Home > Peoples State Bank of Colfax > Performance and Condition Ratios
Peoples State Bank of Colfax, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 3,763 |
| Cost of funding earning assets | 0.5773% | 4,105 |
| Net interest margin | 3.5461% | 2,080 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.1780% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2174% | 1,612 |
| Return on assets (ROA) | 1.2174% | 1,582 |
| Pretax return on assets | 1.6002% | 1,227 |
| Return on Equity (ROE) | 11.8800% | 1,982 |
| Retained earnings to average equity (ytd only) | 5.1733% | 2,547 |
| 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 | 57.6463% | 3,331 |
| Assets per employee ($millions) | 5.7911% | 2,990 |
| Cash dividends to net income (ytd only)* | 56.4453% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5142% | 4,326 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.1600% | 3,645 |
| Net loans and leases to deposits | 58.9738% | 3,581 |
| Net loans and leases to core deposits | 62.0474% | 3,678 |
| Total domestic deposits to total assets | 83.3600% | 2,792 |
| Equity capital to assets | 11.1550% | 1,414 |
| Core capital (leverage) ratio | 11.2717% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7023% | 437 |
| Memoranda: | ||
| Average total assets | $42,056,000 | 4,377 |
| Average earning assets | $40,015,400 | 4,345 |
| Average equity | $4,310,600 | 4,327 |
| Average total loans | $20,203,200 | 4,287 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,885 |
| Cost of funding earning assets | 0.4333% | 4,220 |
| Net interest margin | 3.5462% | 2,116 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.0988% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2254% | 1,714 |
| Return on assets (ROA) | 1.2254% | 1,713 |
| Pretax return on assets | 1.6118% | 1,328 |
| Return on Equity (ROE) | 12.2100% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.7096% | 1,213 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.5622% | 3,350 |
| Assets per employee ($millions) | 6.2421% | 2,533 |
| Cash dividends to net income (ytd only)* | 12.3077% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5072% | 4,342 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 46.2400% | 3,819 |
| Net loans and leases to deposits | 54.5199% | 3,772 |
| Net loans and leases to core deposits | 58.2181% | 3,776 |
| Total domestic deposits to total assets | 84.8100% | 2,557 |
| Equity capital to assets | 10.1339% | 1,752 |
| Core capital (leverage) ratio | 11.9397% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5946% | 457 |
| Memoranda: | ||
| Average total assets | $42,435,500 | 4,391 |
| Average earning assets | $40,305,250 | 4,364 |
| Average equity | $4,257,750 | 4,339 |
| Average total loans | $20,246,000 | 4,302 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 3,828 |
| Cost of funding earning assets | 0.2792% | 4,344 |
| Net interest margin | 3.6451% | 1,926 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.1706% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1424% | 1,995 |
| Return on assets (ROA) | 1.1424% | 1,988 |
| Pretax return on assets | 1.4899% | 1,621 |
| Return on Equity (ROE) | 11.4300% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.1407% | 1,651 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.2978% | 3,044 |
| Assets per employee ($millions) | 5.1818% | 3,428 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5055% | 4,376 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 48.9000% | 3,635 |
| Net loans and leases to deposits | 54.7448% | 3,707 |
| Net loans and leases to core deposits | 56.8018% | 3,783 |
| Total domestic deposits to total assets | 89.3300% | 1,126 |
| Equity capital to assets | 10.3295% | 1,673 |
| Core capital (leverage) ratio | 11.5358% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3067% | 469 |
| Memoranda: | ||
| Average total assets | $42,015,667 | 4,416 |
| Average earning assets | $40,109,000 | 4,388 |
| Average equity | $4,201,000 | 4,375 |
| Average total loans | $20,225,667 | 4,326 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 3,872 |
| Cost of funding earning assets | 0.2083% | 4,363 |
| Net interest margin | 3.5813% | 2,168 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.0144% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2010% | 1,929 |
| Return on assets (ROA) | 1.2010% | 1,887 |
| Pretax return on assets | 1.5793% | 1,511 |
| Return on Equity (ROE) | 12.2100% | 2,164 |
| Retained earnings to average equity (ytd only) | 12.2101% | 1,227 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.0526% | 3,407 |
| Assets per employee ($millions) | 5.2428% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 4,414 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 45.3200% | 3,807 |
| Net loans and leases to deposits | 50.5881% | 3,867 |
| Net loans and leases to core deposits | 51.1131% | 3,952 |
| Total domestic deposits to total assets | 89.6000% | 1,298 |
| Equity capital to assets | 10.1903% | 1,726 |
| Core capital (leverage) ratio | 11.1597% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4126% | 412 |
| Memoranda: | ||
| Average total assets | $42,296,500 | 4,485 |
| Average earning assets | $40,320,000 | 4,453 |
| Average equity | $4,160,500 | 4,439 |
| Average total loans | $20,151,000 | 4,387 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4098% | 3,318 |
| Cost of funding earning assets | 0.1789% | 3,920 |
| Net interest margin | 3.2309% | 2,762 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.0742% | 3,373 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9964% | 2,576 |
| Return on assets (ROA) | 0.9964% | 2,532 |
| Pretax return on assets | 1.3263% | 2,003 |
| Return on Equity (ROE) | 10.1600% | 2,759 |
| Retained earnings to average equity (ytd only) | 3.3142% | 3,621 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.5834% | 2,975 |
| Assets per employee ($millions) | 5.3314% | 3,387 |
| Cash dividends to net income (ytd only)* | 67.3660% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4861% | 4,448 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.4400% | 3,548 |
| Net loans and leases to deposits | 56.4763% | 3,549 |
| Net loans and leases to core deposits | 58.6521% | 3,579 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 9.4886% | 2,021 |
| Core capital (leverage) ratio | 10.7194% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3755% | 595 |
| Memoranda: | ||
| Average total assets | $43,053,400 | 4,501 |
| Average earning assets | $40,236,400 | 4,475 |
| Average equity | $4,224,200 | 4,508 |
| Average total loans | $19,370,200 | 4,423 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2383% | 3,337 |
| Cost of funding earning assets | 0.1725% | 3,598 |
| Net interest margin | 3.0658% | 3,037 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.9156% | 3,712 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9145% | 2,817 |
| Return on assets (ROA) | 0.9145% | 2,787 |
| Pretax return on assets | 1.2173% | 2,303 |
| Return on Equity (ROE) | 9.2500% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.7465% | 2,101 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.5469% | 3,048 |
| Assets per employee ($millions) | 5.4865% | 3,237 |
| Cash dividends to net income (ytd only)* | 16.2162% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4932% | 4,481 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.3500% | 3,678 |
| Net loans and leases to deposits | 54.7469% | 3,561 |
| Net loans and leases to core deposits | 55.3078% | 3,668 |
| Total domestic deposits to total assets | 86.4900% | 2,926 |
| Equity capital to assets | 9.3411% | 1,988 |
| Core capital (leverage) ratio | 10.8500% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9538% | 433 |
| Memoranda: | ||
| Average total assets | $43,154,000 | 4,533 |
| Average earning assets | $40,184,250 | 4,509 |
| Average equity | $4,268,500 | 4,547 |
| Average total loans | $18,915,500 | 4,459 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0947% | 3,317 |
| Cost of funding earning assets | 0.1455% | 3,631 |
| Net interest margin | 2.9493% | 3,036 |
| Noninterest income to average assets | 0.1492% | 4,270 |
| Noninterest expense to average assets | 1.8831% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7531% | 3,132 |
| Return on assets (ROA) | 0.7458% | 3,108 |
| Pretax return on assets | 0.9975% | 2,747 |
| Return on Equity (ROE) | 7.3994% | 3,184 |
| Retained earnings to average equity (ytd only) | 5.1796% | 2,642 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1613% | 2,625 |
| Assets per employee ($millions) | 5.4029% | 3,327 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 4,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.7134% | 3,920 |
| Net loans and leases to deposits | 47.3360% | 3,963 |
| Net loans and leases to core deposits | 47.8080% | 4,035 |
| Total domestic deposits to total assets | 90.2344% | 1,621 |
| Equity capital to assets | 9.5736% | 1,960 |
| Core capital (leverage) ratio | 10.5669% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2333% | 466 |
| Memoranda: | ||
| Average total assets | $42,908,000 | 4,579 |
| Average earning assets | $39,874,333 | 4,567 |
| Average equity | $4,324,667 | 4,589 |
| Average total loans | $18,258,667 | 4,530 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9755% | 3,324 |
| Cost of funding earning assets | 0.1508% | 3,495 |
| Net interest margin | 2.8248% | 3,060 |
| Noninterest income to average assets | 0.1871% | 4,034 |
| Noninterest expense to average assets | 1.8994% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6830% | 3,115 |
| Return on assets (ROA) | 0.6830% | 3,105 |
| Pretax return on assets | 0.9169% | 2,713 |
| Return on Equity (ROE) | 6.6093% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.6093% | 2,029 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4419% | 2,576 |
| Assets per employee ($millions) | 5.6828% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 4,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.1373% | 4,113 |
| Net loans and leases to deposits | 42.2662% | 4,151 |
| Net loans and leases to core deposits | 42.9978% | 4,205 |
| Total domestic deposits to total assets | 90.2314% | 1,422 |
| Equity capital to assets | 9.5398% | 2,249 |
| Core capital (leverage) ratio | 10.3228% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0072% | 433 |
| Memoranda: | ||
| Average total assets | $42,750,500 | 4,604 |
| Average earning assets | $39,791,000 | 4,593 |
| Average equity | $4,418,000 | 4,619 |
| Average total loans | $18,110,500 | 4,549 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 2,208 |
| Cost of funding earning assets | 0.1948% | 3,527 |
| Net interest margin | 3.4697% | 1,833 |
| Noninterest income to average assets | 0.4090% | 3,003 |
| Noninterest expense to average assets | 2.0329% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2125% | 1,887 |
| Return on assets (ROA) | 1.2125% | 1,933 |
| Pretax return on assets | 1.6335% | 1,327 |
| Return on Equity (ROE) | 11.2209% | 2,093 |
| Retained earnings to average equity (ytd only) | 4.7867% | 2,873 |
| Net charge-offs to loans | -0.0051% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4462% | 3,763 |
| Assets per employee ($millions) | 5.0049% | 3,722 |
| Cash dividends to net income (ytd only)* | 57.3413% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 4,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.6970% | 3,635 |
| Net loans and leases to deposits | 52.7806% | 3,682 |
| Net loans and leases to core deposits | 53.8400% | 3,763 |
| Total domestic deposits to total assets | 88.4737% | 1,799 |
| Equity capital to assets | 11.2365% | 1,641 |
| Core capital (leverage) ratio | 10.6539% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9399% | 449 |
| Memoranda: | ||
| Average total assets | $41,567,200 | 4,645 |
| Average earning assets | $39,024,000 | 4,629 |
| Average equity | $4,491,600 | 4,671 |
| Average total loans | $19,485,800 | 4,580 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 2,114 |
| Cost of funding earning assets | 0.2058% | 3,549 |
| Net interest margin | 3.5562% | 1,710 |
| Noninterest income to average assets | 0.3210% | 3,511 |
| Noninterest expense to average assets | 1.8435% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3508% | 1,690 |
| Return on assets (ROA) | 1.3508% | 1,744 |
| Pretax return on assets | 1.8276% | 1,099 |
| Return on Equity (ROE) | 12.6210% | 1,824 |
| Retained earnings to average equity (ytd only) | 11.1956% | 1,014 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2165% | 4,203 |
| Assets per employee ($millions) | 5.1996% | 3,504 |
| Cash dividends to net income (ytd only)* | 11.2941% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.0731% | 3,708 |
| Net loans and leases to deposits | 53.3034% | 3,792 |
| Net loans and leases to core deposits | 54.3328% | 3,894 |
| Total domestic deposits to total assets | 88.3117% | 1,661 |
| Equity capital to assets | 11.3277% | 1,785 |
| Core capital (leverage) ratio | 10.9601% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1236% | 477 |
| Memoranda: | ||
| Average total assets | $41,949,250 | 4,711 |
| Average earning assets | $39,516,750 | 4,687 |
| Average equity | $4,489,750 | 4,740 |
| Average total loans | $19,659,750 | 4,643 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 2,843 |
| Cost of funding earning assets | 0.2226% | 3,535 |
| Net interest margin | 3.2936% | 2,458 |
| Noninterest income to average assets | 0.1664% | 4,369 |
| Noninterest expense to average assets | 1.7924% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0983% | 2,558 |
| Return on assets (ROA) | 1.0983% | 2,624 |
| Pretax return on assets | 1.4691% | 2,113 |
| Return on Equity (ROE) | 10.4627% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.2887% | 1,982 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9563% | 3,683 |
| Assets per employee ($millions) | 6.2294% | 2,404 |
| Cash dividends to net income (ytd only)* | 20.7792% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 4,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 44.3288% | 4,024 |
| Net loans and leases to deposits | 49.5781% | 4,133 |
| Net loans and leases to core deposits | 50.4792% | 4,214 |
| Total domestic deposits to total assets | 89.4120% | 1,074 |
| Equity capital to assets | 10.3197% | 2,562 |
| Core capital (leverage) ratio | 10.1667% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4227% | 459 |
| Memoranda: | ||
| Average total assets | $42,066,667 | 4,739 |
| Average earning assets | $39,531,667 | 4,718 |
| Average equity | $4,415,667 | 4,777 |
| Average total loans | $19,655,333 | 4,674 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 3,449 |
| Cost of funding earning assets | 0.2593% | 3,384 |
| Net interest margin | 3.0395% | 3,159 |
| Noninterest income to average assets | 0.1550% | 4,426 |
| Noninterest expense to average assets | 1.7725% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9395% | 3,011 |
| Return on assets (ROA) | 0.9395% | 3,090 |
| Pretax return on assets | 1.2204% | 2,788 |
| Return on Equity (ROE) | 8.8716% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.8716% | 1,990 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2233% | 3,122 |
| Assets per employee ($millions) | 6.3631% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4682% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.9069% | 4,120 |
| Net loans and leases to deposits | 48.9267% | 4,223 |
| Net loans and leases to core deposits | 49.8789% | 4,300 |
| Total domestic deposits to total assets | 89.7400% | 935 |
| Equity capital to assets | 9.8985% | 2,800 |
| Core capital (leverage) ratio | 10.4345% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5634% | 548 |
| Memoranda: | ||
| Average total assets | $41,297,000 | 4,772 |
| Average earning assets | $38,558,500 | 4,748 |
| Average equity | $4,373,500 | 4,802 |
| Average total loans | $19,772,000 | 4,698 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 2,431 |
| Cost of funding earning assets | 0.4108% | 3,515 |
| Net interest margin | 3.6858% | 1,852 |
| Noninterest income to average assets | 0.3386% | 3,435 |
| Noninterest expense to average assets | 2.0927% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2690% | 1,341 |
| Return on assets (ROA) | 1.2690% | 1,443 |
| Pretax return on assets | 1.7142% | 834 |
| Return on Equity (ROE) | 10.9682% | 1,637 |
| Retained earnings to average equity (ytd only) | 3.2029% | 3,221 |
| Net charge-offs to loans | 0.0245% | 2,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 128.6000% | 660 |
| Efficiency ratio | 54.9720% | 4,094 |
| Assets per employee ($millions) | 5.4360% | 2,910 |
| Cash dividends to net income (ytd only)* | 70.7983% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4624% | 4,814 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,459 |
| Noncurrent loans to loans | 0.0050% | 4,377 |
| Net loans and leases to total assets | 52.0419% | 3,653 |
| Net loans and leases to deposits | 59.0042% | 3,826 |
| Net loans and leases to core deposits | 60.3713% | 3,921 |
| Total domestic deposits to total assets | 88.2004% | 1,374 |
| Equity capital to assets | 11.4002% | 1,959 |
| Core capital (leverage) ratio | 10.4190% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7543% | 455 |
| Memoranda: | ||
| Average total assets | $37,511,000 | 4,799 |
| Average earning assets | $35,297,200 | 4,776 |
| Average equity | $4,339,800 | 4,816 |
| Average total loans | $20,425,800 | 4,703 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,446 |
| Cost of funding earning assets | 0.4305% | 3,639 |
| Net interest margin | 3.7501% | 1,763 |
| Noninterest income to average assets | 0.3246% | 3,543 |
| Noninterest expense to average assets | 1.9834% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3912% | 1,121 |
| Return on assets (ROA) | 1.3912% | 1,217 |
| Pretax return on assets | 1.8835% | 656 |
| Return on Equity (ROE) | 11.9806% | 1,373 |
| Retained earnings to average equity (ytd only) | 9.0315% | 972 |
| Net charge-offs to loans | 0.0389% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 863 |
| Efficiency ratio | 51.2915% | 4,399 |
| Assets per employee ($millions) | 5.9197% | 2,338 |
| Cash dividends to net income (ytd only)* | 24.6154% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4459% | 4,855 |
| Loan loss allowance to noncurrent loans | 227.5000% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 3,951 |
| Noncurrent loans to loans | 0.1960% | 3,606 |
| Net loans and leases to total assets | 49.0299% | 4,153 |
| Net loans and leases to deposits | 58.4174% | 4,144 |
| Net loans and leases to core deposits | 59.7172% | 4,219 |
| Total domestic deposits to total assets | 83.9302% | 2,840 |
| Equity capital to assets | 10.8475% | 2,519 |
| Core capital (leverage) ratio | 11.1387% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1404% | 574 |
| Memoranda: | ||
| Average total assets | $37,375,750 | 4,825 |
| Average earning assets | $35,304,500 | 4,802 |
| Average equity | $4,340,250 | 4,841 |
| Average total loans | $20,558,500 | 4,735 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,145 |
| Cost of funding earning assets | 0.4476% | 3,805 |
| Net interest margin | 3.9762% | 1,386 |
| Noninterest income to average assets | 0.2943% | 3,705 |
| Noninterest expense to average assets | 2.0266% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5269% | 882 |
| Return on assets (ROA) | 1.5269% | 957 |
| Pretax return on assets | 2.0654% | 482 |
| Return on Equity (ROE) | 12.8245% | 1,142 |
| Retained earnings to average equity (ytd only) | 8.3476% | 1,209 |
| Net charge-offs to loans | 0.0388% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 726 |
| Efficiency ratio | 49.5251% | 4,528 |
| Assets per employee ($millions) | 5.6581% | 2,480 |
| Cash dividends to net income (ytd only)* | 34.9091% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 4,886 |
| Loan loss allowance to noncurrent loans | 129.1667% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 3,618 |
| Noncurrent loans to loans | 0.3421% | 3,170 |
| Net loans and leases to total assets | 52.9023% | 3,963 |
| Net loans and leases to deposits | 63.4017% | 3,930 |
| Net loans and leases to core deposits | 64.8820% | 4,028 |
| Total domestic deposits to total assets | 83.4398% | 2,945 |
| Equity capital to assets | 11.0788% | 2,268 |
| Core capital (leverage) ratio | 11.3844% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5461% | 622 |
| Memoranda: | ||
| Average total assets | $36,021,667 | 4,868 |
| Average earning assets | $34,404,333 | 4,835 |
| Average equity | $4,288,667 | 4,872 |
| Average total loans | $20,608,667 | 4,759 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 2,296 |
| Cost of funding earning assets | 0.4790% | 4,034 |
| Net interest margin | 4.0284% | 1,316 |
| Noninterest income to average assets | 0.2454% | 4,087 |
| Noninterest expense to average assets | 2.0334% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5075% | 767 |
| Return on assets (ROA) | 1.5075% | 839 |
| Pretax return on assets | 2.0450% | 413 |
| Return on Equity (ROE) | 12.1727% | 1,061 |
| Retained earnings to average equity (ytd only) | 12.1727% | 405 |
| Net charge-offs to loans | 0.0196% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 379 |
| Efficiency ratio | 49.8567% | 4,676 |
| Assets per employee ($millions) | 5.6942% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4727% | 4,894 |
| Loan loss allowance to noncurrent loans | 505.2632% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 4,314 |
| Noncurrent loans to loans | 0.0935% | 4,133 |
| Net loans and leases to total assets | 59.1658% | 3,580 |
| Net loans and leases to deposits | 68.0217% | 3,730 |
| Net loans and leases to core deposits | 69.7877% | 3,893 |
| Total domestic deposits to total assets | 86.9808% | 1,561 |
| Equity capital to assets | 12.5128% | 1,717 |
| Core capital (leverage) ratio | 12.3799% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7662% | 578 |
| Memoranda: | ||
| Average total assets | $34,229,000 | 4,925 |
| Average earning assets | $32,568,500 | 4,897 |
| Average equity | $4,239,000 | 4,918 |
| Average total loans | $20,390,000 | 4,799 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 2,521 |
| Cost of funding earning assets | 0.4409% | 4,305 |
| Net interest margin | 4.1889% | 1,340 |
| Noninterest income to average assets | 0.4512% | 2,999 |
| Noninterest expense to average assets | 2.4401% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5080% | 1,031 |
| Return on assets (ROA) | 1.5080% | 1,097 |
| Pretax return on assets | 2.0156% | 582 |
| Return on Equity (ROE) | 12.1172% | 1,465 |
| Retained earnings to average equity (ytd only) | 2.9100% | 3,570 |
| Net charge-offs to loans | 0.0294% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 113.1667% | 613 |
| Efficiency ratio | 54.7635% | 4,349 |
| Assets per employee ($millions) | 5.7155% | 1,867 |
| Cash dividends to net income (ytd only)* | 75.9843% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4739% | 4,917 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,675 |
| Noncurrent loans to loans | 0.0049% | 4,584 |
| Net loans and leases to total assets | 59.4086% | 3,640 |
| Net loans and leases to deposits | 68.7348% | 3,753 |
| Net loans and leases to core deposits | 69.6013% | 3,984 |
| Total domestic deposits to total assets | 86.4316% | 1,873 |
| Equity capital to assets | 12.2561% | 1,975 |
| Core capital (leverage) ratio | 11.8952% | 1,846 |
| Tier 1 risk-based capital ratio | 21.0686% | 1,154 |
| Total risk-based capital ratio | 21.5599% | 1,252 |
| Memoranda: | ||
| Average total assets | $33,686,600 | 4,981 |
| Average earning assets | $32,203,800 | 4,959 |
| Average equity | $4,192,400 | 4,967 |
| Average total loans | $20,380,600 | 4,857 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 2,571 |
| Cost of funding earning assets | 0.4298% | 4,399 |
| Net interest margin | 4.2189% | 1,331 |
| Noninterest income to average assets | 0.4214% | 3,197 |
| Noninterest expense to average assets | 2.3497% | 3,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5585% | 1,039 |
| Return on assets (ROA) | 1.5585% | 1,090 |
| Pretax return on assets | 2.0913% | 561 |
| Return on Equity (ROE) | 12.4745% | 1,458 |
| Retained earnings to average equity (ytd only) | 9.4197% | 918 |
| Net charge-offs to loans | 0.0196% | 2,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 175.3300% | 488 |
| Efficiency ratio | 52.9096% | 4,516 |
| Assets per employee ($millions) | 5.7995% | 1,764 |
| Cash dividends to net income (ytd only)* | 24.4906% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4967% | 4,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.5653% | 3,916 |
| Net loans and leases to deposits | 66.1788% | 4,051 |
| Net loans and leases to core deposits | 68.1373% | 4,168 |
| Total domestic deposits to total assets | 86.9845% | 1,529 |
| Equity capital to assets | 12.5902% | 1,848 |
| Core capital (leverage) ratio | 12.7165% | 1,477 |
| Tier 1 risk-based capital ratio | 21.2343% | 1,166 |
| Total risk-based capital ratio | 21.7244% | 1,259 |
| Memoranda: | ||
| Average total assets | $33,535,000 | 5,058 |
| Average earning assets | $31,951,000 | 5,037 |
| Average equity | $4,189,750 | 5,039 |
| Average total loans | $20,358,250 | 4,929 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 2,557 |
| Cost of funding earning assets | 0.4060% | 4,485 |
| Net interest margin | 4.2308% | 1,287 |
| Noninterest income to average assets | 0.3926% | 3,319 |
| Noninterest expense to average assets | 2.3857% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5160% | 1,106 |
| Return on assets (ROA) | 1.4254% | 1,410 |
| Pretax return on assets | 1.9206% | 799 |
| Return on Equity (ROE) | 11.4397% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.7862% | 1,911 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9617% | 4,475 |
| Assets per employee ($millions) | 5.6018% | 1,871 |
| Cash dividends to net income (ytd only)* | 40.6780% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5153% | 5,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.1681% | 3,811 |
| Net loans and leases to deposits | 67.9386% | 3,973 |
| Net loans and leases to core deposits | 70.0074% | 4,108 |
| Total domestic deposits to total assets | 87.0905% | 1,558 |
| Equity capital to assets | 12.5673% | 1,821 |
| Core capital (leverage) ratio | 12.4542% | 1,560 |
| Tier 1 risk-based capital ratio | 20.2659% | 1,298 |
| Total risk-based capital ratio | 20.7656% | 1,406 |
| Memoranda: | ||
| Average total assets | $33,114,330 | 5,107 |
| Average earning assets | $31,530,670 | 5,082 |
| Average equity | $4,126,000 | 5,084 |
| Average total loans | $20,434,000 | 4,970 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 2,478 |
| Cost of funding earning assets | 0.3580% | 4,652 |
| Net interest margin | 4.2582% | 1,175 |
| Noninterest income to average assets | 0.2799% | 4,011 |
| Noninterest expense to average assets | 2.4950% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3509% | 1,524 |
| Return on assets (ROA) | 1.3509% | 1,562 |
| Pretax return on assets | 1.8378% | 893 |
| Return on Equity (ROE) | 10.8904% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.8904% | 826 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5843% | 4,137 |
| Assets per employee ($millions) | 4.0930% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5017% | 5,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.3901% | 3,465 |
| Net loans and leases to deposits | 71.7084% | 3,625 |
| Net loans and leases to core deposits | 71.7084% | 3,968 |
| Total domestic deposits to total assets | 87.0053% | 1,812 |
| Equity capital to assets | 12.6985% | 1,627 |
| Core capital (leverage) ratio | 12.4233% | 1,552 |
| Tier 1 risk-based capital ratio | 20.1329% | 1,320 |
| Total risk-based capital ratio | 20.6325% | 1,439 |
| Memoranda: | ||
| Average total assets | $32,866,000 | 5,166 |
| Average earning assets | $31,281,000 | 5,135 |
| Average equity | $4,077,000 | 5,139 |
| Average total loans | $20,656,000 | 5,022 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 3,025 |
| Cost of funding earning assets | 0.2865% | 4,634 |
| Net interest margin | 4.0393% | 1,856 |
| Noninterest income to average assets | 0.4721% | 2,985 |
| Noninterest expense to average assets | 2.4285% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4931% | 1,141 |
| Return on assets (ROA) | 1.4931% | 1,124 |
| Pretax return on assets | 1.8708% | 765 |
| Return on Equity (ROE) | 12.5796% | 1,517 |
| Retained earnings to average equity (ytd only) | 2.9833% | 3,910 |
| Net charge-offs to loans | -0.0049% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4859% | 4,347 |
| Assets per employee ($millions) | 4.7126% | 2,858 |
| Cash dividends to net income (ytd only)* | 76.2846% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4957% | 5,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 62.6804% | 3,499 |
| Net loans and leases to deposits | 72.5712% | 3,620 |
| Net loans and leases to core deposits | 72.5712% | 3,951 |
| Total domestic deposits to total assets | 86.3708% | 2,062 |
| Equity capital to assets | 12.1135% | 1,813 |
| Core capital (leverage) ratio | 12.0525% | 1,703 |
| Tier 1 risk-based capital ratio | 19.2739% | 1,458 |
| Total risk-based capital ratio | 19.7653% | 1,567 |
| Memoranda: | ||
| Average total assets | $33,889,800 | 5,191 |
| Average earning assets | $32,109,600 | 5,165 |
| Average equity | $4,022,400 | 5,173 |
| Average total loans | $20,240,800 | 5,070 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,209 |
| Cost of funding earning assets | 0.2731% | 4,664 |
| Net interest margin | 3.9560% | 2,104 |
| Noninterest income to average assets | 0.4143% | 3,395 |
| Noninterest expense to average assets | 2.2511% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5359% | 1,106 |
| Return on assets (ROA) | 1.5359% | 1,107 |
| Pretax return on assets | 1.8994% | 818 |
| Return on Equity (ROE) | 13.0055% | 1,430 |
| Retained earnings to average equity (ytd only) | 9.7955% | 984 |
| Net charge-offs to loans | -0.0066% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2373% | 4,585 |
| Assets per employee ($millions) | 4.8057% | 2,714 |
| Cash dividends to net income (ytd only)* | 24.6818% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5118% | 5,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 59.5155% | 3,899 |
| Net loans and leases to deposits | 68.0894% | 4,053 |
| Net loans and leases to core deposits | 68.0894% | 4,293 |
| Total domestic deposits to total assets | 87.4078% | 1,541 |
| Equity capital to assets | 12.3543% | 1,672 |
| Core capital (leverage) ratio | 12.6584% | 1,434 |
| Tier 1 risk-based capital ratio | 20.4750% | 1,252 |
| Total risk-based capital ratio | 20.9752% | 1,359 |
| Memoranda: | ||
| Average total assets | $34,115,250 | 5,257 |
| Average earning assets | $32,220,500 | 5,230 |
| Average equity | $4,029,000 | 5,240 |
| Average total loans | $20,106,000 | 5,132 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,228 |
| Cost of funding earning assets | 0.2672% | 4,652 |
| Net interest margin | 3.8961% | 2,210 |
| Noninterest income to average assets | 0.3560% | 3,779 |
| Noninterest expense to average assets | 2.2583% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4705% | 1,226 |
| Return on assets (ROA) | 1.4705% | 1,226 |
| Pretax return on assets | 1.7565% | 1,081 |
| Return on Equity (ROE) | 12.6421% | 1,497 |
| Retained earnings to average equity (ytd only) | 7.7759% | 1,719 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 4,449 |
| Assets per employee ($millions) | 4.7299% | 2,779 |
| Cash dividends to net income (ytd only)* | 38.4921% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5181% | 5,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 59.1591% | 3,891 |
| Net loans and leases to deposits | 67.5437% | 4,048 |
| Net loans and leases to core deposits | 67.5437% | 4,282 |
| Total domestic deposits to total assets | 87.5865% | 1,600 |
| Equity capital to assets | 12.1810% | 1,730 |
| Core capital (leverage) ratio | 12.1052% | 1,648 |
| Tier 1 risk-based capital ratio | 20.4395% | 1,253 |
| Total risk-based capital ratio | 20.9512% | 1,349 |
| Memoranda: | ||
| Average total assets | $34,273,670 | 5,320 |
| Average earning assets | $32,186,330 | 5,292 |
| Average equity | $3,986,670 | 5,299 |
| Average total loans | $20,100,000 | 5,194 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,497 |
| Cost of funding earning assets | 0.2444% | 4,747 |
| Net interest margin | 3.7883% | 2,469 |
| Noninterest income to average assets | 0.2984% | 4,167 |
| Noninterest expense to average assets | 2.1574% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5378% | 984 |
| Return on assets (ROA) | 1.5378% | 993 |
| Pretax return on assets | 1.6984% | 1,119 |
| Return on Equity (ROE) | 13.5234% | 1,129 |
| Retained earnings to average equity (ytd only) | 13.5234% | 454 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9524% | 4,587 |
| Assets per employee ($millions) | 4.8203% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5193% | 5,305 |
| 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 | 57.9071% | 3,946 |
| Net loans and leases to deposits | 65.9411% | 4,090 |
| Net loans and leases to core deposits | 65.9411% | 4,310 |
| Total domestic deposits to total assets | 87.8164% | 1,719 |
| Equity capital to assets | 11.8784% | 1,862 |
| Core capital (leverage) ratio | 11.8816% | 1,731 |
| Tier 1 risk-based capital ratio | 20.3678% | 1,282 |
| Total risk-based capital ratio | 20.8802% | 1,378 |
| Memoranda: | ||
| Average total assets | $34,856,000 | 5,367 |
| Average earning assets | $32,732,500 | 5,339 |
| Average equity | $3,963,500 | 5,359 |
| Average total loans | $20,305,500 | 5,246 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 3,525 |
| Cost of funding earning assets | 0.2437% | 4,616 |
| Net interest margin | 3.7193% | 2,724 |
| Noninterest income to average assets | 0.4313% | 3,427 |
| Noninterest expense to average assets | 2.3752% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0841% | 1,914 |
| Return on assets (ROA) | 1.0841% | 1,938 |
| Pretax return on assets | 1.5672% | 1,396 |
| Return on Equity (ROE) | 9.5554% | 2,078 |
| Retained earnings to average equity (ytd only) | 2.2304% | 3,984 |
| Net charge-offs to loans | -0.0049% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2480% | 4,225 |
| Assets per employee ($millions) | 5.1386% | 2,326 |
| Cash dividends to net income (ytd only)* | 76.6578% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4864% | 5,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 58.0150% | 4,005 |
| Net loans and leases to deposits | 65.4067% | 4,231 |
| Net loans and leases to core deposits | 65.4067% | 4,451 |
| Total domestic deposits to total assets | 88.6989% | 1,152 |
| Equity capital to assets | 10.8952% | 2,736 |
| Core capital (leverage) ratio | 11.0298% | 2,310 |
| Tier 1 risk-based capital ratio | 18.3853% | 1,684 |
| Total risk-based capital ratio | 18.8638% | 1,862 |
| Memoranda: | ||
| Average total assets | $34,776,200 | 5,418 |
| Average earning assets | $32,828,600 | 5,388 |
| Average equity | $3,945,400 | 5,428 |
| Average total loans | $20,306,800 | 5,304 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,530 |
| Cost of funding earning assets | 0.2459% | 4,599 |
| Net interest margin | 3.7008% | 2,763 |
| Noninterest income to average assets | 0.3829% | 3,796 |
| Noninterest expense to average assets | 2.2313% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1331% | 1,944 |
| Return on assets (ROA) | 1.1331% | 2,002 |
| Pretax return on assets | 1.6436% | 1,263 |
| Return on Equity (ROE) | 9.8851% | 2,183 |
| Retained earnings to average equity (ytd only) | 6.6463% | 1,880 |
| Net charge-offs to loans | -0.0066% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5848% | 4,557 |
| Assets per employee ($millions) | 4.9194% | 2,551 |
| Cash dividends to net income (ytd only)* | 32.7651% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5074% | 5,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.0846% | 4,049 |
| Net loans and leases to deposits | 66.2340% | 4,235 |
| Net loans and leases to core deposits | 67.3536% | 4,399 |
| Total domestic deposits to total assets | 87.6960% | 1,516 |
| Equity capital to assets | 11.8016% | 2,109 |
| Core capital (leverage) ratio | 11.8558% | 1,781 |
| Tier 1 risk-based capital ratio | 20.0648% | 1,346 |
| Total risk-based capital ratio | 20.5729% | 1,469 |
| Memoranda: | ||
| Average total assets | $34,477,750 | 5,488 |
| Average earning assets | $32,533,000 | 5,451 |
| Average equity | $3,952,000 | 5,486 |
| Average total loans | $20,141,000 | 5,364 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 3,559 |
| Cost of funding earning assets | 0.2392% | 4,648 |
| Net interest margin | 3.6562% | 2,813 |
| Noninterest income to average assets | 0.3305% | 4,179 |
| Noninterest expense to average assets | 2.2382% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0843% | 2,064 |
| Return on assets (ROA) | 1.0843% | 2,108 |
| Pretax return on assets | 1.5482% | 1,499 |
| Return on Equity (ROE) | 9.5538% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.6492% | 2,944 |
| Net charge-offs to loans | -0.0099% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1118% | 4,455 |
| Assets per employee ($millions) | 4.9141% | 2,492 |
| Cash dividends to net income (ytd only)* | 51.3369% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 5,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 58.1005% | 4,021 |
| Net loans and leases to deposits | 66.0258% | 4,220 |
| Net loans and leases to core deposits | 67.1370% | 4,408 |
| Total domestic deposits to total assets | 87.9967% | 1,459 |
| Equity capital to assets | 11.5410% | 2,286 |
| Core capital (leverage) ratio | 11.4084% | 2,040 |
| Tier 1 risk-based capital ratio | 19.7126% | 1,433 |
| Total risk-based capital ratio | 20.2251% | 1,544 |
| Memoranda: | ||
| Average total assets | $34,491,670 | 5,527 |
| Average earning assets | $32,602,000 | 5,497 |
| Average equity | $3,914,670 | 5,534 |
| Average total loans | $20,153,330 | 5,404 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 3,866 |
| Cost of funding earning assets | 0.2319% | 4,696 |
| Net interest margin | 3.5388% | 3,126 |
| Noninterest income to average assets | 0.2664% | 4,639 |
| Noninterest expense to average assets | 2.2700% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9728% | 2,425 |
| Return on assets (ROA) | 0.9728% | 2,478 |
| Pretax return on assets | 1.3550% | 2,045 |
| Return on Equity (ROE) | 8.6442% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.6442% | 1,214 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6198% | 4,055 |
| Assets per employee ($millions) | 4.8217% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5008% | 5,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.4513% | 3,841 |
| Net loans and leases to deposits | 67.6945% | 4,016 |
| Net loans and leases to core deposits | 67.6945% | 4,315 |
| Total domestic deposits to total assets | 87.8229% | 1,812 |
| Equity capital to assets | 11.6645% | 2,070 |
| Core capital (leverage) ratio | 11.5099% | 1,937 |
| Tier 1 risk-based capital ratio | 19.6636% | 1,457 |
| Total risk-based capital ratio | 20.1707% | 1,593 |
| Memoranda: | ||
| Average total assets | $34,538,000 | 5,586 |
| Average earning assets | $32,779,500 | 5,558 |
| Average equity | $3,887,000 | 5,595 |
| Average total loans | $20,186,000 | 5,457 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 3,925 |
| Cost of funding earning assets | 0.2435% | 4,624 |
| Net interest margin | 3.5527% | 3,241 |
| Noninterest income to average assets | 0.4514% | 3,533 |
| Noninterest expense to average assets | 2.2686% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0724% | 2,028 |
| Return on assets (ROA) | 1.1102% | 1,954 |
| Pretax return on assets | 1.5928% | 1,309 |
| Return on Equity (ROE) | 9.8305% | 2,032 |
| Retained earnings to average equity (ytd only) | 0.1257% | 5,264 |
| Net charge-offs to loans | -0.0665% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5824% | 4,647 |
| Assets per employee ($millions) | 5.0463% | 2,335 |
| Cash dividends to net income (ytd only)* | 98.7212% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4999% | 5,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.9131% | 4,175 |
| Net loans and leases to deposits | 64.1153% | 4,409 |
| Net loans and leases to core deposits | 64.1153% | 4,628 |
| Total domestic deposits to total assets | 88.7668% | 1,221 |
| Equity capital to assets | 10.8623% | 2,750 |
| Core capital (leverage) ratio | 10.4719% | 2,904 |
| Tier 1 risk-based capital ratio | 18.8120% | 1,652 |
| Total risk-based capital ratio | 19.3078% | 1,794 |
| Memoranda: | ||
| Average total assets | $35,220,200 | 5,634 |
| Average earning assets | $33,270,400 | 5,603 |
| Average equity | $3,977,400 | 5,648 |
| Average total loans | $19,547,600 | 5,532 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 3,978 |
| Cost of funding earning assets | 0.2446% | 4,657 |
| Net interest margin | 3.5368% | 3,332 |
| Noninterest income to average assets | 0.3826% | 4,046 |
| Noninterest expense to average assets | 2.1367% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1032% | 1,983 |
| Return on assets (ROA) | 1.1555% | 1,884 |
| Pretax return on assets | 1.6631% | 1,214 |
| Return on Equity (ROE) | 10.1348% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.9448% | 1,657 |
| Net charge-offs to loans | -0.0894% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3754% | 4,910 |
| Assets per employee ($millions) | 5.0761% | 2,286 |
| Cash dividends to net income (ytd only)* | 31.4759% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5095% | 5,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.5033% | 4,358 |
| Net loans and leases to deposits | 63.1589% | 4,547 |
| Net loans and leases to core deposits | 67.4879% | 4,508 |
| Total domestic deposits to total assets | 87.8789% | 1,463 |
| Equity capital to assets | 11.5920% | 2,439 |
| Core capital (leverage) ratio | 11.3982% | 2,113 |
| Tier 1 risk-based capital ratio | 20.3131% | 1,388 |
| Total risk-based capital ratio | 20.8214% | 1,496 |
| Memoranda: | ||
| Average total assets | $35,194,250 | 5,693 |
| Average earning assets | $33,250,000 | 5,662 |
| Average equity | $4,012,500 | 5,703 |
| Average total loans | $19,383,250 | 5,592 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 3,983 |
| Cost of funding earning assets | 0.2411% | 4,744 |
| Net interest margin | 3.5504% | 3,294 |
| Noninterest income to average assets | 0.3535% | 4,244 |
| Noninterest expense to average assets | 2.1493% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0843% | 2,013 |
| Return on assets (ROA) | 1.1630% | 1,832 |
| Pretax return on assets | 1.6761% | 1,154 |
| Return on Equity (ROE) | 10.2590% | 1,941 |
| Retained earnings to average equity (ytd only) | 5.4312% | 2,463 |
| Net charge-offs to loans | -0.1352% | 5,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9109% | 4,914 |
| Assets per employee ($millions) | 5.1034% | 2,194 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5377% | 5,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 52.2926% | 4,643 |
| Net loans and leases to deposits | 59.2615% | 4,842 |
| Net loans and leases to core deposits | 63.2804% | 4,796 |
| Total domestic deposits to total assets | 88.2404% | 1,299 |
| Equity capital to assets | 11.2641% | 2,784 |
| Core capital (leverage) ratio | 11.4233% | 2,050 |
| Tier 1 risk-based capital ratio | 21.8599% | 1,153 |
| Total risk-based capital ratio | 22.4210% | 1,229 |
| Memoranda: | ||
| Average total assets | $35,081,330 | 5,765 |
| Average earning assets | $33,179,000 | 5,729 |
| Average equity | $3,977,000 | 5,773 |
| Average total loans | $19,236,670 | 5,661 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,818 |
| Cost of funding earning assets | 0.2421% | 4,786 |
| Net interest margin | 3.5950% | 3,103 |
| Noninterest income to average assets | 0.2532% | 4,937 |
| Noninterest expense to average assets | 2.1519% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0621% | 2,042 |
| Return on assets (ROA) | 1.1507% | 1,821 |
| Pretax return on assets | 1.6456% | 1,192 |
| Return on Equity (ROE) | 10.1176% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.1176% | 825 |
| Net charge-offs to loans | -0.2672% | 5,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6207% | 4,923 |
| Assets per employee ($millions) | 4.7319% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5069% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.8527% | 3,795 |
| Net loans and leases to deposits | 68.5773% | 3,993 |
| Net loans and leases to core deposits | 71.0344% | 4,154 |
| Total domestic deposits to total assets | 87.2777% | 2,061 |
| Equity capital to assets | 12.0973% | 1,958 |
| Core capital (leverage) ratio | 11.4534% | 2,008 |
| Tier 1 risk-based capital ratio | 19.7913% | 1,549 |
| Total risk-based capital ratio | 20.3004% | 1,685 |
| Memoranda: | ||
| Average total assets | $34,760,000 | 5,825 |
| Average earning assets | $33,045,500 | 5,790 |
| Average equity | $3,953,500 | 5,821 |
| Average total loans | $19,464,000 | 5,698 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 4,511 |
| Cost of funding earning assets | 0.2475% | 4,810 |
| Net interest margin | 3.4054% | 3,890 |
| Noninterest income to average assets | 0.4268% | 3,839 |
| Noninterest expense to average assets | 2.2352% | 4,962 |
| Loan and lease loss provision to assets | 0.0197% | 4,009 |
| Net operating income to assets | 0.9997% | 2,363 |
| Return on assets (ROA) | 0.9997% | 2,462 |
| Pretax return on assets | 1.3788% | 1,983 |
| Return on Equity (ROE) | 9.0470% | 2,431 |
| Retained earnings to average equity (ytd only) | 1.7027% | 4,756 |
| Net charge-offs to loans | 0.0624% | 2,979 |
| Credit loss provision to net charge-offs | 63.6364% | 3,216 |
| Earnings coverage of net charge-offs (x) | 45.2727% | 1,074 |
| Efficiency ratio | 61.5147% | 4,688 |
| Assets per employee ($millions) | 5.1996% | 2,123 |
| Cash dividends to net income (ytd only)* | 81.1798% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4631% | 5,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.9658% | 4,701 |
| Net loans and leases to deposits | 58.5337% | 4,881 |
| Net loans and leases to core deposits | 58.5337% | 5,076 |
| Total domestic deposits to total assets | 88.7793% | 1,239 |
| Equity capital to assets | 10.7152% | 3,112 |
| Core capital (leverage) ratio | 10.7202% | 2,690 |
| Tier 1 risk-based capital ratio | 19.2835% | 1,632 |
| Total risk-based capital ratio | 19.7269% | 1,782 |
| Memoranda: | ||
| Average total assets | $35,611,800 | 5,859 |
| Average earning assets | $33,535,200 | 5,828 |
| Average equity | $3,935,000 | 5,862 |
| Average total loans | $17,620,800 | 5,804 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 4,581 |
| Cost of funding earning assets | 0.2520% | 4,865 |
| Net interest margin | 3.3960% | 3,975 |
| Noninterest income to average assets | 0.3878% | 4,170 |
| Noninterest expense to average assets | 2.1233% | 5,230 |
| Loan and lease loss provision to assets | 0.0150% | 3,967 |
| Net operating income to assets | 1.0391% | 2,279 |
| Return on assets (ROA) | 1.0391% | 2,374 |
| Pretax return on assets | 1.4457% | 1,845 |
| Return on Equity (ROE) | 9.3310% | 2,401 |
| Retained earnings to average equity (ytd only) | 7.7081% | 1,369 |
| Net charge-offs to loans | 0.0849% | 2,330 |
| Credit loss provision to net charge-offs | 36.3636% | 3,204 |
| Earnings coverage of net charge-offs (x) | 35.2638% | 1,354 |
| Efficiency ratio | 59.2437% | 4,974 |
| Assets per employee ($millions) | 4.9091% | 2,408 |
| Cash dividends to net income (ytd only)* | 17.3918% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 6,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.5481% | 4,797 |
| Net loans and leases to deposits | 58.8036% | 4,934 |
| Net loans and leases to core deposits | 58.8036% | 5,142 |
| Total domestic deposits to total assets | 87.6615% | 1,723 |
| Equity capital to assets | 11.8147% | 2,251 |
| Core capital (leverage) ratio | 11.5903% | 1,967 |
| Tier 1 risk-based capital ratio | 21.6633% | 1,242 |
| Total risk-based capital ratio | 22.1250% | 1,337 |
| Memoranda: | ||
| Average total assets | $35,415,500 | 5,940 |
| Average earning assets | $33,332,000 | 5,908 |
| Average equity | $3,943,750 | 5,940 |
| Average total loans | $17,275,500 | 5,892 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 4,784 |
| Cost of funding earning assets | 0.2495% | 4,948 |
| Net interest margin | 3.3273% | 4,184 |
| Noninterest income to average assets | 0.3747% | 4,264 |
| Noninterest expense to average assets | 2.1081% | 5,322 |
| Loan and lease loss provision to assets | 0.0056% | 3,990 |
| Net operating income to assets | 1.0065% | 2,360 |
| Return on assets (ROA) | 1.0065% | 2,465 |
| Pretax return on assets | 1.3924% | 2,010 |
| Return on Equity (ROE) | 9.2190% | 2,425 |
| Retained earnings to average equity (ytd only) | 6.7606% | 1,813 |
| Net charge-offs to loans | 0.1286% | 1,730 |
| Credit loss provision to net charge-offs | 9.0909% | 3,106 |
| Earnings coverage of net charge-offs (x) | 22.7273% | 1,634 |
| Efficiency ratio | 60.1276% | 4,957 |
| Assets per employee ($millions) | 5.1624% | 2,081 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4678% | 6,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.2802% | 5,079 |
| Net loans and leases to deposits | 57.1564% | 5,052 |
| Net loans and leases to core deposits | 57.1564% | 5,243 |
| Total domestic deposits to total assets | 84.4702% | 3,365 |
| Equity capital to assets | 10.9417% | 2,945 |
| Core capital (leverage) ratio | 10.9826% | 2,442 |
| Tier 1 risk-based capital ratio | 21.5385% | 1,276 |
| Total risk-based capital ratio | 21.9923% | 1,390 |
| Memoranda: | ||
| Average total assets | $35,766,000 | 6,000 |
| Average earning assets | $33,661,000 | 5,963 |
| Average equity | $3,905,000 | 6,008 |
| Average total loans | $17,101,000 | 5,957 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 5,030 |
| Cost of funding earning assets | 0.2616% | 4,885 |
| Net interest margin | 3.2105% | 4,570 |
| Noninterest income to average assets | 0.2923% | 4,834 |
| Noninterest expense to average assets | 2.0910% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9219% | 2,642 |
| Return on assets (ROA) | 0.9219% | 2,766 |
| Pretax return on assets | 1.2366% | 2,523 |
| Return on Equity (ROE) | 8.4525% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.4525% | 1,393 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8378% | 4,646 |
| Assets per employee ($millions) | 4.9159% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5637% | 6,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.1652% | 5,113 |
| Net loans and leases to deposits | 53.5714% | 5,224 |
| Net loans and leases to core deposits | 53.5714% | 5,392 |
| Total domestic deposits to total assets | 88.0416% | 1,797 |
| Equity capital to assets | 11.4237% | 2,536 |
| Core capital (leverage) ratio | 11.0431% | 2,374 |
| Tier 1 risk-based capital ratio | 22.7958% | 1,136 |
| Total risk-based capital ratio | 23.3416% | 1,209 |
| Memoranda: | ||
| Average total assets | $35,580,500 | 6,065 |
| Average earning assets | $33,639,500 | 6,022 |
| Average equity | $3,880,500 | 6,068 |
| Average total loans | $16,887,000 | 6,022 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 5,572 |
| Cost of funding earning assets | 0.2914% | 4,875 |
| Net interest margin | 3.0874% | 5,238 |
| Noninterest income to average assets | 0.4068% | 4,129 |
| Noninterest expense to average assets | 2.1191% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8988% | 2,879 |
| Return on assets (ROA) | 0.8988% | 2,967 |
| Pretax return on assets | 1.2286% | 2,536 |
| Return on Equity (ROE) | 8.5976% | 2,792 |
| Retained earnings to average equity (ytd only) | 2.2611% | 4,630 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3005% | 4,705 |
| Assets per employee ($millions) | 5.2500% | 2,017 |
| Cash dividends to net income (ytd only)* | 73.7003% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 6,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.2381% | 5,226 |
| Net loans and leases to deposits | 52.9688% | 5,414 |
| Net loans and leases to core deposits | 52.9688% | 5,564 |
| Total domestic deposits to total assets | 89.1810% | 1,134 |
| Equity capital to assets | 10.4218% | 3,587 |
| Core capital (leverage) ratio | 10.2980% | 3,175 |
| Tier 1 risk-based capital ratio | 20.4704% | 1,515 |
| Total risk-based capital ratio | 20.9713% | 1,625 |
| Memoranda: | ||
| Average total assets | $36,383,000 | 6,121 |
| Average earning assets | $34,657,200 | 6,073 |
| Average equity | $3,803,400 | 6,128 |
| Average total loans | $16,372,200 | 6,111 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3318% | 5,708 |
| Cost of funding earning assets | 0.2966% | 4,915 |
| Net interest margin | 3.0352% | 5,420 |
| Noninterest income to average assets | 0.3600% | 4,555 |
| Noninterest expense to average assets | 2.0243% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8964% | 2,923 |
| Return on assets (ROA) | 0.8964% | 3,021 |
| Pretax return on assets | 1.2308% | 2,648 |
| Return on Equity (ROE) | 8.5686% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.8830% | 1,881 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1896% | 4,861 |
| Assets per employee ($millions) | 5.2337% | 1,977 |
| Cash dividends to net income (ytd only)* | 19.6723% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5428% | 6,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.0121% | 5,376 |
| Net loans and leases to deposits | 51.7530% | 5,544 |
| Net loans and leases to core deposits | 51.7530% | 5,696 |
| Total domestic deposits to total assets | 88.9071% | 1,299 |
| Equity capital to assets | 10.7080% | 3,288 |
| Core capital (leverage) ratio | 10.6921% | 2,826 |
| Tier 1 risk-based capital ratio | 21.5431% | 1,336 |
| Total risk-based capital ratio | 22.0552% | 1,463 |
| Memoranda: | ||
| Average total assets | $36,291,250 | 6,193 |
| Average earning assets | $34,614,750 | 6,146 |
| Average equity | $3,796,750 | 6,197 |
| Average total loans | $16,102,250 | 6,190 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 5,822 |
| Cost of funding earning assets | 0.3071% | 4,902 |
| Net interest margin | 2.9781% | 5,579 |
| Noninterest income to average assets | 0.3317% | 4,765 |
| Noninterest expense to average assets | 2.0566% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8293% | 3,178 |
| Return on assets (ROA) | 0.8293% | 3,274 |
| Pretax return on assets | 1.1168% | 3,024 |
| Return on Equity (ROE) | 7.9900% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.4332% | 2,682 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8084% | 4,566 |
| Assets per employee ($millions) | 5.2513% | 1,913 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 6,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 5,373 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.7476% | 5,690 |
| Net loans and leases to deposits | 46.7980% | 5,838 |
| Net loans and leases to core deposits | 46.7980% | 5,960 |
| Total domestic deposits to total assets | 89.2081% | 1,244 |
| Equity capital to assets | 10.4192% | 3,541 |
| Core capital (leverage) ratio | 10.3093% | 3,204 |
| Tier 1 risk-based capital ratio | 22.4042% | 1,203 |
| Total risk-based capital ratio | 22.9500% | 1,289 |
| Memoranda: | ||
| Average total assets | $36,176,330 | 6,255 |
| Average earning assets | $34,518,670 | 6,211 |
| Average equity | $3,754,670 | 6,253 |
| Average total loans | $15,820,000 | 6,255 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 5,867 |
| Cost of funding earning assets | 0.3064% | 5,000 |
| Net interest margin | 2.9820% | 5,566 |
| Noninterest income to average assets | 0.2118% | 5,661 |
| Noninterest expense to average assets | 2.1067% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7245% | 3,563 |
| Return on assets (ROA) | 0.7245% | 3,647 |
| Pretax return on assets | 0.9252% | 3,605 |
| Return on Equity (ROE) | 6.9949% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.9949% | 2,048 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4853% | 3,914 |
| Assets per employee ($millions) | 5.1984% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 6,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 5,602 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.5620% | 5,702 |
| Net loans and leases to deposits | 46.5411% | 5,816 |
| Net loans and leases to core deposits | 46.5411% | 5,960 |
| Total domestic deposits to total assets | 89.3017% | 1,471 |
| Equity capital to assets | 10.3355% | 3,419 |
| Core capital (leverage) ratio | 10.5444% | 2,878 |
| Tier 1 risk-based capital ratio | 22.5610% | 1,196 |
| Total risk-based capital ratio | 23.1154% | 1,290 |
| Memoranda: | ||
| Average total assets | $35,885,000 | 6,334 |
| Average earning assets | $33,937,500 | 6,288 |
| Average equity | $3,717,000 | 6,302 |
| Average total loans | $16,011,000 | 6,304 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3262% | 5,961 |
| Cost of funding earning assets | 0.3269% | 5,354 |
| Net interest margin | 2.9993% | 5,581 |
| Noninterest income to average assets | 0.4322% | 4,214 |
| Noninterest expense to average assets | 2.0449% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8898% | 2,832 |
| Return on assets (ROA) | 0.8995% | 2,873 |
| Pretax return on assets | 1.2507% | 2,360 |
| Return on Equity (ROE) | 8.9209% | 2,579 |
| Retained earnings to average equity (ytd only) | 2.4646% | 4,501 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3045% | 5,156 |
| Assets per employee ($millions) | 5.0544% | 2,126 |
| Cash dividends to net income (ytd only)* | 72.3724% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5474% | 6,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 5,665 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 47.2400% | 5,368 |
| Net loans and leases to deposits | 53.9248% | 5,476 |
| Net loans and leases to core deposits | 53.9248% | 5,677 |
| Total domestic deposits to total assets | 87.6035% | 2,418 |
| Equity capital to assets | 10.3813% | 3,308 |
| Core capital (leverage) ratio | 10.3317% | 3,113 |
| Tier 1 risk-based capital ratio | 20.7373% | 1,481 |
| Total risk-based capital ratio | 21.2558% | 1,625 |
| Memoranda: | ||
| Average total assets | $37,018,600 | 6,363 |
| Average earning assets | $35,174,800 | 6,313 |
| Average equity | $3,732,800 | 6,384 |
| Average total loans | $15,413,600 | 6,397 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 6,069 |
| Cost of funding earning assets | 0.3279% | 5,484 |
| Net interest margin | 2.9664% | 5,674 |
| Noninterest income to average assets | 0.4417% | 4,210 |
| Noninterest expense to average assets | 1.9058% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9450% | 2,619 |
| Return on assets (ROA) | 0.9476% | 2,712 |
| Pretax return on assets | 1.3430% | 2,156 |
| Return on Equity (ROE) | 9.4633% | 2,414 |
| Retained earnings to average equity (ytd only) | 7.7556% | 1,522 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7267% | 5,598 |
| Assets per employee ($millions) | 5.2394% | 1,903 |
| Cash dividends to net income (ytd only)* | 18.0455% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5930% | 6,568 |
| Loan loss allowance to noncurrent loans | 124.3243% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,832 |
| Noncurrent loans to loans | 0.4770% | 5,002 |
| Net loans and leases to total assets | 42.0520% | 5,900 |
| Net loans and leases to deposits | 47.2982% | 6,011 |
| Net loans and leases to core deposits | 47.2982% | 6,151 |
| Total domestic deposits to total assets | 88.9083% | 1,612 |
| Equity capital to assets | 10.3310% | 3,468 |
| Core capital (leverage) ratio | 10.1423% | 3,474 |
| Tier 1 risk-based capital ratio | 22.5829% | 1,212 |
| Total risk-based capital ratio | 23.1290% | 1,322 |
| Memoranda: | ||
| Average total assets | $37,428,000 | 6,420 |
| Average earning assets | $35,373,000 | 6,375 |
| Average equity | $3,747,750 | 6,455 |
| Average total loans | $15,065,500 | 6,476 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2368% | 6,178 |
| Cost of funding earning assets | 0.3271% | 5,593 |
| Net interest margin | 2.9097% | 5,782 |
| Noninterest income to average assets | 0.3822% | 4,655 |
| Noninterest expense to average assets | 1.8897% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8826% | 2,883 |
| Return on assets (ROA) | 0.8864% | 3,023 |
| Pretax return on assets | 1.2368% | 2,534 |
| Return on Equity (ROE) | 8.9448% | 2,634 |
| Retained earnings to average equity (ytd only) | 6.3739% | 2,216 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5442% | 5,396 |
| Assets per employee ($millions) | 5.4801% | 1,610 |
| Cash dividends to net income (ytd only)* | 28.7425% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6038% | 6,613 |
| Loan loss allowance to noncurrent loans | 124.3243% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 5,916 |
| Noncurrent loans to loans | 0.4856% | 5,049 |
| Net loans and leases to total assets | 39.4828% | 6,076 |
| Net loans and leases to deposits | 44.8332% | 6,176 |
| Net loans and leases to core deposits | 44.8332% | 6,293 |
| Total domestic deposits to total assets | 88.0660% | 2,199 |
| Equity capital to assets | 9.7026% | 4,306 |
| Core capital (leverage) ratio | 10.0203% | 3,480 |
| Tier 1 risk-based capital ratio | 21.6194% | 1,363 |
| Total risk-based capital ratio | 22.1561% | 1,488 |
| Memoranda: | ||
| Average total assets | $37,678,670 | 6,464 |
| Average earning assets | $35,467,330 | 6,422 |
| Average equity | $3,734,000 | 6,510 |
| Average total loans | $14,915,670 | 6,523 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 6,270 |
| Cost of funding earning assets | 0.3418% | 5,625 |
| Net interest margin | 2.8829% | 5,853 |
| Noninterest income to average assets | 0.3750% | 4,667 |
| Noninterest expense to average assets | 1.9819% | 6,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8170% | 3,065 |
| Return on assets (ROA) | 0.8249% | 3,168 |
| Pretax return on assets | 1.1142% | 2,898 |
| Return on Equity (ROE) | 8.2353% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.2353% | 1,672 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2361% | 4,973 |
| Assets per employee ($millions) | 5.2760% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6408% | 6,659 |
| Loan loss allowance to noncurrent loans | 124.3243% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 5,962 |
| Noncurrent loans to loans | 0.5154% | 5,144 |
| Net loans and leases to total assets | 38.6277% | 6,107 |
| Net loans and leases to deposits | 43.3104% | 6,250 |
| Net loans and leases to core deposits | 43.3104% | 6,350 |
| Total domestic deposits to total assets | 89.1882% | 1,566 |
| Equity capital to assets | 10.2296% | 3,877 |
| Core capital (leverage) ratio | 9.6883% | 3,812 |
| Tier 1 risk-based capital ratio | 22.3756% | 1,265 |
| Total risk-based capital ratio | 22.9374% | 1,359 |
| Memoranda: | ||
| Average total assets | $37,337,500 | 6,539 |
| Average earning assets | $35,104,000 | 6,488 |
| Average equity | $3,740,000 | 6,578 |
| Average total loans | $14,754,500 | 6,593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 5,656 |
| Cost of funding earning assets | 0.4279% | 5,737 |
| Net interest margin | 3.4454% | 4,720 |
| Noninterest income to average assets | 0.4358% | 4,356 |
| Noninterest expense to average assets | 2.3260% | 5,621 |
| Loan and lease loss provision to assets | 0.0147% | 5,723 |
| Net operating income to assets | 0.9622% | 2,489 |
| Return on assets (ROA) | 0.9687% | 2,702 |
| Pretax return on assets | 1.3279% | 2,296 |
| Return on Equity (ROE) | 9.0964% | 2,595 |
| Retained earnings to average equity (ytd only) | 5.6403% | 2,290 |
| Net charge-offs to loans | 0.0134% | 5,729 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 226.5000% | 186 |
| Efficiency ratio | 63.5559% | 4,973 |
| Assets per employee ($millions) | 5.3919% | 1,791 |
| Cash dividends to net income (ytd only)* | 37.9939% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 6,747 |
| Loan loss allowance to noncurrent loans | 124.3243% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 4,963 |
| Noncurrent loans to loans | 0.4884% | 5,311 |
| Net loans and leases to total assets | 39.8988% | 6,175 |
| Net loans and leases to deposits | 44.4901% | 6,341 |
| Net loans and leases to core deposits | 44.4901% | 6,440 |
| Total domestic deposits to total assets | 89.6802% | 1,137 |
| Equity capital to assets | 9.8084% | 4,440 |
| Core capital (leverage) ratio | 10.0801% | 3,300 |
| Tier 1 risk-based capital ratio | 24.2956% | 937 |
| Total risk-based capital ratio | 24.9187% | 991 |
| Memoranda: | ||
| Average total assets | $33,964,200 | 6,657 |
| Average earning assets | $31,781,800 | 6,614 |
| Average equity | $3,616,800 | 6,661 |
| Average total loans | $14,874,800 | 6,664 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 5,556 |
| Cost of funding earning assets | 0.4505% | 5,794 |
| Net interest margin | 3.5352% | 4,504 |
| Noninterest income to average assets | 0.4361% | 4,383 |
| Noninterest expense to average assets | 2.2774% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0614% | 2,248 |
| Return on assets (ROA) | 1.0700% | 2,420 |
| Pretax return on assets | 1.4981% | 1,886 |
| Return on Equity (ROE) | 9.8267% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.9715% | 2,151 |
| Net charge-offs to loans | 0.0090% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 368.9098% | 124 |
| Efficiency ratio | 60.5150% | 5,409 |
| Assets per employee ($millions) | 4.7796% | 2,492 |
| Cash dividends to net income (ytd only)* | 29.0558% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 6,878 |
| Loan loss allowance to noncurrent loans | 46.3158% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 5,250 |
| Noncurrent loans to loans | 1.2786% | 3,907 |
| Net loans and leases to total assets | 44.1522% | 5,956 |
| Net loans and leases to deposits | 50.0068% | 6,106 |
| Net loans and leases to core deposits | 50.0068% | 6,283 |
| Total domestic deposits to total assets | 88.2924% | 1,854 |
| Equity capital to assets | 11.0649% | 3,192 |
| Core capital (leverage) ratio | 10.6027% | 2,795 |
| Tier 1 risk-based capital ratio | 24.6497% | 939 |
| Total risk-based capital ratio | 25.2571% | 1,002 |
| Memoranda: | ||
| Average total assets | $33,019,500 | 6,762 |
| Average earning assets | $31,076,750 | 6,719 |
| Average equity | $3,595,500 | 6,744 |
| Average total loans | $14,805,750 | 6,756 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 5,433 |
| Cost of funding earning assets | 0.4589% | 5,909 |
| Net interest margin | 3.6067% | 4,228 |
| Noninterest income to average assets | 0.3833% | 4,769 |
| Noninterest expense to average assets | 2.3362% | 5,647 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0420% | 2,285 |
| Return on assets (ROA) | 1.0464% | 2,491 |
| Pretax return on assets | 1.4480% | 2,020 |
| Return on Equity (ROE) | 9.6629% | 2,506 |
| Retained earnings to average equity (ytd only) | 5.3371% | 3,073 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8357% | 5,277 |
| Assets per employee ($millions) | 4.8443% | 2,366 |
| Cash dividends to net income (ytd only)* | 44.7674% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 6,918 |
| Loan loss allowance to noncurrent loans | 49.7207% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 5,440 |
| Noncurrent loans to loans | 1.2339% | 4,083 |
| Net loans and leases to total assets | 42.5184% | 6,152 |
| Net loans and leases to deposits | 47.8749% | 6,318 |
| Net loans and leases to core deposits | 47.8749% | 6,469 |
| Total domestic deposits to total assets | 88.8116% | 1,630 |
| Equity capital to assets | 10.6222% | 3,544 |
| Core capital (leverage) ratio | 10.5467% | 2,758 |
| Tier 1 risk-based capital ratio | 24.9337% | 909 |
| Total risk-based capital ratio | 25.5717% | 959 |
| Memoranda: | ||
| Average total assets | $32,873,670 | 6,815 |
| Average earning assets | $30,942,330 | 6,770 |
| Average equity | $3,560,000 | 6,794 |
| Average total loans | $14,787,670 | 6,812 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 5,415 |
| Cost of funding earning assets | 0.4843% | 5,909 |
| Net interest margin | 3.6261% | 4,148 |
| Noninterest income to average assets | 0.3956% | 4,706 |
| Noninterest expense to average assets | 2.2871% | 5,800 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0879% | 2,149 |
| Return on assets (ROA) | 1.0879% | 2,329 |
| Pretax return on assets | 1.5330% | 1,790 |
| Return on Equity (ROE) | 9.9463% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.9463% | 1,282 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8706% | 5,634 |
| Assets per employee ($millions) | 4.7290% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6340% | 6,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.1382% | 6,182 |
| Net loans and leases to deposits | 47.4746% | 6,324 |
| Net loans and leases to core deposits | 47.4746% | 6,485 |
| Total domestic deposits to total assets | 88.7593% | 1,845 |
| Equity capital to assets | 10.7845% | 3,171 |
| Core capital (leverage) ratio | 10.4090% | 2,865 |
| Tier 1 risk-based capital ratio | 22.4631% | 1,214 |
| Total risk-based capital ratio | 23.0391% | 1,296 |
| Memoranda: | ||
| Average total assets | $32,355,500 | 6,883 |
| Average earning assets | $30,556,500 | 6,827 |
| Average equity | $3,539,000 | 6,840 |
| Average total loans | $14,928,000 | 6,860 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 4,997 |
| Cost of funding earning assets | 0.6342% | 5,902 |
| Net interest margin | 3.8833% | 3,409 |
| Noninterest income to average assets | 0.4839% | 3,967 |
| Noninterest expense to average assets | 2.4322% | 5,694 |
| Loan and lease loss provision to assets | 0.0601% | 5,855 |
| Net operating income to assets | 1.1310% | 1,723 |
| Return on assets (ROA) | 1.1355% | 1,827 |
| Pretax return on assets | 1.6004% | 1,196 |
| Return on Equity (ROE) | 10.8413% | 1,754 |
| Retained earnings to average equity (ytd only) | 9.0898% | 777 |
| Net charge-offs to loans | 0.0484% | 5,822 |
| Credit loss provision to net charge-offs | 271.4286% | 881 |
| Earnings coverage of net charge-offs (x) | 74.7143% | 403 |
| Efficiency ratio | 59.5201% | 5,829 |
| Assets per employee ($millions) | 3.9510% | 3,967 |
| Cash dividends to net income (ytd only)* | 16.1560% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 7,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 49.7627% | 5,618 |
| Net loans and leases to deposits | 58.6728% | 5,638 |
| Net loans and leases to core deposits | 58.6728% | 5,957 |
| Total domestic deposits to total assets | 84.8140% | 3,946 |
| Equity capital to assets | 11.0985% | 2,893 |
| Core capital (leverage) ratio | 10.5023% | 2,727 |
| Tier 1 risk-based capital ratio | 20.2055% | 1,592 |
| Total risk-based capital ratio | 20.7370% | 1,731 |
| Memoranda: | ||
| Average total assets | $31,617,000 | 6,928 |
| Average earning assets | $29,330,600 | 6,888 |
| Average equity | $3,311,400 | 6,929 |
| Average total loans | $14,464,000 | 6,929 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 5,196 |
| Cost of funding earning assets | 0.6787% | 5,887 |
| Net interest margin | 3.8428% | 3,653 |
| Noninterest income to average assets | 0.4849% | 4,001 |
| Noninterest expense to average assets | 2.3023% | 6,026 |
| Loan and lease loss provision to assets | 0.0506% | 5,813 |
| Net operating income to assets | 1.1706% | 1,745 |
| Return on assets (ROA) | 1.1765% | 1,843 |
| Pretax return on assets | 1.6740% | 1,196 |
| Return on Equity (ROE) | 11.4029% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.4029% | 566 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2928% | 6,102 |
| Assets per employee ($millions) | 4.7841% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 7,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 43.8084% | 6,351 |
| Net loans and leases to deposits | 49.1293% | 6,553 |
| Net loans and leases to core deposits | 49.1293% | 6,707 |
| Total domestic deposits to total assets | 89.1696% | 1,320 |
| Equity capital to assets | 10.3885% | 3,845 |
| Core capital (leverage) ratio | 10.3491% | 3,039 |
| Tier 1 risk-based capital ratio | 20.5728% | 1,541 |
| Total risk-based capital ratio | 21.1174% | 1,686 |
| Memoranda: | ||
| Average total assets | $31,619,250 | 6,993 |
| Average earning assets | $29,075,250 | 6,962 |
| Average equity | $3,262,250 | 6,999 |
| Average total loans | $14,125,500 | 7,013 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 5,224 |
| Cost of funding earning assets | 0.7413% | 5,725 |
| Net interest margin | 3.7975% | 3,793 |
| Noninterest income to average assets | 0.4904% | 3,944 |
| Noninterest expense to average assets | 2.3616% | 5,956 |
| Loan and lease loss provision to assets | 0.0323% | 5,907 |
| Net operating income to assets | 1.1394% | 1,760 |
| Return on assets (ROA) | 1.1485% | 1,802 |
| Pretax return on assets | 1.6131% | 1,241 |
| Return on Equity (ROE) | 11.1599% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.1599% | 639 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1276% | 6,009 |
| Assets per employee ($millions) | 4.5374% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5995% | 7,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 42.8090% | 6,536 |
| Net loans and leases to deposits | 48.0086% | 6,726 |
| Net loans and leases to core deposits | 48.0086% | 6,857 |
| Total domestic deposits to total assets | 89.1694% | 1,436 |
| Equity capital to assets | 10.4716% | 3,545 |
| Core capital (leverage) ratio | 10.0998% | 3,147 |
| Tier 1 risk-based capital ratio | 21.4361% | 1,334 |
| Total risk-based capital ratio | 21.9753% | 1,447 |
| Memoranda: | ||
| Average total assets | $30,996,000 | 7,074 |
| Average earning assets | $28,597,670 | 7,043 |
| Average equity | $3,190,000 | 7,073 |
| Average total loans | $13,914,000 | 7,093 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 5,367 |
| Cost of funding earning assets | 0.7910% | 5,611 |
| Net interest margin | 3.7007% | 4,098 |
| Noninterest income to average assets | 0.3528% | 5,078 |
| Noninterest expense to average assets | 2.3519% | 6,044 |
| Loan and lease loss provision to assets | 0.0392% | 5,505 |
| Net operating income to assets | 1.0192% | 2,115 |
| Return on assets (ROA) | 1.0192% | 2,165 |
| Pretax return on assets | 1.3850% | 1,768 |
| Return on Equity (ROE) | 9.9936% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.9936% | 1,115 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2837% | 5,638 |
| Assets per employee ($millions) | 4.5876% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 7,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 6,666 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 40.5817% | 6,737 |
| Net loans and leases to deposits | 45.2720% | 6,897 |
| Net loans and leases to core deposits | 45.2720% | 7,001 |
| Total domestic deposits to total assets | 89.6397% | 1,397 |
| Equity capital to assets | 9.9150% | 3,880 |
| Core capital (leverage) ratio | 9.7154% | 3,502 |
| Tier 1 risk-based capital ratio | 21.2306% | 1,356 |
| Total risk-based capital ratio | 21.7674% | 1,454 |
| Memoranda: | ||
| Average total assets | $30,613,000 | 7,134 |
| Average earning assets | $28,319,000 | 7,098 |
| Average equity | $3,122,000 | 7,136 |
| Average total loans | $14,031,500 | 7,139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 3,832 |
| Cost of funding earning assets | 0.9700% | 5,841 |
| Net interest margin | 4.1832% | 2,249 |
| Noninterest income to average assets | 0.5755% | 3,624 |
| Noninterest expense to average assets | 2.8318% | 4,471 |
| Loan and lease loss provision to assets | 0.0141% | 6,959 |
| Net operating income to assets | 1.1587% | 1,516 |
| Return on assets (ROA) | 1.1687% | 1,566 |
| Pretax return on assets | 1.6419% | 1,050 |
| Return on Equity (ROE) | 10.5940% | 1,723 |
| Retained earnings to average equity (ytd only) | 2.8806% | 3,835 |
| Net charge-offs to loans | 0.0494% | 6,299 |
| Credit loss provision to net charge-offs | 57.1429% | 6,134 |
| Earnings coverage of net charge-offs (x) | 66.4286% | 363 |
| Efficiency ratio | 63.2991% | 5,461 |
| Assets per employee ($millions) | 4.1590% | 3,460 |
| Cash dividends to net income (ytd only)* | 72.8097% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 7,344 |
| Loan loss allowance to noncurrent loans | 126.2295% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 6,705 |
| Noncurrent loans to loans | 0.4080% | 6,228 |
| Net loans and leases to total assets | 51.0906% | 6,036 |
| Net loans and leases to deposits | 59.7182% | 6,090 |
| Net loans and leases to core deposits | 59.7182% | 6,415 |
| Total domestic deposits to total assets | 85.5528% | 3,575 |
| Equity capital to assets | 10.5108% | 3,143 |
| Core capital (leverage) ratio | 10.5828% | 2,477 |
| Tier 1 risk-based capital ratio | 19.0415% | 1,711 |
| Total risk-based capital ratio | 19.5164% | 1,876 |
| Memoranda: | ||
| Average total assets | $28,321,600 | 7,261 |
| Average earning assets | $26,391,200 | 7,213 |
| Average equity | $3,124,400 | 7,240 |
| Average total loans | $14,176,600 | 7,198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 4,061 |
| Cost of funding earning assets | 1.0154% | 5,867 |
| Net interest margin | 4.1382% | 2,454 |
| Noninterest income to average assets | 0.5641% | 3,687 |
| Noninterest expense to average assets | 2.7639% | 4,624 |
| Loan and lease loss provision to assets | 0.0047% | 6,961 |
| Net operating income to assets | 1.1575% | 1,713 |
| Return on assets (ROA) | 1.1710% | 1,767 |
| Pretax return on assets | 1.6593% | 1,189 |
| Return on Equity (ROE) | 10.4865% | 1,945 |
| Retained earnings to average equity (ytd only) | 7.5994% | 1,559 |
| Net charge-offs to loans | 0.0667% | 5,843 |
| Credit loss provision to net charge-offs | 14.2857% | 6,297 |
| Earnings coverage of net charge-offs (x) | 49.5884% | 567 |
| Efficiency ratio | 62.6882% | 5,485 |
| Assets per employee ($millions) | 4.1767% | 3,490 |
| Cash dividends to net income (ytd only)* | 27.5286% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5153% | 7,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 48.8627% | 6,447 |
| Net loans and leases to deposits | 55.4538% | 6,652 |
| Net loans and leases to core deposits | 55.4538% | 6,890 |
| Total domestic deposits to total assets | 88.1144% | 1,893 |
| Equity capital to assets | 11.1639% | 2,805 |
| Core capital (leverage) ratio | 11.0712% | 2,211 |
| Tier 1 risk-based capital ratio | 20.5231% | 1,443 |
| Total risk-based capital ratio | 21.0010% | 1,562 |
| Memoranda: | ||
| Average total assets | $28,123,750 | 7,355 |
| Average earning assets | $26,129,750 | 7,315 |
| Average equity | $3,140,500 | 7,323 |
| Average total loans | $13,983,000 | 7,301 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 3,190 |
| Cost of funding earning assets | 1.0602% | 5,871 |
| Net interest margin | 4.2952% | 1,797 |
| Noninterest income to average assets | 0.5189% | 3,960 |
| Noninterest expense to average assets | 2.9186% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1110% | 1,817 |
| Return on assets (ROA) | 1.1314% | 1,815 |
| Pretax return on assets | 1.5998% | 1,300 |
| Return on Equity (ROE) | 10.1312% | 2,057 |
| Retained earnings to average equity (ytd only) | 5.7432% | 2,472 |
| Net charge-offs to loans | 0.0433% | 5,772 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 436 |
| Efficiency ratio | 65.0080% | 5,149 |
| Assets per employee ($millions) | 3.9887% | 3,792 |
| Cash dividends to net income (ytd only)* | 43.3121% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5852% | 7,430 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,419 |
| Noncurrent loans to loans | 0.0076% | 7,316 |
| Net loans and leases to total assets | 46.8500% | 6,718 |
| Net loans and leases to deposits | 53.1316% | 6,918 |
| Net loans and leases to core deposits | 53.1316% | 7,082 |
| Total domestic deposits to total assets | 88.1774% | 1,901 |
| Equity capital to assets | 11.2174% | 2,675 |
| Core capital (leverage) ratio | 11.2018% | 2,106 |
| Tier 1 risk-based capital ratio | 20.6984% | 1,392 |
| Total risk-based capital ratio | 21.2146% | 1,484 |
| Memoranda: | ||
| Average total assets | $27,752,670 | 7,421 |
| Average earning assets | $25,656,330 | 7,383 |
| Average equity | $3,099,330 | 7,387 |
| Average total loans | $13,857,330 | 7,363 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4655% | 2,754 |
| Cost of funding earning assets | 1.0993% | 5,918 |
| Net interest margin | 4.3662% | 1,483 |
| Noninterest income to average assets | 0.2891% | 5,834 |
| Noninterest expense to average assets | 3.0359% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9686% | 2,305 |
| Return on assets (ROA) | 0.9686% | 2,367 |
| Pretax return on assets | 1.3300% | 1,967 |
| Return on Equity (ROE) | 8.6928% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.6928% | 1,484 |
| Net charge-offs to loans | 0.0282% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 352 |
| Efficiency ratio | 69.5364% | 4,403 |
| Assets per employee ($millions) | 3.8643% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 7,510 |
| Loan loss allowance to noncurrent loans | 2,633.3333% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,132 |
| Noncurrent loans to loans | 0.0224% | 7,358 |
| Net loans and leases to total assets | 49.2532% | 6,552 |
| Net loans and leases to deposits | 56.0992% | 6,768 |
| Net loans and leases to core deposits | 56.0992% | 6,994 |
| Total domestic deposits to total assets | 87.7967% | 2,180 |
| Equity capital to assets | 11.5009% | 2,361 |
| Core capital (leverage) ratio | 11.0212% | 2,218 |
| Tier 1 risk-based capital ratio | 20.5648% | 1,414 |
| Total risk-based capital ratio | 21.0946% | 1,519 |
| Memoranda: | ||
| Average total assets | $27,668,500 | 7,517 |
| Average earning assets | $25,835,000 | 7,465 |
| Average equity | $3,083,000 | 7,475 |
| Average total loans | $14,207,000 | 7,438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5834% | 3,690 |
| Cost of funding earning assets | 1.4949% | 5,533 |
| Net interest margin | 4.0884% | 2,504 |
| Noninterest income to average assets | 0.7058% | 2,926 |
| Noninterest expense to average assets | 2.8725% | 4,646 |
| Loan and lease loss provision to assets | 0.0878% | 6,735 |
| Net operating income to assets | 1.1109% | 1,480 |
| Return on assets (ROA) | 1.0781% | 1,623 |
| Pretax return on assets | 1.5030% | 1,180 |
| Return on Equity (ROE) | 10.2758% | 1,611 |
| Retained earnings to average equity (ytd only) | 6.7278% | 1,058 |
| Net charge-offs to loans | 0.4113% | 4,167 |
| Credit loss provision to net charge-offs | 41.6667% | 6,816 |
| Earnings coverage of net charge-offs (x) | 7.7667% | 2,075 |
| Efficiency ratio | 63.7072% | 5,828 |
| Assets per employee ($millions) | 4.0410% | 3,730 |
| Cash dividends to net income (ytd only)* | 34.5277% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5329% | 7,642 |
| Loan loss allowance to noncurrent loans | 77.6699% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 5,358 |
| Noncurrent loans to loans | 0.6861% | 5,866 |
| Net loans and leases to total assets | 52.7875% | 6,327 |
| Net loans and leases to deposits | 61.0291% | 6,559 |
| Net loans and leases to core deposits | 68.7857% | 6,834 |
| Total domestic deposits to total assets | 86.4956% | 2,768 |
| Equity capital to assets | 10.8000% | 2,866 |
| Core capital (leverage) ratio | 10.3930% | 2,694 |
| Tier 1 risk-based capital ratio | 17.8194% | 1,940 |
| Total risk-based capital ratio | 18.2947% | 2,102 |
| Memoranda: | ||
| Average total assets | $28,477,000 | 7,523 |
| Average earning assets | $26,489,400 | 7,483 |
| Average equity | $2,987,600 | 7,586 |
| Average total loans | $14,586,600 | 7,472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 4,167 |
| Cost of funding earning assets | 1.5839% | 5,474 |
| Net interest margin | 3.9647% | 2,969 |
| Noninterest income to average assets | 0.7619% | 2,637 |
| Noninterest expense to average assets | 2.7484% | 5,113 |
| Loan and lease loss provision to assets | 0.0467% | 6,902 |
| Net operating income to assets | 1.1645% | 1,553 |
| Return on assets (ROA) | 1.1546% | 1,633 |
| Pretax return on assets | 1.6266% | 1,120 |
| Return on Equity (ROE) | 11.0858% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.0858% | 462 |
| Net charge-offs to loans | 0.4144% | 3,604 |
| Credit loss provision to net charge-offs | 22.2222% | 6,555 |
| Earnings coverage of net charge-offs (x) | 8.0220% | 2,316 |
| Efficiency ratio | 61.9600% | 6,114 |
| Assets per employee ($millions) | 4.0284% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5606% | 7,631 |
| Loan loss allowance to noncurrent loans | 30.1887% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 5,191 |
| Noncurrent loans to loans | 1.8569% | 3,833 |
| Net loans and leases to total assets | 50.3245% | 6,756 |
| Net loans and leases to deposits | 58.0290% | 6,964 |
| Net loans and leases to core deposits | 63.5826% | 7,262 |
| Total domestic deposits to total assets | 86.7229% | 2,315 |
| Equity capital to assets | 11.0713% | 2,953 |
| Core capital (leverage) ratio | 10.4690% | 2,817 |
| Tier 1 risk-based capital ratio | 19.7024% | 1,616 |
| Total risk-based capital ratio | 20.2200% | 1,713 |
| Memoranda: | ||
| Average total assets | $28,524,500 | 7,589 |
| Average earning assets | $26,432,750 | 7,553 |
| Average equity | $2,970,750 | 7,671 |
| Average total loans | $14,480,250 | 7,542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5735% | 4,193 |
| Cost of funding earning assets | 1.6361% | 5,579 |
| Net interest margin | 3.9374% | 2,936 |
| Noninterest income to average assets | 0.8382% | 2,230 |
| Noninterest expense to average assets | 2.7940% | 4,985 |
| Loan and lease loss provision to assets | 0.0698% | 6,501 |
| Net operating income to assets | 1.1043% | 1,759 |
| Return on assets (ROA) | 1.0897% | 1,884 |
| Pretax return on assets | 1.5507% | 1,327 |
| Return on Equity (ROE) | 10.6837% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.6837% | 615 |
| Net charge-offs to loans | 0.6186% | 2,487 |
| Credit loss provision to net charge-offs | 22.2222% | 6,106 |
| Earnings coverage of net charge-offs (x) | 5.2222% | 2,885 |
| Efficiency ratio | 62.9921% | 6,085 |
| Assets per employee ($millions) | 4.3291% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 7,681 |
| Loan loss allowance to noncurrent loans | 29.8507% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 4,130 |
| Noncurrent loans to loans | 1.9239% | 3,638 |
| Net loans and leases to total assets | 45.7035% | 7,217 |
| Net loans and leases to deposits | 51.0750% | 7,431 |
| Net loans and leases to core deposits | 57.0170% | 7,558 |
| Total domestic deposits to total assets | 89.4832% | 1,048 |
| Equity capital to assets | 9.8700% | 4,120 |
| Core capital (leverage) ratio | 10.4157% | 2,888 |
| Tier 1 risk-based capital ratio | 18.6714% | 1,844 |
| Total risk-based capital ratio | 19.1770% | 1,974 |
| Memoranda: | ||
| Average total assets | $28,633,000 | 7,659 |
| Average earning assets | $26,159,330 | 7,635 |
| Average equity | $2,920,330 | 7,749 |
| Average total loans | $14,550,000 | 7,616 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6015% | 4,346 |
| Cost of funding earning assets | 1.6820% | 5,680 |
| Net interest margin | 3.9195% | 2,976 |
| Noninterest income to average assets | 0.6475% | 3,210 |
| Noninterest expense to average assets | 2.7053% | 4,982 |
| Loan and lease loss provision to assets | 0.0719% | 6,062 |
| Net operating income to assets | 1.1656% | 1,756 |
| Return on assets (ROA) | 1.1656% | 1,872 |
| Pretax return on assets | 1.5253% | 1,596 |
| Return on Equity (ROE) | 11.2305% | 1,902 |
| Retained earnings to average equity (ytd only) | 11.2305% | 930 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8763% | 5,900 |
| Assets per employee ($millions) | 4.0480% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 6,943 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 4,427 |
| Noncurrent loans to loans | 1.0257% | 4,940 |
| Net loans and leases to total assets | 49.1213% | 6,937 |
| Net loans and leases to deposits | 55.2276% | 7,208 |
| Net loans and leases to core deposits | 60.0241% | 7,454 |
| Total domestic deposits to total assets | 88.9434% | 1,255 |
| Equity capital to assets | 10.3614% | 3,601 |
| Core capital (leverage) ratio | 10.6261% | 2,808 |
| Tier 1 risk-based capital ratio | 18.6819% | 1,888 |
| Total risk-based capital ratio | 19.4603% | 1,954 |
| Memoranda: | ||
| Average total assets | $27,797,500 | 7,736 |
| Average earning assets | $25,921,500 | 7,687 |
| Average equity | $2,885,000 | 7,818 |
| Average total loans | $14,860,000 | 7,643 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2123% | 4,450 |
| Cost of funding earning assets | 2.1961% | 5,617 |
| Net interest margin | 4.0162% | 3,044 |
| Noninterest income to average assets | 0.6910% | 3,177 |
| Noninterest expense to average assets | 2.7677% | 4,968 |
| Loan and lease loss provision to assets | 0.0755% | 6,458 |
| Net operating income to assets | 1.1962% | 1,782 |
| Return on assets (ROA) | 1.2045% | 1,692 |
| Pretax return on assets | 1.6500% | 1,263 |
| Return on Equity (ROE) | 11.4806% | 1,758 |
| Retained earnings to average equity (ytd only) | 4.5347% | 2,300 |
| Net charge-offs to loans | 0.1799% | 4,397 |
| Credit loss provision to net charge-offs | 71.4286% | 6,052 |
| Earnings coverage of net charge-offs (x) | 16.2143% | 1,862 |
| Efficiency ratio | 61.7523% | 6,000 |
| Assets per employee ($millions) | 3.8941% | 3,748 |
| Cash dividends to net income (ytd only)* | 60.5016% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 7,346 |
| Loan loss allowance to noncurrent loans | 182.5397% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8951% | 4,612 |
| Noncurrent loans to loans | 0.4018% | 6,144 |
| Net loans and leases to total assets | 57.1041% | 6,322 |
| Net loans and leases to deposits | 70.4790% | 6,221 |
| Net loans and leases to core deposits | 77.0175% | 6,795 |
| Total domestic deposits to total assets | 81.0228% | 4,624 |
| Equity capital to assets | 10.3966% | 3,615 |
| Core capital (leverage) ratio | 10.2453% | 3,217 |
| Tier 1 risk-based capital ratio | 16.9720% | 2,321 |
| Total risk-based capital ratio | 17.6695% | 2,452 |
| Memoranda: | ||
| Average total assets | $26,484,400 | 7,789 |
| Average earning assets | $24,998,600 | 7,740 |
| Average equity | $2,778,600 | 7,905 |
| Average total loans | $15,566,400 | 7,615 |