Home > The State Exchange Bank > Performance and Condition Ratios
The State Exchange 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 | 4.0937% | 3,818 |
| Cost of funding earning assets | 0.9496% | 3,414 |
| Net interest margin | 3.1442% | 2,993 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.1717% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9343% | 2,427 |
| Return on assets (ROA) | 0.7974% | 2,862 |
| Pretax return on assets | 0.8341% | 3,129 |
| Return on Equity (ROE) | 13.9400% | 1,499 |
| Retained earnings to average equity (ytd only) | 10.1624% | 973 |
| Net charge-offs to loans | -0.2730% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.9774% | 2,011 |
| Assets per employee ($millions) | 8.7113% | 1,105 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,193 |
| Loan loss allowance to noncurrent loans | 373.8462% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,713 |
| Noncurrent loans to loans | 0.3885% | 1,819 |
| Net loans and leases to total assets | 31.5500% | 4,262 |
| Net loans and leases to deposits | 33.8569% | 4,307 |
| Net loans and leases to core deposits | 35.3969% | 4,348 |
| Total domestic deposits to total assets | 93.1800% | 156 |
| Equity capital to assets | 6.3289% | 4,162 |
| Core capital (leverage) ratio | 11.4439% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $46,278,000 | 4,345 |
| Average earning assets | $44,336,200 | 4,304 |
| Average equity | $2,647,000 | 4,448 |
| Average total loans | $17,949,400 | 4,323 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,793 |
| Cost of funding earning assets | 0.9253% | 3,214 |
| Net interest margin | 3.1082% | 3,126 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.0098% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0691% | 2,153 |
| Return on assets (ROA) | 1.0748% | 2,120 |
| Pretax return on assets | 1.1225% | 2,498 |
| Return on Equity (ROE) | 19.3900% | 783 |
| Retained earnings to average equity (ytd only) | 14.0220% | 668 |
| Net charge-offs to loans | -0.3579% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.2857% | 2,463 |
| Assets per employee ($millions) | 7.3500% | 1,730 |
| Cash dividends to net income (ytd only)* | 27.7008% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 1,965 |
| Loan loss allowance to noncurrent loans | 85.2113% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 890 |
| Noncurrent loans to loans | 1.5014% | 485 |
| Net loans and leases to total assets | 42.3400% | 3,979 |
| Net loans and leases to deposits | 44.6287% | 4,088 |
| Net loans and leases to core deposits | 46.6279% | 4,114 |
| Total domestic deposits to total assets | 94.8800% | 129 |
| Equity capital to assets | 5.0363% | 4,241 |
| Core capital (leverage) ratio | 12.5804% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $44,780,500 | 4,372 |
| Average earning assets | $42,939,250 | 4,333 |
| Average equity | $2,481,750 | 4,481 |
| Average total loans | $18,253,500 | 4,338 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,891 |
| Cost of funding earning assets | 0.8442% | 3,086 |
| Net interest margin | 3.0447% | 3,328 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.9952% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0402% | 2,283 |
| Return on assets (ROA) | 1.0487% | 2,262 |
| Pretax return on assets | 1.0976% | 2,654 |
| Return on Equity (ROE) | 18.3800% | 910 |
| Retained earnings to average equity (ytd only) | 14.4822% | 624 |
| Net charge-offs to loans | -0.0111% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.6974% | 2,408 |
| Assets per employee ($millions) | 7.2450% | 1,754 |
| Cash dividends to net income (ytd only)* | 21.1864% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,025 |
| Loan loss allowance to noncurrent loans | 262.1622% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,359 |
| Noncurrent loans to loans | 0.4135% | 1,691 |
| Net loans and leases to total assets | 40.7300% | 4,017 |
| Net loans and leases to deposits | 43.4667% | 4,122 |
| Net loans and leases to core deposits | 45.4625% | 4,137 |
| Total domestic deposits to total assets | 93.7000% | 169 |
| Equity capital to assets | 6.2066% | 4,097 |
| Core capital (leverage) ratio | 11.6430% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,007,333 | 4,392 |
| Average earning assets | $43,354,667 | 4,354 |
| Average equity | $2,568,667 | 4,503 |
| Average total loans | $18,032,667 | 4,363 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 3,901 |
| Cost of funding earning assets | 0.7919% | 2,763 |
| Net interest margin | 2.9857% | 3,635 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.8525% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0839% | 2,278 |
| Return on assets (ROA) | 1.0923% | 2,220 |
| Pretax return on assets | 1.1360% | 2,606 |
| Return on Equity (ROE) | 19.9700% | 769 |
| Retained earnings to average equity (ytd only) | 11.9808% | 1,274 |
| Net charge-offs to loans | -0.2210% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1701% | 2,666 |
| Assets per employee ($millions) | 7.4422% | 1,655 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,671 |
| Loan loss allowance to noncurrent loans | 882.6087% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,267 |
| Noncurrent loans to loans | 0.1335% | 2,843 |
| Net loans and leases to total assets | 38.1300% | 4,112 |
| Net loans and leases to deposits | 40.4658% | 4,214 |
| Net loans and leases to core deposits | 42.2607% | 4,218 |
| Total domestic deposits to total assets | 94.2300% | 149 |
| Equity capital to assets | 5.6861% | 4,292 |
| Core capital (leverage) ratio | 11.8145% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,776,000 | 4,449 |
| Average earning assets | $43,943,000 | 4,414 |
| Average equity | $2,504,000 | 4,570 |
| Average total loans | $18,100,000 | 4,422 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 3,707 |
| Cost of funding earning assets | 0.4903% | 1,463 |
| Net interest margin | 2.7613% | 3,956 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.0987% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6475% | 3,766 |
| Return on assets (ROA) | 0.5688% | 3,910 |
| Pretax return on assets | 0.6015% | 4,024 |
| Return on Equity (ROE) | 7.9700% | 3,396 |
| Retained earnings to average equity (ytd only) | 1.8627% | 4,009 |
| Net charge-offs to loans | 0.0726% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 24.1538% | 1,802 |
| Efficiency ratio | 75.4111% | 1,077 |
| Assets per employee ($millions) | 6.6999% | 2,183 |
| Cash dividends to net income (ytd only)* | 76.6284% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 3,938 |
| Loan loss allowance to noncurrent loans | 666.6667% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,291 |
| Noncurrent loans to loans | 0.1265% | 2,882 |
| Net loans and leases to total assets | 40.1100% | 4,067 |
| Net loans and leases to deposits | 42.3786% | 4,163 |
| Net loans and leases to core deposits | 43.6420% | 4,189 |
| Total domestic deposits to total assets | 94.6500% | 176 |
| Equity capital to assets | 5.2645% | 4,296 |
| Core capital (leverage) ratio | 11.7687% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,885,800 | 4,478 |
| Average earning assets | $44,255,000 | 4,433 |
| Average equity | $3,274,800 | 4,591 |
| Average total loans | $17,903,600 | 4,438 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1292% | 3,604 |
| Cost of funding earning assets | 0.4146% | 1,195 |
| Net interest margin | 2.7146% | 3,898 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.8963% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8215% | 3,168 |
| Return on assets (ROA) | 0.8327% | 3,092 |
| Pretax return on assets | 0.8707% | 3,418 |
| Return on Equity (ROE) | 10.9300% | 2,401 |
| Retained earnings to average equity (ytd only) | 3.2601% | 3,709 |
| Net charge-offs to loans | 0.1890% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 11.7600% | 1,935 |
| Efficiency ratio | 68.8229% | 1,911 |
| Assets per employee ($millions) | 6.3586% | 2,437 |
| Cash dividends to net income (ytd only)* | 70.1754% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 4,163 |
| Loan loss allowance to noncurrent loans | 573.0769% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,309 |
| Noncurrent loans to loans | 0.1324% | 2,975 |
| Net loans and leases to total assets | 43.7900% | 3,886 |
| Net loans and leases to deposits | 50.0257% | 3,851 |
| Net loans and leases to core deposits | 50.3943% | 3,926 |
| Total domestic deposits to total assets | 87.5400% | 2,582 |
| Equity capital to assets | 4.5316% | 4,391 |
| Core capital (leverage) ratio | 11.1540% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $45,632,500 | 4,516 |
| Average earning assets | $44,057,250 | 4,470 |
| Average equity | $3,476,250 | 4,614 |
| Average total loans | $17,636,750 | 4,476 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9715% | 3,623 |
| Cost of funding earning assets | 0.3187% | 1,541 |
| Net interest margin | 2.6528% | 3,808 |
| Noninterest income to average assets | 0.1435% | 4,299 |
| Noninterest expense to average assets | 1.8432% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8305% | 2,850 |
| Return on assets (ROA) | 0.8347% | 2,810 |
| Pretax return on assets | 0.8738% | 3,139 |
| Return on Equity (ROE) | 9.6904% | 2,455 |
| Retained earnings to average equity (ytd only) | 2.1198% | 3,718 |
| Net charge-offs to loans | 0.2947% | 239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,836 |
| Efficiency ratio | 67.9487% | 2,252 |
| Assets per employee ($millions) | 6.2390% | 2,530 |
| Cash dividends to net income (ytd only)* | 78.1250% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 4,172 |
| Loan loss allowance to noncurrent loans | 548.1481% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,362 |
| Noncurrent loans to loans | 0.1463% | 2,966 |
| Net loans and leases to total assets | 41.9115% | 3,978 |
| Net loans and leases to deposits | 46.8277% | 3,992 |
| Net loans and leases to core deposits | 47.1716% | 4,072 |
| Total domestic deposits to total assets | 89.5015% | 1,948 |
| Equity capital to assets | 5.5641% | 4,342 |
| Core capital (leverage) ratio | 11.0519% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,006,667 | 4,560 |
| Average earning assets | $44,556,000 | 4,525 |
| Average equity | $3,962,667 | 4,620 |
| Average total loans | $16,968,333 | 4,545 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7498% | 3,842 |
| Cost of funding earning assets | 0.3065% | 1,594 |
| Net interest margin | 2.4433% | 4,001 |
| Noninterest income to average assets | 0.1272% | 4,372 |
| Noninterest expense to average assets | 1.6704% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7889% | 2,701 |
| Return on assets (ROA) | 0.7971% | 2,657 |
| Pretax return on assets | 0.8310% | 3,010 |
| Return on Equity (ROE) | 7.9509% | 2,711 |
| Retained earnings to average equity (ytd only) | -4.7367% | 4,415 |
| Net charge-offs to loans | 0.6902% | 98 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.4643% | 1,665 |
| Efficiency ratio | 67.0068% | 2,633 |
| Assets per employee ($millions) | 6.5213% | 2,362 |
| Cash dividends to net income (ytd only)* | 159.5745% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 4,135 |
| Loan loss allowance to noncurrent loans | 517.8571% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,446 |
| Noncurrent loans to loans | 0.1655% | 2,984 |
| Net loans and leases to total assets | 36.7478% | 4,165 |
| Net loans and leases to deposits | 40.3517% | 4,230 |
| Net loans and leases to core deposits | 40.6292% | 4,291 |
| Total domestic deposits to total assets | 91.0688% | 1,000 |
| Equity capital to assets | 8.8523% | 2,836 |
| Core capital (leverage) ratio | 10.5843% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,173,500 | 4,572 |
| Average earning assets | $45,676,500 | 4,536 |
| Average equity | $4,729,000 | 4,589 |
| Average total loans | $16,226,500 | 4,575 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 2,994 |
| Cost of funding earning assets | 0.3470% | 1,960 |
| Net interest margin | 3.0270% | 3,125 |
| Noninterest income to average assets | 0.1317% | 4,488 |
| Noninterest expense to average assets | 2.0319% | 3,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0044% | 2,652 |
| Return on assets (ROA) | 1.1079% | 2,323 |
| Pretax return on assets | 1.1374% | 2,866 |
| Return on Equity (ROE) | 9.0004% | 2,908 |
| Retained earnings to average equity (ytd only) | 6.2339% | 2,257 |
| Net charge-offs to loans | 0.0731% | 1,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 41.2727% | 1,420 |
| Efficiency ratio | 66.3454% | 2,214 |
| Assets per employee ($millions) | 8.1163% | 1,269 |
| Cash dividends to net income (ytd only)* | 30.7377% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,300 |
| Loan loss allowance to noncurrent loans | 288.3333% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 3,072 |
| Noncurrent loans to loans | 0.3863% | 2,202 |
| Net loans and leases to total assets | 31.5413% | 4,467 |
| Net loans and leases to deposits | 35.5284% | 4,490 |
| Net loans and leases to core deposits | 35.7633% | 4,520 |
| Total domestic deposits to total assets | 88.7778% | 1,625 |
| Equity capital to assets | 11.1237% | 1,717 |
| Core capital (leverage) ratio | 11.6890% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,048,000 | 4,617 |
| Average earning assets | $42,649,200 | 4,588 |
| Average equity | $5,422,000 | 4,588 |
| Average total loans | $15,049,000 | 4,649 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 2,881 |
| Cost of funding earning assets | 0.3664% | 1,971 |
| Net interest margin | 3.1175% | 3,008 |
| Noninterest income to average assets | 0.1430% | 4,481 |
| Noninterest expense to average assets | 1.8094% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2928% | 1,846 |
| Return on assets (ROA) | 1.4301% | 1,513 |
| Pretax return on assets | 1.4923% | 2,012 |
| Return on Equity (ROE) | 11.3090% | 2,271 |
| Retained earnings to average equity (ytd only) | 7.6213% | 2,174 |
| Net charge-offs to loans | -0.0715% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2835% | 3,384 |
| Assets per employee ($millions) | 6.8803% | 1,952 |
| Cash dividends to net income (ytd only)* | 32.6087% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,561 |
| Loan loss allowance to noncurrent loans | 181.1321% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 2,489 |
| Noncurrent loans to loans | 0.7101% | 1,567 |
| Net loans and leases to total assets | 35.6935% | 4,403 |
| Net loans and leases to deposits | 41.3475% | 4,403 |
| Net loans and leases to core deposits | 41.6796% | 4,459 |
| Total domestic deposits to total assets | 86.3258% | 2,623 |
| Equity capital to assets | 13.5071% | 849 |
| Core capital (leverage) ratio | 12.3584% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,885,500 | 4,701 |
| Average earning assets | $41,485,750 | 4,667 |
| Average equity | $5,423,250 | 4,656 |
| Average total loans | $14,928,000 | 4,720 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0775% | 3,912 |
| Cost of funding earning assets | 0.3704% | 2,135 |
| Net interest margin | 2.7071% | 3,967 |
| Noninterest income to average assets | 0.1428% | 4,485 |
| Noninterest expense to average assets | 1.7319% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9892% | 2,926 |
| Return on assets (ROA) | 1.1838% | 2,312 |
| Pretax return on assets | 1.2391% | 2,804 |
| Return on Equity (ROE) | 9.5675% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.7755% | 2,512 |
| Net charge-offs to loans | -0.0804% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5624% | 2,652 |
| Assets per employee ($millions) | 7.0495% | 1,767 |
| Cash dividends to net income (ytd only)* | 29.1829% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 2,602 |
| Loan loss allowance to noncurrent loans | 502.6316% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,603 |
| Noncurrent loans to loans | 0.2519% | 3,043 |
| Net loans and leases to total assets | 35.2105% | 4,490 |
| Net loans and leases to deposits | 40.4152% | 4,509 |
| Net loans and leases to core deposits | 40.7291% | 4,563 |
| Total domestic deposits to total assets | 87.1220% | 2,255 |
| Equity capital to assets | 12.7432% | 1,031 |
| Core capital (leverage) ratio | 11.3921% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5911% | 509 |
| Memoranda: | ||
| Average total assets | $43,420,000 | 4,724 |
| Average earning assets | $42,111,667 | 4,680 |
| Average equity | $5,372,333 | 4,687 |
| Average total loans | $14,928,333 | 4,756 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8030% | 4,374 |
| Cost of funding earning assets | 0.3656% | 2,399 |
| Net interest margin | 2.4374% | 4,377 |
| Noninterest income to average assets | 0.2092% | 4,131 |
| Noninterest expense to average assets | 1.6825% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8618% | 3,230 |
| Return on assets (ROA) | 1.2460% | 2,071 |
| Pretax return on assets | 1.2915% | 2,591 |
| Return on Equity (ROE) | 10.2172% | 2,615 |
| Retained earnings to average equity (ytd only) | 4.6238% | 3,336 |
| Net charge-offs to loans | -0.1077% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3710% | 2,323 |
| Assets per employee ($millions) | 7.3588% | 1,553 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 2,181 |
| Loan loss allowance to noncurrent loans | 185.2941% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 2,994 |
| Noncurrent loans to loans | 0.7313% | 1,774 |
| Net loans and leases to total assets | 31.1598% | 4,661 |
| Net loans and leases to deposits | 35.3513% | 4,694 |
| Net loans and leases to core deposits | 35.6111% | 4,728 |
| Total domestic deposits to total assets | 88.1435% | 1,768 |
| Equity capital to assets | 11.7365% | 1,422 |
| Core capital (leverage) ratio | 10.8950% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,981,500 | 4,741 |
| Average earning assets | $42,669,000 | 4,694 |
| Average equity | $5,363,500 | 4,706 |
| Average total loans | $14,850,500 | 4,786 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 3,741 |
| Cost of funding earning assets | 0.5775% | 2,466 |
| Net interest margin | 3.0504% | 3,752 |
| Noninterest income to average assets | 0.1927% | 4,322 |
| Noninterest expense to average assets | 2.3149% | 3,367 |
| Loan and lease loss provision to assets | 0.1302% | 2,735 |
| Net operating income to assets | 0.6744% | 3,508 |
| Return on assets (ROA) | 0.6796% | 3,623 |
| Pretax return on assets | 0.6822% | 3,918 |
| Return on Equity (ROE) | 5.0845% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.6494% | 3,528 |
| Net charge-offs to loans | 0.3670% | 473 |
| Credit loss provision to net charge-offs | 84.7458% | 2,961 |
| Earnings coverage of net charge-offs (x) | 5.2542% | 2,878 |
| Efficiency ratio | 74.1451% | 1,422 |
| Assets per employee ($millions) | 7.3017% | 1,397 |
| Cash dividends to net income (ytd only)* | 47.8927% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 3,086 |
| Loan loss allowance to noncurrent loans | 159.4828% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 2,977 |
| Noncurrent loans to loans | 0.7363% | 1,864 |
| Net loans and leases to total assets | 35.5375% | 4,603 |
| Net loans and leases to deposits | 40.7555% | 4,642 |
| Net loans and leases to core deposits | 41.0607% | 4,674 |
| Total domestic deposits to total assets | 87.1970% | 1,843 |
| Equity capital to assets | 12.6569% | 1,254 |
| Core capital (leverage) ratio | 11.2623% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,403,600 | 4,791 |
| Average earning assets | $36,880,600 | 4,755 |
| Average equity | $5,133,200 | 4,732 |
| Average total loans | $16,077,200 | 4,785 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 3,483 |
| Cost of funding earning assets | 0.6349% | 2,405 |
| Net interest margin | 3.1934% | 3,505 |
| Noninterest income to average assets | 0.1979% | 4,289 |
| Noninterest expense to average assets | 2.1771% | 3,736 |
| Loan and lease loss provision to assets | 0.1808% | 2,175 |
| Net operating income to assets | 0.8675% | 2,838 |
| Return on assets (ROA) | 0.8744% | 2,929 |
| Pretax return on assets | 0.9068% | 3,366 |
| Return on Equity (ROE) | 6.4409% | 3,395 |
| Retained earnings to average equity (ytd only) | 3.1277% | 3,461 |
| Net charge-offs to loans | 0.5281% | 281 |
| Credit loss provision to net charge-offs | 78.1250% | 2,771 |
| Earnings coverage of net charge-offs (x) | 4.6875% | 2,798 |
| Efficiency ratio | 66.8508% | 2,339 |
| Assets per employee ($millions) | 6.5163% | 1,821 |
| Cash dividends to net income (ytd only)* | 51.4403% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,458 |
| Loan loss allowance to noncurrent loans | 111.8012% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 2,518 |
| Noncurrent loans to loans | 0.9397% | 1,600 |
| Net loans and leases to total assets | 43.3628% | 4,441 |
| Net loans and leases to deposits | 50.5350% | 4,473 |
| Net loans and leases to core deposits | 50.9619% | 4,553 |
| Total domestic deposits to total assets | 85.8075% | 2,146 |
| Equity capital to assets | 13.9751% | 860 |
| Core capital (leverage) ratio | 12.5788% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,052,000 | 4,831 |
| Average earning assets | $35,489,250 | 4,800 |
| Average equity | $5,030,250 | 4,774 |
| Average total loans | $16,158,000 | 4,816 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,541 |
| Cost of funding earning assets | 0.7007% | 2,376 |
| Net interest margin | 3.2279% | 3,583 |
| Noninterest income to average assets | 0.2475% | 3,989 |
| Noninterest expense to average assets | 2.3591% | 3,375 |
| Loan and lease loss provision to assets | 0.2750% | 1,557 |
| Net operating income to assets | 0.6874% | 3,438 |
| Return on assets (ROA) | 0.6874% | 3,538 |
| Pretax return on assets | 0.7039% | 3,862 |
| Return on Equity (ROE) | 5.1170% | 3,803 |
| Retained earnings to average equity (ytd only) | 2.0468% | 3,734 |
| Net charge-offs to loans | 0.8337% | 184 |
| Credit loss provision to net charge-offs | 75.7576% | 2,523 |
| Earnings coverage of net charge-offs (x) | 2.6970% | 2,743 |
| Efficiency ratio | 70.6755% | 1,864 |
| Assets per employee ($millions) | 6.2147% | 2,015 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,180 |
| Loan loss allowance to noncurrent loans | 105.3892% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 2,528 |
| Noncurrent loans to loans | 1.0246% | 1,519 |
| Net loans and leases to total assets | 43.2391% | 4,493 |
| Net loans and leases to deposits | 51.4882% | 4,460 |
| Net loans and leases to core deposits | 51.9544% | 4,570 |
| Total domestic deposits to total assets | 83.9788% | 2,750 |
| Equity capital to assets | 14.2781% | 784 |
| Core capital (leverage) ratio | 12.6319% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,370,000 | 4,858 |
| Average earning assets | $34,821,000 | 4,833 |
| Average equity | $4,885,667 | 4,819 |
| Average total loans | $15,832,667 | 4,850 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 4,169 |
| Cost of funding earning assets | 0.7384% | 2,733 |
| Net interest margin | 3.0941% | 4,112 |
| Noninterest income to average assets | 0.1782% | 4,477 |
| Noninterest expense to average assets | 2.3057% | 3,759 |
| Loan and lease loss provision to assets | 0.5569% | 511 |
| Net operating income to assets | 0.2562% | 4,438 |
| Return on assets (ROA) | 0.2562% | 4,460 |
| Pretax return on assets | 0.2562% | 4,514 |
| Return on Equity (ROE) | 1.9715% | 4,450 |
| Retained earnings to average equity (ytd only) | -4.4573% | 4,476 |
| Net charge-offs to loans | 1.7180% | 88 |
| Credit loss provision to net charge-offs | 74.6269% | 1,957 |
| Earnings coverage of net charge-offs (x) | 1.0896% | 2,419 |
| Efficiency ratio | 73.9286% | 1,828 |
| Assets per employee ($millions) | 4.8979% | 2,755 |
| Cash dividends to net income (ytd only)* | 326.0870% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 2,836 |
| Loan loss allowance to noncurrent loans | 112.1019% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8959% | 459 |
| Noncurrent loans to loans | 1.0414% | 1,599 |
| Net loans and leases to total assets | 43.4592% | 4,527 |
| Net loans and leases to deposits | 50.0319% | 4,590 |
| Net loans and leases to core deposits | 50.5033% | 4,664 |
| Total domestic deposits to total assets | 86.8631% | 1,618 |
| Equity capital to assets | 12.9999% | 1,429 |
| Core capital (leverage) ratio | 12.7911% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0567% | 638 |
| Memoranda: | ||
| Average total assets | $35,911,000 | 4,902 |
| Average earning assets | $34,130,000 | 4,876 |
| Average equity | $4,666,500 | 4,877 |
| Average total loans | $15,599,500 | 4,889 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 4,038 |
| Cost of funding earning assets | 0.6535% | 3,392 |
| Net interest margin | 3.4459% | 3,604 |
| Noninterest income to average assets | 0.2775% | 4,021 |
| Noninterest expense to average assets | 2.6514% | 3,024 |
| Loan and lease loss provision to assets | 0.0701% | 2,599 |
| Net operating income to assets | 0.7404% | 3,730 |
| Return on assets (ROA) | 0.8745% | 3,388 |
| Pretax return on assets | 0.9529% | 3,596 |
| Return on Equity (ROE) | 6.7632% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.5955% | 2,652 |
| Net charge-offs to loans | 0.0358% | 2,673 |
| Credit loss provision to net charge-offs | 416.6667% | 686 |
| Earnings coverage of net charge-offs (x) | 52.1667% | 1,098 |
| Efficiency ratio | 75.1390% | 1,468 |
| Assets per employee ($millions) | 5.3624% | 2,181 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,489 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6544% | 570 |
| Noncurrent loans to loans | 0.7939% | 1,920 |
| Net loans and leases to total assets | 42.4408% | 4,662 |
| Net loans and leases to deposits | 48.8636% | 4,716 |
| Net loans and leases to core deposits | 49.2854% | 4,771 |
| Total domestic deposits to total assets | 86.8556% | 1,683 |
| Equity capital to assets | 12.9899% | 1,528 |
| Core capital (leverage) ratio | 12.9312% | 1,263 |
| Tier 1 risk-based capital ratio | 20.2201% | 1,296 |
| Total risk-based capital ratio | 21.0519% | 1,322 |
| Memoranda: | ||
| Average total assets | $35,679,000 | 4,962 |
| Average earning assets | $33,663,200 | 4,936 |
| Average equity | $4,613,200 | 4,930 |
| Average total loans | $16,758,400 | 4,935 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 4,113 |
| Cost of funding earning assets | 0.6509% | 3,448 |
| Net interest margin | 3.4673% | 3,671 |
| Noninterest income to average assets | 0.2650% | 4,155 |
| Noninterest expense to average assets | 2.2945% | 3,971 |
| Loan and lease loss provision to assets | 0.0946% | 2,021 |
| Net operating income to assets | 1.1018% | 2,558 |
| Return on assets (ROA) | 1.1018% | 2,651 |
| Pretax return on assets | 1.1434% | 3,156 |
| Return on Equity (ROE) | 8.5319% | 3,093 |
| Retained earnings to average equity (ytd only) | 5.6000% | 2,572 |
| Net charge-offs to loans | 0.0552% | 2,046 |
| Credit loss provision to net charge-offs | 357.1429% | 840 |
| Earnings coverage of net charge-offs (x) | 46.7299% | 1,247 |
| Efficiency ratio | 64.9518% | 2,873 |
| Assets per employee ($millions) | 4.9371% | 2,629 |
| Cash dividends to net income (ytd only)* | 34.3643% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,096 |
| Loan loss allowance to noncurrent loans | 138.4058% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.8258% | 538 |
| Noncurrent loans to loans | 0.7853% | 2,007 |
| Net loans and leases to total assets | 50.2980% | 4,412 |
| Net loans and leases to deposits | 58.5779% | 4,451 |
| Net loans and leases to core deposits | 59.1279% | 4,563 |
| Total domestic deposits to total assets | 85.8652% | 2,052 |
| Equity capital to assets | 14.0075% | 1,148 |
| Core capital (leverage) ratio | 13.5079% | 1,125 |
| Tier 1 risk-based capital ratio | 20.6579% | 1,241 |
| Total risk-based capital ratio | 21.5070% | 1,294 |
| Memoranda: | ||
| Average total assets | $35,214,500 | 5,040 |
| Average earning assets | $33,185,250 | 5,016 |
| Average equity | $4,547,500 | 5,000 |
| Average total loans | $16,917,250 | 5,004 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 4,296 |
| Cost of funding earning assets | 0.5969% | 3,662 |
| Net interest margin | 3.4442% | 3,756 |
| Noninterest income to average assets | 0.2314% | 4,366 |
| Noninterest expense to average assets | 2.2070% | 4,211 |
| Loan and lease loss provision to assets | 0.1411% | 1,316 |
| Net operating income to assets | 1.0950% | 2,543 |
| Return on assets (ROA) | 1.0950% | 2,612 |
| Pretax return on assets | 1.1402% | 3,119 |
| Return on Equity (ROE) | 8.7197% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.4724% | 2,067 |
| Net charge-offs to loans | 0.0838% | 1,522 |
| Credit loss provision to net charge-offs | 357.1429% | 793 |
| Earnings coverage of net charge-offs (x) | 32.4286% | 1,403 |
| Efficiency ratio | 63.2686% | 3,244 |
| Assets per employee ($millions) | 4.9130% | 2,589 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,955 |
| Loan loss allowance to noncurrent loans | 113.6095% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.9278% | 494 |
| Noncurrent loans to loans | 0.9866% | 1,655 |
| Net loans and leases to total assets | 49.2513% | 4,509 |
| Net loans and leases to deposits | 60.4195% | 4,413 |
| Net loans and leases to core deposits | 61.0202% | 4,538 |
| Total domestic deposits to total assets | 81.5155% | 3,661 |
| Equity capital to assets | 13.6984% | 1,243 |
| Core capital (leverage) ratio | 13.1919% | 1,215 |
| Tier 1 risk-based capital ratio | 19.8430% | 1,382 |
| Total risk-based capital ratio | 20.6712% | 1,423 |
| Memoranda: | ||
| Average total assets | $35,432,670 | 5,077 |
| Average earning assets | $33,506,000 | 5,056 |
| Average equity | $4,449,670 | 5,047 |
| Average total loans | $16,698,330 | 5,050 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 4,513 |
| Cost of funding earning assets | 0.5669% | 3,751 |
| Net interest margin | 3.3542% | 4,022 |
| Noninterest income to average assets | 0.1891% | 4,619 |
| Noninterest expense to average assets | 2.5589% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7565% | 3,755 |
| Return on assets (ROA) | 0.7565% | 3,801 |
| Pretax return on assets | 0.7899% | 4,068 |
| Return on Equity (ROE) | 6.2978% | 3,919 |
| Retained earnings to average equity (ytd only) | 1.6671% | 4,150 |
| Net charge-offs to loans | 0.0243% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 837 |
| Efficiency ratio | 76.4120% | 1,455 |
| Assets per employee ($millions) | 4.9534% | 2,585 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,358 |
| Loan loss allowance to noncurrent loans | 94.5652% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.9554% | 515 |
| Noncurrent loans to loans | 1.1208% | 1,490 |
| Net loans and leases to total assets | 46.8449% | 4,632 |
| Net loans and leases to deposits | 53.6905% | 4,685 |
| Net loans and leases to core deposits | 54.1813% | 4,779 |
| Total domestic deposits to total assets | 87.2498% | 1,687 |
| Equity capital to assets | 12.6810% | 1,637 |
| Core capital (leverage) ratio | 12.9639% | 1,291 |
| Tier 1 risk-based capital ratio | 20.5388% | 1,241 |
| Total risk-based capital ratio | 21.3374% | 1,293 |
| Memoranda: | ||
| Average total assets | $35,953,500 | 5,125 |
| Average earning assets | $33,868,000 | 5,103 |
| Average equity | $4,319,000 | 5,110 |
| Average total loans | $16,482,500 | 5,114 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,482 |
| Cost of funding earning assets | 0.4875% | 3,431 |
| Net interest margin | 3.3152% | 4,211 |
| Noninterest income to average assets | 0.2057% | 4,690 |
| Noninterest expense to average assets | 2.4734% | 3,690 |
| Loan and lease loss provision to assets | 0.0695% | 2,749 |
| Net operating income to assets | 0.7724% | 3,906 |
| Return on assets (ROA) | 0.7504% | 3,972 |
| Pretax return on assets | 0.7587% | 4,273 |
| Return on Equity (ROE) | 6.4630% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.0693% | 3,322 |
| Net charge-offs to loans | -0.0060% | 4,388 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4147% | 1,572 |
| Assets per employee ($millions) | 5.3190% | 2,130 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,373 |
| Loan loss allowance to noncurrent loans | 113.7255% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.7458% | 602 |
| Noncurrent loans to loans | 0.9246% | 1,735 |
| Net loans and leases to total assets | 43.9771% | 4,817 |
| Net loans and leases to deposits | 49.6648% | 4,892 |
| Net loans and leases to core deposits | 50.0811% | 4,942 |
| Total domestic deposits to total assets | 88.5478% | 1,050 |
| Equity capital to assets | 11.3904% | 2,339 |
| Core capital (leverage) ratio | 12.6218% | 1,402 |
| Tier 1 risk-based capital ratio | 19.5157% | 1,398 |
| Total risk-based capital ratio | 20.2776% | 1,478 |
| Memoranda: | ||
| Average total assets | $35,982,600 | 5,158 |
| Average earning assets | $33,844,000 | 5,138 |
| Average equity | $4,177,600 | 5,154 |
| Average total loans | $16,627,600 | 5,158 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,571 |
| Cost of funding earning assets | 0.4773% | 3,347 |
| Net interest margin | 3.2614% | 4,378 |
| Noninterest income to average assets | 0.2168% | 4,669 |
| Noninterest expense to average assets | 2.2539% | 4,205 |
| Loan and lease loss provision to assets | 0.0934% | 2,110 |
| Net operating income to assets | 0.9037% | 3,506 |
| Return on assets (ROA) | 0.8747% | 3,646 |
| Pretax return on assets | 0.9046% | 4,007 |
| Return on Equity (ROE) | 7.4966% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.2929% | 3,616 |
| Net charge-offs to loans | 0.0160% | 2,854 |
| Credit loss provision to net charge-offs | 1,250.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 137.3258% | 588 |
| Efficiency ratio | 68.6788% | 2,411 |
| Assets per employee ($millions) | 4.9961% | 2,468 |
| Cash dividends to net income (ytd only)* | 42.7353% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 3,971 |
| Loan loss allowance to noncurrent loans | 110.3226% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.8672% | 604 |
| Noncurrent loans to loans | 0.8754% | 1,952 |
| Net loans and leases to total assets | 50.1387% | 4,585 |
| Net loans and leases to deposits | 60.9193% | 4,504 |
| Net loans and leases to core deposits | 61.5026% | 4,638 |
| Total domestic deposits to total assets | 82.3035% | 3,520 |
| Equity capital to assets | 11.7319% | 2,082 |
| Core capital (leverage) ratio | 12.7967% | 1,371 |
| Tier 1 risk-based capital ratio | 19.3980% | 1,452 |
| Total risk-based capital ratio | 20.1483% | 1,530 |
| Memoranda: | ||
| Average total assets | $35,670,000 | 5,229 |
| Average earning assets | $33,522,250 | 5,206 |
| Average equity | $4,161,750 | 5,221 |
| Average total loans | $16,647,500 | 5,221 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 4,807 |
| Cost of funding earning assets | 0.4372% | 3,443 |
| Net interest margin | 3.1370% | 4,646 |
| Noninterest income to average assets | 0.2395% | 4,582 |
| Noninterest expense to average assets | 2.1503% | 4,486 |
| Loan and lease loss provision to assets | 0.1393% | 1,403 |
| Net operating income to assets | 0.8690% | 3,586 |
| Return on assets (ROA) | 0.8690% | 3,590 |
| Pretax return on assets | 0.9080% | 3,940 |
| Return on Equity (ROE) | 7.4617% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.0702% | 3,039 |
| Net charge-offs to loans | 0.0123% | 2,725 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 438 |
| Efficiency ratio | 67.2474% | 2,772 |
| Assets per employee ($millions) | 4.8467% | 2,620 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,570 |
| Loan loss allowance to noncurrent loans | 24.5014% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 2.0809% | 499 |
| Noncurrent loans to loans | 4.2584% | 198 |
| Net loans and leases to total assets | 48.0826% | 4,714 |
| Net loans and leases to deposits | 54.8447% | 4,809 |
| Net loans and leases to core deposits | 55.3527% | 4,887 |
| Total domestic deposits to total assets | 87.6706% | 1,552 |
| Equity capital to assets | 12.2557% | 1,693 |
| Core capital (leverage) ratio | 12.3670% | 1,512 |
| Tier 1 risk-based capital ratio | 21.9424% | 1,041 |
| Total risk-based capital ratio | 22.8018% | 1,070 |
| Memoranda: | ||
| Average total assets | $35,902,330 | 5,288 |
| Average earning assets | $33,854,330 | 5,264 |
| Average equity | $4,181,330 | 5,281 |
| Average total loans | $16,294,670 | 5,289 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 4,750 |
| Cost of funding earning assets | 0.4402% | 3,282 |
| Net interest margin | 3.1394% | 4,618 |
| Noninterest income to average assets | 0.2385% | 4,570 |
| Noninterest expense to average assets | 2.1361% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0192% | 2,785 |
| Return on assets (ROA) | 1.0192% | 2,803 |
| Pretax return on assets | 1.0409% | 3,391 |
| Return on Equity (ROE) | 8.9673% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.1975% | 3,510 |
| Net charge-offs to loans | 0.1482% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,642 |
| Efficiency ratio | 67.2355% | 2,964 |
| Assets per employee ($millions) | 5.0259% | 2,458 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,546 |
| Loan loss allowance to noncurrent loans | 18.8079% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 483 |
| Noncurrent loans to loans | 4.6605% | 176 |
| Net loans and leases to total assets | 45.6440% | 4,812 |
| Net loans and leases to deposits | 51.7516% | 4,890 |
| Net loans and leases to core deposits | 52.2076% | 4,974 |
| Total domestic deposits to total assets | 88.1982% | 1,507 |
| Equity capital to assets | 11.7222% | 1,976 |
| Core capital (leverage) ratio | 12.1387% | 1,562 |
| Tier 1 risk-based capital ratio | 22.8858% | 956 |
| Total risk-based capital ratio | 23.6364% | 987 |
| Memoranda: | ||
| Average total assets | $36,890,000 | 5,329 |
| Average earning assets | $34,528,500 | 5,302 |
| Average equity | $4,193,000 | 5,334 |
| Average total loans | $16,199,500 | 5,348 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 4,753 |
| Cost of funding earning assets | 0.4169% | 3,080 |
| Net interest margin | 3.1042% | 4,688 |
| Noninterest income to average assets | 0.2522% | 4,624 |
| Noninterest expense to average assets | 2.3188% | 4,277 |
| Loan and lease loss provision to assets | 0.2712% | 664 |
| Net operating income to assets | 0.5887% | 4,060 |
| Return on assets (ROA) | 0.5939% | 4,077 |
| Pretax return on assets | 0.6156% | 4,708 |
| Return on Equity (ROE) | 5.1199% | 4,111 |
| Retained earnings to average equity (ytd only) | 2.7821% | 3,641 |
| Net charge-offs to loans | 1.0356% | 169 |
| Credit loss provision to net charge-offs | 60.2410% | 3,209 |
| Earnings coverage of net charge-offs (x) | 1.9578% | 3,822 |
| Efficiency ratio | 72.4576% | 2,152 |
| Assets per employee ($millions) | 5.5141% | 1,923 |
| Cash dividends to net income (ytd only)* | 45.6621% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 4,400 |
| Loan loss allowance to noncurrent loans | 21.5743% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.8032% | 689 |
| Noncurrent loans to loans | 4.2348% | 213 |
| Net loans and leases to total assets | 41.5840% | 5,077 |
| Net loans and leases to deposits | 46.7973% | 5,172 |
| Net loans and leases to core deposits | 47.1700% | 5,217 |
| Total domestic deposits to total assets | 88.8598% | 1,062 |
| Equity capital to assets | 11.0417% | 2,593 |
| Core capital (leverage) ratio | 11.5991% | 1,868 |
| Tier 1 risk-based capital ratio | 21.9311% | 1,026 |
| Total risk-based capital ratio | 22.6884% | 1,057 |
| Memoranda: | ||
| Average total assets | $36,873,200 | 5,382 |
| Average earning assets | $35,017,200 | 5,348 |
| Average equity | $4,277,400 | 5,379 |
| Average total loans | $16,028,600 | 5,421 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,617 |
| Cost of funding earning assets | 0.4088% | 3,104 |
| Net interest margin | 3.1676% | 4,543 |
| Noninterest income to average assets | 0.2671% | 4,599 |
| Noninterest expense to average assets | 2.1220% | 4,685 |
| Loan and lease loss provision to assets | 0.2744% | 595 |
| Net operating income to assets | 0.8602% | 3,229 |
| Return on assets (ROA) | 0.8671% | 3,238 |
| Pretax return on assets | 0.9110% | 4,001 |
| Return on Equity (ROE) | 7.3808% | 3,458 |
| Retained earnings to average equity (ytd only) | 4.2665% | 3,361 |
| Net charge-offs to loans | 1.1760% | 145 |
| Credit loss provision to net charge-offs | 53.1915% | 2,875 |
| Earnings coverage of net charge-offs (x) | 2.2836% | 3,486 |
| Efficiency ratio | 64.3016% | 3,486 |
| Assets per employee ($millions) | 5.2957% | 2,123 |
| Cash dividends to net income (ytd only)* | 42.1944% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,761 |
| Loan loss allowance to noncurrent loans | 39.0501% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 1,654 |
| Noncurrent loans to loans | 2.1739% | 752 |
| Net loans and leases to total assets | 46.6307% | 4,902 |
| Net loans and leases to deposits | 59.7635% | 4,650 |
| Net loans and leases to core deposits | 60.3267% | 4,799 |
| Total domestic deposits to total assets | 78.0254% | 4,720 |
| Equity capital to assets | 11.9126% | 2,022 |
| Core capital (leverage) ratio | 11.6727% | 1,904 |
| Tier 1 risk-based capital ratio | 21.0031% | 1,196 |
| Total risk-based capital ratio | 21.7251% | 1,254 |
| Memoranda: | ||
| Average total assets | $36,441,750 | 5,447 |
| Average earning assets | $34,894,750 | 5,412 |
| Average equity | $4,281,250 | 5,438 |
| Average total loans | $15,986,000 | 5,483 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 4,811 |
| Cost of funding earning assets | 0.3406% | 3,682 |
| Net interest margin | 3.1402% | 4,574 |
| Noninterest income to average assets | 0.2705% | 4,610 |
| Noninterest expense to average assets | 2.0093% | 4,959 |
| Loan and lease loss provision to assets | 0.1380% | 1,497 |
| Net operating income to assets | 1.0878% | 2,042 |
| Return on assets (ROA) | 1.0985% | 2,036 |
| Pretax return on assets | 1.1371% | 3,019 |
| Return on Equity (ROE) | 9.3949% | 2,315 |
| Retained earnings to average equity (ytd only) | 7.0344% | 1,580 |
| Net charge-offs to loans | 0.2709% | 749 |
| Credit loss provision to net charge-offs | 119.0476% | 1,791 |
| Earnings coverage of net charge-offs (x) | 10.9048% | 2,311 |
| Efficiency ratio | 61.3828% | 4,104 |
| Assets per employee ($millions) | 5.2326% | 2,126 |
| Cash dividends to net income (ytd only)* | 25.1256% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,445 |
| Loan loss allowance to noncurrent loans | 45.5115% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 1,262 |
| Noncurrent loans to loans | 2.8422% | 476 |
| Net loans and leases to total assets | 45.4161% | 4,976 |
| Net loans and leases to deposits | 55.1815% | 4,898 |
| Net loans and leases to core deposits | 55.6801% | 5,010 |
| Total domestic deposits to total assets | 82.3032% | 3,806 |
| Equity capital to assets | 12.0973% | 1,866 |
| Core capital (leverage) ratio | 12.0601% | 1,598 |
| Tier 1 risk-based capital ratio | 19.2333% | 1,538 |
| Total risk-based capital ratio | 20.2050% | 1,556 |
| Memoranda: | ||
| Average total assets | $36,232,330 | 5,499 |
| Average earning assets | $34,647,670 | 5,461 |
| Average equity | $4,236,330 | 5,487 |
| Average total loans | $15,503,330 | 5,536 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 4,802 |
| Cost of funding earning assets | 0.3389% | 3,648 |
| Net interest margin | 3.1205% | 4,603 |
| Noninterest income to average assets | 0.2553% | 4,710 |
| Noninterest expense to average assets | 2.0536% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1329% | 1,734 |
| Return on assets (ROA) | 1.1544% | 1,684 |
| Pretax return on assets | 1.1878% | 2,637 |
| Return on Equity (ROE) | 10.0507% | 1,945 |
| Retained earnings to average equity (ytd only) | 5.2187% | 2,776 |
| Net charge-offs to loans | -0.0270% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7931% | 3,870 |
| Assets per employee ($millions) | 5.0140% | 2,426 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,954 |
| Loan loss allowance to noncurrent loans | 50.4695% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2137% | 1,446 |
| Noncurrent loans to loans | 2.8306% | 505 |
| Net loans and leases to total assets | 42.2674% | 5,145 |
| Net loans and leases to deposits | 48.0424% | 5,219 |
| Net loans and leases to core deposits | 48.4630% | 5,282 |
| Total domestic deposits to total assets | 87.9794% | 1,726 |
| Equity capital to assets | 11.9067% | 1,905 |
| Core capital (leverage) ratio | 11.8037% | 1,752 |
| Tier 1 risk-based capital ratio | 23.0391% | 969 |
| Total risk-based capital ratio | 24.2127% | 962 |
| Memoranda: | ||
| Average total assets | $36,034,500 | 5,567 |
| Average earning assets | $34,225,000 | 5,532 |
| Average equity | $4,139,000 | 5,557 |
| Average total loans | $14,828,500 | 5,612 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4498% | 4,888 |
| Cost of funding earning assets | 0.3752% | 3,262 |
| Net interest margin | 3.0745% | 4,791 |
| Noninterest income to average assets | 0.2086% | 5,169 |
| Noninterest expense to average assets | 2.3077% | 4,540 |
| Loan and lease loss provision to assets | 0.1337% | 1,867 |
| Net operating income to assets | 0.6601% | 3,951 |
| Return on assets (ROA) | 0.6952% | 3,911 |
| Pretax return on assets | 0.7407% | 4,372 |
| Return on Equity (ROE) | 6.0836% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.4986% | 2,015 |
| Net charge-offs to loans | 0.3355% | 821 |
| Credit loss provision to net charge-offs | 98.0392% | 2,642 |
| Earnings coverage of net charge-offs (x) | 6.1373% | 3,227 |
| Efficiency ratio | 73.3844% | 2,359 |
| Assets per employee ($millions) | 5.2816% | 2,083 |
| Cash dividends to net income (ytd only)* | 9.6154% | 4,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,790 |
| Loan loss allowance to noncurrent loans | 62.8655% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 2,050 |
| Noncurrent loans to loans | 2.3413% | 701 |
| Net loans and leases to total assets | 38.9278% | 5,364 |
| Net loans and leases to deposits | 43.8166% | 5,440 |
| Net loans and leases to core deposits | 44.1771% | 5,481 |
| Total domestic deposits to total assets | 88.8426% | 1,184 |
| Equity capital to assets | 11.0871% | 2,556 |
| Core capital (leverage) ratio | 11.5564% | 1,888 |
| Tier 1 risk-based capital ratio | 16.7195% | 2,261 |
| Total risk-based capital ratio | 17.5822% | 2,350 |
| Memoranda: | ||
| Average total assets | $37,397,000 | 5,583 |
| Average earning assets | $35,712,600 | 5,548 |
| Average equity | $4,273,800 | 5,594 |
| Average total loans | $15,202,400 | 5,662 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4729% | 4,888 |
| Cost of funding earning assets | 0.3826% | 3,204 |
| Net interest margin | 3.0904% | 4,797 |
| Noninterest income to average assets | 0.2097% | 5,211 |
| Noninterest expense to average assets | 2.1935% | 4,784 |
| Loan and lease loss provision to assets | 0.0889% | 2,451 |
| Net operating income to assets | 0.8517% | 3,142 |
| Return on assets (ROA) | 0.8994% | 3,048 |
| Pretax return on assets | 0.9350% | 3,862 |
| Return on Equity (ROE) | 7.8129% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.0409% | 1,611 |
| Net charge-offs to loans | 0.2345% | 1,003 |
| Credit loss provision to net charge-offs | 92.5926% | 2,489 |
| Earnings coverage of net charge-offs (x) | 10.1478% | 2,608 |
| Efficiency ratio | 69.2480% | 3,011 |
| Assets per employee ($millions) | 4.9560% | 2,411 |
| Cash dividends to net income (ytd only)* | 9.8808% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,456 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 2,017 |
| Noncurrent loans to loans | 2.2439% | 827 |
| Net loans and leases to total assets | 44.9902% | 5,144 |
| Net loans and leases to deposits | 54.2453% | 5,095 |
| Net loans and leases to core deposits | 54.7534% | 5,198 |
| Total domestic deposits to total assets | 82.9384% | 3,627 |
| Equity capital to assets | 12.9050% | 1,539 |
| Core capital (leverage) ratio | 11.7679% | 1,832 |
| Tier 1 risk-based capital ratio | 20.1550% | 1,417 |
| Total risk-based capital ratio | 21.1867% | 1,421 |
| Memoranda: | ||
| Average total assets | $37,503,500 | 5,641 |
| Average earning assets | $35,895,750 | 5,605 |
| Average equity | $4,317,500 | 5,649 |
| Average total loans | $15,351,250 | 5,714 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 5,046 |
| Cost of funding earning assets | 0.3758% | 3,293 |
| Net interest margin | 3.0391% | 4,994 |
| Noninterest income to average assets | 0.2185% | 5,184 |
| Noninterest expense to average assets | 2.0499% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0354% | 2,233 |
| Return on assets (ROA) | 1.0354% | 2,363 |
| Pretax return on assets | 1.0718% | 3,318 |
| Return on Equity (ROE) | 9.3332% | 2,345 |
| Retained earnings to average equity (ytd only) | 8.1607% | 1,123 |
| Net charge-offs to loans | 0.2896% | 825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.3636% | 2,426 |
| Efficiency ratio | 65.6667% | 3,734 |
| Assets per employee ($millions) | 4.6519% | 2,791 |
| Cash dividends to net income (ytd only)* | 12.5628% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 3,204 |
| Loan loss allowance to noncurrent loans | 56.3953% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 2,305 |
| Noncurrent loans to loans | 2.1760% | 871 |
| Net loans and leases to total assets | 41.9589% | 5,343 |
| Net loans and leases to deposits | 52.3116% | 5,235 |
| Net loans and leases to core deposits | 52.7837% | 5,335 |
| Total domestic deposits to total assets | 80.2096% | 4,495 |
| Equity capital to assets | 12.0220% | 2,110 |
| Core capital (leverage) ratio | 11.1397% | 2,288 |
| Tier 1 risk-based capital ratio | 20.9586% | 1,274 |
| Total risk-based capital ratio | 21.9489% | 1,292 |
| Memoranda: | ||
| Average total assets | $38,440,670 | 5,688 |
| Average earning assets | $36,721,330 | 5,648 |
| Average equity | $4,264,330 | 5,720 |
| Average total loans | $15,194,670 | 5,785 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 5,258 |
| Cost of funding earning assets | 0.3726% | 3,370 |
| Net interest margin | 2.9597% | 5,202 |
| Noninterest income to average assets | 0.1536% | 5,570 |
| Noninterest expense to average assets | 2.0382% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9525% | 2,501 |
| Return on assets (ROA) | 0.9525% | 2,618 |
| Pretax return on assets | 0.9628% | 3,611 |
| Return on Equity (ROE) | 8.9434% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.5392% | 2,117 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9181% | 3,475 |
| Assets per employee ($millions) | 4.5203% | 3,032 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,343 |
| Loan loss allowance to noncurrent loans | 49.7696% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 1,820 |
| Noncurrent loans to loans | 2.8480% | 594 |
| Net loans and leases to total assets | 41.5436% | 5,373 |
| Net loans and leases to deposits | 48.1862% | 5,412 |
| Net loans and leases to core deposits | 48.6008% | 5,491 |
| Total domestic deposits to total assets | 86.2148% | 2,584 |
| Equity capital to assets | 11.7527% | 2,199 |
| Core capital (leverage) ratio | 10.7181% | 2,703 |
| Tier 1 risk-based capital ratio | 19.3218% | 1,653 |
| Total risk-based capital ratio | 20.3652% | 1,669 |
| Memoranda: | ||
| Average total assets | $39,053,500 | 5,730 |
| Average earning assets | $37,571,500 | 5,694 |
| Average equity | $4,159,500 | 5,778 |
| Average total loans | $14,887,500 | 5,851 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2332% | 5,466 |
| Cost of funding earning assets | 0.3783% | 3,388 |
| Net interest margin | 2.8549% | 5,412 |
| Noninterest income to average assets | 0.1790% | 5,513 |
| Noninterest expense to average assets | 2.2231% | 4,998 |
| Loan and lease loss provision to assets | 0.1946% | 1,128 |
| Net operating income to assets | 0.5165% | 4,632 |
| Return on assets (ROA) | 0.5422% | 4,627 |
| Pretax return on assets | 0.5474% | 4,997 |
| Return on Equity (ROE) | 5.2706% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.0097% | 3,170 |
| Net charge-offs to loans | 0.1972% | 1,482 |
| Credit loss provision to net charge-offs | 267.8571% | 1,080 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 2,768 |
| Efficiency ratio | 75.6399% | 2,332 |
| Assets per employee ($millions) | 5.2431% | 2,068 |
| Cash dividends to net income (ytd only)* | 23.9234% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 2,080 |
| Loan loss allowance to noncurrent loans | 62.9738% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 2,629 |
| Noncurrent loans to loans | 2.3597% | 807 |
| Net loans and leases to total assets | 34.1399% | 5,769 |
| Net loans and leases to deposits | 38.3431% | 5,828 |
| Net loans and leases to core deposits | 38.6182% | 5,861 |
| Total domestic deposits to total assets | 89.0380% | 1,102 |
| Equity capital to assets | 9.7008% | 4,305 |
| Core capital (leverage) ratio | 10.1673% | 3,300 |
| Tier 1 risk-based capital ratio | 19.5012% | 1,586 |
| Total risk-based capital ratio | 20.5722% | 1,590 |
| Memoranda: | ||
| Average total assets | $38,549,000 | 5,796 |
| Average earning assets | $37,269,800 | 5,743 |
| Average equity | $3,965,400 | 5,854 |
| Average total loans | $14,195,600 | 5,918 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 5,466 |
| Cost of funding earning assets | 0.3865% | 3,372 |
| Net interest margin | 2.8809% | 5,447 |
| Noninterest income to average assets | 0.1910% | 5,513 |
| Noninterest expense to average assets | 2.0760% | 5,328 |
| Loan and lease loss provision to assets | 0.1768% | 1,194 |
| Net operating income to assets | 0.7254% | 3,786 |
| Return on assets (ROA) | 0.7604% | 3,730 |
| Pretax return on assets | 0.7675% | 4,436 |
| Return on Equity (ROE) | 7.2766% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.5842% | 2,533 |
| Net charge-offs to loans | 0.2646% | 1,000 |
| Credit loss provision to net charge-offs | 178.5714% | 1,475 |
| Earnings coverage of net charge-offs (x) | 9.1792% | 2,726 |
| Efficiency ratio | 69.5498% | 3,280 |
| Assets per employee ($millions) | 4.5604% | 2,902 |
| Cash dividends to net income (ytd only)* | 23.2575% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 3,234 |
| Loan loss allowance to noncurrent loans | 90.4762% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 3,557 |
| Noncurrent loans to loans | 1.4085% | 1,802 |
| Net loans and leases to total assets | 40.3448% | 5,573 |
| Net loans and leases to deposits | 48.0856% | 5,559 |
| Net loans and leases to core deposits | 48.5055% | 5,633 |
| Total domestic deposits to total assets | 83.9021% | 3,469 |
| Equity capital to assets | 11.0517% | 2,961 |
| Core capital (leverage) ratio | 10.7894% | 2,729 |
| Tier 1 risk-based capital ratio | 20.8014% | 1,384 |
| Total risk-based capital ratio | 21.8058% | 1,391 |
| Memoranda: | ||
| Average total assets | $37,700,000 | 5,886 |
| Average earning assets | $36,562,000 | 5,834 |
| Average equity | $3,939,500 | 5,942 |
| Average total loans | $14,110,500 | 5,998 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2094% | 5,607 |
| Cost of funding earning assets | 0.3890% | 3,378 |
| Net interest margin | 2.8204% | 5,573 |
| Noninterest income to average assets | 0.1785% | 5,629 |
| Noninterest expense to average assets | 2.0679% | 5,401 |
| Loan and lease loss provision to assets | 0.2624% | 645 |
| Net operating income to assets | 0.5776% | 4,436 |
| Return on assets (ROA) | 0.5878% | 4,499 |
| Pretax return on assets | 0.5983% | 4,977 |
| Return on Equity (ROE) | 5.7308% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.1724% | 4,038 |
| Net charge-offs to loans | 0.4045% | 644 |
| Credit loss provision to net charge-offs | 178.5714% | 1,352 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 2,886 |
| Efficiency ratio | 70.8633% | 3,187 |
| Assets per employee ($millions) | 4.5494% | 2,902 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 3,047 |
| Loan loss allowance to noncurrent loans | 162.3932% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 4,596 |
| Noncurrent loans to loans | 0.8224% | 3,067 |
| Net loans and leases to total assets | 38.5657% | 5,710 |
| Net loans and leases to deposits | 43.8913% | 5,773 |
| Net loans and leases to core deposits | 44.2567% | 5,829 |
| Total domestic deposits to total assets | 87.8665% | 1,719 |
| Equity capital to assets | 10.6773% | 3,243 |
| Core capital (leverage) ratio | 10.2029% | 3,334 |
| Tier 1 risk-based capital ratio | 20.6567% | 1,427 |
| Total risk-based capital ratio | 21.6812% | 1,436 |
| Memoranda: | ||
| Average total assets | $38,105,670 | 5,942 |
| Average earning assets | $37,016,670 | 5,886 |
| Average equity | $3,908,670 | 6,006 |
| Average total loans | $13,844,330 | 6,068 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1374% | 5,742 |
| Cost of funding earning assets | 0.3803% | 3,524 |
| Net interest margin | 2.7571% | 5,725 |
| Noninterest income to average assets | 0.1437% | 5,888 |
| Noninterest expense to average assets | 2.0123% | 5,558 |
| Loan and lease loss provision to assets | 0.5133% | 196 |
| Net operating income to assets | 0.2784% | 5,482 |
| Return on assets (ROA) | 0.2977% | 5,527 |
| Pretax return on assets | 0.3183% | 5,611 |
| Return on Equity (ROE) | 2.9592% | 5,394 |
| Retained earnings to average equity (ytd only) | -2.1429% | 5,702 |
| Net charge-offs to loans | 0.7324% | 323 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 3.1600% | 2,645 |
| Efficiency ratio | 71.2727% | 3,288 |
| Assets per employee ($millions) | 4.5209% | 3,019 |
| Cash dividends to net income (ytd only)* | 172.4138% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,984 |
| Loan loss allowance to noncurrent loans | 56.4327% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 2,733 |
| Noncurrent loans to loans | 2.4555% | 993 |
| Net loans and leases to total assets | 37.9766% | 5,723 |
| Net loans and leases to deposits | 43.3623% | 5,783 |
| Net loans and leases to core deposits | 43.7267% | 5,849 |
| Total domestic deposits to total assets | 87.5798% | 2,056 |
| Equity capital to assets | 10.9105% | 3,077 |
| Core capital (leverage) ratio | 10.0448% | 3,541 |
| Tier 1 risk-based capital ratio | 21.0728% | 1,405 |
| Total risk-based capital ratio | 22.1579% | 1,416 |
| Memoranda: | ||
| Average total assets | $38,961,000 | 5,984 |
| Average earning assets | $37,866,000 | 5,928 |
| Average equity | $3,920,000 | 6,063 |
| Average total loans | $13,653,500 | 6,130 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,538 |
| Cost of funding earning assets | 0.3884% | 3,812 |
| Net interest margin | 3.0082% | 5,433 |
| Noninterest income to average assets | 0.1806% | 5,773 |
| Noninterest expense to average assets | 2.3316% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7150% | 3,816 |
| Return on assets (ROA) | 0.7800% | 3,560 |
| Pretax return on assets | 0.8210% | 4,189 |
| Return on Equity (ROE) | 7.8917% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.8917% | 1,057 |
| Net charge-offs to loans | 0.0227% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 91.6667% | 568 |
| Efficiency ratio | 75.5989% | 2,575 |
| Assets per employee ($millions) | 5.2194% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 3,692 |
| Loan loss allowance to noncurrent loans | 173.1959% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,094 |
| Noncurrent loans to loans | 0.7250% | 3,511 |
| Net loans and leases to total assets | 31.6393% | 6,126 |
| Net loans and leases to deposits | 35.3898% | 6,186 |
| Net loans and leases to core deposits | 35.6409% | 6,204 |
| Total domestic deposits to total assets | 89.4025% | 1,015 |
| Equity capital to assets | 9.3258% | 4,936 |
| Core capital (leverage) ratio | 9.7716% | 3,872 |
| Tier 1 risk-based capital ratio | 21.2242% | 1,354 |
| Total risk-based capital ratio | 22.1703% | 1,393 |
| Memoranda: | ||
| Average total assets | $36,540,800 | 6,116 |
| Average earning assets | $35,270,400 | 6,055 |
| Average equity | $3,611,400 | 6,160 |
| Average total loans | $13,238,200 | 6,221 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 5,378 |
| Cost of funding earning assets | 0.3999% | 3,785 |
| Net interest margin | 3.1091% | 5,230 |
| Noninterest income to average assets | 0.2195% | 5,620 |
| Noninterest expense to average assets | 2.1908% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9913% | 2,489 |
| Return on assets (ROA) | 1.0822% | 2,172 |
| Pretax return on assets | 1.1238% | 3,096 |
| Return on Equity (ROE) | 10.7695% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.7695% | 550 |
| Net charge-offs to loans | 0.0303% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 90.6650% | 635 |
| Efficiency ratio | 68.0376% | 3,844 |
| Assets per employee ($millions) | 4.9167% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,149 |
| Loan loss allowance to noncurrent loans | 336.0000% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 5,609 |
| Noncurrent loans to loans | 0.3615% | 4,824 |
| Net loans and leases to total assets | 39.6955% | 5,834 |
| Net loans and leases to deposits | 45.4038% | 5,907 |
| Net loans and leases to core deposits | 45.8026% | 5,962 |
| Total domestic deposits to total assets | 87.4277% | 2,076 |
| Equity capital to assets | 11.0352% | 2,919 |
| Core capital (leverage) ratio | 10.9376% | 2,548 |
| Tier 1 risk-based capital ratio | 21.3267% | 1,387 |
| Total risk-based capital ratio | 22.2776% | 1,426 |
| Memoranda: | ||
| Average total assets | $35,237,250 | 6,226 |
| Average earning assets | $34,007,250 | 6,165 |
| Average equity | $3,540,750 | 6,238 |
| Average total loans | $13,203,000 | 6,293 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 5,474 |
| Cost of funding earning assets | 0.3921% | 3,961 |
| Net interest margin | 3.0787% | 5,320 |
| Noninterest income to average assets | 0.2028% | 5,745 |
| Noninterest expense to average assets | 2.2303% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9011% | 2,793 |
| Return on assets (ROA) | 1.0363% | 2,245 |
| Pretax return on assets | 1.0757% | 3,193 |
| Return on Equity (ROE) | 10.6512% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.6512% | 589 |
| Net charge-offs to loans | 0.0770% | 2,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 33.2000% | 1,188 |
| Efficiency ratio | 70.4626% | 3,581 |
| Assets per employee ($millions) | 4.2963% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,446 |
| Loan loss allowance to noncurrent loans | 263.4921% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 5,586 |
| Noncurrent loans to loans | 0.4535% | 4,631 |
| Net loans and leases to total assets | 39.9389% | 5,820 |
| Net loans and leases to deposits | 47.0151% | 5,826 |
| Net loans and leases to core deposits | 47.4408% | 5,926 |
| Total domestic deposits to total assets | 84.9491% | 3,534 |
| Equity capital to assets | 10.7507% | 3,148 |
| Core capital (leverage) ratio | 10.4206% | 3,063 |
| Tier 1 risk-based capital ratio | 20.7880% | 1,486 |
| Total risk-based capital ratio | 21.7290% | 1,540 |
| Memoranda: | ||
| Average total assets | $35,510,670 | 6,280 |
| Average earning assets | $34,170,670 | 6,223 |
| Average equity | $3,455,000 | 6,302 |
| Average total loans | $12,994,000 | 6,357 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4292% | 5,586 |
| Cost of funding earning assets | 0.3939% | 4,048 |
| Net interest margin | 3.0353% | 5,427 |
| Noninterest income to average assets | 0.1663% | 5,983 |
| Noninterest expense to average assets | 2.2283% | 5,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8204% | 3,053 |
| Return on assets (ROA) | 0.8204% | 3,123 |
| Pretax return on assets | 0.8425% | 3,932 |
| Return on Equity (ROE) | 8.8756% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.8756% | 1,289 |
| Net charge-offs to loans | 0.1275% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,392 |
| Efficiency ratio | 72.5632% | 3,383 |
| Assets per employee ($millions) | 4.3434% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,085 |
| Loan loss allowance to noncurrent loans | 292.9825% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 5,743 |
| Noncurrent loans to loans | 0.4466% | 4,809 |
| Net loans and leases to total assets | 36.2535% | 6,057 |
| Net loans and leases to deposits | 40.9033% | 6,139 |
| Net loans and leases to core deposits | 41.2543% | 6,188 |
| Total domestic deposits to total assets | 88.6321% | 1,875 |
| Equity capital to assets | 9.8598% | 4,018 |
| Core capital (leverage) ratio | 10.1695% | 3,325 |
| Tier 1 risk-based capital ratio | 21.3134% | 1,416 |
| Total risk-based capital ratio | 22.3141% | 1,446 |
| Memoranda: | ||
| Average total assets | $36,081,000 | 6,326 |
| Average earning assets | $34,526,500 | 6,271 |
| Average equity | $3,335,000 | 6,383 |
| Average total loans | $12,544,500 | 6,435 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2331% | 6,098 |
| Cost of funding earning assets | 0.4780% | 3,838 |
| Net interest margin | 2.7551% | 6,057 |
| Noninterest income to average assets | 0.2042% | 5,861 |
| Noninterest expense to average assets | 2.2485% | 5,505 |
| Loan and lease loss provision to assets | 0.2722% | 1,296 |
| Net operating income to assets | 0.3203% | 5,455 |
| Return on assets (ROA) | 0.2994% | 5,623 |
| Pretax return on assets | 0.3130% | 5,696 |
| Return on Equity (ROE) | 3.2179% | 5,426 |
| Retained earnings to average equity (ytd only) | 0.2925% | 5,715 |
| Net charge-offs to loans | 1.6626% | 266 |
| Credit loss provision to net charge-offs | 45.8716% | 3,919 |
| Earnings coverage of net charge-offs (x) | 1.0229% | 4,732 |
| Efficiency ratio | 78.7417% | 2,354 |
| Assets per employee ($millions) | 4.6769% | 2,620 |
| Cash dividends to net income (ytd only)* | 90.9091% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 3,711 |
| Loan loss allowance to noncurrent loans | 712.5000% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 6,164 |
| Noncurrent loans to loans | 0.1947% | 5,608 |
| Net loans and leases to total assets | 32.4843% | 6,363 |
| Net loans and leases to deposits | 36.1124% | 6,422 |
| Net loans and leases to core deposits | 36.3947% | 6,459 |
| Total domestic deposits to total assets | 89.9532% | 1,099 |
| Equity capital to assets | 8.6703% | 5,405 |
| Core capital (leverage) ratio | 9.9262% | 3,673 |
| Tier 1 risk-based capital ratio | 22.1164% | 1,237 |
| Total risk-based capital ratio | 23.2019% | 1,246 |
| Memoranda: | ||
| Average total assets | $36,735,400 | 6,371 |
| Average earning assets | $35,353,200 | 6,307 |
| Average equity | $3,418,400 | 6,450 |
| Average total loans | $13,111,800 | 6,485 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2519% | 6,131 |
| Cost of funding earning assets | 0.5123% | 3,646 |
| Net interest margin | 2.7397% | 6,101 |
| Noninterest income to average assets | 0.2188% | 5,864 |
| Noninterest expense to average assets | 2.0492% | 5,928 |
| Loan and lease loss provision to assets | 0.3646% | 868 |
| Net operating income to assets | 0.4098% | 5,211 |
| Return on assets (ROA) | 0.3756% | 5,487 |
| Pretax return on assets | 0.4011% | 5,620 |
| Return on Equity (ROE) | 3.9668% | 5,236 |
| Retained earnings to average equity (ytd only) | 0.1155% | 5,904 |
| Net charge-offs to loans | 1.7532% | 240 |
| Credit loss provision to net charge-offs | 57.1429% | 3,354 |
| Earnings coverage of net charge-offs (x) | 1.2571% | 4,420 |
| Efficiency ratio | 71.8670% | 3,430 |
| Assets per employee ($millions) | 4.3245% | 3,176 |
| Cash dividends to net income (ytd only)* | 97.0873% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 2,870 |
| Loan loss allowance to noncurrent loans | 244.8276% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 5,436 |
| Noncurrent loans to loans | 0.6677% | 4,533 |
| Net loans and leases to total assets | 37.0476% | 6,221 |
| Net loans and leases to deposits | 45.2434% | 6,145 |
| Net loans and leases to core deposits | 45.6641% | 6,230 |
| Total domestic deposits to total assets | 81.8852% | 4,963 |
| Equity capital to assets | 9.2467% | 4,869 |
| Core capital (leverage) ratio | 9.9802% | 3,701 |
| Tier 1 risk-based capital ratio | 21.0698% | 1,482 |
| Total risk-based capital ratio | 22.3178% | 1,461 |
| Memoranda: | ||
| Average total assets | $36,565,500 | 6,445 |
| Average earning assets | $35,137,250 | 6,386 |
| Average equity | $3,462,000 | 6,516 |
| Average total loans | $13,308,500 | 6,546 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1558% | 6,281 |
| Cost of funding earning assets | 0.5306% | 3,597 |
| Net interest margin | 2.6252% | 6,303 |
| Noninterest income to average assets | 0.2633% | 5,574 |
| Noninterest expense to average assets | 2.0203% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7393% | 3,619 |
| Return on assets (ROA) | 0.6878% | 4,033 |
| Pretax return on assets | 0.7146% | 4,639 |
| Return on Equity (ROE) | 7.2119% | 3,485 |
| Retained earnings to average equity (ytd only) | 1.5776% | 5,240 |
| Net charge-offs to loans | -0.0448% | 6,223 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4470% | 3,396 |
| Assets per employee ($millions) | 4.4373% | 2,918 |
| Cash dividends to net income (ytd only)* | 78.1250% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1926% | 1,436 |
| Loan loss allowance to noncurrent loans | 64.3805% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 3,087 |
| Noncurrent loans to loans | 3.4057% | 1,252 |
| Net loans and leases to total assets | 36.5683% | 6,262 |
| Net loans and leases to deposits | 42.4980% | 6,301 |
| Net loans and leases to core deposits | 42.8642% | 6,371 |
| Total domestic deposits to total assets | 86.0471% | 3,340 |
| Equity capital to assets | 9.3864% | 4,741 |
| Core capital (leverage) ratio | 9.6340% | 4,031 |
| Tier 1 risk-based capital ratio | 21.0729% | 1,472 |
| Total risk-based capital ratio | 22.3298% | 1,444 |
| Memoranda: | ||
| Average total assets | $37,222,000 | 6,476 |
| Average earning assets | $35,807,000 | 6,411 |
| Average equity | $3,549,670 | 6,551 |
| Average total loans | $13,401,330 | 6,584 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1958% | 6,298 |
| Cost of funding earning assets | 0.5582% | 3,492 |
| Net interest margin | 2.6376% | 6,316 |
| Noninterest income to average assets | 0.1575% | 6,319 |
| Noninterest expense to average assets | 2.0376% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6386% | 4,028 |
| Return on assets (ROA) | 0.5357% | 4,660 |
| Pretax return on assets | 0.5462% | 5,128 |
| Return on Equity (ROE) | 5.5761% | 4,277 |
| Retained earnings to average equity (ytd only) | -5.3574% | 6,391 |
| Net charge-offs to loans | -0.0297% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7813% | 2,959 |
| Assets per employee ($millions) | 4.5523% | 2,883 |
| Cash dividends to net income (ytd only)* | 196.0784% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1747% | 1,637 |
| Loan loss allowance to noncurrent loans | 43.2191% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.9166% | 2,454 |
| Noncurrent loans to loans | 5.0319% | 754 |
| Net loans and leases to total assets | 35.8202% | 6,306 |
| Net loans and leases to deposits | 40.4396% | 6,401 |
| Net loans and leases to core deposits | 40.7669% | 6,451 |
| Total domestic deposits to total assets | 88.5771% | 1,953 |
| Equity capital to assets | 9.9292% | 4,242 |
| Core capital (leverage) ratio | 9.3289% | 4,357 |
| Tier 1 risk-based capital ratio | 20.3177% | 1,694 |
| Total risk-based capital ratio | 21.5742% | 1,666 |
| Memoranda: | ||
| Average total assets | $38,084,000 | 6,517 |
| Average earning assets | $36,548,500 | 6,445 |
| Average equity | $3,658,500 | 6,598 |
| Average total loans | $13,466,000 | 6,642 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 5,930 |
| Cost of funding earning assets | 0.6882% | 3,585 |
| Net interest margin | 3.0695% | 5,886 |
| Noninterest income to average assets | 0.1878% | 6,060 |
| Noninterest expense to average assets | 2.3481% | 5,569 |
| Loan and lease loss provision to assets | 0.0691% | 4,884 |
| Net operating income to assets | 0.6612% | 3,926 |
| Return on assets (ROA) | 0.8177% | 3,448 |
| Pretax return on assets | 0.8536% | 4,087 |
| Return on Equity (ROE) | 8.1917% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.8080% | 1,669 |
| Net charge-offs to loans | 0.2419% | 3,493 |
| Credit loss provision to net charge-offs | 67.5676% | 4,232 |
| Earnings coverage of net charge-offs (x) | 7.4324% | 2,604 |
| Efficiency ratio | 75.5556% | 2,818 |
| Assets per employee ($millions) | 4.9688% | 2,271 |
| Cash dividends to net income (ytd only)* | 16.8919% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 1,696 |
| Loan loss allowance to noncurrent loans | 48.1667% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 2,886 |
| Noncurrent loans to loans | 4.4127% | 978 |
| Net loans and leases to total assets | 33.4792% | 6,570 |
| Net loans and leases to deposits | 37.4852% | 6,650 |
| Net loans and leases to core deposits | 37.7607% | 6,684 |
| Total domestic deposits to total assets | 89.3132% | 1,361 |
| Equity capital to assets | 9.3107% | 5,140 |
| Core capital (leverage) ratio | 9.3966% | 4,259 |
| Tier 1 risk-based capital ratio | 20.0357% | 1,667 |
| Total risk-based capital ratio | 21.2923% | 1,639 |
| Memoranda: | ||
| Average total assets | $36,199,200 | 6,603 |
| Average earning assets | $34,436,000 | 6,545 |
| Average equity | $3,613,400 | 6,663 |
| Average total loans | $15,292,600 | 6,639 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 5,690 |
| Cost of funding earning assets | 0.7352% | 3,477 |
| Net interest margin | 3.2029% | 5,694 |
| Noninterest income to average assets | 0.1888% | 6,163 |
| Noninterest expense to average assets | 2.1749% | 6,002 |
| Loan and lease loss provision to assets | 0.0944% | 4,404 |
| Net operating income to assets | 0.9264% | 2,846 |
| Return on assets (ROA) | 1.1403% | 2,142 |
| Pretax return on assets | 1.1856% | 3,039 |
| Return on Equity (ROE) | 11.2115% | 1,887 |
| Retained earnings to average equity (ytd only) | 9.3551% | 1,105 |
| Net charge-offs to loans | 0.2460% | 3,249 |
| Credit loss provision to net charge-offs | 86.2069% | 3,427 |
| Earnings coverage of net charge-offs (x) | 9.6540% | 2,292 |
| Efficiency ratio | 67.2897% | 4,212 |
| Assets per employee ($millions) | 3.7924% | 4,318 |
| Cash dividends to net income (ytd only)* | 16.5574% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9897% | 2,196 |
| Loan loss allowance to noncurrent loans | 45.0000% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.1270% | 2,519 |
| Noncurrent loans to loans | 4.4215% | 1,076 |
| Net loans and leases to total assets | 42.8630% | 6,054 |
| Net loans and leases to deposits | 49.1335% | 6,180 |
| Net loans and leases to core deposits | 49.5613% | 6,304 |
| Total domestic deposits to total assets | 87.2378% | 2,536 |
| Equity capital to assets | 11.1332% | 3,116 |
| Core capital (leverage) ratio | 10.0860% | 3,422 |
| Tier 1 risk-based capital ratio | 19.7359% | 1,821 |
| Total risk-based capital ratio | 20.9885% | 1,794 |
| Memoranda: | ||
| Average total assets | $35,311,500 | 6,710 |
| Average earning assets | $33,552,000 | 6,652 |
| Average equity | $3,591,500 | 6,745 |
| Average total loans | $15,716,500 | 6,701 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 5,614 |
| Cost of funding earning assets | 0.7676% | 3,456 |
| Net interest margin | 3.2416% | 5,615 |
| Noninterest income to average assets | 0.2017% | 6,112 |
| Noninterest expense to average assets | 2.1790% | 6,060 |
| Loan and lease loss provision to assets | 0.1400% | 3,767 |
| Net operating income to assets | 0.9231% | 2,790 |
| Return on assets (ROA) | 1.1651% | 2,032 |
| Pretax return on assets | 1.2099% | 2,877 |
| Return on Equity (ROE) | 11.8115% | 1,725 |
| Retained earnings to average equity (ytd only) | 8.9722% | 1,289 |
| Net charge-offs to loans | 0.2879% | 2,881 |
| Credit loss provision to net charge-offs | 108.6957% | 2,506 |
| Earnings coverage of net charge-offs (x) | 8.5217% | 2,281 |
| Efficiency ratio | 66.4957% | 4,428 |
| Assets per employee ($millions) | 4.4779% | 2,944 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8917% | 2,586 |
| Loan loss allowance to noncurrent loans | 37.2694% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 2.4537% | 2,272 |
| Noncurrent loans to loans | 5.0759% | 955 |
| Net loans and leases to total assets | 43.8657% | 6,025 |
| Net loans and leases to deposits | 51.1890% | 6,089 |
| Net loans and leases to core deposits | 51.6212% | 6,263 |
| Total domestic deposits to total assets | 85.6935% | 3,508 |
| Equity capital to assets | 9.9685% | 4,382 |
| Core capital (leverage) ratio | 9.5581% | 4,066 |
| Tier 1 risk-based capital ratio | 17.4484% | 2,488 |
| Total risk-based capital ratio | 18.7046% | 2,454 |
| Memoranda: | ||
| Average total assets | $35,704,670 | 6,749 |
| Average earning assets | $33,872,330 | 6,691 |
| Average equity | $3,522,000 | 6,804 |
| Average total loans | $15,979,670 | 6,733 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 6,418 |
| Cost of funding earning assets | 0.7658% | 3,738 |
| Net interest margin | 2.9456% | 6,400 |
| Noninterest income to average assets | 0.1571% | 6,446 |
| Noninterest expense to average assets | 2.1994% | 6,046 |
| Loan and lease loss provision to assets | 0.2805% | 2,218 |
| Net operating income to assets | 0.4614% | 4,989 |
| Return on assets (ROA) | 0.7631% | 3,793 |
| Pretax return on assets | 0.7967% | 4,424 |
| Return on Equity (ROE) | 7.7770% | 3,374 |
| Retained earnings to average equity (ytd only) | 2.0586% | 5,239 |
| Net charge-offs to loans | 0.6265% | 1,543 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.7200% | 3,092 |
| Efficiency ratio | 74.2424% | 3,063 |
| Assets per employee ($millions) | 4.3968% | 3,199 |
| Cash dividends to net income (ytd only)* | 73.5294% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 2,724 |
| Loan loss allowance to noncurrent loans | 187.5776% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1798% | 4,157 |
| Noncurrent loans to loans | 1.0055% | 4,665 |
| Net loans and leases to total assets | 44.6637% | 5,936 |
| Net loans and leases to deposits | 52.9848% | 5,903 |
| Net loans and leases to core deposits | 53.4463% | 6,101 |
| Total domestic deposits to total assets | 84.2952% | 4,368 |
| Equity capital to assets | 10.0017% | 4,121 |
| Core capital (leverage) ratio | 9.1367% | 4,625 |
| Tier 1 risk-based capital ratio | 16.4849% | 2,913 |
| Total risk-based capital ratio | 17.7330% | 2,886 |
| Memoranda: | ||
| Average total assets | $35,645,500 | 6,808 |
| Average earning assets | $33,949,500 | 6,742 |
| Average equity | $3,497,500 | 6,852 |
| Average total loans | $15,961,000 | 6,800 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 3,475 |
| Cost of funding earning assets | 0.9724% | 3,562 |
| Net interest margin | 3.9023% | 3,329 |
| Noninterest income to average assets | 0.2148% | 5,987 |
| Noninterest expense to average assets | 2.5152% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3250% | 1,187 |
| Return on assets (ROA) | 1.4023% | 1,111 |
| Pretax return on assets | 1.4679% | 1,565 |
| Return on Equity (ROE) | 14.9406% | 749 |
| Retained earnings to average equity (ytd only) | 14.9406% | 136 |
| Net charge-offs to loans | -0.1035% | 7,142 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4495% | 5,048 |
| Assets per employee ($millions) | 4.5146% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 2,592 |
| Loan loss allowance to noncurrent loans | 228.0303% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 4,445 |
| Noncurrent loans to loans | 0.8297% | 5,029 |
| Net loans and leases to total assets | 43.2179% | 6,272 |
| Net loans and leases to deposits | 50.2382% | 6,350 |
| Net loans and leases to core deposits | 50.6555% | 6,497 |
| Total domestic deposits to total assets | 86.0260% | 3,310 |
| Equity capital to assets | 9.6270% | 4,708 |
| Core capital (leverage) ratio | 9.2976% | 4,332 |
| Tier 1 risk-based capital ratio | 16.6358% | 2,762 |
| Total risk-based capital ratio | 17.8873% | 2,724 |
| Memoranda: | ||
| Average total assets | $33,516,400 | 6,872 |
| Average earning assets | $31,673,800 | 6,817 |
| Average equity | $3,145,800 | 6,981 |
| Average total loans | $16,429,400 | 6,826 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 3,150 |
| Cost of funding earning assets | 1.0363% | 3,419 |
| Net interest margin | 3.9516% | 3,150 |
| Noninterest income to average assets | 0.2272% | 5,988 |
| Noninterest expense to average assets | 2.3772% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5177% | 899 |
| Return on assets (ROA) | 1.5294% | 957 |
| Pretax return on assets | 1.5902% | 1,412 |
| Return on Equity (ROE) | 16.4104% | 623 |
| Retained earnings to average equity (ytd only) | 16.4104% | 163 |
| Net charge-offs to loans | -0.1288% | 7,202 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1026% | 5,700 |
| Assets per employee ($millions) | 4.0603% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,751 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 4,451 |
| Noncurrent loans to loans | 0.7437% | 5,392 |
| Net loans and leases to total assets | 48.7532% | 5,867 |
| Net loans and leases to deposits | 57.5771% | 5,881 |
| Net loans and leases to core deposits | 58.1138% | 6,117 |
| Total domestic deposits to total assets | 84.6746% | 3,929 |
| Equity capital to assets | 10.5289% | 3,669 |
| Core capital (leverage) ratio | 9.6928% | 3,862 |
| Tier 1 risk-based capital ratio | 16.4042% | 2,909 |
| Total risk-based capital ratio | 17.6597% | 2,875 |
| Memoranda: | ||
| Average total assets | $32,866,250 | 6,957 |
| Average earning assets | $31,007,500 | 6,904 |
| Average equity | $3,063,000 | 7,054 |
| Average total loans | $16,559,250 | 6,887 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 3,197 |
| Cost of funding earning assets | 1.1270% | 3,059 |
| Net interest margin | 3.8640% | 3,472 |
| Noninterest income to average assets | 0.2303% | 6,008 |
| Noninterest expense to average assets | 2.4489% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3705% | 1,146 |
| Return on assets (ROA) | 1.3881% | 1,175 |
| Pretax return on assets | 1.4366% | 1,703 |
| Return on Equity (ROE) | 15.5571% | 711 |
| Retained earnings to average equity (ytd only) | 15.5571% | 219 |
| Net charge-offs to loans | -0.2036% | 7,288 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3229% | 5,360 |
| Assets per employee ($millions) | 4.0643% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 2,874 |
| Loan loss allowance to noncurrent loans | 283.9623% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 4,642 |
| Noncurrent loans to loans | 0.6460% | 5,630 |
| Net loans and leases to total assets | 49.5387% | 5,881 |
| Net loans and leases to deposits | 60.9721% | 5,617 |
| Net loans and leases to core deposits | 61.5640% | 5,935 |
| Total domestic deposits to total assets | 81.2481% | 5,448 |
| Equity capital to assets | 9.8511% | 4,328 |
| Core capital (leverage) ratio | 8.9967% | 4,728 |
| Tier 1 risk-based capital ratio | 15.2496% | 3,374 |
| Total risk-based capital ratio | 16.5051% | 3,330 |
| Memoranda: | ||
| Average total assets | $32,994,330 | 7,019 |
| Average earning assets | $31,056,000 | 6,965 |
| Average equity | $2,944,000 | 7,143 |
| Average total loans | $16,700,330 | 6,951 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 3,503 |
| Cost of funding earning assets | 1.1454% | 3,190 |
| Net interest margin | 3.7707% | 3,756 |
| Noninterest income to average assets | 0.1805% | 6,429 |
| Noninterest expense to average assets | 2.7562% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9508% | 2,354 |
| Return on assets (ROA) | 0.9508% | 2,420 |
| Pretax return on assets | 0.9508% | 3,315 |
| Return on Equity (ROE) | 11.2276% | 1,664 |
| Retained earnings to average equity (ytd only) | 11.2276% | 854 |
| Net charge-offs to loans | 0.0950% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,124 |
| Efficiency ratio | 74.3506% | 3,456 |
| Assets per employee ($millions) | 4.6634% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 3,339 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 4,619 |
| Noncurrent loans to loans | 0.7225% | 5,567 |
| Net loans and leases to total assets | 49.5987% | 5,896 |
| Net loans and leases to deposits | 60.2882% | 5,697 |
| Net loans and leases to core deposits | 60.8593% | 6,031 |
| Total domestic deposits to total assets | 82.2693% | 5,200 |
| Equity capital to assets | 8.8653% | 5,402 |
| Core capital (leverage) ratio | 8.5568% | 5,339 |
| Tier 1 risk-based capital ratio | 13.8916% | 4,145 |
| Total risk-based capital ratio | 15.1438% | 4,121 |
| Memoranda: | ||
| Average total assets | $33,234,500 | 7,062 |
| Average earning assets | $31,082,000 | 7,013 |
| Average equity | $2,814,500 | 7,220 |
| Average total loans | $16,846,500 | 7,004 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 3,883 |
| Cost of funding earning assets | 1.4154% | 3,162 |
| Net interest margin | 3.7292% | 4,230 |
| Noninterest income to average assets | 0.2526% | 5,991 |
| Noninterest expense to average assets | 2.6602% | 5,181 |
| Loan and lease loss provision to assets | 0.7173% | 2,286 |
| Net operating income to assets | 0.4927% | 4,134 |
| Return on assets (ROA) | 0.6487% | 3,595 |
| Pretax return on assets | 0.5395% | 4,503 |
| Return on Equity (ROE) | 7.4413% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.4413% | 1,162 |
| Net charge-offs to loans | 3.2065% | 491 |
| Credit loss provision to net charge-offs | 40.4930% | 6,382 |
| Earnings coverage of net charge-offs (x) | 0.6215% | 5,488 |
| Efficiency ratio | 70.7297% | 4,030 |
| Assets per employee ($millions) | 4.8321% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 3,403 |
| Loan loss allowance to noncurrent loans | 305.3763% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 4,915 |
| Noncurrent loans to loans | 0.5400% | 5,972 |
| Net loans and leases to total assets | 50.0754% | 6,162 |
| Net loans and leases to deposits | 60.0894% | 6,046 |
| Net loans and leases to core deposits | 60.6314% | 6,346 |
| Total domestic deposits to total assets | 83.3348% | 4,670 |
| Equity capital to assets | 8.0857% | 6,399 |
| Core capital (leverage) ratio | 8.2595% | 5,740 |
| Tier 1 risk-based capital ratio | 12.7043% | 4,860 |
| Total risk-based capital ratio | 13.9563% | 4,834 |
| Memoranda: | ||
| Average total assets | $32,065,000 | 7,144 |
| Average earning assets | $30,167,400 | 7,081 |
| Average equity | $2,795,200 | 7,325 |
| Average total loans | $17,714,200 | 7,043 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2278% | 3,694 |
| Cost of funding earning assets | 1.4789% | 3,094 |
| Net interest margin | 3.7489% | 4,190 |
| Noninterest income to average assets | 0.2319% | 6,233 |
| Noninterest expense to average assets | 2.6392% | 5,157 |
| Loan and lease loss provision to assets | 0.9697% | 1,544 |
| Net operating income to assets | 0.2403% | 5,388 |
| Return on assets (ROA) | 0.2403% | 5,548 |
| Pretax return on assets | 0.1391% | 5,852 |
| Return on Equity (ROE) | 2.7044% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.7044% | 4,534 |
| Net charge-offs to loans | 4.2232% | 274 |
| Credit loss provision to net charge-offs | 40.7080% | 6,005 |
| Earnings coverage of net charge-offs (x) | 0.4655% | 5,560 |
| Efficiency ratio | 70.4162% | 3,983 |
| Assets per employee ($millions) | 4.4459% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 3,405 |
| Loan loss allowance to noncurrent loans | 301.0526% | 973 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 4,839 |
| Noncurrent loans to loans | 0.5417% | 6,121 |
| Net loans and leases to total assets | 55.4384% | 5,630 |
| Net loans and leases to deposits | 68.2476% | 5,384 |
| Net loans and leases to core deposits | 68.2476% | 5,913 |
| Total domestic deposits to total assets | 81.2313% | 5,289 |
| Equity capital to assets | 9.3570% | 5,043 |
| Core capital (leverage) ratio | 8.3153% | 5,844 |
| Tier 1 risk-based capital ratio | 12.5777% | 4,917 |
| Total risk-based capital ratio | 13.8301% | 4,888 |
| Memoranda: | ||
| Average total assets | $31,625,000 | 7,238 |
| Average earning assets | $29,661,250 | 7,186 |
| Average equity | $2,810,250 | 7,416 |
| Average total loans | $17,837,250 | 7,129 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 4,214 |
| Cost of funding earning assets | 1.5403% | 3,012 |
| Net interest margin | 3.6052% | 4,787 |
| Noninterest income to average assets | 0.2328% | 6,243 |
| Noninterest expense to average assets | 2.8748% | 4,162 |
| Loan and lease loss provision to assets | 0.3145% | 3,864 |
| Net operating income to assets | 0.3900% | 4,794 |
| Return on assets (ROA) | 0.3900% | 4,956 |
| Pretax return on assets | 0.4152% | 5,176 |
| Return on Equity (ROE) | 4.4663% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.4663% | 3,224 |
| Net charge-offs to loans | 0.3903% | 3,412 |
| Credit loss provision to net charge-offs | 142.8571% | 2,780 |
| Earnings coverage of net charge-offs (x) | 3.3143% | 3,371 |
| Efficiency ratio | 79.7557% | 2,471 |
| Assets per employee ($millions) | 3.9113% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5124% | 535 |
| Loan loss allowance to noncurrent loans | 100.4732% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 2.8571% | 2,527 |
| Noncurrent loans to loans | 3.4958% | 2,265 |
| Net loans and leases to total assets | 55.9252% | 5,715 |
| Net loans and leases to deposits | 68.7178% | 5,457 |
| Net loans and leases to core deposits | 68.7178% | 5,995 |
| Total domestic deposits to total assets | 81.3838% | 5,255 |
| Equity capital to assets | 9.1627% | 5,195 |
| Core capital (leverage) ratio | 8.2667% | 5,832 |
| Tier 1 risk-based capital ratio | 12.5594% | 4,806 |
| Total risk-based capital ratio | 13.8322% | 4,762 |
| Memoranda: | ||
| Average total assets | $31,793,000 | 7,288 |
| Average earning assets | $29,735,000 | 7,237 |
| Average equity | $2,776,330 | 7,483 |
| Average total loans | $17,936,670 | 7,179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 3,902 |
| Cost of funding earning assets | 1.5420% | 3,318 |
| Net interest margin | 3.6823% | 4,343 |
| Noninterest income to average assets | 0.2247% | 6,354 |
| Noninterest expense to average assets | 2.4341% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2108% | 1,511 |
| Return on assets (ROA) | 1.2108% | 1,581 |
| Pretax return on assets | 1.2483% | 2,209 |
| Return on Equity (ROE) | 14.2073% | 1,015 |
| Retained earnings to average equity (ytd only) | 14.2073% | 485 |
| Net charge-offs to loans | 0.9867% | 1,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.2727% | 3,403 |
| Efficiency ratio | 66.1017% | 5,093 |
| Assets per employee ($millions) | 4.4769% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2809% | 645 |
| Loan loss allowance to noncurrent loans | 89.1975% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 3.2165% | 2,232 |
| Noncurrent loans to loans | 3.6783% | 2,162 |
| Net loans and leases to total assets | 54.3717% | 5,981 |
| Net loans and leases to deposits | 66.6002% | 5,758 |
| Net loans and leases to core deposits | 66.6002% | 6,239 |
| Total domestic deposits to total assets | 81.6389% | 5,220 |
| Equity capital to assets | 8.9189% | 5,390 |
| Core capital (leverage) ratio | 8.3496% | 5,640 |
| Tier 1 risk-based capital ratio | 12.5945% | 4,645 |
| Total risk-based capital ratio | 13.8634% | 4,595 |
| Memoranda: | ||
| Average total assets | $32,044,500 | 7,380 |
| Average earning assets | $30,090,000 | 7,314 |
| Average equity | $2,731,000 | 7,575 |
| Average total loans | $17,837,000 | 7,271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7049% | 3,081 |
| Cost of funding earning assets | 1.9106% | 3,407 |
| Net interest margin | 3.7943% | 3,731 |
| Noninterest income to average assets | 0.2368% | 6,403 |
| Noninterest expense to average assets | 2.4773% | 6,215 |
| Loan and lease loss provision to assets | 2.7366% | 680 |
| Net operating income to assets | -1.3539% | 6,792 |
| Return on assets (ROA) | -1.3539% | 6,794 |
| Pretax return on assets | -1.3539% | 6,627 |
| Return on Equity (ROE) | -14.4044% | 6,903 |
| Retained earnings to average equity (ytd only) | -17.8097% | 7,022 |
| Net charge-offs to loans | 2.3835% | 960 |
| Credit loss provision to net charge-offs | 194.3182% | 2,042 |
| Earnings coverage of net charge-offs (x) | 0.9818% | 5,132 |
| Efficiency ratio | 64.1791% | 5,743 |
| Assets per employee ($millions) | 4.6787% | 2,649 |
| Cash dividends to net income (ytd only)* | -23.6407% | 7,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4446% | 550 |
| Loan loss allowance to noncurrent loans | 82.3841% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 3.4045% | 1,990 |
| Noncurrent loans to loans | 4.1812% | 1,745 |
| Net loans and leases to total assets | 53.2350% | 6,280 |
| Net loans and leases to deposits | 64.3500% | 6,226 |
| Net loans and leases to core deposits | 68.6769% | 6,839 |
| Total domestic deposits to total assets | 82.7272% | 4,646 |
| Equity capital to assets | 8.1433% | 6,416 |
| Core capital (leverage) ratio | 8.1081% | 5,976 |
| Tier 1 risk-based capital ratio | 11.7845% | 5,121 |
| Total risk-based capital ratio | 13.0539% | 5,074 |
| Memoranda: | ||
| Average total assets | $31,243,600 | 7,431 |
| Average earning assets | $29,834,200 | 7,366 |
| Average equity | $2,936,600 | 7,607 |
| Average total loans | $18,460,200 | 7,288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8121% | 2,833 |
| Cost of funding earning assets | 1.9840% | 3,449 |
| Net interest margin | 3.8281% | 3,536 |
| Noninterest income to average assets | 0.2505% | 6,445 |
| Noninterest expense to average assets | 2.4794% | 6,141 |
| Loan and lease loss provision to assets | 3.6932% | 351 |
| Net operating income to assets | -2.3196% | 7,416 |
| Return on assets (ROA) | -2.3196% | 7,406 |
| Pretax return on assets | -2.2548% | 7,265 |
| Return on Equity (ROE) | -23.8342% | 7,484 |
| Retained earnings to average equity (ytd only) | -28.2726% | 7,556 |
| Net charge-offs to loans | 3.0673% | 528 |
| Credit loss provision to net charge-offs | 200.2342% | 2,227 |
| Earnings coverage of net charge-offs (x) | 0.7799% | 5,273 |
| Efficiency ratio | 63.2856% | 5,875 |
| Assets per employee ($millions) | 4.2929% | 3,216 |
| Cash dividends to net income (ytd only)* | -18.6220% | 7,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4543% | 437 |
| Loan loss allowance to noncurrent loans | 81.8299% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 3.7804% | 1,713 |
| Noncurrent loans to loans | 4.2213% | 1,705 |
| Net loans and leases to total assets | 59.0616% | 5,732 |
| Net loans and leases to deposits | 74.0549% | 5,355 |
| Net loans and leases to core deposits | 80.5190% | 6,304 |
| Total domestic deposits to total assets | 79.7537% | 5,540 |
| Equity capital to assets | 8.8719% | 5,675 |
| Core capital (leverage) ratio | 7.9681% | 6,413 |
| Tier 1 risk-based capital ratio | 11.6652% | 5,280 |
| Total risk-based capital ratio | 12.9368% | 5,205 |
| Memoranda: | ||
| Average total assets | $30,866,750 | 7,512 |
| Average earning assets | $29,569,750 | 7,438 |
| Average equity | $3,004,000 | 7,660 |
| Average total loans | $18,561,000 | 7,348 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 3,432 |
| Cost of funding earning assets | 2.0450% | 3,544 |
| Net interest margin | 3.6756% | 4,060 |
| Noninterest income to average assets | 0.3276% | 5,894 |
| Noninterest expense to average assets | 2.3572% | 6,602 |
| Loan and lease loss provision to assets | 1.7663% | 945 |
| Net operating income to assets | -0.3147% | 6,340 |
| Return on assets (ROA) | -0.3147% | 6,356 |
| Pretax return on assets | -0.2633% | 6,192 |
| Return on Equity (ROE) | -3.1444% | 6,378 |
| Retained earnings to average equity (ytd only) | -9.5615% | 6,824 |
| Net charge-offs to loans | 2.0086% | 921 |
| Credit loss provision to net charge-offs | 147.0588% | 3,144 |
| Earnings coverage of net charge-offs (x) | 1.2513% | 4,594 |
| Efficiency ratio | 61.0649% | 6,388 |
| Assets per employee ($millions) | 3.8750% | 3,933 |
| Cash dividends to net income (ytd only)* | -204.0816% | 8,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 3,010 |
| Loan loss allowance to noncurrent loans | 19.9729% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 4.7645% | 1,155 |
| Noncurrent loans to loans | 7.6839% | 594 |
| Net loans and leases to total assets | 61.0548% | 5,511 |
| Net loans and leases to deposits | 77.0267% | 5,024 |
| Net loans and leases to core deposits | 84.4465% | 6,063 |
| Total domestic deposits to total assets | 79.2645% | 5,728 |
| Equity capital to assets | 9.7839% | 4,236 |
| Core capital (leverage) ratio | 9.2433% | 4,246 |
| Tier 1 risk-based capital ratio | 13.1095% | 4,064 |
| Total risk-based capital ratio | 14.2825% | 4,045 |
| Memoranda: | ||
| Average total assets | $31,139,000 | 7,560 |
| Average earning assets | $29,927,330 | 7,485 |
| Average equity | $3,116,670 | 7,693 |
| Average total loans | $18,620,330 | 7,417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4986% | 4,918 |
| Cost of funding earning assets | 2.0553% | 3,841 |
| Net interest margin | 3.4433% | 4,964 |
| Noninterest income to average assets | 0.2563% | 6,401 |
| Noninterest expense to average assets | 2.2686% | 6,636 |
| Loan and lease loss provision to assets | 1.6021% | 780 |
| Net operating income to assets | -0.3461% | 6,734 |
| Return on assets (ROA) | -0.3461% | 6,811 |
| Pretax return on assets | -0.3076% | 6,681 |
| Return on Equity (ROE) | -3.4193% | 6,828 |
| Retained earnings to average equity (ytd only) | -16.0836% | 7,495 |
| Net charge-offs to loans | 2.7512% | 478 |
| Credit loss provision to net charge-offs | 99.2063% | 3,820 |
| Earnings coverage of net charge-offs (x) | 0.8016% | 4,390 |
| Efficiency ratio | 63.6691% | 5,752 |
| Assets per employee ($millions) | 3.8606% | 3,960 |
| Cash dividends to net income (ytd only)* | -370.3704% | 8,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 5,320 |
| Loan loss allowance to noncurrent loans | 27.9673% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 2.3733% | 2,412 |
| Noncurrent loans to loans | 4.0085% | 1,500 |
| Net loans and leases to total assets | 58.5430% | 5,860 |
| Net loans and leases to deposits | 73.0664% | 5,604 |
| Net loans and leases to core deposits | 80.0398% | 6,378 |
| Total domestic deposits to total assets | 80.1230% | 5,321 |
| Equity capital to assets | 10.0696% | 3,919 |
| Core capital (leverage) ratio | 9.4413% | 4,054 |
| Tier 1 risk-based capital ratio | 14.0075% | 3,584 |
| Total risk-based capital ratio | 14.9812% | 3,651 |
| Memoranda: | ||
| Average total assets | $31,208,500 | 7,596 |
| Average earning assets | $29,971,500 | 7,518 |
| Average equity | $3,158,500 | 7,736 |
| Average total loans | $18,319,500 | 7,473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5254% | 2,839 |
| Cost of funding earning assets | 2.5312% | 4,041 |
| Net interest margin | 3.9941% | 3,147 |
| Noninterest income to average assets | 0.2285% | 6,801 |
| Noninterest expense to average assets | 2.5633% | 5,781 |
| Loan and lease loss provision to assets | 0.3809% | 3,412 |
| Net operating income to assets | 1.0039% | 2,542 |
| Return on assets (ROA) | 1.0101% | 2,396 |
| Pretax return on assets | 1.0796% | 3,101 |
| Return on Equity (ROE) | 9.8039% | 2,329 |
| Retained earnings to average equity (ytd only) | 3.3751% | 3,052 |
| Net charge-offs to loans | 0.4718% | 2,473 |
| Credit loss provision to net charge-offs | 141.9753% | 3,733 |
| Earnings coverage of net charge-offs (x) | 5.4198% | 3,653 |
| Efficiency ratio | 63.8087% | 5,603 |
| Assets per employee ($millions) | 3.5036% | 4,646 |
| Cash dividends to net income (ytd only)* | 65.5738% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,081 |
| Loan loss allowance to noncurrent loans | 37.8428% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 2,811 |
| Noncurrent loans to loans | 2.9804% | 1,799 |
| Net loans and leases to total assets | 57.5479% | 6,265 |
| Net loans and leases to deposits | 71.8284% | 6,078 |
| Net loans and leases to core deposits | 77.6167% | 6,764 |
| Total domestic deposits to total assets | 80.1186% | 4,973 |
| Equity capital to assets | 10.1706% | 3,841 |
| Core capital (leverage) ratio | 10.2616% | 3,206 |
| Tier 1 risk-based capital ratio | 14.5039% | 3,296 |
| Total risk-based capital ratio | 15.4828% | 3,351 |
| Memoranda: | ||
| Average total assets | $30,195,600 | 7,640 |
| Average earning assets | $28,642,000 | 7,582 |
| Average equity | $3,111,000 | 7,802 |
| Average total loans | $17,168,600 | 7,511 |