Home > State Bank of Jeffers > Performance and Condition Ratios
State Bank of Jeffers, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 2,563 |
| Cost of funding earning assets | 0.5550% | 4,135 |
| Net interest margin | 4.1998% | 933 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.8492% | 3,918 |
| Loan and lease loss provision to assets | 1.2200% | 52 |
| Net operating income to assets | 0.5810% | 3,492 |
| Return on assets (ROA) | 0.6164% | 3,386 |
| Pretax return on assets | 0.9509% | 2,812 |
| Return on Equity (ROE) | 5.7400% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.7600% | 2,689 |
| Net charge-offs to loans | 2.0825% | 44 |
| Credit loss provision to net charge-offs | 123.6702% | 1,645 |
| Earnings coverage of net charge-offs (x) | 2.1516% | 2,718 |
| Efficiency ratio | 46.4593% | 4,178 |
| Assets per employee ($millions) | 7.1794% | 1,955 |
| Cash dividends to net income (ytd only)* | 17.0940% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,470 |
| Loan loss allowance to noncurrent loans | 643.9024% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 2,771 |
| Noncurrent loans to loans | 0.2141% | 2,453 |
| Net loans and leases to total assets | 52.6200% | 3,446 |
| Net loans and leases to deposits | 59.7035% | 3,543 |
| Net loans and leases to core deposits | 61.1908% | 3,718 |
| Total domestic deposits to total assets | 88.1400% | 1,299 |
| Equity capital to assets | 11.3881% | 1,332 |
| Core capital (leverage) ratio | 11.4286% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2190% | 1,794 |
| Memoranda: | ||
| Average total assets | $37,962,400 | 4,412 |
| Average earning assets | $34,954,400 | 4,384 |
| Average equity | $4,075,600 | 4,351 |
| Average total loans | $18,054,800 | 4,321 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 2,734 |
| Cost of funding earning assets | 0.5006% | 4,135 |
| Net interest margin | 4.0760% | 1,104 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.6553% | 4,182 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.2859% | 333 |
| Return on assets (ROA) | 2.3395% | 303 |
| Pretax return on assets | 2.4052% | 424 |
| Return on Equity (ROE) | 21.3800% | 605 |
| Retained earnings to average equity (ytd only) | 21.3808% | 216 |
| Net charge-offs to loans | 0.0075% | 2,144 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 684.0000% | 232 |
| Efficiency ratio | 41.1866% | 4,323 |
| Assets per employee ($millions) | 7.4676% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,544 |
| Loan loss allowance to noncurrent loans | 48.1081% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 533 |
| Noncurrent loans to loans | 1.9837% | 310 |
| Net loans and leases to total assets | 49.4800% | 3,655 |
| Net loans and leases to deposits | 56.5438% | 3,681 |
| Net loans and leases to core deposits | 57.4226% | 3,798 |
| Total domestic deposits to total assets | 87.5000% | 1,736 |
| Equity capital to assets | 12.2422% | 980 |
| Core capital (leverage) ratio | 12.0084% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7878% | 846 |
| Memoranda: | ||
| Average total assets | $38,582,750 | 4,420 |
| Average earning assets | $35,425,750 | 4,400 |
| Average equity | $4,221,750 | 4,345 |
| Average total loans | $17,863,750 | 4,344 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 2,890 |
| Cost of funding earning assets | 0.4239% | 4,129 |
| Net interest margin | 3.9731% | 1,288 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.6616% | 4,194 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 2.2118% | 351 |
| Return on assets (ROA) | 2.2565% | 318 |
| Pretax return on assets | 2.3181% | 453 |
| Return on Equity (ROE) | 21.4400% | 586 |
| Retained earnings to average equity (ytd only) | 21.4355% | 204 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.0233% | 4,338 |
| Assets per employee ($millions) | 6.5095% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,198 |
| Loan loss allowance to noncurrent loans | 1,278.5714% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,426 |
| Noncurrent loans to loans | 0.0821% | 3,101 |
| Net loans and leases to total assets | 43.2200% | 3,915 |
| Net loans and leases to deposits | 48.7342% | 3,962 |
| Net loans and leases to core deposits | 49.4479% | 4,034 |
| Total domestic deposits to total assets | 88.6900% | 1,351 |
| Equity capital to assets | 11.0966% | 1,350 |
| Core capital (leverage) ratio | 11.3473% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3260% | 1,255 |
| Memoranda: | ||
| Average total assets | $38,997,667 | 4,440 |
| Average earning assets | $35,388,000 | 4,423 |
| Average equity | $4,105,333 | 4,384 |
| Average total loans | $17,601,000 | 4,367 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 2,976 |
| Cost of funding earning assets | 0.3096% | 4,171 |
| Net interest margin | 3.9213% | 1,431 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.7348% | 4,145 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.9616% | 521 |
| Return on assets (ROA) | 2.0119% | 480 |
| Pretax return on assets | 2.0530% | 710 |
| Return on Equity (ROE) | 19.6400% | 804 |
| Retained earnings to average equity (ytd only) | 19.6442% | 398 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.9239% | 4,223 |
| Assets per employee ($millions) | 6.5683% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,101 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.1700% | 3,990 |
| Net loans and leases to deposits | 46.0027% | 4,038 |
| Net loans and leases to core deposits | 46.0027% | 4,112 |
| Total domestic deposits to total assets | 89.5100% | 1,339 |
| Equity capital to assets | 10.3755% | 1,626 |
| Core capital (leverage) ratio | 10.1198% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5533% | 900 |
| Memoranda: | ||
| Average total assets | $38,968,000 | 4,510 |
| Average earning assets | $34,886,500 | 4,492 |
| Average equity | $3,991,000 | 4,454 |
| Average total loans | $17,871,000 | 4,427 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8089% | 4,315 |
| Cost of funding earning assets | 0.1722% | 3,984 |
| Net interest margin | 2.6367% | 4,132 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.8636% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3361% | 4,332 |
| Return on assets (ROA) | 0.3321% | 4,309 |
| Pretax return on assets | 0.4633% | 4,217 |
| Return on Equity (ROE) | 3.3500% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.3123% | 3,914 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.9117% | 723 |
| Assets per employee ($millions) | 6.4210% | 2,400 |
| Cash dividends to net income (ytd only)* | 31.0078% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 3,749 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.7400% | 3,523 |
| Net loans and leases to deposits | 55.3946% | 3,604 |
| Net loans and leases to core deposits | 55.3946% | 3,747 |
| Total domestic deposits to total assets | 89.7800% | 1,457 |
| Equity capital to assets | 10.1049% | 1,662 |
| Core capital (leverage) ratio | 10.2823% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1685% | 1,323 |
| Memoranda: | ||
| Average total assets | $38,849,400 | 4,540 |
| Average earning assets | $31,933,800 | 4,552 |
| Average equity | $3,849,000 | 4,543 |
| Average total loans | $15,573,400 | 4,470 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6377% | 4,359 |
| Cost of funding earning assets | 0.1728% | 3,595 |
| Net interest margin | 2.4649% | 4,241 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.7330% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3679% | 4,294 |
| Return on assets (ROA) | 0.3596% | 4,255 |
| Pretax return on assets | 0.4452% | 4,215 |
| Return on Equity (ROE) | 3.6500% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6476% | 3,570 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.1862% | 823 |
| Assets per employee ($millions) | 6.3205% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 2,962 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 41.0500% | 4,023 |
| Net loans and leases to deposits | 45.8190% | 4,033 |
| Net loans and leases to core deposits | 45.8190% | 4,122 |
| Total domestic deposits to total assets | 89.5900% | 1,836 |
| Equity capital to assets | 10.3104% | 1,460 |
| Core capital (leverage) ratio | 9.7626% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5724% | 915 |
| Memoranda: | ||
| Average total assets | $38,930,250 | 4,574 |
| Average earning assets | $31,643,000 | 4,591 |
| Average equity | $3,838,000 | 4,586 |
| Average total loans | $14,632,750 | 4,522 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4427% | 4,427 |
| Cost of funding earning assets | 0.1909% | 3,035 |
| Net interest margin | 2.2518% | 4,381 |
| Noninterest income to average assets | 0.1273% | 4,363 |
| Noninterest expense to average assets | 1.6197% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1547% | 4,469 |
| Return on assets (ROA) | 0.1426% | 4,445 |
| Pretax return on assets | 0.2343% | 4,372 |
| Return on Equity (ROE) | 1.4683% | 4,410 |
| Retained earnings to average equity (ytd only) | 1.4683% | 3,886 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6485% | 555 |
| Assets per employee ($millions) | 6.6498% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.5097% | 4,268 |
| Net loans and leases to deposits | 39.3141% | 4,292 |
| Net loans and leases to core deposits | 39.3141% | 4,340 |
| Total domestic deposits to total assets | 90.3231% | 1,566 |
| Equity capital to assets | 9.6068% | 1,936 |
| Core capital (leverage) ratio | 9.4682% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6778% | 1,266 |
| Memoranda: | ||
| Average total assets | $39,266,000 | 4,613 |
| Average earning assets | $30,376,333 | 4,653 |
| Average equity | $3,814,000 | 4,629 |
| Average total loans | $14,263,000 | 4,593 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1720% | 4,543 |
| Cost of funding earning assets | 0.2216% | 2,508 |
| Net interest margin | 1.9504% | 4,544 |
| Noninterest income to average assets | 0.1335% | 4,348 |
| Noninterest expense to average assets | 1.6021% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1136% | 4,606 |
| Return on assets (ROA) | 0.0000% | 4,528 |
| Pretax return on assets | 0.0308% | 4,502 |
| Return on Equity (ROE) | 0.0000% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,010 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5862% | 151 |
| Assets per employee ($millions) | 6.8392% | 2,110 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.0019% | 4,376 |
| Net loans and leases to deposits | 35.3020% | 4,406 |
| Net loans and leases to core deposits | 35.6025% | 4,439 |
| Total domestic deposits to total assets | 90.6519% | 1,214 |
| Equity capital to assets | 9.2726% | 2,469 |
| Core capital (leverage) ratio | 9.1724% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3353% | 2,820 |
| Memoranda: | ||
| Average total assets | $38,949,500 | 4,643 |
| Average earning assets | $27,071,500 | 4,692 |
| Average equity | $3,804,500 | 4,668 |
| Average total loans | $14,223,000 | 4,617 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6083% | 4,400 |
| Cost of funding earning assets | 0.2876% | 2,529 |
| Net interest margin | 2.3207% | 4,398 |
| Noninterest income to average assets | 0.9590% | 1,078 |
| Noninterest expense to average assets | 2.0331% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3626% | 4,325 |
| Return on assets (ROA) | 0.4384% | 4,250 |
| Pretax return on assets | 0.6138% | 4,085 |
| Return on Equity (ROE) | 4.1876% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.1407% | 3,570 |
| Net charge-offs to loans | 0.0208% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 1,143 |
| Efficiency ratio | 79.6992% | 824 |
| Assets per employee ($millions) | 6.1440% | 2,615 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 40.5897% | 4,057 |
| Net loans and leases to deposits | 45.3067% | 4,127 |
| Net loans and leases to core deposits | 45.7416% | 4,196 |
| Total domestic deposits to total assets | 89.5888% | 1,182 |
| Equity capital to assets | 10.3190% | 2,348 |
| Core capital (leverage) ratio | 10.1429% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9796% | 3,047 |
| Memoranda: | ||
| Average total assets | $36,495,400 | 4,691 |
| Average earning assets | $25,035,600 | 4,746 |
| Average equity | $3,820,800 | 4,718 |
| Average total loans | $14,447,000 | 4,662 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4950% | 4,571 |
| Cost of funding earning assets | 0.2829% | 2,769 |
| Net interest margin | 2.2120% | 4,562 |
| Noninterest income to average assets | 1.2966% | 700 |
| Noninterest expense to average assets | 1.8789% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7679% | 3,603 |
| Return on assets (ROA) | 0.8461% | 3,459 |
| Pretax return on assets | 1.0915% | 3,211 |
| Return on Equity (ROE) | 8.0521% | 3,383 |
| Retained earnings to average equity (ytd only) | 8.0521% | 2,040 |
| Net charge-offs to loans | 0.0280% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 922 |
| Efficiency ratio | 65.4337% | 2,181 |
| Assets per employee ($millions) | 6.2052% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 2,161 |
| 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 | 34.1704% | 4,460 |
| Net loans and leases to deposits | 38.2571% | 4,515 |
| Net loans and leases to core deposits | 38.6182% | 4,554 |
| Total domestic deposits to total assets | 89.3180% | 1,111 |
| Equity capital to assets | 10.5181% | 2,445 |
| Core capital (leverage) ratio | 10.4883% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9654% | 2,716 |
| Memoranda: | ||
| Average total assets | $36,403,250 | 4,766 |
| Average earning assets | $25,918,250 | 4,810 |
| Average equity | $3,825,000 | 4,784 |
| Average total loans | $14,274,000 | 4,734 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5218% | 4,601 |
| Cost of funding earning assets | 0.2761% | 3,030 |
| Net interest margin | 2.2458% | 4,563 |
| Noninterest income to average assets | 1.7826% | 395 |
| Noninterest expense to average assets | 2.0040% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2110% | 2,150 |
| Return on assets (ROA) | 1.3785% | 1,704 |
| Pretax return on assets | 1.6442% | 1,626 |
| Return on Equity (ROE) | 13.1237% | 1,665 |
| Retained earnings to average equity (ytd only) | 13.1237% | 696 |
| Net charge-offs to loans | 0.0407% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 805 |
| Efficiency ratio | 58.1059% | 3,269 |
| Assets per employee ($millions) | 6.3133% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,358 |
| 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 | 34.8284% | 4,506 |
| Net loans and leases to deposits | 38.9346% | 4,550 |
| Net loans and leases to core deposits | 39.2953% | 4,596 |
| Total domestic deposits to total assets | 89.4535% | 1,054 |
| Equity capital to assets | 10.3854% | 2,504 |
| Core capital (leverage) ratio | 10.5548% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7371% | 2,797 |
| Memoranda: | ||
| Average total assets | $36,127,333 | 4,799 |
| Average earning assets | $26,806,000 | 4,836 |
| Average equity | $3,794,667 | 4,818 |
| Average total loans | $14,732,667 | 4,758 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2577% | 4,773 |
| Cost of funding earning assets | 0.2540% | 3,438 |
| Net interest margin | 2.0037% | 4,729 |
| Noninterest income to average assets | 1.2368% | 814 |
| Noninterest expense to average assets | 1.8836% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7791% | 3,487 |
| Return on assets (ROA) | 0.9078% | 3,187 |
| Pretax return on assets | 1.1234% | 3,056 |
| Return on Equity (ROE) | 8.5906% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.5906% | 2,066 |
| Net charge-offs to loans | 0.0778% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,116 |
| Efficiency ratio | 66.1355% | 2,211 |
| Assets per employee ($millions) | 6.0837% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.2306% | 4,217 |
| Net loans and leases to deposits | 47.2027% | 4,296 |
| Net loans and leases to core deposits | 47.6536% | 4,384 |
| Total domestic deposits to total assets | 89.4663% | 1,087 |
| Equity capital to assets | 10.3145% | 2,425 |
| Core capital (leverage) ratio | 10.6134% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9356% | 2,313 |
| Memoranda: | ||
| Average total assets | $35,251,000 | 4,832 |
| Average earning assets | $28,347,500 | 4,854 |
| Average equity | $3,725,000 | 4,849 |
| Average total loans | $15,414,500 | 4,778 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 3,975 |
| Cost of funding earning assets | 0.5085% | 2,897 |
| Net interest margin | 3.0168% | 3,847 |
| Noninterest income to average assets | 0.2471% | 4,008 |
| Noninterest expense to average assets | 2.2443% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4723% | 4,088 |
| Return on assets (ROA) | 0.4776% | 4,161 |
| Pretax return on assets | 0.6846% | 3,911 |
| Return on Equity (ROE) | 3.9118% | 4,179 |
| Retained earnings to average equity (ytd only) | 2.8176% | 3,459 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8000% | 1,139 |
| Assets per employee ($millions) | 5.6667% | 2,665 |
| Cash dividends to net income (ytd only)* | 27.9720% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 3,085 |
| Loan loss allowance to noncurrent loans | 4,475.0000% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,360 |
| Noncurrent loans to loans | 0.0263% | 4,217 |
| Net loans and leases to total assets | 44.2912% | 4,228 |
| Net loans and leases to deposits | 49.7900% | 4,324 |
| Net loans and leases to core deposits | 50.3040% | 4,409 |
| Total domestic deposits to total assets | 88.9559% | 1,007 |
| Equity capital to assets | 10.8382% | 2,395 |
| Core capital (leverage) ratio | 11.4299% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2691% | 1,751 |
| Memoranda: | ||
| Average total assets | $29,943,000 | 4,874 |
| Average earning assets | $26,551,000 | 4,869 |
| Average equity | $3,655,600 | 4,867 |
| Average total loans | $15,656,200 | 4,794 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,188 |
| Cost of funding earning assets | 0.5258% | 3,071 |
| Net interest margin | 2.9865% | 4,006 |
| Noninterest income to average assets | 0.3964% | 3,099 |
| Noninterest expense to average assets | 2.1293% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6821% | 3,511 |
| Return on assets (ROA) | 0.6821% | 3,621 |
| Pretax return on assets | 0.9633% | 3,188 |
| Return on Equity (ROE) | 5.4089% | 3,749 |
| Retained earnings to average equity (ytd only) | 5.4089% | 2,371 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 2,067 |
| Assets per employee ($millions) | 5.0093% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,031 |
| Loan loss allowance to noncurrent loans | 4,475.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,427 |
| Noncurrent loans to loans | 0.0253% | 4,309 |
| Net loans and leases to total assets | 52.0595% | 3,961 |
| Net loans and leases to deposits | 59.7100% | 4,076 |
| Net loans and leases to core deposits | 60.4155% | 4,180 |
| Total domestic deposits to total assets | 87.1873% | 1,585 |
| Equity capital to assets | 12.4068% | 1,465 |
| Core capital (leverage) ratio | 12.4366% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4004% | 1,695 |
| Memoranda: | ||
| Average total assets | $28,928,750 | 4,914 |
| Average earning assets | $26,116,750 | 4,905 |
| Average equity | $3,648,250 | 4,890 |
| Average total loans | $15,760,750 | 4,823 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 4,389 |
| Cost of funding earning assets | 0.5188% | 3,420 |
| Net interest margin | 2.9982% | 4,125 |
| Noninterest income to average assets | 0.2592% | 3,923 |
| Noninterest expense to average assets | 2.1714% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5464% | 3,895 |
| Return on assets (ROA) | 0.5464% | 3,975 |
| Pretax return on assets | 0.8405% | 3,471 |
| Return on Equity (ROE) | 4.3078% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.3078% | 2,778 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0930% | 1,669 |
| Assets per employee ($millions) | 4.8270% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 54.7718% | 3,808 |
| Net loans and leases to deposits | 62.9484% | 3,954 |
| Net loans and leases to core deposits | 63.7222% | 4,093 |
| Total domestic deposits to total assets | 87.0106% | 1,611 |
| Equity capital to assets | 12.6372% | 1,321 |
| Core capital (leverage) ratio | 12.7717% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9348% | 1,504 |
| Memoranda: | ||
| Average total assets | $28,553,000 | 4,948 |
| Average earning assets | $26,216,000 | 4,933 |
| Average equity | $3,621,333 | 4,923 |
| Average total loans | $15,739,000 | 4,852 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5727% | 4,561 |
| Cost of funding earning assets | 0.5169% | 3,861 |
| Net interest margin | 3.0558% | 4,187 |
| Noninterest income to average assets | 0.3104% | 3,657 |
| Noninterest expense to average assets | 2.1871% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6208% | 3,538 |
| Return on assets (ROA) | 0.6208% | 3,595 |
| Pretax return on assets | 0.9595% | 2,964 |
| Return on Equity (ROE) | 4.8862% | 3,674 |
| Retained earnings to average equity (ytd only) | 4.8862% | 2,328 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5067% | 2,424 |
| Assets per employee ($millions) | 4.6958% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 53.5013% | 4,024 |
| Net loans and leases to deposits | 61.5491% | 4,127 |
| Net loans and leases to core deposits | 62.3253% | 4,262 |
| Total domestic deposits to total assets | 86.9246% | 1,590 |
| Equity capital to assets | 12.8696% | 1,512 |
| Core capital (leverage) ratio | 12.7152% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3719% | 1,510 |
| Memoranda: | ||
| Average total assets | $28,348,500 | 4,989 |
| Average earning assets | $26,310,500 | 4,977 |
| Average equity | $3,602,000 | 4,972 |
| Average total loans | $15,587,500 | 4,890 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 4,446 |
| Cost of funding earning assets | 0.4523% | 4,263 |
| Net interest margin | 3.4415% | 3,621 |
| Noninterest income to average assets | 0.3029% | 3,874 |
| Noninterest expense to average assets | 2.4917% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6743% | 3,940 |
| Return on assets (ROA) | 0.6743% | 4,009 |
| Pretax return on assets | 0.9664% | 3,553 |
| Return on Equity (ROE) | 5.2963% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.1634% | 2,877 |
| Net charge-offs to loans | -0.0182% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0542% | 1,860 |
| Assets per employee ($millions) | 4.7537% | 2,888 |
| Cash dividends to net income (ytd only)* | 21.3904% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 2,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.1960% | 3,982 |
| Net loans and leases to deposits | 63.2834% | 4,119 |
| Net loans and leases to core deposits | 64.0663% | 4,274 |
| Total domestic deposits to total assets | 87.2204% | 1,504 |
| Equity capital to assets | 12.5447% | 1,790 |
| Core capital (leverage) ratio | 12.8960% | 1,287 |
| Tier 1 risk-based capital ratio | 14.9021% | 2,820 |
| Total risk-based capital ratio | 15.6476% | 2,980 |
| Memoranda: | ||
| Average total assets | $27,732,200 | 5,051 |
| Average earning assets | $25,424,600 | 5,039 |
| Average equity | $3,530,800 | 5,035 |
| Average total loans | $16,475,400 | 4,936 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 4,426 |
| Cost of funding earning assets | 0.4500% | 4,324 |
| Net interest margin | 3.5155% | 3,523 |
| Noninterest income to average assets | 0.3099% | 3,892 |
| Noninterest expense to average assets | 2.3437% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8765% | 3,423 |
| Return on assets (ROA) | 0.8765% | 3,508 |
| Pretax return on assets | 1.1815% | 3,038 |
| Return on Equity (ROE) | 6.8579% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.8579% | 1,928 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4835% | 2,666 |
| Assets per employee ($millions) | 4.5858% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 2,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 56.2202% | 4,033 |
| Net loans and leases to deposits | 64.8786% | 4,131 |
| Net loans and leases to core deposits | 65.7137% | 4,295 |
| Total domestic deposits to total assets | 86.6546% | 1,710 |
| Equity capital to assets | 13.1310% | 1,550 |
| Core capital (leverage) ratio | 13.0806% | 1,313 |
| Tier 1 risk-based capital ratio | 16.2419% | 2,353 |
| Total risk-based capital ratio | 17.0330% | 2,464 |
| Memoranda: | ||
| Average total assets | $27,534,750 | 5,127 |
| Average earning assets | $25,183,000 | 5,116 |
| Average equity | $3,519,000 | 5,108 |
| Average total loans | $16,613,750 | 5,012 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 4,502 |
| Cost of funding earning assets | 0.4443% | 4,344 |
| Net interest margin | 3.4910% | 3,624 |
| Noninterest income to average assets | 0.3195% | 3,790 |
| Noninterest expense to average assets | 2.3383% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8787% | 3,366 |
| Return on assets (ROA) | 0.8787% | 3,433 |
| Pretax return on assets | 1.1764% | 2,998 |
| Return on Equity (ROE) | 6.9387% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.9387% | 1,839 |
| Net charge-offs to loans | 0.0118% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 461 |
| Efficiency ratio | 66.5289% | 2,748 |
| Assets per employee ($millions) | 4.5728% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,480 |
| Loan loss allowance to noncurrent loans | 673.0769% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,287 |
| Noncurrent loans to loans | 0.1523% | 4,002 |
| Net loans and leases to total assets | 61.5957% | 3,590 |
| Net loans and leases to deposits | 70.9309% | 3,770 |
| Net loans and leases to core deposits | 71.8446% | 4,013 |
| Total domestic deposits to total assets | 86.8389% | 1,670 |
| Equity capital to assets | 12.9460% | 1,609 |
| Core capital (leverage) ratio | 13.1761% | 1,227 |
| Tier 1 risk-based capital ratio | 15.9147% | 2,449 |
| Total risk-based capital ratio | 16.6988% | 2,568 |
| Memoranda: | ||
| Average total assets | $27,541,330 | 5,173 |
| Average earning assets | $25,207,330 | 5,162 |
| Average equity | $3,487,670 | 5,149 |
| Average total loans | $16,936,670 | 5,048 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 4,678 |
| Cost of funding earning assets | 0.4071% | 4,455 |
| Net interest margin | 3.4137% | 3,851 |
| Noninterest income to average assets | 0.2174% | 4,447 |
| Noninterest expense to average assets | 2.2904% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7103% | 3,902 |
| Return on assets (ROA) | 0.7103% | 3,947 |
| Pretax return on assets | 1.0872% | 3,186 |
| Return on Equity (ROE) | 5.6721% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.6721% | 2,608 |
| Net charge-offs to loans | 0.0237% | 1,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 803 |
| Efficiency ratio | 67.8112% | 2,664 |
| Assets per employee ($millions) | 4.5412% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,564 |
| Loan loss allowance to noncurrent loans | 760.8696% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 4,385 |
| Noncurrent loans to loans | 0.1345% | 4,135 |
| Net loans and leases to total assets | 62.1022% | 3,491 |
| Net loans and leases to deposits | 71.3936% | 3,653 |
| Net loans and leases to core deposits | 72.3151% | 3,920 |
| Total domestic deposits to total assets | 86.9857% | 1,823 |
| Equity capital to assets | 12.7720% | 1,583 |
| Core capital (leverage) ratio | 12.5623% | 1,470 |
| Tier 1 risk-based capital ratio | 15.7182% | 2,561 |
| Total risk-based capital ratio | 16.5086% | 2,678 |
| Memoranda: | ||
| Average total assets | $27,593,500 | 5,226 |
| Average earning assets | $25,544,500 | 5,214 |
| Average equity | $3,455,500 | 5,202 |
| Average total loans | $16,867,500 | 5,107 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7447% | 4,600 |
| Cost of funding earning assets | 0.1965% | 5,020 |
| Net interest margin | 3.5482% | 3,550 |
| Noninterest income to average assets | 0.2406% | 4,478 |
| Noninterest expense to average assets | 2.3624% | 3,970 |
| Loan and lease loss provision to assets | 0.0365% | 3,468 |
| Net operating income to assets | 0.8823% | 3,485 |
| Return on assets (ROA) | 0.8823% | 3,478 |
| Pretax return on assets | 1.0682% | 3,379 |
| Return on Equity (ROE) | 7.2032% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.0126% | 2,189 |
| Net charge-offs to loans | 0.1129% | 1,619 |
| Credit loss provision to net charge-offs | 52.6316% | 3,161 |
| Earnings coverage of net charge-offs (x) | 15.9474% | 2,288 |
| Efficiency ratio | 68.1388% | 2,518 |
| Assets per employee ($millions) | 4.6567% | 2,952 |
| Cash dividends to net income (ytd only)* | 16.5289% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.9227% | 3,880 |
| Net loans and leases to deposits | 67.3967% | 4,016 |
| Net loans and leases to core deposits | 68.2404% | 4,225 |
| Total domestic deposits to total assets | 87.4266% | 1,575 |
| Equity capital to assets | 12.2799% | 1,709 |
| Core capital (leverage) ratio | 12.4397% | 1,489 |
| Tier 1 risk-based capital ratio | 14.5641% | 3,035 |
| Total risk-based capital ratio | 15.3111% | 3,196 |
| Memoranda: | ||
| Average total assets | $27,429,400 | 5,273 |
| Average earning assets | $24,942,200 | 5,267 |
| Average equity | $3,359,600 | 5,252 |
| Average total loans | $16,830,000 | 5,151 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,608 |
| Cost of funding earning assets | 0.1720% | 5,135 |
| Net interest margin | 3.5521% | 3,516 |
| Noninterest income to average assets | 0.2442% | 4,515 |
| Noninterest expense to average assets | 2.1976% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1427% | 2,469 |
| Return on assets (ROA) | 1.1427% | 2,483 |
| Pretax return on assets | 1.2746% | 2,708 |
| Return on Equity (ROE) | 9.3361% | 2,939 |
| Retained earnings to average equity (ytd only) | 9.3361% | 1,100 |
| Net charge-offs to loans | 0.0316% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 65.2889% | 998 |
| Efficiency ratio | 63.2911% | 3,292 |
| Assets per employee ($millions) | 4.5075% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.8615% | 3,757 |
| Net loans and leases to deposits | 70.2159% | 3,902 |
| Net loans and leases to core deposits | 71.1292% | 4,125 |
| Total domestic deposits to total assets | 86.6778% | 1,876 |
| Equity capital to assets | 12.8083% | 1,416 |
| Core capital (leverage) ratio | 12.5485% | 1,473 |
| Tier 1 risk-based capital ratio | 15.5966% | 2,604 |
| Total risk-based capital ratio | 16.4115% | 2,730 |
| Memoranda: | ||
| Average total assets | $27,301,750 | 5,347 |
| Average earning assets | $24,810,750 | 5,338 |
| Average equity | $3,341,750 | 5,323 |
| Average total loans | $16,877,750 | 5,211 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 4,654 |
| Cost of funding earning assets | 0.1696% | 5,157 |
| Net interest margin | 3.4979% | 3,632 |
| Noninterest income to average assets | 0.2556% | 4,481 |
| Noninterest expense to average assets | 2.2127% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0881% | 2,623 |
| Return on assets (ROA) | 1.0881% | 2,632 |
| Pretax return on assets | 1.2049% | 2,923 |
| Return on Equity (ROE) | 9.0276% | 3,006 |
| Retained earnings to average equity (ytd only) | 9.0276% | 1,211 |
| Net charge-offs to loans | -0.0236% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7436% | 3,202 |
| Assets per employee ($millions) | 4.5842% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 61.6143% | 3,649 |
| Net loans and leases to deposits | 70.5038% | 3,816 |
| Net loans and leases to core deposits | 71.3979% | 4,050 |
| Total domestic deposits to total assets | 87.3914% | 1,689 |
| Equity capital to assets | 12.2814% | 1,675 |
| Core capital (leverage) ratio | 12.2227% | 1,586 |
| Tier 1 risk-based capital ratio | 15.0060% | 2,871 |
| Total risk-based capital ratio | 15.8367% | 2,995 |
| Memoranda: | ||
| Average total assets | $27,387,330 | 5,408 |
| Average earning assets | $24,757,670 | 5,397 |
| Average equity | $3,301,000 | 5,387 |
| Average total loans | $16,956,670 | 5,269 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 4,727 |
| Cost of funding earning assets | 0.1639% | 5,194 |
| Net interest margin | 3.4255% | 3,794 |
| Noninterest income to average assets | 0.2049% | 4,802 |
| Noninterest expense to average assets | 2.3126% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9514% | 3,069 |
| Return on assets (ROA) | 0.9514% | 3,088 |
| Pretax return on assets | 0.9514% | 3,702 |
| Return on Equity (ROE) | 7.9693% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.9693% | 1,848 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8520% | 2,366 |
| Assets per employee ($millions) | 4.6960% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.8834% | 3,861 |
| Net loans and leases to deposits | 66.8345% | 4,031 |
| Net loans and leases to core deposits | 67.6521% | 4,234 |
| Total domestic deposits to total assets | 88.1034% | 1,558 |
| Equity capital to assets | 11.6943% | 1,997 |
| Core capital (leverage) ratio | 12.0449% | 1,627 |
| Tier 1 risk-based capital ratio | 14.2808% | 3,237 |
| Total risk-based capital ratio | 15.0826% | 3,386 |
| Memoranda: | ||
| Average total assets | $27,328,500 | 5,467 |
| Average earning assets | $24,405,500 | 5,459 |
| Average equity | $3,262,500 | 5,448 |
| Average total loans | $16,868,000 | 5,329 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,287 |
| Cost of funding earning assets | 0.1837% | 5,065 |
| Net interest margin | 3.5382% | 3,384 |
| Noninterest income to average assets | 0.2558% | 4,603 |
| Noninterest expense to average assets | 2.5811% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4505% | 4,533 |
| Return on assets (ROA) | 0.4505% | 4,563 |
| Pretax return on assets | 0.8362% | 4,136 |
| Return on Equity (ROE) | 3.6603% | 4,622 |
| Retained earnings to average equity (ytd only) | 2.5746% | 3,781 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5307% | 1,690 |
| Assets per employee ($millions) | 4.4135% | 3,329 |
| Cash dividends to net income (ytd only)* | 29.6610% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 63.3473% | 3,447 |
| Net loans and leases to deposits | 72.2562% | 3,678 |
| Net loans and leases to core deposits | 74.5125% | 3,844 |
| Total domestic deposits to total assets | 87.6704% | 1,670 |
| Equity capital to assets | 12.1974% | 1,705 |
| Core capital (leverage) ratio | 12.5111% | 1,348 |
| Tier 1 risk-based capital ratio | 16.9545% | 2,114 |
| Total risk-based capital ratio | 17.9256% | 2,156 |
| Memoranda: | ||
| Average total assets | $26,190,800 | 5,534 |
| Average earning assets | $23,402,000 | 5,526 |
| Average equity | $3,223,800 | 5,508 |
| Average total loans | $17,060,600 | 5,386 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,324 |
| Cost of funding earning assets | 0.1816% | 5,128 |
| Net interest margin | 3.5173% | 3,439 |
| Noninterest income to average assets | 0.2604% | 4,642 |
| Noninterest expense to average assets | 2.3431% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8321% | 3,377 |
| Return on assets (ROA) | 0.8321% | 3,412 |
| Pretax return on assets | 1.0822% | 3,374 |
| Return on Equity (ROE) | 6.7447% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.7447% | 1,825 |
| Net charge-offs to loans | 0.0078% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 212.5263% | 404 |
| Efficiency ratio | 68.4054% | 2,801 |
| Assets per employee ($millions) | 4.1233% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.1108% | 2,677 |
| Net loans and leases to deposits | 79.8226% | 2,987 |
| Net loans and leases to core deposits | 81.3454% | 3,346 |
| Total domestic deposits to total assets | 86.5804% | 2,055 |
| Equity capital to assets | 13.3751% | 1,216 |
| Core capital (leverage) ratio | 13.0837% | 1,178 |
| Tier 1 risk-based capital ratio | 17.0164% | 2,149 |
| Total risk-based capital ratio | 17.9626% | 2,200 |
| Memoranda: | ||
| Average total assets | $26,118,250 | 5,596 |
| Average earning assets | $23,502,500 | 5,588 |
| Average equity | $3,222,250 | 5,570 |
| Average total loans | $17,085,750 | 5,445 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 4,390 |
| Cost of funding earning assets | 0.1868% | 5,092 |
| Net interest margin | 3.4549% | 3,570 |
| Noninterest income to average assets | 0.2559% | 4,702 |
| Noninterest expense to average assets | 2.3027% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7901% | 3,443 |
| Return on assets (ROA) | 0.7901% | 3,500 |
| Pretax return on assets | 1.0159% | 3,502 |
| Return on Equity (ROE) | 6.5762% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.5762% | 1,802 |
| Net charge-offs to loans | 0.0235% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 865 |
| Efficiency ratio | 69.3878% | 2,790 |
| Assets per employee ($millions) | 4.1823% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.0404% | 2,663 |
| Net loans and leases to deposits | 79.3415% | 2,989 |
| Net loans and leases to core deposits | 80.8295% | 3,360 |
| Total domestic deposits to total assets | 87.0168% | 1,943 |
| Equity capital to assets | 12.9553% | 1,392 |
| Core capital (leverage) ratio | 12.4450% | 1,391 |
| Tier 1 risk-based capital ratio | 16.9332% | 2,170 |
| Total risk-based capital ratio | 17.8863% | 2,217 |
| Memoranda: | ||
| Average total assets | $26,577,670 | 5,639 |
| Average earning assets | $23,560,670 | 5,635 |
| Average equity | $3,193,330 | 5,618 |
| Average total loans | $17,020,330 | 5,487 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 4,698 |
| Cost of funding earning assets | 0.2037% | 4,945 |
| Net interest margin | 3.2936% | 4,028 |
| Noninterest income to average assets | 0.2928% | 4,461 |
| Noninterest expense to average assets | 2.3134% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5417% | 4,415 |
| Return on assets (ROA) | 0.5417% | 4,458 |
| Pretax return on assets | 0.8199% | 4,038 |
| Return on Equity (ROE) | 4.6769% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.6769% | 3,068 |
| Net charge-offs to loans | -0.0238% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8318% | 2,258 |
| Assets per employee ($millions) | 4.4940% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.0976% | 3,522 |
| Net loans and leases to deposits | 70.4417% | 3,755 |
| Net loans and leases to core deposits | 71.6474% | 4,014 |
| Total domestic deposits to total assets | 88.1546% | 1,618 |
| Equity capital to assets | 11.8046% | 1,966 |
| Core capital (leverage) ratio | 11.1383% | 2,245 |
| Tier 1 risk-based capital ratio | 15.1564% | 2,897 |
| Total risk-based capital ratio | 16.0421% | 2,993 |
| Memoranda: | ||
| Average total assets | $27,319,500 | 5,702 |
| Average earning assets | $23,561,000 | 5,700 |
| Average equity | $3,164,500 | 5,681 |
| Average total loans | $16,776,500 | 5,557 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,073 |
| Cost of funding earning assets | 0.2408% | 4,648 |
| Net interest margin | 3.7960% | 2,330 |
| Noninterest income to average assets | 0.2541% | 4,899 |
| Noninterest expense to average assets | 2.3514% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3615% | 5,051 |
| Return on assets (ROA) | 0.3615% | 5,136 |
| Pretax return on assets | 0.5547% | 4,911 |
| Return on Equity (ROE) | 3.2256% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.1078% | 4,336 |
| Net charge-offs to loans | -0.0119% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9113% | 1,312 |
| Assets per employee ($millions) | 4.6125% | 2,940 |
| Cash dividends to net income (ytd only)* | 34.6535% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.3966% | 3,920 |
| Net loans and leases to deposits | 67.0474% | 4,167 |
| Net loans and leases to core deposits | 68.1594% | 4,386 |
| Total domestic deposits to total assets | 88.5890% | 1,327 |
| Equity capital to assets | 11.3677% | 2,270 |
| Core capital (leverage) ratio | 11.2991% | 2,084 |
| Tier 1 risk-based capital ratio | 13.2385% | 3,931 |
| Total risk-based capital ratio | 14.0170% | 4,109 |
| Memoranda: | ||
| Average total assets | $27,941,200 | 5,744 |
| Average earning assets | $19,520,800 | 5,810 |
| Average equity | $3,131,200 | 5,743 |
| Average total loans | $16,785,200 | 5,619 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 2,660 |
| Cost of funding earning assets | 0.2457% | 4,641 |
| Net interest margin | 3.9104% | 1,936 |
| Noninterest income to average assets | 0.2428% | 5,021 |
| Noninterest expense to average assets | 2.2089% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4427% | 4,895 |
| Return on assets (ROA) | 0.4427% | 4,978 |
| Pretax return on assets | 0.6855% | 4,652 |
| Return on Equity (ROE) | 3.9648% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.9648% | 3,483 |
| Net charge-offs to loans | -0.0159% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 1,933 |
| Assets per employee ($millions) | 4.5143% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 4,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 63.0252% | 3,522 |
| Net loans and leases to deposits | 71.4597% | 3,843 |
| Net loans and leases to core deposits | 72.3838% | 4,129 |
| Total domestic deposits to total assets | 88.1969% | 1,301 |
| Equity capital to assets | 11.7182% | 2,328 |
| Core capital (leverage) ratio | 11.4502% | 2,075 |
| Tier 1 risk-based capital ratio | 15.9417% | 2,650 |
| Total risk-based capital ratio | 16.8709% | 2,712 |
| Memoranda: | ||
| Average total assets | $28,007,750 | 5,804 |
| Average earning assets | $18,991,500 | 5,883 |
| Average equity | $3,127,500 | 5,809 |
| Average total loans | $16,825,750 | 5,675 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,132 |
| Cost of funding earning assets | 0.2371% | 4,785 |
| Net interest margin | 3.7942% | 2,342 |
| Noninterest income to average assets | 0.2402% | 5,048 |
| Noninterest expense to average assets | 2.1473% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4309% | 4,937 |
| Return on assets (ROA) | 0.4309% | 5,025 |
| Pretax return on assets | 0.6922% | 4,641 |
| Return on Equity (ROE) | 3.9203% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.9203% | 3,403 |
| Net charge-offs to loans | -0.0240% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6219% | 2,126 |
| Assets per employee ($millions) | 4.6505% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.3485% | 3,970 |
| Net loans and leases to deposits | 66.9091% | 4,275 |
| Net loans and leases to core deposits | 67.7439% | 4,495 |
| Total domestic deposits to total assets | 88.7001% | 1,063 |
| Equity capital to assets | 11.2604% | 2,790 |
| Core capital (leverage) ratio | 11.2186% | 2,214 |
| Tier 1 risk-based capital ratio | 16.8997% | 2,255 |
| Total risk-based capital ratio | 17.8948% | 2,323 |
| Memoranda: | ||
| Average total assets | $28,315,000 | 5,874 |
| Average earning assets | $19,398,000 | 5,950 |
| Average equity | $3,112,000 | 5,880 |
| Average total loans | $16,682,330 | 5,745 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7458% | 4,153 |
| Cost of funding earning assets | 0.2317% | 4,883 |
| Net interest margin | 3.5141% | 3,410 |
| Noninterest income to average assets | 0.2384% | 5,037 |
| Noninterest expense to average assets | 2.1177% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4628% | 4,771 |
| Return on assets (ROA) | 0.4628% | 4,856 |
| Pretax return on assets | 0.6732% | 4,614 |
| Return on Equity (ROE) | 4.2622% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.2622% | 3,348 |
| Net charge-offs to loans | -0.0240% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8794% | 2,188 |
| Assets per employee ($millions) | 4.6620% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 4,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.8338% | 3,944 |
| Net loans and leases to deposits | 66.2227% | 4,233 |
| Net loans and leases to core deposits | 67.0455% | 4,469 |
| Total domestic deposits to total assets | 88.8424% | 1,185 |
| Equity capital to assets | 11.1290% | 2,798 |
| Core capital (leverage) ratio | 10.8702% | 2,549 |
| Tier 1 risk-based capital ratio | 11.2884% | 5,348 |
| Total risk-based capital ratio | 11.9556% | 5,572 |
| Memoranda: | ||
| Average total assets | $28,521,000 | 5,930 |
| Average earning assets | $20,716,500 | 5,989 |
| Average equity | $3,097,000 | 5,936 |
| Average total loans | $16,651,000 | 5,800 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 4,414 |
| Cost of funding earning assets | 0.2144% | 5,143 |
| Net interest margin | 3.4713% | 3,631 |
| Noninterest income to average assets | 0.2398% | 5,163 |
| Noninterest expense to average assets | 2.4096% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4722% | 4,803 |
| Return on assets (ROA) | 0.4722% | 4,884 |
| Pretax return on assets | 0.6820% | 4,579 |
| Return on Equity (ROE) | 4.1128% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.9704% | 3,951 |
| Net charge-offs to loans | -0.0179% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9394% | 1,980 |
| Assets per employee ($millions) | 4.8450% | 2,538 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 4,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.6839% | 4,235 |
| Net loans and leases to deposits | 63.4452% | 4,513 |
| Net loans and leases to core deposits | 64.1992% | 4,731 |
| Total domestic deposits to total assets | 89.3430% | 939 |
| Equity capital to assets | 10.5986% | 3,254 |
| Core capital (leverage) ratio | 11.0391% | 2,364 |
| Tier 1 risk-based capital ratio | 12.7314% | 4,490 |
| Total risk-based capital ratio | 13.4876% | 4,699 |
| Memoranda: | ||
| Average total assets | $26,684,800 | 6,006 |
| Average earning assets | $21,922,800 | 6,030 |
| Average equity | $3,063,600 | 5,996 |
| Average total loans | $16,774,400 | 5,838 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 4,650 |
| Cost of funding earning assets | 0.2106% | 5,286 |
| Net interest margin | 3.4176% | 3,881 |
| Noninterest income to average assets | 0.2504% | 5,144 |
| Noninterest expense to average assets | 2.2232% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7921% | 3,467 |
| Return on assets (ROA) | 0.7921% | 3,555 |
| Pretax return on assets | 0.9301% | 3,886 |
| Return on Equity (ROE) | 6.7553% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.7553% | 1,806 |
| Net charge-offs to loans | -0.0079% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5024% | 3,135 |
| Assets per employee ($millions) | 4.4170% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 4,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.5121% | 3,228 |
| Net loans and leases to deposits | 73.2268% | 3,626 |
| Net loans and leases to core deposits | 74.1896% | 3,998 |
| Total domestic deposits to total assets | 88.0990% | 1,503 |
| Equity capital to assets | 11.8633% | 2,204 |
| Core capital (leverage) ratio | 11.9132% | 1,729 |
| Tier 1 risk-based capital ratio | 14.7661% | 3,406 |
| Total risk-based capital ratio | 15.6162% | 3,560 |
| Memoranda: | ||
| Average total assets | $26,088,500 | 6,099 |
| Average earning assets | $22,159,250 | 6,113 |
| Average equity | $3,059,250 | 6,079 |
| Average total loans | $16,802,750 | 5,910 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 4,932 |
| Cost of funding earning assets | 0.2239% | 5,208 |
| Net interest margin | 3.2954% | 4,316 |
| Noninterest income to average assets | 0.2389% | 5,248 |
| Noninterest expense to average assets | 2.2427% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6936% | 3,919 |
| Return on assets (ROA) | 0.6936% | 4,035 |
| Pretax return on assets | 0.8323% | 4,198 |
| Return on Equity (ROE) | 5.9386% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.9386% | 2,278 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9323% | 2,854 |
| Assets per employee ($millions) | 4.2705% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 4,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 68.0638% | 2,632 |
| Net loans and leases to deposits | 77.3873% | 3,106 |
| Net loans and leases to core deposits | 78.4420% | 3,533 |
| Total domestic deposits to total assets | 87.9522% | 1,671 |
| Equity capital to assets | 12.0205% | 2,011 |
| Core capital (leverage) ratio | 11.6429% | 1,893 |
| Tier 1 risk-based capital ratio | 15.3021% | 3,201 |
| Total risk-based capital ratio | 16.1963% | 3,322 |
| Memoranda: | ||
| Average total assets | $25,950,670 | 6,173 |
| Average earning assets | $22,334,000 | 6,180 |
| Average equity | $3,031,000 | 6,144 |
| Average total loans | $16,644,330 | 5,978 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 5,395 |
| Cost of funding earning assets | 0.2132% | 5,388 |
| Net interest margin | 3.1094% | 4,921 |
| Noninterest income to average assets | 0.2451% | 5,215 |
| Noninterest expense to average assets | 2.2516% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5208% | 4,581 |
| Return on assets (ROA) | 0.5208% | 4,698 |
| Pretax return on assets | 0.6740% | 4,675 |
| Return on Equity (ROE) | 4.5235% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.5235% | 3,313 |
| Net charge-offs to loans | 0.0248% | 2,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 913 |
| Efficiency ratio | 76.9634% | 2,348 |
| Assets per employee ($millions) | 3.8210% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 4,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.9170% | 3,664 |
| Net loans and leases to deposits | 67.5889% | 3,996 |
| Net loans and leases to core deposits | 68.4608% | 4,292 |
| Total domestic deposits to total assets | 88.6492% | 1,474 |
| Equity capital to assets | 11.3059% | 2,644 |
| Core capital (leverage) ratio | 10.9411% | 2,471 |
| Tier 1 risk-based capital ratio | 15.3737% | 3,212 |
| Total risk-based capital ratio | 16.2837% | 3,343 |
| Memoranda: | ||
| Average total assets | $26,114,500 | 6,239 |
| Average earning assets | $22,512,500 | 6,239 |
| Average equity | $3,006,500 | 6,207 |
| Average total loans | $16,156,500 | 6,049 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4607% | 5,416 |
| Cost of funding earning assets | 0.2515% | 5,306 |
| Net interest margin | 3.2092% | 4,890 |
| Noninterest income to average assets | 0.2767% | 5,136 |
| Noninterest expense to average assets | 2.4937% | 4,572 |
| Loan and lease loss provision to assets | 0.0346% | 3,900 |
| Net operating income to assets | 0.3151% | 5,483 |
| Return on assets (ROA) | 0.3151% | 5,554 |
| Pretax return on assets | 0.3958% | 5,499 |
| Return on Equity (ROE) | 2.7355% | 5,563 |
| Retained earnings to average equity (ytd only) | 1.7347% | 4,952 |
| Net charge-offs to loans | 0.0066% | 4,793 |
| Credit loss provision to net charge-offs | 900.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 472 |
| Efficiency ratio | 85.2825% | 1,255 |
| Assets per employee ($millions) | 3.6403% | 4,645 |
| Cash dividends to net income (ytd only)* | 36.5854% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 4,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 62.5069% | 3,437 |
| Net loans and leases to deposits | 70.8667% | 3,802 |
| Net loans and leases to core deposits | 71.8319% | 4,140 |
| Total domestic deposits to total assets | 88.2034% | 1,659 |
| Equity capital to assets | 11.7298% | 2,225 |
| Core capital (leverage) ratio | 11.4803% | 1,981 |
| Tier 1 risk-based capital ratio | 18.2012% | 2,082 |
| Total risk-based capital ratio | 19.2973% | 2,086 |
| Memoranda: | ||
| Average total assets | $26,025,600 | 6,324 |
| Average earning assets | $21,469,400 | 6,343 |
| Average equity | $2,997,600 | 6,274 |
| Average total loans | $15,086,600 | 6,161 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 5,482 |
| Cost of funding earning assets | 0.2702% | 5,198 |
| Net interest margin | 3.1854% | 5,009 |
| Noninterest income to average assets | 0.2854% | 5,159 |
| Noninterest expense to average assets | 2.2730% | 5,171 |
| Loan and lease loss provision to assets | 0.0408% | 3,591 |
| Net operating income to assets | 0.5555% | 4,652 |
| Return on assets (ROA) | 0.5555% | 4,733 |
| Pretax return on assets | 0.5555% | 5,165 |
| Return on Equity (ROE) | 4.8447% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.8447% | 3,186 |
| Net charge-offs to loans | 0.0090% | 4,412 |
| Credit loss provision to net charge-offs | 800.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 117.2932% | 507 |
| Efficiency ratio | 79.2185% | 2,022 |
| Assets per employee ($millions) | 3.5843% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 4,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 60.3667% | 3,724 |
| Net loans and leases to deposits | 68.7330% | 4,051 |
| Net loans and leases to core deposits | 69.6848% | 4,353 |
| Total domestic deposits to total assets | 87.8278% | 1,850 |
| Equity capital to assets | 12.1443% | 1,951 |
| Core capital (leverage) ratio | 11.8082% | 1,826 |
| Tier 1 risk-based capital ratio | 19.2556% | 1,837 |
| Total risk-based capital ratio | 20.3868% | 1,836 |
| Memoranda: | ||
| Average total assets | $26,161,500 | 6,400 |
| Average earning assets | $21,221,000 | 6,423 |
| Average equity | $2,999,750 | 6,345 |
| Average total loans | $14,831,250 | 6,231 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 5,620 |
| Cost of funding earning assets | 0.2753% | 5,233 |
| Net interest margin | 3.1232% | 5,178 |
| Noninterest income to average assets | 0.3092% | 4,941 |
| Noninterest expense to average assets | 2.2550% | 5,270 |
| Loan and lease loss provision to assets | 0.0226% | 3,826 |
| Net operating income to assets | 0.5128% | 4,754 |
| Return on assets (ROA) | 0.6637% | 4,123 |
| Pretax return on assets | 0.6637% | 4,756 |
| Return on Equity (ROE) | 5.8981% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.8981% | 2,385 |
| Net charge-offs to loans | 0.0273% | 3,650 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,143 |
| Efficiency ratio | 80.8108% | 1,903 |
| Assets per employee ($millions) | 3.6697% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 4,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 58.5332% | 3,919 |
| Net loans and leases to deposits | 66.3870% | 4,234 |
| Net loans and leases to core deposits | 67.2812% | 4,524 |
| Total domestic deposits to total assets | 88.1696% | 1,814 |
| Equity capital to assets | 11.7759% | 2,186 |
| Core capital (leverage) ratio | 11.3936% | 2,089 |
| Tier 1 risk-based capital ratio | 19.0216% | 1,919 |
| Total risk-based capital ratio | 20.1094% | 1,921 |
| Memoranda: | ||
| Average total assets | $26,518,670 | 6,459 |
| Average earning assets | $21,068,000 | 6,492 |
| Average equity | $2,984,000 | 6,399 |
| Average total loans | $14,666,670 | 6,295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 5,602 |
| Cost of funding earning assets | 0.2882% | 5,192 |
| Net interest margin | 3.1320% | 5,138 |
| Noninterest income to average assets | 0.3119% | 4,873 |
| Noninterest expense to average assets | 2.3168% | 5,153 |
| Loan and lease loss provision to assets | 0.0446% | 3,209 |
| Net operating income to assets | 0.3713% | 5,227 |
| Return on assets (ROA) | 0.6683% | 3,937 |
| Pretax return on assets | 0.6683% | 4,603 |
| Return on Equity (ROE) | 6.0739% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.0739% | 2,503 |
| Net charge-offs to loans | 0.0834% | 2,311 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,941 |
| Efficiency ratio | 84.7826% | 1,579 |
| Assets per employee ($millions) | 3.9691% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.8380% | 4,927 |
| Net loans and leases to deposits | 55.8662% | 5,126 |
| Net loans and leases to core deposits | 56.5507% | 5,317 |
| Total domestic deposits to total assets | 89.2096% | 1,522 |
| Equity capital to assets | 10.7472% | 2,989 |
| Core capital (leverage) ratio | 10.8673% | 2,528 |
| Tier 1 risk-based capital ratio | 19.4960% | 1,837 |
| Total risk-based capital ratio | 20.6190% | 1,837 |
| Memoranda: | ||
| Average total assets | $26,934,000 | 6,520 |
| Average earning assets | $20,817,500 | 6,564 |
| Average equity | $2,963,500 | 6,458 |
| Average total loans | $14,395,500 | 6,366 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 4,007 |
| Cost of funding earning assets | 0.4395% | 4,222 |
| Net interest margin | 3.5843% | 3,527 |
| Noninterest income to average assets | 0.3434% | 4,860 |
| Noninterest expense to average assets | 2.5130% | 4,728 |
| Loan and lease loss provision to assets | 0.0040% | 5,036 |
| Net operating income to assets | 0.2545% | 5,680 |
| Return on assets (ROA) | 0.2545% | 5,751 |
| Pretax return on assets | 0.3636% | 5,576 |
| Return on Equity (ROE) | 2.1433% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.1227% | 5,323 |
| Net charge-offs to loans | -0.0375% | 6,269 |
| Credit loss provision to net charge-offs | -20.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2370% | 1,296 |
| Assets per employee ($millions) | 3.7263% | 4,422 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 4,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.9730% | 4,321 |
| Net loans and leases to deposits | 63.1406% | 4,594 |
| Net loans and leases to core deposits | 63.9706% | 4,871 |
| Total domestic deposits to total assets | 88.6482% | 1,831 |
| Equity capital to assets | 11.2751% | 2,367 |
| Core capital (leverage) ratio | 11.5683% | 1,912 |
| Tier 1 risk-based capital ratio | 18.4771% | 2,090 |
| Total risk-based capital ratio | 19.5577% | 2,104 |
| Memoranda: | ||
| Average total assets | $24,751,400 | 6,627 |
| Average earning assets | $17,520,800 | 6,694 |
| Average equity | $2,939,400 | 6,545 |
| Average total loans | $13,320,400 | 6,476 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 3,586 |
| Cost of funding earning assets | 0.4819% | 3,946 |
| Net interest margin | 3.6626% | 3,185 |
| Noninterest income to average assets | 0.3495% | 4,891 |
| Noninterest expense to average assets | 2.2059% | 5,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3768% | 5,348 |
| Return on assets (ROA) | 0.3768% | 5,484 |
| Pretax return on assets | 0.6334% | 4,904 |
| Return on Equity (ROE) | 3.1303% | 5,559 |
| Retained earnings to average equity (ytd only) | 3.1303% | 4,441 |
| Net charge-offs to loans | -0.0309% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6923% | 2,464 |
| Assets per employee ($millions) | 4.9554% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 53.8645% | 4,634 |
| Net loans and leases to deposits | 61.2708% | 4,837 |
| Net loans and leases to core deposits | 62.2917% | 5,086 |
| Total domestic deposits to total assets | 87.9122% | 2,186 |
| Equity capital to assets | 12.0192% | 1,904 |
| Core capital (leverage) ratio | 12.0464% | 1,646 |
| Tier 1 risk-based capital ratio | 20.8295% | 1,526 |
| Total risk-based capital ratio | 22.0116% | 1,516 |
| Memoranda: | ||
| Average total assets | $24,418,250 | 6,710 |
| Average earning assets | $16,599,500 | 6,784 |
| Average equity | $2,939,000 | 6,618 |
| Average total loans | $12,957,500 | 6,557 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,695 |
| Cost of funding earning assets | 0.5296% | 3,610 |
| Net interest margin | 3.8366% | 2,417 |
| Noninterest income to average assets | 0.3457% | 4,926 |
| Noninterest expense to average assets | 2.1483% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3674% | 5,342 |
| Return on assets (ROA) | 0.3622% | 5,533 |
| Pretax return on assets | 0.6338% | 4,901 |
| Return on Equity (ROE) | 3.0075% | 5,620 |
| Retained earnings to average equity (ytd only) | 3.0075% | 4,406 |
| Net charge-offs to loans | -0.0470% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9912% | 2,626 |
| Assets per employee ($millions) | 4.9430% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 49.9413% | 5,116 |
| Net loans and leases to deposits | 56.7573% | 5,271 |
| Net loans and leases to core deposits | 57.7018% | 5,446 |
| Total domestic deposits to total assets | 87.9911% | 2,248 |
| Equity capital to assets | 11.9442% | 1,949 |
| Core capital (leverage) ratio | 11.9553% | 1,637 |
| Tier 1 risk-based capital ratio | 21.7635% | 1,336 |
| Total risk-based capital ratio | 23.0094% | 1,312 |
| Memoranda: | ||
| Average total assets | $24,298,670 | 6,762 |
| Average earning assets | $15,482,330 | 6,855 |
| Average equity | $2,926,000 | 6,673 |
| Average total loans | $12,771,670 | 6,604 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 1,039 |
| Cost of funding earning assets | 0.6109% | 3,002 |
| Net interest margin | 4.3055% | 960 |
| Noninterest income to average assets | 0.2989% | 5,309 |
| Noninterest expense to average assets | 2.2415% | 5,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1494% | 6,044 |
| Return on assets (ROA) | 0.1494% | 6,138 |
| Pretax return on assets | 0.5147% | 5,211 |
| Return on Equity (ROE) | 1.2358% | 6,165 |
| Retained earnings to average equity (ytd only) | 1.2358% | 5,354 |
| Net charge-offs to loans | -0.0310% | 5,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3253% | 2,147 |
| Assets per employee ($millions) | 5.0020% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 47.9488% | 5,234 |
| Net loans and leases to deposits | 54.3264% | 5,406 |
| Net loans and leases to core deposits | 55.2118% | 5,585 |
| Total domestic deposits to total assets | 88.2607% | 2,155 |
| Equity capital to assets | 11.6673% | 2,279 |
| Core capital (leverage) ratio | 11.5341% | 1,858 |
| Tier 1 risk-based capital ratio | 20.5754% | 1,638 |
| Total risk-based capital ratio | 21.7529% | 1,621 |
| Memoranda: | ||
| Average total assets | $24,090,500 | 6,835 |
| Average earning assets | $13,750,000 | 6,951 |
| Average equity | $2,913,000 | 6,744 |
| Average total loans | $12,901,500 | 6,662 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0862% | 1,339 |
| Cost of funding earning assets | 0.5763% | 4,574 |
| Net interest margin | 4.5099% | 929 |
| Noninterest income to average assets | 0.3282% | 5,110 |
| Noninterest expense to average assets | 2.5820% | 4,803 |
| Loan and lease loss provision to assets | 0.0086% | 5,811 |
| Net operating income to assets | 0.4052% | 5,081 |
| Return on assets (ROA) | 0.3886% | 5,382 |
| Pretax return on assets | 0.6174% | 4,944 |
| Return on Equity (ROE) | 3.0868% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.0579% | 4,777 |
| Net charge-offs to loans | -0.0952% | 6,817 |
| Credit loss provision to net charge-offs | -16.6667% | 6,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8398% | 2,168 |
| Assets per employee ($millions) | 4.6342% | 2,724 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 58.1675% | 3,947 |
| Net loans and leases to deposits | 66.7063% | 4,181 |
| Net loans and leases to core deposits | 67.8958% | 4,545 |
| Total domestic deposits to total assets | 87.1995% | 2,706 |
| Equity capital to assets | 12.5502% | 1,673 |
| Core capital (leverage) ratio | 12.3440% | 1,382 |
| Tier 1 risk-based capital ratio | 19.2176% | 1,888 |
| Total risk-based capital ratio | 20.3146% | 1,909 |
| Memoranda: | ||
| Average total assets | $23,160,000 | 6,906 |
| Average earning assets | $14,922,600 | 6,992 |
| Average equity | $2,915,600 | 6,803 |
| Average total loans | $12,601,800 | 6,753 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 1,468 |
| Cost of funding earning assets | 0.5696% | 4,915 |
| Net interest margin | 4.5126% | 965 |
| Noninterest income to average assets | 0.3397% | 5,090 |
| Noninterest expense to average assets | 2.2915% | 5,707 |
| Loan and lease loss provision to assets | 0.0115% | 5,665 |
| Net operating income to assets | 0.8964% | 2,996 |
| Return on assets (ROA) | 0.8694% | 3,376 |
| Pretax return on assets | 0.9270% | 4,002 |
| Return on Equity (ROE) | 6.9008% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.9008% | 2,181 |
| Net charge-offs to loans | -0.0540% | 6,731 |
| Credit loss provision to net charge-offs | -40.0000% | 6,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3180% | 3,630 |
| Assets per employee ($millions) | 4.7338% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.4093% | 5,501 |
| Net loans and leases to deposits | 55.4867% | 5,677 |
| Net loans and leases to core deposits | 56.4489% | 5,856 |
| Total domestic deposits to total assets | 87.2449% | 2,531 |
| Equity capital to assets | 12.6706% | 1,785 |
| Core capital (leverage) ratio | 12.7411% | 1,301 |
| Tier 1 risk-based capital ratio | 22.2214% | 1,291 |
| Total risk-based capital ratio | 23.3995% | 1,282 |
| Memoranda: | ||
| Average total assets | $23,157,250 | 6,998 |
| Average earning assets | $14,980,000 | 7,085 |
| Average equity | $2,917,500 | 6,892 |
| Average total loans | $12,341,250 | 6,859 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 1,899 |
| Cost of funding earning assets | 0.5555% | 5,264 |
| Net interest margin | 4.4052% | 1,189 |
| Noninterest income to average assets | 0.3219% | 5,250 |
| Noninterest expense to average assets | 2.4101% | 5,424 |
| Loan and lease loss provision to assets | 0.0174% | 5,447 |
| Net operating income to assets | 0.7744% | 3,493 |
| Return on assets (ROA) | 0.7744% | 3,765 |
| Pretax return on assets | 0.8614% | 4,228 |
| Return on Equity (ROE) | 6.1585% | 4,240 |
| Retained earnings to average equity (ytd only) | 6.1585% | 2,602 |
| Net charge-offs to loans | -0.0477% | 6,655 |
| Credit loss provision to net charge-offs | -66.6667% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2804% | 3,198 |
| Assets per employee ($millions) | 4.6322% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 5,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.1842% | 4,937 |
| Net loans and leases to deposits | 60.9621% | 5,140 |
| Net loans and leases to core deposits | 61.7320% | 5,413 |
| Total domestic deposits to total assets | 87.2415% | 2,625 |
| Equity capital to assets | 12.6808% | 1,698 |
| Core capital (leverage) ratio | 12.6879% | 1,270 |
| Tier 1 risk-based capital ratio | 21.5655% | 1,378 |
| Total risk-based capital ratio | 22.7183% | 1,370 |
| Memoranda: | ||
| Average total assets | $22,986,670 | 7,060 |
| Average earning assets | $15,481,670 | 7,142 |
| Average equity | $2,890,330 | 6,935 |
| Average total loans | $12,582,670 | 6,900 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 2,290 |
| Cost of funding earning assets | 0.5516% | 5,490 |
| Net interest margin | 4.3372% | 1,361 |
| Noninterest income to average assets | 0.3144% | 5,357 |
| Noninterest expense to average assets | 2.6376% | 4,671 |
| Loan and lease loss provision to assets | 0.0349% | 4,945 |
| Net operating income to assets | 0.6638% | 4,056 |
| Return on assets (ROA) | 0.6638% | 4,273 |
| Pretax return on assets | 0.6638% | 4,900 |
| Return on Equity (ROE) | 5.3017% | 4,644 |
| Retained earnings to average equity (ytd only) | 5.3017% | 3,378 |
| Net charge-offs to loans | -0.0633% | 6,630 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0576% | 2,340 |
| Assets per employee ($millions) | 3.9598% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 5,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 52.1487% | 4,998 |
| Net loans and leases to deposits | 59.4188% | 5,226 |
| Net loans and leases to core deposits | 59.4188% | 5,584 |
| Total domestic deposits to total assets | 87.7646% | 2,491 |
| Equity capital to assets | 12.1470% | 1,945 |
| Core capital (leverage) ratio | 12.1557% | 1,501 |
| Tier 1 risk-based capital ratio | 20.5761% | 1,570 |
| Total risk-based capital ratio | 21.6241% | 1,595 |
| Memoranda: | ||
| Average total assets | $22,899,500 | 7,121 |
| Average earning assets | $15,955,000 | 7,195 |
| Average equity | $2,867,000 | 6,988 |
| Average total loans | $12,636,500 | 6,951 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 5,692 |
| Cost of funding earning assets | 0.6108% | 6,044 |
| Net interest margin | 3.7108% | 4,251 |
| Noninterest income to average assets | 0.3246% | 5,221 |
| Noninterest expense to average assets | 2.9870% | 3,637 |
| Loan and lease loss provision to assets | 0.1176% | 5,132 |
| Net operating income to assets | 0.1787% | 5,649 |
| Return on assets (ROA) | 0.1787% | 5,788 |
| Pretax return on assets | 0.2493% | 5,672 |
| Return on Equity (ROE) | 1.3319% | 5,879 |
| Retained earnings to average equity (ytd only) | 0.2804% | 5,704 |
| Net charge-offs to loans | 0.1298% | 5,104 |
| Credit loss provision to net charge-offs | 166.6667% | 1,619 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,872 |
| Efficiency ratio | 89.0603% | 1,267 |
| Assets per employee ($millions) | 3.6733% | 4,605 |
| Cash dividends to net income (ytd only)* | 78.9474% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 57.0554% | 4,537 |
| Net loans and leases to deposits | 65.5904% | 4,788 |
| Net loans and leases to core deposits | 65.5904% | 5,307 |
| Total domestic deposits to total assets | 86.9873% | 2,770 |
| Equity capital to assets | 12.9220% | 1,530 |
| Core capital (leverage) ratio | 12.7787% | 1,234 |
| Tier 1 risk-based capital ratio | 21.1700% | 1,382 |
| Total risk-based capital ratio | 22.2999% | 1,381 |
| Memoranda: | ||
| Average total assets | $21,258,800 | 7,175 |
| Average earning assets | $17,354,600 | 7,196 |
| Average equity | $2,853,000 | 7,043 |
| Average total loans | $11,557,600 | 7,055 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 6,002 |
| Cost of funding earning assets | 0.6412% | 6,084 |
| Net interest margin | 3.6409% | 4,611 |
| Noninterest income to average assets | 0.3165% | 5,327 |
| Noninterest expense to average assets | 2.7978% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2955% | 5,411 |
| Return on assets (ROA) | 0.2469% | 5,722 |
| Pretax return on assets | 0.4621% | 5,280 |
| Return on Equity (ROE) | 1.8218% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.8218% | 5,225 |
| Net charge-offs to loans | -0.3433% | 7,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8710% | 1,742 |
| Assets per employee ($millions) | 3.6803% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,437 |
| 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 | 53.5549% | 5,233 |
| Net loans and leases to deposits | 61.6580% | 5,443 |
| Net loans and leases to core deposits | 62.4954% | 5,770 |
| Total domestic deposits to total assets | 86.8581% | 2,738 |
| Equity capital to assets | 13.0378% | 1,601 |
| Core capital (leverage) ratio | 12.8435% | 1,275 |
| Tier 1 risk-based capital ratio | 17.1053% | 2,602 |
| Total risk-based capital ratio | 18.1213% | 2,661 |
| Memoranda: | ||
| Average total assets | $21,063,500 | 7,250 |
| Average earning assets | $17,467,750 | 7,267 |
| Average equity | $2,854,250 | 7,108 |
| Average total loans | $11,265,250 | 7,137 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 6,420 |
| Cost of funding earning assets | 0.6677% | 6,133 |
| Net interest margin | 3.4632% | 5,311 |
| Noninterest income to average assets | 0.2992% | 5,496 |
| Noninterest expense to average assets | 2.8083% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1687% | 5,835 |
| Return on assets (ROA) | 0.1255% | 6,039 |
| Pretax return on assets | 0.3764% | 5,466 |
| Return on Equity (ROE) | 0.9136% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.9136% | 5,503 |
| Net charge-offs to loans | -0.4900% | 7,401 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3501% | 1,565 |
| Assets per employee ($millions) | 3.5858% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 3,726 |
| 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 | 48.5801% | 5,987 |
| Net loans and leases to deposits | 56.0760% | 6,132 |
| Net loans and leases to core deposits | 56.8600% | 6,357 |
| Total domestic deposits to total assets | 86.6326% | 2,966 |
| Equity capital to assets | 13.2605% | 1,403 |
| Core capital (leverage) ratio | 13.5124% | 990 |
| Tier 1 risk-based capital ratio | 24.1595% | 988 |
| Total risk-based capital ratio | 25.4128% | 965 |
| Memoranda: | ||
| Average total assets | $20,724,000 | 7,332 |
| Average earning assets | $17,671,330 | 7,337 |
| Average equity | $2,846,000 | 7,169 |
| Average total loans | $11,021,330 | 7,218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 6,298 |
| Cost of funding earning assets | 0.7329% | 5,961 |
| Net interest margin | 3.4585% | 5,186 |
| Noninterest income to average assets | 0.2755% | 5,700 |
| Noninterest expense to average assets | 2.9318% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1362% | 5,986 |
| Return on assets (ROA) | 0.0984% | 6,153 |
| Pretax return on assets | 0.2558% | 5,793 |
| Return on Equity (ROE) | 0.7036% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.7036% | 5,543 |
| Net charge-offs to loans | 0.2495% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 3,171 |
| Efficiency ratio | 90.3030% | 1,310 |
| Assets per employee ($millions) | 3.4573% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 5,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 50.7135% | 5,752 |
| Net loans and leases to deposits | 58.8630% | 5,842 |
| Net loans and leases to core deposits | 59.7150% | 6,118 |
| Total domestic deposits to total assets | 86.1550% | 3,432 |
| Equity capital to assets | 13.7148% | 1,098 |
| Core capital (leverage) ratio | 12.9630% | 1,130 |
| Tier 1 risk-based capital ratio | 22.0782% | 1,214 |
| Total risk-based capital ratio | 23.1259% | 1,216 |
| Memoranda: | ||
| Average total assets | $20,328,500 | 7,394 |
| Average earning assets | $17,464,000 | 7,397 |
| Average equity | $2,842,500 | 7,214 |
| Average total loans | $11,221,500 | 7,260 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 5,653 |
| Cost of funding earning assets | 0.8706% | 6,294 |
| Net interest margin | 3.8699% | 3,638 |
| Noninterest income to average assets | 0.3843% | 5,027 |
| Noninterest expense to average assets | 3.1886% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4136% | 4,485 |
| Return on assets (ROA) | 0.3947% | 4,710 |
| Pretax return on assets | 0.5401% | 4,500 |
| Return on Equity (ROE) | 2.6779% | 5,096 |
| Retained earnings to average equity (ytd only) | 1.6209% | 4,709 |
| Net charge-offs to loans | -0.0966% | 7,500 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9239% | 1,809 |
| Assets per employee ($millions) | 3.3188% | 5,389 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 5,491 |
| Loan loss allowance to noncurrent loans | 1,183.3333% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 7,075 |
| Noncurrent loans to loans | 0.1018% | 6,885 |
| Net loans and leases to total assets | 58.4844% | 4,958 |
| Net loans and leases to deposits | 68.3130% | 5,064 |
| Net loans and leases to core deposits | 71.6853% | 5,243 |
| Total domestic deposits to total assets | 85.6124% | 3,550 |
| Equity capital to assets | 14.2620% | 961 |
| Core capital (leverage) ratio | 13.6113% | 955 |
| Tier 1 risk-based capital ratio | 23.2501% | 1,005 |
| Total risk-based capital ratio | 24.4126% | 996 |
| Memoranda: | ||
| Average total assets | $19,256,200 | 7,481 |
| Average earning assets | $16,770,400 | 7,480 |
| Average equity | $2,838,000 | 7,318 |
| Average total loans | $11,385,800 | 7,332 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 5,867 |
| Cost of funding earning assets | 0.8825% | 6,465 |
| Net interest margin | 3.8638% | 3,685 |
| Noninterest income to average assets | 0.4120% | 4,863 |
| Noninterest expense to average assets | 2.9750% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6449% | 3,679 |
| Return on assets (ROA) | 0.6285% | 3,927 |
| Pretax return on assets | 0.8101% | 3,868 |
| Return on Equity (ROE) | 4.2291% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.2291% | 3,512 |
| Net charge-offs to loans | -0.0472% | 7,463 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1651% | 2,607 |
| Assets per employee ($millions) | 2.3921% | 7,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 58.2014% | 5,234 |
| Net loans and leases to deposits | 68.6091% | 5,336 |
| Net loans and leases to core deposits | 69.6909% | 5,780 |
| Total domestic deposits to total assets | 84.8304% | 3,706 |
| Equity capital to assets | 15.0651% | 876 |
| Core capital (leverage) ratio | 14.4432% | 826 |
| Tier 1 risk-based capital ratio | 25.5449% | 814 |
| Total risk-based capital ratio | 26.7411% | 802 |
| Memoranda: | ||
| Average total assets | $19,092,000 | 7,580 |
| Average earning assets | $16,770,500 | 7,578 |
| Average equity | $2,837,500 | 7,412 |
| Average total loans | $11,285,250 | 7,436 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 5,785 |
| Cost of funding earning assets | 0.8912% | 6,621 |
| Net interest margin | 3.9140% | 3,383 |
| Noninterest income to average assets | 0.4089% | 4,835 |
| Noninterest expense to average assets | 2.9040% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6330% | 3,719 |
| Return on assets (ROA) | 0.6185% | 3,924 |
| Pretax return on assets | 0.8911% | 3,532 |
| Return on Equity (ROE) | 4.1809% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.1809% | 3,411 |
| Net charge-offs to loans | -0.1949% | 7,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0989% | 3,061 |
| Assets per employee ($millions) | 2.5119% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 5,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.5907% | 5,904 |
| Net loans and leases to deposits | 63.7198% | 6,061 |
| Net loans and leases to core deposits | 64.6664% | 6,349 |
| Total domestic deposits to total assets | 85.6731% | 3,278 |
| Equity capital to assets | 14.2025% | 1,105 |
| Core capital (leverage) ratio | 14.5605% | 806 |
| Tier 1 risk-based capital ratio | 24.5210% | 891 |
| Total risk-based capital ratio | 25.7410% | 873 |
| Memoranda: | ||
| Average total assets | $19,077,000 | 7,648 |
| Average earning assets | $16,607,000 | 7,646 |
| Average equity | $2,822,330 | 7,470 |
| Average total loans | $11,289,330 | 7,490 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 5,294 |
| Cost of funding earning assets | 0.9422% | 6,612 |
| Net interest margin | 3.9918% | 2,902 |
| Noninterest income to average assets | 0.4524% | 4,444 |
| Noninterest expense to average assets | 3.0806% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5528% | 4,126 |
| Return on assets (ROA) | 0.5386% | 4,328 |
| Pretax return on assets | 0.8186% | 3,794 |
| Return on Equity (ROE) | 3.5632% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.5632% | 4,014 |
| Net charge-offs to loans | -0.1055% | 7,524 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 2,799 |
| Assets per employee ($millions) | 3.1630% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,619 |
| Loan loss allowance to noncurrent loans | 406.0606% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 7,041 |
| Noncurrent loans to loans | 0.2901% | 6,747 |
| Net loans and leases to total assets | 59.2370% | 5,250 |
| Net loans and leases to deposits | 69.7308% | 5,384 |
| Net loans and leases to core deposits | 69.7308% | 5,944 |
| Total domestic deposits to total assets | 84.9510% | 3,698 |
| Equity capital to assets | 14.8540% | 919 |
| Core capital (leverage) ratio | 14.6472% | 815 |
| Tier 1 risk-based capital ratio | 22.1167% | 1,187 |
| Total risk-based capital ratio | 23.1681% | 1,199 |
| Memoranda: | ||
| Average total assets | $18,568,000 | 7,761 |
| Average earning assets | $16,133,000 | 7,750 |
| Average equity | $2,806,500 | 7,549 |
| Average total loans | $11,378,000 | 7,574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 4,585 |
| Cost of funding earning assets | 1.0504% | 7,099 |
| Net interest margin | 4.3702% | 1,516 |
| Noninterest income to average assets | 0.5266% | 4,204 |
| Noninterest expense to average assets | 3.4255% | 2,597 |
| Loan and lease loss provision to assets | 0.0736% | 6,850 |
| Net operating income to assets | 0.6829% | 3,005 |
| Return on assets (ROA) | 0.6738% | 3,091 |
| Pretax return on assets | 0.8323% | 3,140 |
| Return on Equity (ROE) | 4.2558% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.1829% | 2,932 |
| Net charge-offs to loans | -0.0285% | 7,811 |
| Credit loss provision to net charge-offs | -433.3333% | 7,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8787% | 3,061 |
| Assets per employee ($millions) | 3.0263% | 6,155 |
| Cash dividends to net income (ytd only)* | 25.2101% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,639 |
| Loan loss allowance to noncurrent loans | 451.7241% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 7,075 |
| Noncurrent loans to loans | 0.2548% | 6,786 |
| Net loans and leases to total assets | 61.9507% | 4,999 |
| Net loans and leases to deposits | 73.4365% | 5,130 |
| Net loans and leases to core deposits | 78.0097% | 6,257 |
| Total domestic deposits to total assets | 84.3595% | 3,859 |
| Equity capital to assets | 15.3872% | 821 |
| Core capital (leverage) ratio | 15.2278% | 736 |
| Tier 1 risk-based capital ratio | 21.4297% | 1,230 |
| Total risk-based capital ratio | 22.4344% | 1,236 |
| Memoranda: | ||
| Average total assets | $17,661,800 | 7,837 |
| Average earning assets | $15,422,800 | 7,833 |
| Average equity | $2,796,200 | 7,649 |
| Average total loans | $10,530,200 | 7,680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4134% | 4,880 |
| Cost of funding earning assets | 1.0757% | 7,230 |
| Net interest margin | 4.3376% | 1,624 |
| Noninterest income to average assets | 0.5322% | 4,220 |
| Noninterest expense to average assets | 3.1018% | 3,643 |
| Loan and lease loss provision to assets | 0.0988% | 6,378 |
| Net operating income to assets | 1.1328% | 1,628 |
| Return on assets (ROA) | 1.1176% | 1,745 |
| Pretax return on assets | 1.1176% | 2,511 |
| Return on Equity (ROE) | 7.0081% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.0081% | 1,503 |
| Net charge-offs to loans | -0.0517% | 7,858 |
| Credit loss provision to net charge-offs | -325.0000% | 7,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5789% | 4,317 |
| Assets per employee ($millions) | 2.9270% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,187 |
| Loan loss allowance to noncurrent loans | 400.0000% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 7,011 |
| Noncurrent loans to loans | 0.2965% | 6,766 |
| Net loans and leases to total assets | 62.6182% | 5,133 |
| Net loans and leases to deposits | 74.9983% | 5,206 |
| Net loans and leases to core deposits | 77.8714% | 6,501 |
| Total domestic deposits to total assets | 83.4928% | 3,968 |
| Equity capital to assets | 16.3421% | 734 |
| Core capital (leverage) ratio | 15.8109% | 706 |
| Tier 1 risk-based capital ratio | 24.8356% | 916 |
| Total risk-based capital ratio | 25.9778% | 901 |
| Memoranda: | ||
| Average total assets | $17,537,750 | 7,918 |
| Average earning assets | $15,369,000 | 7,917 |
| Average equity | $2,796,750 | 7,720 |
| Average total loans | $10,317,750 | 7,762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 5,242 |
| Cost of funding earning assets | 1.1104% | 7,353 |
| Net interest margin | 4.2697% | 1,752 |
| Noninterest income to average assets | 0.5020% | 4,428 |
| Noninterest expense to average assets | 3.0006% | 4,083 |
| Loan and lease loss provision to assets | 0.0456% | 6,773 |
| Net operating income to assets | 1.1409% | 1,627 |
| Return on assets (ROA) | 1.1295% | 1,750 |
| Pretax return on assets | 1.1295% | 2,539 |
| Return on Equity (ROE) | 7.1420% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.1420% | 1,530 |
| Net charge-offs to loans | -0.1592% | 8,009 |
| Credit loss provision to net charge-offs | -50.0000% | 6,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6621% | 4,479 |
| Assets per employee ($millions) | 2.9735% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 4,924 |
| Loan loss allowance to noncurrent loans | 352.7778% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 7,010 |
| Noncurrent loans to loans | 0.3407% | 6,662 |
| Net loans and leases to total assets | 58.5113% | 5,900 |
| Net loans and leases to deposits | 69.6769% | 6,018 |
| Net loans and leases to core deposits | 72.1972% | 6,885 |
| Total domestic deposits to total assets | 83.9751% | 3,792 |
| Equity capital to assets | 15.8119% | 863 |
| Core capital (leverage) ratio | 15.9812% | 742 |
| Tier 1 risk-based capital ratio | 23.6880% | 1,071 |
| Total risk-based capital ratio | 24.7544% | 1,064 |
| Memoranda: | ||
| Average total assets | $17,529,670 | 8,001 |
| Average earning assets | $15,130,000 | 8,003 |
| Average equity | $2,772,330 | 7,798 |
| Average total loans | $10,047,330 | 7,858 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 5,200 |
| Cost of funding earning assets | 1.1706% | 7,366 |
| Net interest margin | 4.2741% | 1,664 |
| Noninterest income to average assets | 0.5065% | 4,267 |
| Noninterest expense to average assets | 2.9239% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1972% | 1,659 |
| Return on assets (ROA) | 1.1972% | 1,775 |
| Pretax return on assets | 1.1972% | 2,637 |
| Return on Equity (ROE) | 7.5691% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.5691% | 1,996 |
| Net charge-offs to loans | -0.2043% | 8,012 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9497% | 4,385 |
| Assets per employee ($millions) | 2.1778% | 7,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,542 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 6,697 |
| Noncurrent loans to loans | 0.3711% | 6,493 |
| Net loans and leases to total assets | 54.9937% | 6,355 |
| Net loans and leases to deposits | 65.5604% | 6,415 |
| Net loans and leases to core deposits | 67.9841% | 7,133 |
| Total domestic deposits to total assets | 83.8824% | 3,759 |
| Equity capital to assets | 15.9224% | 884 |
| Core capital (leverage) ratio | 15.6299% | 838 |
| Tier 1 risk-based capital ratio | 26.3538% | 861 |
| Total risk-based capital ratio | 27.4938% | 854 |
| Memoranda: | ||
| Average total assets | $17,374,000 | 8,053 |
| Average earning assets | $14,693,000 | 8,067 |
| Average equity | $2,748,000 | 7,857 |
| Average total loans | $9,788,000 | 7,919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1122% | 4,979 |
| Cost of funding earning assets | 1.4982% | 7,615 |
| Net interest margin | 4.6141% | 1,138 |
| Noninterest income to average assets | 0.5430% | 4,288 |
| Noninterest expense to average assets | 3.5934% | 2,165 |
| Loan and lease loss provision to assets | 0.0610% | 6,643 |
| Net operating income to assets | 0.5330% | 4,606 |
| Return on assets (ROA) | 0.5369% | 4,439 |
| Pretax return on assets | 0.8968% | 3,732 |
| Return on Equity (ROE) | 3.2082% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.1145% | 3,915 |
| Net charge-offs to loans | 0.0647% | 5,849 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,307 |
| Efficiency ratio | 79.0604% | 2,743 |
| Assets per employee ($millions) | 2.1658% | 7,754 |
| Cash dividends to net income (ytd only)* | 34.0909% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 4,819 |
| Loan loss allowance to noncurrent loans | 310.8108% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,471 |
| Noncurrent loans to loans | 0.3747% | 6,233 |
| Net loans and leases to total assets | 56.3315% | 6,394 |
| Net loans and leases to deposits | 67.0146% | 6,561 |
| Net loans and leases to core deposits | 68.9948% | 7,250 |
| Total domestic deposits to total assets | 84.0586% | 3,299 |
| Equity capital to assets | 15.7105% | 994 |
| Core capital (leverage) ratio | 16.7425% | 731 |
| Tier 1 risk-based capital ratio | 26.4889% | 863 |
| Total risk-based capital ratio | 27.6080% | 852 |
| Memoranda: | ||
| Average total assets | $16,391,200 | 8,130 |
| Average earning assets | $14,217,400 | 8,129 |
| Average equity | $2,743,000 | 7,916 |
| Average total loans | $9,271,800 | 7,973 |