,191 |
| Cost of funding earning assets | 1.9896% | 3,413 |
| Net interest margin | 3.5542% | 4,656 |
| Noninterest income to average assets | 0.5435% | 4,133 |
| Noninterest expense to average assets | 3.1251% | 3,558 |
| Loan and lease loss provision to assets | 0.0160% | 7,180 |
| Net operating income to assets | 0.4796% | 4,074 |
| Return on assets (ROA) | 0.4796% | 4,170 |
| Pretax return on assets | 0.5435% | 4,385 |
| Return on Equity (ROE) | 5.7502% | 3,629 |
| Retained earnings to average equity (ytd only) | 5.7502% | 2,079 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8156% | 2,206 |
| Assets per employee ($millions) | 2.9020% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 6,445 |
| Loan loss allowance to noncurrent loans | 212.5000% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 6,813 |
| Noncurrent loans to loans | 0.4565% | 6,407 |
| Net loans and leases to total assets | 59.8036% | 5,615 |
| Net loans and leases to deposits | 65.9009% | 6,318 |
| Net loans and leases to core deposits | 82.1344% | 6,174 |
| Total domestic deposits to total assets | 90.7478% | 496 |
| Equity capital to assets | 8.3678% | 6,420 |
| Core capital (leverage) ratio | 8.0528% | 6,266 |
| Tier 1 risk-based capital ratio | 12.5593% | 4,494 |
| Total risk-based capital ratio | 13.4717% | 4,717 |
| Memoranda: | ||
| Average total assets | $16,681,500 | 7,941 |
| Average earning assets | $14,743,000 | 7,930 |
| Average equity | $1,391,250 | 8,027 |
| Average total loans | $10,133,500 | 7,776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 3,697 |
| Cost of funding earning assets | 2.1415% | 3,083 |
| Net interest margin | 3.5320% | 4,650 |
| Noninterest income to average assets | 0.5962% | 3,726 |
| Noninterest expense to average assets | 3.1999% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4137% | 4,455 |
| Return on assets (ROA) | 0.4137% | 4,560 |
| Pretax return on assets | 0.4867% | 4,667 |
| Return on Equity (ROE) | 4.9659% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.9659% | 2,532 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7987% | 2,144 |
| Assets per employee ($millions) | 2.9085% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,131 |
| Loan loss allowance to noncurrent loans | 208.3333% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 6,787 |
| Noncurrent loans to loans | 0.4865% | 6,309 |
| Net loans and leases to total assets | 55.9624% | 6,207 |
| Net loans and leases to deposits | 61.2212% | 6,800 |
| Net loans and leases to core deposits | 74.8754% | 6,742 |
| Total domestic deposits to total assets | 91.4102% | 337 |
| Equity capital to assets | 7.8276% | 6,945 |
| Core capital (leverage) ratio | 8.1786% | 6,016 |
| Tier 1 risk-based capital ratio | 12.8710% | 4,230 |
| Total risk-based capital ratio | 13.8044% | 4,400 |
| Memoranda: | ||
| Average total assets | $16,438,000 | 8,032 |
| Average earning assets | $14,382,670 | 8,028 |
| Average equity | $1,369,330 | 8,112 |
| Average total loans | $10,006,330 | 7,861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8532% | 3,027 |
| Cost of funding earning assets | 2.2621% | 2,875 |
| Net interest margin | 3.5911% | 4,350 |
| Noninterest income to average assets | 0.5524% | 3,900 |
| Noninterest expense to average assets | 3.3644% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3013% | 5,293 |
| Return on assets (ROA) | 0.3013% | 5,469 |
| Pretax return on assets | 0.3766% | 5,460 |
| Return on Equity (ROE) | 3.5011% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.5011% | 3,948 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9329% | 1,724 |
| Assets per employee ($millions) | 2.7253% | 6,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,095 |
| Loan loss allowance to noncurrent loans | 208.3333% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 6,639 |
| Noncurrent loans to loans | 0.4862% | 6,215 |
| Net loans and leases to total assets | 59.7603% | 5,697 |
| Net loans and leases to deposits | 65.8269% | 6,392 |
| Net loans and leases to core deposits | 81.9661% | 6,241 |
| Total domestic deposits to total assets | 90.7840% | 485 |
| Equity capital to assets | 8.3904% | 6,249 |
| Core capital (leverage) ratio | 8.6246% | 5,292 |
| Tier 1 risk-based capital ratio | 13.2004% | 4,054 |
| Total risk-based capital ratio | 14.1732% | 4,162 |
| Memoranda: | ||
| Average total assets | $15,931,500 | 8,089 |
| Average earning assets | $14,146,000 | 8,083 |
| Average equity | $1,371,000 | 8,170 |
| Average total loans | $10,076,500 | 7,905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6063% | 2,456 |
| Cost of funding earning assets | 2.9420% | 2,089 |
| Net interest margin | 3.6644% | 4,625 |
| Noninterest income to average assets | 0.4241% | 5,268 |
| Noninterest expense to average assets | 3.1629% | 3,471 |
| Loan and lease loss provision to assets | 0.0364% | 6,950 |
| Net operating income to assets | 0.5332% | 4,605 |
| Return on assets (ROA) | 0.5332% | 4,456 |
| Pretax return on assets | 0.6059% | 4,674 |
| Return on Equity (ROE) | 6.6315% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.8636% | 3,394 |
| Net charge-offs to loans | 0.0397% | 6,233 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,284 |
| Efficiency ratio | 83.1210% | 2,164 |
| Assets per employee ($millions) | 2.5852% | 7,041 |
| Cash dividends to net income (ytd only)* | 56.8182% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 6,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 65.6373% | 4,927 |
| Net loans and leases to deposits | 72.9141% | 5,957 |
| Net loans and leases to core deposits | 91.3914% | 5,687 |
| Total domestic deposits to total assets | 90.0200% | 639 |
| Equity capital to assets | 8.8324% | 5,599 |
| Core capital (leverage) ratio | 8.3297% | 5,894 |
| Tier 1 risk-based capital ratio | 13.6065% | 3,758 |
| Total risk-based capital ratio | 14.6181% | 3,794 |
| Memoranda: | ||
| Average total assets | $16,504,000 | 8,122 |
| Average earning assets | $15,227,800 | 8,097 |
| Average equity | $1,327,000 | 8,239 |
| Average total loans | $10,080,000 | 7,936 |