Home > The Union Banking Company > Performance and Condition Ratios
The Union Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,245 |
| Cost of funding earning assets | 1.4350% | 2,128 |
| Net interest margin | 2.3025% | 4,260 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.4704% | 4,344 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7724% | 2,974 |
| Return on assets (ROA) | 0.7724% | 2,946 |
| Pretax return on assets | 0.7724% | 3,276 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.2444% | 437 |
| Credit loss provision to net charge-offs | 147.0588% | 1,490 |
| Earnings coverage of net charge-offs (x) | 26.4706% | 1,707 |
| Efficiency ratio | 64.2573% | 2,575 |
| Assets per employee ($millions) | 5.9730% | 2,847 |
| Cash dividends to net income (ytd only)* | 79.5294% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,442 |
| Loan loss allowance to noncurrent loans | 101.4706% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 2,696 |
| Noncurrent loans to loans | 0.9605% | 768 |
| Net loans and leases to total assets | 13.0400% | 4,437 |
| Net loans and leases to deposits | 16.2710% | 4,436 |
| Net loans and leases to core deposits | 19.9863% | 4,454 |
| Total domestic deposits to total assets | 80.1600% | 3,434 |
| Equity capital to assets | 0.8743% | 4,579 |
| Core capital (leverage) ratio | 10.4112% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1917% | 178 |
| Memoranda: | ||
| Average total assets | $55,020,200 | 4,261 |
| Average earning assets | $51,986,000 | 4,228 |
| Average equity | $-39,400 | 4,582 |
| Average total loans | $6,955,600 | 4,442 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,186 |
| Cost of funding earning assets | 1.3576% | 1,986 |
| Net interest margin | 2.3682% | 4,266 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.4529% | 4,350 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8409% | 2,893 |
| Return on assets (ROA) | 0.8409% | 2,877 |
| Pretax return on assets | 0.8409% | 3,241 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8462% | 2,739 |
| Assets per employee ($millions) | 5.8008% | 2,926 |
| Cash dividends to net income (ytd only)* | 74.4986% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,492 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,117 |
| Noncurrent loans to loans | 1.6660% | 411 |
| Net loans and leases to total assets | 13.5200% | 4,465 |
| Net loans and leases to deposits | 16.1689% | 4,467 |
| Net loans and leases to core deposits | 19.7986% | 4,444 |
| Total domestic deposits to total assets | 83.6200% | 2,875 |
| Equity capital to assets | -3.1145% | 4,633 |
| Core capital (leverage) ratio | 10.3136% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1463% | 182 |
| Memoranda: | ||
| Average total assets | $55,336,000 | 4,274 |
| Average earning assets | $52,247,500 | 4,243 |
| Average equity | $-166,750 | 4,609 |
| Average total loans | $6,924,500 | 4,465 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 4,158 |
| Cost of funding earning assets | 1.2940% | 1,726 |
| Net interest margin | 2.3887% | 4,309 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.4083% | 4,411 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9223% | 2,681 |
| Return on assets (ROA) | 0.9223% | 2,665 |
| Pretax return on assets | 0.9223% | 3,118 |
| Return on Equity (ROE) | 162.6700% | 13 |
| Retained earnings to average equity (ytd only) | 65.0678% | 18 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.6096% | 3,005 |
| Assets per employee ($millions) | 6.2399% | 2,514 |
| Cash dividends to net income (ytd only)* | 60.0000% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,307 |
| Loan loss allowance to noncurrent loans | 57.8512% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 2,119 |
| Noncurrent loans to loans | 1.7747% | 343 |
| Net loans and leases to total assets | 12.0200% | 4,500 |
| Net loans and leases to deposits | 14.7111% | 4,498 |
| Net loans and leases to core deposits | 17.8207% | 4,478 |
| Total domestic deposits to total assets | 81.6800% | 3,295 |
| Equity capital to assets | 0.2867% | 4,633 |
| Core capital (leverage) ratio | 9.9348% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5800% | 180 |
| Memoranda: | ||
| Average total assets | $56,379,000 | 4,288 |
| Average earning assets | $53,167,667 | 4,254 |
| Average equity | $319,667 | 4,590 |
| Average total loans | $6,851,667 | 4,496 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 4,179 |
| Cost of funding earning assets | 1.2130% | 1,423 |
| Net interest margin | 2.3656% | 4,409 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.4374% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8993% | 2,854 |
| Return on assets (ROA) | 0.8993% | 2,812 |
| Pretax return on assets | 0.8993% | 3,237 |
| Return on Equity (ROE) | 127.3200% | 14 |
| Retained earnings to average equity (ytd only) | 49.1228% | 40 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.5152% | 2,752 |
| Assets per employee ($millions) | 6.6748% | 2,216 |
| Cash dividends to net income (ytd only)* | 61.4173% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 3,871 |
| Loan loss allowance to noncurrent loans | 51.2605% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,151 |
| Noncurrent loans to loans | 1.7441% | 354 |
| Net loans and leases to total assets | 11.2600% | 4,570 |
| Net loans and leases to deposits | 14.3190% | 4,567 |
| Net loans and leases to core deposits | 17.2412% | 4,544 |
| Total domestic deposits to total assets | 78.6100% | 3,933 |
| Equity capital to assets | 1.2318% | 4,651 |
| Core capital (leverage) ratio | 10.1355% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7434% | 206 |
| Memoranda: | ||
| Average total assets | $56,489,000 | 4,344 |
| Average earning assets | $53,093,500 | 4,315 |
| Average equity | $399,000 | 4,661 |
| Average total loans | $6,868,500 | 4,566 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1134% | 3,970 |
| Cost of funding earning assets | 0.6518% | 710 |
| Net interest margin | 2.4616% | 4,315 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.5136% | 4,409 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8606% | 3,112 |
| Return on assets (ROA) | 0.8624% | 3,037 |
| Pretax return on assets | 0.8624% | 3,453 |
| Return on Equity (ROE) | 22.2300% | 328 |
| Retained earnings to average equity (ytd only) | 6.7704% | 2,332 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.3259% | 2,587 |
| Assets per employee ($millions) | 5.8783% | 2,875 |
| Cash dividends to net income (ytd only)* | 69.5473% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 3,835 |
| Loan loss allowance to noncurrent loans | 76.2500% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 2,483 |
| Noncurrent loans to loans | 1.1571% | 609 |
| Net loans and leases to total assets | 12.9500% | 4,595 |
| Net loans and leases to deposits | 15.3969% | 4,590 |
| Net loans and leases to core deposits | 18.7728% | 4,568 |
| Total domestic deposits to total assets | 84.1300% | 3,177 |
| Equity capital to assets | 0.1096% | 4,690 |
| Core capital (leverage) ratio | 11.9876% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3168% | 176 |
| Memoranda: | ||
| Average total assets | $56,354,000 | 4,377 |
| Average earning assets | $52,162,200 | 4,351 |
| Average equity | $2,186,000 | 4,668 |
| Average total loans | $6,660,400 | 4,606 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0088% | 3,873 |
| Cost of funding earning assets | 0.6023% | 434 |
| Net interest margin | 2.4066% | 4,317 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.4471% | 4,476 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8692% | 3,005 |
| Return on assets (ROA) | 0.8715% | 2,969 |
| Pretax return on assets | 0.8715% | 3,413 |
| Return on Equity (ROE) | 18.3500% | 602 |
| Retained earnings to average equity (ytd only) | 5.5922% | 2,893 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9143% | 2,840 |
| Assets per employee ($millions) | 5.8834% | 2,865 |
| Cash dividends to net income (ytd only)* | 69.5187% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 3,943 |
| Loan loss allowance to noncurrent loans | 74.3902% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 2,532 |
| Noncurrent loans to loans | 1.1699% | 630 |
| Net loans and leases to total assets | 13.1200% | 4,634 |
| Net loans and leases to deposits | 15.2005% | 4,634 |
| Net loans and leases to core deposits | 18.4273% | 4,609 |
| Total domestic deposits to total assets | 86.3200% | 2,979 |
| Equity capital to assets | -1.7526% | 4,752 |
| Core capital (leverage) ratio | 11.2199% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4402% | 189 |
| Memoranda: | ||
| Average total assets | $57,216,250 | 4,402 |
| Average earning assets | $52,909,500 | 4,376 |
| Average equity | $2,718,000 | 4,672 |
| Average total loans | $6,597,000 | 4,640 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8349% | 3,929 |
| Cost of funding earning assets | 0.5721% | 342 |
| Net interest margin | 2.2627% | 4,368 |
| Noninterest income to average assets | 0.1091% | 4,446 |
| Noninterest expense to average assets | 1.3745% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8254% | 2,863 |
| Return on assets (ROA) | 0.8288% | 2,831 |
| Pretax return on assets | 0.8288% | 3,255 |
| Return on Equity (ROE) | 12.3559% | 1,564 |
| Retained earnings to average equity (ytd only) | 4.4237% | 2,912 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4806% | 2,979 |
| Assets per employee ($millions) | 6.1941% | 2,571 |
| Cash dividends to net income (ytd only)* | 64.1975% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,245 |
| Loan loss allowance to noncurrent loans | 55.9140% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 2,538 |
| Noncurrent loans to loans | 1.3529% | 572 |
| Net loans and leases to total assets | 12.2374% | 4,698 |
| Net loans and leases to deposits | 14.6849% | 4,700 |
| Net loans and leases to core deposits | 17.7416% | 4,681 |
| Total domestic deposits to total assets | 83.3336% | 3,811 |
| Equity capital to assets | 1.8225% | 4,731 |
| Core capital (leverage) ratio | 10.7096% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1078% | 161 |
| Memoranda: | ||
| Average total assets | $58,638,000 | 4,429 |
| Average earning assets | $54,182,667 | 4,422 |
| Average equity | $3,933,333 | 4,623 |
| Average total loans | $6,459,667 | 4,707 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6464% | 4,042 |
| Cost of funding earning assets | 0.5537% | 362 |
| Net interest margin | 2.0926% | 4,453 |
| Noninterest income to average assets | 0.1065% | 4,471 |
| Noninterest expense to average assets | 1.4247% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6191% | 3,334 |
| Return on assets (ROA) | 0.6191% | 3,318 |
| Pretax return on assets | 0.6191% | 3,585 |
| Return on Equity (ROE) | 6.8991% | 3,067 |
| Retained earnings to average equity (ytd only) | 1.1128% | 3,803 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7068% | 2,273 |
| Assets per employee ($millions) | 7.4800% | 1,697 |
| Cash dividends to net income (ytd only)* | 83.8710% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 4,236 |
| Loan loss allowance to noncurrent loans | 60.4651% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 2,787 |
| Noncurrent loans to loans | 1.3276% | 657 |
| Net loans and leases to total assets | 10.7386% | 4,735 |
| Net loans and leases to deposits | 13.6645% | 4,732 |
| Net loans and leases to core deposits | 16.4668% | 4,714 |
| Total domestic deposits to total assets | 78.5879% | 4,371 |
| Equity capital to assets | 6.2701% | 4,506 |
| Core capital (leverage) ratio | 10.2887% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2977% | 161 |
| Memoranda: | ||
| Average total assets | $60,083,500 | 4,438 |
| Average earning assets | $55,623,500 | 4,429 |
| Average equity | $5,392,000 | 4,529 |
| Average total loans | $6,252,500 | 4,737 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4911% | 4,485 |
| Cost of funding earning assets | 0.6232% | 486 |
| Net interest margin | 1.8679% | 4,644 |
| Noninterest income to average assets | 0.0999% | 4,605 |
| Noninterest expense to average assets | 1.1661% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6668% | 3,705 |
| Return on assets (ROA) | 0.7506% | 3,550 |
| Pretax return on assets | 0.7506% | 3,836 |
| Return on Equity (ROE) | 6.1652% | 3,736 |
| Retained earnings to average equity (ytd only) | 0.3175% | 4,410 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6204% | 2,623 |
| Assets per employee ($millions) | 6.7030% | 2,156 |
| Cash dividends to net income (ytd only)* | 94.8498% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 4,151 |
| Loan loss allowance to noncurrent loans | 59.0909% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,920 |
| Noncurrent loans to loans | 1.4601% | 628 |
| Net loans and leases to total assets | 9.9044% | 4,780 |
| Net loans and leases to deposits | 13.6653% | 4,774 |
| Net loans and leases to core deposits | 16.7269% | 4,758 |
| Total domestic deposits to total assets | 72.4783% | 4,630 |
| Equity capital to assets | 11.6565% | 1,417 |
| Core capital (leverage) ratio | 9.7860% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9677% | 158 |
| Memoranda: | ||
| Average total assets | $62,085,000 | 4,426 |
| Average earning assets | $57,605,800 | 4,418 |
| Average equity | $7,558,600 | 4,371 |
| Average total loans | $4,363,800 | 4,798 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4808% | 4,581 |
| Cost of funding earning assets | 0.6277% | 545 |
| Net interest margin | 1.8531% | 4,726 |
| Noninterest income to average assets | 0.1002% | 4,665 |
| Noninterest expense to average assets | 1.0065% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8125% | 3,490 |
| Return on assets (ROA) | 0.9084% | 3,299 |
| Pretax return on assets | 0.9084% | 3,676 |
| Return on Equity (ROE) | 7.3858% | 3,562 |
| Retained earnings to average equity (ytd only) | 1.9765% | 4,189 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3341% | 3,615 |
| Assets per employee ($millions) | 6.9984% | 1,869 |
| Cash dividends to net income (ytd only)* | 73.2394% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,697 |
| Loan loss allowance to noncurrent loans | 59.0909% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 3,180 |
| Noncurrent loans to loans | 2.1271% | 396 |
| Net loans and leases to total assets | 6.4856% | 4,866 |
| Net loans and leases to deposits | 9.3029% | 4,865 |
| Net loans and leases to core deposits | 11.3763% | 4,849 |
| Total domestic deposits to total assets | 69.7155% | 4,738 |
| Equity capital to assets | 11.9201% | 1,435 |
| Core capital (leverage) ratio | 9.8900% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8719% | 146 |
| Memoranda: | ||
| Average total assets | $62,524,500 | 4,480 |
| Average earning assets | $57,991,000 | 4,471 |
| Average equity | $7,690,250 | 4,422 |
| Average total loans | $3,948,000 | 4,872 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5045% | 4,612 |
| Cost of funding earning assets | 0.6434% | 595 |
| Net interest margin | 1.8611% | 4,769 |
| Noninterest income to average assets | 0.0962% | 4,705 |
| Noninterest expense to average assets | 1.1480% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6734% | 3,823 |
| Return on assets (ROA) | 0.8177% | 3,523 |
| Pretax return on assets | 0.8177% | 3,826 |
| Return on Equity (ROE) | 6.5798% | 3,760 |
| Retained earnings to average equity (ytd only) | 1.8836% | 4,144 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0282% | 2,568 |
| Assets per employee ($millions) | 7.0169% | 1,796 |
| Cash dividends to net income (ytd only)* | 71.3725% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 2,063 |
| Loan loss allowance to noncurrent loans | 69.3333% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 3,446 |
| Noncurrent loans to loans | 1.9878% | 498 |
| Net loans and leases to total assets | 5.8921% | 4,905 |
| Net loans and leases to deposits | 8.4982% | 4,909 |
| Net loans and leases to core deposits | 10.3988% | 4,894 |
| Total domestic deposits to total assets | 69.3343% | 4,771 |
| Equity capital to assets | 11.9838% | 1,367 |
| Core capital (leverage) ratio | 9.6449% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7711% | 139 |
| Memoranda: | ||
| Average total assets | $62,370,667 | 4,512 |
| Average earning assets | $57,815,000 | 4,502 |
| Average equity | $7,751,000 | 4,441 |
| Average total loans | $3,885,000 | 4,913 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4646% | 4,669 |
| Cost of funding earning assets | 0.6703% | 618 |
| Net interest margin | 1.7943% | 4,811 |
| Noninterest income to average assets | 0.0968% | 4,699 |
| Noninterest expense to average assets | 1.3359% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4195% | 4,327 |
| Return on assets (ROA) | 0.7035% | 3,759 |
| Pretax return on assets | 0.7035% | 4,009 |
| Return on Equity (ROE) | 5.5595% | 3,977 |
| Retained earnings to average equity (ytd only) | 0.2550% | 4,337 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1029% | 1,123 |
| Assets per employee ($millions) | 7.8156% | 1,275 |
| Cash dividends to net income (ytd only)* | 95.4128% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 2,255 |
| Loan loss allowance to noncurrent loans | 68.4211% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 3,564 |
| Noncurrent loans to loans | 1.9578% | 560 |
| Net loans and leases to total assets | 6.1255% | 4,932 |
| Net loans and leases to deposits | 8.7985% | 4,933 |
| Net loans and leases to core deposits | 10.7352% | 4,922 |
| Total domestic deposits to total assets | 69.6202% | 4,777 |
| Equity capital to assets | 11.8752% | 1,346 |
| Core capital (leverage) ratio | 9.8291% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1253% | 148 |
| Memoranda: | ||
| Average total assets | $61,980,000 | 4,531 |
| Average earning assets | $57,292,000 | 4,527 |
| Average equity | $7,842,500 | 4,447 |
| Average total loans | $3,941,000 | 4,940 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7007% | 4,795 |
| Cost of funding earning assets | 0.8676% | 959 |
| Net interest margin | 1.8332% | 4,876 |
| Noninterest income to average assets | 0.0940% | 4,759 |
| Noninterest expense to average assets | 1.3578% | 4,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4313% | 4,181 |
| Return on assets (ROA) | 0.4313% | 4,263 |
| Pretax return on assets | 0.4313% | 4,374 |
| Return on Equity (ROE) | 3.1816% | 4,331 |
| Retained earnings to average equity (ytd only) | -3.2558% | 4,777 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8912% | 1,241 |
| Assets per employee ($millions) | 6.8261% | 1,697 |
| Cash dividends to net income (ytd only)* | 202.3346% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,410 |
| Loan loss allowance to noncurrent loans | 60.4651% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 3,593 |
| Noncurrent loans to loans | 2.1500% | 506 |
| Net loans and leases to total assets | 6.4263% | 4,958 |
| Net loans and leases to deposits | 9.5293% | 4,954 |
| Net loans and leases to core deposits | 11.7580% | 4,943 |
| Total domestic deposits to total assets | 67.4371% | 4,826 |
| Equity capital to assets | 13.4451% | 947 |
| Core capital (leverage) ratio | 9.9490% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0273% | 132 |
| Memoranda: | ||
| Average total assets | $59,581,600 | 4,518 |
| Average earning assets | $55,096,200 | 4,509 |
| Average equity | $8,077,800 | 4,415 |
| Average total loans | $4,226,800 | 4,959 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8085% | 4,830 |
| Cost of funding earning assets | 0.8914% | 1,096 |
| Net interest margin | 1.9171% | 4,908 |
| Noninterest income to average assets | 0.0902% | 4,788 |
| Noninterest expense to average assets | 1.3577% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5029% | 4,021 |
| Return on assets (ROA) | 0.5029% | 4,115 |
| Pretax return on assets | 0.5029% | 4,272 |
| Return on Equity (ROE) | 3.7017% | 4,241 |
| Retained earnings to average equity (ytd only) | -0.6142% | 4,569 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9697% | 1,530 |
| Assets per employee ($millions) | 6.7930% | 1,626 |
| Cash dividends to net income (ytd only)* | 116.5919% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,248 |
| Loan loss allowance to noncurrent loans | 59.7701% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 3,706 |
| Noncurrent loans to loans | 2.1402% | 556 |
| Net loans and leases to total assets | 6.5639% | 4,988 |
| Net loans and leases to deposits | 10.0584% | 4,987 |
| Net loans and leases to core deposits | 12.5230% | 4,977 |
| Total domestic deposits to total assets | 65.2584% | 4,865 |
| Equity capital to assets | 13.8607% | 898 |
| Core capital (leverage) ratio | 10.4124% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8637% | 139 |
| Memoranda: | ||
| Average total assets | $59,118,250 | 4,540 |
| Average earning assets | $54,594,250 | 4,533 |
| Average equity | $8,032,250 | 4,440 |
| Average total loans | $4,283,500 | 4,989 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9617% | 4,861 |
| Cost of funding earning assets | 0.9119% | 1,318 |
| Net interest margin | 2.0498% | 4,934 |
| Noninterest income to average assets | 0.0856% | 4,819 |
| Noninterest expense to average assets | 1.3654% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6125% | 3,694 |
| Return on assets (ROA) | 0.6125% | 3,774 |
| Pretax return on assets | 0.6125% | 4,036 |
| Return on Equity (ROE) | 4.5403% | 3,961 |
| Retained earnings to average equity (ytd only) | -0.0507% | 4,312 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0311% | 2,086 |
| Assets per employee ($millions) | 6.6964% | 1,638 |
| Cash dividends to net income (ytd only)* | 101.1173% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,569 |
| Loan loss allowance to noncurrent loans | 59.7701% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 3,797 |
| Noncurrent loans to loans | 1.9922% | 681 |
| Net loans and leases to total assets | 7.1597% | 5,022 |
| Net loans and leases to deposits | 10.7437% | 5,022 |
| Net loans and leases to core deposits | 13.4797% | 5,007 |
| Total domestic deposits to total assets | 66.6407% | 4,873 |
| Equity capital to assets | 14.1219% | 830 |
| Core capital (leverage) ratio | 10.7453% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4082% | 135 |
| Memoranda: | ||
| Average total assets | $58,445,333 | 4,561 |
| Average earning assets | $53,955,667 | 4,552 |
| Average equity | $7,885,000 | 4,472 |
| Average total loans | $4,356,333 | 5,020 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1374% | 4,899 |
| Cost of funding earning assets | 0.9352% | 1,720 |
| Net interest margin | 2.2022% | 4,958 |
| Noninterest income to average assets | 0.0695% | 4,921 |
| Noninterest expense to average assets | 1.4322% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6674% | 3,376 |
| Return on assets (ROA) | 0.6674% | 3,444 |
| Pretax return on assets | 0.6674% | 3,777 |
| Return on Equity (ROE) | 5.0713% | 3,603 |
| Retained earnings to average equity (ytd only) | 0.3170% | 3,916 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2119% | 2,631 |
| Assets per employee ($millions) | 6.4778% | 1,357 |
| Cash dividends to net income (ytd only)* | 93.7500% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,690 |
| Loan loss allowance to noncurrent loans | 58.4270% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 3,888 |
| Noncurrent loans to loans | 2.0479% | 682 |
| Net loans and leases to total assets | 7.3654% | 5,068 |
| Net loans and leases to deposits | 11.1267% | 5,064 |
| Net loans and leases to core deposits | 14.1064% | 5,050 |
| Total domestic deposits to total assets | 66.1955% | 4,956 |
| Equity capital to assets | 12.5540% | 1,700 |
| Core capital (leverage) ratio | 11.0656% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8664% | 135 |
| Memoranda: | ||
| Average total assets | $57,534,000 | 4,586 |
| Average earning assets | $53,037,500 | 4,583 |
| Average equity | $7,572,000 | 4,542 |
| Average total loans | $4,351,000 | 5,067 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 4,842 |
| Cost of funding earning assets | 0.9273% | 2,072 |
| Net interest margin | 2.5960% | 4,908 |
| Noninterest income to average assets | 0.0335% | 5,068 |
| Noninterest expense to average assets | 1.5495% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8698% | 3,318 |
| Return on assets (ROA) | 0.8698% | 3,410 |
| Pretax return on assets | 0.8698% | 3,825 |
| Return on Equity (ROE) | 6.6907% | 3,664 |
| Retained earnings to average equity (ytd only) | 0.0542% | 4,675 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0466% | 3,068 |
| Assets per employee ($millions) | 5.6768% | 1,897 |
| Cash dividends to net income (ytd only)* | 99.1903% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,465 |
| Loan loss allowance to noncurrent loans | 108.3333% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 4,220 |
| Noncurrent loans to loans | 1.1019% | 1,369 |
| Net loans and leases to total assets | 7.5817% | 5,128 |
| Net loans and leases to deposits | 11.2711% | 5,126 |
| Net loans and leases to core deposits | 14.3304% | 5,114 |
| Total domestic deposits to total assets | 67.2668% | 4,999 |
| Equity capital to assets | 13.7842% | 1,172 |
| Core capital (leverage) ratio | 10.9898% | 2,511 |
| Tier 1 risk-based capital ratio | 42.9380% | 197 |
| Total risk-based capital ratio | 43.2884% | 206 |
| Memoranda: | ||
| Average total assets | $56,791,600 | 4,635 |
| Average earning assets | $52,195,600 | 4,639 |
| Average equity | $7,383,400 | 4,592 |
| Average total loans | $4,584,600 | 5,127 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,889 |
| Cost of funding earning assets | 0.9059% | 2,205 |
| Net interest margin | 2.6794% | 4,954 |
| Noninterest income to average assets | 0.0047% | 5,201 |
| Noninterest expense to average assets | 1.4836% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9789% | 3,058 |
| Return on assets (ROA) | 0.9789% | 3,134 |
| Pretax return on assets | 0.9789% | 3,654 |
| Return on Equity (ROE) | 7.6446% | 3,456 |
| Retained earnings to average equity (ytd only) | 0.4950% | 4,667 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2479% | 3,593 |
| Assets per employee ($millions) | 6.3958% | 1,329 |
| Cash dividends to net income (ytd only)* | 93.5251% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,699 |
| Loan loss allowance to noncurrent loans | 108.3333% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 4,303 |
| Noncurrent loans to loans | 1.0741% | 1,479 |
| Net loans and leases to total assets | 7.6735% | 5,210 |
| Net loans and leases to deposits | 11.3222% | 5,204 |
| Net loans and leases to core deposits | 14.3126% | 5,191 |
| Total domestic deposits to total assets | 67.7739% | 5,066 |
| Equity capital to assets | 13.6583% | 1,291 |
| Core capital (leverage) ratio | 11.2059% | 2,468 |
| Tier 1 risk-based capital ratio | 41.6585% | 219 |
| Total risk-based capital ratio | 41.9973% | 228 |
| Memoranda: | ||
| Average total assets | $56,797,500 | 4,708 |
| Average earning assets | $52,100,750 | 4,708 |
| Average equity | $7,273,000 | 4,662 |
| Average total loans | $4,641,750 | 5,204 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,865 |
| Cost of funding earning assets | 0.8794% | 2,244 |
| Net interest margin | 2.7888% | 4,939 |
| Noninterest income to average assets | 0.1203% | 4,962 |
| Noninterest expense to average assets | 1.4856% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1920% | 2,176 |
| Return on assets (ROA) | 1.1920% | 2,237 |
| Pretax return on assets | 1.1920% | 2,930 |
| Return on Equity (ROE) | 9.5243% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.1762% | 4,062 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4822% | 4,311 |
| Assets per employee ($millions) | 6.3063% | 1,332 |
| Cash dividends to net income (ytd only)* | 77.1513% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 2,785 |
| Loan loss allowance to noncurrent loans | 75.3623% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,333 |
| Noncurrent loans to loans | 1.5272% | 1,006 |
| Net loans and leases to total assets | 7.8686% | 5,257 |
| Net loans and leases to deposits | 11.5850% | 5,255 |
| Net loans and leases to core deposits | 14.6913% | 5,240 |
| Total domestic deposits to total assets | 67.9211% | 5,108 |
| Equity capital to assets | 13.4204% | 1,366 |
| Core capital (leverage) ratio | 11.3925% | 2,253 |
| Tier 1 risk-based capital ratio | 41.5603% | 216 |
| Total risk-based capital ratio | 41.8956% | 223 |
| Memoranda: | ||
| Average total assets | $56,542,670 | 4,745 |
| Average earning assets | $51,850,670 | 4,746 |
| Average equity | $7,076,670 | 4,715 |
| Average total loans | $4,699,330 | 5,251 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,777 |
| Cost of funding earning assets | 0.8606% | 2,205 |
| Net interest margin | 2.8918% | 4,889 |
| Noninterest income to average assets | 0.1205% | 5,012 |
| Noninterest expense to average assets | 1.4813% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2829% | 1,765 |
| Return on assets (ROA) | 1.2829% | 1,807 |
| Pretax return on assets | 1.2829% | 2,522 |
| Return on Equity (ROE) | 10.6369% | 2,106 |
| Retained earnings to average equity (ytd only) | 2.9971% | 3,735 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5897% | 4,573 |
| Assets per employee ($millions) | 6.2650% | 1,369 |
| Cash dividends to net income (ytd only)* | 71.8232% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,206 |
| Loan loss allowance to noncurrent loans | 75.3623% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 2,373 |
| Noncurrent loans to loans | 1.4396% | 1,123 |
| Net loans and leases to total assets | 8.4083% | 5,315 |
| Net loans and leases to deposits | 12.2757% | 5,310 |
| Net loans and leases to core deposits | 15.5596% | 5,297 |
| Total domestic deposits to total assets | 68.4952% | 5,160 |
| Equity capital to assets | 12.7463% | 1,600 |
| Core capital (leverage) ratio | 11.4443% | 2,174 |
| Tier 1 risk-based capital ratio | 40.4525% | 227 |
| Total risk-based capital ratio | 40.7802% | 238 |
| Memoranda: | ||
| Average total assets | $56,435,500 | 4,797 |
| Average earning assets | $51,593,500 | 4,806 |
| Average equity | $6,806,500 | 4,785 |
| Average total loans | $4,790,000 | 5,312 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,657 |
| Cost of funding earning assets | 0.7672% | 1,702 |
| Net interest margin | 2.9414% | 4,862 |
| Noninterest income to average assets | 0.1199% | 5,079 |
| Noninterest expense to average assets | 1.5157% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2938% | 1,830 |
| Return on assets (ROA) | 1.2938% | 1,813 |
| Pretax return on assets | 1.2938% | 2,520 |
| Return on Equity (ROE) | 11.0781% | 2,057 |
| Retained earnings to average equity (ytd only) | 1.1185% | 4,672 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9490% | 4,624 |
| Assets per employee ($millions) | 5.6486% | 1,813 |
| Cash dividends to net income (ytd only)* | 89.9032% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,189 |
| Loan loss allowance to noncurrent loans | 106.1224% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 2,476 |
| Noncurrent loans to loans | 1.0236% | 1,598 |
| Net loans and leases to total assets | 8.3826% | 5,358 |
| Net loans and leases to deposits | 11.9995% | 5,357 |
| Net loans and leases to core deposits | 15.3729% | 5,339 |
| Total domestic deposits to total assets | 69.8580% | 5,155 |
| Equity capital to assets | 11.3763% | 2,348 |
| Core capital (leverage) ratio | 11.4609% | 2,135 |
| Tier 1 risk-based capital ratio | 39.5332% | 240 |
| Total risk-based capital ratio | 39.8560% | 247 |
| Memoranda: | ||
| Average total assets | $55,880,000 | 4,836 |
| Average earning assets | $51,097,400 | 4,836 |
| Average equity | $6,526,400 | 4,824 |
| Average total loans | $4,968,800 | 5,355 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 4,649 |
| Cost of funding earning assets | 0.7538% | 1,566 |
| Net interest margin | 2.9470% | 4,918 |
| Noninterest income to average assets | 0.1172% | 5,146 |
| Noninterest expense to average assets | 1.4546% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3565% | 1,635 |
| Return on assets (ROA) | 1.3565% | 1,645 |
| Pretax return on assets | 1.3565% | 2,400 |
| Return on Equity (ROE) | 11.5390% | 1,974 |
| Retained earnings to average equity (ytd only) | 3.6021% | 3,966 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7447% | 4,836 |
| Assets per employee ($millions) | 6.1383% | 1,397 |
| Cash dividends to net income (ytd only)* | 68.7836% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,314 |
| Loan loss allowance to noncurrent loans | 27.6596% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 1,872 |
| Noncurrent loans to loans | 3.8923% | 222 |
| Net loans and leases to total assets | 8.6487% | 5,433 |
| Net loans and leases to deposits | 12.3837% | 5,428 |
| Net loans and leases to core deposits | 15.9666% | 5,411 |
| Total domestic deposits to total assets | 69.8398% | 5,216 |
| Equity capital to assets | 10.9802% | 2,680 |
| Core capital (leverage) ratio | 11.6186% | 2,072 |
| Tier 1 risk-based capital ratio | 39.8424% | 238 |
| Total risk-based capital ratio | 40.1625% | 246 |
| Memoranda: | ||
| Average total assets | $55,728,500 | 4,894 |
| Average earning assets | $50,943,750 | 4,891 |
| Average equity | $6,551,500 | 4,873 |
| Average total loans | $5,014,250 | 5,425 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,613 |
| Cost of funding earning assets | 0.7438% | 1,407 |
| Net interest margin | 2.9439% | 4,957 |
| Noninterest income to average assets | 0.1181% | 5,200 |
| Noninterest expense to average assets | 1.4207% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3884% | 1,482 |
| Return on assets (ROA) | 1.3884% | 1,482 |
| Pretax return on assets | 1.3884% | 2,192 |
| Return on Equity (ROE) | 11.5591% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.8133% | 3,692 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5732% | 4,993 |
| Assets per employee ($millions) | 6.9669% | 933 |
| Cash dividends to net income (ytd only)* | 67.0103% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,435 |
| Loan loss allowance to noncurrent loans | 89.6552% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 2,579 |
| Noncurrent loans to loans | 1.1937% | 1,455 |
| Net loans and leases to total assets | 8.6247% | 5,494 |
| Net loans and leases to deposits | 12.5098% | 5,489 |
| Net loans and leases to core deposits | 16.1482% | 5,479 |
| Total domestic deposits to total assets | 68.9441% | 5,311 |
| Equity capital to assets | 11.6049% | 2,123 |
| Core capital (leverage) ratio | 11.4930% | 2,085 |
| Tier 1 risk-based capital ratio | 40.8380% | 218 |
| Total risk-based capital ratio | 41.1686% | 226 |
| Memoranda: | ||
| Average total assets | $55,889,670 | 4,944 |
| Average earning assets | $51,089,330 | 4,947 |
| Average equity | $6,713,330 | 4,891 |
| Average total loans | $5,075,670 | 5,487 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 3,347 |
| Cost of funding earning assets | 0.7287% | 1,298 |
| Net interest margin | 3.3380% | 4,085 |
| Noninterest income to average assets | 0.1215% | 5,248 |
| Noninterest expense to average assets | 1.4437% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7224% | 657 |
| Return on assets (ROA) | 1.7224% | 666 |
| Pretax return on assets | 1.7224% | 1,061 |
| Return on Equity (ROE) | 14.1018% | 990 |
| Retained earnings to average equity (ytd only) | 6.4950% | 2,504 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5982% | 5,296 |
| Assets per employee ($millions) | 6.9559% | 978 |
| Cash dividends to net income (ytd only)* | 53.9419% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 3,858 |
| Loan loss allowance to noncurrent loans | 18.4397% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 2,837 |
| Noncurrent loans to loans | 5.5154% | 119 |
| Net loans and leases to total assets | 9.0948% | 5,556 |
| Net loans and leases to deposits | 13.1328% | 5,553 |
| Net loans and leases to core deposits | 16.9383% | 5,536 |
| Total domestic deposits to total assets | 69.2526% | 5,385 |
| Equity capital to assets | 11.7491% | 1,952 |
| Core capital (leverage) ratio | 11.5012% | 2,014 |
| Tier 1 risk-based capital ratio | 17.0992% | 2,088 |
| Total risk-based capital ratio | 17.2380% | 2,416 |
| Memoranda: | ||
| Average total assets | $55,967,000 | 5,002 |
| Average earning assets | $51,048,000 | 5,007 |
| Average equity | $6,836,000 | 4,922 |
| Average total loans | $5,184,000 | 5,549 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 4,371 |
| Cost of funding earning assets | 0.7087% | 980 |
| Net interest margin | 2.9763% | 4,931 |
| Noninterest income to average assets | 0.1259% | 5,313 |
| Noninterest expense to average assets | 1.5234% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3212% | 1,180 |
| Return on assets (ROA) | 1.3212% | 1,195 |
| Pretax return on assets | 1.3212% | 2,276 |
| Return on Equity (ROE) | 10.3415% | 1,756 |
| Retained earnings to average equity (ytd only) | 3.1233% | 3,431 |
| Net charge-offs to loans | 0.0342% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 372.5000% | 234 |
| Efficiency ratio | 53.5536% | 4,982 |
| Assets per employee ($millions) | 6.2541% | 1,345 |
| Cash dividends to net income (ytd only)* | 69.7987% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,004 |
| Loan loss allowance to noncurrent loans | 16.7742% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 2,722 |
| Noncurrent loans to loans | 5.8991% | 94 |
| Net loans and leases to total assets | 9.2437% | 5,621 |
| Net loans and leases to deposits | 13.5361% | 5,622 |
| Net loans and leases to core deposits | 17.3237% | 5,608 |
| Total domestic deposits to total assets | 68.2893% | 5,462 |
| Equity capital to assets | 12.6743% | 1,421 |
| Core capital (leverage) ratio | 11.0532% | 2,284 |
| Tier 1 risk-based capital ratio | 39.8115% | 219 |
| Total risk-based capital ratio | 40.1404% | 230 |
| Memoranda: | ||
| Average total assets | $56,388,600 | 5,040 |
| Average earning assets | $51,506,200 | 5,038 |
| Average equity | $7,204,000 | 4,908 |
| Average total loans | $5,854,600 | 5,609 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 4,349 |
| Cost of funding earning assets | 0.7053% | 935 |
| Net interest margin | 2.9841% | 4,954 |
| Noninterest income to average assets | 0.1253% | 5,377 |
| Noninterest expense to average assets | 1.3401% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5150% | 866 |
| Return on assets (ROA) | 1.5150% | 892 |
| Pretax return on assets | 1.5150% | 1,719 |
| Return on Equity (ROE) | 11.8348% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.6342% | 3,121 |
| Net charge-offs to loans | 0.0445% | 2,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 320.0936% | 287 |
| Efficiency ratio | 46.9371% | 5,388 |
| Assets per employee ($millions) | 6.3166% | 1,298 |
| Cash dividends to net income (ytd only)* | 60.8425% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,434 |
| Loan loss allowance to noncurrent loans | 13.6126% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 2,485 |
| Noncurrent loans to loans | 6.8190% | 77 |
| Net loans and leases to total assets | 9.7627% | 5,688 |
| Net loans and leases to deposits | 14.3492% | 5,685 |
| Net loans and leases to core deposits | 18.3326% | 5,670 |
| Total domestic deposits to total assets | 68.0364% | 5,534 |
| Equity capital to assets | 13.3547% | 1,224 |
| Core capital (leverage) ratio | 11.3976% | 2,100 |
| Tier 1 risk-based capital ratio | 38.0142% | 255 |
| Total risk-based capital ratio | 38.3269% | 277 |
| Memoranda: | ||
| Average total assets | $56,414,000 | 5,092 |
| Average earning assets | $51,605,500 | 5,092 |
| Average equity | $7,221,500 | 4,957 |
| Average total loans | $6,004,500 | 5,673 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,140 |
| Cost of funding earning assets | 0.7075% | 864 |
| Net interest margin | 3.0204% | 4,863 |
| Noninterest income to average assets | 0.1280% | 5,410 |
| Noninterest expense to average assets | 1.3151% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5746% | 746 |
| Return on assets (ROA) | 1.5746% | 765 |
| Pretax return on assets | 1.5746% | 1,421 |
| Return on Equity (ROE) | 12.4824% | 1,167 |
| Retained earnings to average equity (ytd only) | 5.1564% | 2,607 |
| Net charge-offs to loans | 0.0652% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 221.5000% | 383 |
| Efficiency ratio | 45.5105% | 5,475 |
| Assets per employee ($millions) | 6.2821% | 1,262 |
| Cash dividends to net income (ytd only)* | 58.6907% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,698 |
| Loan loss allowance to noncurrent loans | 14.3251% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 2,632 |
| Noncurrent loans to loans | 6.1808% | 96 |
| Net loans and leases to total assets | 10.2955% | 5,735 |
| Net loans and leases to deposits | 15.1933% | 5,730 |
| Net loans and leases to core deposits | 19.4624% | 5,708 |
| Total domestic deposits to total assets | 67.7638% | 5,601 |
| Equity capital to assets | 13.5552% | 1,125 |
| Core capital (leverage) ratio | 11.2738% | 2,153 |
| Tier 1 risk-based capital ratio | 38.9352% | 224 |
| Total risk-based capital ratio | 39.2590% | 237 |
| Memoranda: | ||
| Average total assets | $56,269,000 | 5,128 |
| Average earning assets | $51,449,330 | 5,128 |
| Average equity | $7,098,000 | 5,005 |
| Average total loans | $6,138,670 | 5,718 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 3,931 |
| Cost of funding earning assets | 0.7098% | 801 |
| Net interest margin | 3.0421% | 4,805 |
| Noninterest income to average assets | 0.1354% | 5,434 |
| Noninterest expense to average assets | 1.2826% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6318% | 637 |
| Return on assets (ROA) | 1.6318% | 653 |
| Pretax return on assets | 1.6318% | 1,160 |
| Return on Equity (ROE) | 13.4409% | 914 |
| Retained earnings to average equity (ytd only) | 5.8107% | 2,437 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0098% | 5,594 |
| Assets per employee ($millions) | 6.2409% | 1,334 |
| Cash dividends to net income (ytd only)* | 56.7686% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,757 |
| Loan loss allowance to noncurrent loans | 15.8358% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 2,819 |
| Noncurrent loans to loans | 5.6786% | 125 |
| Net loans and leases to total assets | 10.5950% | 5,802 |
| Net loans and leases to deposits | 15.4095% | 5,793 |
| Net loans and leases to core deposits | 19.6949% | 5,772 |
| Total domestic deposits to total assets | 68.7562% | 5,662 |
| Equity capital to assets | 12.4323% | 1,579 |
| Core capital (leverage) ratio | 11.1225% | 2,258 |
| Tier 1 risk-based capital ratio | 37.0622% | 274 |
| Total risk-based capital ratio | 37.3866% | 288 |
| Memoranda: | ||
| Average total assets | $56,134,000 | 5,192 |
| Average earning assets | $51,281,000 | 5,188 |
| Average equity | $6,815,000 | 5,097 |
| Average total loans | $6,271,500 | 5,782 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,083 |
| Cost of funding earning assets | 0.9000% | 298 |
| Net interest margin | 2.8426% | 5,216 |
| Noninterest income to average assets | 0.1272% | 5,552 |
| Noninterest expense to average assets | 1.3858% | 5,781 |
| Loan and lease loss provision to assets | 0.0087% | 4,194 |
| Net operating income to assets | 1.3370% | 1,124 |
| Return on assets (ROA) | 1.3370% | 1,183 |
| Pretax return on assets | 1.3370% | 2,160 |
| Return on Equity (ROE) | 9.9945% | 1,957 |
| Retained earnings to average equity (ytd only) | 1.5246% | 4,653 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7339% | 5,453 |
| Assets per employee ($millions) | 5.6100% | 1,775 |
| Cash dividends to net income (ytd only)* | 84.7458% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 5,032 |
| Loan loss allowance to noncurrent loans | 14.4000% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 2,705 |
| Noncurrent loans to loans | 5.7357% | 115 |
| Net loans and leases to total assets | 11.5579% | 5,860 |
| Net loans and leases to deposits | 16.7667% | 5,850 |
| Net loans and leases to core deposits | 21.4205% | 5,823 |
| Total domestic deposits to total assets | 68.9340% | 5,693 |
| Equity capital to assets | 11.8485% | 1,907 |
| Core capital (leverage) ratio | 10.8428% | 2,496 |
| Tier 1 risk-based capital ratio | 36.3625% | 291 |
| Total risk-based capital ratio | 36.6860% | 302 |
| Memoranda: | ||
| Average total assets | $57,369,200 | 5,203 |
| Average earning assets | $52,558,000 | 5,196 |
| Average equity | $7,674,200 | 4,985 |
| Average total loans | $6,875,200 | 5,832 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,163 |
| Cost of funding earning assets | 0.9231% | 258 |
| Net interest margin | 2.8022% | 5,355 |
| Noninterest income to average assets | 0.1294% | 5,603 |
| Noninterest expense to average assets | 1.3290% | 5,852 |
| Loan and lease loss provision to assets | 0.0116% | 4,012 |
| Net operating income to assets | 1.3567% | 1,154 |
| Return on assets (ROA) | 1.3567% | 1,230 |
| Pretax return on assets | 1.3567% | 2,206 |
| Return on Equity (ROE) | 9.8682% | 2,110 |
| Retained earnings to average equity (ytd only) | 3.3118% | 3,918 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2716% | 5,543 |
| Assets per employee ($millions) | 5.7481% | 1,622 |
| Cash dividends to net income (ytd only)* | 66.4397% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 5,248 |
| Loan loss allowance to noncurrent loans | 18.6851% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 3,435 |
| Noncurrent loans to loans | 4.1715% | 252 |
| Net loans and leases to total assets | 11.9587% | 5,924 |
| Net loans and leases to deposits | 17.7839% | 5,911 |
| Net loans and leases to core deposits | 22.7232% | 5,892 |
| Total domestic deposits to total assets | 67.2448% | 5,787 |
| Equity capital to assets | 14.3456% | 916 |
| Core capital (leverage) ratio | 11.1751% | 2,291 |
| Tier 1 risk-based capital ratio | 36.0509% | 311 |
| Total risk-based capital ratio | 36.3674% | 326 |
| Memoranda: | ||
| Average total assets | $57,686,500 | 5,244 |
| Average earning assets | $52,862,500 | 5,234 |
| Average equity | $7,931,000 | 4,995 |
| Average total loans | $6,959,500 | 5,896 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,147 |
| Cost of funding earning assets | 0.9821% | 184 |
| Net interest margin | 2.7612% | 5,497 |
| Noninterest income to average assets | 0.1281% | 5,678 |
| Noninterest expense to average assets | 1.3401% | 5,927 |
| Loan and lease loss provision to assets | 0.0173% | 3,774 |
| Net operating income to assets | 1.3021% | 1,267 |
| Return on assets (ROA) | 1.3021% | 1,371 |
| Pretax return on assets | 1.3021% | 2,403 |
| Return on Equity (ROE) | 9.6090% | 2,224 |
| Retained earnings to average equity (ytd only) | 2.9645% | 4,028 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3906% | 5,540 |
| Assets per employee ($millions) | 5.7227% | 1,606 |
| Cash dividends to net income (ytd only)* | 69.1489% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 5,298 |
| Loan loss allowance to noncurrent loans | 18.6851% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 3,528 |
| Noncurrent loans to loans | 4.2388% | 263 |
| Net loans and leases to total assets | 11.8196% | 6,002 |
| Net loans and leases to deposits | 17.5912% | 5,992 |
| Net loans and leases to core deposits | 22.5099% | 5,962 |
| Total domestic deposits to total assets | 67.1903% | 5,857 |
| Equity capital to assets | 14.3499% | 917 |
| Core capital (leverage) ratio | 10.9342% | 2,506 |
| Tier 1 risk-based capital ratio | 36.1875% | 302 |
| Total risk-based capital ratio | 36.5095% | 326 |
| Memoranda: | ||
| Average total assets | $57,755,000 | 5,298 |
| Average earning assets | $52,947,330 | 5,290 |
| Average equity | $7,826,000 | 5,057 |
| Average total loans | $6,970,000 | 5,972 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7939% | 3,963 |
| Cost of funding earning assets | 1.0764% | 108 |
| Net interest margin | 2.7174% | 5,589 |
| Noninterest income to average assets | 0.1241% | 5,721 |
| Noninterest expense to average assets | 1.3168% | 5,995 |
| Loan and lease loss provision to assets | 0.0345% | 3,201 |
| Net operating income to assets | 1.2617% | 1,371 |
| Return on assets (ROA) | 1.2617% | 1,463 |
| Pretax return on assets | 1.2617% | 2,466 |
| Return on Equity (ROE) | 9.5899% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.7774% | 4,126 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3958% | 5,610 |
| Assets per employee ($millions) | 5.8636% | 1,520 |
| Cash dividends to net income (ytd only)* | 71.0383% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 5,443 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,145 |
| Noncurrent loans to loans | 0.8979% | 2,600 |
| Net loans and leases to total assets | 11.8733% | 6,066 |
| Net loans and leases to deposits | 17.6786% | 6,043 |
| Net loans and leases to core deposits | 22.4726% | 6,014 |
| Total domestic deposits to total assets | 67.1618% | 5,943 |
| Equity capital to assets | 13.1933% | 1,323 |
| Core capital (leverage) ratio | 10.7045% | 2,722 |
| Tier 1 risk-based capital ratio | 34.4262% | 351 |
| Total risk-based capital ratio | 34.7358% | 373 |
| Memoranda: | ||
| Average total assets | $58,019,000 | 5,339 |
| Average earning assets | $53,138,500 | 5,338 |
| Average equity | $7,633,000 | 5,116 |
| Average total loans | $7,046,000 | 6,029 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 3,445 |
| Cost of funding earning assets | 1.0984% | 102 |
| Net interest margin | 2.8678% | 5,389 |
| Noninterest income to average assets | 0.1790% | 5,512 |
| Noninterest expense to average assets | 1.4183% | 6,027 |
| Loan and lease loss provision to assets | 0.0193% | 4,021 |
| Net operating income to assets | 1.3674% | 1,108 |
| Return on assets (ROA) | 1.3674% | 1,154 |
| Pretax return on assets | 1.3674% | 2,037 |
| Return on Equity (ROE) | 10.5891% | 1,762 |
| Retained earnings to average equity (ytd only) | 1.4001% | 4,926 |
| Net charge-offs to loans | 0.1678% | 1,687 |
| Credit loss provision to net charge-offs | 91.6667% | 2,728 |
| Earnings coverage of net charge-offs (x) | 65.8333% | 813 |
| Efficiency ratio | 50.5632% | 5,733 |
| Assets per employee ($millions) | 5.7402% | 1,585 |
| Cash dividends to net income (ytd only)* | 86.7779% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 5,644 |
| Loan loss allowance to noncurrent loans | 15.8576% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 3,486 |
| Noncurrent loans to loans | 4.3669% | 251 |
| Net loans and leases to total assets | 12.2417% | 6,121 |
| Net loans and leases to deposits | 17.8918% | 6,109 |
| Net loans and leases to core deposits | 24.3351% | 6,060 |
| Total domestic deposits to total assets | 68.4210% | 5,961 |
| Equity capital to assets | 13.1180% | 1,292 |
| Core capital (leverage) ratio | 10.5630% | 2,868 |
| Tier 1 risk-based capital ratio | 35.4472% | 327 |
| Total risk-based capital ratio | 35.7390% | 343 |
| Memoranda: | ||
| Average total assets | $56,967,800 | 5,384 |
| Average earning assets | $52,166,000 | 5,382 |
| Average equity | $7,356,600 | 5,177 |
| Average total loans | $7,150,600 | 6,083 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 3,386 |
| Cost of funding earning assets | 1.0965% | 102 |
| Net interest margin | 2.8924% | 5,429 |
| Noninterest income to average assets | 0.1923% | 5,506 |
| Noninterest expense to average assets | 1.4069% | 6,097 |
| Loan and lease loss provision to assets | 0.0258% | 3,752 |
| Net operating income to assets | 1.4069% | 1,092 |
| Return on assets (ROA) | 1.4069% | 1,136 |
| Pretax return on assets | 1.4069% | 1,986 |
| Return on Equity (ROE) | 10.9388% | 1,731 |
| Retained earnings to average equity (ytd only) | 1.4584% | 5,134 |
| Net charge-offs to loans | 0.2232% | 1,168 |
| Credit loss provision to net charge-offs | 91.6667% | 2,447 |
| Earnings coverage of net charge-offs (x) | 50.9156% | 1,032 |
| Efficiency ratio | 49.5458% | 5,800 |
| Assets per employee ($millions) | 5.6735% | 1,618 |
| Cash dividends to net income (ytd only)* | 86.6672% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 5,726 |
| Loan loss allowance to noncurrent loans | 15.6550% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 3,654 |
| Noncurrent loans to loans | 4.4746% | 248 |
| Net loans and leases to total assets | 12.2429% | 6,208 |
| Net loans and leases to deposits | 17.8345% | 6,200 |
| Net loans and leases to core deposits | 24.3310% | 6,145 |
| Total domestic deposits to total assets | 68.6472% | 6,019 |
| Equity capital to assets | 12.6800% | 1,627 |
| Core capital (leverage) ratio | 10.6830% | 2,847 |
| Tier 1 risk-based capital ratio | 34.5048% | 361 |
| Total risk-based capital ratio | 34.7899% | 388 |
| Memoranda: | ||
| Average total assets | $56,859,250 | 5,458 |
| Average earning assets | $52,042,500 | 5,457 |
| Average equity | $7,313,250 | 5,252 |
| Average total loans | $7,169,250 | 6,164 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,352 |
| Cost of funding earning assets | 1.0858% | 106 |
| Net interest margin | 2.9007% | 5,443 |
| Noninterest income to average assets | 0.2214% | 5,382 |
| Noninterest expense to average assets | 1.4973% | 6,113 |
| Loan and lease loss provision to assets | 0.0387% | 3,344 |
| Net operating income to assets | 1.3427% | 1,211 |
| Return on assets (ROA) | 1.3427% | 1,255 |
| Pretax return on assets | 1.3427% | 2,199 |
| Return on Equity (ROE) | 10.3903% | 1,899 |
| Retained earnings to average equity (ytd only) | -0.2176% | 5,547 |
| Net charge-offs to loans | -0.0553% | 5,581 |
| Credit loss provision to net charge-offs | -550.0000% | 5,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0147% | 5,717 |
| Assets per employee ($millions) | 5.6453% | 1,624 |
| Cash dividends to net income (ytd only)* | 102.0942% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 5,351 |
| Loan loss allowance to noncurrent loans | 18.8623% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 3,638 |
| Noncurrent loans to loans | 4.6976% | 274 |
| Net loans and leases to total assets | 12.4830% | 6,283 |
| Net loans and leases to deposits | 18.0489% | 6,269 |
| Net loans and leases to core deposits | 24.6012% | 6,214 |
| Total domestic deposits to total assets | 69.1620% | 6,071 |
| Equity capital to assets | 11.9763% | 2,045 |
| Core capital (leverage) ratio | 10.4972% | 2,955 |
| Tier 1 risk-based capital ratio | 34.5129% | 378 |
| Total risk-based capital ratio | 34.8851% | 400 |
| Memoranda: | ||
| Average total assets | $56,900,670 | 5,518 |
| Average earning assets | $52,126,000 | 5,510 |
| Average equity | $7,353,000 | 5,287 |
| Average total loans | $7,227,330 | 6,234 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,422 |
| Cost of funding earning assets | 1.0791% | 113 |
| Net interest margin | 2.8699% | 5,506 |
| Noninterest income to average assets | 0.1330% | 5,936 |
| Noninterest expense to average assets | 1.6525% | 6,058 |
| Loan and lease loss provision to assets | 0.1050% | 1,953 |
| Net operating income to assets | 1.0013% | 2,268 |
| Return on assets (ROA) | 1.0013% | 2,400 |
| Pretax return on assets | 1.0013% | 3,499 |
| Return on Equity (ROE) | 7.4781% | 3,231 |
| Retained earnings to average equity (ytd only) | 0.6798% | 5,178 |
| Net charge-offs to loans | -0.1098% | 5,888 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8985% | 5,101 |
| Assets per employee ($millions) | 6.3544% | 1,161 |
| Cash dividends to net income (ytd only)* | 90.9091% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 5,269 |
| Loan loss allowance to noncurrent loans | 62.0370% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 4,828 |
| Noncurrent loans to loans | 1.5226% | 1,851 |
| Net loans and leases to total assets | 12.2854% | 6,353 |
| Net loans and leases to deposits | 18.0691% | 6,324 |
| Net loans and leases to core deposits | 24.6656% | 6,271 |
| Total domestic deposits to total assets | 67.9909% | 6,198 |
| Equity capital to assets | 13.4656% | 1,183 |
| Core capital (leverage) ratio | 10.5770% | 2,872 |
| Tier 1 risk-based capital ratio | 34.4580% | 380 |
| Total risk-based capital ratio | 34.8519% | 395 |
| Memoranda: | ||
| Average total assets | $57,124,500 | 5,567 |
| Average earning assets | $52,267,500 | 5,553 |
| Average equity | $7,649,000 | 5,271 |
| Average total loans | $7,286,000 | 6,304 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 3,030 |
| Cost of funding earning assets | 1.1446% | 108 |
| Net interest margin | 3.0298% | 5,374 |
| Noninterest income to average assets | 0.1384% | 6,004 |
| Noninterest expense to average assets | 1.3260% | 6,385 |
| Loan and lease loss provision to assets | 0.0893% | 2,684 |
| Net operating income to assets | 1.4819% | 910 |
| Return on assets (ROA) | 1.4871% | 940 |
| Pretax return on assets | 1.4871% | 1,592 |
| Return on Equity (ROE) | 12.6788% | 1,214 |
| Retained earnings to average equity (ytd only) | 1.8070% | 4,908 |
| Net charge-offs to loans | 0.7695% | 465 |
| Credit loss provision to net charge-offs | 86.4407% | 2,726 |
| Earnings coverage of net charge-offs (x) | 15.2034% | 2,100 |
| Efficiency ratio | 45.7678% | 6,273 |
| Assets per employee ($millions) | 6.3399% | 1,158 |
| Cash dividends to net income (ytd only)* | 85.7479% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 6,048 |
| Loan loss allowance to noncurrent loans | 46.2963% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 4,782 |
| Noncurrent loans to loans | 1.4440% | 2,039 |
| Net loans and leases to total assets | 13.0199% | 6,431 |
| Net loans and leases to deposits | 19.1183% | 6,414 |
| Net loans and leases to core deposits | 26.3337% | 6,354 |
| Total domestic deposits to total assets | 68.1014% | 6,266 |
| Equity capital to assets | 13.3143% | 1,224 |
| Core capital (leverage) ratio | 10.2992% | 3,174 |
| Tier 1 risk-based capital ratio | 34.5808% | 352 |
| Total risk-based capital ratio | 34.8764% | 372 |
| Memoranda: | ||
| Average total assets | $57,089,200 | 5,624 |
| Average earning assets | $51,983,000 | 5,622 |
| Average equity | $6,696,200 | 5,482 |
| Average total loans | $7,667,200 | 6,382 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 2,998 |
| Cost of funding earning assets | 1.1484% | 110 |
| Net interest margin | 3.0495% | 5,382 |
| Noninterest income to average assets | 0.1518% | 6,009 |
| Noninterest expense to average assets | 1.2937% | 6,459 |
| Loan and lease loss provision to assets | 0.1051% | 2,283 |
| Net operating income to assets | 1.5249% | 891 |
| Return on assets (ROA) | 1.5319% | 912 |
| Pretax return on assets | 1.5319% | 1,534 |
| Return on Equity (ROE) | 13.5163% | 1,089 |
| Retained earnings to average equity (ytd only) | 5.4808% | 2,775 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2492% | 6,354 |
| Assets per employee ($millions) | 6.4637% | 1,042 |
| Cash dividends to net income (ytd only)* | 59.4519% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 3,361 |
| Loan loss allowance to noncurrent loans | 50.9901% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 4,878 |
| Noncurrent loans to loans | 2.6642% | 1,076 |
| Net loans and leases to total assets | 12.8565% | 6,517 |
| Net loans and leases to deposits | 19.1191% | 6,498 |
| Net loans and leases to core deposits | 26.2688% | 6,431 |
| Total domestic deposits to total assets | 67.2443% | 6,372 |
| Equity capital to assets | 12.7121% | 1,580 |
| Core capital (leverage) ratio | 10.5609% | 2,966 |
| Tier 1 risk-based capital ratio | 33.9814% | 390 |
| Total risk-based capital ratio | 34.5652% | 400 |
| Memoranda: | ||
| Average total assets | $57,096,750 | 5,689 |
| Average earning assets | $51,897,250 | 5,684 |
| Average equity | $6,471,000 | 5,588 |
| Average total loans | $7,714,250 | 6,456 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,901 |
| Cost of funding earning assets | 1.1517% | 112 |
| Net interest margin | 3.0620% | 5,366 |
| Noninterest income to average assets | 0.1551% | 6,016 |
| Noninterest expense to average assets | 1.3606% | 6,497 |
| Loan and lease loss provision to assets | 0.1586% | 1,569 |
| Net operating income to assets | 1.4100% | 1,038 |
| Return on assets (ROA) | 1.4206% | 1,058 |
| Pretax return on assets | 1.4206% | 1,817 |
| Return on Equity (ROE) | 13.0780% | 1,156 |
| Retained earnings to average equity (ytd only) | 4.6406% | 3,199 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4501% | 6,342 |
| Assets per employee ($millions) | 5.7935% | 1,432 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 3,655 |
| Loan loss allowance to noncurrent loans | 50.9901% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 4,984 |
| Noncurrent loans to loans | 2.6227% | 1,160 |
| Net loans and leases to total assets | 13.1164% | 6,581 |
| Net loans and leases to deposits | 18.7959% | 6,562 |
| Net loans and leases to core deposits | 25.5154% | 6,498 |
| Total domestic deposits to total assets | 69.7834% | 6,360 |
| Equity capital to assets | 11.9341% | 2,033 |
| Core capital (leverage) ratio | 10.3384% | 3,153 |
| Tier 1 risk-based capital ratio | 33.7355% | 384 |
| Total risk-based capital ratio | 34.3272% | 400 |
| Memoranda: | ||
| Average total assets | $56,738,000 | 5,744 |
| Average earning assets | $51,404,000 | 5,745 |
| Average equity | $6,163,000 | 5,684 |
| Average total loans | $7,758,330 | 6,516 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,618 |
| Cost of funding earning assets | 1.1612% | 113 |
| Net interest margin | 3.1123% | 5,207 |
| Noninterest income to average assets | 0.1568% | 6,028 |
| Noninterest expense to average assets | 1.5604% | 6,458 |
| Loan and lease loss provision to assets | 0.0641% | 2,838 |
| Net operating income to assets | 1.3395% | 1,123 |
| Return on assets (ROA) | 1.3395% | 1,166 |
| Pretax return on assets | 1.3395% | 1,960 |
| Return on Equity (ROE) | 12.9935% | 1,164 |
| Retained earnings to average equity (ytd only) | 6.7732% | 2,156 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6442% | 6,104 |
| Assets per employee ($millions) | 6.3297% | 1,098 |
| Cash dividends to net income (ytd only)* | 47.8723% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,965 |
| Loan loss allowance to noncurrent loans | 32.6829% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 5,084 |
| Noncurrent loans to loans | 2.6452% | 1,290 |
| Net loans and leases to total assets | 13.4868% | 6,646 |
| Net loans and leases to deposits | 19.1186% | 6,631 |
| Net loans and leases to core deposits | 26.0088% | 6,554 |
| Total domestic deposits to total assets | 70.5426% | 6,430 |
| Equity capital to assets | 10.8695% | 2,853 |
| Core capital (leverage) ratio | 10.4387% | 3,009 |
| Tier 1 risk-based capital ratio | 33.1192% | 410 |
| Total risk-based capital ratio | 33.5001% | 432 |
| Memoranda: | ||
| Average total assets | $56,139,500 | 5,811 |
| Average earning assets | $50,637,000 | 5,823 |
| Average equity | $5,787,500 | 5,803 |
| Average total loans | $7,786,500 | 6,583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 2,719 |
| Cost of funding earning assets | 1.2235% | 154 |
| Net interest margin | 3.1393% | 5,198 |
| Noninterest income to average assets | 0.4790% | 3,894 |
| Noninterest expense to average assets | 1.2868% | 6,687 |
| Loan and lease loss provision to assets | -0.0420% | 6,357 |
| Net operating income to assets | 2.0648% | 301 |
| Return on assets (ROA) | 2.0648% | 306 |
| Pretax return on assets | 2.0648% | 421 |
| Return on Equity (ROE) | 17.7546% | 432 |
| Retained earnings to average equity (ytd only) | 0.3307% | 5,698 |
| Net charge-offs to loans | 0.2248% | 2,663 |
| Credit loss provision to net charge-offs | -133.3333% | 5,926 |
| Earnings coverage of net charge-offs (x) | 64.2778% | 652 |
| Efficiency ratio | 38.8801% | 6,711 |
| Assets per employee ($millions) | 6.1458% | 1,176 |
| Cash dividends to net income (ytd only)* | 98.1372% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 6,287 |
| Loan loss allowance to noncurrent loans | 28.0193% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 5,126 |
| Noncurrent loans to loans | 2.6460% | 1,399 |
| Net loans and leases to total assets | 14.0385% | 6,726 |
| Net loans and leases to deposits | 19.7507% | 6,705 |
| Net loans and leases to core deposits | 27.2772% | 6,635 |
| Total domestic deposits to total assets | 71.0786% | 6,476 |
| Equity capital to assets | 9.7321% | 4,130 |
| Core capital (leverage) ratio | 10.2424% | 3,227 |
| Tier 1 risk-based capital ratio | 33.7298% | 374 |
| Total risk-based capital ratio | 34.0712% | 401 |
| Memoranda: | ||
| Average total assets | $57,197,400 | 5,832 |
| Average earning assets | $51,571,800 | 5,845 |
| Average equity | $6,651,800 | 5,660 |
| Average total loans | $8,006,200 | 6,650 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,838 |
| Cost of funding earning assets | 1.2176% | 183 |
| Net interest margin | 3.1207% | 5,264 |
| Noninterest income to average assets | 0.1618% | 6,213 |
| Noninterest expense to average assets | 1.2323% | 6,780 |
| Loan and lease loss provision to assets | -0.0832% | 6,602 |
| Net operating income to assets | 1.8334% | 491 |
| Return on assets (ROA) | 1.8334% | 507 |
| Pretax return on assets | 1.8334% | 834 |
| Return on Equity (ROE) | 15.1716% | 775 |
| Retained earnings to average equity (ytd only) | 7.7101% | 1,546 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3178% | 6,726 |
| Assets per employee ($millions) | 6.2141% | 1,107 |
| Cash dividends to net income (ytd only)* | 49.1805% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 6,249 |
| Loan loss allowance to noncurrent loans | 29.0909% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 5,237 |
| Noncurrent loans to loans | 2.8029% | 1,489 |
| Net loans and leases to total assets | 13.9199% | 6,810 |
| Net loans and leases to deposits | 19.7303% | 6,791 |
| Net loans and leases to core deposits | 27.2108% | 6,722 |
| Total domestic deposits to total assets | 70.5509% | 6,574 |
| Equity capital to assets | 10.4797% | 3,302 |
| Core capital (leverage) ratio | 11.0349% | 2,447 |
| Tier 1 risk-based capital ratio | 34.1933% | 366 |
| Total risk-based capital ratio | 34.5515% | 384 |
| Memoranda: | ||
| Average total assets | $57,668,750 | 5,882 |
| Average earning assets | $52,124,250 | 5,898 |
| Average equity | $6,969,000 | 5,646 |
| Average total loans | $8,052,000 | 6,723 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 2,792 |
| Cost of funding earning assets | 1.2122% | 203 |
| Net interest margin | 3.1275% | 5,195 |
| Noninterest income to average assets | 0.1545% | 6,280 |
| Noninterest expense to average assets | 1.2155% | 6,830 |
| Loan and lease loss provision to assets | -0.2026% | 6,786 |
| Net operating income to assets | 1.9674% | 373 |
| Return on assets (ROA) | 1.9674% | 400 |
| Pretax return on assets | 1.9674% | 643 |
| Return on Equity (ROE) | 15.6166% | 714 |
| Retained earnings to average equity (ytd only) | 8.5306% | 1,277 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7834% | 6,784 |
| Assets per employee ($millions) | 5.6802% | 1,437 |
| Cash dividends to net income (ytd only)* | 45.3752% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4987% | 6,708 |
| Loan loss allowance to noncurrent loans | 18.1818% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 5,321 |
| Noncurrent loans to loans | 2.7428% | 1,662 |
| Net loans and leases to total assets | 14.0506% | 6,858 |
| Net loans and leases to deposits | 19.8197% | 6,839 |
| Net loans and leases to core deposits | 26.8531% | 6,766 |
| Total domestic deposits to total assets | 70.8919% | 6,623 |
| Equity capital to assets | 10.4468% | 3,374 |
| Core capital (leverage) ratio | 10.5638% | 2,805 |
| Tier 1 risk-based capital ratio | 34.1328% | 366 |
| Total risk-based capital ratio | 34.3596% | 394 |
| Memoranda: | ||
| Average total assets | $58,249,330 | 5,904 |
| Average earning assets | $52,630,330 | 5,918 |
| Average equity | $7,338,330 | 5,595 |
| Average total loans | $8,119,670 | 6,767 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,729 |
| Cost of funding earning assets | 1.2051% | 227 |
| Net interest margin | 3.1332% | 5,146 |
| Noninterest income to average assets | 0.1628% | 6,285 |
| Noninterest expense to average assets | 1.2548% | 6,892 |
| Loan and lease loss provision to assets | -0.4002% | 6,937 |
| Net operating income to assets | 2.1298% | 274 |
| Return on assets (ROA) | 2.1298% | 300 |
| Pretax return on assets | 2.1298% | 465 |
| Return on Equity (ROE) | 15.6209% | 659 |
| Retained earnings to average equity (ytd only) | 9.1537% | 1,332 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0455% | 6,840 |
| Assets per employee ($millions) | 5.3228% | 1,837 |
| Cash dividends to net income (ytd only)* | 41.4013% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4931% | 6,795 |
| Loan loss allowance to noncurrent loans | 17.0213% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 5,110 |
| Noncurrent loans to loans | 2.8969% | 1,741 |
| Net loans and leases to total assets | 13.7863% | 6,929 |
| Net loans and leases to deposits | 20.1297% | 6,905 |
| Net loans and leases to core deposits | 27.5928% | 6,806 |
| Total domestic deposits to total assets | 68.4873% | 6,795 |
| Equity capital to assets | 13.4293% | 1,234 |
| Core capital (leverage) ratio | 10.3293% | 2,998 |
| Tier 1 risk-based capital ratio | 33.4887% | 395 |
| Total risk-based capital ratio | 33.7161% | 424 |
| Memoranda: | ||
| Average total assets | $58,973,000 | 5,930 |
| Average earning assets | $53,109,000 | 5,941 |
| Average equity | $8,040,500 | 5,474 |
| Average total loans | $8,169,000 | 6,841 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 3,098 |
| Cost of funding earning assets | 1.3099% | 361 |
| Net interest margin | 3.2656% | 5,375 |
| Noninterest income to average assets | 0.1631% | 6,220 |
| Noninterest expense to average assets | 1.2995% | 6,952 |
| Loan and lease loss provision to assets | -0.0051% | 6,815 |
| Net operating income to assets | 1.8498% | 470 |
| Return on assets (ROA) | 1.8498% | 523 |
| Pretax return on assets | 1.8498% | 824 |
| Return on Equity (ROE) | 12.9915% | 1,222 |
| Retained earnings to average equity (ytd only) | -1.3003% | 6,063 |
| Net charge-offs to loans | -0.0121% | 6,492 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3290% | 6,903 |
| Assets per employee ($millions) | 5.3995% | 1,784 |
| Cash dividends to net income (ytd only)* | 110.0092% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 5,044 |
| Loan loss allowance to noncurrent loans | 36.2319% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 5,052 |
| Noncurrent loans to loans | 3.3552% | 1,513 |
| Net loans and leases to total assets | 13.6813% | 6,988 |
| Net loans and leases to deposits | 20.0498% | 6,971 |
| Net loans and leases to core deposits | 26.8761% | 6,898 |
| Total domestic deposits to total assets | 68.2364% | 6,849 |
| Equity capital to assets | 13.8362% | 1,105 |
| Core capital (leverage) ratio | 9.9625% | 3,448 |
| Tier 1 risk-based capital ratio | 32.3326% | 421 |
| Total risk-based capital ratio | 32.8991% | 437 |
| Memoranda: | ||
| Average total assets | $58,870,200 | 5,950 |
| Average earning assets | $53,742,600 | 5,936 |
| Average equity | $8,382,400 | 5,397 |
| Average total loans | $8,293,200 | 6,906 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 3,128 |
| Cost of funding earning assets | 1.3088% | 418 |
| Net interest margin | 3.3117% | 5,349 |
| Noninterest income to average assets | 0.1657% | 6,313 |
| Noninterest expense to average assets | 1.1644% | 7,088 |
| Loan and lease loss provision to assets | 0.0045% | 5,750 |
| Net operating income to assets | 2.0293% | 374 |
| Return on assets (ROA) | 2.0293% | 412 |
| Pretax return on assets | 2.0293% | 666 |
| Return on Equity (ROE) | 14.1505% | 1,075 |
| Retained earnings to average equity (ytd only) | 7.9774% | 1,625 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4088% | 7,068 |
| Assets per employee ($millions) | 5.4166% | 1,715 |
| Cash dividends to net income (ytd only)* | 43.6244% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,179 |
| Loan loss allowance to noncurrent loans | 49.5238% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 5,514 |
| Noncurrent loans to loans | 2.4691% | 2,333 |
| Net loans and leases to total assets | 14.0997% | 7,086 |
| Net loans and leases to deposits | 21.5842% | 7,062 |
| Net loans and leases to core deposits | 29.6551% | 6,971 |
| Total domestic deposits to total assets | 65.3240% | 6,991 |
| Equity capital to assets | 15.1738% | 783 |
| Core capital (leverage) ratio | 10.9650% | 2,426 |
| Tier 1 risk-based capital ratio | 35.7993% | 331 |
| Total risk-based capital ratio | 36.3884% | 345 |
| Memoranda: | ||
| Average total assets | $58,739,000 | 6,017 |
| Average earning assets | $53,788,000 | 6,002 |
| Average equity | $8,423,500 | 5,433 |
| Average total loans | $8,310,000 | 7,000 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 3,132 |
| Cost of funding earning assets | 1.3107% | 502 |
| Net interest margin | 3.3421% | 5,297 |
| Noninterest income to average assets | 0.1676% | 6,342 |
| Noninterest expense to average assets | 1.1803% | 7,151 |
| Loan and lease loss provision to assets | 0.0068% | 5,572 |
| Net operating income to assets | 2.0425% | 366 |
| Return on assets (ROA) | 2.0425% | 409 |
| Pretax return on assets | 2.0425% | 639 |
| Return on Equity (ROE) | 14.5297% | 1,006 |
| Retained earnings to average equity (ytd only) | 8.2018% | 1,572 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5466% | 7,117 |
| Assets per employee ($millions) | 5.4774% | 1,641 |
| Cash dividends to net income (ytd only)* | 43.5511% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 5,068 |
| Loan loss allowance to noncurrent loans | 47.9263% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 5,602 |
| Noncurrent loans to loans | 2.6357% | 2,280 |
| Net loans and leases to total assets | 13.4919% | 7,159 |
| Net loans and leases to deposits | 20.2637% | 7,132 |
| Net loans and leases to core deposits | 27.5345% | 7,063 |
| Total domestic deposits to total assets | 66.5815% | 7,035 |
| Equity capital to assets | 14.1525% | 1,033 |
| Core capital (leverage) ratio | 10.6664% | 2,643 |
| Tier 1 risk-based capital ratio | 34.7529% | 354 |
| Total risk-based capital ratio | 35.3403% | 367 |
| Memoranda: | ||
| Average total assets | $58,457,670 | 6,062 |
| Average earning assets | $53,559,000 | 6,041 |
| Average equity | $8,217,670 | 5,509 |
| Average total loans | $8,245,000 | 7,065 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 2,748 |
| Cost of funding earning assets | 1.3245% | 572 |
| Net interest margin | 3.4483% | 4,920 |
| Noninterest income to average assets | 0.1668% | 6,388 |
| Noninterest expense to average assets | 1.2231% | 7,202 |
| Loan and lease loss provision to assets | 0.0139% | 5,140 |
| Net operating income to assets | 2.0778% | 362 |
| Return on assets (ROA) | 2.0778% | 421 |
| Pretax return on assets | 2.0778% | 658 |
| Return on Equity (ROE) | 14.8332% | 1,006 |
| Retained earnings to average equity (ytd only) | 8.3840% | 1,825 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8973% | 7,167 |
| Assets per employee ($millions) | 5.3606% | 1,826 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 5,091 |
| Loan loss allowance to noncurrent loans | 84.5528% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 6,098 |
| Noncurrent loans to loans | 1.5189% | 3,837 |
| Net loans and leases to total assets | 13.5567% | 7,212 |
| Net loans and leases to deposits | 20.4226% | 7,185 |
| Net loans and leases to core deposits | 27.9990% | 7,103 |
| Total domestic deposits to total assets | 66.3812% | 7,099 |
| Equity capital to assets | 13.9536% | 1,041 |
| Core capital (leverage) ratio | 10.7802% | 2,463 |
| Tier 1 risk-based capital ratio | 24.6905% | 935 |
| Total risk-based capital ratio | 25.1197% | 1,011 |
| Memoranda: | ||
| Average total assets | $57,561,000 | 6,124 |
| Average earning assets | $52,547,000 | 6,119 |
| Average equity | $8,063,000 | 5,577 |
| Average total loans | $8,251,000 | 7,125 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 3,566 |
| Cost of funding earning assets | 1.6213% | 437 |
| Net interest margin | 3.2330% | 6,003 |
| Noninterest income to average assets | 0.1734% | 6,248 |
| Noninterest expense to average assets | 1.3822% | 7,224 |
| Loan and lease loss provision to assets | 0.1041% | 5,284 |
| Net operating income to assets | 1.6406% | 618 |
| Return on assets (ROA) | 1.6406% | 662 |
| Pretax return on assets | 1.6406% | 1,121 |
| Return on Equity (ROE) | 12.4167% | 1,293 |
| Retained earnings to average equity (ytd only) | 2.1788% | 4,663 |
| Net charge-offs to loans | 0.7372% | 2,307 |
| Credit loss provision to net charge-offs | 89.5522% | 4,028 |
| Earnings coverage of net charge-offs (x) | 15.0149% | 1,425 |
| Efficiency ratio | 44.2041% | 7,119 |
| Assets per employee ($millions) | 5.1050% | 2,056 |
| Cash dividends to net income (ytd only)* | 82.4524% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,327 |
| Loan loss allowance to noncurrent loans | 69.8630% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 6,040 |
| Noncurrent loans to loans | 1.7373% | 3,562 |
| Net loans and leases to total assets | 14.7841% | 7,264 |
| Net loans and leases to deposits | 22.8127% | 7,224 |
| Net loans and leases to core deposits | 31.8084% | 7,118 |
| Total domestic deposits to total assets | 64.8063% | 7,160 |
| Equity capital to assets | 14.0646% | 1,038 |
| Core capital (leverage) ratio | 10.6089% | 2,612 |
| Tier 1 risk-based capital ratio | 25.2870% | 845 |
| Total risk-based capital ratio | 25.7304% | 914 |
| Memoranda: | ||
| Average total assets | $57,663,200 | 6,121 |
| Average earning assets | $52,674,800 | 6,096 |
| Average equity | $7,618,800 | 5,684 |
| Average total loans | $9,088,400 | 7,143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 3,450 |
| Cost of funding earning assets | 1.6973% | 401 |
| Net interest margin | 3.2287% | 6,085 |
| Noninterest income to average assets | 0.1746% | 6,339 |
| Noninterest expense to average assets | 1.2313% | 7,333 |
| Loan and lease loss provision to assets | 0.0988% | 5,221 |
| Net operating income to assets | 1.7941% | 526 |
| Return on assets (ROA) | 1.7941% | 572 |
| Pretax return on assets | 1.7941% | 967 |
| Return on Equity (ROE) | 13.7940% | 1,082 |
| Retained earnings to average equity (ytd only) | 6.9058% | 2,027 |
| Net charge-offs to loans | 0.5904% | 2,486 |
| Credit loss provision to net charge-offs | 104.8780% | 3,173 |
| Earnings coverage of net charge-offs (x) | 20.0958% | 1,235 |
| Efficiency ratio | 39.4118% | 7,272 |
| Assets per employee ($millions) | 5.2145% | 1,914 |
| Cash dividends to net income (ytd only)* | 49.9361% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 5,410 |
| Loan loss allowance to noncurrent loans | 20.4797% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 4,863 |
| Noncurrent loans to loans | 5.9274% | 946 |
| Net loans and leases to total assets | 15.7479% | 7,333 |
| Net loans and leases to deposits | 24.4419% | 7,287 |
| Net loans and leases to core deposits | 34.9209% | 7,144 |
| Total domestic deposits to total assets | 64.4299% | 7,241 |
| Equity capital to assets | 14.5066% | 988 |
| Core capital (leverage) ratio | 11.0972% | 2,319 |
| Tier 1 risk-based capital ratio | 26.3603% | 802 |
| Total risk-based capital ratio | 26.8447% | 852 |
| Memoranda: | ||
| Average total assets | $58,040,250 | 6,149 |
| Average earning assets | $53,023,250 | 6,128 |
| Average equity | $7,549,000 | 5,734 |
| Average total loans | $9,259,500 | 7,209 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 3,265 |
| Cost of funding earning assets | 1.8396% | 272 |
| Net interest margin | 3.1386% | 6,308 |
| Noninterest income to average assets | 0.1785% | 6,380 |
| Noninterest expense to average assets | 1.2426% | 7,409 |
| Loan and lease loss provision to assets | 0.0343% | 5,882 |
| Net operating income to assets | 1.7712% | 532 |
| Return on assets (ROA) | 1.7712% | 570 |
| Pretax return on assets | 1.7712% | 928 |
| Return on Equity (ROE) | 14.1531% | 945 |
| Retained earnings to average equity (ytd only) | 7.0217% | 1,869 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7658% | 7,324 |
| Assets per employee ($millions) | 5.0769% | 2,017 |
| Cash dividends to net income (ytd only)* | 50.3876% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 5,238 |
| Loan loss allowance to noncurrent loans | 20.0675% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0618% | 4,766 |
| Noncurrent loans to loans | 6.2978% | 908 |
| Net loans and leases to total assets | 16.6476% | 7,404 |
| Net loans and leases to deposits | 24.6337% | 7,365 |
| Net loans and leases to core deposits | 35.4496% | 7,232 |
| Total domestic deposits to total assets | 67.5805% | 7,213 |
| Equity capital to assets | 13.8452% | 1,150 |
| Core capital (leverage) ratio | 10.5464% | 2,664 |
| Tier 1 risk-based capital ratio | 26.7858% | 742 |
| Total risk-based capital ratio | 27.3255% | 788 |
| Memoranda: | ||
| Average total assets | $58,267,000 | 6,199 |
| Average earning assets | $53,273,000 | 6,173 |
| Average equity | $7,291,670 | 5,841 |
| Average total loans | $9,298,000 | 7,278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 3,570 |
| Cost of funding earning assets | 1.9587% | 191 |
| Net interest margin | 2.9454% | 6,684 |
| Noninterest income to average assets | 0.1749% | 6,479 |
| Noninterest expense to average assets | 1.3047% | 7,455 |
| Loan and lease loss provision to assets | 0.0673% | 5,154 |
| Net operating income to assets | 1.4930% | 885 |
| Return on assets (ROA) | 1.4930% | 930 |
| Pretax return on assets | 1.4930% | 1,469 |
| Return on Equity (ROE) | 12.5574% | 1,311 |
| Retained earnings to average equity (ytd only) | 5.2040% | 3,055 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5399% | 7,222 |
| Assets per employee ($millions) | 5.5074% | 1,572 |
| Cash dividends to net income (ytd only)* | 58.5586% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 5,049 |
| Loan loss allowance to noncurrent loans | 20.4117% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 4,975 |
| Noncurrent loans to loans | 6.4520% | 932 |
| Net loans and leases to total assets | 14.7191% | 7,478 |
| Net loans and leases to deposits | 23.9627% | 7,436 |
| Net loans and leases to core deposits | 34.7262% | 7,291 |
| Total domestic deposits to total assets | 61.4252% | 7,413 |
| Equity capital to assets | 11.9179% | 1,968 |
| Core capital (leverage) ratio | 9.9109% | 3,256 |
| Tier 1 risk-based capital ratio | 25.3835% | 839 |
| Total risk-based capital ratio | 25.9096% | 891 |
| Memoranda: | ||
| Average total assets | $59,477,500 | 6,199 |
| Average earning assets | $54,322,000 | 6,186 |
| Average equity | $7,071,500 | 5,907 |
| Average total loans | $9,239,000 | 7,336 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 5,214 |
| Cost of funding earning assets | 2.5022% | 105 |
| Net interest margin | 2.3525% | 7,342 |
| Noninterest income to average assets | 0.1841% | 6,439 |
| Noninterest expense to average assets | 1.3488% | 7,505 |
| Loan and lease loss provision to assets | 0.0378% | 6,786 |
| Net operating income to assets | 0.9490% | 2,205 |
| Return on assets (ROA) | 1.2150% | 1,454 |
| Pretax return on assets | 1.2150% | 2,174 |
| Return on Equity (ROE) | 10.6462% | 1,709 |
| Retained earnings to average equity (ytd only) | 3.4752% | 3,439 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9973% | 6,594 |
| Assets per employee ($millions) | 5.3067% | 1,746 |
| Cash dividends to net income (ytd only)* | 67.3575% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 5,716 |
| Loan loss allowance to noncurrent loans | 16.0767% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 4,687 |
| Noncurrent loans to loans | 7.1807% | 772 |
| Net loans and leases to total assets | 15.9883% | 7,555 |
| Net loans and leases to deposits | 27.2496% | 7,495 |
| Net loans and leases to core deposits | 40.1143% | 7,303 |
| Total domestic deposits to total assets | 58.6734% | 7,520 |
| Equity capital to assets | 11.8597% | 1,998 |
| Core capital (leverage) ratio | 9.5889% | 3,574 |
| Tier 1 risk-based capital ratio | 25.8262% | 772 |
| Total risk-based capital ratio | 26.3245% | 820 |
| Memoranda: | ||
| Average total assets | $63,538,400 | 6,076 |
| Average earning assets | $58,109,000 | 6,060 |
| Average equity | $7,251,400 | 5,946 |
| Average total loans | $9,390,600 | 7,418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 5,536 |
| Cost of funding earning assets | 2.6164% | 90 |
| Net interest margin | 2.2163% | 7,511 |
| Noninterest income to average assets | 0.1748% | 6,631 |
| Noninterest expense to average assets | 1.2689% | 7,642 |
| Loan and lease loss provision to assets | 0.0494% | 6,592 |
| Net operating income to assets | 0.8844% | 2,677 |
| Return on assets (ROA) | 1.2319% | 1,586 |
| Pretax return on assets | 1.2319% | 2,387 |
| Return on Equity (ROE) | 10.8904% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.7998% | 3,784 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7423% | 6,593 |
| Assets per employee ($millions) | 5.6242% | 1,518 |
| Cash dividends to net income (ytd only)* | 65.1086% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 5,651 |
| Loan loss allowance to noncurrent loans | 17.5241% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 1.5550% | 4,113 |
| Noncurrent loans to loans | 6.6410% | 884 |
| Net loans and leases to total assets | 14.9630% | 7,666 |
| Net loans and leases to deposits | 27.1586% | 7,600 |
| Net loans and leases to core deposits | 40.0684% | 7,425 |
| Total domestic deposits to total assets | 55.0949% | 7,648 |
| Equity capital to assets | 12.2442% | 2,011 |
| Core capital (leverage) ratio | 9.3231% | 4,175 |
| Tier 1 risk-based capital ratio | 24.2330% | 921 |
| Total risk-based capital ratio | 24.7047% | 984 |
| Memoranda: | ||
| Average total assets | $64,829,500 | 6,106 |
| Average earning assets | $59,315,500 | 6,086 |
| Average equity | $7,333,500 | 6,007 |
| Average total loans | $9,377,750 | 7,516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 5,727 |
| Cost of funding earning assets | 2.7603% | 71 |
| Net interest margin | 2.0578% | 7,631 |
| Noninterest income to average assets | 0.1702% | 6,688 |
| Noninterest expense to average assets | 1.2884% | 7,713 |
| Loan and lease loss provision to assets | 0.0790% | 6,150 |
| Net operating income to assets | 0.6898% | 3,446 |
| Return on assets (ROA) | 1.2003% | 1,632 |
| Pretax return on assets | 1.2003% | 2,415 |
| Return on Equity (ROE) | 10.8920% | 1,786 |
| Retained earnings to average equity (ytd only) | 3.7226% | 3,734 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7090% | 5,917 |
| Assets per employee ($millions) | 5.6244% | 1,512 |
| Cash dividends to net income (ytd only)* | 65.8228% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 5,501 |
| Loan loss allowance to noncurrent loans | 19.4737% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 4,212 |
| Noncurrent loans to loans | 6.1172% | 1,035 |
| Net loans and leases to total assets | 14.8817% | 7,730 |
| Net loans and leases to deposits | 27.1890% | 7,674 |
| Net loans and leases to core deposits | 39.7179% | 7,493 |
| Total domestic deposits to total assets | 54.7343% | 7,713 |
| Equity capital to assets | 12.0595% | 2,064 |
| Core capital (leverage) ratio | 8.9047% | 4,744 |
| Tier 1 risk-based capital ratio | 24.5399% | 888 |
| Total risk-based capital ratio | 25.0333% | 948 |
| Memoranda: | ||
| Average total assets | $65,817,330 | 6,111 |
| Average earning assets | $60,355,330 | 6,089 |
| Average equity | $7,253,000 | 6,049 |
| Average total loans | $9,381,670 | 7,577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 5,840 |
| Cost of funding earning assets | 2.8670% | 67 |
| Net interest margin | 1.9477% | 7,737 |
| Noninterest income to average assets | 0.1652% | 6,784 |
| Noninterest expense to average assets | 1.3394% | 7,789 |
| Loan and lease loss provision to assets | 0.0059% | 6,529 |
| Net operating income to assets | 0.6077% | 3,859 |
| Return on assets (ROA) | 1.5931% | 816 |
| Pretax return on assets | 1.5931% | 1,279 |
| Return on Equity (ROE) | 15.1070% | 855 |
| Retained earnings to average equity (ytd only) | 7.8333% | 1,776 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4653% | 5,018 |
| Assets per employee ($millions) | 5.9934% | 1,261 |
| Cash dividends to net income (ytd only)* | 48.1481% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 6,728 |
| Loan loss allowance to noncurrent loans | 27.0440% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 5,107 |
| Noncurrent loans to loans | 3.4531% | 2,308 |
| Net loans and leases to total assets | 13.8380% | 7,839 |
| Net loans and leases to deposits | 26.4772% | 7,772 |
| Net loans and leases to core deposits | 36.9711% | 7,636 |
| Total domestic deposits to total assets | 52.2639% | 7,823 |
| Equity capital to assets | 11.0091% | 2,751 |
| Core capital (leverage) ratio | 8.3184% | 5,708 |
| Tier 1 risk-based capital ratio | 23.8214% | 981 |
| Total risk-based capital ratio | 24.1927% | 1,061 |
| Memoranda: | ||
| Average total assets | $67,792,000 | 6,116 |
| Average earning assets | $62,226,000 | 6,073 |
| Average equity | $7,149,000 | 6,134 |
| Average total loans | $9,413,500 | 7,674 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 6,056 |
| Cost of funding earning assets | 3.3170% | 89 |
| Net interest margin | 1.7915% | 7,806 |
| Noninterest income to average assets | 0.1591% | 6,934 |
| Noninterest expense to average assets | 1.2600% | 7,892 |
| Loan and lease loss provision to assets | 0.0639% | 6,931 |
| Net operating income to assets | 0.5000% | 3,728 |
| Return on assets (ROA) | 0.5014% | 3,818 |
| Pretax return on assets | 0.5014% | 4,182 |
| Return on Equity (ROE) | 5.3364% | 3,511 |
| Retained earnings to average equity (ytd only) | -3.3107% | 5,754 |
| Net charge-offs to loans | 1.2366% | 1,998 |
| Credit loss provision to net charge-offs | 34.6154% | 6,871 |
| Earnings coverage of net charge-offs (x) | 3.0538% | 3,546 |
| Efficiency ratio | 66.8224% | 5,220 |
| Assets per employee ($millions) | 6.9657% | 812 |
| Cash dividends to net income (ytd only)* | 162.0397% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 6,879 |
| Loan loss allowance to noncurrent loans | 25.8359% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 5,141 |
| Noncurrent loans to loans | 3.4207% | 2,232 |
| Net loans and leases to total assets | 13.6856% | 7,916 |
| Net loans and leases to deposits | 27.4149% | 7,847 |
| Net loans and leases to core deposits | 44.9352% | 7,688 |
| Total domestic deposits to total assets | 49.9203% | 7,905 |
| Equity capital to assets | 10.1067% | 3,610 |
| Core capital (leverage) ratio | 7.9241% | 6,292 |
| Tier 1 risk-based capital ratio | 22.4170% | 1,107 |
| Total risk-based capital ratio | 22.7717% | 1,185 |
| Memoranda: | ||
| Average total assets | $70,396,600 | 5,988 |
| Average earning assets | $65,421,000 | 5,947 |
| Average equity | $6,615,000 | 6,388 |
| Average total loans | $10,513,000 | 7,681 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1535% | 6,096 |
| Cost of funding earning assets | 3.4154% | 98 |
| Net interest margin | 1.7381% | 7,907 |
| Noninterest income to average assets | 0.1625% | 7,039 |
| Noninterest expense to average assets | 1.1769% | 7,998 |
| Loan and lease loss provision to assets | 0.0321% | 7,033 |
| Net operating income to assets | 0.5724% | 3,721 |
| Return on assets (ROA) | 0.5743% | 3,778 |
| Pretax return on assets | 0.5743% | 4,283 |
| Return on Equity (ROE) | 6.2273% | 3,428 |
| Retained earnings to average equity (ytd only) | -2.8270% | 5,903 |
| Net charge-offs to loans | 0.0373% | 6,381 |
| Credit loss provision to net charge-offs | 566.6667% | 685 |
| Earnings coverage of net charge-offs (x) | 106.6650% | 341 |
| Efficiency ratio | 63.8388% | 5,786 |
| Assets per employee ($millions) | 6.4163% | 1,022 |
| Cash dividends to net income (ytd only)* | 145.3962% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 2,605 |
| Loan loss allowance to noncurrent loans | 21.2717% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 4,615 |
| Noncurrent loans to loans | 8.0189% | 606 |
| Net loans and leases to total assets | 15.0229% | 7,992 |
| Net loans and leases to deposits | 31.0692% | 7,892 |
| Net loans and leases to core deposits | 53.1505% | 7,619 |
| Total domestic deposits to total assets | 48.3529% | 7,986 |
| Equity capital to assets | 10.0965% | 3,964 |
| Core capital (leverage) ratio | 7.7848% | 6,624 |
| Tier 1 risk-based capital ratio | 22.1833% | 1,203 |
| Total risk-based capital ratio | 22.9328% | 1,243 |
| Memoranda: | ||
| Average total assets | $70,581,500 | 6,021 |
| Average earning assets | $65,740,750 | 5,971 |
| Average equity | $6,508,750 | 6,481 |
| Average total loans | $10,736,750 | 7,744 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 6,158 |
| Cost of funding earning assets | 3.4996% | 112 |
| Net interest margin | 1.6768% | 7,970 |
| Noninterest income to average assets | 0.1615% | 7,119 |
| Noninterest expense to average assets | 1.1929% | 8,087 |
| Loan and lease loss provision to assets | 0.0312% | 6,930 |
| Net operating income to assets | 0.4987% | 4,097 |
| Return on assets (ROA) | 0.5015% | 4,204 |
| Pretax return on assets | 0.5015% | 4,609 |
| Return on Equity (ROE) | 5.6164% | 3,817 |
| Retained earnings to average equity (ytd only) | -4.2837% | 6,185 |
| Net charge-offs to loans | 0.0187% | 6,258 |
| Credit loss provision to net charge-offs | 1,100.0000% | 445 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 219 |
| Efficiency ratio | 66.9408% | 5,374 |
| Assets per employee ($millions) | 5.9192% | 1,257 |
| Cash dividends to net income (ytd only)* | 176.2712% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 2,478 |
| Loan loss allowance to noncurrent loans | 22.5564% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1235% | 4,706 |
| Noncurrent loans to loans | 7.3739% | 641 |
| Net loans and leases to total assets | 14.9824% | 8,076 |
| Net loans and leases to deposits | 32.1939% | 7,965 |
| Net loans and leases to core deposits | 52.6832% | 7,690 |
| Total domestic deposits to total assets | 46.5381% | 8,077 |
| Equity capital to assets | 8.6344% | 5,844 |
| Core capital (leverage) ratio | 7.6526% | 6,821 |
| Tier 1 risk-based capital ratio | 22.2622% | 1,216 |
| Total risk-based capital ratio | 22.9986% | 1,265 |
| Memoranda: | ||
| Average total assets | $70,582,330 | 6,065 |
| Average earning assets | $65,721,670 | 6,019 |
| Average equity | $6,303,000 | 6,608 |
| Average total loans | $10,720,000 | 7,828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 5,880 |
| Cost of funding earning assets | 3.5419% | 132 |
| Net interest margin | 1.7618% | 7,983 |
| Noninterest income to average assets | 0.1649% | 7,126 |
| Noninterest expense to average assets | 1.0347% | 8,162 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7675% | 3,268 |
| Return on assets (ROA) | 0.7675% | 3,442 |
| Pretax return on assets | 0.7675% | 4,197 |
| Return on Equity (ROE) | 8.4534% | 2,942 |
| Retained earnings to average equity (ytd only) | -1.3150% | 5,966 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2050% | 7,077 |
| Assets per employee ($millions) | 5.8746% | 1,270 |
| Cash dividends to net income (ytd only)* | 115.5556% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 2,520 |
| Loan loss allowance to noncurrent loans | 23.3838% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 4,634 |
| Noncurrent loans to loans | 6.8411% | 605 |
| Net loans and leases to total assets | 14.8337% | 8,130 |
| Net loans and leases to deposits | 32.5976% | 8,004 |
| Net loans and leases to core deposits | 50.6736% | 7,767 |
| Total domestic deposits to total assets | 45.5054% | 8,125 |
| Equity capital to assets | 9.3766% | 4,838 |
| Core capital (leverage) ratio | 7.9297% | 6,570 |
| Tier 1 risk-based capital ratio | 22.8529% | 1,208 |
| Total risk-based capital ratio | 23.5532% | 1,231 |
| Memoranda: | ||
| Average total assets | $70,358,500 | 6,106 |
| Average earning assets | $65,388,000 | 6,061 |
| Average equity | $6,388,000 | 6,621 |
| Average total loans | $10,669,000 | 7,875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 7,314 |
| Cost of funding earning assets | 3.9854% | 105 |
| Net interest margin | 1.5085% | 8,184 |
| Noninterest income to average assets | 0.1674% | 7,223 |
| Noninterest expense to average assets | 1.0683% | 8,194 |
| Loan and lease loss provision to assets | 0.1184% | 5,851 |
| Net operating income to assets | 0.3946% | 5,172 |
| Return on assets (ROA) | 0.4123% | 4,919 |
| Pretax return on assets | 0.4123% | 5,225 |
| Return on Equity (ROE) | 5.2749% | 4,250 |
| Retained earnings to average equity (ytd only) | -5.5882% | 6,602 |
| Net charge-offs to loans | 0.4558% | 2,555 |
| Credit loss provision to net charge-offs | 174.0000% | 2,927 |
| Earnings coverage of net charge-offs (x) | 7.5400% | 3,086 |
| Efficiency ratio | 65.0602% | 5,310 |
| Assets per employee ($millions) | 5.8518% | 1,231 |
| Cash dividends to net income (ytd only)* | 205.9406% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 2,300 |
| Loan loss allowance to noncurrent loans | 22.1643% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 3,914 |
| Noncurrent loans to loans | 7.1609% | 415 |
| Net loans and leases to total assets | 15.0110% | 8,188 |
| Net loans and leases to deposits | 32.8073% | 8,084 |
| Net loans and leases to core deposits | 53.8136% | 7,808 |
| Total domestic deposits to total assets | 45.7549% | 8,153 |
| Equity capital to assets | 8.7807% | 5,685 |
| Core capital (leverage) ratio | 7.7989% | 6,801 |
| Tier 1 risk-based capital ratio | 23.8120% | 1,107 |
| Total risk-based capital ratio | 24.5398% | 1,136 |
| Memoranda: | ||
| Average total assets | $73,483,200 | 5,923 |
| Average earning assets | $68,876,000 | 5,861 |
| Average equity | $5,744,200 | 6,903 |
| Average total loans | $10,968,600 | 7,891 |