Home > State Bank of Danvers > Performance and Condition Ratios
State Bank of Danvers, 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 | 1.9238% | 4,577 |
| Cost of funding earning assets | 0.4086% | 4,282 |
| Net interest margin | 1.5152% | 4,505 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 0.6261% | 4,527 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.6349% | 3,353 |
| Return on assets (ROA) | 0.6292% | 3,341 |
| Pretax return on assets | 0.6755% | 3,489 |
| Return on Equity (ROE) | 6.4100% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.4141% | 2,089 |
| Net charge-offs to loans | 0.0093% | 2,304 |
| Credit loss provision to net charge-offs | 5,750.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 278.5000% | 459 |
| Efficiency ratio | 42.1599% | 4,311 |
| Assets per employee ($millions) | 10.1398% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3303% | 4,415 |
| Loan loss allowance to noncurrent loans | 807.1429% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,560 |
| Noncurrent loans to loans | 0.0409% | 3,430 |
| Net loans and leases to total assets | 56.0400% | 3,190 |
| Net loans and leases to deposits | 66.1994% | 3,161 |
| Net loans and leases to core deposits | 69.2825% | 3,345 |
| Total domestic deposits to total assets | 84.6600% | 2,419 |
| Equity capital to assets | 14.9131% | 561 |
| Core capital (leverage) ratio | 9.4000% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9466% | 1,549 |
| Memoranda: | ||
| Average total assets | $64,844,200 | 4,168 |
| Average earning assets | $60,454,000 | 4,132 |
| Average equity | $6,361,000 | 4,126 |
| Average total loans | $21,502,000 | 4,274 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7665% | 4,610 |
| Cost of funding earning assets | 0.1593% | 4,469 |
| Net interest margin | 0.6071% | 4,572 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 0.2288% | 4,571 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3321% | 4,079 |
| Return on assets (ROA) | 0.3220% | 4,094 |
| Pretax return on assets | 0.3220% | 4,145 |
| Return on Equity (ROE) | 3.7300% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.7303% | 3,332 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.3728% | 4,374 |
| Assets per employee ($millions) | 11.0515% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0527% | 4,478 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,669 |
| Noncurrent loans to loans | 0.0579% | 3,337 |
| Net loans and leases to total assets | 28.6300% | 4,338 |
| Net loans and leases to deposits | 33.0369% | 4,342 |
| Net loans and leases to core deposits | 35.0350% | 4,339 |
| Total domestic deposits to total assets | 86.6500% | 1,998 |
| Equity capital to assets | 13.0359% | 808 |
| Core capital (leverage) ratio | 8.8929% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6139% | 744 |
| Memoranda: | ||
| Average total assets | $65,845,500 | 4,170 |
| Average earning assets | $61,927,500 | 4,137 |
| Average equity | $5,683,000 | 4,202 |
| Average total loans | $18,325,250 | 4,334 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2388% | 4,485 |
| Cost of funding earning assets | 1.0275% | 2,509 |
| Net interest margin | 2.2113% | 4,414 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.4035% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8372% | 2,966 |
| Return on assets (ROA) | 0.8677% | 2,861 |
| Pretax return on assets | 0.9529% | 3,038 |
| Return on Equity (ROE) | 12.1400% | 2,110 |
| Retained earnings to average equity (ytd only) | 5.4514% | 2,804 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4194% | 2,909 |
| Assets per employee ($millions) | 10.5962% | 559 |
| Cash dividends to net income (ytd only)* | 55.0877% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6507% | 180 |
| Loan loss allowance to noncurrent loans | 4,481.8182% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,662 |
| Noncurrent loans to loans | 0.0591% | 3,272 |
| Net loans and leases to total assets | 28.4800% | 4,353 |
| Net loans and leases to deposits | 32.2515% | 4,367 |
| Net loans and leases to core deposits | 34.4135% | 4,356 |
| Total domestic deposits to total assets | 88.3000% | 1,495 |
| Equity capital to assets | 7.3753% | 3,591 |
| Core capital (leverage) ratio | 10.2570% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0048% | 482 |
| Memoranda: | ||
| Average total assets | $65,691,000 | 4,191 |
| Average earning assets | $62,678,000 | 4,153 |
| Average equity | $4,696,000 | 4,323 |
| Average total loans | $18,102,667 | 4,362 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 4,549 |
| Cost of funding earning assets | 0.8814% | 2,431 |
| Net interest margin | 2.1721% | 4,507 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.2824% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0551% | 2,365 |
| Return on assets (ROA) | 1.0907% | 2,226 |
| Pretax return on assets | 1.0967% | 2,716 |
| Return on Equity (ROE) | 15.4900% | 1,462 |
| Retained earnings to average equity (ytd only) | 12.8524% | 1,116 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.7315% | 3,530 |
| Assets per employee ($millions) | 11.2535% | 485 |
| Cash dividends to net income (ytd only)* | 17.0330% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9486% | 133 |
| Loan loss allowance to noncurrent loans | 4,481.8182% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,665 |
| Noncurrent loans to loans | 0.0658% | 3,261 |
| Net loans and leases to total assets | 24.0300% | 4,477 |
| Net loans and leases to deposits | 26.2293% | 4,496 |
| Net loans and leases to core deposits | 27.1373% | 4,490 |
| Total domestic deposits to total assets | 91.6200% | 618 |
| Equity capital to assets | 7.3725% | 3,633 |
| Core capital (leverage) ratio | 10.2325% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0053% | 440 |
| Memoranda: | ||
| Average total assets | $66,748,000 | 4,238 |
| Average earning assets | $63,532,500 | 4,200 |
| Average equity | $4,699,500 | 4,375 |
| Average total loans | $17,854,500 | 4,428 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6683% | 4,424 |
| Cost of funding earning assets | 0.3997% | 2,105 |
| Net interest margin | 2.2686% | 4,444 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.2940% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8443% | 3,179 |
| Return on assets (ROA) | 0.8354% | 3,129 |
| Pretax return on assets | 0.8627% | 3,450 |
| Return on Equity (ROE) | 10.9400% | 2,493 |
| Retained earnings to average equity (ytd only) | -0.9116% | 4,444 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.7484% | 3,093 |
| Assets per employee ($millions) | 10.9958% | 507 |
| Cash dividends to net income (ytd only)* | 108.3333% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5962% | 195 |
| Loan loss allowance to noncurrent loans | 4,481.8182% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,683 |
| Noncurrent loans to loans | 0.0579% | 3,342 |
| Net loans and leases to total assets | 28.0300% | 4,435 |
| Net loans and leases to deposits | 30.3901% | 4,468 |
| Net loans and leases to core deposits | 31.5944% | 4,458 |
| Total domestic deposits to total assets | 92.2500% | 572 |
| Equity capital to assets | 6.7010% | 3,813 |
| Core capital (leverage) ratio | 9.9805% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3393% | 527 |
| Memoranda: | ||
| Average total assets | $66,072,600 | 4,265 |
| Average earning assets | $58,539,400 | 4,284 |
| Average equity | $5,045,800 | 4,425 |
| Average total loans | $17,716,600 | 4,441 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5477% | 4,427 |
| Cost of funding earning assets | 0.3086% | 2,072 |
| Net interest margin | 2.2391% | 4,442 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.2264% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8992% | 2,867 |
| Return on assets (ROA) | 0.8775% | 2,945 |
| Pretax return on assets | 0.8976% | 3,322 |
| Return on Equity (ROE) | 11.1500% | 2,319 |
| Retained earnings to average equity (ytd only) | -4.1778% | 4,579 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.1429% | 3,496 |
| Assets per employee ($millions) | 10.7227% | 538 |
| Cash dividends to net income (ytd only)* | 137.4713% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7197% | 178 |
| Loan loss allowance to noncurrent loans | 245.2736% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 1,693 |
| Noncurrent loans to loans | 1.1088% | 674 |
| Net loans and leases to total assets | 27.4100% | 4,473 |
| Net loans and leases to deposits | 29.3773% | 4,509 |
| Net loans and leases to core deposits | 30.0363% | 4,510 |
| Total domestic deposits to total assets | 93.3000% | 502 |
| Equity capital to assets | 5.6594% | 4,085 |
| Core capital (leverage) ratio | 9.5484% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0813% | 486 |
| Memoranda: | ||
| Average total assets | $66,097,000 | 4,296 |
| Average earning assets | $57,462,500 | 4,325 |
| Average equity | $5,202,000 | 4,449 |
| Average total loans | $17,398,500 | 4,481 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3997% | 4,462 |
| Cost of funding earning assets | 0.2871% | 1,829 |
| Net interest margin | 2.1126% | 4,508 |
| Noninterest income to average assets | 0.2009% | 3,991 |
| Noninterest expense to average assets | 1.2177% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7708% | 3,059 |
| Return on assets (ROA) | 0.7348% | 3,156 |
| Pretax return on assets | 0.7348% | 3,493 |
| Return on Equity (ROE) | 8.5629% | 2,843 |
| Retained earnings to average equity (ytd only) | -10.2406% | 4,664 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2368% | 3,147 |
| Assets per employee ($millions) | 11.4812% | 441 |
| Cash dividends to net income (ytd only)* | 219.5918% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9484% | 148 |
| Loan loss allowance to noncurrent loans | 4,481.8182% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,858 |
| Noncurrent loans to loans | 0.0658% | 3,470 |
| Net loans and leases to total assets | 23.5574% | 4,604 |
| Net loans and leases to deposits | 25.5193% | 4,624 |
| Net loans and leases to core deposits | 26.0578% | 4,625 |
| Total domestic deposits to total assets | 92.3120% | 722 |
| Equity capital to assets | 6.7400% | 3,916 |
| Core capital (leverage) ratio | 9.2066% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3178% | 461 |
| Memoranda: | ||
| Average total assets | $66,684,000 | 4,333 |
| Average earning assets | $56,424,333 | 4,395 |
| Average equity | $5,722,333 | 4,443 |
| Average total loans | $17,155,667 | 4,541 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4583% | 4,321 |
| Cost of funding earning assets | 0.2714% | 1,916 |
| Net interest margin | 2.1869% | 4,363 |
| Noninterest income to average assets | 0.1830% | 4,064 |
| Noninterest expense to average assets | 1.2747% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6282% | 3,307 |
| Return on assets (ROA) | 0.5977% | 3,382 |
| Pretax return on assets | 0.5977% | 3,640 |
| Return on Equity (ROE) | 6.2600% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.2600% | 2,153 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9872% | 2,637 |
| Assets per employee ($millions) | 10.9173% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0778% | 151 |
| Loan loss allowance to noncurrent loans | 5,477.7778% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,925 |
| Noncurrent loans to loans | 0.0562% | 3,579 |
| Net loans and leases to total assets | 23.7008% | 4,617 |
| Net loans and leases to deposits | 26.1879% | 4,637 |
| Net loans and leases to core deposits | 26.7806% | 4,640 |
| Total domestic deposits to total assets | 90.5029% | 1,298 |
| Equity capital to assets | 8.5354% | 3,128 |
| Core capital (leverage) ratio | 10.2132% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3575% | 469 |
| Memoranda: | ||
| Average total assets | $65,582,500 | 4,369 |
| Average earning assets | $51,580,500 | 4,467 |
| Average equity | $6,262,000 | 4,440 |
| Average total loans | $17,373,000 | 4,561 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8988% | 4,057 |
| Cost of funding earning assets | 0.2869% | 2,535 |
| Net interest margin | 2.6119% | 4,031 |
| Noninterest income to average assets | 0.1832% | 4,238 |
| Noninterest expense to average assets | 1.3972% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9412% | 2,901 |
| Return on assets (ROA) | 0.9702% | 2,854 |
| Pretax return on assets | 1.0658% | 3,085 |
| Return on Equity (ROE) | 8.6602% | 3,030 |
| Retained earnings to average equity (ytd only) | -0.0569% | 4,502 |
| Net charge-offs to loans | 0.0056% | 2,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 649.0000% | 224 |
| Efficiency ratio | 57.4705% | 3,527 |
| Assets per employee ($millions) | 10.9435% | 518 |
| Cash dividends to net income (ytd only)* | 100.6568% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 233 |
| Loan loss allowance to noncurrent loans | 5,477.7778% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,000 |
| Noncurrent loans to loans | 0.0481% | 3,738 |
| Net loans and leases to total assets | 27.7714% | 4,573 |
| Net loans and leases to deposits | 31.6805% | 4,589 |
| Net loans and leases to core deposits | 32.4184% | 4,596 |
| Total domestic deposits to total assets | 87.6609% | 2,217 |
| Equity capital to assets | 10.5588% | 2,119 |
| Core capital (leverage) ratio | 10.2065% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8832% | 498 |
| Memoranda: | ||
| Average total assets | $62,768,800 | 4,417 |
| Average earning assets | $54,022,800 | 4,465 |
| Average equity | $7,032,200 | 4,416 |
| Average total loans | $17,877,000 | 4,601 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0658% | 3,876 |
| Cost of funding earning assets | 0.2861% | 2,739 |
| Net interest margin | 2.7797% | 3,825 |
| Noninterest income to average assets | 0.1805% | 4,294 |
| Noninterest expense to average assets | 1.4140% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0983% | 2,563 |
| Return on assets (ROA) | 1.1260% | 2,521 |
| Pretax return on assets | 1.2184% | 2,870 |
| Return on Equity (ROE) | 9.9001% | 2,773 |
| Retained earnings to average equity (ytd only) | -1.6815% | 4,692 |
| Net charge-offs to loans | 0.0075% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 553.0000% | 272 |
| Efficiency ratio | 54.3353% | 3,762 |
| Assets per employee ($millions) | 10.5135% | 555 |
| Cash dividends to net income (ytd only)* | 116.9847% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0221% | 149 |
| 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 | 25.0789% | 4,728 |
| Net loans and leases to deposits | 28.7898% | 4,727 |
| Net loans and leases to core deposits | 29.4918% | 4,735 |
| Total domestic deposits to total assets | 87.1102% | 2,312 |
| Equity capital to assets | 11.0905% | 1,950 |
| Core capital (leverage) ratio | 10.3545% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5789% | 451 |
| Memoranda: | ||
| Average total assets | $62,045,750 | 4,486 |
| Average earning assets | $54,057,750 | 4,518 |
| Average equity | $7,057,000 | 4,478 |
| Average total loans | $17,664,250 | 4,671 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2170% | 3,640 |
| Cost of funding earning assets | 0.2785% | 2,998 |
| Net interest margin | 2.9385% | 3,482 |
| Noninterest income to average assets | 0.1750% | 4,327 |
| Noninterest expense to average assets | 1.4068% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4360% | 1,463 |
| Return on assets (ROA) | 1.4651% | 1,445 |
| Pretax return on assets | 1.4651% | 2,123 |
| Return on Equity (ROE) | 12.7732% | 1,798 |
| Retained earnings to average equity (ytd only) | -1.1586% | 4,621 |
| Net charge-offs to loans | 0.0110% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 443.0000% | 293 |
| Efficiency ratio | 49.4869% | 4,274 |
| Assets per employee ($millions) | 10.4250% | 537 |
| Cash dividends to net income (ytd only)* | 109.0708% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0107% | 152 |
| 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 | 25.3909% | 4,763 |
| Net loans and leases to deposits | 29.2276% | 4,769 |
| Net loans and leases to core deposits | 29.9468% | 4,776 |
| Total domestic deposits to total assets | 86.8729% | 2,394 |
| Equity capital to assets | 11.2902% | 1,755 |
| Core capital (leverage) ratio | 10.2750% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5844% | 352 |
| Memoranda: | ||
| Average total assets | $61,700,667 | 4,518 |
| Average earning assets | $56,015,000 | 4,522 |
| Average equity | $7,077,333 | 4,502 |
| Average total loans | $18,114,667 | 4,699 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6085% | 4,565 |
| Cost of funding earning assets | 0.2850% | 3,146 |
| Net interest margin | 2.3235% | 4,502 |
| Noninterest income to average assets | 0.1697% | 4,346 |
| Noninterest expense to average assets | 1.4165% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8290% | 3,329 |
| Return on assets (ROA) | 0.8943% | 3,220 |
| Pretax return on assets | 0.8943% | 3,613 |
| Return on Equity (ROE) | 7.7347% | 3,407 |
| Retained earnings to average equity (ytd only) | -16.2597% | 4,889 |
| Net charge-offs to loans | 0.0211% | 1,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 535 |
| Efficiency ratio | 63.0814% | 2,600 |
| Assets per employee ($millions) | 10.4577% | 521 |
| Cash dividends to net income (ytd only)* | 310.2190% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7916% | 186 |
| Loan loss allowance to noncurrent loans | 24,650.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,384 |
| Noncurrent loans to loans | 0.0113% | 4,254 |
| Net loans and leases to total assets | 27.3595% | 4,765 |
| Net loans and leases to deposits | 31.5692% | 4,773 |
| Net loans and leases to core deposits | 32.3338% | 4,785 |
| Total domestic deposits to total assets | 86.6653% | 2,457 |
| Equity capital to assets | 10.8549% | 1,965 |
| Core capital (leverage) ratio | 10.4344% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9737% | 355 |
| Memoranda: | ||
| Average total assets | $61,276,000 | 4,545 |
| Average earning assets | $54,744,000 | 4,552 |
| Average equity | $7,085,000 | 4,519 |
| Average total loans | $18,984,500 | 4,714 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 4,126 |
| Cost of funding earning assets | 0.3914% | 3,634 |
| Net interest margin | 3.0560% | 3,738 |
| Noninterest income to average assets | 0.5609% | 2,371 |
| Noninterest expense to average assets | 1.6043% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6024% | 634 |
| Return on assets (ROA) | 1.6043% | 689 |
| Pretax return on assets | 1.6062% | 1,066 |
| Return on Equity (ROE) | 12.4541% | 1,194 |
| Retained earnings to average equity (ytd only) | 4.6287% | 2,463 |
| Net charge-offs to loans | 0.0145% | 2,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 287.0000% | 355 |
| Efficiency ratio | 50.0000% | 4,534 |
| Assets per employee ($millions) | 9.9677% | 534 |
| Cash dividends to net income (ytd only)* | 62.8339% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4324% | 284 |
| Loan loss allowance to noncurrent loans | 16,466.6667% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,432 |
| Noncurrent loans to loans | 0.0148% | 4,307 |
| Net loans and leases to total assets | 33.1321% | 4,674 |
| Net loans and leases to deposits | 38.6702% | 4,687 |
| Net loans and leases to core deposits | 39.4666% | 4,710 |
| Total domestic deposits to total assets | 85.6787% | 2,498 |
| Equity capital to assets | 12.3048% | 1,417 |
| Core capital (leverage) ratio | 11.6316% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5626% | 469 |
| Memoranda: | ||
| Average total assets | $53,668,400 | 4,604 |
| Average earning assets | $46,499,000 | 4,642 |
| Average equity | $6,913,400 | 4,538 |
| Average total loans | $20,730,400 | 4,696 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5450% | 4,131 |
| Cost of funding earning assets | 0.4042% | 3,785 |
| Net interest margin | 3.1408% | 3,643 |
| Noninterest income to average assets | 0.5703% | 2,304 |
| Noninterest expense to average assets | 1.6802% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6496% | 646 |
| Return on assets (ROA) | 1.6393% | 734 |
| Pretax return on assets | 1.6419% | 1,085 |
| Return on Equity (ROE) | 12.5646% | 1,229 |
| Retained earnings to average equity (ytd only) | 1.9602% | 3,949 |
| Net charge-offs to loans | 0.0064% | 2,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 646.0000% | 191 |
| Efficiency ratio | 50.4221% | 4,462 |
| Assets per employee ($millions) | 8.8853% | 718 |
| Cash dividends to net income (ytd only)* | 84.3994% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5393% | 217 |
| Loan loss allowance to noncurrent loans | 9,920.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,570 |
| Noncurrent loans to loans | 0.0256% | 4,307 |
| Net loans and leases to total assets | 35.7087% | 4,690 |
| Net loans and leases to deposits | 42.4176% | 4,691 |
| Net loans and leases to core deposits | 43.4149% | 4,722 |
| Total domestic deposits to total assets | 84.1837% | 2,756 |
| Equity capital to assets | 13.3797% | 1,037 |
| Core capital (leverage) ratio | 12.3467% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2569% | 439 |
| Memoranda: | ||
| Average total assets | $52,134,000 | 4,647 |
| Average earning assets | $45,847,500 | 4,673 |
| Average equity | $6,802,000 | 4,570 |
| Average total loans | $20,835,750 | 4,726 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,126 |
| Cost of funding earning assets | 0.4221% | 3,938 |
| Net interest margin | 3.2580% | 3,498 |
| Noninterest income to average assets | 0.7653% | 1,538 |
| Noninterest expense to average assets | 1.5423% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0834% | 275 |
| Return on assets (ROA) | 2.0564% | 327 |
| Pretax return on assets | 2.0602% | 487 |
| Return on Equity (ROE) | 15.9004% | 583 |
| Retained earnings to average equity (ytd only) | 0.9265% | 4,117 |
| Net charge-offs to loans | 0.0094% | 2,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 540.0000% | 193 |
| Efficiency ratio | 42.4920% | 4,850 |
| Assets per employee ($millions) | 10.8974% | 396 |
| Cash dividends to net income (ytd only)* | 94.1729% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4093% | 248 |
| Loan loss allowance to noncurrent loans | 7,085.7143% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,676 |
| Noncurrent loans to loans | 0.0340% | 4,343 |
| Net loans and leases to total assets | 36.8730% | 4,700 |
| Net loans and leases to deposits | 43.4400% | 4,714 |
| Net loans and leases to core deposits | 44.0467% | 4,752 |
| Total domestic deposits to total assets | 84.8826% | 2,444 |
| Equity capital to assets | 12.8214% | 1,231 |
| Core capital (leverage) ratio | 11.6798% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7454% | 521 |
| Memoranda: | ||
| Average total assets | $51,741,333 | 4,664 |
| Average earning assets | $45,488,667 | 4,694 |
| Average equity | $6,691,667 | 4,604 |
| Average total loans | $21,270,000 | 4,745 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,241 |
| Cost of funding earning assets | 0.4439% | 4,179 |
| Net interest margin | 3.3515% | 3,446 |
| Noninterest income to average assets | 1.3818% | 463 |
| Noninterest expense to average assets | 1.5962% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.7239% | 87 |
| Return on assets (ROA) | 2.6445% | 95 |
| Pretax return on assets | 2.6445% | 132 |
| Return on Equity (ROE) | 20.3530% | 153 |
| Retained earnings to average equity (ytd only) | -2.6282% | 4,314 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9485% | 5,020 |
| Assets per employee ($millions) | 10.0684% | 371 |
| Cash dividends to net income (ytd only)* | 112.9129% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4474% | 269 |
| Loan loss allowance to noncurrent loans | 5,522.2222% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 3,740 |
| Noncurrent loans to loans | 0.0443% | 4,374 |
| Net loans and leases to total assets | 39.3508% | 4,689 |
| Net loans and leases to deposits | 46.7934% | 4,699 |
| Net loans and leases to core deposits | 47.5060% | 4,742 |
| Total domestic deposits to total assets | 84.0948% | 2,763 |
| Equity capital to assets | 13.1580% | 1,358 |
| Core capital (leverage) ratio | 12.8927% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3866% | 610 |
| Memoranda: | ||
| Average total assets | $50,368,500 | 4,706 |
| Average earning assets | $44,159,000 | 4,735 |
| Average equity | $6,544,500 | 4,660 |
| Average total loans | $21,611,500 | 4,772 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 3,181 |
| Cost of funding earning assets | 0.4963% | 4,111 |
| Net interest margin | 3.9273% | 2,078 |
| Noninterest income to average assets | 0.3117% | 3,827 |
| Noninterest expense to average assets | 1.9686% | 4,585 |
| Loan and lease loss provision to assets | -0.2092% | 5,120 |
| Net operating income to assets | 2.2113% | 218 |
| Return on assets (ROA) | 2.2657% | 209 |
| Pretax return on assets | 2.2657% | 332 |
| Return on Equity (ROE) | 18.0350% | 338 |
| Retained earnings to average equity (ytd only) | 6.9442% | 1,413 |
| Net charge-offs to loans | -0.3319% | 5,096 |
| Credit loss provision to net charge-offs | 138.8889% | 1,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5785% | 4,751 |
| Assets per employee ($millions) | 8.3992% | 620 |
| Cash dividends to net income (ytd only)* | 61.4958% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1688% | 347 |
| Loan loss allowance to noncurrent loans | 4,518.1818% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 3,689 |
| Noncurrent loans to loans | 0.0480% | 4,358 |
| Net loans and leases to total assets | 44.4866% | 4,580 |
| Net loans and leases to deposits | 52.5330% | 4,592 |
| Net loans and leases to core deposits | 53.3240% | 4,669 |
| Total domestic deposits to total assets | 84.6830% | 2,613 |
| Equity capital to assets | 12.8287% | 1,621 |
| Core capital (leverage) ratio | 12.6790% | 1,387 |
| Tier 1 risk-based capital ratio | 20.7655% | 1,209 |
| Total risk-based capital ratio | 22.0218% | 1,176 |
| Memoranda: | ||
| Average total assets | $47,800,400 | 4,786 |
| Average earning assets | $44,534,000 | 4,774 |
| Average equity | $6,005,000 | 4,754 |
| Average total loans | $21,693,200 | 4,823 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 3,980 |
| Cost of funding earning assets | 0.5053% | 4,118 |
| Net interest margin | 3.6700% | 3,027 |
| Noninterest income to average assets | 0.3393% | 3,697 |
| Noninterest expense to average assets | 1.9652% | 4,616 |
| Loan and lease loss provision to assets | -0.2828% | 5,224 |
| Net operating income to assets | 2.0868% | 332 |
| Return on assets (ROA) | 2.1575% | 304 |
| Pretax return on assets | 2.1575% | 493 |
| Return on Equity (ROE) | 17.2718% | 454 |
| Retained earnings to average equity (ytd only) | 2.1958% | 4,209 |
| Net charge-offs to loans | -0.3179% | 5,160 |
| Credit loss provision to net charge-offs | 196.0784% | 1,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1380% | 4,584 |
| Assets per employee ($millions) | 7.7002% | 771 |
| Cash dividends to net income (ytd only)* | 87.2871% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1561% | 356 |
| Loan loss allowance to noncurrent loans | 3,975.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 1,811 |
| Noncurrent loans to loans | 0.0542% | 4,394 |
| Net loans and leases to total assets | 46.8518% | 4,558 |
| Net loans and leases to deposits | 56.4050% | 4,540 |
| Net loans and leases to core deposits | 57.3480% | 4,643 |
| Total domestic deposits to total assets | 83.0631% | 3,145 |
| Equity capital to assets | 13.3222% | 1,454 |
| Core capital (leverage) ratio | 12.8320% | 1,416 |
| Tier 1 risk-based capital ratio | 20.4644% | 1,294 |
| Total risk-based capital ratio | 21.7172% | 1,261 |
| Memoranda: | ||
| Average total assets | $47,151,750 | 4,868 |
| Average earning assets | $44,067,500 | 4,853 |
| Average equity | $5,890,000 | 4,833 |
| Average total loans | $21,387,500 | 4,902 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 4,128 |
| Cost of funding earning assets | 0.4600% | 4,285 |
| Net interest margin | 3.6531% | 3,095 |
| Noninterest income to average assets | 0.3918% | 3,328 |
| Noninterest expense to average assets | 1.8370% | 4,830 |
| Loan and lease loss provision to assets | -0.2107% | 5,256 |
| Net operating income to assets | 2.1783% | 278 |
| Return on assets (ROA) | 2.1783% | 291 |
| Pretax return on assets | 2.1783% | 463 |
| Return on Equity (ROE) | 17.8225% | 390 |
| Retained earnings to average equity (ytd only) | -0.4137% | 4,755 |
| Net charge-offs to loans | -0.4635% | 5,223 |
| Credit loss provision to net charge-offs | 102.0408% | 1,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2835% | 4,886 |
| Assets per employee ($millions) | 7.7703% | 725 |
| Cash dividends to net income (ytd only)* | 102.3211% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 249 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 3,706 |
| Noncurrent loans to loans | 0.0691% | 4,371 |
| Net loans and leases to total assets | 45.4185% | 4,662 |
| Net loans and leases to deposits | 59.4853% | 4,455 |
| Net loans and leases to core deposits | 60.5571% | 4,554 |
| Total domestic deposits to total assets | 76.3524% | 4,629 |
| Equity capital to assets | 12.8158% | 1,683 |
| Core capital (leverage) ratio | 12.2448% | 1,679 |
| Tier 1 risk-based capital ratio | 20.0598% | 1,342 |
| Total risk-based capital ratio | 21.3176% | 1,311 |
| Memoranda: | ||
| Average total assets | $47,468,670 | 4,900 |
| Average earning assets | $44,346,000 | 4,888 |
| Average equity | $5,801,670 | 4,876 |
| Average total loans | $21,142,330 | 4,952 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,428 |
| Cost of funding earning assets | 0.4052% | 4,459 |
| Net interest margin | 3.5661% | 3,376 |
| Noninterest income to average assets | 0.2005% | 4,558 |
| Noninterest expense to average assets | 1.8291% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6788% | 765 |
| Return on assets (ROA) | 1.6788% | 790 |
| Pretax return on assets | 1.6788% | 1,262 |
| Return on Equity (ROE) | 14.0682% | 955 |
| Retained earnings to average equity (ytd only) | -0.6299% | 4,611 |
| Net charge-offs to loans | -0.8436% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1429% | 4,687 |
| Assets per employee ($millions) | 7.5148% | 813 |
| Cash dividends to net income (ytd only)* | 104.4776% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8422% | 158 |
| Loan loss allowance to noncurrent loans | 3,352.9412% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 3,710 |
| Noncurrent loans to loans | 0.0848% | 4,376 |
| Net loans and leases to total assets | 43.2145% | 4,776 |
| Net loans and leases to deposits | 51.0586% | 4,781 |
| Net loans and leases to core deposits | 51.9129% | 4,838 |
| Total domestic deposits to total assets | 84.6371% | 2,804 |
| Equity capital to assets | 12.8080% | 1,564 |
| Core capital (leverage) ratio | 12.5377% | 1,487 |
| Tier 1 risk-based capital ratio | 21.5145% | 1,107 |
| Total risk-based capital ratio | 22.7753% | 1,087 |
| Memoranda: | ||
| Average total assets | $47,892,000 | 4,939 |
| Average earning assets | $44,418,000 | 4,935 |
| Average equity | $5,715,000 | 4,930 |
| Average total loans | $20,863,500 | 5,017 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 4,637 |
| Cost of funding earning assets | 0.3159% | 4,494 |
| Net interest margin | 3.4059% | 3,985 |
| Noninterest income to average assets | 0.2346% | 4,509 |
| Noninterest expense to average assets | 1.8640% | 4,942 |
| Loan and lease loss provision to assets | -0.1038% | 5,274 |
| Net operating income to assets | 1.6751% | 726 |
| Return on assets (ROA) | 1.6751% | 726 |
| Pretax return on assets | 1.6751% | 1,232 |
| Return on Equity (ROE) | 15.0841% | 810 |
| Retained earnings to average equity (ytd only) | 6.5981% | 1,866 |
| Net charge-offs to loans | -0.3949% | 5,329 |
| Credit loss provision to net charge-offs | 60.2410% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2598% | 4,594 |
| Assets per employee ($millions) | 8.4492% | 562 |
| Cash dividends to net income (ytd only)* | 56.2577% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4271% | 246 |
| Loan loss allowance to noncurrent loans | 559.5745% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,125 |
| Noncurrent loans to loans | 0.4337% | 2,985 |
| Net loans and leases to total assets | 41.7122% | 4,890 |
| Net loans and leases to deposits | 48.2730% | 4,928 |
| Net loans and leases to core deposits | 48.9740% | 4,967 |
| Total domestic deposits to total assets | 86.4089% | 2,050 |
| Equity capital to assets | 11.1549% | 2,548 |
| Core capital (leverage) ratio | 12.0587% | 1,692 |
| Tier 1 risk-based capital ratio | 20.3252% | 1,252 |
| Total risk-based capital ratio | 21.5833% | 1,229 |
| Memoranda: | ||
| Average total assets | $48,176,000 | 4,969 |
| Average earning assets | $45,274,600 | 4,948 |
| Average equity | $5,350,000 | 4,995 |
| Average total loans | $21,018,000 | 5,054 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 4,644 |
| Cost of funding earning assets | 0.3116% | 4,438 |
| Net interest margin | 3.3914% | 4,026 |
| Noninterest income to average assets | 0.2243% | 4,626 |
| Noninterest expense to average assets | 1.8900% | 4,921 |
| Loan and lease loss provision to assets | -0.1402% | 5,376 |
| Net operating income to assets | 1.6769% | 790 |
| Return on assets (ROA) | 1.6769% | 791 |
| Pretax return on assets | 1.6797% | 1,324 |
| Return on Equity (ROE) | 15.1185% | 848 |
| Retained earnings to average equity (ytd only) | 3.6407% | 3,944 |
| Net charge-offs to loans | -0.5371% | 5,404 |
| Credit loss provision to net charge-offs | 59.5238% | 2,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1104% | 4,495 |
| Assets per employee ($millions) | 7.8208% | 688 |
| Cash dividends to net income (ytd only)* | 75.9203% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5995% | 210 |
| Loan loss allowance to noncurrent loans | 553.6842% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 3,148 |
| Noncurrent loans to loans | 0.4695% | 2,983 |
| Net loans and leases to total assets | 42.0011% | 4,964 |
| Net loans and leases to deposits | 48.7726% | 4,993 |
| Net loans and leases to core deposits | 49.5388% | 5,032 |
| Total domestic deposits to total assets | 86.1161% | 2,135 |
| Equity capital to assets | 11.3351% | 2,368 |
| Core capital (leverage) ratio | 11.8956% | 1,842 |
| Tier 1 risk-based capital ratio | 20.4246% | 1,263 |
| Total risk-based capital ratio | 21.6812% | 1,230 |
| Memoranda: | ||
| Average total assets | $47,546,250 | 5,038 |
| Average earning assets | $44,936,500 | 5,009 |
| Average equity | $5,273,750 | 5,065 |
| Average total loans | $20,854,500 | 5,118 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 4,751 |
| Cost of funding earning assets | 0.2963% | 4,441 |
| Net interest margin | 3.3122% | 4,217 |
| Noninterest income to average assets | 0.2178% | 4,718 |
| Noninterest expense to average assets | 1.9224% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4324% | 1,331 |
| Return on assets (ROA) | 1.4324% | 1,332 |
| Pretax return on assets | 1.4324% | 2,048 |
| Return on Equity (ROE) | 13.0071% | 1,368 |
| Retained earnings to average equity (ytd only) | 0.4184% | 4,884 |
| Net charge-offs to loans | -0.5793% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3034% | 4,325 |
| Assets per employee ($millions) | 8.1228% | 604 |
| Cash dividends to net income (ytd only)* | 96.7836% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6558% | 205 |
| Loan loss allowance to noncurrent loans | 565.3061% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 3,230 |
| Noncurrent loans to loans | 0.4698% | 3,028 |
| Net loans and leases to total assets | 41.6644% | 4,998 |
| Net loans and leases to deposits | 47.9764% | 5,028 |
| Net loans and leases to core deposits | 48.6943% | 5,072 |
| Total domestic deposits to total assets | 86.8437% | 1,908 |
| Equity capital to assets | 10.7618% | 2,876 |
| Core capital (leverage) ratio | 11.2709% | 2,285 |
| Tier 1 risk-based capital ratio | 19.3701% | 1,460 |
| Total risk-based capital ratio | 20.6285% | 1,420 |
| Memoranda: | ||
| Average total assets | $47,753,330 | 5,092 |
| Average earning assets | $45,226,330 | 5,063 |
| Average equity | $5,258,670 | 5,119 |
| Average total loans | $21,061,000 | 5,173 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 5,053 |
| Cost of funding earning assets | 0.2861% | 4,449 |
| Net interest margin | 3.0845% | 4,735 |
| Noninterest income to average assets | 0.2116% | 4,743 |
| Noninterest expense to average assets | 2.0820% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0495% | 2,653 |
| Return on assets (ROA) | 1.0495% | 2,666 |
| Pretax return on assets | 1.0495% | 3,360 |
| Return on Equity (ROE) | 9.4198% | 2,707 |
| Retained earnings to average equity (ytd only) | -3.8743% | 5,133 |
| Net charge-offs to loans | -0.0945% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4865% | 3,082 |
| Assets per employee ($millions) | 7.6247% | 731 |
| Cash dividends to net income (ytd only)* | 141.1290% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5632% | 241 |
| Loan loss allowance to noncurrent loans | 352.4823% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 2,867 |
| Noncurrent loans to loans | 0.7272% | 2,394 |
| Net loans and leases to total assets | 41.2980% | 5,009 |
| Net loans and leases to deposits | 47.9189% | 5,042 |
| Net loans and leases to core deposits | 48.2999% | 5,093 |
| Total domestic deposits to total assets | 86.1830% | 2,461 |
| Equity capital to assets | 11.3316% | 2,274 |
| Core capital (leverage) ratio | 11.6316% | 1,906 |
| Tier 1 risk-based capital ratio | 19.8437% | 1,375 |
| Total risk-based capital ratio | 21.1006% | 1,342 |
| Memoranda: | ||
| Average total assets | $47,261,500 | 5,163 |
| Average earning assets | $44,740,500 | 5,137 |
| Average equity | $5,265,500 | 5,175 |
| Average total loans | $21,161,500 | 5,228 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 4,943 |
| Cost of funding earning assets | 0.2838% | 4,284 |
| Net interest margin | 3.1154% | 4,658 |
| Noninterest income to average assets | 0.2298% | 4,765 |
| Noninterest expense to average assets | 1.9334% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2027% | 1,517 |
| Return on assets (ROA) | 1.2027% | 1,544 |
| Pretax return on assets | 1.2047% | 2,755 |
| Return on Equity (ROE) | 11.0259% | 1,473 |
| Retained earnings to average equity (ytd only) | 3.6627% | 3,055 |
| Net charge-offs to loans | -0.2099% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6095% | 4,001 |
| Assets per employee ($millions) | 6.9679% | 980 |
| Cash dividends to net income (ytd only)* | 66.7814% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 410 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 2,046 |
| Noncurrent loans to loans | 1.2515% | 1,408 |
| Net loans and leases to total assets | 46.0092% | 4,887 |
| Net loans and leases to deposits | 53.1714% | 4,924 |
| Net loans and leases to core deposits | 53.5661% | 5,016 |
| Total domestic deposits to total assets | 86.5300% | 2,215 |
| Equity capital to assets | 10.9626% | 2,667 |
| Core capital (leverage) ratio | 11.0821% | 2,258 |
| Tier 1 risk-based capital ratio | 18.6053% | 1,616 |
| Total risk-based capital ratio | 19.8601% | 1,563 |
| Memoranda: | ||
| Average total assets | $48,309,000 | 5,189 |
| Average earning assets | $45,098,600 | 5,169 |
| Average equity | $5,269,400 | 5,226 |
| Average total loans | $21,435,000 | 5,272 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 5,004 |
| Cost of funding earning assets | 0.2794% | 4,319 |
| Net interest margin | 3.0918% | 4,735 |
| Noninterest income to average assets | 0.2241% | 4,875 |
| Noninterest expense to average assets | 1.9062% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1952% | 1,711 |
| Return on assets (ROA) | 1.1952% | 1,745 |
| Pretax return on assets | 1.1952% | 2,930 |
| Return on Equity (ROE) | 10.9712% | 1,712 |
| Retained earnings to average equity (ytd only) | 1.1175% | 4,943 |
| Net charge-offs to loans | -0.2279% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4630% | 3,961 |
| Assets per employee ($millions) | 6.6966% | 1,070 |
| Cash dividends to net income (ytd only)* | 89.8141% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3444% | 324 |
| Loan loss allowance to noncurrent loans | 164.8464% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 2,126 |
| Noncurrent loans to loans | 1.4222% | 1,313 |
| Net loans and leases to total assets | 42.9196% | 5,081 |
| Net loans and leases to deposits | 51.5079% | 5,072 |
| Net loans and leases to core deposits | 51.9200% | 5,140 |
| Total domestic deposits to total assets | 83.3262% | 3,352 |
| Equity capital to assets | 11.4878% | 2,388 |
| Core capital (leverage) ratio | 11.3031% | 2,182 |
| Tier 1 risk-based capital ratio | 18.9280% | 1,609 |
| Total risk-based capital ratio | 20.1840% | 1,564 |
| Memoranda: | ||
| Average total assets | $48,192,500 | 5,244 |
| Average earning assets | $44,849,250 | 5,230 |
| Average equity | $5,250,000 | 5,285 |
| Average total loans | $21,060,500 | 5,336 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3150% | 5,082 |
| Cost of funding earning assets | 0.2666% | 4,404 |
| Net interest margin | 3.0484% | 4,796 |
| Noninterest income to average assets | 0.2015% | 5,039 |
| Noninterest expense to average assets | 1.8836% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1392% | 1,826 |
| Return on assets (ROA) | 1.1392% | 1,878 |
| Pretax return on assets | 1.1392% | 3,011 |
| Return on Equity (ROE) | 10.6436% | 1,783 |
| Retained earnings to average equity (ytd only) | -1.2680% | 5,262 |
| Net charge-offs to loans | -0.3300% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3129% | 3,939 |
| Assets per employee ($millions) | 6.9019% | 972 |
| Cash dividends to net income (ytd only)* | 111.9134% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3142% | 369 |
| Loan loss allowance to noncurrent loans | 126.4398% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 2,229 |
| Noncurrent loans to loans | 1.8303% | 977 |
| Net loans and leases to total assets | 42.1998% | 5,134 |
| Net loans and leases to deposits | 49.2761% | 5,167 |
| Net loans and leases to core deposits | 49.6481% | 5,239 |
| Total domestic deposits to total assets | 85.6395% | 2,554 |
| Equity capital to assets | 10.9970% | 2,808 |
| Core capital (leverage) ratio | 10.4765% | 2,944 |
| Tier 1 risk-based capital ratio | 17.9397% | 1,872 |
| Total risk-based capital ratio | 19.1942% | 1,823 |
| Memoranda: | ||
| Average total assets | $48,631,330 | 5,282 |
| Average earning assets | $45,007,670 | 5,263 |
| Average equity | $5,205,000 | 5,328 |
| Average total loans | $21,213,330 | 5,372 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 5,223 |
| Cost of funding earning assets | 0.2411% | 4,623 |
| Net interest margin | 2.9730% | 4,947 |
| Noninterest income to average assets | 0.1804% | 5,189 |
| Noninterest expense to average assets | 1.9020% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0084% | 2,270 |
| Return on assets (ROA) | 1.0084% | 2,320 |
| Pretax return on assets | 1.0084% | 3,331 |
| Return on Equity (ROE) | 9.5515% | 2,163 |
| Retained earnings to average equity (ytd only) | -4.0381% | 5,332 |
| Net charge-offs to loans | -0.4676% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3521% | 3,605 |
| Assets per employee ($millions) | 6.9210% | 986 |
| Cash dividends to net income (ytd only)* | 142.2764% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3633% | 370 |
| Loan loss allowance to noncurrent loans | 118.5930% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 2,238 |
| Noncurrent loans to loans | 1.9928% | 897 |
| Net loans and leases to total assets | 40.2502% | 5,241 |
| Net loans and leases to deposits | 46.2798% | 5,294 |
| Net loans and leases to core deposits | 46.6217% | 5,348 |
| Total domestic deposits to total assets | 86.9713% | 2,228 |
| Equity capital to assets | 10.6880% | 2,976 |
| Core capital (leverage) ratio | 10.8401% | 2,558 |
| Tier 1 risk-based capital ratio | 18.2477% | 1,790 |
| Total risk-based capital ratio | 19.5008% | 1,757 |
| Memoranda: | ||
| Average total assets | $48,790,500 | 5,336 |
| Average earning assets | $44,803,000 | 5,326 |
| Average equity | $5,151,000 | 5,389 |
| Average total loans | $21,384,500 | 5,423 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 5,119 |
| Cost of funding earning assets | 0.2934% | 4,141 |
| Net interest margin | 3.0352% | 4,889 |
| Noninterest income to average assets | 0.1932% | 5,249 |
| Noninterest expense to average assets | 1.9980% | 5,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9429% | 2,617 |
| Return on assets (ROA) | 0.9429% | 2,727 |
| Pretax return on assets | 0.9450% | 3,668 |
| Return on Equity (ROE) | 8.1952% | 2,837 |
| Retained earnings to average equity (ytd only) | -7.3107% | 5,739 |
| Net charge-offs to loans | 0.2497% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.4259% | 2,871 |
| Efficiency ratio | 67.8899% | 3,257 |
| Assets per employee ($millions) | 6.1418% | 1,378 |
| Cash dividends to net income (ytd only)* | 189.2070% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 712 |
| Loan loss allowance to noncurrent loans | 104.4393% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 2,169 |
| Noncurrent loans to loans | 1.8774% | 994 |
| Net loans and leases to total assets | 45.4878% | 5,045 |
| Net loans and leases to deposits | 52.2099% | 5,108 |
| Net loans and leases to core deposits | 52.5895% | 5,199 |
| Total domestic deposits to total assets | 87.1250% | 2,075 |
| Equity capital to assets | 10.4286% | 3,235 |
| Core capital (leverage) ratio | 10.4810% | 2,895 |
| Tier 1 risk-based capital ratio | 17.3392% | 2,049 |
| Total risk-based capital ratio | 18.5927% | 2,010 |
| Memoranda: | ||
| Average total assets | $48,148,200 | 5,384 |
| Average earning assets | $43,620,800 | 5,387 |
| Average equity | $5,539,800 | 5,358 |
| Average total loans | $21,629,400 | 5,460 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 5,204 |
| Cost of funding earning assets | 0.3090% | 3,995 |
| Net interest margin | 3.0013% | 5,010 |
| Noninterest income to average assets | 0.1948% | 5,301 |
| Noninterest expense to average assets | 2.0402% | 5,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8823% | 2,997 |
| Return on assets (ROA) | 0.8823% | 3,121 |
| Pretax return on assets | 0.8851% | 4,031 |
| Return on Equity (ROE) | 7.4890% | 3,307 |
| Retained earnings to average equity (ytd only) | -12.8044% | 5,872 |
| Net charge-offs to loans | 0.3499% | 650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.6789% | 3,098 |
| Efficiency ratio | 69.7431% | 2,929 |
| Assets per employee ($millions) | 5.9211% | 1,498 |
| Cash dividends to net income (ytd only)* | 270.9743% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1193% | 582 |
| Loan loss allowance to noncurrent loans | 89.5582% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 1,961 |
| Noncurrent loans to loans | 2.3664% | 770 |
| Net loans and leases to total assets | 43.4862% | 5,226 |
| Net loans and leases to deposits | 50.3729% | 5,281 |
| Net loans and leases to core deposits | 50.7552% | 5,358 |
| Total domestic deposits to total assets | 86.3286% | 2,202 |
| Equity capital to assets | 11.1888% | 2,810 |
| Core capital (leverage) ratio | 10.9906% | 2,455 |
| Tier 1 risk-based capital ratio | 18.0850% | 1,891 |
| Total risk-based capital ratio | 19.3402% | 1,856 |
| Memoranda: | ||
| Average total assets | $47,901,750 | 5,444 |
| Average earning assets | $43,579,750 | 5,439 |
| Average equity | $5,643,750 | 5,399 |
| Average total loans | $21,337,500 | 5,522 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2532% | 5,360 |
| Cost of funding earning assets | 0.3358% | 3,741 |
| Net interest margin | 2.9174% | 5,238 |
| Noninterest income to average assets | 0.1747% | 5,446 |
| Noninterest expense to average assets | 2.0882% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7571% | 3,519 |
| Return on assets (ROA) | 0.7571% | 3,667 |
| Pretax return on assets | 0.7612% | 4,418 |
| Return on Equity (ROE) | 6.3213% | 3,894 |
| Retained earnings to average equity (ytd only) | -3.4038% | 5,665 |
| Net charge-offs to loans | 0.5225% | 404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.2679% | 3,138 |
| Efficiency ratio | 73.2847% | 2,470 |
| Assets per employee ($millions) | 6.0628% | 1,359 |
| Cash dividends to net income (ytd only)* | 153.8462% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1331% | 594 |
| Loan loss allowance to noncurrent loans | 89.2000% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0309% | 2,068 |
| Noncurrent loans to loans | 2.3913% | 752 |
| Net loans and leases to total assets | 42.1900% | 5,330 |
| Net loans and leases to deposits | 49.2574% | 5,372 |
| Net loans and leases to core deposits | 49.6253% | 5,450 |
| Total domestic deposits to total assets | 85.6521% | 2,585 |
| Equity capital to assets | 11.9686% | 2,149 |
| Core capital (leverage) ratio | 11.1968% | 2,239 |
| Tier 1 risk-based capital ratio | 20.5252% | 1,342 |
| Total risk-based capital ratio | 21.7805% | 1,322 |
| Memoranda: | ||
| Average total assets | $48,079,330 | 5,499 |
| Average earning assets | $44,080,330 | 5,495 |
| Average equity | $5,758,330 | 5,433 |
| Average total loans | $21,435,000 | 5,575 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0808% | 5,622 |
| Cost of funding earning assets | 0.4259% | 2,807 |
| Net interest margin | 2.6549% | 5,660 |
| Noninterest income to average assets | 0.2089% | 5,237 |
| Noninterest expense to average assets | 2.2896% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3677% | 5,088 |
| Return on assets (ROA) | 0.3677% | 5,165 |
| Pretax return on assets | 0.3677% | 5,364 |
| Return on Equity (ROE) | 3.0689% | 5,206 |
| Retained earnings to average equity (ytd only) | -12.4150% | 5,867 |
| Net charge-offs to loans | -0.2212% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1635% | 960 |
| Assets per employee ($millions) | 5.8675% | 1,515 |
| Cash dividends to net income (ytd only)* | 504.5455% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6267% | 337 |
| Loan loss allowance to noncurrent loans | 76.3744% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.4337% | 1,446 |
| Noncurrent loans to loans | 3.4393% | 404 |
| Net loans and leases to total assets | 40.5922% | 5,427 |
| Net loans and leases to deposits | 47.6851% | 5,434 |
| Net loans and leases to core deposits | 48.0543% | 5,510 |
| Total domestic deposits to total assets | 85.1257% | 3,078 |
| Equity capital to assets | 12.0899% | 1,965 |
| Core capital (leverage) ratio | 11.7040% | 1,824 |
| Tier 1 risk-based capital ratio | 19.7514% | 1,557 |
| Total risk-based capital ratio | 21.0086% | 1,522 |
| Memoranda: | ||
| Average total assets | $47,868,000 | 5,554 |
| Average earning assets | $44,145,000 | 5,550 |
| Average equity | $5,735,000 | 5,467 |
| Average total loans | $21,698,000 | 5,623 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3978% | 5,164 |
| Cost of funding earning assets | 0.1846% | 5,405 |
| Net interest margin | 3.2132% | 4,583 |
| Noninterest income to average assets | 0.2518% | 5,086 |
| Noninterest expense to average assets | 1.9956% | 5,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1154% | 1,855 |
| Return on assets (ROA) | 1.0093% | 2,404 |
| Pretax return on assets | 1.0113% | 3,421 |
| Return on Equity (ROE) | 8.5526% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.0081% | 2,409 |
| Net charge-offs to loans | -0.0486% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1043% | 4,239 |
| Assets per employee ($millions) | 6.0995% | 1,318 |
| Cash dividends to net income (ytd only)* | 41.4433% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 681 |
| Loan loss allowance to noncurrent loans | 71.8169% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 1,455 |
| Noncurrent loans to loans | 2.9335% | 558 |
| Net loans and leases to total assets | 47.8031% | 5,027 |
| Net loans and leases to deposits | 55.7705% | 5,062 |
| Net loans and leases to core deposits | 56.1829% | 5,192 |
| Total domestic deposits to total assets | 85.7140% | 2,767 |
| Equity capital to assets | 11.8760% | 2,047 |
| Core capital (leverage) ratio | 11.2173% | 2,194 |
| Tier 1 risk-based capital ratio | 18.0252% | 1,958 |
| Total risk-based capital ratio | 19.2785% | 1,913 |
| Memoranda: | ||
| Average total assets | $48,054,800 | 5,585 |
| Average earning assets | $42,792,200 | 5,616 |
| Average equity | $5,670,800 | 5,511 |
| Average total loans | $22,634,600 | 5,630 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 4,961 |
| Cost of funding earning assets | 0.1842% | 5,511 |
| Net interest margin | 3.3243% | 4,241 |
| Noninterest income to average assets | 0.1783% | 5,586 |
| Noninterest expense to average assets | 1.9636% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1280% | 1,902 |
| Return on assets (ROA) | 1.0027% | 2,550 |
| Pretax return on assets | 1.0055% | 3,592 |
| Return on Equity (ROE) | 8.5108% | 2,820 |
| Retained earnings to average equity (ytd only) | 3.7589% | 3,797 |
| Net charge-offs to loans | -0.0716% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4563% | 4,342 |
| Assets per employee ($millions) | 6.0138% | 1,362 |
| Cash dividends to net income (ytd only)* | 55.8324% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 669 |
| Loan loss allowance to noncurrent loans | 93.6567% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 2,128 |
| Noncurrent loans to loans | 2.3454% | 895 |
| Net loans and leases to total assets | 46.4581% | 5,198 |
| Net loans and leases to deposits | 54.2289% | 5,237 |
| Net loans and leases to core deposits | 54.9718% | 5,357 |
| Total domestic deposits to total assets | 85.6703% | 2,707 |
| Equity capital to assets | 11.9268% | 2,159 |
| Core capital (leverage) ratio | 11.9490% | 1,705 |
| Tier 1 risk-based capital ratio | 18.6696% | 1,858 |
| Total risk-based capital ratio | 19.9259% | 1,820 |
| Memoranda: | ||
| Average total assets | $47,869,500 | 5,662 |
| Average earning assets | $41,992,750 | 5,703 |
| Average equity | $5,639,750 | 5,584 |
| Average total loans | $22,336,250 | 5,709 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 4,990 |
| Cost of funding earning assets | 0.1808% | 5,605 |
| Net interest margin | 3.3154% | 4,242 |
| Noninterest income to average assets | 0.1800% | 5,618 |
| Noninterest expense to average assets | 1.9460% | 5,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1509% | 1,780 |
| Return on assets (ROA) | 1.1509% | 1,844 |
| Pretax return on assets | 1.1509% | 2,967 |
| Return on Equity (ROE) | 9.8092% | 2,155 |
| Retained earnings to average equity (ytd only) | 4.6371% | 3,089 |
| Net charge-offs to loans | -0.0993% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8378% | 4,540 |
| Assets per employee ($millions) | 6.0220% | 1,331 |
| Cash dividends to net income (ytd only)* | 52.7273% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 583 |
| Loan loss allowance to noncurrent loans | 118.9573% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 2,798 |
| Noncurrent loans to loans | 1.9839% | 1,237 |
| Net loans and leases to total assets | 43.1107% | 5,431 |
| Net loans and leases to deposits | 50.1958% | 5,494 |
| Net loans and leases to core deposits | 50.8807% | 5,578 |
| Total domestic deposits to total assets | 85.8851% | 2,752 |
| Equity capital to assets | 11.7548% | 2,199 |
| Core capital (leverage) ratio | 11.2626% | 2,199 |
| Tier 1 risk-based capital ratio | 19.1975% | 1,752 |
| Total risk-based capital ratio | 20.4518% | 1,715 |
| Memoranda: | ||
| Average total assets | $47,789,330 | 5,726 |
| Average earning assets | $42,046,670 | 5,763 |
| Average equity | $5,607,000 | 5,641 |
| Average total loans | $22,164,000 | 5,772 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3973% | 5,210 |
| Cost of funding earning assets | 0.1754% | 5,719 |
| Net interest margin | 3.2219% | 4,519 |
| Noninterest income to average assets | 0.1765% | 5,658 |
| Noninterest expense to average assets | 2.0170% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0925% | 1,896 |
| Return on assets (ROA) | 1.0925% | 2,006 |
| Pretax return on assets | 1.0925% | 3,115 |
| Return on Equity (ROE) | 9.3207% | 2,303 |
| Retained earnings to average equity (ytd only) | 3.8717% | 3,678 |
| Net charge-offs to loans | -0.1769% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 4,336 |
| Assets per employee ($millions) | 5.6080% | 1,705 |
| Cash dividends to net income (ytd only)* | 58.4615% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4954% | 533 |
| Loan loss allowance to noncurrent loans | 126.1965% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 2,865 |
| Noncurrent loans to loans | 1.9774% | 1,324 |
| Net loans and leases to total assets | 43.6341% | 5,376 |
| Net loans and leases to deposits | 51.3792% | 5,367 |
| Net loans and leases to core deposits | 51.7473% | 5,508 |
| Total domestic deposits to total assets | 84.9256% | 3,444 |
| Equity capital to assets | 12.5847% | 1,639 |
| Core capital (leverage) ratio | 11.6259% | 1,906 |
| Tier 1 risk-based capital ratio | 20.0318% | 1,604 |
| Total risk-based capital ratio | 21.2863% | 1,576 |
| Memoranda: | ||
| Average total assets | $47,596,000 | 5,781 |
| Average earning assets | $43,328,000 | 5,774 |
| Average equity | $5,579,000 | 5,701 |
| Average total loans | $22,610,500 | 5,802 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3448% | 5,631 |
| Cost of funding earning assets | 0.1864% | 5,864 |
| Net interest margin | 3.1584% | 5,047 |
| Noninterest income to average assets | 0.1699% | 5,838 |
| Noninterest expense to average assets | 2.0755% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0419% | 2,204 |
| Return on assets (ROA) | 1.0419% | 2,277 |
| Pretax return on assets | 1.0419% | 3,339 |
| Return on Equity (ROE) | 9.3024% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.5125% | 2,958 |
| Net charge-offs to loans | 0.2349% | 1,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.8627% | 2,689 |
| Efficiency ratio | 66.5781% | 4,138 |
| Assets per employee ($millions) | 6.2910% | 1,188 |
| Cash dividends to net income (ytd only)* | 51.4911% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 1,204 |
| Loan loss allowance to noncurrent loans | 129.9735% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 3,335 |
| Noncurrent loans to loans | 1.4994% | 1,952 |
| Net loans and leases to total assets | 48.9866% | 5,068 |
| Net loans and leases to deposits | 55.5621% | 5,206 |
| Net loans and leases to core deposits | 55.9022% | 5,391 |
| Total domestic deposits to total assets | 88.1656% | 1,676 |
| Equity capital to assets | 10.9522% | 2,946 |
| Core capital (leverage) ratio | 11.0491% | 2,358 |
| Tier 1 risk-based capital ratio | 17.6778% | 2,248 |
| Total risk-based capital ratio | 18.9310% | 2,217 |
| Memoranda: | ||
| Average total assets | $48,277,600 | 5,829 |
| Average earning assets | $45,054,400 | 5,798 |
| Average equity | $5,407,200 | 5,763 |
| Average total loans | $21,706,800 | 5,892 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3392% | 5,692 |
| Cost of funding earning assets | 0.1911% | 5,902 |
| Net interest margin | 3.1480% | 5,124 |
| Noninterest income to average assets | 0.1703% | 5,905 |
| Noninterest expense to average assets | 2.0880% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0244% | 2,350 |
| Return on assets (ROA) | 1.0244% | 2,404 |
| Pretax return on assets | 1.0244% | 3,500 |
| Return on Equity (ROE) | 9.0935% | 2,629 |
| Retained earnings to average equity (ytd only) | 4.1626% | 3,691 |
| Net charge-offs to loans | 0.3262% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.1959% | 2,962 |
| Efficiency ratio | 67.0852% | 4,029 |
| Assets per employee ($millions) | 5.7368% | 1,535 |
| Cash dividends to net income (ytd only)* | 54.2242% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 805 |
| Loan loss allowance to noncurrent loans | 982.0000% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 5,729 |
| Noncurrent loans to loans | 0.2366% | 5,191 |
| Net loans and leases to total assets | 44.9776% | 5,455 |
| Net loans and leases to deposits | 51.6761% | 5,550 |
| Net loans and leases to core deposits | 52.0277% | 5,683 |
| Total domestic deposits to total assets | 87.0375% | 2,301 |
| Equity capital to assets | 12.0081% | 2,051 |
| Core capital (leverage) ratio | 11.5807% | 1,995 |
| Tier 1 risk-based capital ratio | 20.0712% | 1,657 |
| Total risk-based capital ratio | 21.3284% | 1,622 |
| Memoranda: | ||
| Average total assets | $47,765,000 | 5,906 |
| Average earning assets | $44,640,500 | 5,875 |
| Average equity | $5,381,000 | 5,829 |
| Average total loans | $20,847,500 | 5,987 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 5,881 |
| Cost of funding earning assets | 0.1903% | 5,999 |
| Net interest margin | 3.0537% | 5,389 |
| Noninterest income to average assets | 0.1695% | 5,940 |
| Noninterest expense to average assets | 2.1079% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9134% | 2,740 |
| Return on assets (ROA) | 0.9134% | 2,840 |
| Pretax return on assets | 0.9134% | 3,831 |
| Return on Equity (ROE) | 8.2808% | 2,940 |
| Retained earnings to average equity (ytd only) | 3.5221% | 3,960 |
| Net charge-offs to loans | -0.1446% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7674% | 3,694 |
| Assets per employee ($millions) | 5.8993% | 1,355 |
| Cash dividends to net income (ytd only)* | 57.4661% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8824% | 441 |
| Loan loss allowance to noncurrent loans | 1,295.3488% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 5,882 |
| Noncurrent loans to loans | 0.2225% | 5,338 |
| Net loans and leases to total assets | 39.7656% | 5,838 |
| Net loans and leases to deposits | 45.3923% | 5,916 |
| Net loans and leases to core deposits | 45.6896% | 6,006 |
| Total domestic deposits to total assets | 87.6044% | 2,143 |
| Equity capital to assets | 11.5057% | 2,420 |
| Core capital (leverage) ratio | 10.5063% | 2,943 |
| Tier 1 risk-based capital ratio | 20.8354% | 1,478 |
| Total risk-based capital ratio | 22.0964% | 1,452 |
| Memoranda: | ||
| Average total assets | $48,388,670 | 5,938 |
| Average earning assets | $45,191,000 | 5,912 |
| Average equity | $5,337,670 | 5,879 |
| Average total loans | $20,752,330 | 6,041 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1955% | 6,008 |
| Cost of funding earning assets | 0.1844% | 6,123 |
| Net interest margin | 3.0111% | 5,498 |
| Noninterest income to average assets | 0.1715% | 5,944 |
| Noninterest expense to average assets | 2.1557% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8166% | 3,067 |
| Return on assets (ROA) | 0.8166% | 3,139 |
| Pretax return on assets | 0.8166% | 4,045 |
| Return on Equity (ROE) | 7.5593% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.9718% | 2,562 |
| Net charge-offs to loans | -0.1863% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5275% | 3,391 |
| Assets per employee ($millions) | 5.4140% | 1,789 |
| Cash dividends to net income (ytd only)* | 21.0000% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0217% | 423 |
| Loan loss allowance to noncurrent loans | 1,226.6667% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,974 |
| Noncurrent loans to loans | 0.2463% | 5,368 |
| Net loans and leases to total assets | 36.3584% | 6,051 |
| Net loans and leases to deposits | 41.2201% | 6,123 |
| Net loans and leases to core deposits | 41.2201% | 6,191 |
| Total domestic deposits to total assets | 88.2055% | 2,108 |
| Equity capital to assets | 10.9695% | 2,742 |
| Core capital (leverage) ratio | 10.8131% | 2,582 |
| Tier 1 risk-based capital ratio | 21.3053% | 1,419 |
| Total risk-based capital ratio | 22.5666% | 1,389 |
| Memoranda: | ||
| Average total assets | $48,986,000 | 5,988 |
| Average earning assets | $45,564,000 | 5,952 |
| Average equity | $5,291,500 | 5,928 |
| Average total loans | $21,466,500 | 6,070 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3337% | 5,945 |
| Cost of funding earning assets | 0.2365% | 6,052 |
| Net interest margin | 3.0972% | 5,324 |
| Noninterest income to average assets | 0.1491% | 6,194 |
| Noninterest expense to average assets | 2.1695% | 5,697 |
| Loan and lease loss provision to assets | -0.2161% | 6,612 |
| Net operating income to assets | 1.0761% | 2,013 |
| Return on assets (ROA) | 1.0761% | 2,100 |
| Pretax return on assets | 1.0826% | 3,014 |
| Return on Equity (ROE) | 9.5552% | 2,307 |
| Retained earnings to average equity (ytd only) | 2.7246% | 4,296 |
| Net charge-offs to loans | -0.7531% | 6,748 |
| Credit loss provision to net charge-offs | 63.6943% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4591% | 3,576 |
| Assets per employee ($millions) | 5.4718% | 1,678 |
| Cash dividends to net income (ytd only)* | 71.4859% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 1,180 |
| Loan loss allowance to noncurrent loans | 1,062.7451% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 6,019 |
| Noncurrent loans to loans | 0.2068% | 5,567 |
| Net loans and leases to total assets | 48.9847% | 5,196 |
| Net loans and leases to deposits | 55.4182% | 5,357 |
| Net loans and leases to core deposits | 55.4182% | 5,585 |
| Total domestic deposits to total assets | 88.3909% | 1,956 |
| Equity capital to assets | 10.6364% | 2,996 |
| Core capital (leverage) ratio | 10.5773% | 2,811 |
| Tier 1 risk-based capital ratio | 17.2739% | 2,503 |
| Total risk-based capital ratio | 18.5289% | 2,472 |
| Memoranda: | ||
| Average total assets | $46,278,000 | 6,110 |
| Average earning assets | $43,135,200 | 6,075 |
| Average equity | $5,211,800 | 6,016 |
| Average total loans | $20,847,400 | 6,155 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2691% | 6,108 |
| Cost of funding earning assets | 0.2507% | 6,076 |
| Net interest margin | 3.0184% | 5,549 |
| Noninterest income to average assets | 0.2430% | 5,697 |
| Noninterest expense to average assets | 2.2194% | 5,557 |
| Loan and lease loss provision to assets | -0.1464% | 6,672 |
| Net operating income to assets | 0.9809% | 2,463 |
| Return on assets (ROA) | 0.9809% | 2,566 |
| Pretax return on assets | 0.9897% | 3,540 |
| Return on Equity (ROE) | 8.5810% | 2,849 |
| Retained earnings to average equity (ytd only) | 1.0503% | 5,555 |
| Net charge-offs to loans | -1.0455% | 6,834 |
| Credit loss provision to net charge-offs | 32.0513% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4665% | 3,321 |
| Assets per employee ($millions) | 5.1524% | 1,987 |
| Cash dividends to net income (ytd only)* | 87.7603% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0615% | 510 |
| Loan loss allowance to noncurrent loans | 1,115.0943% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 5,284 |
| Noncurrent loans to loans | 0.2746% | 5,548 |
| Net loans and leases to total assets | 40.3541% | 6,008 |
| Net loans and leases to deposits | 45.8708% | 6,108 |
| Net loans and leases to core deposits | 45.8708% | 6,217 |
| Total domestic deposits to total assets | 87.9733% | 2,148 |
| Equity capital to assets | 11.1403% | 2,629 |
| Core capital (leverage) ratio | 10.9382% | 2,541 |
| Tier 1 risk-based capital ratio | 20.2146% | 1,679 |
| Total risk-based capital ratio | 21.4760% | 1,654 |
| Memoranda: | ||
| Average total assets | $45,536,000 | 6,206 |
| Average earning assets | $42,538,500 | 6,164 |
| Average equity | $5,205,250 | 6,088 |
| Average total loans | $19,893,000 | 6,274 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2530% | 6,156 |
| Cost of funding earning assets | 0.2652% | 6,076 |
| Net interest margin | 2.9878% | 5,588 |
| Noninterest income to average assets | 0.1856% | 6,098 |
| Noninterest expense to average assets | 2.2007% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7689% | 3,472 |
| Return on assets (ROA) | 0.7689% | 3,632 |
| Pretax return on assets | 0.7734% | 4,416 |
| Return on Equity (ROE) | 6.6688% | 3,793 |
| Retained earnings to average equity (ytd only) | -1.0731% | 6,064 |
| Net charge-offs to loans | -1.5929% | 6,889 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9970% | 3,131 |
| Assets per employee ($millions) | 4.8964% | 2,230 |
| Cash dividends to net income (ytd only)* | 116.0920% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5559% | 353 |
| Loan loss allowance to noncurrent loans | 908.4507% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 5,112 |
| Noncurrent loans to loans | 0.3914% | 5,294 |
| Net loans and leases to total assets | 39.6977% | 6,066 |
| Net loans and leases to deposits | 45.2778% | 6,153 |
| Net loans and leases to core deposits | 45.2778% | 6,267 |
| Total domestic deposits to total assets | 87.6759% | 2,454 |
| Equity capital to assets | 11.4278% | 2,356 |
| Core capital (leverage) ratio | 11.0372% | 2,320 |
| Tier 1 risk-based capital ratio | 21.2337% | 1,440 |
| Total risk-based capital ratio | 22.5017% | 1,407 |
| Memoranda: | ||
| Average total assets | $45,257,330 | 6,255 |
| Average earning assets | $42,238,330 | 6,214 |
| Average equity | $5,218,330 | 6,122 |
| Average total loans | $20,089,330 | 6,297 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 6,079 |
| Cost of funding earning assets | 0.2803% | 6,105 |
| Net interest margin | 3.0548% | 5,412 |
| Noninterest income to average assets | 0.1745% | 6,213 |
| Noninterest expense to average assets | 2.2507% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7764% | 3,300 |
| Return on assets (ROA) | 0.7764% | 3,435 |
| Pretax return on assets | 0.7764% | 4,269 |
| Return on Equity (ROE) | 6.7050% | 3,654 |
| Retained earnings to average equity (ytd only) | -6.1023% | 6,425 |
| Net charge-offs to loans | -3.0383% | 6,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3516% | 3,202 |
| Assets per employee ($millions) | 5.1726% | 2,011 |
| Cash dividends to net income (ytd only)* | 191.0112% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9181% | 307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 5,708 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 33.9763% | 6,421 |
| Net loans and leases to deposits | 38.7843% | 6,473 |
| Net loans and leases to core deposits | 38.7843% | 6,533 |
| Total domestic deposits to total assets | 87.6034% | 2,570 |
| Equity capital to assets | 11.3054% | 2,630 |
| Core capital (leverage) ratio | 10.7576% | 2,491 |
| Tier 1 risk-based capital ratio | 21.8866% | 1,351 |
| Total risk-based capital ratio | 23.1507% | 1,321 |
| Memoranda: | ||
| Average total assets | $45,852,000 | 6,292 |
| Average earning assets | $42,818,000 | 6,251 |
| Average equity | $5,309,500 | 6,159 |
| Average total loans | $21,064,500 | 6,309 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 5,583 |
| Cost of funding earning assets | 0.3531% | 6,190 |
| Net interest margin | 3.5437% | 4,326 |
| Noninterest income to average assets | 0.1964% | 6,012 |
| Noninterest expense to average assets | 2.4012% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0631% | 2,076 |
| Return on assets (ROA) | 1.0631% | 2,264 |
| Pretax return on assets | 1.0654% | 3,287 |
| Return on Equity (ROE) | 8.6917% | 2,793 |
| Retained earnings to average equity (ytd only) | 1.9273% | 4,861 |
| Net charge-offs to loans | -0.0972% | 6,820 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2667% | 3,932 |
| Assets per employee ($millions) | 5.0168% | 2,206 |
| Cash dividends to net income (ytd only)* | 77.8261% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 2,322 |
| Loan loss allowance to noncurrent loans | 2,020.8333% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 5,637 |
| Noncurrent loans to loans | 0.0935% | 6,253 |
| Net loans and leases to total assets | 55.7729% | 4,333 |
| Net loans and leases to deposits | 66.4591% | 4,214 |
| Net loans and leases to core deposits | 66.4591% | 4,694 |
| Total domestic deposits to total assets | 83.9206% | 4,355 |
| Equity capital to assets | 11.8624% | 2,137 |
| Core capital (leverage) ratio | 11.3086% | 2,007 |
| Tier 1 risk-based capital ratio | 16.7978% | 2,745 |
| Total risk-based capital ratio | 18.0522% | 2,709 |
| Memoranda: | ||
| Average total assets | $43,269,800 | 6,387 |
| Average earning assets | $39,930,200 | 6,365 |
| Average equity | $5,292,400 | 6,211 |
| Average total loans | $22,627,200 | 6,317 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 5,772 |
| Cost of funding earning assets | 0.3644% | 6,307 |
| Net interest margin | 3.5425% | 4,479 |
| Noninterest income to average assets | 0.2025% | 6,079 |
| Noninterest expense to average assets | 2.5015% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9688% | 2,663 |
| Return on assets (ROA) | 0.9688% | 2,881 |
| Pretax return on assets | 0.9720% | 3,816 |
| Return on Equity (ROE) | 7.8586% | 3,346 |
| Retained earnings to average equity (ytd only) | 1.3391% | 5,637 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0179% | 3,327 |
| Assets per employee ($millions) | 5.0440% | 2,127 |
| Cash dividends to net income (ytd only)* | 82.9571% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 1,966 |
| Loan loss allowance to noncurrent loans | 1,653.5714% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 5,640 |
| Noncurrent loans to loans | 0.1255% | 6,295 |
| Net loans and leases to total assets | 48.1452% | 5,529 |
| Net loans and leases to deposits | 55.1780% | 5,702 |
| Net loans and leases to core deposits | 55.1780% | 5,949 |
| Total domestic deposits to total assets | 87.2544% | 2,527 |
| Equity capital to assets | 11.8094% | 2,421 |
| Core capital (leverage) ratio | 12.0695% | 1,613 |
| Tier 1 risk-based capital ratio | 18.2551% | 2,250 |
| Total risk-based capital ratio | 19.5087% | 2,228 |
| Memoranda: | ||
| Average total assets | $42,799,500 | 6,477 |
| Average earning assets | $39,518,750 | 6,451 |
| Average equity | $5,276,500 | 6,283 |
| Average total loans | $21,867,250 | 6,430 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 5,824 |
| Cost of funding earning assets | 0.3863% | 6,347 |
| Net interest margin | 3.5488% | 4,469 |
| Noninterest income to average assets | 0.2099% | 6,060 |
| Noninterest expense to average assets | 2.5373% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9539% | 2,649 |
| Return on assets (ROA) | 0.9539% | 2,897 |
| Pretax return on assets | 0.9586% | 3,856 |
| Return on Equity (ROE) | 7.6215% | 3,435 |
| Retained earnings to average equity (ytd only) | -0.4954% | 6,122 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5784% | 3,329 |
| Assets per employee ($millions) | 4.0798% | 3,699 |
| Cash dividends to net income (ytd only)* | 106.5000% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 1,790 |
| Loan loss allowance to noncurrent loans | 2,893.7500% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 5,362 |
| Noncurrent loans to loans | 0.0757% | 6,473 |
| Net loans and leases to total assets | 50.6544% | 5,270 |
| Net loans and leases to deposits | 58.8356% | 5,363 |
| Net loans and leases to core deposits | 58.8356% | 5,708 |
| Total domestic deposits to total assets | 86.0949% | 3,308 |
| Equity capital to assets | 12.9345% | 1,550 |
| Core capital (leverage) ratio | 11.6748% | 1,797 |
| Tier 1 risk-based capital ratio | 19.4198% | 1,871 |
| Total risk-based capital ratio | 20.6776% | 1,836 |
| Memoranda: | ||
| Average total assets | $41,934,000 | 6,551 |
| Average earning assets | $38,830,330 | 6,515 |
| Average equity | $5,248,330 | 6,319 |
| Average total loans | $21,716,670 | 6,483 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 6,174 |
| Cost of funding earning assets | 0.3744% | 6,530 |
| Net interest margin | 3.4604% | 4,875 |
| Noninterest income to average assets | 0.2070% | 6,146 |
| Noninterest expense to average assets | 2.6352% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7906% | 3,419 |
| Return on assets (ROA) | 0.7906% | 3,665 |
| Pretax return on assets | 0.7906% | 4,447 |
| Return on Equity (ROE) | 6.4196% | 4,078 |
| Retained earnings to average equity (ytd only) | -3.5155% | 6,448 |
| Net charge-offs to loans | -0.0182% | 6,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9231% | 2,659 |
| Assets per employee ($millions) | 4.6660% | 2,712 |
| Cash dividends to net income (ytd only)* | 154.7619% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4068% | 1,494 |
| Loan loss allowance to noncurrent loans | 1,079.0698% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 5,643 |
| Noncurrent loans to loans | 0.2230% | 6,242 |
| Net loans and leases to total assets | 44.8040% | 5,914 |
| Net loans and leases to deposits | 51.8634% | 5,981 |
| Net loans and leases to core deposits | 51.8634% | 6,219 |
| Total domestic deposits to total assets | 86.3885% | 3,312 |
| Equity capital to assets | 12.4137% | 1,780 |
| Core capital (leverage) ratio | 11.5993% | 1,835 |
| Tier 1 risk-based capital ratio | 20.3651% | 1,628 |
| Total risk-based capital ratio | 21.6274% | 1,594 |
| Memoranda: | ||
| Average total assets | $42,502,000 | 6,584 |
| Average earning assets | $39,532,500 | 6,542 |
| Average equity | $5,234,000 | 6,352 |
| Average total loans | $22,010,500 | 6,512 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 4,695 |
| Cost of funding earning assets | 0.5260% | 6,434 |
| Net interest margin | 4.0695% | 2,569 |
| Noninterest income to average assets | 0.4236% | 4,420 |
| Noninterest expense to average assets | 2.6489% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5606% | 732 |
| Return on assets (ROA) | 1.5606% | 785 |
| Pretax return on assets | 1.5606% | 1,311 |
| Return on Equity (ROE) | 12.8051% | 1,203 |
| Retained earnings to average equity (ytd only) | 7.4913% | 1,279 |
| Net charge-offs to loans | 0.1024% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 26.7083% | 930 |
| Efficiency ratio | 62.9265% | 5,314 |
| Assets per employee ($millions) | 4.7789% | 2,476 |
| Cash dividends to net income (ytd only)* | 41.4977% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 2,654 |
| Loan loss allowance to noncurrent loans | 1,006.5217% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,638 |
| Noncurrent loans to loans | 0.1859% | 6,373 |
| Net loans and leases to total assets | 56.4497% | 4,630 |
| Net loans and leases to deposits | 66.6969% | 4,638 |
| Net loans and leases to core deposits | 66.6969% | 5,187 |
| Total domestic deposits to total assets | 84.6361% | 4,028 |
| Equity capital to assets | 12.2181% | 1,961 |
| Core capital (leverage) ratio | 11.5417% | 1,856 |
| Tier 1 risk-based capital ratio | 17.1174% | 2,544 |
| Total risk-based capital ratio | 18.3704% | 2,507 |
| Memoranda: | ||
| Average total assets | $41,074,400 | 6,636 |
| Average earning assets | $38,211,200 | 6,596 |
| Average equity | $5,005,800 | 6,447 |
| Average total loans | $23,445,800 | 6,490 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7131% | 4,393 |
| Cost of funding earning assets | 0.5661% | 6,443 |
| Net interest margin | 4.1470% | 2,285 |
| Noninterest income to average assets | 0.4927% | 3,926 |
| Noninterest expense to average assets | 2.7165% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6259% | 743 |
| Return on assets (ROA) | 1.6259% | 815 |
| Pretax return on assets | 1.6259% | 1,316 |
| Return on Equity (ROE) | 13.3505% | 1,195 |
| Retained earnings to average equity (ytd only) | 10.2219% | 785 |
| Net charge-offs to loans | 0.2076% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 13.7496% | 1,592 |
| Efficiency ratio | 62.5567% | 5,321 |
| Assets per employee ($millions) | 4.5514% | 2,842 |
| Cash dividends to net income (ytd only)* | 23.4340% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 2,090 |
| 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 | 51.6246% | 5,490 |
| Net loans and leases to deposits | 60.0221% | 5,626 |
| Net loans and leases to core deposits | 60.4649% | 5,948 |
| Total domestic deposits to total assets | 86.0093% | 3,211 |
| Equity capital to assets | 12.8994% | 1,667 |
| Core capital (leverage) ratio | 11.8479% | 1,796 |
| Tier 1 risk-based capital ratio | 19.2512% | 1,868 |
| Total risk-based capital ratio | 20.5056% | 1,834 |
| Memoranda: | ||
| Average total assets | $40,590,500 | 6,710 |
| Average earning assets | $37,681,250 | 6,671 |
| Average equity | $4,943,500 | 6,515 |
| Average total loans | $23,121,750 | 6,571 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 4,614 |
| Cost of funding earning assets | 0.5952% | 6,484 |
| Net interest margin | 4.0865% | 2,458 |
| Noninterest income to average assets | 0.6178% | 3,015 |
| Noninterest expense to average assets | 2.7776% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6409% | 682 |
| Return on assets (ROA) | 1.6409% | 724 |
| Pretax return on assets | 1.6409% | 1,176 |
| Return on Equity (ROE) | 13.7474% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.9441% | 1,125 |
| Net charge-offs to loans | 0.2962% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.4857% | 1,917 |
| Efficiency ratio | 62.8635% | 5,423 |
| Assets per employee ($millions) | 4.5042% | 2,825 |
| Cash dividends to net income (ytd only)* | 34.9398% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0192% | 2,318 |
| 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 | 54.1048% | 5,282 |
| Net loans and leases to deposits | 62.8543% | 5,406 |
| Net loans and leases to core deposits | 63.3206% | 5,791 |
| Total domestic deposits to total assets | 86.0797% | 3,282 |
| Equity capital to assets | 12.5241% | 1,767 |
| Core capital (leverage) ratio | 11.4730% | 1,928 |
| Tier 1 risk-based capital ratio | 18.1661% | 2,117 |
| Total risk-based capital ratio | 19.4235% | 2,070 |
| Memoranda: | ||
| Average total assets | $40,466,330 | 6,771 |
| Average earning assets | $37,635,670 | 6,733 |
| Average equity | $4,830,000 | 6,585 |
| Average total loans | $23,629,670 | 6,609 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 4,587 |
| Cost of funding earning assets | 0.6176% | 6,535 |
| Net interest margin | 4.0679% | 2,398 |
| Noninterest income to average assets | 0.6035% | 3,134 |
| Noninterest expense to average assets | 2.9285% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4543% | 980 |
| Return on assets (ROA) | 1.4543% | 1,014 |
| Pretax return on assets | 1.4543% | 1,587 |
| Return on Equity (ROE) | 12.4934% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.4592% | 2,390 |
| Net charge-offs to loans | -0.0165% | 6,507 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8172% | 4,897 |
| Assets per employee ($millions) | 4.0891% | 3,663 |
| Cash dividends to net income (ytd only)* | 48.2993% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1650% | 2,042 |
| Loan loss allowance to noncurrent loans | 1,161.9048% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 6,273 |
| Noncurrent loans to loans | 0.1863% | 6,596 |
| Net loans and leases to total assets | 53.9287% | 5,311 |
| Net loans and leases to deposits | 61.9769% | 5,496 |
| Net loans and leases to core deposits | 63.7415% | 5,757 |
| Total domestic deposits to total assets | 87.0143% | 2,927 |
| Equity capital to assets | 11.6407% | 2,168 |
| Core capital (leverage) ratio | 11.3886% | 1,914 |
| Tier 1 risk-based capital ratio | 17.2394% | 2,396 |
| Total risk-based capital ratio | 18.4972% | 2,368 |
| Memoranda: | ||
| Average total assets | $40,430,500 | 6,816 |
| Average earning assets | $37,562,500 | 6,783 |
| Average equity | $4,706,500 | 6,651 |
| Average total loans | $24,252,000 | 6,631 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5280% | 2,169 |
| Cost of funding earning assets | 0.9603% | 5,885 |
| Net interest margin | 4.5677% | 1,084 |
| Noninterest income to average assets | 0.3082% | 5,594 |
| Noninterest expense to average assets | 3.1270% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0680% | 1,814 |
| Return on assets (ROA) | 1.0680% | 1,903 |
| Pretax return on assets | 1.0733% | 2,689 |
| Return on Equity (ROE) | 8.7490% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.8567% | 1,027 |
| Net charge-offs to loans | 0.9465% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 1.7265% | 4,425 |
| Efficiency ratio | 74.4466% | 3,309 |
| Assets per employee ($millions) | 3.6336% | 4,623 |
| Cash dividends to net income (ytd only)* | 10.1990% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 2,627 |
| Loan loss allowance to noncurrent loans | 12,175.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 5,553 |
| Noncurrent loans to loans | 0.0154% | 7,113 |
| Net loans and leases to total assets | 63.7403% | 3,930 |
| Net loans and leases to deposits | 73.4229% | 4,294 |
| Net loans and leases to core deposits | 75.5658% | 4,774 |
| Total domestic deposits to total assets | 86.8126% | 2,924 |
| Equity capital to assets | 11.6412% | 2,165 |
| Core capital (leverage) ratio | 11.3239% | 1,940 |
| Tier 1 risk-based capital ratio | 15.3519% | 3,072 |
| Total risk-based capital ratio | 16.6069% | 3,027 |
| Memoranda: | ||
| Average total assets | $37,639,400 | 6,952 |
| Average earning assets | $32,073,200 | 7,016 |
| Average equity | $4,594,800 | 6,791 |
| Average total loans | $24,722,200 | 6,690 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7858% | 1,441 |
| Cost of funding earning assets | 1.0437% | 5,723 |
| Net interest margin | 4.7421% | 759 |
| Noninterest income to average assets | 0.3130% | 5,651 |
| Noninterest expense to average assets | 3.1986% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0470% | 2,080 |
| Return on assets (ROA) | 1.0470% | 2,189 |
| Pretax return on assets | 1.0542% | 2,984 |
| Return on Equity (ROE) | 8.4709% | 2,699 |
| Retained earnings to average equity (ytd only) | 7.2483% | 1,728 |
| Net charge-offs to loans | 1.8788% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.8517% | 5,200 |
| Efficiency ratio | 75.2115% | 3,102 |
| Assets per employee ($millions) | 3.5531% | 4,843 |
| Cash dividends to net income (ytd only)* | 14.4334% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 3,771 |
| Loan loss allowance to noncurrent loans | 1,047.2222% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,896 |
| Noncurrent loans to loans | 0.1471% | 6,883 |
| Net loans and leases to total assets | 61.6723% | 4,595 |
| Net loans and leases to deposits | 71.3664% | 4,933 |
| Net loans and leases to core deposits | 71.9458% | 5,519 |
| Total domestic deposits to total assets | 86.4164% | 2,843 |
| Equity capital to assets | 12.1175% | 2,081 |
| Core capital (leverage) ratio | 12.1726% | 1,575 |
| Tier 1 risk-based capital ratio | 15.6928% | 2,905 |
| Total risk-based capital ratio | 16.9449% | 2,868 |
| Memoranda: | ||
| Average total assets | $37,056,750 | 7,050 |
| Average earning assets | $30,787,250 | 7,143 |
| Average equity | $4,580,250 | 6,881 |
| Average total loans | $24,411,750 | 6,796 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7439% | 1,579 |
| Cost of funding earning assets | 1.0688% | 5,826 |
| Net interest margin | 4.6751% | 854 |
| Noninterest income to average assets | 0.3243% | 5,558 |
| Noninterest expense to average assets | 3.2764% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9675% | 2,308 |
| Return on assets (ROA) | 0.9675% | 2,393 |
| Pretax return on assets | 0.9675% | 3,248 |
| Return on Equity (ROE) | 7.7733% | 2,976 |
| Retained earnings to average equity (ytd only) | 5.9183% | 2,375 |
| Net charge-offs to loans | 3.1326% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.4607% | 5,251 |
| Efficiency ratio | 77.2021% | 2,859 |
| Assets per employee ($millions) | 3.2484% | 5,558 |
| Cash dividends to net income (ytd only)* | 23.8636% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 3,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 6,045 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 62.8792% | 4,494 |
| Net loans and leases to deposits | 73.0714% | 4,821 |
| Net loans and leases to core deposits | 73.7212% | 5,476 |
| Total domestic deposits to total assets | 86.0517% | 3,047 |
| Equity capital to assets | 12.8344% | 1,638 |
| Core capital (leverage) ratio | 12.3539% | 1,470 |
| Tier 1 risk-based capital ratio | 16.4479% | 2,493 |
| Total risk-based capital ratio | 17.6970% | 2,443 |
| Memoranda: | ||
| Average total assets | $36,381,000 | 7,129 |
| Average earning assets | $30,502,000 | 7,211 |
| Average equity | $4,528,330 | 6,928 |
| Average total loans | $24,388,670 | 6,837 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7821% | 1,514 |
| Cost of funding earning assets | 1.0211% | 6,275 |
| Net interest margin | 4.7610% | 687 |
| Noninterest income to average assets | 0.3160% | 5,620 |
| Noninterest expense to average assets | 3.2911% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0898% | 1,864 |
| Return on assets (ROA) | 1.0898% | 1,945 |
| Pretax return on assets | 1.0898% | 2,772 |
| Return on Equity (ROE) | 8.8899% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.8899% | 1,427 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1244% | 3,374 |
| Assets per employee ($millions) | 2.8899% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1533% | 724 |
| Loan loss allowance to noncurrent loans | 248.6207% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 1.4274% | 4,369 |
| Noncurrent loans to loans | 1.2683% | 4,864 |
| Net loans and leases to total assets | 63.8542% | 4,361 |
| Net loans and leases to deposits | 74.3736% | 4,686 |
| Net loans and leases to core deposits | 75.0517% | 5,381 |
| Total domestic deposits to total assets | 85.8560% | 3,229 |
| Equity capital to assets | 13.1030% | 1,483 |
| Core capital (leverage) ratio | 12.2739% | 1,505 |
| Tier 1 risk-based capital ratio | 16.6362% | 2,395 |
| Total risk-based capital ratio | 17.9056% | 2,343 |
| Memoranda: | ||
| Average total assets | $36,705,500 | 7,210 |
| Average earning assets | $31,338,000 | 7,271 |
| Average equity | $4,499,500 | 7,004 |
| Average total loans | $25,179,500 | 6,870 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5059% | 4,112 |
| Cost of funding earning assets | 1.2291% | 6,553 |
| Net interest margin | 4.2768% | 1,793 |
| Noninterest income to average assets | 0.9569% | 1,720 |
| Noninterest expense to average assets | 4.2271% | 1,058 |
| Loan and lease loss provision to assets | -0.4021% | 8,007 |
| Net operating income to assets | 0.2439% | 4,743 |
| Return on assets (ROA) | 0.2439% | 4,824 |
| Pretax return on assets | 1.0025% | 2,582 |
| Return on Equity (ROE) | 2.1049% | 4,859 |
| Retained earnings to average equity (ytd only) | -0.6245% | 5,146 |
| Net charge-offs to loans | -0.0742% | 7,869 |
| Credit loss provision to net charge-offs | 833.3333% | 347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5625% | 1,924 |
| Assets per employee ($millions) | 3.2277% | 5,655 |
| Cash dividends to net income (ytd only)* | 129.6703% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6224% | 1,103 |
| Loan loss allowance to noncurrent loans | 252.9825% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 4,557 |
| Noncurrent loans to loans | 1.0366% | 5,242 |
| Net loans and leases to total assets | 69.1237% | 3,455 |
| Net loans and leases to deposits | 82.0100% | 3,612 |
| Net loans and leases to core deposits | 92.9586% | 4,785 |
| Total domestic deposits to total assets | 84.2869% | 3,902 |
| Equity capital to assets | 11.5021% | 2,319 |
| Core capital (leverage) ratio | 11.4722% | 1,932 |
| Tier 1 risk-based capital ratio | 13.8204% | 3,621 |
| Total risk-based capital ratio | 15.0844% | 3,548 |
| Memoranda: | ||
| Average total assets | $37,307,200 | 7,198 |
| Average earning assets | $33,763,800 | 7,198 |
| Average equity | $4,323,200 | 7,166 |
| Average total loans | $24,271,400 | 6,955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 3,761 |
| Cost of funding earning assets | 1.2892% | 6,586 |
| Net interest margin | 4.3278% | 1,651 |
| Noninterest income to average assets | 1.1727% | 1,138 |
| Noninterest expense to average assets | 3.3738% | 2,655 |
| Loan and lease loss provision to assets | -0.5413% | 8,092 |
| Net operating income to assets | 1.2557% | 1,329 |
| Return on assets (ROA) | 1.2557% | 1,391 |
| Pretax return on assets | 2.2768% | 297 |
| Return on Equity (ROE) | 10.8150% | 1,672 |
| Retained earnings to average equity (ytd only) | 9.1368% | 809 |
| Net charge-offs to loans | -0.1023% | 7,923 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0311% | 5,358 |
| Assets per employee ($millions) | 3.0803% | 5,960 |
| Cash dividends to net income (ytd only)* | 15.5176% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0691% | 635 |
| Loan loss allowance to noncurrent loans | 266.0517% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 1.2877% | 4,500 |
| Noncurrent loans to loans | 1.1536% | 5,012 |
| Net loans and leases to total assets | 61.6032% | 5,310 |
| Net loans and leases to deposits | 71.7219% | 5,693 |
| Net loans and leases to core deposits | 83.8309% | 6,050 |
| Total domestic deposits to total assets | 85.8917% | 2,752 |
| Equity capital to assets | 12.1605% | 2,149 |
| Core capital (leverage) ratio | 12.3832% | 1,625 |
| Tier 1 risk-based capital ratio | 16.7311% | 2,352 |
| Total risk-based capital ratio | 17.9977% | 2,299 |
| Memoranda: | ||
| Average total assets | $36,951,000 | 7,277 |
| Average earning assets | $33,611,500 | 7,267 |
| Average equity | $4,290,250 | 7,251 |
| Average total loans | $23,465,750 | 7,065 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6800% | 3,661 |
| Cost of funding earning assets | 1.3312% | 6,704 |
| Net interest margin | 4.3487% | 1,528 |
| Noninterest income to average assets | 1.5644% | 611 |
| Noninterest expense to average assets | 2.9502% | 4,289 |
| Loan and lease loss provision to assets | -1.3533% | 8,194 |
| Net operating income to assets | 2.4359% | 120 |
| Return on assets (ROA) | 2.4359% | 132 |
| Pretax return on assets | 3.9462% | 54 |
| Return on Equity (ROE) | 21.3169% | 269 |
| Retained earnings to average equity (ytd only) | 18.7589% | 94 |
| Net charge-offs to loans | -0.0085% | 7,587 |
| Credit loss provision to net charge-offs | 25,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2227% | 7,407 |
| Assets per employee ($millions) | 2.8817% | 6,443 |
| Cash dividends to net income (ytd only)* | 12.0000% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5909% | 833 |
| Loan loss allowance to noncurrent loans | 339.3258% | 932 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 4,930 |
| Noncurrent loans to loans | 0.7636% | 5,714 |
| Net loans and leases to total assets | 60.6161% | 5,582 |
| Net loans and leases to deposits | 70.4648% | 5,934 |
| Net loans and leases to core deposits | 80.1270% | 6,397 |
| Total domestic deposits to total assets | 86.0232% | 2,781 |
| Equity capital to assets | 11.8840% | 2,270 |
| Core capital (leverage) ratio | 12.6219% | 1,571 |
| Tier 1 risk-based capital ratio | 17.0350% | 2,292 |
| Total risk-based capital ratio | 18.2965% | 2,236 |
| Memoranda: | ||
| Average total assets | $36,946,670 | 7,339 |
| Average earning assets | $33,803,000 | 7,327 |
| Average equity | $4,222,000 | 7,330 |
| Average total loans | $23,457,000 | 7,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7549% | 3,505 |
| Cost of funding earning assets | 1.3769% | 6,793 |
| Net interest margin | 4.3780% | 1,401 |
| Noninterest income to average assets | 0.2290% | 6,628 |
| Noninterest expense to average assets | 2.9655% | 3,912 |
| Loan and lease loss provision to assets | -2.7256% | 8,246 |
| Net operating income to assets | 1.0139% | 2,251 |
| Return on assets (ROA) | 1.0139% | 2,393 |
| Pretax return on assets | 4.0448% | 58 |
| Return on Equity (ROE) | 9.0577% | 2,690 |
| Retained earnings to average equity (ytd only) | 9.0577% | 1,462 |
| Net charge-offs to loans | -0.0170% | 7,395 |
| Credit loss provision to net charge-offs | 25,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2112% | 4,738 |
| Assets per employee ($millions) | 2.8578% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7119% | 620 |
| Loan loss allowance to noncurrent loans | 4,321.4286% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 5,728 |
| Noncurrent loans to loans | 0.0628% | 7,351 |
| Net loans and leases to total assets | 58.4210% | 5,875 |
| Net loans and leases to deposits | 67.3264% | 6,241 |
| Net loans and leases to core deposits | 76.6926% | 6,632 |
| Total domestic deposits to total assets | 86.7729% | 2,325 |
| Equity capital to assets | 11.0576% | 2,913 |
| Core capital (leverage) ratio | 10.6577% | 2,779 |
| Tier 1 risk-based capital ratio | 14.8729% | 3,125 |
| Total risk-based capital ratio | 16.1360% | 3,047 |
| Memoranda: | ||
| Average total assets | $36,689,000 | 7,392 |
| Average earning assets | $33,988,500 | 7,354 |
| Average equity | $4,107,000 | 7,412 |
| Average total loans | $23,529,500 | 7,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9584% | 1,242 |
| Cost of funding earning assets | 2.0636% | 6,186 |
| Net interest margin | 4.8947% | 639 |
| Noninterest income to average assets | 0.1700% | 7,207 |
| Noninterest expense to average assets | 3.8192% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4716% | 4,860 |
| Return on assets (ROA) | 0.4716% | 4,679 |
| Pretax return on assets | 0.7924% | 4,104 |
| Return on Equity (ROE) | 4.1408% | 4,765 |
| Retained earnings to average equity (ytd only) | 1.5889% | 4,262 |
| Net charge-offs to loans | -0.2839% | 8,193 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8181% | 2,202 |
| Assets per employee ($millions) | 2.7867% | 6,587 |
| Cash dividends to net income (ytd only)* | 61.6279% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4465% | 295 |
| Loan loss allowance to noncurrent loans | 422.2772% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 5,510 |
| Noncurrent loans to loans | 0.8162% | 5,005 |
| Net loans and leases to total assets | 65.9646% | 4,849 |
| Net loans and leases to deposits | 76.4386% | 5,540 |
| Net loans and leases to core deposits | 86.2863% | 6,115 |
| Total domestic deposits to total assets | 86.2975% | 2,262 |
| Equity capital to assets | 11.3341% | 2,763 |
| Core capital (leverage) ratio | 11.5031% | 2,254 |
| Tier 1 risk-based capital ratio | 15.2585% | 2,932 |
| Total risk-based capital ratio | 16.5280% | 2,860 |
| Memoranda: | ||
| Average total assets | $36,473,600 | 7,363 |
| Average earning assets | $33,096,800 | 7,372 |
| Average equity | $4,153,800 | 7,447 |
| Average total loans | $23,250,200 | 7,125 |