Home > The State Bank > Performance and Condition Ratios
The 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 | 3.2796% | 4,456 |
| Cost of funding earning assets | 0.0905% | 4,484 |
| Net interest margin | 3.1891% | 2,903 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.4916% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8186% | 2,809 |
| Return on assets (ROA) | 0.8186% | 2,791 |
| Pretax return on assets | 1.0379% | 2,568 |
| Return on Equity (ROE) | 13.8400% | 1,519 |
| Retained earnings to average equity (ytd only) | 11.9879% | 637 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.5925% | 1,809 |
| Assets per employee ($millions) | 4.4060% | 3,993 |
| Cash dividends to net income (ytd only)* | 13.3956% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3572% | 232 |
| Loan loss allowance to noncurrent loans | 484.3750% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 2,324 |
| Noncurrent loans to loans | 0.4867% | 1,569 |
| Net loans and leases to total assets | 36.4300% | 4,140 |
| Net loans and leases to deposits | 39.8999% | 4,205 |
| Net loans and leases to core deposits | 39.8999% | 4,285 |
| Total domestic deposits to total assets | 91.3000% | 429 |
| Equity capital to assets | 7.8444% | 3,516 |
| Core capital (leverage) ratio | 10.2354% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5812% | 252 |
| Memoranda: | ||
| Average total assets | $39,212,200 | 4,397 |
| Average earning assets | $37,566,000 | 4,360 |
| Average equity | $2,319,000 | 4,472 |
| Average total loans | $13,740,600 | 4,370 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2519% | 4,471 |
| Cost of funding earning assets | 0.0900% | 4,511 |
| Net interest margin | 3.1618% | 2,999 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.4177% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8457% | 2,875 |
| Return on assets (ROA) | 0.8457% | 2,857 |
| Pretax return on assets | 1.0712% | 2,649 |
| Return on Equity (ROE) | 15.4000% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.8045% | 846 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.2966% | 1,870 |
| Assets per employee ($millions) | 4.7179% | 3,796 |
| Cash dividends to net income (ytd only)* | 16.8627% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 252 |
| Loan loss allowance to noncurrent loans | 469.6970% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,416 |
| Noncurrent loans to loans | 0.4919% | 1,592 |
| Net loans and leases to total assets | 34.7300% | 4,225 |
| Net loans and leases to deposits | 37.0254% | 4,275 |
| Net loans and leases to core deposits | 37.0254% | 4,309 |
| Total domestic deposits to total assets | 93.7900% | 207 |
| Equity capital to assets | 5.9693% | 3,998 |
| Core capital (leverage) ratio | 9.5690% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1949% | 282 |
| Memoranda: | ||
| Average total assets | $40,203,250 | 4,406 |
| Average earning assets | $38,500,000 | 4,374 |
| Average equity | $2,207,500 | 4,496 |
| Average total loans | $13,888,000 | 4,387 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2489% | 4,481 |
| Cost of funding earning assets | 0.0917% | 4,522 |
| Net interest margin | 3.1573% | 3,088 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.3694% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8727% | 2,839 |
| Return on assets (ROA) | 0.8727% | 2,835 |
| Pretax return on assets | 1.1067% | 2,630 |
| Return on Equity (ROE) | 16.3300% | 1,211 |
| Retained earnings to average equity (ytd only) | 12.4069% | 904 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1627% | 1,967 |
| Assets per employee ($millions) | 4.5580% | 3,911 |
| Cash dividends to net income (ytd only)* | 24.0223% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 280 |
| Loan loss allowance to noncurrent loans | 455.8824% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 2,398 |
| Noncurrent loans to loans | 0.4983% | 1,463 |
| Net loans and leases to total assets | 32.5100% | 4,269 |
| Net loans and leases to deposits | 34.5099% | 4,324 |
| Net loans and leases to core deposits | 34.5099% | 4,352 |
| Total domestic deposits to total assets | 94.2000% | 139 |
| Equity capital to assets | 5.5872% | 4,270 |
| Core capital (leverage) ratio | 8.3366% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1405% | 294 |
| Memoranda: | ||
| Average total assets | $41,023,333 | 4,426 |
| Average earning assets | $39,274,667 | 4,394 |
| Average equity | $2,192,333 | 4,531 |
| Average total loans | $14,045,000 | 4,408 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0137% | 4,559 |
| Cost of funding earning assets | 0.0913% | 4,550 |
| Net interest margin | 2.9223% | 3,754 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.2913% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7800% | 3,253 |
| Return on assets (ROA) | 0.7800% | 3,209 |
| Pretax return on assets | 0.9750% | 3,068 |
| Return on Equity (ROE) | 14.9400% | 1,564 |
| Retained earnings to average equity (ytd only) | 6.9078% | 2,518 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.1493% | 1,732 |
| Assets per employee ($millions) | 4.6746% | 3,910 |
| Cash dividends to net income (ytd only)* | 53.7500% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 316 |
| Loan loss allowance to noncurrent loans | 442.8571% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 2,337 |
| Noncurrent loans to loans | 0.4984% | 1,470 |
| Net loans and leases to total assets | 32.6500% | 4,306 |
| Net loans and leases to deposits | 34.5961% | 4,361 |
| Net loans and leases to core deposits | 34.5961% | 4,388 |
| Total domestic deposits to total assets | 94.3700% | 141 |
| Equity capital to assets | 5.4004% | 4,358 |
| Core capital (leverage) ratio | 8.5239% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8655% | 316 |
| Memoranda: | ||
| Average total assets | $41,024,000 | 4,490 |
| Average earning assets | $39,420,500 | 4,460 |
| Average equity | $2,142,500 | 4,602 |
| Average total loans | $14,244,500 | 4,467 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6125% | 4,456 |
| Cost of funding earning assets | 0.0964% | 4,409 |
| Net interest margin | 2.5161% | 4,272 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.3023% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4429% | 4,189 |
| Return on assets (ROA) | 0.4429% | 4,146 |
| Pretax return on assets | 0.5306% | 4,129 |
| Return on Equity (ROE) | 8.0800% | 3,373 |
| Retained earnings to average equity (ytd only) | 8.0774% | 1,798 |
| Net charge-offs to loans | 0.0275% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 1,307 |
| Efficiency ratio | 81.2715% | 636 |
| Assets per employee ($millions) | 4.4419% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1462% | 331 |
| Loan loss allowance to noncurrent loans | 430.5556% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 2,288 |
| Noncurrent loans to loans | 0.4985% | 1,450 |
| Net loans and leases to total assets | 35.3600% | 4,247 |
| Net loans and leases to deposits | 37.2830% | 4,315 |
| Net loans and leases to core deposits | 37.2830% | 4,349 |
| Total domestic deposits to total assets | 94.8300% | 159 |
| Equity capital to assets | 5.0354% | 4,359 |
| Core capital (leverage) ratio | 8.5153% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7087% | 343 |
| Memoranda: | ||
| Average total assets | $41,089,200 | 4,516 |
| Average earning assets | $39,426,000 | 4,484 |
| Average equity | $2,253,200 | 4,659 |
| Average total loans | $14,519,800 | 4,492 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5139% | 4,436 |
| Cost of funding earning assets | 0.0940% | 4,328 |
| Net interest margin | 2.4199% | 4,300 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.2916% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3900% | 4,257 |
| Return on assets (ROA) | 0.3900% | 4,204 |
| Pretax return on assets | 0.4512% | 4,209 |
| Return on Equity (ROE) | 6.9700% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.9741% | 2,366 |
| Net charge-offs to loans | 0.0275% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 1,321 |
| Efficiency ratio | 83.5488% | 573 |
| Assets per employee ($millions) | 4.5033% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1252% | 389 |
| Loan loss allowance to noncurrent loans | 414.8649% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,381 |
| Noncurrent loans to loans | 0.5123% | 1,519 |
| Net loans and leases to total assets | 34.8900% | 4,275 |
| Net loans and leases to deposits | 36.4736% | 4,350 |
| Net loans and leases to core deposits | 36.4736% | 4,388 |
| Total domestic deposits to total assets | 95.6500% | 159 |
| Equity capital to assets | 4.1278% | 4,466 |
| Core capital (leverage) ratio | 8.4534% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8883% | 386 |
| Memoranda: | ||
| Average total assets | $41,367,250 | 4,547 |
| Average earning assets | $39,724,750 | 4,514 |
| Average equity | $2,313,250 | 4,693 |
| Average total loans | $14,538,750 | 4,527 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4277% | 4,443 |
| Cost of funding earning assets | 0.0999% | 4,192 |
| Net interest margin | 2.3278% | 4,303 |
| Noninterest income to average assets | 0.4130% | 2,673 |
| Noninterest expense to average assets | 2.2715% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3458% | 4,212 |
| Return on assets (ROA) | 0.3458% | 4,166 |
| Pretax return on assets | 0.3794% | 4,188 |
| Return on Equity (ROE) | 5.6992% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.6992% | 2,435 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6884% | 591 |
| Assets per employee ($millions) | 5.0974% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1434% | 413 |
| Loan loss allowance to noncurrent loans | 407.8947% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,425 |
| Noncurrent loans to loans | 0.5255% | 1,572 |
| Net loans and leases to total assets | 34.7066% | 4,300 |
| Net loans and leases to deposits | 36.6706% | 4,374 |
| Net loans and leases to core deposits | 36.6706% | 4,413 |
| Total domestic deposits to total assets | 94.6443% | 187 |
| Equity capital to assets | 5.1620% | 4,441 |
| Core capital (leverage) ratio | 8.1344% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6042% | 395 |
| Memoranda: | ||
| Average total assets | $41,646,333 | 4,591 |
| Average earning assets | $40,037,667 | 4,565 |
| Average equity | $2,526,667 | 4,714 |
| Average total loans | $14,569,667 | 4,586 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3167% | 4,447 |
| Cost of funding earning assets | 0.0986% | 4,148 |
| Net interest margin | 2.2181% | 4,327 |
| Noninterest income to average assets | 0.3992% | 2,693 |
| Noninterest expense to average assets | 2.4049% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1901% | 4,348 |
| Return on assets (ROA) | 0.1901% | 4,313 |
| Pretax return on assets | 0.1331% | 4,410 |
| Return on Equity (ROE) | 2.9224% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.9224% | 3,290 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7566% | 368 |
| Assets per employee ($millions) | 4.3099% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1294% | 502 |
| Loan loss allowance to noncurrent loans | 360.4651% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,434 |
| Noncurrent loans to loans | 0.5907% | 1,579 |
| Net loans and leases to total assets | 33.0588% | 4,338 |
| Net loans and leases to deposits | 35.0418% | 4,417 |
| Net loans and leases to core deposits | 35.0418% | 4,457 |
| Total domestic deposits to total assets | 94.3409% | 85 |
| Equity capital to assets | 5.4990% | 4,667 |
| Core capital (leverage) ratio | 7.6667% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4562% | 403 |
| Memoranda: | ||
| Average total assets | $42,080,000 | 4,614 |
| Average earning assets | $40,575,000 | 4,587 |
| Average equity | $2,737,500 | 4,733 |
| Average total loans | $14,623,000 | 4,608 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9523% | 3,957 |
| Cost of funding earning assets | 0.1065% | 4,337 |
| Net interest margin | 2.8458% | 3,573 |
| Noninterest income to average assets | 0.4717% | 2,712 |
| Noninterest expense to average assets | 2.5526% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6756% | 3,682 |
| Return on assets (ROA) | 0.7198% | 3,633 |
| Pretax return on assets | 0.7198% | 3,888 |
| Return on Equity (ROE) | 9.1757% | 2,844 |
| Retained earnings to average equity (ytd only) | 9.1757% | 1,145 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0715% | 867 |
| Assets per employee ($millions) | 3.7328% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1106% | 511 |
| Loan loss allowance to noncurrent loans | 348.3146% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 2,474 |
| Noncurrent loans to loans | 0.6059% | 1,627 |
| Net loans and leases to total assets | 35.0162% | 4,331 |
| Net loans and leases to deposits | 37.9227% | 4,406 |
| Net loans and leases to core deposits | 37.9227% | 4,461 |
| Total domestic deposits to total assets | 92.3358% | 113 |
| Equity capital to assets | 7.5619% | 4,572 |
| Core capital (leverage) ratio | 8.0622% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3307% | 424 |
| Memoranda: | ||
| Average total assets | $40,703,200 | 4,655 |
| Average earning assets | $39,427,000 | 4,625 |
| Average equity | $3,193,200 | 4,758 |
| Average total loans | $15,126,800 | 4,647 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1122% | 3,784 |
| Cost of funding earning assets | 0.1084% | 4,435 |
| Net interest margin | 3.0038% | 3,293 |
| Noninterest income to average assets | 0.4498% | 2,841 |
| Noninterest expense to average assets | 2.5180% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8437% | 3,408 |
| Return on assets (ROA) | 0.9028% | 3,318 |
| Pretax return on assets | 0.9028% | 3,689 |
| Return on Equity (ROE) | 11.4037% | 2,239 |
| Retained earnings to average equity (ytd only) | 11.4037% | 969 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9023% | 1,140 |
| Assets per employee ($millions) | 4.0775% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 541 |
| Loan loss allowance to noncurrent loans | 329.7872% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 2,621 |
| Noncurrent loans to loans | 0.6350% | 1,724 |
| Net loans and leases to total assets | 35.5414% | 4,410 |
| Net loans and leases to deposits | 38.7652% | 4,494 |
| Net loans and leases to core deposits | 38.7652% | 4,551 |
| Total domestic deposits to total assets | 91.6836% | 193 |
| Equity capital to assets | 8.0662% | 4,489 |
| Core capital (leverage) ratio | 8.1105% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5380% | 454 |
| Memoranda: | ||
| Average total assets | $40,613,750 | 4,724 |
| Average earning assets | $39,371,250 | 4,690 |
| Average equity | $3,215,250 | 4,831 |
| Average total loans | $15,236,500 | 4,713 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 3,530 |
| Cost of funding earning assets | 0.1068% | 4,528 |
| Net interest margin | 3.1575% | 2,879 |
| Noninterest income to average assets | 0.4536% | 2,827 |
| Noninterest expense to average assets | 2.4211% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0947% | 2,575 |
| Return on assets (ROA) | 1.1834% | 2,316 |
| Pretax return on assets | 1.1834% | 2,959 |
| Return on Equity (ROE) | 15.0439% | 1,144 |
| Retained earnings to average equity (ytd only) | 15.0439% | 422 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8640% | 1,778 |
| Assets per employee ($millions) | 4.6808% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 496 |
| Loan loss allowance to noncurrent loans | 319.5876% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 2,776 |
| Noncurrent loans to loans | 0.6602% | 1,767 |
| Net loans and leases to total assets | 34.1396% | 4,537 |
| Net loans and leases to deposits | 37.0804% | 4,609 |
| Net loans and leases to core deposits | 37.0804% | 4,648 |
| Total domestic deposits to total assets | 92.0692% | 116 |
| Equity capital to assets | 7.7290% | 4,663 |
| Core capital (leverage) ratio | 7.7894% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4198% | 409 |
| Memoranda: | ||
| Average total assets | $40,560,000 | 4,756 |
| Average earning assets | $39,334,667 | 4,719 |
| Average equity | $3,190,667 | 4,864 |
| Average total loans | $15,381,333 | 4,745 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7990% | 4,381 |
| Cost of funding earning assets | 0.1037% | 4,631 |
| Net interest margin | 2.6953% | 3,980 |
| Noninterest income to average assets | 0.4425% | 2,860 |
| Noninterest expense to average assets | 2.5342% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5229% | 4,130 |
| Return on assets (ROA) | 0.5229% | 4,171 |
| Pretax return on assets | 0.5229% | 4,306 |
| Return on Equity (ROE) | 6.5864% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.5864% | 2,699 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8947% | 653 |
| Assets per employee ($millions) | 4.6649% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 648 |
| Loan loss allowance to noncurrent loans | 300.9709% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 2,906 |
| Noncurrent loans to loans | 0.6505% | 1,944 |
| Net loans and leases to total assets | 36.9784% | 4,460 |
| Net loans and leases to deposits | 39.9861% | 4,567 |
| Net loans and leases to core deposits | 39.9861% | 4,620 |
| Total domestic deposits to total assets | 92.4781% | 73 |
| Equity capital to assets | 7.3552% | 4,755 |
| Core capital (leverage) ratio | 7.5184% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4564% | 484 |
| Memoranda: | ||
| Average total assets | $39,776,500 | 4,786 |
| Average earning assets | $38,585,500 | 4,746 |
| Average equity | $3,158,000 | 4,888 |
| Average total loans | $15,726,000 | 4,768 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 3,904 |
| Cost of funding earning assets | 0.1374% | 4,766 |
| Net interest margin | 3.4237% | 2,698 |
| Noninterest income to average assets | 0.4950% | 2,652 |
| Noninterest expense to average assets | 2.7833% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0268% | 2,189 |
| Return on assets (ROA) | 1.0268% | 2,333 |
| Pretax return on assets | 1.0239% | 2,963 |
| Return on Equity (ROE) | 11.6182% | 1,439 |
| Retained earnings to average equity (ytd only) | 3.5527% | 3,059 |
| Net charge-offs to loans | 0.0061% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 362.0000% | 303 |
| Efficiency ratio | 73.1055% | 1,555 |
| Assets per employee ($millions) | 4.1743% | 4,232 |
| Cash dividends to net income (ytd only)* | 69.4215% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9850% | 609 |
| Loan loss allowance to noncurrent loans | 287.0370% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 2,853 |
| Noncurrent loans to loans | 0.6916% | 1,959 |
| Net loans and leases to total assets | 40.7437% | 4,410 |
| Net loans and leases to deposits | 44.6372% | 4,508 |
| Net loans and leases to core deposits | 44.6372% | 4,584 |
| Total domestic deposits to total assets | 91.2774% | 162 |
| Equity capital to assets | 8.5922% | 4,379 |
| Core capital (leverage) ratio | 7.8906% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9276% | 510 |
| Memoranda: | ||
| Average total assets | $35,354,200 | 4,825 |
| Average earning assets | $34,203,000 | 4,790 |
| Average equity | $3,124,400 | 4,903 |
| Average total loans | $16,390,400 | 4,780 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,022 |
| Cost of funding earning assets | 0.1425% | 4,815 |
| Net interest margin | 3.4514% | 2,747 |
| Noninterest income to average assets | 0.4904% | 2,649 |
| Noninterest expense to average assets | 2.8888% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9463% | 2,537 |
| Return on assets (ROA) | 0.9463% | 2,667 |
| Pretax return on assets | 0.9425% | 3,256 |
| Return on Equity (ROE) | 10.6285% | 1,808 |
| Retained earnings to average equity (ytd only) | -0.2152% | 4,513 |
| Net charge-offs to loans | 0.0080% | 2,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 412 |
| Efficiency ratio | 75.4000% | 1,260 |
| Assets per employee ($millions) | 4.0904% | 4,250 |
| Cash dividends to net income (ytd only)* | 102.0243% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 742 |
| Loan loss allowance to noncurrent loans | 210.8844% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 2,581 |
| Noncurrent loans to loans | 0.8489% | 1,738 |
| Net loans and leases to total assets | 46.1971% | 4,305 |
| Net loans and leases to deposits | 50.6945% | 4,464 |
| Net loans and leases to core deposits | 50.6945% | 4,562 |
| Total domestic deposits to total assets | 91.1284% | 149 |
| Equity capital to assets | 8.5321% | 4,444 |
| Core capital (leverage) ratio | 7.9375% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5186% | 622 |
| Memoranda: | ||
| Average total assets | $34,800,500 | 4,858 |
| Average earning assets | $33,686,000 | 4,828 |
| Average equity | $3,098,500 | 4,932 |
| Average total loans | $16,583,750 | 4,810 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 4,011 |
| Cost of funding earning assets | 0.1515% | 4,873 |
| Net interest margin | 3.5865% | 2,528 |
| Noninterest income to average assets | 0.4981% | 2,576 |
| Noninterest expense to average assets | 2.9066% | 1,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0665% | 2,087 |
| Return on assets (ROA) | 1.0665% | 2,209 |
| Pretax return on assets | 1.0607% | 2,832 |
| Return on Equity (ROE) | 11.8016% | 1,384 |
| Retained earnings to average equity (ytd only) | 3.3719% | 3,237 |
| Net charge-offs to loans | 0.0122% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 483 |
| Efficiency ratio | 73.2644% | 1,537 |
| Assets per employee ($millions) | 4.0398% | 4,272 |
| Cash dividends to net income (ytd only)* | 71.4286% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 548 |
| Loan loss allowance to noncurrent loans | 189.0244% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 2,513 |
| Noncurrent loans to loans | 0.9967% | 1,559 |
| Net loans and leases to total assets | 44.4029% | 4,434 |
| Net loans and leases to deposits | 48.8265% | 4,574 |
| Net loans and leases to core deposits | 49.3067% | 4,635 |
| Total domestic deposits to total assets | 90.9401% | 156 |
| Equity capital to assets | 8.8261% | 4,236 |
| Core capital (leverage) ratio | 8.3261% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5763% | 468 |
| Memoranda: | ||
| Average total assets | $34,129,333 | 4,893 |
| Average earning assets | $33,013,000 | 4,859 |
| Average equity | $3,084,333 | 4,966 |
| Average total loans | $16,339,333 | 4,841 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 3,275 |
| Cost of funding earning assets | 0.1507% | 4,968 |
| Net interest margin | 4.0323% | 1,307 |
| Noninterest income to average assets | 0.5452% | 2,305 |
| Noninterest expense to average assets | 3.1501% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2964% | 1,253 |
| Return on assets (ROA) | 1.2964% | 1,351 |
| Pretax return on assets | 1.2843% | 1,917 |
| Return on Equity (ROE) | 14.1628% | 665 |
| Retained earnings to average equity (ytd only) | -3.0443% | 4,360 |
| Net charge-offs to loans | 0.0246% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 557 |
| Efficiency ratio | 71.0383% | 2,214 |
| Assets per employee ($millions) | 3.3156% | 4,629 |
| Cash dividends to net income (ytd only)* | 121.4953% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 569 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 2,995 |
| Noncurrent loans to loans | 0.7483% | 2,134 |
| Net loans and leases to total assets | 47.4333% | 4,368 |
| Net loans and leases to deposits | 52.4251% | 4,502 |
| Net loans and leases to core deposits | 52.9939% | 4,601 |
| Total domestic deposits to total assets | 90.4783% | 200 |
| Equity capital to assets | 9.2532% | 4,427 |
| Core capital (leverage) ratio | 8.7273% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9431% | 562 |
| Memoranda: | ||
| Average total assets | $33,015,000 | 4,941 |
| Average earning assets | $31,842,500 | 4,907 |
| Average equity | $3,022,000 | 5,014 |
| Average total loans | $16,282,000 | 4,876 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 4,389 |
| Cost of funding earning assets | 0.1559% | 5,040 |
| Net interest margin | 3.7667% | 2,621 |
| Noninterest income to average assets | 0.5452% | 2,512 |
| Noninterest expense to average assets | 2.9036% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2801% | 1,767 |
| Return on assets (ROA) | 1.2801% | 1,843 |
| Pretax return on assets | 1.2801% | 2,571 |
| Return on Equity (ROE) | 14.6299% | 766 |
| Retained earnings to average equity (ytd only) | -0.8262% | 4,793 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4024% | 2,263 |
| Assets per employee ($millions) | 3.6527% | 4,316 |
| Cash dividends to net income (ytd only)* | 105.6471% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 581 |
| Loan loss allowance to noncurrent loans | 92.8144% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 1,225 |
| Noncurrent loans to loans | 2.0209% | 633 |
| Net loans and leases to total assets | 49.3308% | 4,355 |
| Net loans and leases to deposits | 54.3283% | 4,518 |
| Net loans and leases to core deposits | 54.9133% | 4,622 |
| Total domestic deposits to total assets | 90.8012% | 145 |
| Equity capital to assets | 9.0527% | 4,659 |
| Core capital (leverage) ratio | 8.8852% | 4,611 |
| Tier 1 risk-based capital ratio | 21.1619% | 1,139 |
| Total risk-based capital ratio | 22.4256% | 1,113 |
| Memoranda: | ||
| Average total assets | $33,199,800 | 4,993 |
| Average earning assets | $32,070,800 | 4,961 |
| Average equity | $2,905,000 | 5,076 |
| Average total loans | $17,518,800 | 4,920 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 4,447 |
| Cost of funding earning assets | 0.1575% | 5,112 |
| Net interest margin | 3.7996% | 2,601 |
| Noninterest income to average assets | 0.5408% | 2,507 |
| Noninterest expense to average assets | 2.9405% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2740% | 1,939 |
| Return on assets (ROA) | 1.2740% | 2,017 |
| Pretax return on assets | 1.2740% | 2,741 |
| Return on Equity (ROE) | 14.6849% | 853 |
| Retained earnings to average equity (ytd only) | -6.0494% | 5,086 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7719% | 2,149 |
| Assets per employee ($millions) | 3.6906% | 4,285 |
| Cash dividends to net income (ytd only)* | 141.1944% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 647 |
| Loan loss allowance to noncurrent loans | 98.1073% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 1,417 |
| Noncurrent loans to loans | 1.8613% | 756 |
| Net loans and leases to total assets | 50.3387% | 4,407 |
| Net loans and leases to deposits | 55.3331% | 4,580 |
| Net loans and leases to core deposits | 55.9216% | 4,689 |
| Total domestic deposits to total assets | 90.9740% | 104 |
| Equity capital to assets | 8.6377% | 4,951 |
| Core capital (leverage) ratio | 8.4976% | 4,949 |
| Tier 1 risk-based capital ratio | 19.6471% | 1,430 |
| Total risk-based capital ratio | 20.9074% | 1,394 |
| Memoranda: | ||
| Average total assets | $33,281,250 | 5,064 |
| Average earning assets | $32,178,000 | 5,033 |
| Average equity | $2,887,250 | 5,154 |
| Average total loans | $17,766,750 | 4,985 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 4,515 |
| Cost of funding earning assets | 0.1430% | 5,173 |
| Net interest margin | 3.7852% | 2,634 |
| Noninterest income to average assets | 0.5285% | 2,520 |
| Noninterest expense to average assets | 2.9186% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2491% | 1,962 |
| Return on assets (ROA) | 1.2491% | 2,020 |
| Pretax return on assets | 1.2671% | 2,685 |
| Return on Equity (ROE) | 14.3779% | 899 |
| Retained earnings to average equity (ytd only) | -6.2212% | 5,098 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7274% | 2,267 |
| Assets per employee ($millions) | 3.6799% | 4,270 |
| Cash dividends to net income (ytd only)* | 143.2692% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 808 |
| Loan loss allowance to noncurrent loans | 88.3523% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 1,289 |
| Noncurrent loans to loans | 1.9290% | 753 |
| Net loans and leases to total assets | 54.1592% | 4,196 |
| Net loans and leases to deposits | 61.5926% | 4,349 |
| Net loans and leases to core deposits | 61.5926% | 4,516 |
| Total domestic deposits to total assets | 87.9314% | 1,135 |
| Equity capital to assets | 8.7442% | 4,926 |
| Core capital (leverage) ratio | 8.5706% | 4,929 |
| Tier 1 risk-based capital ratio | 18.5164% | 1,664 |
| Total risk-based capital ratio | 19.7776% | 1,624 |
| Memoranda: | ||
| Average total assets | $33,303,330 | 5,102 |
| Average earning assets | $32,178,000 | 5,075 |
| Average equity | $2,893,330 | 5,194 |
| Average total loans | $18,012,000 | 5,024 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 4,583 |
| Cost of funding earning assets | 0.1244% | 5,252 |
| Net interest margin | 3.7562% | 2,680 |
| Noninterest income to average assets | 0.5150% | 2,468 |
| Noninterest expense to average assets | 3.0184% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1019% | 2,457 |
| Return on assets (ROA) | 1.1019% | 2,505 |
| Pretax return on assets | 1.1139% | 3,104 |
| Return on Equity (ROE) | 12.7248% | 1,316 |
| Retained earnings to average equity (ytd only) | 4.4260% | 3,156 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0435% | 1,880 |
| Assets per employee ($millions) | 3.7616% | 4,256 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 749 |
| Loan loss allowance to noncurrent loans | 66.7382% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 921 |
| Noncurrent loans to loans | 2.6483% | 475 |
| Net loans and leases to total assets | 51.0575% | 4,401 |
| Net loans and leases to deposits | 56.0746% | 4,597 |
| Net loans and leases to core deposits | 56.0746% | 4,713 |
| Total domestic deposits to total assets | 91.0528% | 162 |
| Equity capital to assets | 8.6784% | 4,889 |
| Core capital (leverage) ratio | 8.8538% | 4,752 |
| Tier 1 risk-based capital ratio | 20.1165% | 1,325 |
| Total risk-based capital ratio | 21.3763% | 1,286 |
| Memoranda: | ||
| Average total assets | $33,395,500 | 5,156 |
| Average earning assets | $32,160,000 | 5,128 |
| Average equity | $2,892,000 | 5,247 |
| Average total loans | $17,894,000 | 5,082 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8386% | 4,407 |
| Cost of funding earning assets | 0.1459% | 5,183 |
| Net interest margin | 3.6927% | 3,060 |
| Noninterest income to average assets | 0.6134% | 2,225 |
| Noninterest expense to average assets | 2.8524% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3250% | 1,698 |
| Return on assets (ROA) | 1.3250% | 1,692 |
| Pretax return on assets | 1.3311% | 2,397 |
| Return on Equity (ROE) | 15.6420% | 698 |
| Retained earnings to average equity (ytd only) | 7.0244% | 1,660 |
| Net charge-offs to loans | 0.0741% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 33.3846% | 1,494 |
| Efficiency ratio | 68.1818% | 2,505 |
| Assets per employee ($millions) | 3.2937% | 4,743 |
| Cash dividends to net income (ytd only)* | 55.0926% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 815 |
| Loan loss allowance to noncurrent loans | 68.3516% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 897 |
| Noncurrent loans to loans | 2.5011% | 484 |
| Net loans and leases to total assets | 54.2885% | 4,258 |
| Net loans and leases to deposits | 59.6292% | 4,499 |
| Net loans and leases to core deposits | 59.6292% | 4,646 |
| Total domestic deposits to total assets | 91.0435% | 196 |
| Equity capital to assets | 8.6407% | 4,854 |
| Core capital (leverage) ratio | 9.0134% | 4,641 |
| Tier 1 risk-based capital ratio | 19.1114% | 1,499 |
| Total risk-based capital ratio | 20.3734% | 1,459 |
| Memoranda: | ||
| Average total assets | $32,604,600 | 5,210 |
| Average earning assets | $31,521,600 | 5,176 |
| Average equity | $2,761,800 | 5,299 |
| Average total loans | $17,541,800 | 5,135 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,409 |
| Cost of funding earning assets | 0.1482% | 5,226 |
| Net interest margin | 3.6662% | 3,140 |
| Noninterest income to average assets | 0.6068% | 2,272 |
| Noninterest expense to average assets | 2.9026% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2545% | 2,027 |
| Return on assets (ROA) | 1.2545% | 2,034 |
| Pretax return on assets | 1.2545% | 2,794 |
| Return on Equity (ROE) | 14.8861% | 896 |
| Retained earnings to average equity (ytd only) | 7.1999% | 2,026 |
| Net charge-offs to loans | 0.0997% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 23.5424% | 1,839 |
| Efficiency ratio | 69.8225% | 2,224 |
| Assets per employee ($millions) | 3.1930% | 4,890 |
| Cash dividends to net income (ytd only)* | 51.6336% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 763 |
| Loan loss allowance to noncurrent loans | 151.7073% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 2,266 |
| Noncurrent loans to loans | 1.1689% | 1,443 |
| Net loans and leases to total assets | 53.9524% | 4,362 |
| Net loans and leases to deposits | 59.3441% | 4,586 |
| Net loans and leases to core deposits | 59.3441% | 4,729 |
| Total domestic deposits to total assets | 90.9145% | 239 |
| Equity capital to assets | 8.6220% | 4,853 |
| Core capital (leverage) ratio | 8.9140% | 4,788 |
| Tier 1 risk-based capital ratio | 19.5642% | 1,424 |
| Total risk-based capital ratio | 20.8229% | 1,390 |
| Memoranda: | ||
| Average total assets | $32,521,500 | 5,281 |
| Average earning assets | $31,494,500 | 5,244 |
| Average equity | $2,740,750 | 5,369 |
| Average total loans | $17,379,250 | 5,200 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 4,427 |
| Cost of funding earning assets | 0.1328% | 5,308 |
| Net interest margin | 3.6349% | 3,183 |
| Noninterest income to average assets | 0.6113% | 2,265 |
| Noninterest expense to average assets | 2.8608% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2776% | 1,867 |
| Return on assets (ROA) | 1.2776% | 1,869 |
| Pretax return on assets | 1.2653% | 2,646 |
| Return on Equity (ROE) | 15.2740% | 799 |
| Retained earnings to average equity (ytd only) | 14.2509% | 256 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3333% | 2,418 |
| Assets per employee ($millions) | 3.2911% | 4,827 |
| Cash dividends to net income (ytd only)* | 6.6986% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 723 |
| Loan loss allowance to noncurrent loans | 305.6604% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 3,475 |
| Noncurrent loans to loans | 0.5959% | 2,632 |
| Net loans and leases to total assets | 53.0674% | 4,407 |
| Net loans and leases to deposits | 59.2858% | 4,571 |
| Net loans and leases to core deposits | 59.2858% | 4,738 |
| Total domestic deposits to total assets | 89.5111% | 736 |
| Equity capital to assets | 8.5534% | 4,906 |
| Core capital (leverage) ratio | 8.9049% | 4,782 |
| Tier 1 risk-based capital ratio | 19.8366% | 1,354 |
| Total risk-based capital ratio | 21.0992% | 1,321 |
| Memoranda: | ||
| Average total assets | $32,718,670 | 5,345 |
| Average earning assets | $31,638,000 | 5,308 |
| Average equity | $2,736,670 | 5,433 |
| Average total loans | $17,326,330 | 5,259 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6421% | 4,615 |
| Cost of funding earning assets | 0.1396% | 5,312 |
| Net interest margin | 3.5025% | 3,527 |
| Noninterest income to average assets | 0.6131% | 2,201 |
| Noninterest expense to average assets | 2.8814% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1526% | 2,205 |
| Return on assets (ROA) | 1.1526% | 2,217 |
| Pretax return on assets | 1.1158% | 3,112 |
| Return on Equity (ROE) | 13.9388% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.9388% | 410 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0859% | 2,185 |
| Assets per employee ($millions) | 3.3934% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 645 |
| Loan loss allowance to noncurrent loans | 161.1940% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 2,545 |
| Noncurrent loans to loans | 1.1846% | 1,547 |
| Net loans and leases to total assets | 49.0482% | 4,624 |
| Net loans and leases to deposits | 53.4575% | 4,823 |
| Net loans and leases to core deposits | 53.4575% | 4,931 |
| Total domestic deposits to total assets | 91.7516% | 141 |
| Equity capital to assets | 8.0244% | 5,261 |
| Core capital (leverage) ratio | 8.6005% | 5,066 |
| Tier 1 risk-based capital ratio | 19.5360% | 1,430 |
| Total risk-based capital ratio | 20.7958% | 1,399 |
| Memoranda: | ||
| Average total assets | $32,622,500 | 5,402 |
| Average earning assets | $31,520,000 | 5,363 |
| Average equity | $2,697,500 | 5,493 |
| Average total loans | $17,095,000 | 5,324 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 4,684 |
| Cost of funding earning assets | 0.1526% | 5,249 |
| Net interest margin | 3.4025% | 3,850 |
| Noninterest income to average assets | 0.5560% | 2,675 |
| Noninterest expense to average assets | 2.8367% | 2,659 |
| Loan and lease loss provision to assets | 0.0377% | 3,513 |
| Net operating income to assets | 0.9801% | 2,328 |
| Return on assets (ROA) | 0.9801% | 2,365 |
| Pretax return on assets | 0.9738% | 3,661 |
| Return on Equity (ROE) | 11.4681% | 1,350 |
| Retained earnings to average equity (ytd only) | -1.7643% | 5,261 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7143% | 1,939 |
| Assets per employee ($millions) | 3.4790% | 4,728 |
| Cash dividends to net income (ytd only)* | 115.3846% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 671 |
| Loan loss allowance to noncurrent loans | 155.0239% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 2,311 |
| Noncurrent loans to loans | 1.2136% | 1,458 |
| Net loans and leases to total assets | 53.9683% | 4,373 |
| Net loans and leases to deposits | 59.1335% | 4,629 |
| Net loans and leases to core deposits | 59.1335% | 4,794 |
| Total domestic deposits to total assets | 91.2651% | 183 |
| Equity capital to assets | 8.5337% | 5,097 |
| Core capital (leverage) ratio | 8.6455% | 4,996 |
| Tier 1 risk-based capital ratio | 18.2629% | 1,723 |
| Total risk-based capital ratio | 19.5208% | 1,670 |
| Memoranda: | ||
| Average total assets | $31,832,800 | 5,469 |
| Average earning assets | $30,800,800 | 5,427 |
| Average equity | $2,720,600 | 5,550 |
| Average total loans | $16,539,200 | 5,406 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 4,817 |
| Cost of funding earning assets | 0.1551% | 5,286 |
| Net interest margin | 3.3429% | 4,036 |
| Noninterest income to average assets | 0.5506% | 2,728 |
| Noninterest expense to average assets | 2.8198% | 2,660 |
| Loan and lease loss provision to assets | 0.0501% | 3,093 |
| Net operating income to assets | 0.9302% | 2,882 |
| Return on assets (ROA) | 0.9302% | 2,941 |
| Pretax return on assets | 0.9177% | 3,978 |
| Return on Equity (ROE) | 10.8802% | 1,749 |
| Retained earnings to average equity (ytd only) | -6.6841% | 5,576 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4493% | 1,822 |
| Assets per employee ($millions) | 3.1076% | 5,165 |
| Cash dividends to net income (ytd only)* | 161.4334% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 658 |
| Loan loss allowance to noncurrent loans | 238.2353% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 3,281 |
| Noncurrent loans to loans | 0.8109% | 2,339 |
| Net loans and leases to total assets | 52.9283% | 4,500 |
| Net loans and leases to deposits | 58.1407% | 4,746 |
| Net loans and leases to core deposits | 58.7869% | 4,880 |
| Total domestic deposits to total assets | 91.0349% | 177 |
| Equity capital to assets | 8.5468% | 5,259 |
| Core capital (leverage) ratio | 8.5087% | 5,242 |
| Tier 1 risk-based capital ratio | 17.9305% | 1,872 |
| Total risk-based capital ratio | 19.1876% | 1,823 |
| Memoranda: | ||
| Average total assets | $31,963,250 | 5,525 |
| Average earning assets | $30,950,000 | 5,487 |
| Average equity | $2,732,750 | 5,611 |
| Average total loans | $16,368,500 | 5,472 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4568% | 4,858 |
| Cost of funding earning assets | 0.1534% | 5,322 |
| Net interest margin | 3.3034% | 4,096 |
| Noninterest income to average assets | 0.5456% | 2,741 |
| Noninterest expense to average assets | 2.7837% | 2,816 |
| Loan and lease loss provision to assets | 0.0744% | 2,482 |
| Net operating income to assets | 0.9176% | 2,817 |
| Return on assets (ROA) | 0.9176% | 2,869 |
| Pretax return on assets | 0.8928% | 3,957 |
| Return on Equity (ROE) | 10.7311% | 1,744 |
| Retained earnings to average equity (ytd only) | 1.3051% | 4,729 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2149% | 1,967 |
| Assets per employee ($millions) | 4.0143% | 3,933 |
| Cash dividends to net income (ytd only)* | 87.8378% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 637 |
| Loan loss allowance to noncurrent loans | 308.5714% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,814 |
| Noncurrent loans to loans | 0.6390% | 2,816 |
| Net loans and leases to total assets | 50.1588% | 4,700 |
| Net loans and leases to deposits | 55.1890% | 4,897 |
| Net loans and leases to core deposits | 55.7814% | 5,001 |
| Total domestic deposits to total assets | 90.8856% | 250 |
| Equity capital to assets | 8.7594% | 5,094 |
| Core capital (leverage) ratio | 8.7711% | 4,981 |
| Tier 1 risk-based capital ratio | 19.2624% | 1,529 |
| Total risk-based capital ratio | 20.5237% | 1,475 |
| Memoranda: | ||
| Average total assets | $32,259,000 | 5,570 |
| Average earning assets | $31,300,670 | 5,529 |
| Average equity | $2,758,330 | 5,658 |
| Average total loans | $16,234,000 | 5,522 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 4,854 |
| Cost of funding earning assets | 0.1535% | 5,351 |
| Net interest margin | 3.2868% | 4,060 |
| Noninterest income to average assets | 0.5196% | 2,839 |
| Noninterest expense to average assets | 2.7713% | 2,887 |
| Loan and lease loss provision to assets | 0.0742% | 2,320 |
| Net operating income to assets | 0.9155% | 2,682 |
| Return on assets (ROA) | 0.9155% | 2,735 |
| Pretax return on assets | 0.8537% | 3,924 |
| Return on Equity (ROE) | 10.8385% | 1,623 |
| Retained earnings to average equity (ytd only) | -8.2021% | 5,530 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9164% | 2,080 |
| Assets per employee ($millions) | 3.5689% | 4,685 |
| Cash dividends to net income (ytd only)* | 175.6757% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 675 |
| Loan loss allowance to noncurrent loans | 294.4444% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 3,850 |
| Noncurrent loans to loans | 0.6778% | 2,818 |
| Net loans and leases to total assets | 48.6146% | 4,777 |
| Net loans and leases to deposits | 53.2881% | 4,978 |
| Net loans and leases to core deposits | 53.8578% | 5,068 |
| Total domestic deposits to total assets | 91.2298% | 234 |
| Equity capital to assets | 8.4589% | 5,268 |
| Core capital (leverage) ratio | 8.4471% | 5,265 |
| Tier 1 risk-based capital ratio | 19.2135% | 1,557 |
| Total risk-based capital ratio | 20.4775% | 1,522 |
| Memoranda: | ||
| Average total assets | $32,331,500 | 5,635 |
| Average earning assets | $31,277,000 | 5,592 |
| Average equity | $2,731,000 | 5,721 |
| Average total loans | $16,135,000 | 5,587 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 4,846 |
| Cost of funding earning assets | 0.1632% | 5,333 |
| Net interest margin | 3.3050% | 4,131 |
| Noninterest income to average assets | 0.5198% | 3,100 |
| Noninterest expense to average assets | 2.6999% | 3,339 |
| Loan and lease loss provision to assets | 0.0713% | 2,935 |
| Net operating income to assets | 0.9415% | 2,624 |
| Return on assets (ROA) | 0.9415% | 2,735 |
| Pretax return on assets | 0.9356% | 3,709 |
| Return on Equity (ROE) | 11.0630% | 1,558 |
| Retained earnings to average equity (ytd only) | -3.5248% | 5,613 |
| Net charge-offs to loans | 0.0235% | 3,578 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 84.7500% | 683 |
| Efficiency ratio | 72.8365% | 2,448 |
| Assets per employee ($millions) | 3.6159% | 4,586 |
| Cash dividends to net income (ytd only)* | 131.8612% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 791 |
| Loan loss allowance to noncurrent loans | 281.0811% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 3,917 |
| Noncurrent loans to loans | 0.6794% | 2,832 |
| Net loans and leases to total assets | 49.2425% | 4,813 |
| Net loans and leases to deposits | 56.6194% | 4,878 |
| Net loans and leases to core deposits | 57.2424% | 5,006 |
| Total domestic deposits to total assets | 86.9711% | 2,160 |
| Equity capital to assets | 8.4350% | 5,320 |
| Core capital (leverage) ratio | 8.4129% | 5,353 |
| Tier 1 risk-based capital ratio | 19.1233% | 1,563 |
| Total risk-based capital ratio | 20.3836% | 1,526 |
| Memoranda: | ||
| Average total assets | $33,668,200 | 5,658 |
| Average earning assets | $32,465,600 | 5,618 |
| Average equity | $2,865,400 | 5,769 |
| Average total loans | $17,052,000 | 5,612 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4563% | 4,913 |
| Cost of funding earning assets | 0.1669% | 5,372 |
| Net interest margin | 3.2894% | 4,221 |
| Noninterest income to average assets | 0.5106% | 3,181 |
| Noninterest expense to average assets | 2.6313% | 3,562 |
| Loan and lease loss provision to assets | 0.0707% | 2,804 |
| Net operating income to assets | 0.9897% | 2,483 |
| Return on assets (ROA) | 0.9897% | 2,622 |
| Pretax return on assets | 0.9818% | 3,700 |
| Return on Equity (ROE) | 11.6039% | 1,456 |
| Retained earnings to average equity (ytd only) | -7.6439% | 5,808 |
| Net charge-offs to loans | 0.0309% | 3,036 |
| Credit loss provision to net charge-offs | 450.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 67.0394% | 885 |
| Efficiency ratio | 71.4286% | 2,663 |
| Assets per employee ($millions) | 3.6001% | 4,644 |
| Cash dividends to net income (ytd only)* | 165.8740% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 1,067 |
| Loan loss allowance to noncurrent loans | 273.2143% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 3,614 |
| Noncurrent loans to loans | 0.6482% | 3,077 |
| Net loans and leases to total assets | 52.3842% | 4,626 |
| Net loans and leases to deposits | 57.6391% | 4,898 |
| Net loans and leases to core deposits | 58.8911% | 5,003 |
| Total domestic deposits to total assets | 90.8830% | 214 |
| Equity capital to assets | 8.6880% | 5,407 |
| Core capital (leverage) ratio | 8.1487% | 5,613 |
| Tier 1 risk-based capital ratio | 17.6933% | 2,011 |
| Total risk-based capital ratio | 18.9524% | 1,966 |
| Memoranda: | ||
| Average total assets | $33,949,500 | 5,710 |
| Average earning assets | $32,750,500 | 5,671 |
| Average equity | $2,895,500 | 5,829 |
| Average total loans | $17,230,750 | 5,665 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 5,068 |
| Cost of funding earning assets | 0.1685% | 5,426 |
| Net interest margin | 3.2368% | 4,420 |
| Noninterest income to average assets | 0.4990% | 3,201 |
| Noninterest expense to average assets | 2.5533% | 3,883 |
| Loan and lease loss provision to assets | 0.0696% | 2,749 |
| Net operating income to assets | 1.0155% | 2,321 |
| Return on assets (ROA) | 1.0155% | 2,456 |
| Pretax return on assets | 0.9981% | 3,594 |
| Return on Equity (ROE) | 11.9767% | 1,333 |
| Retained earnings to average equity (ytd only) | -1.8478% | 5,521 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5128% | 2,903 |
| Assets per employee ($millions) | 3.8172% | 4,240 |
| Cash dividends to net income (ytd only)* | 115.4286% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 1,238 |
| Loan loss allowance to noncurrent loans | 295.1456% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 4,301 |
| Noncurrent loans to loans | 0.5823% | 3,320 |
| Net loans and leases to total assets | 50.6011% | 4,803 |
| Net loans and leases to deposits | 55.6324% | 5,041 |
| Net loans and leases to core deposits | 59.4955% | 5,001 |
| Total domestic deposits to total assets | 90.9562% | 197 |
| Equity capital to assets | 8.6945% | 5,487 |
| Core capital (leverage) ratio | 8.3377% | 5,501 |
| Tier 1 risk-based capital ratio | 18.0155% | 1,930 |
| Total risk-based capital ratio | 19.2731% | 1,892 |
| Memoranda: | ||
| Average total assets | $34,465,670 | 5,771 |
| Average earning assets | $33,242,670 | 5,728 |
| Average equity | $2,922,330 | 5,901 |
| Average total loans | $17,214,670 | 5,729 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4012% | 5,127 |
| Cost of funding earning assets | 0.1689% | 5,476 |
| Net interest margin | 3.2323% | 4,464 |
| Noninterest income to average assets | 0.4635% | 3,393 |
| Noninterest expense to average assets | 2.4565% | 4,205 |
| Loan and lease loss provision to assets | 0.0695% | 2,559 |
| Net operating income to assets | 1.1008% | 1,896 |
| Return on assets (ROA) | 1.1008% | 2,000 |
| Pretax return on assets | 1.0428% | 3,312 |
| Return on Equity (ROE) | 13.1488% | 1,002 |
| Retained earnings to average equity (ytd only) | -6.7820% | 5,709 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8312% | 3,321 |
| Assets per employee ($millions) | 3.5024% | 4,803 |
| Cash dividends to net income (ytd only)* | 151.5789% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 1,185 |
| Loan loss allowance to noncurrent loans | 102.7586% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 2,621 |
| Noncurrent loans to loans | 1.7363% | 1,289 |
| Net loans and leases to total assets | 46.8365% | 5,059 |
| Net loans and leases to deposits | 51.2113% | 5,262 |
| Net loans and leases to core deposits | 55.8910% | 5,134 |
| Total domestic deposits to total assets | 91.4573% | 171 |
| Equity capital to assets | 8.2829% | 5,705 |
| Core capital (leverage) ratio | 8.3608% | 5,506 |
| Tier 1 risk-based capital ratio | 18.7533% | 1,789 |
| Total risk-based capital ratio | 20.0132% | 1,754 |
| Memoranda: | ||
| Average total assets | $34,521,000 | 5,830 |
| Average earning assets | $33,165,000 | 5,788 |
| Average equity | $2,890,000 | 5,958 |
| Average total loans | $16,978,000 | 5,789 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3286% | 5,298 |
| Cost of funding earning assets | 0.1834% | 5,416 |
| Net interest margin | 3.1452% | 4,791 |
| Noninterest income to average assets | 0.5130% | 3,238 |
| Noninterest expense to average assets | 2.6317% | 3,809 |
| Loan and lease loss provision to assets | 0.0696% | 2,891 |
| Net operating income to assets | 0.8376% | 3,169 |
| Return on assets (ROA) | 0.8376% | 3,236 |
| Pretax return on assets | 0.8434% | 4,049 |
| Return on Equity (ROE) | 9.6526% | 2,153 |
| Retained earnings to average equity (ytd only) | -2.5050% | 5,785 |
| Net charge-offs to loans | -0.0059% | 5,005 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2437% | 2,543 |
| Assets per employee ($millions) | 3.4018% | 4,974 |
| Cash dividends to net income (ytd only)* | 125.9516% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 1,366 |
| Loan loss allowance to noncurrent loans | 99.3197% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 2,508 |
| Noncurrent loans to loans | 1.7040% | 1,328 |
| Net loans and leases to total assets | 49.8618% | 4,883 |
| Net loans and leases to deposits | 54.9519% | 5,113 |
| Net loans and leases to core deposits | 60.1767% | 4,975 |
| Total domestic deposits to total assets | 90.7373% | 363 |
| Equity capital to assets | 8.4632% | 5,590 |
| Core capital (leverage) ratio | 8.4989% | 5,437 |
| Tier 1 risk-based capital ratio | 17.6600% | 2,069 |
| Total risk-based capital ratio | 18.9118% | 2,021 |
| Memoranda: | ||
| Average total assets | $34,502,200 | 5,879 |
| Average earning assets | $33,257,200 | 5,833 |
| Average equity | $2,994,000 | 6,005 |
| Average total loans | $16,815,200 | 5,836 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 5,437 |
| Cost of funding earning assets | 0.1833% | 5,522 |
| Net interest margin | 3.1002% | 4,969 |
| Noninterest income to average assets | 0.4968% | 3,389 |
| Noninterest expense to average assets | 2.5493% | 4,049 |
| Loan and lease loss provision to assets | 0.0693% | 2,791 |
| Net operating income to assets | 0.8664% | 3,104 |
| Return on assets (ROA) | 0.8664% | 3,189 |
| Pretax return on assets | 0.8742% | 4,073 |
| Return on Equity (ROE) | 9.9244% | 2,134 |
| Retained earnings to average equity (ytd only) | 4.1902% | 3,484 |
| Net charge-offs to loans | -0.0160% | 5,127 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9879% | 2,721 |
| Assets per employee ($millions) | 3.4312% | 4,925 |
| Cash dividends to net income (ytd only)* | 57.7786% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 1,482 |
| Loan loss allowance to noncurrent loans | 96.9595% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 2,721 |
| Noncurrent loans to loans | 1.7477% | 1,362 |
| Net loans and leases to total assets | 48.5253% | 5,045 |
| Net loans and leases to deposits | 55.3874% | 5,165 |
| Net loans and leases to core deposits | 60.1105% | 5,059 |
| Total domestic deposits to total assets | 87.6107% | 1,741 |
| Equity capital to assets | 9.0668% | 5,245 |
| Core capital (leverage) ratio | 8.9376% | 5,071 |
| Tier 1 risk-based capital ratio | 19.0794% | 1,752 |
| Total risk-based capital ratio | 20.3376% | 1,718 |
| Memoranda: | ||
| Average total assets | $34,623,250 | 5,958 |
| Average earning assets | $33,459,500 | 5,902 |
| Average equity | $3,022,750 | 6,085 |
| Average total loans | $16,705,500 | 5,916 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2370% | 5,560 |
| Cost of funding earning assets | 0.1845% | 5,577 |
| Net interest margin | 3.0525% | 5,087 |
| Noninterest income to average assets | 0.4895% | 3,449 |
| Noninterest expense to average assets | 2.6032% | 3,899 |
| Loan and lease loss provision to assets | 0.0691% | 2,730 |
| Net operating income to assets | 0.7660% | 3,554 |
| Return on assets (ROA) | 0.7660% | 3,656 |
| Pretax return on assets | 0.7717% | 4,417 |
| Return on Equity (ROE) | 8.8864% | 2,611 |
| Retained earnings to average equity (ytd only) | 0.2004% | 5,442 |
| Net charge-offs to loans | -0.0241% | 5,232 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5853% | 2,438 |
| Assets per employee ($millions) | 3.4406% | 4,916 |
| Cash dividends to net income (ytd only)* | 97.7444% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,627 |
| Loan loss allowance to noncurrent loans | 37.2032% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 2.2031% | 956 |
| Noncurrent loans to loans | 4.5422% | 296 |
| Net loans and leases to total assets | 47.6835% | 5,135 |
| Net loans and leases to deposits | 53.2351% | 5,302 |
| Net loans and leases to core deposits | 57.0326% | 5,252 |
| Total domestic deposits to total assets | 89.5716% | 860 |
| Equity capital to assets | 8.6264% | 5,581 |
| Core capital (leverage) ratio | 8.4475% | 5,583 |
| Tier 1 risk-based capital ratio | 18.7421% | 1,861 |
| Total risk-based capital ratio | 19.9975% | 1,826 |
| Memoranda: | ||
| Average total assets | $34,727,000 | 6,022 |
| Average earning assets | $33,611,330 | 5,965 |
| Average equity | $2,993,330 | 6,148 |
| Average total loans | $16,628,330 | 5,980 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1381% | 5,741 |
| Cost of funding earning assets | 0.1776% | 5,697 |
| Net interest margin | 2.9605% | 5,314 |
| Noninterest income to average assets | 0.4242% | 3,813 |
| Noninterest expense to average assets | 2.4765% | 4,337 |
| Loan and lease loss provision to assets | 0.0688% | 2,569 |
| Net operating income to assets | 0.7567% | 3,501 |
| Return on assets (ROA) | 0.7567% | 3,637 |
| Pretax return on assets | 0.7453% | 4,447 |
| Return on Equity (ROE) | 8.7824% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.7824% | 1,275 |
| Net charge-offs to loans | 0.0723% | 1,997 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,321 |
| Efficiency ratio | 75.2613% | 2,617 |
| Assets per employee ($millions) | 3.6444% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 1,924 |
| Loan loss allowance to noncurrent loans | 36.2903% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.0689% | 1,130 |
| Noncurrent loans to loans | 4.5162% | 343 |
| Net loans and leases to total assets | 44.4627% | 5,316 |
| Net loans and leases to deposits | 48.6665% | 5,536 |
| Net loans and leases to core deposits | 53.0618% | 5,423 |
| Total domestic deposits to total assets | 91.3621% | 261 |
| Equity capital to assets | 8.4266% | 5,786 |
| Core capital (leverage) ratio | 8.4939% | 5,523 |
| Tier 1 risk-based capital ratio | 19.8703% | 1,660 |
| Total risk-based capital ratio | 21.1216% | 1,617 |
| Memoranda: | ||
| Average total assets | $34,887,500 | 6,078 |
| Average earning assets | $33,778,500 | 6,017 |
| Average equity | $3,006,000 | 6,208 |
| Average total loans | $16,598,500 | 6,033 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 5,597 |
| Cost of funding earning assets | 0.2029% | 5,713 |
| Net interest margin | 3.1601% | 5,044 |
| Noninterest income to average assets | 0.5212% | 3,352 |
| Noninterest expense to average assets | 2.5614% | 4,353 |
| Loan and lease loss provision to assets | 0.0711% | 3,068 |
| Net operating income to assets | 0.9298% | 2,728 |
| Return on assets (ROA) | 0.9298% | 2,817 |
| Pretax return on assets | 0.9328% | 3,769 |
| Return on Equity (ROE) | 10.9149% | 1,746 |
| Retained earnings to average equity (ytd only) | 5.4227% | 2,315 |
| Net charge-offs to loans | 0.0736% | 3,438 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,401 |
| Efficiency ratio | 71.8439% | 3,233 |
| Assets per employee ($millions) | 4.1664% | 3,603 |
| Cash dividends to net income (ytd only)* | 50.3185% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 2,106 |
| Loan loss allowance to noncurrent loans | 40.3933% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 2.0131% | 1,264 |
| Noncurrent loans to loans | 3.9526% | 475 |
| Net loans and leases to total assets | 49.3715% | 5,030 |
| Net loans and leases to deposits | 54.2476% | 5,316 |
| Net loans and leases to core deposits | 59.6664% | 5,165 |
| Total domestic deposits to total assets | 91.0114% | 360 |
| Equity capital to assets | 8.8236% | 5,462 |
| Core capital (leverage) ratio | 8.6541% | 5,389 |
| Tier 1 risk-based capital ratio | 19.6115% | 1,677 |
| Total risk-based capital ratio | 20.8669% | 1,642 |
| Memoranda: | ||
| Average total assets | $33,770,000 | 6,177 |
| Average earning assets | $32,530,800 | 6,130 |
| Average equity | $2,876,800 | 6,294 |
| Average total loans | $16,301,600 | 6,115 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 5,777 |
| Cost of funding earning assets | 0.2043% | 5,784 |
| Net interest margin | 3.0933% | 5,279 |
| Noninterest income to average assets | 0.5037% | 3,524 |
| Noninterest expense to average assets | 2.5383% | 4,401 |
| Loan and lease loss provision to assets | 0.0708% | 2,930 |
| Net operating income to assets | 0.8736% | 3,056 |
| Return on assets (ROA) | 0.8736% | 3,148 |
| Pretax return on assets | 0.8736% | 4,098 |
| Return on Equity (ROE) | 10.3466% | 2,055 |
| Retained earnings to average equity (ytd only) | 8.4824% | 1,155 |
| Net charge-offs to loans | 0.0165% | 4,210 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 119.8464% | 495 |
| Efficiency ratio | 72.8814% | 3,025 |
| Assets per employee ($millions) | 3.7171% | 4,459 |
| Cash dividends to net income (ytd only)* | 18.0175% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 2,183 |
| Loan loss allowance to noncurrent loans | 39.5044% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 1,385 |
| Noncurrent loans to loans | 4.1373% | 496 |
| Net loans and leases to total assets | 48.7535% | 5,128 |
| Net loans and leases to deposits | 53.6796% | 5,415 |
| Net loans and leases to core deposits | 59.0279% | 5,263 |
| Total domestic deposits to total assets | 90.8232% | 413 |
| Equity capital to assets | 8.8629% | 5,499 |
| Core capital (leverage) ratio | 8.8562% | 5,257 |
| Tier 1 risk-based capital ratio | 19.8541% | 1,708 |
| Total risk-based capital ratio | 21.1074% | 1,676 |
| Memoranda: | ||
| Average total assets | $33,879,750 | 6,254 |
| Average earning assets | $32,629,000 | 6,202 |
| Average equity | $2,860,750 | 6,368 |
| Average total loans | $16,196,250 | 6,182 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 5,827 |
| Cost of funding earning assets | 0.2021% | 5,892 |
| Net interest margin | 3.0800% | 5,315 |
| Noninterest income to average assets | 0.5114% | 3,395 |
| Noninterest expense to average assets | 2.4867% | 4,622 |
| Loan and lease loss provision to assets | 0.0705% | 2,863 |
| Net operating income to assets | 0.9112% | 2,746 |
| Return on assets (ROA) | 0.9112% | 2,850 |
| Pretax return on assets | 0.9112% | 3,839 |
| Return on Equity (ROE) | 10.9696% | 1,753 |
| Retained earnings to average equity (ytd only) | 8.1387% | 1,277 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6949% | 3,396 |
| Assets per employee ($millions) | 3.7751% | 4,304 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 2,302 |
| Loan loss allowance to noncurrent loans | 52.1484% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.5069% | 2,162 |
| Noncurrent loans to loans | 3.1570% | 899 |
| Net loans and leases to total assets | 46.9478% | 5,275 |
| Net loans and leases to deposits | 52.7847% | 5,441 |
| Net loans and leases to core deposits | 56.8967% | 5,356 |
| Total domestic deposits to total assets | 88.9422% | 1,388 |
| Equity capital to assets | 8.5531% | 5,756 |
| Core capital (leverage) ratio | 8.4835% | 5,647 |
| Tier 1 risk-based capital ratio | 19.3433% | 1,843 |
| Total risk-based capital ratio | 20.5985% | 1,803 |
| Memoranda: | ||
| Average total assets | $34,021,670 | 6,309 |
| Average earning assets | $32,662,000 | 6,256 |
| Average equity | $2,826,000 | 6,427 |
| Average total loans | $16,068,000 | 6,238 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2542% | 5,929 |
| Cost of funding earning assets | 0.1957% | 6,036 |
| Net interest margin | 3.0585% | 5,367 |
| Noninterest income to average assets | 0.4582% | 3,725 |
| Noninterest expense to average assets | 2.5614% | 4,409 |
| Loan and lease loss provision to assets | 0.0705% | 2,723 |
| Net operating income to assets | 0.7755% | 3,275 |
| Return on assets (ROA) | 0.7755% | 3,357 |
| Pretax return on assets | 0.7637% | 4,259 |
| Return on Equity (ROE) | 9.4760% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.4760% | 1,117 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4325% | 2,884 |
| Assets per employee ($millions) | 3.9657% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 2,615 |
| Loan loss allowance to noncurrent loans | 101.1628% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 3,871 |
| Noncurrent loans to loans | 1.6012% | 2,417 |
| Net loans and leases to total assets | 44.4146% | 5,470 |
| Net loans and leases to deposits | 48.2983% | 5,712 |
| Net loans and leases to core deposits | 51.7397% | 5,637 |
| Total domestic deposits to total assets | 91.9588% | 249 |
| Equity capital to assets | 7.8843% | 6,131 |
| Core capital (leverage) ratio | 8.2450% | 5,895 |
| Tier 1 risk-based capital ratio | 19.0624% | 1,947 |
| Total risk-based capital ratio | 20.3205% | 1,909 |
| Memoranda: | ||
| Average total assets | $34,044,500 | 6,373 |
| Average earning assets | $32,696,000 | 6,324 |
| Average equity | $2,786,000 | 6,492 |
| Average total loans | $15,993,000 | 6,306 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 5,387 |
| Cost of funding earning assets | 0.2779% | 5,776 |
| Net interest margin | 3.3285% | 4,562 |
| Noninterest income to average assets | 0.5477% | 3,419 |
| Noninterest expense to average assets | 2.6215% | 4,387 |
| Loan and lease loss provision to assets | 0.0738% | 3,636 |
| Net operating income to assets | 1.0861% | 1,975 |
| Return on assets (ROA) | 1.0830% | 2,064 |
| Pretax return on assets | 1.0554% | 3,134 |
| Return on Equity (ROE) | 12.8186% | 1,203 |
| Retained earnings to average equity (ytd only) | 6.5186% | 1,673 |
| Net charge-offs to loans | 0.0932% | 3,916 |
| Credit loss provision to net charge-offs | 160.0000% | 1,430 |
| Earnings coverage of net charge-offs (x) | 24.5333% | 1,362 |
| Efficiency ratio | 69.8361% | 3,861 |
| Assets per employee ($millions) | 3.5998% | 4,681 |
| Cash dividends to net income (ytd only)* | 49.1477% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 2,737 |
| Loan loss allowance to noncurrent loans | 158.3851% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 4,661 |
| Noncurrent loans to loans | 1.0143% | 3,482 |
| Net loans and leases to total assets | 48.2067% | 5,276 |
| Net loans and leases to deposits | 52.7992% | 5,563 |
| Net loans and leases to core deposits | 57.0042% | 5,459 |
| Total domestic deposits to total assets | 91.3019% | 468 |
| Equity capital to assets | 8.5129% | 5,566 |
| Core capital (leverage) ratio | 8.6726% | 5,443 |
| Tier 1 risk-based capital ratio | 19.5726% | 1,761 |
| Total risk-based capital ratio | 20.8325% | 1,725 |
| Memoranda: | ||
| Average total assets | $32,501,000 | 6,473 |
| Average earning assets | $31,305,800 | 6,413 |
| Average equity | $2,746,000 | 6,580 |
| Average total loans | $16,100,400 | 6,371 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 5,283 |
| Cost of funding earning assets | 0.2932% | 5,787 |
| Net interest margin | 3.3653% | 4,413 |
| Noninterest income to average assets | 0.5411% | 3,515 |
| Noninterest expense to average assets | 2.5988% | 4,391 |
| Loan and lease loss provision to assets | 0.0738% | 3,580 |
| Net operating income to assets | 1.1519% | 1,803 |
| Return on assets (ROA) | 1.1519% | 1,880 |
| Pretax return on assets | 1.1150% | 3,047 |
| Return on Equity (ROE) | 13.6588% | 1,083 |
| Retained earnings to average equity (ytd only) | 10.4991% | 683 |
| Net charge-offs to loans | 0.1320% | 3,219 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 18.1275% | 1,702 |
| Efficiency ratio | 68.6147% | 3,974 |
| Assets per employee ($millions) | 3.2207% | 5,454 |
| Cash dividends to net income (ytd only)* | 23.1303% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,276 |
| Loan loss allowance to noncurrent loans | 243.1373% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,459 |
| Noncurrent loans to loans | 0.6335% | 4,613 |
| Net loans and leases to total assets | 49.2253% | 5,221 |
| Net loans and leases to deposits | 54.2258% | 5,518 |
| Net loans and leases to core deposits | 59.1435% | 5,361 |
| Total domestic deposits to total assets | 90.7784% | 623 |
| Equity capital to assets | 8.7310% | 5,483 |
| Core capital (leverage) ratio | 8.8376% | 5,351 |
| Tier 1 risk-based capital ratio | 19.6441% | 1,829 |
| Total risk-based capital ratio | 20.8994% | 1,788 |
| Memoranda: | ||
| Average total assets | $32,526,750 | 6,549 |
| Average earning assets | $31,378,250 | 6,485 |
| Average equity | $2,743,000 | 6,657 |
| Average total loans | $16,157,250 | 6,429 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7376% | 5,030 |
| Cost of funding earning assets | 0.3242% | 5,624 |
| Net interest margin | 3.4135% | 4,143 |
| Noninterest income to average assets | 0.5516% | 3,488 |
| Noninterest expense to average assets | 2.6047% | 4,364 |
| Loan and lease loss provision to assets | 0.0735% | 3,570 |
| Net operating income to assets | 1.2257% | 1,524 |
| Return on assets (ROA) | 1.2257% | 1,630 |
| Pretax return on assets | 1.1645% | 2,825 |
| Return on Equity (ROE) | 14.7059% | 867 |
| Retained earnings to average equity (ytd only) | 9.9265% | 861 |
| Net charge-offs to loans | 0.1484% | 2,918 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,637 |
| Efficiency ratio | 67.7831% | 4,222 |
| Assets per employee ($millions) | 3.2116% | 5,455 |
| Cash dividends to net income (ytd only)* | 32.5000% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 3,309 |
| Loan loss allowance to noncurrent loans | 297.5904% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 5,612 |
| Noncurrent loans to loans | 0.5245% | 4,950 |
| Net loans and leases to total assets | 48.5023% | 5,284 |
| Net loans and leases to deposits | 53.1149% | 5,598 |
| Net loans and leases to core deposits | 57.2452% | 5,503 |
| Total domestic deposits to total assets | 91.3159% | 438 |
| Equity capital to assets | 8.3759% | 5,890 |
| Core capital (leverage) ratio | 8.4478% | 5,726 |
| Tier 1 risk-based capital ratio | 19.5065% | 1,854 |
| Total risk-based capital ratio | 20.7614% | 1,828 |
| Memoranda: | ||
| Average total assets | $32,633,330 | 6,587 |
| Average earning assets | $31,463,670 | 6,529 |
| Average equity | $2,720,000 | 6,711 |
| Average total loans | $16,175,670 | 6,465 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,489 |
| Cost of funding earning assets | 0.3288% | 5,728 |
| Net interest margin | 3.5661% | 3,401 |
| Noninterest income to average assets | 0.5594% | 3,372 |
| Noninterest expense to average assets | 2.7849% | 3,748 |
| Loan and lease loss provision to assets | 0.0730% | 3,412 |
| Net operating income to assets | 1.2647% | 1,363 |
| Return on assets (ROA) | 1.2647% | 1,466 |
| Pretax return on assets | 1.1310% | 2,846 |
| Return on Equity (ROE) | 15.2102% | 719 |
| Retained earnings to average equity (ytd only) | 15.2102% | 336 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8171% | 4,007 |
| Assets per employee ($millions) | 3.3773% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,548 |
| Loan loss allowance to noncurrent loans | 238.6792% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 5,639 |
| Noncurrent loans to loans | 0.6557% | 4,809 |
| Net loans and leases to total assets | 47.1175% | 5,321 |
| Net loans and leases to deposits | 51.4401% | 5,671 |
| Net loans and leases to core deposits | 52.3024% | 5,799 |
| Total domestic deposits to total assets | 91.5968% | 328 |
| Equity capital to assets | 8.2403% | 6,224 |
| Core capital (leverage) ratio | 8.1826% | 5,948 |
| Tier 1 risk-based capital ratio | 18.7402% | 2,113 |
| Total risk-based capital ratio | 19.9932% | 2,091 |
| Memoranda: | ||
| Average total assets | $32,892,000 | 6,647 |
| Average earning assets | $31,631,000 | 6,583 |
| Average equity | $2,735,000 | 6,777 |
| Average total loans | $16,351,500 | 6,518 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 5,537 |
| Cost of funding earning assets | 0.4739% | 5,391 |
| Net interest margin | 3.4389% | 4,749 |
| Noninterest income to average assets | 0.5849% | 3,365 |
| Noninterest expense to average assets | 2.6287% | 4,648 |
| Loan and lease loss provision to assets | 0.0780% | 4,735 |
| Net operating income to assets | 1.1665% | 1,708 |
| Return on assets (ROA) | 1.1665% | 1,868 |
| Pretax return on assets | 1.1795% | 2,870 |
| Return on Equity (ROE) | 13.7537% | 1,046 |
| Retained earnings to average equity (ytd only) | 7.1259% | 1,510 |
| Net charge-offs to loans | 0.0181% | 5,661 |
| Credit loss provision to net charge-offs | 800.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 314 |
| Efficiency ratio | 67.6421% | 4,209 |
| Assets per employee ($millions) | 3.2011% | 5,620 |
| Cash dividends to net income (ytd only)* | 48.1894% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 3,798 |
| Loan loss allowance to noncurrent loans | 40.2619% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.9087% | 2,558 |
| Noncurrent loans to loans | 3.6947% | 1,313 |
| Net loans and leases to total assets | 50.8919% | 5,052 |
| Net loans and leases to deposits | 55.6577% | 5,481 |
| Net loans and leases to core deposits | 57.3627% | 5,602 |
| Total domestic deposits to total assets | 91.4373% | 354 |
| Equity capital to assets | 8.3940% | 6,125 |
| Core capital (leverage) ratio | 8.5541% | 5,534 |
| Tier 1 risk-based capital ratio | 18.1217% | 2,218 |
| Total risk-based capital ratio | 19.3748% | 2,186 |
| Memoranda: | ||
| Average total assets | $30,775,800 | 6,738 |
| Average earning assets | $29,544,400 | 6,678 |
| Average equity | $2,610,200 | 6,861 |
| Average total loans | $16,556,200 | 6,571 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 5,613 |
| Cost of funding earning assets | 0.5003% | 5,434 |
| Net interest margin | 3.4660% | 4,778 |
| Noninterest income to average assets | 0.5864% | 3,372 |
| Noninterest expense to average assets | 2.6170% | 4,686 |
| Loan and lease loss provision to assets | 0.0788% | 4,651 |
| Net operating income to assets | 1.2122% | 1,692 |
| Return on assets (ROA) | 1.2122% | 1,872 |
| Pretax return on assets | 1.2253% | 2,889 |
| Return on Equity (ROE) | 14.2540% | 1,055 |
| Retained earnings to average equity (ytd only) | 5.3516% | 3,127 |
| Net charge-offs to loans | 0.0242% | 5,329 |
| Credit loss provision to net charge-offs | 600.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 99.3300% | 426 |
| Efficiency ratio | 66.7411% | 4,298 |
| Assets per employee ($millions) | 3.0185% | 6,021 |
| Cash dividends to net income (ytd only)* | 62.4553% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 4,030 |
| Loan loss allowance to noncurrent loans | 38.7460% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 2.0606% | 2,575 |
| Noncurrent loans to loans | 3.8216% | 1,380 |
| Net loans and leases to total assets | 53.1224% | 4,891 |
| Net loans and leases to deposits | 58.3791% | 5,388 |
| Net loans and leases to core deposits | 60.2888% | 5,527 |
| Total domestic deposits to total assets | 90.9955% | 412 |
| Equity capital to assets | 8.6897% | 6,114 |
| Core capital (leverage) ratio | 8.4370% | 5,843 |
| Tier 1 risk-based capital ratio | 18.2475% | 2,252 |
| Total risk-based capital ratio | 19.5064% | 2,229 |
| Memoranda: | ||
| Average total assets | $30,467,000 | 6,829 |
| Average earning assets | $29,312,750 | 6,771 |
| Average equity | $2,591,000 | 6,952 |
| Average total loans | $16,561,000 | 6,656 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 5,770 |
| Cost of funding earning assets | 0.5173% | 5,502 |
| Net interest margin | 3.4376% | 4,935 |
| Noninterest income to average assets | 0.5824% | 3,366 |
| Noninterest expense to average assets | 2.6243% | 4,698 |
| Loan and lease loss provision to assets | 0.0785% | 4,627 |
| Net operating income to assets | 1.1845% | 1,767 |
| Return on assets (ROA) | 1.1845% | 1,966 |
| Pretax return on assets | 1.1845% | 3,000 |
| Return on Equity (ROE) | 14.0292% | 1,112 |
| Retained earnings to average equity (ytd only) | 5.6582% | 2,901 |
| Net charge-offs to loans | 0.0600% | 4,582 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 38.6000% | 899 |
| Efficiency ratio | 67.5084% | 4,233 |
| Assets per employee ($millions) | 2.7617% | 6,460 |
| Cash dividends to net income (ytd only)* | 59.6685% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 4,445 |
| Loan loss allowance to noncurrent loans | 37.0429% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 2.0705% | 2,699 |
| Noncurrent loans to loans | 3.7930% | 1,478 |
| Net loans and leases to total assets | 53.8201% | 4,835 |
| Net loans and leases to deposits | 59.0167% | 5,338 |
| Net loans and leases to core deposits | 61.6400% | 5,426 |
| Total domestic deposits to total assets | 91.1946% | 386 |
| Equity capital to assets | 8.5289% | 6,180 |
| Core capital (leverage) ratio | 8.2764% | 5,952 |
| Tier 1 risk-based capital ratio | 17.8445% | 2,344 |
| Total risk-based capital ratio | 19.0979% | 2,310 |
| Memoranda: | ||
| Average total assets | $30,561,000 | 6,878 |
| Average earning assets | $29,381,330 | 6,816 |
| Average equity | $2,580,330 | 6,997 |
| Average total loans | $16,656,000 | 6,706 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 5,742 |
| Cost of funding earning assets | 0.5430% | 5,543 |
| Net interest margin | 3.4619% | 4,866 |
| Noninterest income to average assets | 0.6003% | 3,232 |
| Noninterest expense to average assets | 2.5577% | 4,968 |
| Loan and lease loss provision to assets | 0.0783% | 4,421 |
| Net operating income to assets | 1.3180% | 1,410 |
| Return on assets (ROA) | 1.3180% | 1,579 |
| Pretax return on assets | 1.2919% | 2,566 |
| Return on Equity (ROE) | 15.6893% | 852 |
| Retained earnings to average equity (ytd only) | 15.6893% | 390 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 4,715 |
| Assets per employee ($millions) | 3.1910% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 4,515 |
| Loan loss allowance to noncurrent loans | 36.7670% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 1.9774% | 2,931 |
| Noncurrent loans to loans | 3.8648% | 1,599 |
| Net loans and leases to total assets | 50.4387% | 5,245 |
| Net loans and leases to deposits | 55.0727% | 5,700 |
| Net loans and leases to core deposits | 57.3879% | 5,769 |
| Total domestic deposits to total assets | 91.5857% | 353 |
| Equity capital to assets | 8.2012% | 6,355 |
| Core capital (leverage) ratio | 8.1601% | 6,081 |
| Tier 1 risk-based capital ratio | 18.3547% | 2,185 |
| Total risk-based capital ratio | 19.6081% | 2,154 |
| Memoranda: | ||
| Average total assets | $30,652,000 | 6,929 |
| Average earning assets | $29,463,500 | 6,867 |
| Average equity | $2,575,000 | 7,051 |
| Average total loans | $16,692,500 | 6,761 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 4,324 |
| Cost of funding earning assets | 0.7293% | 5,342 |
| Net interest margin | 3.9531% | 3,089 |
| Noninterest income to average assets | 0.6907% | 2,658 |
| Noninterest expense to average assets | 2.9847% | 3,645 |
| Loan and lease loss provision to assets | 0.0859% | 5,526 |
| Net operating income to assets | 1.3814% | 1,058 |
| Return on assets (ROA) | 1.3814% | 1,151 |
| Pretax return on assets | 1.4029% | 1,781 |
| Return on Equity (ROE) | 15.9412% | 614 |
| Retained earnings to average equity (ytd only) | 8.5075% | 918 |
| Net charge-offs to loans | 0.0242% | 6,099 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 300 |
| Efficiency ratio | 66.7200% | 4,619 |
| Assets per employee ($millions) | 3.2660% | 5,589 |
| Cash dividends to net income (ytd only)* | 46.6321% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,786 |
| Loan loss allowance to noncurrent loans | 158.0420% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 5,753 |
| Noncurrent loans to loans | 0.8383% | 5,011 |
| Net loans and leases to total assets | 57.2634% | 4,503 |
| Net loans and leases to deposits | 62.8411% | 5,139 |
| Net loans and leases to core deposits | 65.7243% | 5,283 |
| Total domestic deposits to total assets | 91.1240% | 454 |
| Equity capital to assets | 8.6174% | 5,995 |
| Core capital (leverage) ratio | 8.2795% | 5,883 |
| Tier 1 risk-based capital ratio | 16.0722% | 3,005 |
| Total risk-based capital ratio | 17.2677% | 2,996 |
| Memoranda: | ||
| Average total assets | $27,942,400 | 7,026 |
| Average earning assets | $26,738,600 | 6,965 |
| Average equity | $2,421,400 | 7,137 |
| Average total loans | $16,528,200 | 6,822 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 4,375 |
| Cost of funding earning assets | 0.7583% | 5,415 |
| Net interest margin | 3.9582% | 3,114 |
| Noninterest income to average assets | 0.7058% | 2,573 |
| Noninterest expense to average assets | 2.9780% | 3,641 |
| Loan and lease loss provision to assets | 0.0870% | 5,357 |
| Net operating income to assets | 1.4068% | 1,133 |
| Return on assets (ROA) | 1.4068% | 1,214 |
| Pretax return on assets | 1.4261% | 1,862 |
| Return on Equity (ROE) | 16.2102% | 653 |
| Retained earnings to average equity (ytd only) | 6.1834% | 2,436 |
| Net charge-offs to loans | 0.0325% | 5,693 |
| Credit loss provision to net charge-offs | 450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 78.2964% | 447 |
| Efficiency ratio | 66.3079% | 4,665 |
| Assets per employee ($millions) | 2.5342% | 6,848 |
| Cash dividends to net income (ytd only)* | 61.8547% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,921 |
| Loan loss allowance to noncurrent loans | 198.1982% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 6,085 |
| Noncurrent loans to loans | 0.6659% | 5,556 |
| Net loans and leases to total assets | 59.0042% | 4,318 |
| Net loans and leases to deposits | 64.9785% | 5,052 |
| Net loans and leases to core deposits | 68.1415% | 5,162 |
| Total domestic deposits to total assets | 90.8057% | 510 |
| Equity capital to assets | 8.8176% | 5,961 |
| Core capital (leverage) ratio | 8.3937% | 5,865 |
| Tier 1 risk-based capital ratio | 16.2317% | 3,002 |
| Total risk-based capital ratio | 17.4606% | 2,973 |
| Memoranda: | ||
| Average total assets | $27,579,500 | 7,106 |
| Average earning assets | $26,375,000 | 7,047 |
| Average equity | $2,393,500 | 7,213 |
| Average total loans | $16,395,750 | 6,897 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 4,400 |
| Cost of funding earning assets | 0.7844% | 5,482 |
| Net interest margin | 3.9451% | 3,106 |
| Noninterest income to average assets | 0.7132% | 2,474 |
| Noninterest expense to average assets | 2.9111% | 3,982 |
| Loan and lease loss provision to assets | 0.0873% | 5,220 |
| Net operating income to assets | 1.4701% | 943 |
| Return on assets (ROA) | 1.4701% | 1,004 |
| Pretax return on assets | 1.4847% | 1,576 |
| Return on Equity (ROE) | 17.0320% | 551 |
| Retained earnings to average equity (ytd only) | 9.7808% | 901 |
| Net charge-offs to loans | 0.0491% | 5,167 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 588 |
| Efficiency ratio | 64.9351% | 5,074 |
| Assets per employee ($millions) | 2.7393% | 6,584 |
| Cash dividends to net income (ytd only)* | 42.5743% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 5,102 |
| Loan loss allowance to noncurrent loans | 184.4828% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 5,667 |
| Noncurrent loans to loans | 0.6998% | 5,508 |
| Net loans and leases to total assets | 59.7306% | 4,325 |
| Net loans and leases to deposits | 65.8139% | 5,026 |
| Net loans and leases to core deposits | 68.9071% | 5,198 |
| Total domestic deposits to total assets | 90.7568% | 605 |
| Equity capital to assets | 8.9147% | 5,694 |
| Core capital (leverage) ratio | 8.3849% | 5,730 |
| Tier 1 risk-based capital ratio | 16.3374% | 2,814 |
| Total risk-based capital ratio | 17.5920% | 2,781 |
| Memoranda: | ||
| Average total assets | $27,480,670 | 7,174 |
| Average earning assets | $26,260,670 | 7,117 |
| Average equity | $2,372,000 | 7,275 |
| Average total loans | $16,305,000 | 6,965 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 4,313 |
| Cost of funding earning assets | 0.7907% | 5,613 |
| Net interest margin | 3.9535% | 2,901 |
| Noninterest income to average assets | 0.6976% | 2,591 |
| Noninterest expense to average assets | 2.8338% | 4,318 |
| Loan and lease loss provision to assets | 0.0872% | 4,918 |
| Net operating income to assets | 1.5695% | 739 |
| Return on assets (ROA) | 1.5695% | 782 |
| Pretax return on assets | 1.5550% | 1,287 |
| Return on Equity (ROE) | 18.4852% | 439 |
| Retained earnings to average equity (ytd only) | 18.4852% | 219 |
| Net charge-offs to loans | -0.0247% | 6,638 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3117% | 5,471 |
| Assets per employee ($millions) | 3.1427% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 5,112 |
| Loan loss allowance to noncurrent loans | 273.0769% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 6,041 |
| Noncurrent loans to loans | 0.4772% | 6,063 |
| Net loans and leases to total assets | 57.0322% | 4,795 |
| Net loans and leases to deposits | 62.4676% | 5,445 |
| Net loans and leases to core deposits | 65.2892% | 5,587 |
| Total domestic deposits to total assets | 91.2990% | 488 |
| Equity capital to assets | 8.4394% | 6,003 |
| Core capital (leverage) ratio | 8.3779% | 5,669 |
| Tier 1 risk-based capital ratio | 16.3397% | 2,732 |
| Total risk-based capital ratio | 17.5918% | 2,703 |
| Memoranda: | ||
| Average total assets | $27,524,500 | 7,221 |
| Average earning assets | $26,305,500 | 7,165 |
| Average equity | $2,337,000 | 7,330 |
| Average total loans | $16,169,500 | 7,026 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2129% | 3,541 |
| Cost of funding earning assets | 1.1726% | 4,715 |
| Net interest margin | 4.0403% | 2,837 |
| Noninterest income to average assets | 0.6751% | 2,992 |
| Noninterest expense to average assets | 3.0787% | 3,553 |
| Loan and lease loss provision to assets | 0.0927% | 6,212 |
| Net operating income to assets | 1.3316% | 1,103 |
| Return on assets (ROA) | 1.3316% | 1,175 |
| Pretax return on assets | 1.3761% | 1,720 |
| Return on Equity (ROE) | 15.4608% | 651 |
| Retained earnings to average equity (ytd only) | 4.9096% | 2,470 |
| Net charge-offs to loans | 0.0421% | 6,385 |
| Credit loss provision to net charge-offs | 357.1429% | 719 |
| Earnings coverage of net charge-offs (x) | 56.5714% | 417 |
| Efficiency ratio | 67.6998% | 4,627 |
| Assets per employee ($millions) | 2.9739% | 6,160 |
| Cash dividends to net income (ytd only)* | 68.2451% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 5,063 |
| Loan loss allowance to noncurrent loans | 192.5234% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,270 |
| Noncurrent loans to loans | 0.6690% | 5,708 |
| Net loans and leases to total assets | 58.9912% | 4,847 |
| Net loans and leases to deposits | 64.7037% | 5,545 |
| Net loans and leases to core deposits | 67.7901% | 5,684 |
| Total domestic deposits to total assets | 91.1713% | 524 |
| Equity capital to assets | 8.5447% | 5,800 |
| Core capital (leverage) ratio | 8.3358% | 5,633 |
| Tier 1 risk-based capital ratio | 15.9038% | 2,792 |
| Total risk-based capital ratio | 17.1599% | 2,749 |
| Memoranda: | ||
| Average total assets | $26,959,600 | 7,293 |
| Average earning assets | $25,839,600 | 7,236 |
| Average equity | $2,322,000 | 7,449 |
| Average total loans | $16,634,400 | 7,086 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 3,389 |
| Cost of funding earning assets | 1.2561% | 4,532 |
| Net interest margin | 4.0361% | 2,927 |
| Noninterest income to average assets | 0.6714% | 3,007 |
| Noninterest expense to average assets | 3.0953% | 3,358 |
| Loan and lease loss provision to assets | 0.0889% | 6,159 |
| Net operating income to assets | 1.3082% | 1,318 |
| Return on assets (ROA) | 1.3082% | 1,389 |
| Pretax return on assets | 1.3575% | 2,013 |
| Return on Equity (ROE) | 15.1591% | 832 |
| Retained earnings to average equity (ytd only) | 7.3221% | 1,691 |
| Net charge-offs to loans | 0.0476% | 6,047 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 48.8325% | 575 |
| Efficiency ratio | 68.1522% | 4,442 |
| Assets per employee ($millions) | 2.6118% | 6,918 |
| Cash dividends to net income (ytd only)* | 51.6982% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 5,544 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 6,564 |
| Noncurrent loans to loans | 0.5062% | 6,187 |
| Net loans and leases to total assets | 63.5271% | 4,217 |
| Net loans and leases to deposits | 71.2929% | 4,949 |
| Net loans and leases to core deposits | 74.8669% | 5,185 |
| Total domestic deposits to total assets | 89.1071% | 1,340 |
| Equity capital to assets | 9.0933% | 5,453 |
| Core capital (leverage) ratio | 8.4347% | 5,631 |
| Tier 1 risk-based capital ratio | 15.5395% | 2,976 |
| Total risk-based capital ratio | 16.7942% | 2,939 |
| Memoranda: | ||
| Average total assets | $27,008,250 | 7,384 |
| Average earning assets | $25,899,250 | 7,322 |
| Average equity | $2,330,750 | 7,539 |
| Average total loans | $16,794,250 | 7,180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 3,547 |
| Cost of funding earning assets | 1.3073% | 4,488 |
| Net interest margin | 3.9755% | 3,138 |
| Noninterest income to average assets | 0.6739% | 2,860 |
| Noninterest expense to average assets | 3.0324% | 3,585 |
| Loan and lease loss provision to assets | 0.0879% | 6,044 |
| Net operating income to assets | 1.3111% | 1,278 |
| Return on assets (ROA) | 1.3111% | 1,348 |
| Pretax return on assets | 1.3624% | 1,914 |
| Return on Equity (ROE) | 15.4577% | 770 |
| Retained earnings to average equity (ytd only) | 11.7444% | 529 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6471% | 4,644 |
| Assets per employee ($millions) | 2.7006% | 6,781 |
| Cash dividends to net income (ytd only)* | 24.0223% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 5,358 |
| Loan loss allowance to noncurrent loans | 185.9813% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 6,445 |
| Noncurrent loans to loans | 0.6548% | 5,942 |
| Net loans and leases to total assets | 59.7719% | 5,109 |
| Net loans and leases to deposits | 65.8293% | 5,827 |
| Net loans and leases to core deposits | 69.6737% | 5,906 |
| Total domestic deposits to total assets | 90.7983% | 568 |
| Equity capital to assets | 8.7499% | 5,816 |
| Core capital (leverage) ratio | 8.2067% | 5,934 |
| Tier 1 risk-based capital ratio | 15.7335% | 2,788 |
| Total risk-based capital ratio | 16.9855% | 2,756 |
| Memoranda: | ||
| Average total assets | $27,305,000 | 7,434 |
| Average earning assets | $26,160,000 | 7,365 |
| Average equity | $2,316,000 | 7,599 |
| Average total loans | $16,795,000 | 7,230 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3491% | 3,304 |
| Cost of funding earning assets | 1.3258% | 4,650 |
| Net interest margin | 4.0232% | 2,775 |
| Noninterest income to average assets | 0.6265% | 3,109 |
| Noninterest expense to average assets | 2.9576% | 3,826 |
| Loan and lease loss provision to assets | 0.1020% | 5,611 |
| Net operating income to assets | 1.3550% | 1,176 |
| Return on assets (ROA) | 1.3550% | 1,242 |
| Pretax return on assets | 1.4132% | 1,736 |
| Return on Equity (ROE) | 16.2268% | 687 |
| Retained earnings to average equity (ytd only) | 16.2268% | 325 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1238% | 5,090 |
| Assets per employee ($millions) | 2.8084% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,727 |
| Loan loss allowance to noncurrent loans | 187.5000% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 5,198 |
| Noncurrent loans to loans | 0.6176% | 6,076 |
| Net loans and leases to total assets | 59.2686% | 5,246 |
| Net loans and leases to deposits | 64.8397% | 5,959 |
| Net loans and leases to core deposits | 68.4444% | 6,062 |
| Total domestic deposits to total assets | 91.4079% | 402 |
| Equity capital to assets | 8.2609% | 6,352 |
| Core capital (leverage) ratio | 7.9440% | 6,318 |
| Tier 1 risk-based capital ratio | 14.6779% | 3,268 |
| Total risk-based capital ratio | 15.9677% | 3,215 |
| Memoranda: | ||
| Average total assets | $27,454,500 | 7,525 |
| Average earning assets | $26,247,500 | 7,454 |
| Average equity | $2,292,500 | 7,692 |
| Average total loans | $17,022,000 | 7,314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 1,877 |
| Cost of funding earning assets | 1.7862% | 4,066 |
| Net interest margin | 4.2117% | 2,024 |
| Noninterest income to average assets | 0.6777% | 3,099 |
| Noninterest expense to average assets | 3.2891% | 3,043 |
| Loan and lease loss provision to assets | 0.0957% | 6,654 |
| Net operating income to assets | 1.2559% | 1,120 |
| Return on assets (ROA) | 1.2559% | 1,175 |
| Pretax return on assets | 1.3287% | 1,616 |
| Return on Equity (ROE) | 13.9836% | 784 |
| Retained earnings to average equity (ytd only) | -3.4959% | 5,790 |
| Net charge-offs to loans | 0.0058% | 7,161 |
| Credit loss provision to net charge-offs | 2,500.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 78 |
| Efficiency ratio | 69.7807% | 4,670 |
| Assets per employee ($millions) | 2.4386% | 7,295 |
| Cash dividends to net income (ytd only)* | 125.0000% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,931 |
| Loan loss allowance to noncurrent loans | 76.1134% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 5,253 |
| Noncurrent loans to loans | 1.4357% | 4,518 |
| Net loans and leases to total assets | 63.4334% | 4,717 |
| Net loans and leases to deposits | 69.5922% | 5,658 |
| Net loans and leases to core deposits | 86.7986% | 5,443 |
| Total domestic deposits to total assets | 91.1500% | 478 |
| Equity capital to assets | 8.4436% | 5,989 |
| Core capital (leverage) ratio | 8.0115% | 6,173 |
| Tier 1 risk-based capital ratio | 14.0053% | 3,493 |
| Total risk-based capital ratio | 15.2437% | 3,459 |
| Memoranda: | ||
| Average total assets | $26,116,400 | 7,604 |
| Average earning assets | $25,025,400 | 7,540 |
| Average equity | $2,345,600 | 7,762 |
| Average total loans | $17,157,600 | 7,344 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1105% | 1,614 |
| Cost of funding earning assets | 1.9028% | 3,872 |
| Net interest margin | 4.2076% | 2,029 |
| Noninterest income to average assets | 0.6733% | 3,194 |
| Noninterest expense to average assets | 3.3308% | 2,805 |
| Loan and lease loss provision to assets | 0.0925% | 6,441 |
| Net operating income to assets | 1.2028% | 1,463 |
| Return on assets (ROA) | 1.2028% | 1,519 |
| Pretax return on assets | 1.2850% | 1,989 |
| Return on Equity (ROE) | 13.1878% | 1,072 |
| Retained earnings to average equity (ytd only) | -3.0434% | 5,939 |
| Net charge-offs to loans | 0.0078% | 6,857 |
| Credit loss provision to net charge-offs | 1,800.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 268.6617% | 139 |
| Efficiency ratio | 70.7424% | 4,463 |
| Assets per employee ($millions) | 2.3379% | 7,458 |
| Cash dividends to net income (ytd only)* | 123.0777% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.8047% | 4,467 |
| Net loans and leases to deposits | 72.7183% | 5,550 |
| Net loans and leases to core deposits | 91.7982% | 5,250 |
| Total domestic deposits to total assets | 90.4927% | 592 |
| Equity capital to assets | 9.0524% | 5,408 |
| Core capital (leverage) ratio | 8.3067% | 5,821 |
| Tier 1 risk-based capital ratio | 14.3648% | 3,349 |
| Total risk-based capital ratio | 15.5719% | 3,320 |
| Memoranda: | ||
| Average total assets | $25,939,250 | 7,683 |
| Average earning assets | $24,874,750 | 7,616 |
| Average equity | $2,365,750 | 7,832 |
| Average total loans | $17,146,000 | 7,411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1879% | 1,496 |
| Cost of funding earning assets | 1.9984% | 3,783 |
| Net interest margin | 4.1895% | 2,036 |
| Noninterest income to average assets | 0.6381% | 3,426 |
| Noninterest expense to average assets | 3.2522% | 3,147 |
| Loan and lease loss provision to assets | 0.0923% | 6,248 |
| Net operating income to assets | 1.1917% | 1,499 |
| Return on assets (ROA) | 1.1917% | 1,584 |
| Pretax return on assets | 1.3070% | 2,004 |
| Return on Equity (ROE) | 13.0344% | 1,177 |
| Retained earnings to average equity (ytd only) | -11.1843% | 6,981 |
| Net charge-offs to loans | 0.0117% | 6,395 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 224 |
| Efficiency ratio | 69.9174% | 4,799 |
| Assets per employee ($millions) | 2.3061% | 7,543 |
| Cash dividends to net income (ytd only)* | 185.8065% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.8743% | 4,384 |
| Net loans and leases to deposits | 74.6162% | 5,361 |
| Net loans and leases to core deposits | 92.1556% | 5,333 |
| Total domestic deposits to total assets | 89.6243% | 995 |
| Equity capital to assets | 8.8658% | 5,502 |
| Core capital (leverage) ratio | 7.8907% | 6,504 |
| Tier 1 risk-based capital ratio | 13.7807% | 3,634 |
| Total risk-based capital ratio | 14.9435% | 3,622 |
| Memoranda: | ||
| Average total assets | $26,013,330 | 7,756 |
| Average earning assets | $24,919,670 | 7,683 |
| Average equity | $2,378,330 | 7,912 |
| Average total loans | $17,160,000 | 7,478 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1519% | 1,755 |
| Cost of funding earning assets | 2.0506% | 3,872 |
| Net interest margin | 4.1013% | 2,260 |
| Noninterest income to average assets | 0.5620% | 3,817 |
| Noninterest expense to average assets | 3.0072% | 3,741 |
| Loan and lease loss provision to assets | 0.0759% | 6,007 |
| Net operating income to assets | 1.3821% | 1,178 |
| Return on assets (ROA) | 1.3821% | 1,270 |
| Pretax return on assets | 1.3973% | 1,972 |
| Return on Equity (ROE) | 14.8997% | 995 |
| Retained earnings to average equity (ytd only) | 14.8997% | 429 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1186% | 5,117 |
| Assets per employee ($millions) | 2.4306% | 7,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.4799% | 4,904 |
| Net loans and leases to deposits | 71.3842% | 5,817 |
| Net loans and leases to core deposits | 87.3442% | 5,801 |
| Total domestic deposits to total assets | 90.3280% | 663 |
| Equity capital to assets | 9.2643% | 4,989 |
| Core capital (leverage) ratio | 8.5768% | 5,381 |
| Tier 1 risk-based capital ratio | 14.9208% | 3,110 |
| Total risk-based capital ratio | 16.0177% | 3,104 |
| Memoranda: | ||
| Average total assets | $26,336,500 | 7,786 |
| Average earning assets | $25,163,000 | 7,720 |
| Average equity | $2,443,000 | 7,945 |
| Average total loans | $17,170,500 | 7,523 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5155% | 2,884 |
| Cost of funding earning assets | 2.5210% | 4,088 |
| Net interest margin | 3.9945% | 3,143 |
| Noninterest income to average assets | 0.5668% | 4,104 |
| Noninterest expense to average assets | 2.8155% | 4,758 |
| Loan and lease loss provision to assets | 0.0112% | 7,228 |
| Net operating income to assets | 1.5140% | 991 |
| Return on assets (ROA) | 1.5140% | 960 |
| Pretax return on assets | 1.5513% | 1,536 |
| Return on Equity (ROE) | 17.0818% | 620 |
| Retained earnings to average equity (ytd only) | -9.5086% | 7,030 |
| Net charge-offs to loans | 0.1281% | 4,953 |
| Credit loss provision to net charge-offs | 13.6364% | 6,605 |
| Earnings coverage of net charge-offs (x) | 19.0455% | 1,663 |
| Efficiency ratio | 64.3101% | 5,497 |
| Assets per employee ($millions) | 2.3578% | 7,470 |
| Cash dividends to net income (ytd only)* | 155.6650% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 6,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.6476% | 5,143 |
| Net loans and leases to deposits | 71.7735% | 6,081 |
| Net loans and leases to core deposits | 90.5933% | 5,750 |
| Total domestic deposits to total assets | 90.0717% | 622 |
| Equity capital to assets | 9.2882% | 4,947 |
| Core capital (leverage) ratio | 8.2458% | 6,062 |
| Tier 1 risk-based capital ratio | 14.5773% | 3,262 |
| Total risk-based capital ratio | 15.6671% | 3,245 |
| Memoranda: | ||
| Average total assets | $26,815,800 | 7,767 |
| Average earning assets | $25,585,200 | 7,709 |
| Average equity | $2,376,800 | 8,029 |
| Average total loans | $17,168,800 | 7,510 |