Home > The Baltic State Bank > Performance and Condition Ratios
The Baltic State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6981% | 928 |
| Cost of funding earning assets | 1.4420% | 2,100 |
| Net interest margin | 4.2561% | 867 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 3.0964% | 964 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0787% | 1,975 |
| Return on assets (ROA) | 1.0787% | 1,952 |
| Pretax return on assets | 1.0787% | 2,473 |
| Return on Equity (ROE) | 17.3200% | 911 |
| Retained earnings to average equity (ytd only) | 7.6782% | 1,640 |
| Net charge-offs to loans | -0.0230% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.2860% | 1,635 |
| Assets per employee ($millions) | 4.9881% | 3,644 |
| Cash dividends to net income (ytd only)* | 55.6797% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 3,667 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.2500% | 944 |
| Net loans and leases to deposits | 83.2134% | 1,841 |
| Net loans and leases to core deposits | 87.7629% | 2,187 |
| Total domestic deposits to total assets | 92.8300% | 189 |
| Equity capital to assets | 6.2825% | 4,168 |
| Core capital (leverage) ratio | 7.7757% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5852% | 2,694 |
| Memoranda: | ||
| Average total assets | $99,567,400 | 3,838 |
| Average earning assets | $91,680,400 | 3,823 |
| Average equity | $6,199,400 | 4,143 |
| Average total loans | $78,268,000 | 3,434 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 782 |
| Cost of funding earning assets | 1.3022% | 1,707 |
| Net interest margin | 4.2454% | 868 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.1154% | 891 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.0691% | 2,210 |
| Return on assets (ROA) | 1.0691% | 2,206 |
| Pretax return on assets | 1.0691% | 2,725 |
| Return on Equity (ROE) | 17.1800% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.1292% | 2,244 |
| Net charge-offs to loans | -0.0182% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.5369% | 1,504 |
| Assets per employee ($millions) | 4.9419% | 3,642 |
| Cash dividends to net income (ytd only)* | 58.5086% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 3,839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.9100% | 843 |
| Net loans and leases to deposits | 83.6749% | 1,700 |
| Net loans and leases to core deposits | 87.3651% | 1,978 |
| Total domestic deposits to total assets | 93.1100% | 238 |
| Equity capital to assets | 6.2162% | 4,094 |
| Core capital (leverage) ratio | 7.5157% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7564% | 2,694 |
| Memoranda: | ||
| Average total assets | $97,835,333 | 3,875 |
| Average earning assets | $90,310,333 | 3,862 |
| Average equity | $6,087,667 | 4,182 |
| Average total loans | $76,880,333 | 3,465 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6220% | 506 |
| Cost of funding earning assets | 1.2653% | 1,310 |
| Net interest margin | 4.3567% | 736 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.1890% | 816 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.0685% | 2,323 |
| Return on assets (ROA) | 1.0685% | 2,294 |
| Pretax return on assets | 1.0685% | 2,802 |
| Return on Equity (ROE) | 17.1600% | 1,146 |
| Retained earnings to average equity (ytd only) | 17.1631% | 578 |
| Net charge-offs to loans | -0.0209% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.0009% | 1,433 |
| Assets per employee ($millions) | 5.2383% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 3,998 |
| 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 | 76.8000% | 894 |
| Net loans and leases to deposits | 82.2308% | 1,639 |
| Net loans and leases to core deposits | 85.5688% | 1,891 |
| Total domestic deposits to total assets | 93.3900% | 246 |
| Equity capital to assets | 6.3409% | 4,089 |
| Core capital (leverage) ratio | 7.1516% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8537% | 2,961 |
| Memoranda: | ||
| Average total assets | $97,334,000 | 3,929 |
| Average earning assets | $89,149,500 | 3,926 |
| Average equity | $6,059,500 | 4,239 |
| Average total loans | $76,478,500 | 3,507 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 940 |
| Cost of funding earning assets | 0.2974% | 2,898 |
| Net interest margin | 4.0697% | 702 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.1110% | 821 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9262% | 2,859 |
| Return on assets (ROA) | 0.9262% | 2,802 |
| Pretax return on assets | 0.9262% | 3,279 |
| Return on Equity (ROE) | 14.3500% | 1,446 |
| Retained earnings to average equity (ytd only) | 10.3520% | 1,056 |
| Net charge-offs to loans | 0.1005% | 735 |
| Credit loss provision to net charge-offs | 164.3836% | 1,240 |
| Earnings coverage of net charge-offs (x) | 13.3562% | 2,072 |
| Efficiency ratio | 74.6556% | 1,154 |
| Assets per employee ($millions) | 4.7570% | 3,848 |
| Cash dividends to net income (ytd only)* | 27.8363% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 3,991 |
| 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 | 79.0900% | 686 |
| Net loans and leases to deposits | 84.5054% | 1,426 |
| Net loans and leases to core deposits | 86.9204% | 1,686 |
| Total domestic deposits to total assets | 93.5900% | 293 |
| Equity capital to assets | 6.1047% | 4,053 |
| Core capital (leverage) ratio | 8.0685% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8557% | 2,986 |
| Memoranda: | ||
| Average total assets | $92,317,400 | 3,990 |
| Average earning assets | $85,756,400 | 3,971 |
| Average equity | $5,960,200 | 4,334 |
| Average total loans | $72,643,000 | 3,527 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 818 |
| Cost of funding earning assets | 0.2604% | 2,598 |
| Net interest margin | 3.9822% | 659 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.1072% | 777 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.9271% | 2,770 |
| Return on assets (ROA) | 0.9271% | 2,738 |
| Pretax return on assets | 0.9271% | 3,245 |
| Return on Equity (ROE) | 14.1600% | 1,385 |
| Retained earnings to average equity (ytd only) | 12.2033% | 750 |
| Net charge-offs to loans | 0.0835% | 716 |
| Credit loss provision to net charge-offs | 166.6667% | 1,074 |
| Earnings coverage of net charge-offs (x) | 15.8222% | 1,834 |
| Efficiency ratio | 74.9912% | 1,175 |
| Assets per employee ($millions) | 4.7292% | 3,890 |
| Cash dividends to net income (ytd only)* | 13.8148% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 4,058 |
| 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 | 81.7000% | 400 |
| Net loans and leases to deposits | 88.6297% | 986 |
| Net loans and leases to core deposits | 90.0595% | 1,292 |
| Total domestic deposits to total assets | 92.1800% | 825 |
| Equity capital to assets | 6.4271% | 3,776 |
| Core capital (leverage) ratio | 7.8748% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9297% | 2,838 |
| Memoranda: | ||
| Average total assets | $91,611,750 | 4,025 |
| Average earning assets | $86,013,250 | 3,997 |
| Average equity | $5,998,250 | 4,372 |
| Average total loans | $71,836,500 | 3,554 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 761 |
| Cost of funding earning assets | 0.2514% | 2,246 |
| Net interest margin | 3.8518% | 672 |
| Noninterest income to average assets | 0.3926% | 2,803 |
| Noninterest expense to average assets | 3.0261% | 815 |
| Loan and lease loss provision to assets | 0.0976% | 1,026 |
| Net operating income to assets | 0.8916% | 2,617 |
| Return on assets (ROA) | 0.8916% | 2,592 |
| Pretax return on assets | 0.8916% | 3,095 |
| Return on Equity (ROE) | 13.5361% | 1,231 |
| Retained earnings to average equity (ytd only) | 11.6259% | 674 |
| Net charge-offs to loans | 0.0084% | 1,669 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 636 |
| Efficiency ratio | 75.3647% | 1,347 |
| Assets per employee ($millions) | 4.5833% | 4,018 |
| Cash dividends to net income (ytd only)* | 14.1119% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 4,114 |
| 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 | 79.8549% | 417 |
| Net loans and leases to deposits | 85.7493% | 994 |
| Net loans and leases to core deposits | 87.3611% | 1,250 |
| Total domestic deposits to total assets | 93.1261% | 485 |
| Equity capital to assets | 6.3699% | 4,072 |
| Core capital (leverage) ratio | 7.6015% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5388% | 2,917 |
| Memoranda: | ||
| Average total assets | $92,197,667 | 4,063 |
| Average earning assets | $86,712,333 | 4,040 |
| Average equity | $6,072,667 | 4,404 |
| Average total loans | $71,110,000 | 3,604 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 777 |
| Cost of funding earning assets | 0.2536% | 2,117 |
| Net interest margin | 3.7442% | 695 |
| Noninterest income to average assets | 0.4066% | 2,642 |
| Noninterest expense to average assets | 3.2012% | 603 |
| Loan and lease loss provision to assets | 0.0995% | 841 |
| Net operating income to assets | 0.6186% | 3,335 |
| Return on assets (ROA) | 0.6186% | 3,319 |
| Pretax return on assets | 0.6186% | 3,587 |
| Return on Equity (ROE) | 9.2415% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.2415% | 1,207 |
| Net charge-offs to loans | 0.0172% | 1,188 |
| Credit loss provision to net charge-offs | 766.6667% | 404 |
| Earnings coverage of net charge-offs (x) | 55.3333% | 885 |
| Efficiency ratio | 81.6777% | 1,013 |
| Assets per employee ($millions) | 4.3214% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,176 |
| 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 | 77.3774% | 425 |
| Net loans and leases to deposits | 83.2069% | 936 |
| Net loans and leases to core deposits | 87.6983% | 1,039 |
| Total domestic deposits to total assets | 92.9939% | 274 |
| Equity capital to assets | 6.6105% | 4,381 |
| Core capital (leverage) ratio | 7.3715% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4901% | 2,981 |
| Memoranda: | ||
| Average total assets | $92,464,000 | 4,074 |
| Average earning assets | $86,746,500 | 4,057 |
| Average equity | $6,189,500 | 4,449 |
| Average total loans | $69,757,000 | 3,629 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 1,088 |
| Cost of funding earning assets | 0.4094% | 1,473 |
| Net interest margin | 3.7370% | 1,126 |
| Noninterest income to average assets | 0.3146% | 3,525 |
| Noninterest expense to average assets | 3.0695% | 888 |
| Loan and lease loss provision to assets | 0.0897% | 1,382 |
| Net operating income to assets | 0.6001% | 3,877 |
| Return on assets (ROA) | 0.6001% | 3,919 |
| Pretax return on assets | 0.6001% | 4,109 |
| Return on Equity (ROE) | 8.8376% | 2,973 |
| Retained earnings to average equity (ytd only) | 6.0032% | 2,361 |
| Net charge-offs to loans | 0.0149% | 2,017 |
| Credit loss provision to net charge-offs | 830.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 63.8000% | 1,135 |
| Efficiency ratio | 81.6508% | 707 |
| Assets per employee ($millions) | 4.9567% | 3,766 |
| Cash dividends to net income (ytd only)* | 32.0721% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 4,203 |
| 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 | 72.3364% | 822 |
| Net loans and leases to deposits | 78.4706% | 1,357 |
| Net loans and leases to core deposits | 84.1694% | 1,317 |
| Total domestic deposits to total assets | 92.1829% | 137 |
| Equity capital to assets | 6.7744% | 4,756 |
| Core capital (leverage) ratio | 7.2453% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8372% | 3,061 |
| Memoranda: | ||
| Average total assets | $92,491,000 | 4,076 |
| Average earning assets | $85,255,800 | 4,069 |
| Average equity | $6,280,000 | 4,504 |
| Average total loans | $67,213,400 | 3,707 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 1,116 |
| Cost of funding earning assets | 0.4422% | 1,406 |
| Net interest margin | 3.7539% | 1,216 |
| Noninterest income to average assets | 0.2969% | 3,668 |
| Noninterest expense to average assets | 3.0947% | 828 |
| Loan and lease loss provision to assets | 0.0869% | 1,367 |
| Net operating income to assets | 0.5575% | 4,087 |
| Return on assets (ROA) | 0.5575% | 4,129 |
| Pretax return on assets | 0.5575% | 4,290 |
| Return on Equity (ROE) | 8.2066% | 3,344 |
| Retained earnings to average equity (ytd only) | 6.3095% | 2,689 |
| Net charge-offs to loans | 0.0199% | 1,652 |
| Credit loss provision to net charge-offs | 600.0000% | 701 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,297 |
| Efficiency ratio | 82.7653% | 594 |
| Assets per employee ($millions) | 4.2700% | 4,287 |
| Cash dividends to net income (ytd only)* | 23.1169% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 4,345 |
| 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 | 76.1372% | 542 |
| Net loans and leases to deposits | 82.4085% | 1,079 |
| Net loans and leases to core deposits | 88.6881% | 1,114 |
| Total domestic deposits to total assets | 92.3900% | 72 |
| Equity capital to assets | 7.1305% | 4,782 |
| Core capital (leverage) ratio | 7.2144% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8062% | 3,002 |
| Memoranda: | ||
| Average total assets | $92,069,250 | 4,133 |
| Average earning assets | $84,425,750 | 4,127 |
| Average equity | $6,255,000 | 4,571 |
| Average total loans | $66,841,750 | 3,759 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 1,156 |
| Cost of funding earning assets | 0.4847% | 1,294 |
| Net interest margin | 3.7325% | 1,264 |
| Noninterest income to average assets | 0.2929% | 3,675 |
| Noninterest expense to average assets | 3.0021% | 979 |
| Loan and lease loss provision to assets | 0.0818% | 1,488 |
| Net operating income to assets | 0.5922% | 3,999 |
| Return on assets (ROA) | 0.5922% | 4,054 |
| Pretax return on assets | 0.5922% | 4,245 |
| Return on Equity (ROE) | 8.8586% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.9580% | 2,446 |
| Net charge-offs to loans | 0.0332% | 1,319 |
| Credit loss provision to net charge-offs | 345.4545% | 829 |
| Earnings coverage of net charge-offs (x) | 28.4545% | 1,336 |
| Efficiency ratio | 81.6637% | 695 |
| Assets per employee ($millions) | 4.5139% | 4,097 |
| Cash dividends to net income (ytd only)* | 21.4545% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 4,370 |
| 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 | 73.1792% | 840 |
| Net loans and leases to deposits | 78.8852% | 1,533 |
| Net loans and leases to core deposits | 84.8138% | 1,506 |
| Total domestic deposits to total assets | 92.7667% | 49 |
| Equity capital to assets | 6.9553% | 4,854 |
| Core capital (leverage) ratio | 7.0653% | 4,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9821% | 3,081 |
| Memoranda: | ||
| Average total assets | $92,868,667 | 4,142 |
| Average earning assets | $84,179,667 | 4,154 |
| Average equity | $6,208,667 | 4,602 |
| Average total loans | $66,180,667 | 3,793 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 1,276 |
| Cost of funding earning assets | 0.5586% | 1,057 |
| Net interest margin | 3.5978% | 1,595 |
| Noninterest income to average assets | 0.2889% | 3,681 |
| Noninterest expense to average assets | 3.1349% | 795 |
| Loan and lease loss provision to assets | 0.0637% | 1,863 |
| Net operating income to assets | 0.3186% | 4,491 |
| Return on assets (ROA) | 0.3186% | 4,527 |
| Pretax return on assets | 0.3186% | 4,580 |
| Return on Equity (ROE) | 4.8595% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.8595% | 3,268 |
| Net charge-offs to loans | 0.0606% | 919 |
| Credit loss provision to net charge-offs | 150.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,551 |
| Efficiency ratio | 89.1304% | 400 |
| Assets per employee ($millions) | 4.6770% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7284% | 4,524 |
| 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 | 73.7233% | 839 |
| Net loans and leases to deposits | 79.2152% | 1,593 |
| Net loans and leases to core deposits | 88.1695% | 1,358 |
| Total domestic deposits to total assets | 93.0671% | 29 |
| Equity capital to assets | 6.5299% | 4,903 |
| Core capital (leverage) ratio | 6.6787% | 4,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9205% | 3,062 |
| Memoranda: | ||
| Average total assets | $94,164,500 | 4,139 |
| Average earning assets | $84,496,500 | 4,161 |
| Average equity | $6,173,500 | 4,627 |
| Average total loans | $65,974,500 | 3,814 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 794 |
| Cost of funding earning assets | 0.8435% | 1,040 |
| Net interest margin | 3.9124% | 1,179 |
| Noninterest income to average assets | 0.2925% | 3,734 |
| Noninterest expense to average assets | 3.3049% | 902 |
| Loan and lease loss provision to assets | 0.1121% | 2,947 |
| Net operating income to assets | 0.4152% | 4,216 |
| Return on assets (ROA) | 0.4152% | 4,294 |
| Pretax return on assets | 0.4152% | 4,397 |
| Return on Equity (ROE) | 5.6893% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.1012% | 3,783 |
| Net charge-offs to loans | -0.0031% | 4,042 |
| Credit loss provision to net charge-offs | -4,750.0000% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2419% | 522 |
| Assets per employee ($millions) | 4.5138% | 3,902 |
| Cash dividends to net income (ytd only)* | 63.0682% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,418 |
| Loan loss allowance to noncurrent loans | 1,115.5556% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,103 |
| Noncurrent loans to loans | 0.0721% | 4,007 |
| Net loans and leases to total assets | 65.2822% | 2,189 |
| Net loans and leases to deposits | 70.2730% | 2,854 |
| Net loans and leases to core deposits | 78.1030% | 2,538 |
| Total domestic deposits to total assets | 92.8980% | 16 |
| Equity capital to assets | 6.5819% | 4,952 |
| Core capital (leverage) ratio | 6.9245% | 4,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8872% | 3,083 |
| Memoranda: | ||
| Average total assets | $84,782,800 | 4,192 |
| Average earning assets | $76,705,200 | 4,208 |
| Average equity | $6,187,000 | 4,623 |
| Average total loans | $64,252,400 | 3,843 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8896% | 744 |
| Cost of funding earning assets | 0.8969% | 1,079 |
| Net interest margin | 3.9927% | 1,132 |
| Noninterest income to average assets | 0.2982% | 3,699 |
| Noninterest expense to average assets | 3.4029% | 797 |
| Loan and lease loss provision to assets | 0.1057% | 2,998 |
| Net operating income to assets | 0.4618% | 4,138 |
| Return on assets (ROA) | 0.4618% | 4,208 |
| Pretax return on assets | 0.4618% | 4,357 |
| Return on Equity (ROE) | 6.1547% | 3,499 |
| Retained earnings to average equity (ytd only) | 3.2825% | 3,400 |
| Net charge-offs to loans | -0.0021% | 3,886 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 516 |
| Assets per employee ($millions) | 4.3512% | 3,996 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 4,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.5325% | 1,584 |
| Net loans and leases to deposits | 78.4792% | 2,482 |
| Net loans and leases to core deposits | 88.1392% | 2,132 |
| Total domestic deposits to total assets | 92.4227% | 30 |
| Equity capital to assets | 7.1969% | 4,920 |
| Core capital (leverage) ratio | 7.2333% | 4,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5438% | 3,021 |
| Memoranda: | ||
| Average total assets | $82,281,000 | 4,225 |
| Average earning assets | $75,669,500 | 4,226 |
| Average equity | $6,174,000 | 4,647 |
| Average total loans | $64,719,750 | 3,852 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 887 |
| Cost of funding earning assets | 0.9508% | 1,147 |
| Net interest margin | 4.0083% | 1,298 |
| Noninterest income to average assets | 0.2875% | 3,737 |
| Noninterest expense to average assets | 3.5173% | 735 |
| Loan and lease loss provision to assets | 0.0868% | 3,196 |
| Net operating income to assets | 0.4139% | 4,208 |
| Return on assets (ROA) | 0.4139% | 4,267 |
| Pretax return on assets | 0.4139% | 4,392 |
| Return on Equity (ROE) | 5.4468% | 3,699 |
| Retained earnings to average equity (ytd only) | 2.5766% | 3,556 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5386% | 473 |
| Assets per employee ($millions) | 4.0436% | 4,262 |
| Cash dividends to net income (ytd only)* | 52.6946% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 4,616 |
| 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 | 76.2247% | 1,100 |
| Net loans and leases to deposits | 82.5536% | 2,146 |
| Net loans and leases to core deposits | 85.6132% | 2,474 |
| Total domestic deposits to total assets | 92.3336% | 31 |
| Equity capital to assets | 7.2978% | 4,928 |
| Core capital (leverage) ratio | 7.5595% | 4,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6704% | 3,188 |
| Memoranda: | ||
| Average total assets | $80,688,000 | 4,244 |
| Average earning assets | $75,094,333 | 4,233 |
| Average equity | $6,132,000 | 4,673 |
| Average total loans | $65,096,000 | 3,849 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 732 |
| Cost of funding earning assets | 1.0352% | 1,280 |
| Net interest margin | 4.1083% | 1,120 |
| Noninterest income to average assets | 0.2953% | 3,758 |
| Noninterest expense to average assets | 3.8842% | 568 |
| Loan and lease loss provision to assets | 0.0764% | 2,771 |
| Net operating income to assets | 0.1934% | 4,538 |
| Return on assets (ROA) | 0.1934% | 4,550 |
| Pretax return on assets | 0.1934% | 4,573 |
| Return on Equity (ROE) | 2.4920% | 4,339 |
| Retained earnings to average equity (ytd only) | -0.4591% | 4,067 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5049% | 381 |
| Assets per employee ($millions) | 3.8361% | 4,133 |
| Cash dividends to net income (ytd only)* | 118.4211% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6417% | 4,701 |
| 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 | 80.7257% | 603 |
| Net loans and leases to deposits | 87.6641% | 1,784 |
| Net loans and leases to core deposits | 104.2264% | 1,176 |
| Total domestic deposits to total assets | 92.0852% | 34 |
| Equity capital to assets | 7.5660% | 5,026 |
| Core capital (leverage) ratio | 7.8877% | 4,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4149% | 3,243 |
| Memoranda: | ||
| Average total assets | $78,574,000 | 4,281 |
| Average earning assets | $73,801,000 | 4,263 |
| Average equity | $6,099,500 | 4,708 |
| Average total loans | $65,060,500 | 3,862 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6159% | 464 |
| Cost of funding earning assets | 1.0440% | 1,536 |
| Net interest margin | 4.5719% | 610 |
| Noninterest income to average assets | 0.3467% | 3,629 |
| Noninterest expense to average assets | 3.9796% | 541 |
| Loan and lease loss provision to assets | 0.0688% | 2,638 |
| Net operating income to assets | 0.5515% | 4,283 |
| Return on assets (ROA) | 0.5515% | 4,340 |
| Pretax return on assets | 0.5515% | 4,489 |
| Return on Equity (ROE) | 6.3926% | 3,788 |
| Retained earnings to average equity (ytd only) | 2.7065% | 3,683 |
| Net charge-offs to loans | -0.0017% | 4,211 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5151% | 516 |
| Assets per employee ($millions) | 3.6471% | 4,326 |
| Cash dividends to net income (ytd only)* | 57.6623% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 4,694 |
| 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 | 83.9078% | 327 |
| Net loans and leases to deposits | 91.4752% | 1,431 |
| Net loans and leases to core deposits | 107.1458% | 1,034 |
| Total domestic deposits to total assets | 91.7274% | 54 |
| Equity capital to assets | 7.9697% | 5,060 |
| Core capital (leverage) ratio | 8.2820% | 4,952 |
| Tier 1 risk-based capital ratio | 10.4881% | 5,026 |
| Total risk-based capital ratio | 11.1858% | 5,092 |
| Memoranda: | ||
| Average total assets | $69,805,200 | 4,432 |
| Average earning assets | $64,940,800 | 4,421 |
| Average equity | $6,022,600 | 4,752 |
| Average total loans | $60,593,200 | 3,974 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6670% | 441 |
| Cost of funding earning assets | 1.0457% | 1,556 |
| Net interest margin | 4.6213% | 588 |
| Noninterest income to average assets | 0.3524% | 3,616 |
| Noninterest expense to average assets | 4.0698% | 490 |
| Loan and lease loss provision to assets | 0.0705% | 2,467 |
| Net operating income to assets | 0.5031% | 4,507 |
| Return on assets (ROA) | 0.5031% | 4,557 |
| Pretax return on assets | 0.5031% | 4,696 |
| Return on Equity (ROE) | 5.7089% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.7323% | 3,997 |
| Net charge-offs to loans | 0.0067% | 3,138 |
| Credit loss provision to net charge-offs | 1,200.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 97.6650% | 767 |
| Efficiency ratio | 87.6476% | 414 |
| Assets per employee ($millions) | 3.5836% | 4,414 |
| Cash dividends to net income (ytd only)* | 52.1391% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 4,809 |
| 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 | 89.1128% | 61 |
| Net loans and leases to deposits | 99.6598% | 662 |
| Net loans and leases to core deposits | 111.4314% | 875 |
| Total domestic deposits to total assets | 89.4169% | 471 |
| Equity capital to assets | 8.4693% | 5,017 |
| Core capital (leverage) ratio | 8.6445% | 4,865 |
| Tier 1 risk-based capital ratio | 10.9583% | 4,929 |
| Total risk-based capital ratio | 11.6605% | 5,031 |
| Memoranda: | ||
| Average total assets | $68,109,000 | 4,509 |
| Average earning assets | $63,241,250 | 4,503 |
| Average equity | $6,002,250 | 4,818 |
| Average total loans | $59,574,000 | 4,038 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6059% | 467 |
| Cost of funding earning assets | 1.0213% | 1,594 |
| Net interest margin | 4.5846% | 640 |
| Noninterest income to average assets | 0.3437% | 3,640 |
| Noninterest expense to average assets | 4.0585% | 496 |
| Loan and lease loss provision to assets | 0.0717% | 2,379 |
| Net operating income to assets | 0.4662% | 4,602 |
| Return on assets (ROA) | 0.4662% | 4,634 |
| Pretax return on assets | 0.4662% | 4,745 |
| Return on Equity (ROE) | 5.2177% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.2744% | 4,026 |
| Net charge-offs to loans | 0.0138% | 2,644 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,176 |
| Efficiency ratio | 88.2965% | 429 |
| Assets per employee ($millions) | 3.8489% | 4,066 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 4,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 87.0439% | 151 |
| Net loans and leases to deposits | 95.9613% | 1,043 |
| Net loans and leases to core deposits | 107.0625% | 1,172 |
| Total domestic deposits to total assets | 90.7073% | 151 |
| Equity capital to assets | 8.6879% | 4,964 |
| Core capital (leverage) ratio | 8.5470% | 4,947 |
| Tier 1 risk-based capital ratio | 11.2071% | 4,827 |
| Total risk-based capital ratio | 11.9102% | 4,961 |
| Memoranda: | ||
| Average total assets | $66,921,670 | 4,571 |
| Average earning assets | $62,077,670 | 4,567 |
| Average equity | $5,979,670 | 4,854 |
| Average total loans | $58,013,000 | 4,090 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4112% | 618 |
| Cost of funding earning assets | 0.8371% | 2,340 |
| Net interest margin | 4.5742% | 645 |
| Noninterest income to average assets | 0.3590% | 3,454 |
| Noninterest expense to average assets | 3.9974% | 544 |
| Loan and lease loss provision to assets | 0.0730% | 2,211 |
| Net operating income to assets | 0.5111% | 4,488 |
| Return on assets (ROA) | 0.5111% | 4,512 |
| Pretax return on assets | 0.5111% | 4,655 |
| Return on Equity (ROE) | 5.6376% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.6846% | 3,861 |
| Net charge-offs to loans | 0.0212% | 2,029 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,288 |
| Efficiency ratio | 87.2510% | 518 |
| Assets per employee ($millions) | 3.6835% | 4,362 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 4,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 86.8799% | 151 |
| Net loans and leases to deposits | 102.4654% | 471 |
| Net loans and leases to core deposits | 103.4109% | 1,356 |
| Total domestic deposits to total assets | 84.7895% | 2,758 |
| Equity capital to assets | 9.0237% | 4,661 |
| Core capital (leverage) ratio | 9.2922% | 4,372 |
| Tier 1 risk-based capital ratio | 17.5528% | 1,927 |
| Total risk-based capital ratio | 18.6232% | 1,933 |
| Memoranda: | ||
| Average total assets | $65,742,500 | 4,642 |
| Average earning assets | $60,688,500 | 4,637 |
| Average equity | $5,960,000 | 4,895 |
| Average total loans | $56,679,500 | 4,150 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4777% | 424 |
| Cost of funding earning assets | 0.5337% | 3,154 |
| Net interest margin | 4.9440% | 296 |
| Noninterest income to average assets | 0.3783% | 3,565 |
| Noninterest expense to average assets | 4.4133% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5112% | 4,638 |
| Return on assets (ROA) | 0.5112% | 4,637 |
| Pretax return on assets | 0.5112% | 4,780 |
| Return on Equity (ROE) | 5.0415% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.2940% | 4,617 |
| Net charge-offs to loans | 0.0743% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.1081% | 2,925 |
| Efficiency ratio | 89.6194% | 363 |
| Assets per employee ($millions) | 3.8342% | 4,126 |
| Cash dividends to net income (ytd only)* | 74.3333% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 4,902 |
| 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 | 84.4313% | 377 |
| Net loans and leases to deposits | 96.2941% | 1,046 |
| Net loans and leases to core deposits | 97.1628% | 1,956 |
| Total domestic deposits to total assets | 87.6806% | 1,455 |
| Equity capital to assets | 9.1083% | 4,480 |
| Core capital (leverage) ratio | 9.5560% | 4,051 |
| Tier 1 risk-based capital ratio | 17.8600% | 1,793 |
| Total risk-based capital ratio | 18.9324% | 1,803 |
| Memoranda: | ||
| Average total assets | $58,685,800 | 4,786 |
| Average earning assets | $53,964,200 | 4,788 |
| Average equity | $5,950,600 | 4,909 |
| Average total loans | $49,791,000 | 4,322 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 400 |
| Cost of funding earning assets | 0.4961% | 3,220 |
| Net interest margin | 4.9554% | 282 |
| Noninterest income to average assets | 0.3832% | 3,581 |
| Noninterest expense to average assets | 4.5190% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4393% | 4,878 |
| Return on assets (ROA) | 0.4393% | 4,884 |
| Pretax return on assets | 0.4393% | 4,985 |
| Return on Equity (ROE) | 4.2099% | 4,773 |
| Retained earnings to average equity (ytd only) | 1.2316% | 4,798 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1404% | 297 |
| Assets per employee ($millions) | 3.5101% | 4,553 |
| Cash dividends to net income (ytd only)* | 70.7452% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 4,741 |
| 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 | 86.3099% | 238 |
| Net loans and leases to deposits | 98.3050% | 929 |
| Net loans and leases to core deposits | 99.2752% | 1,848 |
| Total domestic deposits to total assets | 87.7981% | 1,338 |
| Equity capital to assets | 9.8959% | 3,738 |
| Core capital (leverage) ratio | 10.0761% | 3,551 |
| Tier 1 risk-based capital ratio | 18.5694% | 1,643 |
| Total risk-based capital ratio | 19.8051% | 1,607 |
| Memoranda: | ||
| Average total assets | $57,061,750 | 4,865 |
| Average earning assets | $52,681,750 | 4,859 |
| Average equity | $5,954,000 | 4,957 |
| Average total loans | $48,391,250 | 4,389 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 405 |
| Cost of funding earning assets | 0.4439% | 3,392 |
| Net interest margin | 4.9372% | 274 |
| Noninterest income to average assets | 0.3844% | 3,589 |
| Noninterest expense to average assets | 4.0148% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9218% | 3,358 |
| Return on assets (ROA) | 0.9218% | 3,359 |
| Pretax return on assets | 0.9218% | 3,901 |
| Return on Equity (ROE) | 8.6762% | 3,185 |
| Retained earnings to average equity (ytd only) | 5.6948% | 2,726 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3266% | 889 |
| Assets per employee ($millions) | 3.3345% | 4,783 |
| Cash dividends to net income (ytd only)* | 34.3629% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,654 |
| 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 | 84.6823% | 384 |
| Net loans and leases to deposits | 95.0554% | 1,239 |
| Net loans and leases to core deposits | 96.5175% | 2,012 |
| Total domestic deposits to total assets | 89.0873% | 897 |
| Equity capital to assets | 10.6446% | 2,974 |
| Core capital (leverage) ratio | 10.7208% | 2,783 |
| Tier 1 risk-based capital ratio | 20.2169% | 1,288 |
| Total risk-based capital ratio | 21.4693% | 1,260 |
| Memoranda: | ||
| Average total assets | $56,192,000 | 4,938 |
| Average earning assets | $51,810,670 | 4,934 |
| Average equity | $5,970,330 | 5,008 |
| Average total loans | $47,223,330 | 4,454 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 451 |
| Cost of funding earning assets | 0.4110% | 3,507 |
| Net interest margin | 4.8316% | 325 |
| Noninterest income to average assets | 0.3789% | 3,596 |
| Noninterest expense to average assets | 3.5749% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2584% | 1,780 |
| Return on assets (ROA) | 1.2584% | 1,790 |
| Pretax return on assets | 1.2584% | 2,519 |
| Return on Equity (ROE) | 11.8548% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.8911% | 1,502 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9645% | 1,903 |
| Assets per employee ($millions) | 3.4489% | 4,731 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 4,705 |
| 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 | 85.0241% | 336 |
| Net loans and leases to deposits | 95.6827% | 1,066 |
| Net loans and leases to core deposits | 97.1951% | 1,891 |
| Total domestic deposits to total assets | 88.8605% | 1,171 |
| Equity capital to assets | 10.8622% | 2,708 |
| Core capital (leverage) ratio | 10.6820% | 2,753 |
| Tier 1 risk-based capital ratio | 20.4697% | 1,269 |
| Total risk-based capital ratio | 21.7209% | 1,250 |
| Memoranda: | ||
| Average total assets | $55,945,000 | 5,003 |
| Average earning assets | $51,577,000 | 4,996 |
| Average equity | $5,938,500 | 5,066 |
| Average total loans | $46,637,000 | 4,517 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2311% | 416 |
| Cost of funding earning assets | 0.3650% | 3,565 |
| Net interest margin | 4.8661% | 297 |
| Noninterest income to average assets | 0.3785% | 3,770 |
| Noninterest expense to average assets | 3.5506% | 958 |
| Loan and lease loss provision to assets | 0.0562% | 3,105 |
| Net operating income to assets | 1.2928% | 1,242 |
| Return on assets (ROA) | 1.2928% | 1,259 |
| Pretax return on assets | 1.2928% | 2,377 |
| Return on Equity (ROE) | 11.9394% | 1,229 |
| Retained earnings to average equity (ytd only) | 6.0389% | 1,518 |
| Net charge-offs to loans | -0.0347% | 5,092 |
| Credit loss provision to net charge-offs | -200.0000% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4665% | 2,150 |
| Assets per employee ($millions) | 3.7805% | 4,311 |
| Cash dividends to net income (ytd only)* | 49.4203% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 4,647 |
| 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 | 80.3590% | 911 |
| Net loans and leases to deposits | 89.8604% | 1,788 |
| Net loans and leases to core deposits | 91.2294% | 2,434 |
| Total domestic deposits to total assets | 89.4265% | 813 |
| Equity capital to assets | 10.3742% | 3,304 |
| Core capital (leverage) ratio | 10.8619% | 2,467 |
| Tier 1 risk-based capital ratio | 19.9966% | 1,322 |
| Total risk-based capital ratio | 21.2464% | 1,283 |
| Memoranda: | ||
| Average total assets | $53,371,200 | 5,094 |
| Average earning assets | $49,588,400 | 5,070 |
| Average equity | $5,779,200 | 5,137 |
| Average total loans | $43,187,600 | 4,633 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 416 |
| Cost of funding earning assets | 0.3612% | 3,551 |
| Net interest margin | 4.8425% | 308 |
| Noninterest income to average assets | 0.3908% | 3,748 |
| Noninterest expense to average assets | 3.5124% | 976 |
| Loan and lease loss provision to assets | 0.0254% | 3,628 |
| Net operating income to assets | 1.3780% | 1,137 |
| Return on assets (ROA) | 1.3780% | 1,155 |
| Pretax return on assets | 1.3780% | 2,186 |
| Return on Equity (ROE) | 12.5838% | 1,153 |
| Retained earnings to average equity (ytd only) | 8.4820% | 1,024 |
| Net charge-offs to loans | -0.0471% | 5,150 |
| Credit loss provision to net charge-offs | -66.6667% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4507% | 2,291 |
| Assets per employee ($millions) | 3.0988% | 5,176 |
| Cash dividends to net income (ytd only)* | 32.5962% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 4,805 |
| 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 | 84.2635% | 410 |
| Net loans and leases to deposits | 95.3127% | 1,171 |
| Net loans and leases to core deposits | 96.8918% | 1,989 |
| Total domestic deposits to total assets | 88.4074% | 1,168 |
| Equity capital to assets | 11.2851% | 2,583 |
| Core capital (leverage) ratio | 11.2193% | 2,250 |
| Tier 1 risk-based capital ratio | 20.8636% | 1,219 |
| Total risk-based capital ratio | 22.1213% | 1,185 |
| Memoranda: | ||
| Average total assets | $52,537,000 | 5,164 |
| Average earning assets | $49,092,250 | 5,138 |
| Average equity | $5,753,250 | 5,196 |
| Average total loans | $42,493,750 | 4,702 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 504 |
| Cost of funding earning assets | 0.3505% | 3,575 |
| Net interest margin | 4.7201% | 379 |
| Noninterest income to average assets | 0.3848% | 3,793 |
| Noninterest expense to average assets | 3.4902% | 1,029 |
| Loan and lease loss provision to assets | 0.0381% | 3,251 |
| Net operating income to assets | 1.2688% | 1,376 |
| Return on assets (ROA) | 1.2688% | 1,407 |
| Pretax return on assets | 1.2688% | 2,500 |
| Return on Equity (ROE) | 11.7061% | 1,385 |
| Retained earnings to average equity (ytd only) | 7.5580% | 1,329 |
| Net charge-offs to loans | -0.0719% | 5,310 |
| Credit loss provision to net charge-offs | -66.6667% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7562% | 2,223 |
| Assets per employee ($millions) | 3.3494% | 4,923 |
| Cash dividends to net income (ytd only)* | 35.4354% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,780 |
| 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 | 80.0093% | 954 |
| Net loans and leases to deposits | 89.9323% | 1,736 |
| Net loans and leases to core deposits | 91.3832% | 2,386 |
| Total domestic deposits to total assets | 88.9662% | 972 |
| Equity capital to assets | 10.8341% | 2,995 |
| Core capital (leverage) ratio | 10.9815% | 2,428 |
| Tier 1 risk-based capital ratio | 20.3561% | 1,295 |
| Total risk-based capital ratio | 21.6049% | 1,273 |
| Memoranda: | ||
| Average total assets | $52,489,330 | 5,200 |
| Average earning assets | $49,066,670 | 5,174 |
| Average equity | $5,689,330 | 5,241 |
| Average total loans | $41,737,330 | 4,750 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 551 |
| Cost of funding earning assets | 0.3532% | 3,494 |
| Net interest margin | 4.6164% | 431 |
| Noninterest income to average assets | 0.3774% | 3,828 |
| Noninterest expense to average assets | 3.3501% | 1,287 |
| Loan and lease loss provision to assets | 0.0770% | 2,271 |
| Net operating income to assets | 1.2784% | 1,298 |
| Return on assets (ROA) | 1.2784% | 1,330 |
| Pretax return on assets | 1.2784% | 2,314 |
| Return on Equity (ROE) | 11.7919% | 1,306 |
| Retained earnings to average equity (ytd only) | 7.6008% | 1,610 |
| Net charge-offs to loans | -0.1464% | 5,558 |
| Credit loss provision to net charge-offs | -66.6667% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1948% | 2,701 |
| Assets per employee ($millions) | 3.4274% | 4,893 |
| Cash dividends to net income (ytd only)* | 35.5422% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 4,740 |
| 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 | 79.4635% | 907 |
| Net loans and leases to deposits | 89.5192% | 1,594 |
| Net loans and leases to core deposits | 91.0252% | 2,265 |
| Total domestic deposits to total assets | 88.7670% | 1,281 |
| Equity capital to assets | 11.0579% | 2,575 |
| Core capital (leverage) ratio | 10.8919% | 2,491 |
| Tier 1 risk-based capital ratio | 24.7322% | 802 |
| Total risk-based capital ratio | 25.9892% | 783 |
| Memoranda: | ||
| Average total assets | $51,939,000 | 5,269 |
| Average earning assets | $48,696,000 | 5,235 |
| Average equity | $5,631,000 | 5,299 |
| Average total loans | $40,981,000 | 4,813 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 410 |
| Cost of funding earning assets | 0.3235% | 3,809 |
| Net interest margin | 4.8850% | 299 |
| Noninterest income to average assets | 0.3829% | 4,015 |
| Noninterest expense to average assets | 3.5089% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4995% | 831 |
| Return on assets (ROA) | 1.4995% | 851 |
| Pretax return on assets | 1.4995% | 1,584 |
| Return on Equity (ROE) | 13.5702% | 856 |
| Retained earnings to average equity (ytd only) | 7.3688% | 1,090 |
| Net charge-offs to loans | -0.0905% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0604% | 2,890 |
| Assets per employee ($millions) | 3.4978% | 4,766 |
| Cash dividends to net income (ytd only)* | 45.6989% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,948 |
| 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 | 76.9779% | 1,367 |
| Net loans and leases to deposits | 86.3360% | 2,128 |
| Net loans and leases to core deposits | 87.7485% | 2,702 |
| Total domestic deposits to total assets | 89.1608% | 1,032 |
| Equity capital to assets | 10.6295% | 3,002 |
| Core capital (leverage) ratio | 11.0030% | 2,332 |
| Tier 1 risk-based capital ratio | 13.5740% | 3,723 |
| Total risk-based capital ratio | 14.4357% | 3,877 |
| Memoranda: | ||
| Average total assets | $49,616,000 | 5,353 |
| Average earning assets | $46,981,000 | 5,312 |
| Average equity | $5,482,600 | 5,375 |
| Average total loans | $39,760,400 | 4,890 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2765% | 382 |
| Cost of funding earning assets | 0.3190% | 3,880 |
| Net interest margin | 4.9575% | 277 |
| Noninterest income to average assets | 0.3953% | 3,953 |
| Noninterest expense to average assets | 3.6125% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4859% | 907 |
| Return on assets (ROA) | 1.4859% | 951 |
| Pretax return on assets | 1.4859% | 1,755 |
| Return on Equity (ROE) | 13.3110% | 967 |
| Retained earnings to average equity (ytd only) | 8.9879% | 823 |
| Net charge-offs to loans | -0.1012% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8556% | 2,766 |
| Assets per employee ($millions) | 3.4988% | 4,782 |
| Cash dividends to net income (ytd only)* | 32.4764% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 5,077 |
| 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 | 82.5307% | 556 |
| Net loans and leases to deposits | 93.6220% | 1,304 |
| Net loans and leases to core deposits | 94.7211% | 2,129 |
| Total domestic deposits to total assets | 88.1530% | 1,324 |
| Equity capital to assets | 11.5081% | 2,508 |
| Core capital (leverage) ratio | 11.1954% | 2,272 |
| Tier 1 risk-based capital ratio | 14.4082% | 3,327 |
| Total risk-based capital ratio | 15.3102% | 3,449 |
| Memoranda: | ||
| Average total assets | $48,903,250 | 5,422 |
| Average earning assets | $46,393,250 | 5,375 |
| Average equity | $5,459,000 | 5,435 |
| Average total loans | $39,516,500 | 4,940 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1752% | 443 |
| Cost of funding earning assets | 0.3105% | 4,013 |
| Net interest margin | 4.8647% | 333 |
| Noninterest income to average assets | 0.3805% | 4,021 |
| Noninterest expense to average assets | 3.4536% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5427% | 824 |
| Return on assets (ROA) | 1.5427% | 867 |
| Pretax return on assets | 1.5427% | 1,549 |
| Return on Equity (ROE) | 13.9638% | 836 |
| Retained earnings to average equity (ytd only) | 9.5932% | 690 |
| Net charge-offs to loans | -0.1228% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1237% | 3,129 |
| Assets per employee ($millions) | 3.4867% | 4,769 |
| Cash dividends to net income (ytd only)* | 31.2997% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 5,187 |
| 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 | 81.9970% | 630 |
| Net loans and leases to deposits | 92.7644% | 1,420 |
| Net loans and leases to core deposits | 93.9070% | 2,176 |
| Total domestic deposits to total assets | 88.3927% | 1,226 |
| Equity capital to assets | 11.3902% | 2,650 |
| Core capital (leverage) ratio | 10.9662% | 2,470 |
| Tier 1 risk-based capital ratio | 14.0504% | 3,574 |
| Total risk-based capital ratio | 14.9318% | 3,706 |
| Memoranda: | ||
| Average total assets | $48,876,670 | 5,483 |
| Average earning assets | $46,375,330 | 5,439 |
| Average equity | $5,399,670 | 5,499 |
| Average total loans | $39,099,330 | 5,002 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 562 |
| Cost of funding earning assets | 0.3194% | 3,956 |
| Net interest margin | 4.6959% | 424 |
| Noninterest income to average assets | 0.3680% | 4,089 |
| Noninterest expense to average assets | 3.4105% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4067% | 1,025 |
| Return on assets (ROA) | 1.4067% | 1,082 |
| Pretax return on assets | 1.4067% | 1,884 |
| Return on Equity (ROE) | 12.9335% | 1,052 |
| Retained earnings to average equity (ytd only) | 8.4970% | 1,265 |
| Net charge-offs to loans | -0.1976% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7980% | 2,987 |
| Assets per employee ($millions) | 3.4592% | 4,868 |
| Cash dividends to net income (ytd only)* | 34.3023% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 5,252 |
| 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 | 80.5592% | 738 |
| Net loans and leases to deposits | 90.8782% | 1,475 |
| Net loans and leases to core deposits | 92.0011% | 2,184 |
| Total domestic deposits to total assets | 88.6452% | 1,281 |
| Equity capital to assets | 11.1173% | 2,812 |
| Core capital (leverage) ratio | 10.8846% | 2,531 |
| Tier 1 risk-based capital ratio | 13.7451% | 3,837 |
| Total risk-based capital ratio | 14.6198% | 3,984 |
| Memoranda: | ||
| Average total assets | $48,908,000 | 5,531 |
| Average earning assets | $46,338,500 | 5,482 |
| Average equity | $5,319,500 | 5,552 |
| Average total loans | $38,468,000 | 5,066 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 681 |
| Cost of funding earning assets | 0.3743% | 3,432 |
| Net interest margin | 4.5863% | 561 |
| Noninterest income to average assets | 0.3725% | 4,244 |
| Noninterest expense to average assets | 3.3565% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3216% | 1,216 |
| Return on assets (ROA) | 1.3216% | 1,262 |
| Pretax return on assets | 1.3216% | 2,196 |
| Return on Equity (ROE) | 12.1909% | 1,255 |
| Retained earnings to average equity (ytd only) | 5.8625% | 1,864 |
| Net charge-offs to loans | 0.1044% | 2,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.9730% | 2,099 |
| Efficiency ratio | 71.7499% | 2,945 |
| Assets per employee ($millions) | 3.5276% | 4,783 |
| Cash dividends to net income (ytd only)* | 51.9108% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 5,325 |
| 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 | 75.4834% | 1,497 |
| Net loans and leases to deposits | 84.6596% | 2,284 |
| Net loans and leases to core deposits | 85.6752% | 2,818 |
| Total domestic deposits to total assets | 89.1611% | 1,039 |
| Equity capital to assets | 10.6405% | 3,194 |
| Core capital (leverage) ratio | 10.7701% | 2,632 |
| Tier 1 risk-based capital ratio | 13.4234% | 4,045 |
| Total risk-based capital ratio | 14.2465% | 4,231 |
| Memoranda: | ||
| Average total assets | $47,519,600 | 5,598 |
| Average earning assets | $44,611,400 | 5,563 |
| Average equity | $5,151,400 | 5,619 |
| Average total loans | $35,452,000 | 5,176 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 671 |
| Cost of funding earning assets | 0.3830% | 3,400 |
| Net interest margin | 4.5782% | 566 |
| Noninterest income to average assets | 0.3740% | 4,258 |
| Noninterest expense to average assets | 3.3692% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3063% | 1,324 |
| Return on assets (ROA) | 1.3063% | 1,374 |
| Pretax return on assets | 1.3063% | 2,372 |
| Return on Equity (ROE) | 11.9920% | 1,378 |
| Retained earnings to average equity (ytd only) | 7.3616% | 1,518 |
| Net charge-offs to loans | 0.0802% | 2,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 21.9518% | 1,805 |
| Efficiency ratio | 72.0606% | 2,869 |
| Assets per employee ($millions) | 3.5288% | 4,745 |
| Cash dividends to net income (ytd only)* | 38.6122% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 5,172 |
| 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 | 77.8834% | 1,119 |
| Net loans and leases to deposits | 88.3659% | 1,850 |
| Net loans and leases to core deposits | 88.9622% | 2,565 |
| Total domestic deposits to total assets | 88.1373% | 1,487 |
| Equity capital to assets | 11.4529% | 2,539 |
| Core capital (leverage) ratio | 11.0752% | 2,408 |
| Tier 1 risk-based capital ratio | 13.9358% | 3,882 |
| Total risk-based capital ratio | 14.8375% | 4,016 |
| Memoranda: | ||
| Average total assets | $47,052,750 | 5,678 |
| Average earning assets | $44,208,750 | 5,648 |
| Average equity | $5,125,500 | 5,698 |
| Average total loans | $34,917,250 | 5,252 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8428% | 815 |
| Cost of funding earning assets | 0.3819% | 3,461 |
| Net interest margin | 4.4610% | 679 |
| Noninterest income to average assets | 0.3667% | 4,318 |
| Noninterest expense to average assets | 3.3892% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1634% | 1,733 |
| Return on assets (ROA) | 1.1634% | 1,804 |
| Pretax return on assets | 1.1634% | 2,925 |
| Return on Equity (ROE) | 10.8604% | 1,726 |
| Retained earnings to average equity (ytd only) | 6.2172% | 2,105 |
| Net charge-offs to loans | 0.1448% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.0400% | 2,329 |
| Efficiency ratio | 74.4444% | 2,624 |
| Assets per employee ($millions) | 3.5831% | 4,652 |
| Cash dividends to net income (ytd only)* | 42.7536% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 5,211 |
| 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 | 74.7681% | 1,539 |
| Net loans and leases to deposits | 84.1842% | 2,293 |
| Net loans and leases to core deposits | 84.1842% | 2,967 |
| Total domestic deposits to total assets | 88.8149% | 1,240 |
| Equity capital to assets | 10.9639% | 2,921 |
| Core capital (leverage) ratio | 10.6713% | 2,768 |
| Tier 1 risk-based capital ratio | 13.4085% | 4,269 |
| Total risk-based capital ratio | 14.2873% | 4,415 |
| Memoranda: | ||
| Average total assets | $47,445,330 | 5,736 |
| Average earning assets | $44,519,330 | 5,699 |
| Average equity | $5,082,670 | 5,763 |
| Average total loans | $34,537,330 | 5,310 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 790 |
| Cost of funding earning assets | 0.3859% | 3,457 |
| Net interest margin | 4.4513% | 661 |
| Noninterest income to average assets | 0.2841% | 4,903 |
| Noninterest expense to average assets | 3.2833% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1446% | 1,719 |
| Return on assets (ROA) | 1.1446% | 1,822 |
| Pretax return on assets | 1.1446% | 2,884 |
| Return on Equity (ROE) | 10.8076% | 1,690 |
| Retained earnings to average equity (ytd only) | 6.1532% | 2,401 |
| Net charge-offs to loans | 0.0584% | 2,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.4000% | 1,206 |
| Efficiency ratio | 74.1509% | 2,793 |
| Assets per employee ($millions) | 3.6432% | 4,623 |
| Cash dividends to net income (ytd only)* | 43.0657% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 5,041 |
| 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 | 72.0572% | 1,793 |
| Net loans and leases to deposits | 80.9963% | 2,451 |
| Net loans and leases to core deposits | 81.5148% | 3,004 |
| Total domestic deposits to total assets | 88.9635% | 1,298 |
| Equity capital to assets | 10.7494% | 3,264 |
| Core capital (leverage) ratio | 10.2617% | 3,267 |
| Tier 1 risk-based capital ratio | 13.2814% | 4,448 |
| Total risk-based capital ratio | 14.2209% | 4,535 |
| Memoranda: | ||
| Average total assets | $47,878,000 | 5,776 |
| Average earning assets | $44,571,500 | 5,747 |
| Average equity | $5,070,500 | 5,818 |
| Average total loans | $34,230,500 | 5,362 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9974% | 779 |
| Cost of funding earning assets | 0.4891% | 2,780 |
| Net interest margin | 4.5083% | 738 |
| Noninterest income to average assets | 0.3220% | 4,815 |
| Noninterest expense to average assets | 3.9345% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5674% | 4,520 |
| Return on assets (ROA) | 0.5608% | 4,644 |
| Pretax return on assets | 0.5608% | 5,071 |
| Return on Equity (ROE) | 5.1799% | 4,573 |
| Retained earnings to average equity (ytd only) | 0.6677% | 5,461 |
| Net charge-offs to loans | 0.0694% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.2609% | 2,515 |
| Efficiency ratio | 87.3966% | 1,047 |
| Assets per employee ($millions) | 3.7227% | 4,484 |
| Cash dividends to net income (ytd only)* | 87.1094% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 4,916 |
| 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 | 69.5134% | 2,308 |
| Net loans and leases to deposits | 77.7701% | 3,001 |
| Net loans and leases to core deposits | 77.7701% | 3,542 |
| Total domestic deposits to total assets | 89.3832% | 1,029 |
| Equity capital to assets | 10.4350% | 3,568 |
| Core capital (leverage) ratio | 10.7185% | 2,700 |
| Tier 1 risk-based capital ratio | 15.2826% | 3,320 |
| Total risk-based capital ratio | 16.3926% | 3,364 |
| Memoranda: | ||
| Average total assets | $45,647,000 | 5,888 |
| Average earning assets | $42,321,800 | 5,865 |
| Average equity | $4,942,200 | 5,868 |
| Average total loans | $33,127,400 | 5,442 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 781 |
| Cost of funding earning assets | 0.5113% | 2,648 |
| Net interest margin | 4.4815% | 772 |
| Noninterest income to average assets | 0.3203% | 4,870 |
| Noninterest expense to average assets | 4.1577% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3470% | 5,436 |
| Return on assets (ROA) | 0.3381% | 5,536 |
| Pretax return on assets | 0.3381% | 5,699 |
| Return on Equity (ROE) | 3.0924% | 5,507 |
| Retained earnings to average equity (ytd only) | -0.5153% | 5,878 |
| Net charge-offs to loans | 0.0932% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.0864% | 3,324 |
| Efficiency ratio | 92.2976% | 688 |
| Assets per employee ($millions) | 3.4184% | 5,021 |
| Cash dividends to net income (ytd only)* | 116.6645% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 5,060 |
| 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 | 75.2537% | 1,326 |
| Net loans and leases to deposits | 84.9860% | 2,030 |
| Net loans and leases to core deposits | 85.5622% | 2,710 |
| Total domestic deposits to total assets | 88.5483% | 1,478 |
| Equity capital to assets | 11.2199% | 2,738 |
| Core capital (leverage) ratio | 10.8501% | 2,636 |
| Tier 1 risk-based capital ratio | 16.4754% | 2,821 |
| Total risk-based capital ratio | 17.6854% | 2,792 |
| Memoranda: | ||
| Average total assets | $44,960,000 | 5,975 |
| Average earning assets | $41,979,250 | 5,943 |
| Average equity | $4,915,250 | 5,934 |
| Average total loans | $32,911,750 | 5,496 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 841 |
| Cost of funding earning assets | 0.5342% | 2,497 |
| Net interest margin | 4.4021% | 848 |
| Noninterest income to average assets | 0.3146% | 4,898 |
| Noninterest expense to average assets | 4.5421% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1374% | 6,280 |
| Return on assets (ROA) | -0.1374% | 6,294 |
| Pretax return on assets | -0.1374% | 6,281 |
| Return on Equity (ROE) | -1.2675% | 6,288 |
| Retained earnings to average equity (ytd only) | -4.9063% | 6,233 |
| Net charge-offs to loans | 0.1410% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.3478% | 4,222 |
| Efficiency ratio | 103.1187% | 332 |
| Assets per employee ($millions) | 3.3810% | 5,098 |
| Cash dividends to net income (ytd only)* | -287.0968% | 6,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,072 |
| 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 | 74.1042% | 1,427 |
| Net loans and leases to deposits | 83.4469% | 2,094 |
| Net loans and leases to core deposits | 83.4469% | 2,799 |
| Total domestic deposits to total assets | 88.8039% | 1,467 |
| Equity capital to assets | 11.0436% | 2,833 |
| Core capital (leverage) ratio | 10.4348% | 3,033 |
| Tier 1 risk-based capital ratio | 10.5465% | 6,235 |
| Total risk-based capital ratio | 11.3379% | 6,328 |
| Memoranda: | ||
| Average total assets | $45,133,670 | 6,027 |
| Average earning assets | $41,934,330 | 6,002 |
| Average equity | $4,891,670 | 5,980 |
| Average total loans | $32,618,670 | 5,546 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 960 |
| Cost of funding earning assets | 0.7758% | 856 |
| Net interest margin | 4.0680% | 1,552 |
| Noninterest income to average assets | 0.3062% | 4,907 |
| Noninterest expense to average assets | 3.3943% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6736% | 3,825 |
| Return on assets (ROA) | 0.6736% | 3,906 |
| Pretax return on assets | 0.6736% | 4,578 |
| Return on Equity (ROE) | 6.2723% | 3,871 |
| Retained earnings to average equity (ytd only) | 2.6881% | 4,469 |
| Net charge-offs to loans | 0.3080% | 1,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0800% | 2,739 |
| Efficiency ratio | 83.4409% | 1,741 |
| Assets per employee ($millions) | 3.4898% | 4,940 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,206 |
| 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 | 70.0641% | 1,873 |
| Net loans and leases to deposits | 82.9770% | 1,948 |
| Net loans and leases to core deposits | 83.5506% | 2,566 |
| Total domestic deposits to total assets | 84.4380% | 4,107 |
| Equity capital to assets | 10.9331% | 2,784 |
| Core capital (leverage) ratio | 10.5860% | 2,825 |
| Tier 1 risk-based capital ratio | 10.5289% | 6,324 |
| Total risk-based capital ratio | 11.2906% | 6,438 |
| Memoranda: | ||
| Average total assets | $45,724,000 | 6,077 |
| Average earning assets | $42,281,500 | 6,049 |
| Average equity | $4,910,500 | 6,017 |
| Average total loans | $32,468,000 | 5,613 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 887 |
| Cost of funding earning assets | 0.8356% | 1,017 |
| Net interest margin | 4.1829% | 1,408 |
| Noninterest income to average assets | 0.3352% | 4,929 |
| Noninterest expense to average assets | 3.0321% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2142% | 1,512 |
| Return on assets (ROA) | 1.2519% | 1,444 |
| Pretax return on assets | 1.2519% | 2,355 |
| Return on Equity (ROE) | 11.5290% | 1,584 |
| Retained earnings to average equity (ytd only) | 5.9894% | 1,978 |
| Net charge-offs to loans | 0.1342% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 12.7209% | 2,098 |
| Efficiency ratio | 71.4062% | 3,589 |
| Assets per employee ($millions) | 3.5447% | 4,814 |
| Cash dividends to net income (ytd only)* | 48.0496% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 4,976 |
| 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 | 70.3782% | 1,957 |
| Net loans and leases to deposits | 82.9607% | 2,066 |
| Net loans and leases to core deposits | 83.5291% | 2,721 |
| Total domestic deposits to total assets | 84.8332% | 3,838 |
| Equity capital to assets | 10.5488% | 3,095 |
| Core capital (leverage) ratio | 10.6156% | 2,767 |
| Tier 1 risk-based capital ratio | 16.8185% | 2,697 |
| Total risk-based capital ratio | 18.0720% | 2,650 |
| Memoranda: | ||
| Average total assets | $45,052,000 | 6,149 |
| Average earning assets | $42,124,200 | 6,104 |
| Average equity | $4,892,000 | 6,093 |
| Average total loans | $32,033,400 | 5,666 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 903 |
| Cost of funding earning assets | 0.8479% | 1,061 |
| Net interest margin | 4.1730% | 1,413 |
| Noninterest income to average assets | 0.3363% | 5,005 |
| Noninterest expense to average assets | 3.0390% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2233% | 1,552 |
| Return on assets (ROA) | 1.2739% | 1,488 |
| Pretax return on assets | 1.2739% | 2,434 |
| Return on Equity (ROE) | 11.6465% | 1,600 |
| Retained earnings to average equity (ytd only) | 8.3268% | 1,280 |
| Net charge-offs to loans | -0.0042% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2989% | 3,553 |
| Assets per employee ($millions) | 3.4337% | 4,983 |
| Cash dividends to net income (ytd only)* | 28.5043% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 4,491 |
| 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 | 71.7931% | 1,631 |
| Net loans and leases to deposits | 85.5225% | 1,671 |
| Net loans and leases to core deposits | 86.1201% | 2,394 |
| Total domestic deposits to total assets | 83.9464% | 4,207 |
| Equity capital to assets | 10.9750% | 2,779 |
| Core capital (leverage) ratio | 10.7059% | 2,784 |
| Tier 1 risk-based capital ratio | 17.3031% | 2,585 |
| Total risk-based capital ratio | 18.5421% | 2,558 |
| Memoranda: | ||
| Average total assets | $44,794,750 | 6,224 |
| Average earning assets | $42,143,250 | 6,174 |
| Average equity | $4,899,750 | 6,165 |
| Average total loans | $31,841,000 | 5,734 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 905 |
| Cost of funding earning assets | 0.8583% | 1,093 |
| Net interest margin | 4.1444% | 1,425 |
| Noninterest income to average assets | 0.3345% | 5,013 |
| Noninterest expense to average assets | 2.9478% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2844% | 1,365 |
| Return on assets (ROA) | 1.3602% | 1,252 |
| Pretax return on assets | 1.3602% | 2,083 |
| Return on Equity (ROE) | 12.4490% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.4286% | 988 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6523% | 3,893 |
| Assets per employee ($millions) | 3.4374% | 4,980 |
| Cash dividends to net income (ytd only)* | 24.2623% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,494 |
| 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 | 70.3576% | 1,823 |
| Net loans and leases to deposits | 83.8825% | 1,821 |
| Net loans and leases to core deposits | 84.4662% | 2,495 |
| Total domestic deposits to total assets | 83.8764% | 4,370 |
| Equity capital to assets | 10.9318% | 2,816 |
| Core capital (leverage) ratio | 10.4949% | 2,882 |
| Tier 1 risk-based capital ratio | 11.8494% | 5,882 |
| Total risk-based capital ratio | 12.8954% | 5,986 |
| Memoranda: | ||
| Average total assets | $44,847,000 | 6,263 |
| Average earning assets | $42,177,330 | 6,216 |
| Average equity | $4,900,000 | 6,214 |
| Average total loans | $31,633,670 | 5,770 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 1,005 |
| Cost of funding earning assets | 0.8839% | 1,062 |
| Net interest margin | 4.0490% | 1,618 |
| Noninterest income to average assets | 0.3116% | 5,202 |
| Noninterest expense to average assets | 3.0449% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0595% | 1,996 |
| Return on assets (ROA) | 1.0595% | 2,113 |
| Pretax return on assets | 1.0595% | 3,111 |
| Return on Equity (ROE) | 9.6994% | 2,193 |
| Retained earnings to average equity (ytd only) | 7.0097% | 2,145 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1866% | 3,230 |
| Assets per employee ($millions) | 3.3730% | 5,272 |
| Cash dividends to net income (ytd only)* | 27.7311% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 4,599 |
| 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 | 70.8272% | 1,541 |
| Net loans and leases to deposits | 84.9992% | 1,468 |
| Net loans and leases to core deposits | 85.6036% | 2,148 |
| Total domestic deposits to total assets | 83.3269% | 4,748 |
| Equity capital to assets | 11.2203% | 2,714 |
| Core capital (leverage) ratio | 10.2603% | 3,060 |
| Tier 1 risk-based capital ratio | 10.3781% | 6,611 |
| Total risk-based capital ratio | 11.3235% | 6,666 |
| Memoranda: | ||
| Average total assets | $44,927,500 | 6,318 |
| Average earning assets | $42,084,500 | 6,276 |
| Average equity | $4,907,500 | 6,277 |
| Average total loans | $31,523,000 | 5,821 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 1,143 |
| Cost of funding earning assets | 1.0009% | 1,351 |
| Net interest margin | 4.1858% | 1,696 |
| Noninterest income to average assets | 0.3127% | 5,218 |
| Noninterest expense to average assets | 3.5781% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6390% | 4,042 |
| Return on assets (ROA) | 0.6390% | 4,305 |
| Pretax return on assets | 0.6390% | 4,853 |
| Return on Equity (ROE) | 5.9743% | 4,181 |
| Retained earnings to average equity (ytd only) | 2.5211% | 4,452 |
| Net charge-offs to loans | -0.0065% | 6,417 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8469% | 1,530 |
| Assets per employee ($millions) | 3.5389% | 4,926 |
| Cash dividends to net income (ytd only)* | 57.8014% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,556 |
| 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 | 67.7281% | 2,234 |
| Net loans and leases to deposits | 80.5184% | 2,219 |
| Net loans and leases to core deposits | 81.0546% | 2,873 |
| Total domestic deposits to total assets | 84.1151% | 4,264 |
| Equity capital to assets | 10.6399% | 3,350 |
| Core capital (leverage) ratio | 10.2180% | 3,115 |
| Tier 1 risk-based capital ratio | 11.3560% | 6,186 |
| Total risk-based capital ratio | 12.4087% | 6,255 |
| Memoranda: | ||
| Average total assets | $44,129,400 | 6,370 |
| Average earning assets | $41,162,800 | 6,325 |
| Average equity | $4,720,200 | 6,378 |
| Average total loans | $30,549,000 | 5,924 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 1,212 |
| Cost of funding earning assets | 1.0264% | 1,416 |
| Net interest margin | 4.1675% | 1,838 |
| Noninterest income to average assets | 0.3115% | 5,295 |
| Noninterest expense to average assets | 3.7959% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4214% | 5,155 |
| Return on assets (ROA) | 0.4214% | 5,395 |
| Pretax return on assets | 0.4214% | 5,668 |
| Return on Equity (ROE) | 3.9346% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.0242% | 5,310 |
| Net charge-offs to loans | -0.0088% | 6,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0072% | 1,042 |
| Assets per employee ($millions) | 3.0374% | 5,987 |
| Cash dividends to net income (ytd only)* | 48.5489% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,580 |
| 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 | 71.2962% | 1,678 |
| Net loans and leases to deposits | 86.2360% | 1,576 |
| Net loans and leases to core deposits | 86.8661% | 2,357 |
| Total domestic deposits to total assets | 82.6757% | 4,765 |
| Equity capital to assets | 11.4147% | 2,833 |
| Core capital (leverage) ratio | 10.5115% | 2,899 |
| Tier 1 risk-based capital ratio | 16.9471% | 2,761 |
| Total risk-based capital ratio | 18.2016% | 2,719 |
| Memoranda: | ||
| Average total assets | $43,660,250 | 6,455 |
| Average earning assets | $40,919,250 | 6,402 |
| Average equity | $4,676,500 | 6,463 |
| Average total loans | $30,292,750 | 6,009 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 1,358 |
| Cost of funding earning assets | 1.0400% | 1,526 |
| Net interest margin | 4.1161% | 2,026 |
| Noninterest income to average assets | 0.3088% | 5,343 |
| Noninterest expense to average assets | 4.1236% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0318% | 6,281 |
| Return on assets (ROA) | 0.0318% | 6,421 |
| Pretax return on assets | 0.0318% | 6,409 |
| Return on Equity (ROE) | 0.3032% | 6,423 |
| Retained earnings to average equity (ytd only) | -1.6027% | 6,306 |
| Net charge-offs to loans | -0.0133% | 6,340 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2350% | 587 |
| Assets per employee ($millions) | 3.0339% | 5,998 |
| Cash dividends to net income (ytd only)* | 628.5714% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 4,586 |
| 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 | 70.5184% | 1,822 |
| Net loans and leases to deposits | 85.0957% | 1,710 |
| Net loans and leases to core deposits | 85.7143% | 2,466 |
| Total domestic deposits to total assets | 82.8695% | 4,798 |
| Equity capital to assets | 11.0821% | 3,034 |
| Core capital (leverage) ratio | 10.0697% | 3,326 |
| Tier 1 risk-based capital ratio | 10.1685% | 6,781 |
| Total risk-based capital ratio | 11.1448% | 6,836 |
| Memoranda: | ||
| Average total assets | $44,039,000 | 6,487 |
| Average earning assets | $41,155,000 | 6,443 |
| Average equity | $4,617,330 | 6,509 |
| Average total loans | $30,146,000 | 6,059 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 1,616 |
| Cost of funding earning assets | 1.0615% | 1,612 |
| Net interest margin | 4.0262% | 2,392 |
| Noninterest income to average assets | 0.3124% | 5,387 |
| Noninterest expense to average assets | 5.2118% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.1423% | 7,027 |
| Return on assets (ROA) | -1.1423% | 7,039 |
| Pretax return on assets | -1.1423% | 7,007 |
| Return on Equity (ROE) | -11.1974% | 7,011 |
| Retained earnings to average equity (ytd only) | -13.1219% | 6,931 |
| Net charge-offs to loans | -0.0133% | 6,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0702% | 173 |
| Assets per employee ($millions) | 3.1365% | 5,887 |
| Cash dividends to net income (ytd only)* | -17.1875% | 7,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,651 |
| 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 | 66.8420% | 2,323 |
| Net loans and leases to deposits | 79.8406% | 2,221 |
| Net loans and leases to core deposits | 80.3939% | 3,024 |
| Total domestic deposits to total assets | 83.7193% | 4,626 |
| Equity capital to assets | 10.2298% | 3,816 |
| Core capital (leverage) ratio | 9.4577% | 4,106 |
| Tier 1 risk-based capital ratio | 9.5588% | 6,954 |
| Total risk-based capital ratio | 10.4988% | 7,000 |
| Memoranda: | ||
| Average total assets | $44,821,500 | 6,515 |
| Average earning assets | $41,826,000 | 6,458 |
| Average equity | $4,572,500 | 6,554 |
| Average total loans | $30,035,500 | 6,109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 2,319 |
| Cost of funding earning assets | 1.3961% | 1,054 |
| Net interest margin | 3.7361% | 4,131 |
| Noninterest income to average assets | 0.3108% | 5,324 |
| Noninterest expense to average assets | 3.2731% | 2,610 |
| Loan and lease loss provision to assets | 0.0510% | 5,953 |
| Net operating income to assets | 0.4941% | 4,451 |
| Return on assets (ROA) | 0.4941% | 4,662 |
| Pretax return on assets | 0.4941% | 5,010 |
| Return on Equity (ROE) | 4.6813% | 4,537 |
| Retained earnings to average equity (ytd only) | 1.0989% | 5,341 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7230% | 1,595 |
| Assets per employee ($millions) | 3.2666% | 5,587 |
| Cash dividends to net income (ytd only)* | 76.5258% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,626 |
| 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 | 65.3656% | 2,906 |
| Net loans and leases to deposits | 80.3532% | 2,457 |
| Net loans and leases to core deposits | 82.2366% | 3,150 |
| Total domestic deposits to total assets | 81.3479% | 5,347 |
| Equity capital to assets | 10.1745% | 3,934 |
| Core capital (leverage) ratio | 9.9158% | 3,430 |
| Tier 1 risk-based capital ratio | 9.5246% | 6,958 |
| Total risk-based capital ratio | 10.4252% | 7,006 |
| Memoranda: | ||
| Average total assets | $43,109,200 | 6,562 |
| Average earning assets | $40,470,400 | 6,511 |
| Average equity | $4,550,000 | 6,577 |
| Average total loans | $29,690,200 | 6,172 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 2,208 |
| Cost of funding earning assets | 1.4296% | 1,111 |
| Net interest margin | 3.7712% | 4,009 |
| Noninterest income to average assets | 0.3141% | 5,353 |
| Noninterest expense to average assets | 3.0244% | 3,463 |
| Loan and lease loss provision to assets | 0.0565% | 5,731 |
| Net operating income to assets | 0.7789% | 3,257 |
| Return on assets (ROA) | 0.7789% | 3,425 |
| Pretax return on assets | 0.7789% | 4,201 |
| Return on Equity (ROE) | 7.3086% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.3341% | 2,965 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3564% | 2,500 |
| Assets per employee ($millions) | 3.1534% | 5,777 |
| Cash dividends to net income (ytd only)* | 27.0157% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 4,429 |
| 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 | 63.9214% | 3,321 |
| Net loans and leases to deposits | 81.3374% | 2,476 |
| Net loans and leases to core deposits | 82.7687% | 3,216 |
| Total domestic deposits to total assets | 78.5879% | 6,078 |
| Equity capital to assets | 10.8204% | 3,331 |
| Core capital (leverage) ratio | 10.7972% | 2,573 |
| Tier 1 risk-based capital ratio | 10.1423% | 6,912 |
| Total risk-based capital ratio | 11.0662% | 6,996 |
| Memoranda: | ||
| Average total assets | $42,453,500 | 6,647 |
| Average earning assets | $39,915,750 | 6,592 |
| Average equity | $4,524,250 | 6,629 |
| Average total loans | $29,536,250 | 6,241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 1,938 |
| Cost of funding earning assets | 1.4554% | 1,178 |
| Net interest margin | 3.8287% | 3,653 |
| Noninterest income to average assets | 0.3056% | 5,451 |
| Noninterest expense to average assets | 2.9984% | 3,647 |
| Loan and lease loss provision to assets | 0.0573% | 5,600 |
| Net operating income to assets | 0.8546% | 2,836 |
| Return on assets (ROA) | 0.8546% | 2,929 |
| Pretax return on assets | 0.8546% | 3,814 |
| Return on Equity (ROE) | 8.0631% | 2,924 |
| Retained earnings to average equity (ytd only) | 6.0811% | 2,372 |
| Net charge-offs to loans | 0.0067% | 5,775 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 194 |
| Efficiency ratio | 76.6789% | 2,904 |
| Assets per employee ($millions) | 3.2755% | 5,471 |
| Cash dividends to net income (ytd only)* | 24.5810% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,720 |
| 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 | 67.8824% | 2,641 |
| Net loans and leases to deposits | 86.9585% | 1,653 |
| Net loans and leases to core deposits | 87.6175% | 2,686 |
| Total domestic deposits to total assets | 78.0630% | 6,278 |
| Equity capital to assets | 10.7818% | 3,193 |
| Core capital (leverage) ratio | 10.5200% | 2,693 |
| Tier 1 risk-based capital ratio | 10.3724% | 6,839 |
| Total risk-based capital ratio | 11.3108% | 6,947 |
| Memoranda: | ||
| Average total assets | $41,888,670 | 6,722 |
| Average earning assets | $39,439,000 | 6,662 |
| Average equity | $4,440,000 | 6,702 |
| Average total loans | $29,838,670 | 6,282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 1,951 |
| Cost of funding earning assets | 1.4621% | 1,323 |
| Net interest margin | 3.8138% | 3,545 |
| Noninterest income to average assets | 0.2889% | 5,604 |
| Noninterest expense to average assets | 3.0716% | 3,377 |
| Loan and lease loss provision to assets | 0.0578% | 5,279 |
| Net operating income to assets | 0.7510% | 3,268 |
| Return on assets (ROA) | 0.7510% | 3,331 |
| Pretax return on assets | 0.7510% | 4,093 |
| Return on Equity (ROE) | 7.1486% | 3,310 |
| Retained earnings to average equity (ytd only) | 5.1323% | 3,099 |
| Net charge-offs to loans | 0.0266% | 4,718 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 661 |
| Efficiency ratio | 79.1563% | 2,670 |
| Assets per employee ($millions) | 3.2710% | 5,552 |
| Cash dividends to net income (ytd only)* | 28.2051% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 5,070 |
| 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 | 69.8422% | 2,159 |
| Net loans and leases to deposits | 89.2264% | 1,325 |
| Net loans and leases to core deposits | 89.2264% | 2,450 |
| Total domestic deposits to total assets | 78.2753% | 6,338 |
| Equity capital to assets | 10.3332% | 3,364 |
| Core capital (leverage) ratio | 10.4942% | 2,618 |
| Tier 1 risk-based capital ratio | 10.1682% | 6,939 |
| Total risk-based capital ratio | 11.0886% | 7,060 |
| Memoranda: | ||
| Average total assets | $41,542,500 | 6,775 |
| Average earning assets | $39,121,000 | 6,716 |
| Average equity | $4,364,500 | 6,764 |
| Average total loans | $30,104,500 | 6,329 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7320% | 1,459 |
| Cost of funding earning assets | 1.6742% | 1,713 |
| Net interest margin | 4.0578% | 2,766 |
| Noninterest income to average assets | 0.3121% | 5,562 |
| Noninterest expense to average assets | 3.2526% | 2,906 |
| Loan and lease loss provision to assets | 0.1548% | 5,658 |
| Net operating income to assets | 0.7558% | 2,973 |
| Return on assets (ROA) | 0.7326% | 3,212 |
| Pretax return on assets | 0.7326% | 3,861 |
| Return on Equity (ROE) | 6.5802% | 3,309 |
| Retained earnings to average equity (ytd only) | 2.8035% | 3,891 |
| Net charge-offs to loans | -0.0102% | 7,313 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1289% | 2,688 |
| Assets per employee ($millions) | 2.8973% | 6,330 |
| Cash dividends to net income (ytd only)* | 57.3944% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 5,012 |
| Loan loss allowance to noncurrent loans | 19,550.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,257 |
| Noncurrent loans to loans | 0.0066% | 7,150 |
| Net loans and leases to total assets | 73.2804% | 1,811 |
| Net loans and leases to deposits | 94.9163% | 966 |
| Net loans and leases to core deposits | 94.9163% | 2,141 |
| Total domestic deposits to total assets | 77.2053% | 6,449 |
| Equity capital to assets | 10.6873% | 2,971 |
| Core capital (leverage) ratio | 10.8870% | 2,238 |
| Tier 1 risk-based capital ratio | 10.5194% | 6,688 |
| Total risk-based capital ratio | 11.4741% | 6,837 |
| Memoranda: | ||
| Average total assets | $38,768,600 | 6,908 |
| Average earning assets | $36,793,200 | 6,846 |
| Average equity | $4,316,000 | 6,885 |
| Average total loans | $29,397,600 | 6,428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 1,398 |
| Cost of funding earning assets | 1.7187% | 1,778 |
| Net interest margin | 4.0809% | 2,703 |
| Noninterest income to average assets | 0.3097% | 5,675 |
| Noninterest expense to average assets | 3.3089% | 2,544 |
| Loan and lease loss provision to assets | 0.1670% | 5,373 |
| Net operating income to assets | 0.7167% | 3,338 |
| Return on assets (ROA) | 0.6854% | 3,644 |
| Pretax return on assets | 0.6854% | 4,278 |
| Return on Equity (ROE) | 6.0924% | 3,771 |
| Retained earnings to average equity (ytd only) | 4.0204% | 3,647 |
| Net charge-offs to loans | -0.0137% | 7,303 |
| Credit loss provision to net charge-offs | -1,600.0000% | 7,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9212% | 2,499 |
| Assets per employee ($millions) | 2.7844% | 6,616 |
| Cash dividends to net income (ytd only)* | 34.0097% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 5,047 |
| Loan loss allowance to noncurrent loans | 3,158.3333% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 7,280 |
| Noncurrent loans to loans | 0.0407% | 7,144 |
| Net loans and leases to total assets | 74.7492% | 1,629 |
| Net loans and leases to deposits | 98.9708% | 725 |
| Net loans and leases to core deposits | 98.9708% | 1,941 |
| Total domestic deposits to total assets | 75.5265% | 6,735 |
| Equity capital to assets | 11.5030% | 2,530 |
| Core capital (leverage) ratio | 11.1976% | 2,132 |
| Tier 1 risk-based capital ratio | 11.0147% | 6,371 |
| Total risk-based capital ratio | 11.9817% | 6,587 |
| Memoranda: | ||
| Average total assets | $38,320,250 | 7,006 |
| Average earning assets | $36,461,250 | 6,943 |
| Average equity | $4,311,250 | 6,979 |
| Average total loans | $29,218,250 | 6,522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 1,619 |
| Cost of funding earning assets | 1.7645% | 1,793 |
| Net interest margin | 3.9701% | 3,160 |
| Noninterest income to average assets | 0.3045% | 5,722 |
| Noninterest expense to average assets | 3.2861% | 2,602 |
| Loan and lease loss provision to assets | 0.1260% | 5,627 |
| Net operating income to assets | 0.6719% | 3,521 |
| Return on assets (ROA) | 0.6247% | 3,897 |
| Pretax return on assets | 0.6247% | 4,490 |
| Return on Equity (ROE) | 5.5952% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.5264% | 3,864 |
| Net charge-offs to loans | -0.0206% | 7,290 |
| Credit loss provision to net charge-offs | -800.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4627% | 2,375 |
| Assets per employee ($millions) | 2.7566% | 6,668 |
| Cash dividends to net income (ytd only)* | 36.9748% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 5,339 |
| Loan loss allowance to noncurrent loans | 62.3902% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 4,252 |
| Noncurrent loans to loans | 1.9598% | 3,776 |
| Net loans and leases to total assets | 74.3107% | 1,845 |
| Net loans and leases to deposits | 98.5092% | 827 |
| Net loans and leases to core deposits | 100.3499% | 1,978 |
| Total domestic deposits to total assets | 75.4353% | 6,787 |
| Equity capital to assets | 11.2459% | 2,646 |
| Core capital (leverage) ratio | 11.0972% | 2,170 |
| Tier 1 risk-based capital ratio | 10.9627% | 6,273 |
| Total risk-based capital ratio | 11.8761% | 6,587 |
| Memoranda: | ||
| Average total assets | $38,100,000 | 7,071 |
| Average earning assets | $36,270,670 | 6,991 |
| Average equity | $4,253,670 | 7,027 |
| Average total loans | $29,118,670 | 6,571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 1,655 |
| Cost of funding earning assets | 1.7751% | 1,993 |
| Net interest margin | 3.9607% | 3,051 |
| Noninterest income to average assets | 0.3064% | 5,688 |
| Noninterest expense to average assets | 3.4025% | 2,228 |
| Loan and lease loss provision to assets | 0.1268% | 5,307 |
| Net operating income to assets | 0.5495% | 4,142 |
| Return on assets (ROA) | 0.5495% | 4,274 |
| Pretax return on assets | 0.5495% | 4,786 |
| Return on Equity (ROE) | 4.9400% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.8500% | 4,418 |
| Net charge-offs to loans | -0.0137% | 6,975 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4197% | 2,084 |
| Assets per employee ($millions) | 2.7348% | 6,794 |
| Cash dividends to net income (ytd only)* | 42.3077% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,649 |
| Loan loss allowance to noncurrent loans | 51.3554% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.7343% | 3,875 |
| Noncurrent loans to loans | 2.2808% | 3,415 |
| Net loans and leases to total assets | 75.1482% | 1,704 |
| Net loans and leases to deposits | 99.7158% | 772 |
| Net loans and leases to core deposits | 101.5960% | 1,966 |
| Total domestic deposits to total assets | 75.3624% | 6,855 |
| Equity capital to assets | 11.0873% | 2,688 |
| Core capital (leverage) ratio | 11.1742% | 2,116 |
| Tier 1 risk-based capital ratio | 10.8671% | 6,276 |
| Total risk-based capital ratio | 11.7511% | 6,622 |
| Memoranda: | ||
| Average total assets | $37,854,000 | 7,171 |
| Average earning assets | $36,054,000 | 7,091 |
| Average equity | $4,210,500 | 7,108 |
| Average total loans | $29,161,500 | 6,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0269% | 1,764 |
| Cost of funding earning assets | 1.9772% | 3,073 |
| Net interest margin | 4.0496% | 2,652 |
| Noninterest income to average assets | 0.3097% | 5,864 |
| Noninterest expense to average assets | 3.2891% | 3,044 |
| Loan and lease loss provision to assets | 0.1281% | 6,360 |
| Net operating income to assets | 0.7529% | 2,709 |
| Return on assets (ROA) | 0.7529% | 2,801 |
| Pretax return on assets | 0.7529% | 3,396 |
| Return on Equity (ROE) | 6.8824% | 2,835 |
| Retained earnings to average equity (ytd only) | 2.9287% | 3,118 |
| Net charge-offs to loans | 0.0321% | 6,805 |
| Credit loss provision to net charge-offs | 533.3333% | 564 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 644 |
| Efficiency ratio | 78.8732% | 3,063 |
| Assets per employee ($millions) | 2.6729% | 6,904 |
| Cash dividends to net income (ytd only)* | 57.4468% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,793 |
| Loan loss allowance to noncurrent loans | 101.2346% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 5,378 |
| Noncurrent loans to loans | 1.1092% | 5,108 |
| Net loans and leases to total assets | 77.1813% | 1,551 |
| Net loans and leases to deposits | 103.3900% | 678 |
| Net loans and leases to core deposits | 125.1007% | 1,571 |
| Total domestic deposits to total assets | 74.6506% | 6,922 |
| Equity capital to assets | 11.1595% | 2,568 |
| Core capital (leverage) ratio | 11.1686% | 2,131 |
| Tier 1 risk-based capital ratio | 10.9778% | 5,931 |
| Total risk-based capital ratio | 11.8467% | 6,279 |
| Memoranda: | ||
| Average total assets | $37,457,400 | 7,188 |
| Average earning assets | $35,706,800 | 7,113 |
| Average equity | $4,097,400 | 7,248 |
| Average total loans | $28,037,600 | 6,737 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 2,013 |
| Cost of funding earning assets | 2.0267% | 3,227 |
| Net interest margin | 3.9788% | 2,898 |
| Noninterest income to average assets | 0.2954% | 6,116 |
| Noninterest expense to average assets | 3.2668% | 3,047 |
| Loan and lease loss provision to assets | 0.1281% | 6,071 |
| Net operating income to assets | 0.7011% | 3,204 |
| Return on assets (ROA) | 0.7011% | 3,261 |
| Pretax return on assets | 0.7011% | 3,854 |
| Return on Equity (ROE) | 6.4413% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.2832% | 2,882 |
| Net charge-offs to loans | 0.0480% | 6,244 |
| Credit loss provision to net charge-offs | 360.0000% | 1,135 |
| Earnings coverage of net charge-offs (x) | 23.3053% | 1,125 |
| Efficiency ratio | 79.7567% | 2,883 |
| Assets per employee ($millions) | 2.6314% | 6,983 |
| Cash dividends to net income (ytd only)* | 33.5034% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,778 |
| Loan loss allowance to noncurrent loans | 59.2105% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.4441% | 4,218 |
| Noncurrent loans to loans | 1.8443% | 3,851 |
| Net loans and leases to total assets | 77.4478% | 1,678 |
| Net loans and leases to deposits | 105.0556% | 705 |
| Net loans and leases to core deposits | 125.5324% | 1,771 |
| Total domestic deposits to total assets | 73.7208% | 7,003 |
| Equity capital to assets | 11.4525% | 2,632 |
| Core capital (leverage) ratio | 11.3986% | 2,125 |
| Tier 1 risk-based capital ratio | 11.2028% | 5,750 |
| Total risk-based capital ratio | 12.0521% | 6,120 |
| Memoranda: | ||
| Average total assets | $37,466,500 | 7,253 |
| Average earning assets | $35,788,500 | 7,167 |
| Average equity | $4,077,750 | 7,327 |
| Average total loans | $27,744,500 | 6,806 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9218% | 2,488 |
| Cost of funding earning assets | 2.0629% | 3,458 |
| Net interest margin | 3.8589% | 3,297 |
| Noninterest income to average assets | 0.2867% | 6,211 |
| Noninterest expense to average assets | 3.2063% | 3,321 |
| Loan and lease loss provision to assets | 0.1274% | 5,827 |
| Net operating income to assets | 0.6370% | 3,520 |
| Return on assets (ROA) | 0.6370% | 3,626 |
| Pretax return on assets | 0.6370% | 4,211 |
| Return on Equity (ROE) | 5.9543% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.7711% | 3,201 |
| Net charge-offs to loans | 0.0731% | 5,483 |
| Credit loss provision to net charge-offs | 240.0000% | 1,941 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,656 |
| Efficiency ratio | 80.7487% | 2,928 |
| Assets per employee ($millions) | 2.6056% | 7,043 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 5,789 |
| Loan loss allowance to noncurrent loans | 325.8065% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 6,836 |
| Noncurrent loans to loans | 0.3282% | 6,690 |
| Net loans and leases to total assets | 76.8579% | 1,978 |
| Net loans and leases to deposits | 104.4247% | 880 |
| Net loans and leases to core deposits | 126.7954% | 1,797 |
| Total domestic deposits to total assets | 73.6013% | 7,022 |
| Equity capital to assets | 11.1434% | 2,798 |
| Core capital (leverage) ratio | 10.8854% | 2,500 |
| Tier 1 risk-based capital ratio | 11.1440% | 5,734 |
| Total risk-based capital ratio | 11.9678% | 6,111 |
| Memoranda: | ||
| Average total assets | $37,675,670 | 7,306 |
| Average earning assets | $35,968,670 | 7,226 |
| Average equity | $4,030,670 | 7,403 |
| Average total loans | $27,377,330 | 6,889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8170% | 3,214 |
| Cost of funding earning assets | 2.0595% | 3,829 |
| Net interest margin | 3.7575% | 3,625 |
| Noninterest income to average assets | 0.2717% | 6,259 |
| Noninterest expense to average assets | 3.1666% | 3,127 |
| Loan and lease loss provision to assets | 0.1254% | 5,353 |
| Net operating income to assets | 0.5644% | 4,164 |
| Return on assets (ROA) | 0.5644% | 4,354 |
| Pretax return on assets | 0.5644% | 4,867 |
| Return on Equity (ROE) | 5.3818% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.1892% | 4,099 |
| Net charge-offs to loans | 0.1636% | 3,660 |
| Credit loss provision to net charge-offs | 109.0909% | 3,527 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,567 |
| Efficiency ratio | 82.1138% | 2,515 |
| Assets per employee ($millions) | 2.7646% | 6,723 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,518 |
| Loan loss allowance to noncurrent loans | 68.8836% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 4,510 |
| Noncurrent loans to loans | 1.5882% | 3,892 |
| Net loans and leases to total assets | 67.7380% | 4,201 |
| Net loans and leases to deposits | 90.2979% | 2,880 |
| Net loans and leases to core deposits | 114.3443% | 2,975 |
| Total domestic deposits to total assets | 75.0161% | 6,715 |
| Equity capital to assets | 10.4069% | 3,561 |
| Core capital (leverage) ratio | 10.4919% | 2,938 |
| Tier 1 risk-based capital ratio | 10.4201% | 6,476 |
| Total risk-based capital ratio | 11.1654% | 6,915 |
| Memoranda: | ||
| Average total assets | $38,274,000 | 7,327 |
| Average earning assets | $36,513,500 | 7,245 |
| Average equity | $4,013,500 | 7,452 |
| Average total loans | $26,896,000 | 6,945 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6222% | 2,379 |
| Cost of funding earning assets | 2.5223% | 4,085 |
| Net interest margin | 4.0999% | 2,713 |
| Noninterest income to average assets | 0.3276% | 6,100 |
| Noninterest expense to average assets | 3.2182% | 3,271 |
| Loan and lease loss provision to assets | 0.1609% | 5,319 |
| Net operating income to assets | 0.8764% | 3,107 |
| Return on assets (ROA) | 0.8764% | 2,956 |
| Pretax return on assets | 0.8764% | 3,807 |
| Return on Equity (ROE) | 7.7419% | 3,177 |
| Retained earnings to average equity (ytd only) | 4.0106% | 2,637 |
| Net charge-offs to loans | -0.0077% | 7,827 |
| Credit loss provision to net charge-offs | -2,800.0000% | 7,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6246% | 3,299 |
| Assets per employee ($millions) | 2.7031% | 6,781 |
| Cash dividends to net income (ytd only)* | 48.1967% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,550 |
| Loan loss allowance to noncurrent loans | 2,890.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 7,491 |
| Noncurrent loans to loans | 0.0367% | 7,358 |
| Net loans and leases to total assets | 71.3342% | 3,721 |
| Net loans and leases to deposits | 96.0164% | 2,448 |
| Net loans and leases to core deposits | 121.4514% | 2,559 |
| Total domestic deposits to total assets | 74.2938% | 6,605 |
| Equity capital to assets | 10.5673% | 3,426 |
| Core capital (leverage) ratio | 11.0080% | 2,585 |
| Tier 1 risk-based capital ratio | 10.5502% | 6,156 |
| Total risk-based capital ratio | 11.3081% | 6,553 |
| Memoranda: | ||
| Average total assets | $34,802,200 | 7,431 |
| Average earning assets | $33,342,400 | 7,358 |
| Average equity | $3,939,600 | 7,534 |
| Average total loans | $25,864,000 | 6,976 |