Home > Welcome State Bank > Performance and Condition Ratios
Welcome State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 2,452 |
| Cost of funding earning assets | 0.6494% | 4,000 |
| Net interest margin | 4.1594% | 992 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.3809% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0534% | 433 |
| Return on assets (ROA) | 1.6008% | 834 |
| Pretax return on assets | 1.7153% | 1,038 |
| Return on Equity (ROE) | 16.4400% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.0329% | 1,888 |
| Net charge-offs to loans | 0.0748% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 51.2778% | 1,280 |
| Efficiency ratio | 51.9521% | 3,836 |
| Assets per employee ($millions) | 7.0882% | 2,022 |
| Cash dividends to net income (ytd only)* | 57.2280% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 502 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 56.2200% | 3,172 |
| Net loans and leases to deposits | 63.0897% | 3,341 |
| Net loans and leases to core deposits | 63.9554% | 3,593 |
| Total domestic deposits to total assets | 89.1200% | 1,028 |
| Equity capital to assets | 10.4517% | 1,747 |
| Core capital (leverage) ratio | 10.6753% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3996% | 847 |
| Memoranda: | ||
| Average total assets | $41,917,800 | 4,379 |
| Average earning assets | $39,115,800 | 4,352 |
| Average equity | $4,080,800 | 4,348 |
| Average total loans | $24,069,200 | 4,233 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 2,541 |
| Cost of funding earning assets | 0.5811% | 4,004 |
| Net interest margin | 4.0850% | 1,092 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.0431% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.3624% | 304 |
| Return on assets (ROA) | 2.3624% | 297 |
| Pretax return on assets | 2.4741% | 392 |
| Return on Equity (ROE) | 24.7300% | 395 |
| Retained earnings to average equity (ytd only) | 11.8969% | 990 |
| Net charge-offs to loans | 0.1000% | 784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 43.0556% | 1,405 |
| Efficiency ratio | 45.2297% | 4,175 |
| Assets per employee ($millions) | 8.3540% | 1,184 |
| Cash dividends to net income (ytd only)* | 51.8919% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 571 |
| Loan loss allowance to noncurrent loans | 8,960.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,732 |
| Noncurrent loans to loans | 0.0201% | 3,622 |
| Net loans and leases to total assets | 58.6100% | 2,977 |
| Net loans and leases to deposits | 65.4397% | 3,181 |
| Net loans and leases to core deposits | 66.3406% | 3,408 |
| Total domestic deposits to total assets | 89.5600% | 1,051 |
| Equity capital to assets | 9.9066% | 1,877 |
| Core capital (leverage) ratio | 10.9729% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3839% | 668 |
| Memoranda: | ||
| Average total assets | $41,765,000 | 4,395 |
| Average earning assets | $39,003,500 | 4,371 |
| Average equity | $3,989,750 | 4,368 |
| Average total loans | $23,996,750 | 4,252 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 2,656 |
| Cost of funding earning assets | 0.4590% | 4,062 |
| Net interest margin | 4.0341% | 1,188 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.1358% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2412% | 334 |
| Return on assets (ROA) | 2.2412% | 328 |
| Pretax return on assets | 2.3561% | 429 |
| Return on Equity (ROE) | 23.7500% | 444 |
| Retained earnings to average equity (ytd only) | 8.0704% | 1,936 |
| Net charge-offs to loans | 0.1689% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,646 |
| Efficiency ratio | 47.5480% | 4,090 |
| Assets per employee ($millions) | 8.0410% | 1,296 |
| Cash dividends to net income (ytd only)* | 66.0256% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 642 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 61.1600% | 2,650 |
| Net loans and leases to deposits | 69.8214% | 2,799 |
| Net loans and leases to core deposits | 70.3246% | 3,106 |
| Total domestic deposits to total assets | 87.5900% | 1,751 |
| Equity capital to assets | 9.9515% | 1,885 |
| Core capital (leverage) ratio | 10.7280% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3784% | 680 |
| Memoranda: | ||
| Average total assets | $41,763,333 | 4,419 |
| Average earning assets | $39,216,000 | 4,395 |
| Average equity | $3,940,333 | 4,397 |
| Average total loans | $23,686,000 | 4,271 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 2,862 |
| Cost of funding earning assets | 0.3513% | 4,072 |
| Net interest margin | 3.9240% | 1,422 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.0685% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1625% | 392 |
| Return on assets (ROA) | 2.1625% | 386 |
| Pretax return on assets | 2.2848% | 501 |
| Return on Equity (ROE) | 23.5300% | 477 |
| Retained earnings to average equity (ytd only) | 5.6266% | 2,864 |
| Net charge-offs to loans | 0.1564% | 442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,345 |
| Efficiency ratio | 47.5162% | 4,114 |
| Assets per employee ($millions) | 6.8968% | 2,047 |
| Cash dividends to net income (ytd only)* | 76.0870% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 478 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.2800% | 3,092 |
| Net loans and leases to deposits | 61.5426% | 3,257 |
| Net loans and leases to core deposits | 61.5426% | 3,470 |
| Total domestic deposits to total assets | 89.8300% | 1,220 |
| Equity capital to assets | 9.6107% | 2,057 |
| Core capital (leverage) ratio | 10.3074% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5330% | 789 |
| Memoranda: | ||
| Average total assets | $42,542,500 | 4,482 |
| Average earning assets | $39,857,000 | 4,457 |
| Average equity | $3,910,000 | 4,461 |
| Average total loans | $23,011,500 | 4,348 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 2,442 |
| Cost of funding earning assets | 0.2193% | 3,603 |
| Net interest margin | 3.5149% | 1,883 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.5047% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3835% | 1,171 |
| Return on assets (ROA) | 1.3835% | 1,127 |
| Pretax return on assets | 1.5345% | 1,348 |
| Return on Equity (ROE) | 14.6800% | 1,347 |
| Retained earnings to average equity (ytd only) | 4.0183% | 3,391 |
| Net charge-offs to loans | 0.3329% | 228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.0519% | 2,279 |
| Efficiency ratio | 62.0098% | 2,764 |
| Assets per employee ($millions) | 7.2840% | 1,765 |
| Cash dividends to net income (ytd only)* | 72.6297% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 393 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.8500% | 3,445 |
| Net loans and leases to deposits | 58.9887% | 3,401 |
| Net loans and leases to core deposits | 58.9887% | 3,555 |
| Total domestic deposits to total assets | 86.2000% | 2,675 |
| Equity capital to assets | 8.7932% | 2,495 |
| Core capital (leverage) ratio | 9.9044% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6751% | 654 |
| Memoranda: | ||
| Average total assets | $40,404,800 | 4,525 |
| Average earning assets | $37,839,200 | 4,501 |
| Average equity | $3,807,600 | 4,547 |
| Average total loans | $23,130,200 | 4,356 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 2,426 |
| Cost of funding earning assets | 0.2145% | 3,097 |
| Net interest margin | 3.3535% | 2,124 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.0751% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5900% | 671 |
| Return on assets (ROA) | 1.5900% | 652 |
| Pretax return on assets | 1.7955% | 739 |
| Return on Equity (ROE) | 16.5700% | 878 |
| Retained earnings to average equity (ytd only) | 2.3165% | 3,956 |
| Net charge-offs to loans | -0.1090% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.6118% | 3,853 |
| Assets per employee ($millions) | 6.8918% | 2,028 |
| Cash dividends to net income (ytd only)* | 86.0169% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4232% | 249 |
| Loan loss allowance to noncurrent loans | 353.4591% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 1,406 |
| Noncurrent loans to loans | 0.6856% | 1,190 |
| Net loans and leases to total assets | 54.7300% | 3,030 |
| Net loans and leases to deposits | 60.5485% | 3,147 |
| Net loans and leases to core deposits | 61.3695% | 3,275 |
| Total domestic deposits to total assets | 90.3800% | 1,487 |
| Equity capital to assets | 8.9333% | 2,254 |
| Core capital (leverage) ratio | 9.8769% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0590% | 856 |
| Memoranda: | ||
| Average total assets | $39,580,000 | 4,566 |
| Average earning assets | $37,293,500 | 4,537 |
| Average equity | $3,798,750 | 4,588 |
| Average total loans | $23,240,250 | 4,389 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 2,368 |
| Cost of funding earning assets | 0.2172% | 2,677 |
| Net interest margin | 3.2040% | 2,172 |
| Noninterest income to average assets | 0.7079% | 1,301 |
| Noninterest expense to average assets | 2.0570% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4619% | 774 |
| Return on assets (ROA) | 1.4619% | 755 |
| Pretax return on assets | 1.6774% | 794 |
| Return on Equity (ROE) | 14.8683% | 919 |
| Retained earnings to average equity (ytd only) | -3.2345% | 4,466 |
| Net charge-offs to loans | -0.0430% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0824% | 3,865 |
| Assets per employee ($millions) | 6.4362% | 2,361 |
| Cash dividends to net income (ytd only)* | 121.7544% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3739% | 298 |
| Loan loss allowance to noncurrent loans | 441.9355% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 1,720 |
| Noncurrent loans to loans | 0.5372% | 1,539 |
| Net loans and leases to total assets | 58.3577% | 2,492 |
| Net loans and leases to deposits | 65.1160% | 2,628 |
| Net loans and leases to core deposits | 66.0705% | 2,812 |
| Total domestic deposits to total assets | 89.6212% | 1,892 |
| Equity capital to assets | 9.6460% | 1,911 |
| Core capital (leverage) ratio | 10.3062% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1834% | 827 |
| Memoranda: | ||
| Average total assets | $38,989,667 | 4,616 |
| Average earning assets | $36,829,333 | 4,602 |
| Average equity | $3,833,667 | 4,627 |
| Average total loans | $23,256,333 | 4,443 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3111% | 2,353 |
| Cost of funding earning assets | 0.2164% | 2,573 |
| Net interest margin | 3.0947% | 2,193 |
| Noninterest income to average assets | 0.7045% | 1,306 |
| Noninterest expense to average assets | 1.9910% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3988% | 802 |
| Return on assets (ROA) | 1.3988% | 796 |
| Pretax return on assets | 1.6337% | 785 |
| Return on Equity (ROE) | 14.0947% | 819 |
| Retained earnings to average equity (ytd only) | -13.2716% | 4,620 |
| Net charge-offs to loans | -0.0343% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9296% | 3,986 |
| Assets per employee ($millions) | 7.7360% | 1,529 |
| Cash dividends to net income (ytd only)* | 194.1606% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 339 |
| Loan loss allowance to noncurrent loans | 302.7778% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 1,313 |
| Noncurrent loans to loans | 0.7778% | 1,225 |
| Net loans and leases to total assets | 58.4178% | 2,255 |
| Net loans and leases to deposits | 65.2328% | 2,408 |
| Net loans and leases to core deposits | 66.1882% | 2,618 |
| Total domestic deposits to total assets | 89.5527% | 1,787 |
| Equity capital to assets | 9.6484% | 2,179 |
| Core capital (leverage) ratio | 10.0959% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9050% | 915 |
| Memoranda: | ||
| Average total assets | $39,176,000 | 4,640 |
| Average earning assets | $36,967,000 | 4,624 |
| Average equity | $3,888,000 | 4,660 |
| Average total loans | $23,342,500 | 4,458 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 987 |
| Cost of funding earning assets | 0.2875% | 2,531 |
| Net interest margin | 3.9157% | 827 |
| Noninterest income to average assets | 0.8154% | 1,412 |
| Noninterest expense to average assets | 2.5746% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6923% | 642 |
| Return on assets (ROA) | 1.6923% | 667 |
| Pretax return on assets | 1.8822% | 760 |
| Return on Equity (ROE) | 16.4775% | 681 |
| Retained earnings to average equity (ytd only) | 8.0175% | 1,536 |
| Net charge-offs to loans | 0.0372% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 78.2222% | 1,012 |
| Efficiency ratio | 57.7684% | 3,477 |
| Assets per employee ($millions) | 7.9344% | 1,363 |
| Cash dividends to net income (ytd only)* | 51.3428% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3063% | 378 |
| Loan loss allowance to noncurrent loans | 258.5714% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 1,263 |
| Noncurrent loans to loans | 0.8919% | 1,137 |
| Net loans and leases to total assets | 57.9779% | 2,377 |
| Net loans and leases to deposits | 65.9981% | 2,517 |
| Net loans and leases to core deposits | 66.9587% | 2,736 |
| Total domestic deposits to total assets | 87.8479% | 2,127 |
| Equity capital to assets | 10.1936% | 2,478 |
| Core capital (leverage) ratio | 10.3643% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6473% | 800 |
| Memoranda: | ||
| Average total assets | $37,403,800 | 4,687 |
| Average earning assets | $34,783,000 | 4,671 |
| Average equity | $3,841,600 | 4,716 |
| Average total loans | $24,176,000 | 4,494 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 1,052 |
| Cost of funding earning assets | 0.3004% | 2,590 |
| Net interest margin | 3.9367% | 877 |
| Noninterest income to average assets | 0.6298% | 2,100 |
| Noninterest expense to average assets | 2.2151% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0631% | 417 |
| Return on assets (ROA) | 2.0631% | 441 |
| Pretax return on assets | 2.0667% | 714 |
| Return on Equity (ROE) | 20.1894% | 417 |
| Retained earnings to average equity (ytd only) | 9.4217% | 1,528 |
| Net charge-offs to loans | 0.0164% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 190.3333% | 572 |
| Efficiency ratio | 51.7329% | 4,047 |
| Assets per employee ($millions) | 7.6162% | 1,498 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2918% | 398 |
| Loan loss allowance to noncurrent loans | 336.8098% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 1,745 |
| Noncurrent loans to loans | 0.6804% | 1,617 |
| Net loans and leases to total assets | 61.4637% | 2,084 |
| Net loans and leases to deposits | 68.9649% | 2,333 |
| Net loans and leases to core deposits | 69.9961% | 2,597 |
| Total domestic deposits to total assets | 89.1232% | 1,214 |
| Equity capital to assets | 10.2912% | 2,620 |
| Core capital (leverage) ratio | 10.1950% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3764% | 1,069 |
| Memoranda: | ||
| Average total assets | $36,836,750 | 4,762 |
| Average earning assets | $34,173,000 | 4,747 |
| Average equity | $3,764,250 | 4,791 |
| Average total loans | $24,334,000 | 4,549 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 1,226 |
| Cost of funding earning assets | 0.3152% | 2,638 |
| Net interest margin | 3.8600% | 1,042 |
| Noninterest income to average assets | 0.6150% | 2,150 |
| Noninterest expense to average assets | 2.2129% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9604% | 520 |
| Return on assets (ROA) | 1.9604% | 545 |
| Pretax return on assets | 1.9658% | 892 |
| Return on Equity (ROE) | 19.2315% | 519 |
| Retained earnings to average equity (ytd only) | 6.6260% | 2,573 |
| Net charge-offs to loans | -0.0082% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9566% | 3,936 |
| Assets per employee ($millions) | 6.2668% | 2,370 |
| Cash dividends to net income (ytd only)* | 65.5462% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2006% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.3626% | 1,777 |
| Net loans and leases to deposits | 73.2592% | 2,071 |
| Net loans and leases to core deposits | 74.3676% | 2,374 |
| Total domestic deposits to total assets | 89.2210% | 1,177 |
| Equity capital to assets | 10.0476% | 2,812 |
| Core capital (leverage) ratio | 10.0540% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1448% | 1,301 |
| Memoranda: | ||
| Average total assets | $36,422,000 | 4,796 |
| Average earning assets | $33,627,000 | 4,783 |
| Average equity | $3,712,667 | 4,827 |
| Average total loans | $24,460,333 | 4,580 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 1,351 |
| Cost of funding earning assets | 0.3297% | 2,708 |
| Net interest margin | 3.7858% | 1,170 |
| Noninterest income to average assets | 0.6251% | 2,109 |
| Noninterest expense to average assets | 2.2438% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8307% | 743 |
| Return on assets (ROA) | 1.8307% | 798 |
| Pretax return on assets | 1.8419% | 1,214 |
| Return on Equity (ROE) | 17.8261% | 748 |
| Retained earnings to average equity (ytd only) | 4.2391% | 3,438 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9180% | 3,680 |
| Assets per employee ($millions) | 6.0870% | 2,510 |
| Cash dividends to net income (ytd only)* | 76.2195% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 375 |
| Loan loss allowance to noncurrent loans | 5,018.1818% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,145 |
| Noncurrent loans to loans | 0.0455% | 4,060 |
| Net loans and leases to total assets | 64.7391% | 1,948 |
| Net loans and leases to deposits | 73.1469% | 2,199 |
| Net loans and leases to core deposits | 74.2961% | 2,487 |
| Total domestic deposits to total assets | 88.5056% | 1,605 |
| Equity capital to assets | 10.1172% | 2,594 |
| Core capital (leverage) ratio | 10.3444% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1353% | 1,262 |
| Memoranda: | ||
| Average total assets | $35,832,500 | 4,822 |
| Average earning assets | $32,754,000 | 4,812 |
| Average equity | $3,680,000 | 4,855 |
| Average total loans | $24,125,500 | 4,613 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 1,235 |
| Cost of funding earning assets | 0.5115% | 2,876 |
| Net interest margin | 4.0191% | 935 |
| Noninterest income to average assets | 0.7688% | 1,634 |
| Noninterest expense to average assets | 2.7990% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6247% | 611 |
| Return on assets (ROA) | 1.6247% | 659 |
| Pretax return on assets | 1.6277% | 1,008 |
| Return on Equity (ROE) | 15.2018% | 608 |
| Retained earnings to average equity (ytd only) | 4.6645% | 2,441 |
| Net charge-offs to loans | 0.0243% | 2,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 842 |
| Efficiency ratio | 63.2293% | 2,938 |
| Assets per employee ($millions) | 5.8572% | 2,491 |
| Cash dividends to net income (ytd only)* | 69.3161% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2947% | 356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.8782% | 1,968 |
| Net loans and leases to deposits | 75.7306% | 2,309 |
| Net loans and leases to core deposits | 76.9707% | 2,637 |
| Total domestic deposits to total assets | 88.3106% | 1,325 |
| Equity capital to assets | 10.4288% | 2,731 |
| Core capital (leverage) ratio | 10.4369% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1201% | 1,233 |
| Memoranda: | ||
| Average total assets | $33,298,200 | 4,846 |
| Average earning assets | $30,305,000 | 4,835 |
| Average equity | $3,558,800 | 4,877 |
| Average total loans | $24,656,600 | 4,624 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 1,209 |
| Cost of funding earning assets | 0.5554% | 2,897 |
| Net interest margin | 4.0834% | 924 |
| Noninterest income to average assets | 0.7796% | 1,578 |
| Noninterest expense to average assets | 2.5621% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9449% | 332 |
| Return on assets (ROA) | 1.9449% | 365 |
| Pretax return on assets | 1.9490% | 573 |
| Return on Equity (ROE) | 18.0806% | 357 |
| Retained earnings to average equity (ytd only) | 5.4732% | 2,337 |
| Net charge-offs to loans | 0.0322% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 924 |
| Efficiency ratio | 56.7957% | 3,821 |
| Assets per employee ($millions) | 5.6318% | 2,595 |
| Cash dividends to net income (ytd only)* | 69.7286% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2417% | 322 |
| Loan loss allowance to noncurrent loans | 438.0952% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 2,659 |
| Noncurrent loans to loans | 0.5117% | 2,522 |
| Net loans and leases to total assets | 71.2379% | 1,781 |
| Net loans and leases to deposits | 81.2639% | 2,174 |
| Net loans and leases to core deposits | 82.6592% | 2,608 |
| Total domestic deposits to total assets | 87.6624% | 1,366 |
| Equity capital to assets | 10.7751% | 2,568 |
| Core capital (leverage) ratio | 10.9445% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0253% | 1,490 |
| Memoranda: | ||
| Average total assets | $32,837,000 | 4,877 |
| Average earning assets | $30,007,250 | 4,866 |
| Average equity | $3,532,250 | 4,903 |
| Average total loans | $24,807,000 | 4,648 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 1,268 |
| Cost of funding earning assets | 0.6129% | 2,905 |
| Net interest margin | 4.1419% | 1,036 |
| Noninterest income to average assets | 0.7872% | 1,475 |
| Noninterest expense to average assets | 2.6385% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9250% | 388 |
| Return on assets (ROA) | 1.9250% | 432 |
| Pretax return on assets | 1.9312% | 637 |
| Return on Equity (ROE) | 17.9062% | 376 |
| Retained earnings to average equity (ytd only) | 2.9176% | 3,420 |
| Net charge-offs to loans | 0.0483% | 1,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 1,069 |
| Efficiency ratio | 57.7389% | 3,727 |
| Assets per employee ($millions) | 5.5748% | 2,571 |
| Cash dividends to net income (ytd only)* | 83.7061% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 350 |
| Loan loss allowance to noncurrent loans | 2,509.0909% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,201 |
| Noncurrent loans to loans | 0.0866% | 4,114 |
| Net loans and leases to total assets | 74.3400% | 1,367 |
| Net loans and leases to deposits | 84.4318% | 1,951 |
| Net loans and leases to core deposits | 85.8900% | 2,446 |
| Total domestic deposits to total assets | 88.0475% | 1,150 |
| Equity capital to assets | 10.5863% | 2,678 |
| Core capital (leverage) ratio | 10.7109% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4758% | 1,640 |
| Memoranda: | ||
| Average total assets | $32,519,000 | 4,907 |
| Average earning assets | $29,696,333 | 4,901 |
| Average equity | $3,496,000 | 4,935 |
| Average total loans | $24,868,000 | 4,665 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 1,057 |
| Cost of funding earning assets | 0.7134% | 2,876 |
| Net interest margin | 4.2392% | 849 |
| Noninterest income to average assets | 0.8735% | 1,121 |
| Noninterest expense to average assets | 2.6955% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0216% | 259 |
| Return on assets (ROA) | 2.0216% | 285 |
| Pretax return on assets | 2.0341% | 422 |
| Return on Equity (ROE) | 18.6555% | 227 |
| Retained earnings to average equity (ytd only) | 1.3819% | 3,640 |
| Net charge-offs to loans | 0.0976% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 27.1667% | 1,239 |
| Efficiency ratio | 56.9921% | 4,116 |
| Assets per employee ($millions) | 5.1947% | 2,436 |
| Cash dividends to net income (ytd only)* | 92.5926% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2921% | 332 |
| Loan loss allowance to noncurrent loans | 175.7962% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 1,308 |
| Noncurrent loans to loans | 1.3038% | 1,254 |
| Net loans and leases to total assets | 75.4973% | 1,387 |
| Net loans and leases to deposits | 86.9040% | 1,886 |
| Net loans and leases to core deposits | 88.5390% | 2,482 |
| Total domestic deposits to total assets | 86.8744% | 1,610 |
| Equity capital to assets | 11.1653% | 2,713 |
| Core capital (leverage) ratio | 11.0692% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7714% | 1,667 |
| Memoranda: | ||
| Average total assets | $32,054,000 | 4,953 |
| Average earning assets | $29,156,500 | 4,944 |
| Average equity | $3,473,500 | 4,982 |
| Average total loans | $24,593,000 | 4,704 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 1,147 |
| Cost of funding earning assets | 0.7555% | 2,889 |
| Net interest margin | 4.3767% | 940 |
| Noninterest income to average assets | 1.1711% | 686 |
| Noninterest expense to average assets | 3.1801% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9799% | 372 |
| Return on assets (ROA) | 1.9799% | 384 |
| Pretax return on assets | 1.9831% | 619 |
| Return on Equity (ROE) | 17.8394% | 352 |
| Retained earnings to average equity (ytd only) | 2.6817% | 3,698 |
| Net charge-offs to loans | -1.0543% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5915% | 3,439 |
| Assets per employee ($millions) | 5.4900% | 2,070 |
| Cash dividends to net income (ytd only)* | 84.9673% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2228% | 322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.5143% | 1,669 |
| Net loans and leases to deposits | 84.5767% | 2,269 |
| Net loans and leases to core deposits | 90.8368% | 2,339 |
| Total domestic deposits to total assets | 88.1026% | 1,087 |
| Equity capital to assets | 10.5252% | 3,425 |
| Core capital (leverage) ratio | 10.7964% | 2,681 |
| Tier 1 risk-based capital ratio | 13.5656% | 3,478 |
| Total risk-based capital ratio | 14.8267% | 3,382 |
| Memoranda: | ||
| Average total assets | $30,910,800 | 5,018 |
| Average earning assets | $28,194,800 | 5,007 |
| Average equity | $3,430,600 | 5,044 |
| Average total loans | $24,377,000 | 4,771 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 1,092 |
| Cost of funding earning assets | 0.7346% | 3,041 |
| Net interest margin | 4.4410% | 867 |
| Noninterest income to average assets | 1.2147% | 619 |
| Noninterest expense to average assets | 2.6049% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.6619% | 131 |
| Return on assets (ROA) | 2.6619% | 136 |
| Pretax return on assets | 2.6663% | 177 |
| Return on Equity (ROE) | 23.6537% | 118 |
| Retained earnings to average equity (ytd only) | 6.8584% | 1,927 |
| Net charge-offs to loans | -1.4713% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4176% | 4,779 |
| Assets per employee ($millions) | 5.0388% | 2,511 |
| Cash dividends to net income (ytd only)* | 71.0049% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2830% | 297 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,691 |
| Noncurrent loans to loans | 0.0161% | 4,603 |
| Net loans and leases to total assets | 80.4154% | 793 |
| Net loans and leases to deposits | 95.6977% | 1,053 |
| Net loans and leases to core deposits | 99.2124% | 1,723 |
| Total domestic deposits to total assets | 84.0307% | 2,811 |
| Equity capital to assets | 11.7388% | 2,472 |
| Core capital (leverage) ratio | 11.5961% | 2,148 |
| Tier 1 risk-based capital ratio | 15.1474% | 2,783 |
| Total risk-based capital ratio | 16.4111% | 2,703 |
| Memoranda: | ||
| Average total assets | $30,403,500 | 5,095 |
| Average earning assets | $27,770,500 | 5,088 |
| Average equity | $3,421,500 | 5,119 |
| Average total loans | $24,195,500 | 4,846 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1099% | 1,190 |
| Cost of funding earning assets | 0.7053% | 3,142 |
| Net interest margin | 4.4046% | 935 |
| Noninterest income to average assets | 1.3132% | 510 |
| Noninterest expense to average assets | 2.6264% | 3,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6986% | 121 |
| Return on assets (ROA) | 2.6986% | 126 |
| Pretax return on assets | 2.7052% | 179 |
| Return on Equity (ROE) | 24.3267% | 110 |
| Retained earnings to average equity (ytd only) | 3.3738% | 3,548 |
| Net charge-offs to loans | -2.1613% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2611% | 4,824 |
| Assets per employee ($millions) | 5.0358% | 2,435 |
| Cash dividends to net income (ytd only)* | 86.1314% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3249% | 284 |
| Loan loss allowance to noncurrent loans | 767.1233% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 3,604 |
| Noncurrent loans to loans | 0.3031% | 3,460 |
| Net loans and leases to total assets | 77.8653% | 1,246 |
| Net loans and leases to deposits | 89.4597% | 1,808 |
| Net loans and leases to core deposits | 93.3648% | 2,292 |
| Total domestic deposits to total assets | 87.0395% | 1,583 |
| Equity capital to assets | 11.3354% | 2,754 |
| Core capital (leverage) ratio | 11.4540% | 2,205 |
| Tier 1 risk-based capital ratio | 14.4274% | 3,099 |
| Total risk-based capital ratio | 15.6895% | 3,012 |
| Memoranda: | ||
| Average total assets | $30,460,330 | 5,141 |
| Average earning assets | $27,789,000 | 5,130 |
| Average equity | $3,379,000 | 5,162 |
| Average total loans | $23,967,330 | 4,888 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 1,055 |
| Cost of funding earning assets | 0.7214% | 2,938 |
| Net interest margin | 4.4005% | 902 |
| Noninterest income to average assets | 1.1248% | 644 |
| Noninterest expense to average assets | 2.5504% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5504% | 147 |
| Return on assets (ROA) | 2.5504% | 156 |
| Pretax return on assets | 2.5635% | 226 |
| Return on Equity (ROE) | 23.2420% | 140 |
| Retained earnings to average equity (ytd only) | -0.5959% | 4,604 |
| Net charge-offs to loans | -0.0669% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8721% | 4,840 |
| Assets per employee ($millions) | 5.1012% | 2,396 |
| Cash dividends to net income (ytd only)* | 102.5641% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,127 |
| Loan loss allowance to noncurrent loans | 1,270.8333% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 4,413 |
| Noncurrent loans to loans | 0.1016% | 4,285 |
| Net loans and leases to total assets | 76.1590% | 1,454 |
| Net loans and leases to deposits | 87.8462% | 1,893 |
| Net loans and leases to core deposits | 93.1096% | 2,199 |
| Total domestic deposits to total assets | 86.6959% | 1,960 |
| Equity capital to assets | 10.9648% | 2,889 |
| Core capital (leverage) ratio | 11.0322% | 2,546 |
| Tier 1 risk-based capital ratio | 13.9190% | 3,382 |
| Total risk-based capital ratio | 15.1674% | 3,303 |
| Memoranda: | ||
| Average total assets | $30,583,000 | 5,193 |
| Average earning assets | $27,724,000 | 5,187 |
| Average equity | $3,356,000 | 5,216 |
| Average total loans | $23,907,500 | 4,944 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 1,463 |
| Cost of funding earning assets | 0.4266% | 3,821 |
| Net interest margin | 4.4058% | 921 |
| Noninterest income to average assets | 1.6966% | 333 |
| Noninterest expense to average assets | 3.2680% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.4741% | 157 |
| Return on assets (ROA) | 2.4741% | 155 |
| Pretax return on assets | 2.4774% | 214 |
| Return on Equity (ROE) | 23.5911% | 114 |
| Retained earnings to average equity (ytd only) | 9.4239% | 751 |
| Net charge-offs to loans | 0.0925% | 1,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 34.1818% | 1,471 |
| Efficiency ratio | 56.8807% | 4,296 |
| Assets per employee ($millions) | 5.0932% | 2,386 |
| Cash dividends to net income (ytd only)* | 60.0533% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.2061% | 1,244 |
| Net loans and leases to deposits | 90.3622% | 1,748 |
| Net loans and leases to core deposits | 95.7953% | 2,080 |
| Total domestic deposits to total assets | 86.5473% | 1,988 |
| Equity capital to assets | 10.9820% | 2,707 |
| Core capital (leverage) ratio | 10.8904% | 2,639 |
| Tier 1 risk-based capital ratio | 14.4305% | 3,098 |
| Total risk-based capital ratio | 15.6799% | 3,013 |
| Memoranda: | ||
| Average total assets | $30,354,800 | 5,236 |
| Average earning assets | $27,895,200 | 5,226 |
| Average equity | $3,183,400 | 5,269 |
| Average total loans | $23,777,800 | 4,975 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 1,671 |
| Cost of funding earning assets | 0.3233% | 4,363 |
| Net interest margin | 4.3790% | 944 |
| Noninterest income to average assets | 1.3419% | 524 |
| Noninterest expense to average assets | 2.6751% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.7147% | 115 |
| Return on assets (ROA) | 2.7147% | 115 |
| Pretax return on assets | 2.7191% | 162 |
| Return on Equity (ROE) | 26.1970% | 66 |
| Retained earnings to average equity (ytd only) | 9.8505% | 969 |
| Net charge-offs to loans | -0.0451% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5922% | 4,962 |
| Assets per employee ($millions) | 5.0722% | 2,371 |
| Cash dividends to net income (ytd only)* | 62.3983% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,000 |
| Loan loss allowance to noncurrent loans | 146.4602% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 2,000 |
| Noncurrent loans to loans | 0.9007% | 1,898 |
| Net loans and leases to total assets | 81.3623% | 816 |
| Net loans and leases to deposits | 103.7588% | 563 |
| Net loans and leases to core deposits | 103.7588% | 1,468 |
| Total domestic deposits to total assets | 78.4149% | 4,416 |
| Equity capital to assets | 10.7811% | 2,864 |
| Core capital (leverage) ratio | 11.3956% | 2,251 |
| Tier 1 risk-based capital ratio | 13.2222% | 3,775 |
| Total risk-based capital ratio | 14.4750% | 3,684 |
| Memoranda: | ||
| Average total assets | $30,303,750 | 5,303 |
| Average earning assets | $28,042,000 | 5,291 |
| Average equity | $3,140,250 | 5,339 |
| Average total loans | $23,672,250 | 5,038 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 1,684 |
| Cost of funding earning assets | 0.2927% | 4,465 |
| Net interest margin | 4.3412% | 954 |
| Noninterest income to average assets | 1.3681% | 512 |
| Noninterest expense to average assets | 2.7230% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6569% | 118 |
| Return on assets (ROA) | 2.6569% | 117 |
| Pretax return on assets | 2.6635% | 166 |
| Return on Equity (ROE) | 25.9914% | 66 |
| Retained earnings to average equity (ytd only) | 5.6250% | 2,758 |
| Net charge-offs to loans | 0.1121% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,468 |
| Efficiency ratio | 50.5521% | 4,994 |
| Assets per employee ($millions) | 4.7268% | 2,785 |
| Cash dividends to net income (ytd only)* | 78.3582% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 2,116 |
| Loan loss allowance to noncurrent loans | 3,875.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,886 |
| Noncurrent loans to loans | 0.0338% | 4,765 |
| Net loans and leases to total assets | 82.3384% | 673 |
| Net loans and leases to deposits | 96.6716% | 1,080 |
| Net loans and leases to core deposits | 96.6716% | 2,002 |
| Total domestic deposits to total assets | 85.1733% | 2,607 |
| Equity capital to assets | 11.0680% | 2,571 |
| Core capital (leverage) ratio | 10.9690% | 2,555 |
| Tier 1 risk-based capital ratio | 13.5918% | 3,568 |
| Total risk-based capital ratio | 14.8439% | 3,472 |
| Memoranda: | ||
| Average total assets | $30,260,670 | 5,370 |
| Average earning assets | $28,011,000 | 5,355 |
| Average equity | $3,093,330 | 5,404 |
| Average total loans | $23,199,000 | 5,113 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 1,835 |
| Cost of funding earning assets | 0.2374% | 4,782 |
| Net interest margin | 4.2737% | 1,001 |
| Noninterest income to average assets | 1.3073% | 544 |
| Noninterest expense to average assets | 2.5504% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.6658% | 114 |
| Return on assets (ROA) | 2.6658% | 115 |
| Pretax return on assets | 2.6786% | 160 |
| Return on Equity (ROE) | 27.0966% | 66 |
| Retained earnings to average equity (ytd only) | 4.2990% | 3,465 |
| Net charge-offs to loans | 0.4006% | 389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.0870% | 1,992 |
| Efficiency ratio | 48.7745% | 5,156 |
| Assets per employee ($millions) | 4.7903% | 2,746 |
| Cash dividends to net income (ytd only)* | 84.1346% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,304 |
| Loan loss allowance to noncurrent loans | 258.6207% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 3,217 |
| Noncurrent loans to loans | 0.4978% | 3,027 |
| Net loans and leases to total assets | 80.0362% | 929 |
| Net loans and leases to deposits | 92.8329% | 1,351 |
| Net loans and leases to core deposits | 92.8329% | 2,230 |
| Total domestic deposits to total assets | 86.2153% | 2,441 |
| Equity capital to assets | 10.7299% | 2,843 |
| Core capital (leverage) ratio | 10.2136% | 3,287 |
| Tier 1 risk-based capital ratio | 13.3812% | 3,729 |
| Total risk-based capital ratio | 14.6311% | 3,647 |
| Memoranda: | ||
| Average total assets | $31,210,500 | 5,414 |
| Average earning assets | $28,640,000 | 5,404 |
| Average equity | $3,070,500 | 5,465 |
| Average total loans | $22,967,500 | 5,175 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,495 |
| Cost of funding earning assets | 0.2326% | 4,710 |
| Net interest margin | 4.3446% | 869 |
| Noninterest income to average assets | 1.5630% | 429 |
| Noninterest expense to average assets | 3.1260% | 1,785 |
| Loan and lease loss provision to assets | 0.2338% | 824 |
| Net operating income to assets | 2.1307% | 220 |
| Return on assets (ROA) | 2.1307% | 228 |
| Pretax return on assets | 2.1341% | 364 |
| Return on Equity (ROE) | 21.2186% | 155 |
| Retained earnings to average equity (ytd only) | 5.4210% | 1,858 |
| Net charge-offs to loans | -0.0988% | 5,373 |
| Credit loss provision to net charge-offs | -333.3333% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8997% | 4,669 |
| Assets per employee ($millions) | 5.6132% | 1,834 |
| Cash dividends to net income (ytd only)* | 74.4514% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 1,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.2371% | 3,069 |
| Net loans and leases to deposits | 74.5962% | 3,465 |
| Net loans and leases to core deposits | 74.5962% | 3,839 |
| Total domestic deposits to total assets | 88.7942% | 1,089 |
| Equity capital to assets | 9.0769% | 4,642 |
| Core capital (leverage) ratio | 9.1969% | 4,399 |
| Tier 1 risk-based capital ratio | 11.6570% | 4,747 |
| Total risk-based capital ratio | 12.8870% | 4,650 |
| Memoranda: | ||
| Average total assets | $29,942,800 | 5,492 |
| Average earning assets | $27,090,800 | 5,484 |
| Average equity | $3,006,800 | 5,530 |
| Average total loans | $21,260,000 | 5,279 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,519 |
| Cost of funding earning assets | 0.2351% | 4,702 |
| Net interest margin | 4.3091% | 903 |
| Noninterest income to average assets | 1.7006% | 393 |
| Noninterest expense to average assets | 2.6015% | 3,406 |
| Loan and lease loss provision to assets | 0.3217% | 474 |
| Net operating income to assets | 2.6474% | 108 |
| Return on assets (ROA) | 2.6474% | 108 |
| Pretax return on assets | 2.6520% | 167 |
| Return on Equity (ROE) | 25.6485% | 65 |
| Retained earnings to average equity (ytd only) | 12.2899% | 271 |
| Net charge-offs to loans | 0.0382% | 2,670 |
| Credit loss provision to net charge-offs | 1,166.6667% | 311 |
| Earnings coverage of net charge-offs (x) | 107.8313% | 662 |
| Efficiency ratio | 46.6612% | 5,397 |
| Assets per employee ($millions) | 5.5422% | 1,885 |
| Cash dividends to net income (ytd only)* | 52.0834% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 2,128 |
| Loan loss allowance to noncurrent loans | 131.5556% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 2,466 |
| Noncurrent loans to loans | 1.0250% | 1,894 |
| Net loans and leases to total assets | 65.1219% | 3,227 |
| Net loans and leases to deposits | 74.0038% | 3,567 |
| Net loans and leases to core deposits | 74.0038% | 3,972 |
| Total domestic deposits to total assets | 87.9981% | 1,363 |
| Equity capital to assets | 9.5691% | 4,375 |
| Core capital (leverage) ratio | 11.2902% | 2,190 |
| Tier 1 risk-based capital ratio | 13.1027% | 3,943 |
| Total risk-based capital ratio | 14.3246% | 3,865 |
| Memoranda: | ||
| Average total assets | $29,008,750 | 5,562 |
| Average earning assets | $26,083,500 | 5,557 |
| Average equity | $2,994,250 | 5,593 |
| Average total loans | $20,917,250 | 5,344 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 1,238 |
| Cost of funding earning assets | 0.2363% | 4,672 |
| Net interest margin | 4.3722% | 739 |
| Noninterest income to average assets | 1.9352% | 328 |
| Noninterest expense to average assets | 2.8195% | 2,681 |
| Loan and lease loss provision to assets | 0.5074% | 230 |
| Net operating income to assets | 2.6238% | 110 |
| Return on assets (ROA) | 2.6238% | 111 |
| Pretax return on assets | 2.6310% | 167 |
| Return on Equity (ROE) | 24.6958% | 84 |
| Retained earnings to average equity (ytd only) | 7.6407% | 1,301 |
| Net charge-offs to loans | 0.0875% | 1,734 |
| Credit loss provision to net charge-offs | 777.7778% | 467 |
| Earnings coverage of net charge-offs (x) | 48.1111% | 1,102 |
| Efficiency ratio | 47.3236% | 5,424 |
| Assets per employee ($millions) | 5.4924% | 1,876 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,969 |
| Loan loss allowance to noncurrent loans | 176.5060% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 2,754 |
| Noncurrent loans to loans | 0.7904% | 2,428 |
| Net loans and leases to total assets | 75.4133% | 1,627 |
| Net loans and leases to deposits | 87.7208% | 2,023 |
| Net loans and leases to core deposits | 87.7208% | 2,727 |
| Total domestic deposits to total assets | 85.9697% | 2,384 |
| Equity capital to assets | 10.9934% | 2,813 |
| Core capital (leverage) ratio | 11.0039% | 2,399 |
| Tier 1 risk-based capital ratio | 14.1874% | 3,316 |
| Total risk-based capital ratio | 15.4412% | 3,235 |
| Memoranda: | ||
| Average total assets | $27,594,000 | 5,629 |
| Average earning assets | $25,387,670 | 5,609 |
| Average equity | $2,931,670 | 5,644 |
| Average total loans | $20,572,670 | 5,391 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 1,124 |
| Cost of funding earning assets | 0.2374% | 4,659 |
| Net interest margin | 4.3690% | 672 |
| Noninterest income to average assets | 1.8655% | 341 |
| Noninterest expense to average assets | 2.9501% | 2,301 |
| Loan and lease loss provision to assets | 1.0123% | 84 |
| Net operating income to assets | 1.8800% | 382 |
| Return on assets (ROA) | 1.8800% | 397 |
| Pretax return on assets | 1.8944% | 647 |
| Return on Equity (ROE) | 18.0055% | 341 |
| Retained earnings to average equity (ytd only) | -2.7701% | 5,242 |
| Net charge-offs to loans | -0.1375% | 5,538 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3704% | 5,356 |
| Assets per employee ($millions) | 5.4500% | 1,939 |
| Cash dividends to net income (ytd only)* | 115.3846% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,586 |
| Loan loss allowance to noncurrent loans | 124.5968% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 2,038 |
| Noncurrent loans to loans | 1.2276% | 1,649 |
| Net loans and leases to total assets | 73.0018% | 1,914 |
| Net loans and leases to deposits | 85.0128% | 2,161 |
| Net loans and leases to core deposits | 85.0128% | 2,816 |
| Total domestic deposits to total assets | 85.8716% | 2,734 |
| Equity capital to assets | 10.5688% | 3,108 |
| Core capital (leverage) ratio | 10.4362% | 2,978 |
| Tier 1 risk-based capital ratio | 14.1113% | 3,405 |
| Total risk-based capital ratio | 15.3665% | 3,327 |
| Memoranda: | ||
| Average total assets | $27,660,000 | 5,697 |
| Average earning assets | $25,269,000 | 5,680 |
| Average equity | $2,888,000 | 5,709 |
| Average total loans | $20,357,500 | 5,452 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,435 |
| Cost of funding earning assets | 0.2578% | 4,489 |
| Net interest margin | 4.2773% | 965 |
| Noninterest income to average assets | 1.3725% | 609 |
| Noninterest expense to average assets | 2.9515% | 2,494 |
| Loan and lease loss provision to assets | 0.3803% | 423 |
| Net operating income to assets | 1.8832% | 385 |
| Return on assets (ROA) | 1.8832% | 398 |
| Pretax return on assets | 1.8868% | 639 |
| Return on Equity (ROE) | 18.4319% | 295 |
| Retained earnings to average equity (ytd only) | 5.1397% | 2,250 |
| Net charge-offs to loans | 0.7818% | 263 |
| Credit loss provision to net charge-offs | 68.6275% | 3,150 |
| Earnings coverage of net charge-offs (x) | 4.0915% | 3,556 |
| Efficiency ratio | 56.5579% | 5,009 |
| Assets per employee ($millions) | 5.6140% | 1,771 |
| Cash dividends to net income (ytd only)* | 72.1154% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,542 |
| Loan loss allowance to noncurrent loans | 89.9225% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 2,061 |
| Noncurrent loans to loans | 1.2577% | 1,631 |
| Net loans and leases to total assets | 72.2515% | 2,133 |
| Net loans and leases to deposits | 84.8648% | 2,320 |
| Net loans and leases to core deposits | 84.8648% | 2,940 |
| Total domestic deposits to total assets | 85.1372% | 2,985 |
| Equity capital to assets | 10.3171% | 3,369 |
| Core capital (leverage) ratio | 10.4784% | 2,897 |
| Tier 1 risk-based capital ratio | 13.6569% | 3,671 |
| Total risk-based capital ratio | 14.7502% | 3,668 |
| Memoranda: | ||
| Average total assets | $27,613,200 | 5,750 |
| Average earning assets | $24,828,600 | 5,734 |
| Average equity | $2,821,200 | 5,773 |
| Average total loans | $19,570,200 | 5,531 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 1,381 |
| Cost of funding earning assets | 0.2641% | 4,461 |
| Net interest margin | 4.2964% | 936 |
| Noninterest income to average assets | 1.4109% | 595 |
| Noninterest expense to average assets | 2.5940% | 3,686 |
| Loan and lease loss provision to assets | 0.3733% | 409 |
| Net operating income to assets | 2.3031% | 208 |
| Return on assets (ROA) | 2.3031% | 220 |
| Pretax return on assets | 2.3079% | 312 |
| Return on Equity (ROE) | 22.5984% | 141 |
| Retained earnings to average equity (ytd only) | 7.0412% | 1,609 |
| Net charge-offs to loans | -0.2689% | 5,821 |
| Credit loss provision to net charge-offs | -197.4359% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1728% | 5,547 |
| Assets per employee ($millions) | 5.6844% | 1,681 |
| Cash dividends to net income (ytd only)* | 68.8420% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 790 |
| Loan loss allowance to noncurrent loans | 55.0000% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.5614% | 526 |
| Noncurrent loans to loans | 3.5362% | 358 |
| Net loans and leases to total assets | 70.2449% | 2,457 |
| Net loans and leases to deposits | 84.2085% | 2,458 |
| Net loans and leases to core deposits | 84.2085% | 3,102 |
| Total domestic deposits to total assets | 83.4178% | 3,442 |
| Equity capital to assets | 10.2491% | 3,857 |
| Core capital (leverage) ratio | 10.5254% | 2,968 |
| Tier 1 risk-based capital ratio | 13.6492% | 3,769 |
| Total risk-based capital ratio | 14.9054% | 3,677 |
| Memoranda: | ||
| Average total assets | $27,499,000 | 5,816 |
| Average earning assets | $24,733,000 | 5,799 |
| Average equity | $2,802,500 | 5,837 |
| Average total loans | $19,334,500 | 5,595 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 1,398 |
| Cost of funding earning assets | 0.2712% | 4,429 |
| Net interest margin | 4.2727% | 979 |
| Noninterest income to average assets | 1.3019% | 678 |
| Noninterest expense to average assets | 2.5891% | 3,760 |
| Loan and lease loss provision to assets | 0.5002% | 262 |
| Net operating income to assets | 2.0301% | 312 |
| Return on assets (ROA) | 2.0301% | 330 |
| Pretax return on assets | 2.0374% | 533 |
| Return on Equity (ROE) | 19.9590% | 245 |
| Retained earnings to average equity (ytd only) | 0.5785% | 5,131 |
| Net charge-offs to loans | -0.2738% | 5,870 |
| Credit loss provision to net charge-offs | -261.5385% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5022% | 5,531 |
| Assets per employee ($millions) | 5.4244% | 1,865 |
| Cash dividends to net income (ytd only)* | 97.1014% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 908 |
| Loan loss allowance to noncurrent loans | 128.0822% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1356% | 1,860 |
| Noncurrent loans to loans | 1.4772% | 1,487 |
| Net loans and leases to total assets | 71.5028% | 2,249 |
| Net loans and leases to deposits | 83.1925% | 2,564 |
| Net loans and leases to core deposits | 83.1925% | 3,148 |
| Total domestic deposits to total assets | 85.9487% | 2,445 |
| Equity capital to assets | 10.2684% | 3,901 |
| Core capital (leverage) ratio | 10.2044% | 3,332 |
| Tier 1 risk-based capital ratio | 13.8521% | 3,696 |
| Total risk-based capital ratio | 15.1114% | 3,603 |
| Memoranda: | ||
| Average total assets | $27,191,330 | 5,890 |
| Average earning assets | $24,340,330 | 5,873 |
| Average equity | $2,765,670 | 5,912 |
| Average total loans | $18,992,330 | 5,667 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 1,315 |
| Cost of funding earning assets | 0.2664% | 4,539 |
| Net interest margin | 4.3124% | 907 |
| Noninterest income to average assets | 1.3370% | 616 |
| Noninterest expense to average assets | 2.5270% | 3,990 |
| Loan and lease loss provision to assets | 0.8668% | 115 |
| Net operating income to assets | 1.7336% | 529 |
| Return on assets (ROA) | 1.7336% | 565 |
| Pretax return on assets | 1.7483% | 949 |
| Return on Equity (ROE) | 17.1263% | 422 |
| Retained earnings to average equity (ytd only) | -4.6444% | 5,591 |
| Net charge-offs to loans | -0.3010% | 5,932 |
| Credit loss provision to net charge-offs | -421.4286% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1429% | 5,669 |
| Assets per employee ($millions) | 5.2410% | 2,091 |
| Cash dividends to net income (ytd only)* | 127.1186% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 1,067 |
| Loan loss allowance to noncurrent loans | 188.7701% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 2,683 |
| Noncurrent loans to loans | 0.9773% | 2,427 |
| Net loans and leases to total assets | 71.6733% | 2,090 |
| Net loans and leases to deposits | 85.6882% | 2,092 |
| Net loans and leases to core deposits | 85.6882% | 2,777 |
| Total domestic deposits to total assets | 83.6443% | 3,661 |
| Equity capital to assets | 10.4598% | 3,547 |
| Core capital (leverage) ratio | 10.2063% | 3,305 |
| Tier 1 risk-based capital ratio | 14.0359% | 3,668 |
| Total risk-based capital ratio | 15.2894% | 3,594 |
| Memoranda: | ||
| Average total assets | $27,226,000 | 5,950 |
| Average earning assets | $24,023,500 | 5,941 |
| Average equity | $2,756,000 | 5,968 |
| Average total loans | $18,605,000 | 5,731 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 1,555 |
| Cost of funding earning assets | 0.2935% | 4,325 |
| Net interest margin | 4.2180% | 1,130 |
| Noninterest income to average assets | 1.5525% | 522 |
| Noninterest expense to average assets | 3.0936% | 2,259 |
| Loan and lease loss provision to assets | 0.1360% | 1,744 |
| Net operating income to assets | 1.9567% | 373 |
| Return on assets (ROA) | 1.9567% | 382 |
| Pretax return on assets | 1.9604% | 584 |
| Return on Equity (ROE) | 19.1045% | 298 |
| Retained earnings to average equity (ytd only) | 4.6470% | 2,680 |
| Net charge-offs to loans | 0.5031% | 522 |
| Credit loss provision to net charge-offs | 40.4494% | 3,529 |
| Earnings coverage of net charge-offs (x) | 6.2360% | 3,258 |
| Efficiency ratio | 59.6070% | 4,961 |
| Assets per employee ($millions) | 5.6494% | 1,655 |
| Cash dividends to net income (ytd only)* | 75.6757% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,804 |
| Loan loss allowance to noncurrent loans | 151.3514% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 2,840 |
| Noncurrent loans to loans | 1.0235% | 2,291 |
| Net loans and leases to total assets | 62.9978% | 3,413 |
| Net loans and leases to deposits | 74.6153% | 3,422 |
| Net loans and leases to core deposits | 74.6153% | 3,881 |
| Total domestic deposits to total assets | 84.4302% | 3,319 |
| Equity capital to assets | 9.8099% | 4,180 |
| Core capital (leverage) ratio | 10.2617% | 3,194 |
| Tier 1 risk-based capital ratio | 13.8258% | 3,816 |
| Total risk-based capital ratio | 15.0763% | 3,740 |
| Memoranda: | ||
| Average total assets | $26,473,600 | 6,011 |
| Average earning assets | $22,830,800 | 6,011 |
| Average equity | $2,711,400 | 6,029 |
| Average total loans | $17,688,800 | 5,800 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 1,379 |
| Cost of funding earning assets | 0.2959% | 4,385 |
| Net interest margin | 4.2841% | 988 |
| Noninterest income to average assets | 1.5930% | 500 |
| Noninterest expense to average assets | 2.6430% | 3,744 |
| Loan and lease loss provision to assets | 0.1844% | 1,121 |
| Net operating income to assets | 2.4689% | 165 |
| Return on assets (ROA) | 2.4689% | 174 |
| Pretax return on assets | 2.4740% | 247 |
| Return on Equity (ROE) | 23.8327% | 139 |
| Retained earnings to average equity (ytd only) | 7.6640% | 1,385 |
| Net charge-offs to loans | 0.1743% | 1,433 |
| Credit loss provision to net charge-offs | 156.5217% | 1,624 |
| Earnings coverage of net charge-offs (x) | 22.5621% | 1,772 |
| Efficiency ratio | 49.8551% | 5,787 |
| Assets per employee ($millions) | 5.0958% | 2,184 |
| Cash dividends to net income (ytd only)* | 67.8425% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 1,138 |
| Loan loss allowance to noncurrent loans | 1,922.2222% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 4,965 |
| Noncurrent loans to loans | 0.0973% | 5,244 |
| Net loans and leases to total assets | 71.2744% | 2,181 |
| Net loans and leases to deposits | 88.8758% | 1,785 |
| Net loans and leases to core deposits | 88.8758% | 2,571 |
| Total domestic deposits to total assets | 80.1955% | 4,696 |
| Equity capital to assets | 11.0012% | 3,027 |
| Core capital (leverage) ratio | 10.7624% | 2,757 |
| Tier 1 risk-based capital ratio | 14.8780% | 3,355 |
| Total risk-based capital ratio | 16.1352% | 3,301 |
| Memoranda: | ||
| Average total assets | $26,030,250 | 6,101 |
| Average earning assets | $22,532,250 | 6,104 |
| Average equity | $2,696,500 | 6,115 |
| Average total loans | $17,592,250 | 5,877 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 1,399 |
| Cost of funding earning assets | 0.3035% | 4,361 |
| Net interest margin | 4.2493% | 1,017 |
| Noninterest income to average assets | 1.7090% | 463 |
| Noninterest expense to average assets | 2.7237% | 3,516 |
| Loan and lease loss provision to assets | 0.2289% | 821 |
| Net operating income to assets | 2.3804% | 199 |
| Return on assets (ROA) | 2.3804% | 210 |
| Pretax return on assets | 2.3880% | 293 |
| Return on Equity (ROE) | 23.4498% | 149 |
| Retained earnings to average equity (ytd only) | 3.3070% | 3,938 |
| Net charge-offs to loans | 0.3471% | 756 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 11.4333% | 2,294 |
| Efficiency ratio | 51.0000% | 5,802 |
| Assets per employee ($millions) | 5.1672% | 2,077 |
| Cash dividends to net income (ytd only)* | 85.8974% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 1,183 |
| Loan loss allowance to noncurrent loans | 6,660.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 5,287 |
| Noncurrent loans to loans | 0.0284% | 5,643 |
| Net loans and leases to total assets | 66.8292% | 2,812 |
| Net loans and leases to deposits | 82.0627% | 2,543 |
| Net loans and leases to core deposits | 82.0627% | 3,166 |
| Total domestic deposits to total assets | 81.4368% | 4,467 |
| Equity capital to assets | 10.4002% | 3,562 |
| Core capital (leverage) ratio | 10.2898% | 3,225 |
| Tier 1 risk-based capital ratio | 14.7310% | 3,514 |
| Total risk-based capital ratio | 15.9890% | 3,433 |
| Memoranda: | ||
| Average total assets | $26,214,000 | 6,167 |
| Average earning assets | $22,403,670 | 6,178 |
| Average equity | $2,661,000 | 6,185 |
| Average total loans | $17,287,670 | 5,948 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 1,651 |
| Cost of funding earning assets | 0.3027% | 4,413 |
| Net interest margin | 4.1314% | 1,204 |
| Noninterest income to average assets | 1.6059% | 480 |
| Noninterest expense to average assets | 2.8330% | 3,126 |
| Loan and lease loss provision to assets | 0.1363% | 1,514 |
| Net operating income to assets | 2.1361% | 260 |
| Return on assets (ROA) | 2.1361% | 277 |
| Pretax return on assets | 2.1513% | 429 |
| Return on Equity (ROE) | 21.2991% | 213 |
| Retained earnings to average equity (ytd only) | -1.3595% | 5,597 |
| Net charge-offs to loans | -0.0467% | 5,485 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3254% | 5,569 |
| Assets per employee ($millions) | 5.2700% | 2,029 |
| Cash dividends to net income (ytd only)* | 106.3830% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 1,034 |
| Loan loss allowance to noncurrent loans | 34,400.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 5,456 |
| Noncurrent loans to loans | 0.0059% | 5,787 |
| Net loans and leases to total assets | 63.1879% | 3,214 |
| Net loans and leases to deposits | 77.7601% | 2,835 |
| Net loans and leases to core deposits | 77.7601% | 3,406 |
| Total domestic deposits to total assets | 81.2600% | 4,747 |
| Equity capital to assets | 10.0417% | 4,102 |
| Core capital (leverage) ratio | 9.8465% | 3,828 |
| Tier 1 risk-based capital ratio | 14.7609% | 3,569 |
| Total risk-based capital ratio | 16.0183% | 3,491 |
| Memoranda: | ||
| Average total assets | $26,403,000 | 6,231 |
| Average earning assets | $22,462,000 | 6,240 |
| Average equity | $2,648,000 | 6,248 |
| Average total loans | $17,132,000 | 6,007 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 1,668 |
| Cost of funding earning assets | 0.3230% | 4,552 |
| Net interest margin | 4.2359% | 1,198 |
| Noninterest income to average assets | 1.4454% | 583 |
| Noninterest expense to average assets | 3.0385% | 2,727 |
| Loan and lease loss provision to assets | 0.1166% | 2,227 |
| Net operating income to assets | 1.9039% | 387 |
| Return on assets (ROA) | 1.9039% | 401 |
| Pretax return on assets | 1.9078% | 631 |
| Return on Equity (ROE) | 18.9306% | 318 |
| Retained earnings to average equity (ytd only) | 4.4043% | 3,046 |
| Net charge-offs to loans | 0.2748% | 1,576 |
| Credit loss provision to net charge-offs | 65.2174% | 3,179 |
| Earnings coverage of net charge-offs (x) | 11.3261% | 2,505 |
| Efficiency ratio | 60.0153% | 5,222 |
| Assets per employee ($millions) | 5.2912% | 1,975 |
| Cash dividends to net income (ytd only)* | 76.7347% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 1,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 5,422 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.0195% | 3,222 |
| Net loans and leases to deposits | 77.7926% | 2,996 |
| Net loans and leases to core deposits | 78.1515% | 3,501 |
| Total domestic deposits to total assets | 82.2951% | 4,314 |
| Equity capital to assets | 10.0166% | 4,094 |
| Core capital (leverage) ratio | 9.9342% | 3,670 |
| Tier 1 risk-based capital ratio | 14.3764% | 3,852 |
| Total risk-based capital ratio | 15.6132% | 3,791 |
| Memoranda: | ||
| Average total assets | $25,736,800 | 6,328 |
| Average earning assets | $21,978,800 | 6,330 |
| Average equity | $2,588,400 | 6,337 |
| Average total loans | $16,737,200 | 6,097 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,947 |
| Cost of funding earning assets | 0.3235% | 4,635 |
| Net interest margin | 4.1564% | 1,409 |
| Noninterest income to average assets | 1.5025% | 559 |
| Noninterest expense to average assets | 2.6763% | 3,913 |
| Loan and lease loss provision to assets | 0.1409% | 1,773 |
| Net operating income to assets | 2.2329% | 223 |
| Return on assets (ROA) | 2.2329% | 230 |
| Pretax return on assets | 2.2381% | 343 |
| Return on Equity (ROE) | 22.1784% | 181 |
| Retained earnings to average equity (ytd only) | 7.1512% | 1,737 |
| Net charge-offs to loans | -0.0482% | 5,888 |
| Credit loss provision to net charge-offs | -450.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9412% | 5,926 |
| Assets per employee ($millions) | 5.1868% | 2,033 |
| Cash dividends to net income (ytd only)* | 67.7578% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 993 |
| Loan loss allowance to noncurrent loans | 1,273.3333% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 5,128 |
| Noncurrent loans to loans | 0.1701% | 5,399 |
| Net loans and leases to total assets | 66.5227% | 2,767 |
| Net loans and leases to deposits | 83.8371% | 2,178 |
| Net loans and leases to core deposits | 83.8371% | 2,896 |
| Total domestic deposits to total assets | 79.3476% | 5,252 |
| Equity capital to assets | 10.3455% | 3,740 |
| Core capital (leverage) ratio | 10.1571% | 3,464 |
| Tier 1 risk-based capital ratio | 14.4131% | 3,933 |
| Total risk-based capital ratio | 15.6587% | 3,881 |
| Memoranda: | ||
| Average total assets | $25,557,000 | 6,409 |
| Average earning assets | $21,845,250 | 6,411 |
| Average equity | $2,573,000 | 6,409 |
| Average total loans | $16,604,000 | 6,166 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 2,092 |
| Cost of funding earning assets | 0.3259% | 4,689 |
| Net interest margin | 4.0975% | 1,519 |
| Noninterest income to average assets | 1.5650% | 512 |
| Noninterest expense to average assets | 2.7368% | 3,740 |
| Loan and lease loss provision to assets | 0.1416% | 1,746 |
| Net operating income to assets | 2.1470% | 254 |
| Return on assets (ROA) | 2.1470% | 268 |
| Pretax return on assets | 2.1470% | 409 |
| Return on Equity (ROE) | 21.5272% | 220 |
| Retained earnings to average equity (ytd only) | 2.2079% | 4,785 |
| Net charge-offs to loans | -0.0984% | 6,137 |
| Credit loss provision to net charge-offs | -225.0000% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4601% | 5,872 |
| Assets per employee ($millions) | 5.1220% | 2,058 |
| Cash dividends to net income (ytd only)* | 89.7436% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2360% | 975 |
| Loan loss allowance to noncurrent loans | 551.4706% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 4,697 |
| Noncurrent loans to loans | 0.4055% | 4,773 |
| Net loans and leases to total assets | 64.0219% | 3,071 |
| Net loans and leases to deposits | 77.8648% | 2,818 |
| Net loans and leases to core deposits | 77.8648% | 3,458 |
| Total domestic deposits to total assets | 82.2218% | 4,578 |
| Equity capital to assets | 10.0312% | 4,061 |
| Core capital (leverage) ratio | 10.0487% | 3,539 |
| Tier 1 risk-based capital ratio | 14.3852% | 3,999 |
| Total risk-based capital ratio | 15.6085% | 3,958 |
| Memoranda: | ||
| Average total assets | $25,431,330 | 6,474 |
| Average earning assets | $21,476,670 | 6,484 |
| Average equity | $2,536,330 | 6,472 |
| Average total loans | $16,260,670 | 6,229 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,370 |
| Cost of funding earning assets | 0.3396% | 4,648 |
| Net interest margin | 3.9994% | 1,765 |
| Noninterest income to average assets | 1.4521% | 559 |
| Noninterest expense to average assets | 2.9043% | 3,197 |
| Loan and lease loss provision to assets | 0.1421% | 1,715 |
| Net operating income to assets | 1.7520% | 522 |
| Return on assets (ROA) | 1.7520% | 538 |
| Pretax return on assets | 1.7520% | 874 |
| Return on Equity (ROE) | 17.6190% | 469 |
| Retained earnings to average equity (ytd only) | -6.1905% | 6,192 |
| Net charge-offs to loans | -0.1250% | 6,208 |
| Credit loss provision to net charge-offs | -180.0000% | 4,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5263% | 5,329 |
| Assets per employee ($millions) | 5.0554% | 2,183 |
| Cash dividends to net income (ytd only)* | 135.1351% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 5,440 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 62.1395% | 3,216 |
| Net loans and leases to deposits | 76.1330% | 2,799 |
| Net loans and leases to core deposits | 76.1330% | 3,395 |
| Total domestic deposits to total assets | 81.6197% | 5,050 |
| Equity capital to assets | 9.8983% | 3,963 |
| Core capital (leverage) ratio | 9.6462% | 4,068 |
| Tier 1 risk-based capital ratio | 14.5788% | 3,960 |
| Total risk-based capital ratio | 15.8168% | 3,920 |
| Memoranda: | ||
| Average total assets | $25,342,000 | 6,543 |
| Average earning assets | $21,203,000 | 6,557 |
| Average equity | $2,520,000 | 6,536 |
| Average total loans | $16,005,500 | 6,305 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 2,219 |
| Cost of funding earning assets | 0.4174% | 4,458 |
| Net interest margin | 4.0793% | 1,707 |
| Noninterest income to average assets | 1.4094% | 708 |
| Noninterest expense to average assets | 3.0032% | 3,050 |
| Loan and lease loss provision to assets | 0.1152% | 2,883 |
| Net operating income to assets | 1.5938% | 698 |
| Return on assets (ROA) | 1.5938% | 718 |
| Pretax return on assets | 1.5938% | 1,186 |
| Return on Equity (ROE) | 16.5352% | 560 |
| Retained earnings to average equity (ytd only) | 2.3906% | 4,545 |
| Net charge-offs to loans | 0.0566% | 4,436 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 49.4444% | 798 |
| Efficiency ratio | 63.7327% | 4,950 |
| Assets per employee ($millions) | 5.0814% | 2,092 |
| Cash dividends to net income (ytd only)* | 85.5422% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1893% | 1,188 |
| Loan loss allowance to noncurrent loans | 300.8621% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 4,096 |
| Noncurrent loans to loans | 0.7277% | 4,143 |
| Net loans and leases to total assets | 61.3689% | 3,472 |
| Net loans and leases to deposits | 73.5576% | 3,324 |
| Net loans and leases to core deposits | 73.5576% | 3,888 |
| Total domestic deposits to total assets | 83.4298% | 4,384 |
| Equity capital to assets | 9.9894% | 3,792 |
| Core capital (leverage) ratio | 9.7142% | 3,969 |
| Tier 1 risk-based capital ratio | 14.7305% | 3,820 |
| Total risk-based capital ratio | 15.9737% | 3,764 |
| Memoranda: | ||
| Average total assets | $26,038,800 | 6,607 |
| Average earning assets | $21,082,000 | 6,636 |
| Average equity | $2,509,800 | 6,626 |
| Average total loans | $15,897,000 | 6,376 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 2,264 |
| Cost of funding earning assets | 0.4372% | 4,419 |
| Net interest margin | 4.0553% | 1,770 |
| Noninterest income to average assets | 1.3284% | 840 |
| Noninterest expense to average assets | 2.4684% | 4,814 |
| Loan and lease loss provision to assets | 0.1374% | 2,570 |
| Net operating income to assets | 1.9798% | 375 |
| Return on assets (ROA) | 1.9798% | 385 |
| Pretax return on assets | 1.9798% | 599 |
| Return on Equity (ROE) | 20.7232% | 263 |
| Retained earnings to average equity (ytd only) | 5.0608% | 3,036 |
| Net charge-offs to loans | -0.0420% | 6,258 |
| Credit loss provision to net charge-offs | -540.0000% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8291% | 6,116 |
| Assets per employee ($millions) | 5.0714% | 2,084 |
| Cash dividends to net income (ytd only)* | 75.5789% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2659% | 1,228 |
| Loan loss allowance to noncurrent loans | 201.1173% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 3,634 |
| Noncurrent loans to loans | 1.1266% | 3,551 |
| Net loans and leases to total assets | 61.2375% | 3,484 |
| Net loans and leases to deposits | 74.4998% | 3,156 |
| Net loans and leases to core deposits | 74.4998% | 3,785 |
| Total domestic deposits to total assets | 82.1982% | 4,860 |
| Equity capital to assets | 10.1392% | 3,718 |
| Core capital (leverage) ratio | 9.9090% | 3,803 |
| Tier 1 risk-based capital ratio | 15.0203% | 3,745 |
| Total risk-based capital ratio | 16.2470% | 3,704 |
| Memoranda: | ||
| Average total assets | $26,196,750 | 6,676 |
| Average earning assets | $21,042,000 | 6,708 |
| Average equity | $2,502,750 | 6,706 |
| Average total loans | $15,886,000 | 6,443 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 2,399 |
| Cost of funding earning assets | 0.4550% | 4,378 |
| Net interest margin | 3.9904% | 1,895 |
| Noninterest income to average assets | 1.2615% | 973 |
| Noninterest expense to average assets | 2.4625% | 4,862 |
| Loan and lease loss provision to assets | 0.1360% | 2,624 |
| Net operating income to assets | 1.8431% | 472 |
| Return on assets (ROA) | 1.8431% | 506 |
| Pretax return on assets | 1.8431% | 835 |
| Return on Equity (ROE) | 19.6774% | 331 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | -0.0504% | 6,270 |
| Credit loss provision to net charge-offs | -450.0000% | 5,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4422% | 6,029 |
| Assets per employee ($millions) | 5.0766% | 2,025 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 1,364 |
| Loan loss allowance to noncurrent loans | 169.0821% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 3,585 |
| Noncurrent loans to loans | 1.3188% | 3,350 |
| Net loans and leases to total assets | 60.4578% | 3,582 |
| Net loans and leases to deposits | 73.6938% | 3,201 |
| Net loans and leases to core deposits | 73.6938% | 3,855 |
| Total domestic deposits to total assets | 82.0392% | 5,049 |
| Equity capital to assets | 9.7309% | 4,257 |
| Core capital (leverage) ratio | 9.3982% | 4,392 |
| Tier 1 risk-based capital ratio | 14.5822% | 4,044 |
| Total risk-based capital ratio | 15.8192% | 4,021 |
| Memoranda: | ||
| Average total assets | $26,476,670 | 6,720 |
| Average earning assets | $21,100,670 | 6,757 |
| Average equity | $2,480,000 | 6,757 |
| Average total loans | $15,885,330 | 6,482 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,634 |
| Cost of funding earning assets | 0.4537% | 4,553 |
| Net interest margin | 3.9130% | 2,074 |
| Noninterest income to average assets | 1.2582% | 967 |
| Noninterest expense to average assets | 2.3683% | 5,204 |
| Loan and lease loss provision to assets | 0.1332% | 2,573 |
| Net operating income to assets | 1.8206% | 465 |
| Return on assets (ROA) | 1.8206% | 516 |
| Pretax return on assets | 1.8206% | 851 |
| Return on Equity (ROE) | 19.7988% | 310 |
| Retained earnings to average equity (ytd only) | -4.3461% | 6,311 |
| Net charge-offs to loans | -0.0501% | 6,141 |
| Credit loss provision to net charge-offs | -450.0000% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7945% | 6,173 |
| Assets per employee ($millions) | 5.3594% | 1,798 |
| Cash dividends to net income (ytd only)* | 121.9512% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2433% | 1,498 |
| Loan loss allowance to noncurrent loans | 111.5132% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 3,198 |
| Noncurrent loans to loans | 2.0116% | 2,603 |
| Net loans and leases to total assets | 55.1293% | 4,218 |
| Net loans and leases to deposits | 68.5109% | 3,712 |
| Net loans and leases to core deposits | 68.5109% | 4,241 |
| Total domestic deposits to total assets | 80.4680% | 5,644 |
| Equity capital to assets | 9.2174% | 5,232 |
| Core capital (leverage) ratio | 8.9345% | 4,996 |
| Tier 1 risk-based capital ratio | 14.5751% | 4,123 |
| Total risk-based capital ratio | 15.8132% | 4,095 |
| Memoranda: | ||
| Average total assets | $27,023,500 | 6,775 |
| Average earning assets | $21,160,000 | 6,825 |
| Average equity | $2,485,000 | 6,816 |
| Average total loans | $15,980,000 | 6,535 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 1,522 |
| Cost of funding earning assets | 0.5594% | 4,732 |
| Net interest margin | 4.4546% | 1,035 |
| Noninterest income to average assets | 1.3468% | 851 |
| Noninterest expense to average assets | 2.9886% | 3,317 |
| Loan and lease loss provision to assets | 0.1195% | 4,129 |
| Net operating income to assets | 1.6656% | 667 |
| Return on assets (ROA) | 1.6656% | 745 |
| Pretax return on assets | 1.6656% | 1,225 |
| Return on Equity (ROE) | 17.1960% | 514 |
| Retained earnings to average equity (ytd only) | 3.9493% | 3,424 |
| Net charge-offs to loans | -0.0509% | 6,709 |
| Credit loss provision to net charge-offs | -375.0000% | 6,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6043% | 5,147 |
| Assets per employee ($millions) | 5.4500% | 1,734 |
| Cash dividends to net income (ytd only)* | 77.0335% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 2,159 |
| Loan loss allowance to noncurrent loans | 254.2636% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 5,002 |
| Noncurrent loans to loans | 0.7657% | 4,651 |
| Net loans and leases to total assets | 60.6239% | 3,487 |
| Net loans and leases to deposits | 74.1805% | 3,065 |
| Net loans and leases to core deposits | 74.1805% | 3,759 |
| Total domestic deposits to total assets | 81.7248% | 5,183 |
| Equity capital to assets | 9.1743% | 5,305 |
| Core capital (leverage) ratio | 9.7163% | 3,779 |
| Tier 1 risk-based capital ratio | 13.4180% | 4,812 |
| Total risk-based capital ratio | 14.6547% | 4,772 |
| Memoranda: | ||
| Average total assets | $25,095,600 | 6,870 |
| Average earning assets | $19,306,000 | 6,919 |
| Average equity | $2,430,800 | 6,896 |
| Average total loans | $15,711,400 | 6,616 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 1,501 |
| Cost of funding earning assets | 0.5827% | 4,814 |
| Net interest margin | 4.4860% | 1,017 |
| Noninterest income to average assets | 1.3139% | 852 |
| Noninterest expense to average assets | 2.7093% | 4,328 |
| Loan and lease loss provision to assets | 0.1466% | 3,705 |
| Net operating income to assets | 1.9274% | 427 |
| Return on assets (ROA) | 1.9274% | 496 |
| Pretax return on assets | 1.9274% | 818 |
| Return on Equity (ROE) | 19.6114% | 352 |
| Retained earnings to average equity (ytd only) | 3.3698% | 4,496 |
| Net charge-offs to loans | -0.0605% | 6,756 |
| Credit loss provision to net charge-offs | -385.7143% | 6,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6402% | 5,975 |
| Assets per employee ($millions) | 5.0290% | 2,153 |
| Cash dividends to net income (ytd only)* | 82.8171% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0938% | 1,918 |
| Loan loss allowance to noncurrent loans | 116.5468% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2328% | 3,824 |
| Noncurrent loans to loans | 1.7966% | 3,080 |
| Net loans and leases to total assets | 60.2505% | 3,727 |
| Net loans and leases to deposits | 73.7621% | 3,323 |
| Net loans and leases to core deposits | 73.7621% | 4,001 |
| Total domestic deposits to total assets | 81.6822% | 5,133 |
| Equity capital to assets | 9.8270% | 4,741 |
| Core capital (leverage) ratio | 9.3004% | 4,585 |
| Tier 1 risk-based capital ratio | 14.3886% | 4,270 |
| Total risk-based capital ratio | 15.6269% | 4,248 |
| Memoranda: | ||
| Average total assets | $24,557,000 | 6,968 |
| Average earning assets | $18,992,000 | 7,015 |
| Average equity | $2,413,500 | 6,990 |
| Average total loans | $15,427,250 | 6,719 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 1,518 |
| Cost of funding earning assets | 0.6144% | 4,769 |
| Net interest margin | 4.4807% | 1,027 |
| Noninterest income to average assets | 1.3382% | 798 |
| Noninterest expense to average assets | 2.7257% | 4,304 |
| Loan and lease loss provision to assets | 0.1478% | 3,666 |
| Net operating income to assets | 1.9375% | 432 |
| Return on assets (ROA) | 1.9375% | 498 |
| Pretax return on assets | 1.9375% | 791 |
| Return on Equity (ROE) | 19.7132% | 374 |
| Retained earnings to average equity (ytd only) | -0.8353% | 6,188 |
| Net charge-offs to loans | 0.0389% | 4,829 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 84.6667% | 486 |
| Efficiency ratio | 56.6553% | 6,046 |
| Assets per employee ($millions) | 5.0542% | 2,102 |
| Cash dividends to net income (ytd only)* | 104.2373% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9768% | 2,291 |
| Loan loss allowance to noncurrent loans | 363.0952% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 5,543 |
| Noncurrent loans to loans | 0.5444% | 5,431 |
| Net loans and leases to total assets | 59.8473% | 3,854 |
| Net loans and leases to deposits | 73.6248% | 3,352 |
| Net loans and leases to core deposits | 73.6248% | 4,078 |
| Total domestic deposits to total assets | 81.2869% | 5,363 |
| Equity capital to assets | 9.5050% | 5,051 |
| Core capital (leverage) ratio | 9.7091% | 3,821 |
| Tier 1 risk-based capital ratio | 13.8932% | 4,531 |
| Total risk-based capital ratio | 15.1309% | 4,507 |
| Memoranda: | ||
| Average total assets | $24,361,000 | 7,033 |
| Average earning assets | $18,881,000 | 7,073 |
| Average equity | $2,394,330 | 7,040 |
| Average total loans | $15,411,670 | 6,777 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 1,321 |
| Cost of funding earning assets | 0.6282% | 4,907 |
| Net interest margin | 4.5709% | 866 |
| Noninterest income to average assets | 1.3888% | 753 |
| Noninterest expense to average assets | 2.8779% | 3,716 |
| Loan and lease loss provision to assets | 0.1506% | 3,484 |
| Net operating income to assets | 1.8907% | 500 |
| Return on assets (ROA) | 1.8907% | 574 |
| Pretax return on assets | 1.8907% | 896 |
| Return on Equity (ROE) | 18.9082% | 461 |
| Retained earnings to average equity (ytd only) | -6.1912% | 6,672 |
| Net charge-offs to loans | -0.0260% | 6,281 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5034% | 5,851 |
| Assets per employee ($millions) | 4.6786% | 2,693 |
| Cash dividends to net income (ytd only)* | 132.7434% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 2,441 |
| Loan loss allowance to noncurrent loans | 113.2075% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 3,866 |
| Noncurrent loans to loans | 1.7423% | 3,501 |
| Net loans and leases to total assets | 63.7370% | 2,902 |
| Net loans and leases to deposits | 80.5859% | 2,130 |
| Net loans and leases to core deposits | 80.5859% | 2,998 |
| Total domestic deposits to total assets | 79.0920% | 6,054 |
| Equity capital to assets | 10.1483% | 3,920 |
| Core capital (leverage) ratio | 9.5029% | 4,047 |
| Tier 1 risk-based capital ratio | 11.8631% | 6,044 |
| Total risk-based capital ratio | 12.9118% | 6,161 |
| Memoranda: | ||
| Average total assets | $23,906,000 | 7,100 |
| Average earning assets | $18,464,500 | 7,140 |
| Average equity | $2,390,500 | 7,093 |
| Average total loans | $15,403,000 | 6,828 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 1,617 |
| Cost of funding earning assets | 0.7725% | 5,049 |
| Net interest margin | 4.5596% | 996 |
| Noninterest income to average assets | 1.3052% | 758 |
| Noninterest expense to average assets | 3.0539% | 3,377 |
| Loan and lease loss provision to assets | 0.1255% | 5,036 |
| Net operating income to assets | 1.6566% | 597 |
| Return on assets (ROA) | 1.6566% | 638 |
| Pretax return on assets | 1.6566% | 1,089 |
| Return on Equity (ROE) | 16.9855% | 474 |
| Retained earnings to average equity (ytd only) | 3.4314% | 3,783 |
| Net charge-offs to loans | 0.0722% | 5,597 |
| Credit loss provision to net charge-offs | 272.7273% | 877 |
| Earnings coverage of net charge-offs (x) | 38.7273% | 694 |
| Efficiency ratio | 63.1488% | 5,271 |
| Assets per employee ($millions) | 4.8838% | 2,343 |
| Cash dividends to net income (ytd only)* | 79.7980% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 2,677 |
| Loan loss allowance to noncurrent loans | 114.1732% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 4,030 |
| Noncurrent loans to loans | 1.6286% | 3,718 |
| Net loans and leases to total assets | 62.6807% | 3,474 |
| Net loans and leases to deposits | 79.7021% | 2,580 |
| Net loans and leases to core deposits | 79.7021% | 3,485 |
| Total domestic deposits to total assets | 78.6437% | 6,062 |
| Equity capital to assets | 9.8571% | 4,360 |
| Core capital (leverage) ratio | 9.5304% | 3,977 |
| Tier 1 risk-based capital ratio | 11.4642% | 6,184 |
| Total risk-based capital ratio | 12.4957% | 6,294 |
| Memoranda: | ||
| Average total assets | $23,904,200 | 7,127 |
| Average earning assets | $18,510,400 | 7,175 |
| Average equity | $2,331,400 | 7,161 |
| Average total loans | $15,236,200 | 6,895 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3900% | 1,544 |
| Cost of funding earning assets | 0.8020% | 5,135 |
| Net interest margin | 4.5880% | 972 |
| Noninterest income to average assets | 1.2674% | 805 |
| Noninterest expense to average assets | 2.7142% | 4,675 |
| Loan and lease loss provision to assets | 0.1514% | 4,561 |
| Net operating income to assets | 1.9628% | 369 |
| Return on assets (ROA) | 1.9628% | 405 |
| Pretax return on assets | 1.9628% | 677 |
| Return on Equity (ROE) | 20.1799% | 298 |
| Retained earnings to average equity (ytd only) | 4.3818% | 3,606 |
| Net charge-offs to loans | 0.0176% | 5,908 |
| Credit loss provision to net charge-offs | 1,350.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 188.2584% | 205 |
| Efficiency ratio | 56.2137% | 6,248 |
| Assets per employee ($millions) | 4.8766% | 2,360 |
| Cash dividends to net income (ytd only)* | 78.2840% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 2,528 |
| Loan loss allowance to noncurrent loans | 110.4478% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4231% | 3,992 |
| Noncurrent loans to loans | 1.7501% | 3,700 |
| Net loans and leases to total assets | 61.5880% | 3,816 |
| Net loans and leases to deposits | 78.0225% | 2,984 |
| Net loans and leases to core deposits | 78.0225% | 3,910 |
| Total domestic deposits to total assets | 78.9361% | 6,000 |
| Equity capital to assets | 9.8306% | 4,582 |
| Core capital (leverage) ratio | 9.4511% | 4,226 |
| Tier 1 risk-based capital ratio | 11.0954% | 6,480 |
| Total risk-based capital ratio | 12.1002% | 6,614 |
| Memoranda: | ||
| Average total assets | $23,775,500 | 7,207 |
| Average earning assets | $18,453,500 | 7,248 |
| Average equity | $2,312,500 | 7,235 |
| Average total loans | $15,146,250 | 6,963 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3975% | 1,572 |
| Cost of funding earning assets | 0.8228% | 5,229 |
| Net interest margin | 4.5747% | 960 |
| Noninterest income to average assets | 1.2642% | 786 |
| Noninterest expense to average assets | 2.8422% | 4,266 |
| Loan and lease loss provision to assets | 0.1527% | 4,406 |
| Net operating income to assets | 1.8072% | 497 |
| Return on assets (ROA) | 1.8072% | 528 |
| Pretax return on assets | 1.8072% | 870 |
| Return on Equity (ROE) | 18.6488% | 410 |
| Retained earnings to average equity (ytd only) | -1.7511% | 6,208 |
| Net charge-offs to loans | 0.0663% | 4,973 |
| Credit loss provision to net charge-offs | 360.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 46.2000% | 669 |
| Efficiency ratio | 59.1873% | 6,000 |
| Assets per employee ($millions) | 4.7114% | 2,528 |
| Cash dividends to net income (ytd only)* | 109.3897% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 2,793 |
| Loan loss allowance to noncurrent loans | 120.3390% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3372% | 4,224 |
| Noncurrent loans to loans | 1.5469% | 4,083 |
| Net loans and leases to total assets | 63.5565% | 3,565 |
| Net loans and leases to deposits | 80.3262% | 2,731 |
| Net loans and leases to core deposits | 80.3262% | 3,740 |
| Total domestic deposits to total assets | 79.1230% | 6,055 |
| Equity capital to assets | 9.7423% | 4,477 |
| Core capital (leverage) ratio | 9.4830% | 3,983 |
| Tier 1 risk-based capital ratio | 10.9075% | 6,598 |
| Total risk-based capital ratio | 11.9228% | 6,712 |
| Memoranda: | ||
| Average total assets | $23,573,000 | 7,276 |
| Average earning assets | $18,230,670 | 7,324 |
| Average equity | $2,284,330 | 7,298 |
| Average total loans | $15,090,670 | 7,034 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 1,826 |
| Cost of funding earning assets | 0.8273% | 5,412 |
| Net interest margin | 4.4851% | 1,102 |
| Noninterest income to average assets | 1.2213% | 853 |
| Noninterest expense to average assets | 2.9685% | 3,772 |
| Loan and lease loss provision to assets | 0.1527% | 4,114 |
| Net operating income to assets | 1.5945% | 701 |
| Return on assets (ROA) | 1.5945% | 745 |
| Pretax return on assets | 1.5945% | 1,207 |
| Return on Equity (ROE) | 16.4985% | 625 |
| Retained earnings to average equity (ytd only) | -9.8289% | 6,863 |
| Net charge-offs to loans | -0.0267% | 6,670 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9496% | 5,529 |
| Assets per employee ($millions) | 4.6834% | 2,598 |
| Cash dividends to net income (ytd only)* | 159.5745% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 2,599 |
| Loan loss allowance to noncurrent loans | 128.3105% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 4,664 |
| Noncurrent loans to loans | 1.5035% | 4,218 |
| Net loans and leases to total assets | 61.0027% | 4,078 |
| Net loans and leases to deposits | 76.4967% | 3,334 |
| Net loans and leases to core deposits | 76.4967% | 4,235 |
| Total domestic deposits to total assets | 79.7455% | 6,006 |
| Equity capital to assets | 9.6298% | 4,278 |
| Core capital (leverage) ratio | 9.2643% | 4,180 |
| Tier 1 risk-based capital ratio | 10.8367% | 6,618 |
| Total risk-based capital ratio | 11.8227% | 6,756 |
| Memoranda: | ||
| Average total assets | $23,581,000 | 7,325 |
| Average earning assets | $18,372,000 | 7,378 |
| Average equity | $2,279,000 | 7,346 |
| Average total loans | $15,008,000 | 7,091 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9348% | 974 |
| Cost of funding earning assets | 1.1881% | 4,633 |
| Net interest margin | 4.7467% | 737 |
| Noninterest income to average assets | 1.3851% | 760 |
| Noninterest expense to average assets | 3.1198% | 3,386 |
| Loan and lease loss provision to assets | 0.3221% | 4,238 |
| Net operating income to assets | 1.7118% | 504 |
| Return on assets (ROA) | 1.7118% | 544 |
| Pretax return on assets | 1.7118% | 919 |
| Return on Equity (ROE) | 16.5231% | 523 |
| Retained earnings to average equity (ytd only) | 4.7082% | 2,605 |
| Net charge-offs to loans | 0.8679% | 2,459 |
| Credit loss provision to net charge-offs | 53.4351% | 6,210 |
| Earnings coverage of net charge-offs (x) | 3.3740% | 3,394 |
| Efficiency ratio | 60.5357% | 5,963 |
| Assets per employee ($millions) | 4.7490% | 2,488 |
| Cash dividends to net income (ytd only)* | 71.5054% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 3,011 |
| Loan loss allowance to noncurrent loans | 78.0980% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.6846% | 3,773 |
| Noncurrent loans to loans | 2.2460% | 3,278 |
| Net loans and leases to total assets | 63.9250% | 3,890 |
| Net loans and leases to deposits | 80.4526% | 3,081 |
| Net loans and leases to core deposits | 80.4526% | 4,145 |
| Total domestic deposits to total assets | 79.4567% | 5,982 |
| Equity capital to assets | 9.6989% | 4,137 |
| Core capital (leverage) ratio | 9.8400% | 3,275 |
| Tier 1 risk-based capital ratio | 10.9534% | 6,362 |
| Total risk-based capital ratio | 11.9640% | 6,528 |
| Memoranda: | ||
| Average total assets | $21,732,000 | 7,430 |
| Average earning assets | $17,254,200 | 7,471 |
| Average equity | $2,251,400 | 7,458 |
| Average total loans | $15,093,800 | 7,160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0058% | 924 |
| Cost of funding earning assets | 1.2466% | 4,591 |
| Net interest margin | 4.7591% | 735 |
| Noninterest income to average assets | 1.3880% | 707 |
| Noninterest expense to average assets | 2.8451% | 4,293 |
| Loan and lease loss provision to assets | 0.1696% | 5,344 |
| Net operating income to assets | 2.1857% | 245 |
| Return on assets (ROA) | 2.1857% | 264 |
| Pretax return on assets | 2.1857% | 426 |
| Return on Equity (ROE) | 20.7277% | 271 |
| Retained earnings to average equity (ytd only) | 5.3607% | 2,732 |
| Net charge-offs to loans | 0.9064% | 2,188 |
| Credit loss provision to net charge-offs | 26.4706% | 6,190 |
| Earnings coverage of net charge-offs (x) | 3.6764% | 3,340 |
| Efficiency ratio | 54.7101% | 6,721 |
| Assets per employee ($millions) | 4.4478% | 2,993 |
| Cash dividends to net income (ytd only)* | 74.1374% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 3,270 |
| Loan loss allowance to noncurrent loans | 100.3906% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 4,689 |
| Noncurrent loans to loans | 1.6595% | 4,157 |
| Net loans and leases to total assets | 68.2090% | 3,160 |
| Net loans and leases to deposits | 83.4287% | 2,801 |
| Net loans and leases to core deposits | 84.7572% | 3,839 |
| Total domestic deposits to total assets | 81.7573% | 5,095 |
| Equity capital to assets | 10.3962% | 3,645 |
| Core capital (leverage) ratio | 10.3655% | 2,844 |
| Tier 1 risk-based capital ratio | 11.5506% | 5,879 |
| Total risk-based capital ratio | 12.6137% | 6,028 |
| Memoranda: | ||
| Average total assets | $21,228,750 | 7,530 |
| Average earning assets | $17,005,500 | 7,570 |
| Average equity | $2,238,500 | 7,560 |
| Average total loans | $15,004,750 | 7,257 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0343% | 867 |
| Cost of funding earning assets | 1.2735% | 4,698 |
| Net interest margin | 4.7608% | 708 |
| Noninterest income to average assets | 1.3115% | 740 |
| Noninterest expense to average assets | 2.8432% | 4,299 |
| Loan and lease loss provision to assets | 0.1723% | 5,139 |
| Net operating income to assets | 2.1252% | 268 |
| Return on assets (ROA) | 2.1252% | 292 |
| Pretax return on assets | 2.1252% | 470 |
| Return on Equity (ROE) | 20.0542% | 316 |
| Retained earnings to average equity (ytd only) | 0.9033% | 5,405 |
| Net charge-offs to loans | 0.8208% | 2,200 |
| Credit loss provision to net charge-offs | 29.5082% | 5,740 |
| Earnings coverage of net charge-offs (x) | 3.9344% | 3,117 |
| Efficiency ratio | 55.3073% | 6,729 |
| Assets per employee ($millions) | 4.2128% | 3,357 |
| Cash dividends to net income (ytd only)* | 95.4955% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 2,359 |
| Loan loss allowance to noncurrent loans | 85.5030% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.7186% | 3,870 |
| Noncurrent loans to loans | 2.2508% | 3,428 |
| Net loans and leases to total assets | 69.9202% | 2,920 |
| Net loans and leases to deposits | 84.8778% | 2,725 |
| Net loans and leases to core deposits | 86.2851% | 3,789 |
| Total domestic deposits to total assets | 82.3775% | 4,836 |
| Equity capital to assets | 10.5773% | 3,310 |
| Core capital (leverage) ratio | 10.4904% | 2,639 |
| Tier 1 risk-based capital ratio | 11.5143% | 5,759 |
| Total risk-based capital ratio | 12.5759% | 5,904 |
| Memoranda: | ||
| Average total assets | $20,892,000 | 7,601 |
| Average earning assets | $16,804,000 | 7,641 |
| Average equity | $2,214,000 | 7,624 |
| Average total loans | $14,864,330 | 7,317 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9809% | 1,012 |
| Cost of funding earning assets | 1.2919% | 4,862 |
| Net interest margin | 4.6890% | 799 |
| Noninterest income to average assets | 1.4034% | 619 |
| Noninterest expense to average assets | 2.8453% | 4,300 |
| Loan and lease loss provision to assets | 0.1730% | 4,788 |
| Net operating income to assets | 2.1532% | 272 |
| Return on assets (ROA) | 2.1532% | 296 |
| Pretax return on assets | 2.1532% | 456 |
| Return on Equity (ROE) | 20.2990% | 364 |
| Retained earnings to average equity (ytd only) | -6.8872% | 6,724 |
| Net charge-offs to loans | 1.7582% | 987 |
| Credit loss provision to net charge-offs | 13.8462% | 5,012 |
| Earnings coverage of net charge-offs (x) | 1.8615% | 3,619 |
| Efficiency ratio | 55.0186% | 6,891 |
| Assets per employee ($millions) | 4.1506% | 3,559 |
| Cash dividends to net income (ytd only)* | 133.9286% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 2,461 |
| Loan loss allowance to noncurrent loans | 131.4286% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 4,902 |
| Noncurrent loans to loans | 1.4427% | 4,578 |
| Net loans and leases to total assets | 68.8093% | 3,199 |
| Net loans and leases to deposits | 83.6408% | 3,004 |
| Net loans and leases to core deposits | 85.0456% | 4,046 |
| Total domestic deposits to total assets | 82.2676% | 4,948 |
| Equity capital to assets | 10.5382% | 3,208 |
| Core capital (leverage) ratio | 10.3115% | 2,801 |
| Tier 1 risk-based capital ratio | 11.4648% | 5,709 |
| Total risk-based capital ratio | 12.5242% | 5,841 |
| Memoranda: | ||
| Average total assets | $20,806,000 | 7,707 |
| Average earning assets | $16,720,000 | 7,739 |
| Average equity | $2,207,000 | 7,712 |
| Average total loans | $14,788,000 | 7,416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3600% | 913 |
| Cost of funding earning assets | 1.4225% | 5,835 |
| Net interest margin | 4.9374% | 509 |
| Noninterest income to average assets | 1.4906% | 647 |
| Noninterest expense to average assets | 3.4315% | 2,582 |
| Loan and lease loss provision to assets | 0.1501% | 6,163 |
| Net operating income to assets | 2.0759% | 193 |
| Return on assets (ROA) | 2.0759% | 209 |
| Pretax return on assets | 2.0759% | 350 |
| Return on Equity (ROE) | 19.3835% | 277 |
| Retained earnings to average equity (ytd only) | 4.8108% | 1,918 |
| Net charge-offs to loans | -0.0332% | 7,820 |
| Credit loss provision to net charge-offs | -600.0000% | 7,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6543% | 6,377 |
| Assets per employee ($millions) | 4.1718% | 3,489 |
| Cash dividends to net income (ytd only)* | 75.1807% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,632 |
| Loan loss allowance to noncurrent loans | 1,144.8276% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,819 |
| Noncurrent loans to loans | 0.1931% | 6,940 |
| Net loans and leases to total assets | 70.4156% | 3,154 |
| Net loans and leases to deposits | 84.1189% | 3,235 |
| Net loans and leases to core deposits | 92.5870% | 4,820 |
| Total domestic deposits to total assets | 83.7097% | 4,174 |
| Equity capital to assets | 10.6764% | 2,991 |
| Core capital (leverage) ratio | 10.5243% | 2,580 |
| Tier 1 risk-based capital ratio | 11.6435% | 5,254 |
| Total risk-based capital ratio | 12.7220% | 5,387 |
| Memoranda: | ||
| Average total assets | $19,991,400 | 7,775 |
| Average earning assets | $16,871,200 | 7,794 |
| Average equity | $2,141,000 | 7,815 |
| Average total loans | $15,064,400 | 7,449 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3683% | 987 |
| Cost of funding earning assets | 1.4169% | 6,161 |
| Net interest margin | 4.9514% | 493 |
| Noninterest income to average assets | 1.3687% | 807 |
| Noninterest expense to average assets | 2.9667% | 4,179 |
| Loan and lease loss provision to assets | 0.1821% | 5,544 |
| Net operating income to assets | 2.4610% | 109 |
| Return on assets (ROA) | 2.4610% | 122 |
| Pretax return on assets | 2.4610% | 207 |
| Return on Equity (ROE) | 22.9606% | 176 |
| Retained earnings to average equity (ytd only) | 5.3470% | 2,284 |
| Net charge-offs to loans | -0.0354% | 7,821 |
| Credit loss provision to net charge-offs | -675.0000% | 7,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8846% | 7,339 |
| Assets per employee ($millions) | 4.0762% | 3,596 |
| Cash dividends to net income (ytd only)* | 76.7122% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1705% | 1,472 |
| Loan loss allowance to noncurrent loans | 2,342.8571% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 7,064 |
| Noncurrent loans to loans | 0.0926% | 7,253 |
| Net loans and leases to total assets | 72.5381% | 2,909 |
| Net loans and leases to deposits | 87.0518% | 3,137 |
| Net loans and leases to core deposits | 97.3528% | 4,674 |
| Total domestic deposits to total assets | 83.3276% | 4,051 |
| Equity capital to assets | 10.8582% | 3,155 |
| Core capital (leverage) ratio | 10.7697% | 2,586 |
| Tier 1 risk-based capital ratio | 11.8320% | 5,125 |
| Total risk-based capital ratio | 12.9426% | 5,200 |
| Memoranda: | ||
| Average total assets | $19,774,500 | 7,855 |
| Average earning assets | $16,937,750 | 7,873 |
| Average equity | $2,119,500 | 7,897 |
| Average total loans | $15,075,500 | 7,514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3636% | 1,071 |
| Cost of funding earning assets | 1.4312% | 6,375 |
| Net interest margin | 4.9324% | 503 |
| Noninterest income to average assets | 1.2978% | 905 |
| Noninterest expense to average assets | 3.0962% | 3,720 |
| Loan and lease loss provision to assets | 0.1839% | 5,192 |
| Net operating income to assets | 2.2787% | 169 |
| Return on assets (ROA) | 2.2787% | 183 |
| Pretax return on assets | 2.2787% | 307 |
| Return on Equity (ROE) | 21.3568% | 267 |
| Retained earnings to average equity (ytd only) | -1.2450% | 5,553 |
| Net charge-offs to loans | -0.0398% | 7,816 |
| Credit loss provision to net charge-offs | -600.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6985% | 7,148 |
| Assets per employee ($millions) | 3.9166% | 3,848 |
| Cash dividends to net income (ytd only)* | 105.8296% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 1,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 7,179 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.7341% | 2,251 |
| Net loans and leases to deposits | 90.0431% | 2,827 |
| Net loans and leases to core deposits | 100.6583% | 4,446 |
| Total domestic deposits to total assets | 84.1087% | 3,707 |
| Equity capital to assets | 10.7083% | 3,195 |
| Core capital (leverage) ratio | 10.3627% | 2,939 |
| Tier 1 risk-based capital ratio | 12.7002% | 4,360 |
| Total risk-based capital ratio | 13.9244% | 4,295 |
| Memoranda: | ||
| Average total assets | $19,572,330 | 7,942 |
| Average earning assets | $16,908,670 | 7,948 |
| Average equity | $2,088,330 | 7,986 |
| Average total loans | $15,063,330 | 7,591 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3149% | 1,254 |
| Cost of funding earning assets | 1.4085% | 6,702 |
| Net interest margin | 4.9064% | 497 |
| Noninterest income to average assets | 1.2266% | 952 |
| Noninterest expense to average assets | 3.2708% | 2,735 |
| Loan and lease loss provision to assets | 0.1840% | 4,600 |
| Net operating income to assets | 2.0443% | 324 |
| Return on assets (ROA) | 2.0443% | 367 |
| Pretax return on assets | 2.0443% | 612 |
| Return on Equity (ROE) | 19.1939% | 489 |
| Retained earnings to average equity (ytd only) | -9.5969% | 7,071 |
| Net charge-offs to loans | -0.0533% | 7,713 |
| Credit loss provision to net charge-offs | -450.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4796% | 6,481 |
| Assets per employee ($millions) | 3.8922% | 3,896 |
| Cash dividends to net income (ytd only)* | 150.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0603% | 1,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 75.2325% | 2,442 |
| Net loans and leases to deposits | 89.3779% | 3,033 |
| Net loans and leases to core deposits | 100.6323% | 4,483 |
| Total domestic deposits to total assets | 84.1735% | 3,623 |
| Equity capital to assets | 10.5853% | 3,381 |
| Core capital (leverage) ratio | 10.1250% | 3,269 |
| Tier 1 risk-based capital ratio | 12.2756% | 4,722 |
| Total risk-based capital ratio | 13.4745% | 4,679 |
| Memoranda: | ||
| Average total assets | $19,567,000 | 7,992 |
| Average earning assets | $17,039,000 | 7,994 |
| Average equity | $2,084,000 | 8,038 |
| Average total loans | $15,020,500 | 7,632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6311% | 2,334 |
| Cost of funding earning assets | 1.9365% | 6,624 |
| Net interest margin | 4.6946% | 982 |
| Noninterest income to average assets | 1.3333% | 812 |
| Noninterest expense to average assets | 3.2742% | 3,057 |
| Loan and lease loss provision to assets | 0.1544% | 5,386 |
| Net operating income to assets | 2.0232% | 334 |
| Return on assets (ROA) | 2.0232% | 318 |
| Pretax return on assets | 2.0232% | 568 |
| Return on Equity (ROE) | 19.4516% | 419 |
| Retained earnings to average equity (ytd only) | 4.3061% | 2,437 |
| Net charge-offs to loans | -0.0338% | 7,985 |
| Credit loss provision to net charge-offs | -600.0000% | 7,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0567% | 6,328 |
| Assets per employee ($millions) | 3.9346% | 3,644 |
| Cash dividends to net income (ytd only)* | 77.8626% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 1,289 |
| Loan loss allowance to noncurrent loans | 742.5000% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 6,759 |
| Noncurrent loans to loans | 0.2650% | 6,580 |
| Net loans and leases to total assets | 75.2046% | 2,830 |
| Net loans and leases to deposits | 88.9764% | 3,642 |
| Net loans and leases to core deposits | 99.2953% | 4,896 |
| Total domestic deposits to total assets | 84.5219% | 3,064 |
| Equity capital to assets | 10.7152% | 3,285 |
| Core capital (leverage) ratio | 10.5929% | 2,911 |
| Tier 1 risk-based capital ratio | 12.3447% | 4,556 |
| Total risk-based capital ratio | 13.5213% | 4,494 |
| Memoranda: | ||
| Average total assets | $19,424,800 | 8,036 |
| Average earning assets | $17,040,800 | 8,039 |
| Average equity | $2,020,400 | 8,116 |
| Average total loans | $14,772,600 | 7,662 |