Home > White State Bank > Performance and Condition Ratios
White 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 | 4.0932% | 3,819 |
| Cost of funding earning assets | 0.7400% | 3,866 |
| Net interest margin | 3.3532% | 2,509 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.5384% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3735% | 1,264 |
| Return on assets (ROA) | 1.3735% | 1,240 |
| Pretax return on assets | 1.7578% | 948 |
| Return on Equity (ROE) | 16.1700% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.3455% | 1,778 |
| Net charge-offs to loans | -0.0516% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.6710% | 4,166 |
| Assets per employee ($millions) | 9.9838% | 710 |
| Cash dividends to net income (ytd only)* | 54.5596% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 745 |
| Loan loss allowance to noncurrent loans | 30,800.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,835 |
| Noncurrent loans to loans | 0.0054% | 3,741 |
| Net loans and leases to total assets | 36.5900% | 4,137 |
| Net loans and leases to deposits | 40.5159% | 4,188 |
| Net loans and leases to core deposits | 42.2311% | 4,250 |
| Total domestic deposits to total assets | 90.3100% | 673 |
| Equity capital to assets | 9.0517% | 2,639 |
| Core capital (leverage) ratio | 10.5098% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $93,410,000 | 3,883 |
| Average earning assets | $87,437,600 | 3,855 |
| Average equity | $7,936,800 | 3,932 |
| Average total loans | $34,899,200 | 4,071 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 3,851 |
| Cost of funding earning assets | 0.6821% | 3,808 |
| Net interest margin | 3.3127% | 2,650 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.5816% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3725% | 1,380 |
| Return on assets (ROA) | 1.3725% | 1,360 |
| Pretax return on assets | 1.7399% | 1,103 |
| Return on Equity (ROE) | 16.4400% | 1,178 |
| Retained earnings to average equity (ytd only) | 4.2635% | 3,186 |
| Net charge-offs to loans | -0.0505% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.6170% | 4,066 |
| Assets per employee ($millions) | 9.1030% | 894 |
| Cash dividends to net income (ytd only)* | 74.0741% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 457 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 36.1300% | 4,179 |
| Net loans and leases to deposits | 39.6755% | 4,212 |
| Net loans and leases to core deposits | 41.4939% | 4,228 |
| Total domestic deposits to total assets | 91.0700% | 653 |
| Equity capital to assets | 8.4038% | 2,789 |
| Core capital (leverage) ratio | 10.8246% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $91,803,000 | 3,910 |
| Average earning assets | $85,809,000 | 3,886 |
| Average equity | $7,661,750 | 3,973 |
| Average total loans | $34,337,000 | 4,096 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,951 |
| Cost of funding earning assets | 0.5803% | 3,806 |
| Net interest margin | 3.2681% | 2,826 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.5685% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4034% | 1,319 |
| Return on assets (ROA) | 1.4034% | 1,301 |
| Pretax return on assets | 1.7532% | 1,105 |
| Return on Equity (ROE) | 16.8500% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.4182% | 2,469 |
| Net charge-offs to loans | -0.0520% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.2204% | 4,110 |
| Assets per employee ($millions) | 9.2052% | 851 |
| Cash dividends to net income (ytd only)* | 61.9195% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8985% | 495 |
| 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 | 35.9300% | 4,175 |
| Net loans and leases to deposits | 39.4668% | 4,229 |
| Net loans and leases to core deposits | 41.2246% | 4,234 |
| Total domestic deposits to total assets | 91.0300% | 640 |
| Equity capital to assets | 8.5191% | 2,848 |
| Core capital (leverage) ratio | 10.7727% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $92,060,667 | 3,923 |
| Average earning assets | $86,165,000 | 3,895 |
| Average equity | $7,665,667 | 3,991 |
| Average total loans | $34,604,333 | 4,105 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 4,140 |
| Cost of funding earning assets | 0.5276% | 3,605 |
| Net interest margin | 3.0870% | 3,377 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.5511% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0471% | 2,395 |
| Return on assets (ROA) | 1.0471% | 2,359 |
| Pretax return on assets | 1.5424% | 1,585 |
| Return on Equity (ROE) | 12.7200% | 2,042 |
| Retained earnings to average equity (ytd only) | -8.3933% | 4,443 |
| Net charge-offs to loans | -0.0456% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.1404% | 3,921 |
| Assets per employee ($millions) | 9.1231% | 893 |
| Cash dividends to net income (ytd only)* | 165.9751% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 563 |
| 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 | 36.2500% | 4,182 |
| Net loans and leases to deposits | 39.7734% | 4,229 |
| Net loans and leases to core deposits | 41.5566% | 4,228 |
| Total domestic deposits to total assets | 91.1400% | 757 |
| Equity capital to assets | 8.3765% | 2,986 |
| Core capital (leverage) ratio | 10.4274% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $92,065,000 | 3,974 |
| Average earning assets | $86,426,000 | 3,946 |
| Average equity | $7,577,500 | 4,050 |
| Average total loans | $35,051,500 | 4,152 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3349% | 3,506 |
| Cost of funding earning assets | 0.3159% | 2,750 |
| Net interest margin | 3.0190% | 3,401 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.7947% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0766% | 2,276 |
| Return on assets (ROA) | 0.9729% | 2,607 |
| Pretax return on assets | 1.2696% | 2,202 |
| Return on Equity (ROE) | 10.5500% | 2,634 |
| Retained earnings to average equity (ytd only) | 4.5673% | 3,216 |
| Net charge-offs to loans | -0.0058% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.1615% | 3,568 |
| Assets per employee ($millions) | 9.2899% | 832 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 759 |
| 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 | 38.5000% | 4,125 |
| Net loans and leases to deposits | 41.9900% | 4,177 |
| Net loans and leases to core deposits | 43.2891% | 4,199 |
| Total domestic deposits to total assets | 91.6900% | 719 |
| Equity capital to assets | 8.0873% | 3,004 |
| Core capital (leverage) ratio | 10.4108% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $90,655,000 | 4,006 |
| Average earning assets | $85,160,600 | 3,980 |
| Average equity | $8,363,800 | 4,063 |
| Average total loans | $34,208,200 | 4,165 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 3,536 |
| Cost of funding earning assets | 0.2884% | 2,293 |
| Net interest margin | 2.8727% | 3,564 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.8469% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9404% | 2,706 |
| Return on assets (ROA) | 0.9205% | 2,760 |
| Pretax return on assets | 1.1987% | 2,371 |
| Return on Equity (ROE) | 9.6700% | 2,822 |
| Retained earnings to average equity (ytd only) | 5.0058% | 3,100 |
| Net charge-offs to loans | -0.0317% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.1446% | 3,096 |
| Assets per employee ($millions) | 9.0301% | 884 |
| Cash dividends to net income (ytd only)* | 48.2315% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 641 |
| Loan loss allowance to noncurrent loans | 1,676.3158% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,486 |
| Noncurrent loans to loans | 0.1114% | 3,091 |
| Net loans and leases to total assets | 37.0700% | 4,182 |
| Net loans and leases to deposits | 40.2013% | 4,230 |
| Net loans and leases to core deposits | 41.7423% | 4,230 |
| Total domestic deposits to total assets | 92.2100% | 814 |
| Equity capital to assets | 7.4451% | 3,252 |
| Core capital (leverage) ratio | 10.3393% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $90,094,000 | 4,042 |
| Average earning assets | $84,611,000 | 4,013 |
| Average equity | $8,576,500 | 4,084 |
| Average total loans | $33,661,250 | 4,199 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 3,127 |
| Cost of funding earning assets | 0.3215% | 1,512 |
| Net interest margin | 2.8539% | 3,279 |
| Noninterest income to average assets | 0.3717% | 2,918 |
| Noninterest expense to average assets | 1.6746% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0559% | 1,952 |
| Return on assets (ROA) | 1.0064% | 2,101 |
| Pretax return on assets | 1.3405% | 1,612 |
| Return on Equity (ROE) | 7.6488% | 3,118 |
| Retained earnings to average equity (ytd only) | -1.8725% | 4,374 |
| Net charge-offs to loans | -0.0635% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4098% | 3,926 |
| Assets per employee ($millions) | 9.7814% | 705 |
| Cash dividends to net income (ytd only)* | 124.4813% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 967 |
| Loan loss allowance to noncurrent loans | 947.3684% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,200 |
| Noncurrent loans to loans | 0.1790% | 2,804 |
| Net loans and leases to total assets | 42.6790% | 3,924 |
| Net loans and leases to deposits | 48.4866% | 3,900 |
| Net loans and leases to core deposits | 50.6651% | 3,900 |
| Total domestic deposits to total assets | 88.0222% | 2,564 |
| Equity capital to assets | 11.5546% | 1,013 |
| Core capital (leverage) ratio | 12.3994% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,892,333 | 4,540 |
| Average earning assets | $45,411,667 | 4,517 |
| Average equity | $6,301,667 | 4,383 |
| Average total loans | $22,061,667 | 4,463 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1020% | 2,980 |
| Cost of funding earning assets | 0.3200% | 1,462 |
| Net interest margin | 2.7820% | 3,191 |
| Noninterest income to average assets | 0.2364% | 3,725 |
| Noninterest expense to average assets | 1.6123% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9623% | 2,028 |
| Return on assets (ROA) | 0.9623% | 2,025 |
| Pretax return on assets | 1.2662% | 1,602 |
| Return on Equity (ROE) | 6.8809% | 3,074 |
| Retained earnings to average equity (ytd only) | -11.2268% | 4,585 |
| Net charge-offs to loans | -0.0534% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0117% | 3,877 |
| Assets per employee ($millions) | 9.4224% | 789 |
| Cash dividends to net income (ytd only)* | 263.1579% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 1,237 |
| Loan loss allowance to noncurrent loans | 462.3377% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 2,657 |
| Noncurrent loans to loans | 0.3490% | 2,234 |
| Net loans and leases to total assets | 46.0753% | 3,570 |
| Net loans and leases to deposits | 53.0669% | 3,489 |
| Net loans and leases to core deposits | 55.5763% | 3,483 |
| Total domestic deposits to total assets | 86.8250% | 2,987 |
| Equity capital to assets | 12.8672% | 721 |
| Core capital (leverage) ratio | 13.3582% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,385,000 | 4,569 |
| Average earning assets | $45,003,000 | 4,549 |
| Average equity | $6,627,000 | 4,399 |
| Average total loans | $22,476,000 | 4,474 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 1,707 |
| Cost of funding earning assets | 0.3545% | 1,901 |
| Net interest margin | 3.5138% | 1,690 |
| Noninterest income to average assets | 0.1752% | 4,282 |
| Noninterest expense to average assets | 1.5743% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4696% | 1,082 |
| Return on assets (ROA) | 1.5996% | 838 |
| Pretax return on assets | 2.1124% | 481 |
| Return on Equity (ROE) | 10.3216% | 2,407 |
| Retained earnings to average equity (ytd only) | 2.8323% | 3,714 |
| Net charge-offs to loans | -0.0653% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6974% | 4,547 |
| Assets per employee ($millions) | 9.5316% | 781 |
| Cash dividends to net income (ytd only)* | 72.5594% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,418 |
| Loan loss allowance to noncurrent loans | 405.7471% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,659 |
| Noncurrent loans to loans | 0.3801% | 2,225 |
| Net loans and leases to total assets | 47.2869% | 3,570 |
| Net loans and leases to deposits | 56.0625% | 3,407 |
| Net loans and leases to core deposits | 58.7640% | 3,410 |
| Total domestic deposits to total assets | 84.3468% | 3,460 |
| Equity capital to assets | 15.0909% | 484 |
| Core capital (leverage) ratio | 12.8119% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,386,400 | 4,588 |
| Average earning assets | $45,135,800 | 4,561 |
| Average equity | $7,343,800 | 4,391 |
| Average total loans | $22,983,000 | 4,512 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0685% | 3,870 |
| Cost of funding earning assets | 0.3610% | 2,011 |
| Net interest margin | 2.7075% | 3,955 |
| Noninterest income to average assets | 1.1637% | 848 |
| Noninterest expense to average assets | 1.5216% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6782% | 869 |
| Return on assets (ROA) | 1.8541% | 631 |
| Pretax return on assets | 2.4430% | 369 |
| Return on Equity (ROE) | 11.8849% | 2,089 |
| Retained earnings to average equity (ytd only) | 1.9507% | 4,200 |
| Net charge-offs to loans | -0.0637% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6627% | 4,704 |
| Assets per employee ($millions) | 9.6624% | 721 |
| Cash dividends to net income (ytd only)* | 83.5866% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 1,139 |
| Loan loss allowance to noncurrent loans | 252.8986% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 2,346 |
| Noncurrent loans to loans | 0.6656% | 1,642 |
| Net loans and leases to total assets | 42.1945% | 4,078 |
| Net loans and leases to deposits | 50.0380% | 4,006 |
| Net loans and leases to core deposits | 52.4076% | 4,019 |
| Total domestic deposits to total assets | 84.3248% | 3,360 |
| Equity capital to assets | 15.0625% | 533 |
| Core capital (leverage) ratio | 12.7252% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,318,500 | 4,656 |
| Average earning assets | $45,059,250 | 4,626 |
| Average equity | $7,381,750 | 4,451 |
| Average total loans | $23,006,500 | 4,573 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1470% | 3,775 |
| Cost of funding earning assets | 0.3721% | 2,114 |
| Net interest margin | 2.7749% | 3,843 |
| Noninterest income to average assets | 1.6685% | 441 |
| Noninterest expense to average assets | 1.5238% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0886% | 416 |
| Return on assets (ROA) | 2.3240% | 292 |
| Pretax return on assets | 3.0774% | 175 |
| Return on Equity (ROE) | 14.7236% | 1,227 |
| Retained earnings to average equity (ytd only) | 9.3303% | 1,612 |
| Net charge-offs to loans | -0.0589% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4105% | 4,850 |
| Assets per employee ($millions) | 9.6900% | 677 |
| Cash dividends to net income (ytd only)* | 36.6300% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,577 |
| 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 | 46.5986% | 3,858 |
| Net loans and leases to deposits | 55.7237% | 3,732 |
| Net loans and leases to core deposits | 57.9655% | 3,758 |
| Total domestic deposits to total assets | 83.6244% | 3,540 |
| Equity capital to assets | 15.6058% | 456 |
| Core capital (leverage) ratio | 13.4433% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,987,333 | 4,684 |
| Average earning assets | $44,614,000 | 4,658 |
| Average equity | $7,416,667 | 4,474 |
| Average total loans | $23,764,000 | 4,597 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1528% | 3,776 |
| Cost of funding earning assets | 0.3816% | 2,246 |
| Net interest margin | 2.7712% | 3,827 |
| Noninterest income to average assets | 2.2138% | 317 |
| Noninterest expense to average assets | 1.5911% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4274% | 297 |
| Return on assets (ROA) | 2.9056% | 183 |
| Pretax return on assets | 3.8654% | 113 |
| Return on Equity (ROE) | 18.2994% | 693 |
| Retained earnings to average equity (ytd only) | 7.4069% | 2,451 |
| Net charge-offs to loans | -0.0496% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7986% | 4,886 |
| Assets per employee ($millions) | 9.4678% | 707 |
| Cash dividends to net income (ytd only)* | 59.5238% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 2,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.0868% | 3,532 |
| Net loans and leases to deposits | 60.9460% | 3,415 |
| Net loans and leases to core deposits | 63.4451% | 3,460 |
| Total domestic deposits to total assets | 83.8231% | 3,493 |
| Equity capital to assets | 15.4017% | 451 |
| Core capital (leverage) ratio | 13.5248% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,256,000 | 4,713 |
| Average earning assets | $44,025,000 | 4,682 |
| Average equity | $7,344,500 | 4,497 |
| Average total loans | $24,185,000 | 4,610 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 3,154 |
| Cost of funding earning assets | 0.5120% | 2,871 |
| Net interest margin | 3.3415% | 2,952 |
| Noninterest income to average assets | 0.2946% | 3,721 |
| Noninterest expense to average assets | 1.8398% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2196% | 1,484 |
| Return on assets (ROA) | 1.2691% | 1,441 |
| Pretax return on assets | 1.6820% | 884 |
| Return on Equity (ROE) | 7.8096% | 2,889 |
| Retained earnings to average equity (ytd only) | 2.0987% | 3,786 |
| Net charge-offs to loans | -0.0560% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1858% | 4,294 |
| Assets per employee ($millions) | 9.0346% | 732 |
| Cash dividends to net income (ytd only)* | 73.1261% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,899 |
| 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 | 52.0377% | 3,654 |
| Net loans and leases to deposits | 62.8126% | 3,541 |
| Net loans and leases to core deposits | 65.5503% | 3,576 |
| Total domestic deposits to total assets | 82.8459% | 3,453 |
| Equity capital to assets | 16.3770% | 394 |
| Core capital (leverage) ratio | 13.5470% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,102,600 | 4,734 |
| Average earning assets | $40,820,000 | 4,707 |
| Average equity | $7,004,200 | 4,526 |
| Average total loans | $24,988,800 | 4,616 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 3,211 |
| Cost of funding earning assets | 0.5349% | 3,023 |
| Net interest margin | 3.3775% | 2,984 |
| Noninterest income to average assets | 0.3413% | 3,433 |
| Noninterest expense to average assets | 1.6406% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4417% | 1,009 |
| Return on assets (ROA) | 1.5060% | 977 |
| Pretax return on assets | 1.9850% | 532 |
| Return on Equity (ROE) | 9.2867% | 2,288 |
| Retained earnings to average equity (ytd only) | 1.5639% | 4,065 |
| Net charge-offs to loans | -0.0686% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2898% | 4,698 |
| Assets per employee ($millions) | 8.6524% | 790 |
| Cash dividends to net income (ytd only)* | 83.1601% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,994 |
| Loan loss allowance to noncurrent loans | 1,087.0968% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,077 |
| Noncurrent loans to loans | 0.1234% | 3,890 |
| Net loans and leases to total assets | 57.2928% | 3,495 |
| Net loans and leases to deposits | 69.2134% | 3,376 |
| Net loans and leases to core deposits | 71.8289% | 3,485 |
| Total domestic deposits to total assets | 82.7770% | 3,193 |
| Equity capital to assets | 16.6613% | 405 |
| Core capital (leverage) ratio | 13.6607% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,585,000 | 4,761 |
| Average earning assets | $40,383,500 | 4,733 |
| Average equity | $6,905,750 | 4,556 |
| Average total loans | $25,274,750 | 4,636 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,534 |
| Cost of funding earning assets | 0.5550% | 3,211 |
| Net interest margin | 3.3747% | 3,171 |
| Noninterest income to average assets | 0.4249% | 2,942 |
| Noninterest expense to average assets | 1.7045% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4626% | 991 |
| Return on assets (ROA) | 1.5298% | 954 |
| Pretax return on assets | 2.0208% | 522 |
| Return on Equity (ROE) | 9.5224% | 2,138 |
| Retained earnings to average equity (ytd only) | 3.6444% | 3,098 |
| Net charge-offs to loans | -0.0711% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8223% | 4,684 |
| Assets per employee ($millions) | 8.8718% | 704 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.6777% | 3,242 |
| Net loans and leases to deposits | 72.7400% | 3,186 |
| Net loans and leases to core deposits | 75.3992% | 3,340 |
| Total domestic deposits to total assets | 83.4171% | 2,956 |
| Equity capital to assets | 16.1005% | 461 |
| Core capital (leverage) ratio | 13.9146% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,359,333 | 4,785 |
| Average earning assets | $40,359,000 | 4,759 |
| Average equity | $6,805,000 | 4,589 |
| Average total loans | $25,325,333 | 4,659 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 3,603 |
| Cost of funding earning assets | 0.5801% | 3,529 |
| Net interest margin | 3.4905% | 3,009 |
| Noninterest income to average assets | 0.2418% | 4,110 |
| Noninterest expense to average assets | 1.7215% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3905% | 1,009 |
| Return on assets (ROA) | 1.5281% | 797 |
| Pretax return on assets | 2.0116% | 438 |
| Return on Equity (ROE) | 9.5231% | 1,903 |
| Retained earnings to average equity (ytd only) | -2.5315% | 4,301 |
| Net charge-offs to loans | -0.0657% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3696% | 4,736 |
| Assets per employee ($millions) | 8.3010% | 664 |
| Cash dividends to net income (ytd only)* | 126.5823% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 1,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 58.5905% | 3,629 |
| Net loans and leases to deposits | 69.7350% | 3,613 |
| Net loans and leases to core deposits | 72.4310% | 3,736 |
| Total domestic deposits to total assets | 84.0188% | 2,786 |
| Equity capital to assets | 15.4246% | 694 |
| Core capital (leverage) ratio | 14.0991% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,359,500 | 4,826 |
| Average earning assets | $39,306,500 | 4,797 |
| Average equity | $6,636,500 | 4,644 |
| Average total loans | $24,363,500 | 4,714 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 3,685 |
| Cost of funding earning assets | 0.5920% | 3,673 |
| Net interest margin | 3.6566% | 2,937 |
| Noninterest income to average assets | 0.2652% | 4,093 |
| Noninterest expense to average assets | 1.7901% | 4,783 |
| Loan and lease loss provision to assets | 0.0765% | 2,461 |
| Net operating income to assets | 1.4056% | 1,324 |
| Return on assets (ROA) | 1.8488% | 500 |
| Pretax return on assets | 2.4404% | 232 |
| Return on Equity (ROE) | 11.0684% | 1,854 |
| Retained earnings to average equity (ytd only) | 6.4884% | 1,615 |
| Net charge-offs to loans | 0.0128% | 3,228 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 255.6667% | 321 |
| Efficiency ratio | 47.7876% | 4,840 |
| Assets per employee ($millions) | 8.2428% | 654 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,722 |
| 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 | 57.6430% | 3,795 |
| Net loans and leases to deposits | 69.6727% | 3,698 |
| Net loans and leases to core deposits | 72.4299% | 3,832 |
| Total domestic deposits to total assets | 82.7340% | 3,295 |
| Equity capital to assets | 16.6715% | 507 |
| Core capital (leverage) ratio | 14.4763% | 807 |
| Tier 1 risk-based capital ratio | 18.7228% | 1,583 |
| Total risk-based capital ratio | 19.7678% | 1,602 |
| Memoranda: | ||
| Average total assets | $39,214,800 | 4,904 |
| Average earning assets | $37,329,800 | 4,872 |
| Average equity | $6,550,200 | 4,691 |
| Average total loans | $23,395,200 | 4,796 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 3,833 |
| Cost of funding earning assets | 0.5874% | 3,751 |
| Net interest margin | 3.6512% | 3,089 |
| Noninterest income to average assets | 0.2686% | 4,132 |
| Noninterest expense to average assets | 1.7288% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5229% | 1,128 |
| Return on assets (ROA) | 1.5256% | 1,174 |
| Pretax return on assets | 2.0112% | 668 |
| Return on Equity (ROE) | 9.1291% | 2,836 |
| Retained earnings to average equity (ytd only) | 2.9468% | 3,909 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2673% | 4,929 |
| Assets per employee ($millions) | 8.0166% | 687 |
| Cash dividends to net income (ytd only)* | 67.7203% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,447 |
| Loan loss allowance to noncurrent loans | 29,700.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,764 |
| Noncurrent loans to loans | 0.0041% | 4,672 |
| Net loans and leases to total assets | 60.3697% | 3,645 |
| Net loans and leases to deposits | 73.1964% | 3,541 |
| Net loans and leases to core deposits | 76.1710% | 3,689 |
| Total domestic deposits to total assets | 82.4764% | 3,327 |
| Equity capital to assets | 16.8725% | 497 |
| Core capital (leverage) ratio | 14.4023% | 880 |
| Tier 1 risk-based capital ratio | 17.4926% | 1,945 |
| Total risk-based capital ratio | 18.4331% | 1,984 |
| Memoranda: | ||
| Average total assets | $38,715,000 | 4,990 |
| Average earning assets | $36,772,250 | 4,958 |
| Average equity | $6,470,000 | 4,759 |
| Average total loans | $23,223,750 | 4,874 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 3,940 |
| Cost of funding earning assets | 0.5836% | 3,733 |
| Net interest margin | 3.6115% | 3,216 |
| Noninterest income to average assets | 0.2823% | 4,053 |
| Noninterest expense to average assets | 1.7617% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4805% | 1,201 |
| Return on assets (ROA) | 1.4846% | 1,239 |
| Pretax return on assets | 1.9551% | 747 |
| Return on Equity (ROE) | 8.9135% | 2,891 |
| Retained earnings to average equity (ytd only) | 4.2057% | 3,147 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4648% | 4,923 |
| Assets per employee ($millions) | 7.7718% | 724 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,257 |
| Loan loss allowance to noncurrent loans | 5,940.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,731 |
| Noncurrent loans to loans | 0.0210% | 4,623 |
| Net loans and leases to total assets | 60.4107% | 3,699 |
| Net loans and leases to deposits | 73.2221% | 3,578 |
| Net loans and leases to core deposits | 76.2918% | 3,703 |
| Total domestic deposits to total assets | 82.5034% | 3,372 |
| Equity capital to assets | 17.0102% | 465 |
| Core capital (leverage) ratio | 14.5614% | 808 |
| Tier 1 risk-based capital ratio | 17.8289% | 1,846 |
| Total risk-based capital ratio | 18.7890% | 1,893 |
| Memoranda: | ||
| Average total assets | $38,259,000 | 5,033 |
| Average earning assets | $36,328,000 | 5,005 |
| Average equity | $6,372,330 | 4,801 |
| Average total loans | $22,800,000 | 4,924 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 4,050 |
| Cost of funding earning assets | 0.5510% | 3,821 |
| Net interest margin | 3.5816% | 3,319 |
| Noninterest income to average assets | 0.2951% | 3,902 |
| Noninterest expense to average assets | 1.8019% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4542% | 1,220 |
| Return on assets (ROA) | 1.4542% | 1,250 |
| Pretax return on assets | 1.9179% | 759 |
| Return on Equity (ROE) | 8.8271% | 2,883 |
| Retained earnings to average equity (ytd only) | -0.7676% | 4,622 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4419% | 4,925 |
| Assets per employee ($millions) | 7.6118% | 772 |
| Cash dividends to net income (ytd only)* | 108.6957% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,976 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,731 |
| Noncurrent loans to loans | 0.0402% | 4,586 |
| Net loans and leases to total assets | 58.0809% | 3,879 |
| Net loans and leases to deposits | 70.3287% | 3,748 |
| Net loans and leases to core deposits | 73.3240% | 3,837 |
| Total domestic deposits to total assets | 82.5849% | 3,546 |
| Equity capital to assets | 16.7608% | 476 |
| Core capital (leverage) ratio | 14.4057% | 842 |
| Tier 1 risk-based capital ratio | 17.7142% | 1,878 |
| Total risk-based capital ratio | 18.6941% | 1,901 |
| Memoranda: | ||
| Average total assets | $37,959,000 | 5,092 |
| Average earning assets | $36,296,500 | 5,051 |
| Average equity | $6,253,500 | 4,852 |
| Average total loans | $22,314,000 | 4,986 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 4,091 |
| Cost of funding earning assets | 0.4772% | 3,501 |
| Net interest margin | 3.4993% | 3,707 |
| Noninterest income to average assets | 0.2809% | 4,219 |
| Noninterest expense to average assets | 1.7311% | 5,061 |
| Loan and lease loss provision to assets | 0.0401% | 3,385 |
| Net operating income to assets | 1.4101% | 1,396 |
| Return on assets (ROA) | 1.4101% | 1,384 |
| Pretax return on assets | 1.8061% | 899 |
| Return on Equity (ROE) | 8.7312% | 3,129 |
| Retained earnings to average equity (ytd only) | 2.9325% | 3,934 |
| Net charge-offs to loans | 0.0129% | 3,256 |
| Credit loss provision to net charge-offs | 500.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 409 |
| Efficiency ratio | 48.3919% | 5,026 |
| Assets per employee ($millions) | 7.5718% | 773 |
| Cash dividends to net income (ytd only)* | 66.4137% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,889 |
| Loan loss allowance to noncurrent loans | 2,970.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,731 |
| Noncurrent loans to loans | 0.0450% | 4,543 |
| Net loans and leases to total assets | 57.9228% | 3,973 |
| Net loans and leases to deposits | 69.4241% | 3,868 |
| Net loans and leases to core deposits | 72.3658% | 3,967 |
| Total domestic deposits to total assets | 83.4333% | 3,181 |
| Equity capital to assets | 16.1864% | 510 |
| Core capital (leverage) ratio | 14.5236% | 793 |
| Tier 1 risk-based capital ratio | 18.3227% | 1,662 |
| Total risk-based capital ratio | 19.3340% | 1,693 |
| Memoranda: | ||
| Average total assets | $37,374,000 | 5,137 |
| Average earning assets | $35,207,400 | 5,108 |
| Average equity | $6,035,800 | 4,890 |
| Average total loans | $23,218,600 | 4,992 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 4,009 |
| Cost of funding earning assets | 0.4619% | 3,446 |
| Net interest margin | 3.5123% | 3,651 |
| Noninterest income to average assets | 0.2756% | 4,311 |
| Noninterest expense to average assets | 1.7430% | 5,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4245% | 1,403 |
| Return on assets (ROA) | 1.4245% | 1,404 |
| Pretax return on assets | 1.8253% | 953 |
| Return on Equity (ROE) | 8.8254% | 3,171 |
| Retained earnings to average equity (ytd only) | 1.0644% | 4,841 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8465% | 5,011 |
| Assets per employee ($millions) | 7.3438% | 824 |
| Cash dividends to net income (ytd only)* | 87.9412% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,562 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,772 |
| Noncurrent loans to loans | 0.0638% | 4,601 |
| Net loans and leases to total assets | 63.2860% | 3,511 |
| Net loans and leases to deposits | 75.8618% | 3,432 |
| Net loans and leases to core deposits | 79.2160% | 3,553 |
| Total domestic deposits to total assets | 83.4228% | 3,157 |
| Equity capital to assets | 16.2613% | 493 |
| Core capital (leverage) ratio | 14.4926% | 825 |
| Tier 1 risk-based capital ratio | 17.8667% | 1,827 |
| Total risk-based capital ratio | 18.8361% | 1,867 |
| Memoranda: | ||
| Average total assets | $37,252,750 | 5,205 |
| Average earning assets | $34,923,750 | 5,175 |
| Average equity | $6,012,750 | 4,946 |
| Average total loans | $23,466,750 | 5,047 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 3,983 |
| Cost of funding earning assets | 0.4397% | 3,430 |
| Net interest margin | 3.4949% | 3,649 |
| Noninterest income to average assets | 0.2832% | 4,289 |
| Noninterest expense to average assets | 1.7579% | 5,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4053% | 1,423 |
| Return on assets (ROA) | 1.4053% | 1,423 |
| Pretax return on assets | 1.7953% | 974 |
| Return on Equity (ROE) | 8.7279% | 3,156 |
| Retained earnings to average equity (ytd only) | 3.7500% | 3,724 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4737% | 5,051 |
| Assets per employee ($millions) | 7.3986% | 792 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,477 |
| Loan loss allowance to noncurrent loans | 1,583.3333% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,788 |
| Noncurrent loans to loans | 0.0784% | 4,561 |
| Net loans and leases to total assets | 61.2683% | 3,676 |
| Net loans and leases to deposits | 73.4851% | 3,579 |
| Net loans and leases to core deposits | 76.8435% | 3,673 |
| Total domestic deposits to total assets | 83.3752% | 3,297 |
| Equity capital to assets | 16.3761% | 455 |
| Core capital (leverage) ratio | 14.3784% | 811 |
| Tier 1 risk-based capital ratio | 18.5104% | 1,671 |
| Total risk-based capital ratio | 19.5028% | 1,693 |
| Memoranda: | ||
| Average total assets | $37,430,670 | 5,262 |
| Average earning assets | $35,022,670 | 5,234 |
| Average equity | $6,026,670 | 4,998 |
| Average total loans | $23,448,000 | 5,103 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 3,949 |
| Cost of funding earning assets | 0.4452% | 3,242 |
| Net interest margin | 3.4475% | 3,713 |
| Noninterest income to average assets | 0.3081% | 4,099 |
| Noninterest expense to average assets | 1.7955% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3174% | 1,585 |
| Return on assets (ROA) | 1.3174% | 1,591 |
| Pretax return on assets | 1.7211% | 1,066 |
| Return on Equity (ROE) | 8.2515% | 3,273 |
| Retained earnings to average equity (ytd only) | -1.7302% | 4,984 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0574% | 5,021 |
| Assets per employee ($millions) | 7.3920% | 810 |
| Cash dividends to net income (ytd only)* | 120.9677% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,808 |
| Loan loss allowance to noncurrent loans | 1,357.1429% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,810 |
| Noncurrent loans to loans | 0.0883% | 4,586 |
| Net loans and leases to total assets | 63.5417% | 3,367 |
| Net loans and leases to deposits | 75.8241% | 3,233 |
| Net loans and leases to core deposits | 79.2636% | 3,385 |
| Total domestic deposits to total assets | 83.8014% | 3,403 |
| Equity capital to assets | 15.9334% | 496 |
| Core capital (leverage) ratio | 14.2167% | 827 |
| Tier 1 risk-based capital ratio | 17.5276% | 1,963 |
| Total risk-based capital ratio | 18.4923% | 2,000 |
| Memoranda: | ||
| Average total assets | $37,649,500 | 5,315 |
| Average earning assets | $35,040,000 | 5,292 |
| Average equity | $6,011,000 | 5,056 |
| Average total loans | $23,697,000 | 5,154 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 3,687 |
| Cost of funding earning assets | 0.4352% | 2,913 |
| Net interest margin | 3.4758% | 3,605 |
| Noninterest income to average assets | 0.2265% | 4,781 |
| Noninterest expense to average assets | 1.7018% | 5,331 |
| Loan and lease loss provision to assets | 0.0270% | 3,749 |
| Net operating income to assets | 1.1425% | 1,704 |
| Return on assets (ROA) | 1.1705% | 1,639 |
| Pretax return on assets | 1.7935% | 805 |
| Return on Equity (ROE) | 7.1821% | 3,188 |
| Retained earnings to average equity (ytd only) | 2.2175% | 3,995 |
| Net charge-offs to loans | 0.0449% | 2,889 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 65.9000% | 889 |
| Efficiency ratio | 48.9147% | 5,268 |
| Assets per employee ($millions) | 7.6678% | 713 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,735 |
| Loan loss allowance to noncurrent loans | 1,140.0000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 4,798 |
| Noncurrent loans to loans | 0.1058% | 4,511 |
| Net loans and leases to total assets | 60.8753% | 3,743 |
| Net loans and leases to deposits | 76.5012% | 3,281 |
| Net loans and leases to core deposits | 80.0267% | 3,417 |
| Total domestic deposits to total assets | 79.5743% | 4,426 |
| Equity capital to assets | 15.9968% | 518 |
| Core capital (leverage) ratio | 14.2310% | 790 |
| Tier 1 risk-based capital ratio | 17.5704% | 1,930 |
| Total risk-based capital ratio | 18.5326% | 1,952 |
| Memoranda: | ||
| Average total assets | $37,078,000 | 5,377 |
| Average earning assets | $34,697,400 | 5,356 |
| Average equity | $6,042,800 | 5,096 |
| Average total loans | $22,276,600 | 5,245 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,773 |
| Cost of funding earning assets | 0.4315% | 2,878 |
| Net interest margin | 3.4364% | 3,718 |
| Noninterest income to average assets | 0.2103% | 4,957 |
| Noninterest expense to average assets | 1.7372% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1156% | 2,014 |
| Return on assets (ROA) | 1.1533% | 1,914 |
| Pretax return on assets | 1.7662% | 965 |
| Return on Equity (ROE) | 7.0427% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.3987% | 5,130 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4211% | 5,218 |
| Assets per employee ($millions) | 7.5444% | 749 |
| Cash dividends to net income (ytd only)* | 94.3395% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,615 |
| Loan loss allowance to noncurrent loans | 770.2703% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 4,748 |
| Noncurrent loans to loans | 0.1630% | 4,411 |
| Net loans and leases to total assets | 59.4295% | 3,929 |
| Net loans and leases to deposits | 75.7903% | 3,391 |
| Net loans and leases to core deposits | 79.3867% | 3,501 |
| Total domestic deposits to total assets | 78.4131% | 4,642 |
| Equity capital to assets | 16.0675% | 532 |
| Core capital (leverage) ratio | 14.1601% | 847 |
| Tier 1 risk-based capital ratio | 17.7517% | 1,928 |
| Total risk-based capital ratio | 18.7461% | 1,955 |
| Memoranda: | ||
| Average total assets | $36,762,750 | 5,442 |
| Average earning assets | $34,608,500 | 5,418 |
| Average equity | $6,020,250 | 5,159 |
| Average total loans | $21,939,750 | 5,310 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 3,670 |
| Cost of funding earning assets | 0.4241% | 2,857 |
| Net interest margin | 3.4391% | 3,633 |
| Noninterest income to average assets | 0.2634% | 4,652 |
| Noninterest expense to average assets | 1.8275% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1020% | 1,963 |
| Return on assets (ROA) | 1.1305% | 1,903 |
| Pretax return on assets | 1.7287% | 992 |
| Return on Equity (ROE) | 6.8590% | 3,631 |
| Retained earnings to average equity (ytd only) | 1.8646% | 4,501 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0313% | 5,172 |
| Assets per employee ($millions) | 7.3424% | 800 |
| Cash dividends to net income (ytd only)* | 72.8155% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,340 |
| Loan loss allowance to noncurrent loans | 712.5000% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 4,612 |
| Noncurrent loans to loans | 0.1845% | 4,378 |
| Net loans and leases to total assets | 58.2861% | 3,996 |
| Net loans and leases to deposits | 71.5580% | 3,779 |
| Net loans and leases to core deposits | 75.5793% | 3,811 |
| Total domestic deposits to total assets | 81.4529% | 4,059 |
| Equity capital to assets | 16.6294% | 449 |
| Core capital (leverage) ratio | 14.4590% | 752 |
| Tier 1 risk-based capital ratio | 18.1054% | 1,822 |
| Total risk-based capital ratio | 19.1120% | 1,851 |
| Memoranda: | ||
| Average total assets | $36,443,000 | 5,494 |
| Average earning assets | $34,427,330 | 5,465 |
| Average equity | $6,006,670 | 5,190 |
| Average total loans | $21,685,330 | 5,360 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,514 |
| Cost of funding earning assets | 0.4194% | 2,819 |
| Net interest margin | 3.4485% | 3,450 |
| Noninterest income to average assets | 0.2864% | 4,500 |
| Noninterest expense to average assets | 1.8067% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1347% | 1,730 |
| Return on assets (ROA) | 1.1347% | 1,765 |
| Pretax return on assets | 1.7406% | 919 |
| Return on Equity (ROE) | 6.9157% | 3,437 |
| Retained earnings to average equity (ytd only) | -3.1557% | 5,271 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9317% | 5,330 |
| Assets per employee ($millions) | 7.2166% | 853 |
| Cash dividends to net income (ytd only)* | 145.6311% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 2,357 |
| Loan loss allowance to noncurrent loans | 678.5714% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,800 |
| Noncurrent loans to loans | 0.1968% | 4,417 |
| Net loans and leases to total assets | 58.3516% | 3,943 |
| Net loans and leases to deposits | 70.1342% | 3,782 |
| Net loans and leases to core deposits | 74.0487% | 3,823 |
| Total domestic deposits to total assets | 83.1998% | 3,768 |
| Equity capital to assets | 16.5230% | 429 |
| Core capital (leverage) ratio | 14.1187% | 810 |
| Tier 1 risk-based capital ratio | 18.1434% | 1,821 |
| Total risk-based capital ratio | 19.1728% | 1,862 |
| Memoranda: | ||
| Average total assets | $36,308,500 | 5,563 |
| Average earning assets | $34,333,500 | 5,531 |
| Average equity | $5,957,500 | 5,245 |
| Average total loans | $21,686,500 | 5,415 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,387 |
| Cost of funding earning assets | 0.4282% | 2,725 |
| Net interest margin | 3.5214% | 3,349 |
| Noninterest income to average assets | 0.6992% | 2,174 |
| Noninterest expense to average assets | 1.7714% | 5,501 |
| Loan and lease loss provision to assets | 0.0829% | 2,699 |
| Net operating income to assets | 1.4232% | 962 |
| Return on assets (ROA) | 1.4232% | 988 |
| Pretax return on assets | 2.1859% | 336 |
| Return on Equity (ROE) | 8.5200% | 2,662 |
| Retained earnings to average equity (ytd only) | 1.0753% | 4,880 |
| Net charge-offs to loans | 0.3423% | 798 |
| Credit loss provision to net charge-offs | 39.4737% | 3,499 |
| Earnings coverage of net charge-offs (x) | 10.8026% | 2,600 |
| Efficiency ratio | 43.8440% | 5,699 |
| Assets per employee ($millions) | 7.3068% | 803 |
| Cash dividends to net income (ytd only)* | 87.3786% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,581 |
| Loan loss allowance to noncurrent loans | 467.2131% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,654 |
| Noncurrent loans to loans | 0.2769% | 4,167 |
| Net loans and leases to total assets | 59.5281% | 3,903 |
| Net loans and leases to deposits | 71.2489% | 3,784 |
| Net loans and leases to core deposits | 74.5101% | 3,876 |
| Total domestic deposits to total assets | 83.5496% | 3,586 |
| Equity capital to assets | 16.2944% | 459 |
| Core capital (leverage) ratio | 14.0171% | 812 |
| Tier 1 risk-based capital ratio | 17.8615% | 1,889 |
| Total risk-based capital ratio | 18.8656% | 1,932 |
| Memoranda: | ||
| Average total assets | $36,186,000 | 5,614 |
| Average earning assets | $34,333,000 | 5,581 |
| Average equity | $6,044,600 | 5,275 |
| Average total loans | $22,200,400 | 5,439 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9713% | 3,322 |
| Cost of funding earning assets | 0.4244% | 2,787 |
| Net interest margin | 3.5469% | 3,289 |
| Noninterest income to average assets | 0.8421% | 1,602 |
| Noninterest expense to average assets | 1.7027% | 5,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6251% | 690 |
| Return on assets (ROA) | 1.6251% | 734 |
| Pretax return on assets | 2.5042% | 215 |
| Return on Equity (ROE) | 9.6687% | 2,198 |
| Retained earnings to average equity (ytd only) | -0.2197% | 5,398 |
| Net charge-offs to loans | 0.0120% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 338.5693% | 253 |
| Efficiency ratio | 40.4741% | 5,821 |
| Assets per employee ($millions) | 7.3144% | 786 |
| Cash dividends to net income (ytd only)* | 102.2739% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,805 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 3,401 |
| Noncurrent loans to loans | 0.8503% | 2,556 |
| Net loans and leases to total assets | 59.5538% | 3,932 |
| Net loans and leases to deposits | 71.6518% | 3,835 |
| Net loans and leases to core deposits | 74.2129% | 3,982 |
| Total domestic deposits to total assets | 83.1155% | 3,538 |
| Equity capital to assets | 16.5400% | 479 |
| Core capital (leverage) ratio | 14.0380% | 833 |
| Tier 1 risk-based capital ratio | 18.2957% | 1,834 |
| Total risk-based capital ratio | 19.5005% | 1,824 |
| Memoranda: | ||
| Average total assets | $36,099,000 | 5,673 |
| Average earning assets | $34,245,250 | 5,639 |
| Average equity | $6,067,500 | 5,325 |
| Average total loans | $22,242,250 | 5,492 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,104 |
| Cost of funding earning assets | 0.4215% | 2,822 |
| Net interest margin | 3.6181% | 3,030 |
| Noninterest income to average assets | 1.1407% | 855 |
| Noninterest expense to average assets | 1.7083% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8586% | 431 |
| Return on assets (ROA) | 1.8586% | 456 |
| Pretax return on assets | 2.8713% | 134 |
| Return on Equity (ROE) | 10.9983% | 1,646 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,085 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3026% | 5,954 |
| Assets per employee ($millions) | 7.2188% | 799 |
| Cash dividends to net income (ytd only)* | 44.9102% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,737 |
| Loan loss allowance to noncurrent loans | 973.5294% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 5,140 |
| Noncurrent loans to loans | 0.1577% | 4,805 |
| Net loans and leases to total assets | 58.8103% | 4,033 |
| Net loans and leases to deposits | 71.7007% | 3,814 |
| Net loans and leases to core deposits | 74.3320% | 3,954 |
| Total domestic deposits to total assets | 82.0219% | 3,987 |
| Equity capital to assets | 17.4517% | 382 |
| Core capital (leverage) ratio | 14.5823% | 701 |
| Tier 1 risk-based capital ratio | 19.9003% | 1,480 |
| Total risk-based capital ratio | 21.1503% | 1,440 |
| Memoranda: | ||
| Average total assets | $35,941,330 | 5,743 |
| Average earning assets | $34,161,670 | 5,705 |
| Average equity | $6,073,670 | 5,374 |
| Average total loans | $22,286,670 | 5,555 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 2,852 |
| Cost of funding earning assets | 0.4356% | 2,719 |
| Net interest margin | 3.6613% | 2,845 |
| Noninterest income to average assets | 0.3011% | 4,574 |
| Noninterest expense to average assets | 1.7399% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3384% | 1,155 |
| Return on assets (ROA) | 1.3384% | 1,239 |
| Pretax return on assets | 2.0298% | 533 |
| Return on Equity (ROE) | 8.0523% | 2,884 |
| Retained earnings to average equity (ytd only) | -2.0131% | 5,387 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1538% | 5,805 |
| Assets per employee ($millions) | 7.2394% | 805 |
| Cash dividends to net income (ytd only)* | 125.0000% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 2,233 |
| Loan loss allowance to noncurrent loans | 486.7647% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,819 |
| Noncurrent loans to loans | 0.2965% | 4,369 |
| Net loans and leases to total assets | 62.4499% | 3,461 |
| Net loans and leases to deposits | 75.2271% | 3,304 |
| Net loans and leases to core deposits | 76.5001% | 3,638 |
| Total domestic deposits to total assets | 83.0152% | 3,889 |
| Equity capital to assets | 16.6063% | 460 |
| Core capital (leverage) ratio | 13.8487% | 850 |
| Tier 1 risk-based capital ratio | 18.3498% | 1,898 |
| Total risk-based capital ratio | 19.5707% | 1,861 |
| Memoranda: | ||
| Average total assets | $35,865,000 | 5,800 |
| Average earning assets | $33,977,000 | 5,760 |
| Average equity | $5,961,000 | 5,431 |
| Average total loans | $22,651,000 | 5,601 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,134 |
| Cost of funding earning assets | 0.4289% | 2,860 |
| Net interest margin | 3.6171% | 3,066 |
| Noninterest income to average assets | 0.2767% | 4,907 |
| Noninterest expense to average assets | 1.6431% | 5,888 |
| Loan and lease loss provision to assets | 0.0734% | 2,802 |
| Net operating income to assets | 1.2940% | 1,279 |
| Return on assets (ROA) | 1.2959% | 1,323 |
| Pretax return on assets | 1.9678% | 573 |
| Return on Equity (ROE) | 7.7984% | 3,073 |
| Retained earnings to average equity (ytd only) | 3.5509% | 3,535 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2485% | 5,975 |
| Assets per employee ($millions) | 7.1066% | 853 |
| Cash dividends to net income (ytd only)* | 54.4662% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 2,104 |
| Loan loss allowance to noncurrent loans | 1,439.1304% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 5,383 |
| Noncurrent loans to loans | 0.1028% | 5,088 |
| Net loans and leases to total assets | 62.0128% | 3,562 |
| Net loans and leases to deposits | 75.4004% | 3,329 |
| Net loans and leases to core deposits | 76.7129% | 3,693 |
| Total domestic deposits to total assets | 82.2447% | 4,097 |
| Equity capital to assets | 16.6352% | 446 |
| Core capital (leverage) ratio | 14.1372% | 786 |
| Tier 1 risk-based capital ratio | 17.9279% | 1,983 |
| Total risk-based capital ratio | 19.1133% | 1,959 |
| Memoranda: | ||
| Average total assets | $35,420,200 | 5,864 |
| Average earning assets | $33,342,000 | 5,832 |
| Average equity | $5,885,800 | 5,459 |
| Average total loans | $21,625,600 | 5,659 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,120 |
| Cost of funding earning assets | 0.4291% | 2,916 |
| Net interest margin | 3.6256% | 3,053 |
| Noninterest income to average assets | 0.2599% | 5,083 |
| Noninterest expense to average assets | 1.6237% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3386% | 1,248 |
| Return on assets (ROA) | 1.3411% | 1,289 |
| Pretax return on assets | 2.0456% | 551 |
| Return on Equity (ROE) | 8.0730% | 3,041 |
| Retained earnings to average equity (ytd only) | 2.4038% | 4,674 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7821% | 6,045 |
| Assets per employee ($millions) | 7.0156% | 862 |
| Cash dividends to net income (ytd only)* | 70.2265% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 2,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.2885% | 3,838 |
| Net loans and leases to deposits | 72.7535% | 3,677 |
| Net loans and leases to core deposits | 74.0269% | 4,014 |
| Total domestic deposits to total assets | 82.8668% | 3,859 |
| Equity capital to assets | 16.8795% | 442 |
| Core capital (leverage) ratio | 14.1193% | 831 |
| Tier 1 risk-based capital ratio | 18.7498% | 1,836 |
| Total risk-based capital ratio | 19.9267% | 1,819 |
| Memoranda: | ||
| Average total assets | $35,392,000 | 5,941 |
| Average earning assets | $33,244,500 | 5,911 |
| Average equity | $5,879,500 | 5,530 |
| Average total loans | $21,440,500 | 5,731 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,056 |
| Cost of funding earning assets | 0.4278% | 2,955 |
| Net interest margin | 3.6271% | 2,987 |
| Noninterest income to average assets | 0.2535% | 5,132 |
| Noninterest expense to average assets | 1.6621% | 6,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3034% | 1,314 |
| Return on assets (ROA) | 1.3072% | 1,361 |
| Pretax return on assets | 1.9889% | 610 |
| Return on Equity (ROE) | 7.9104% | 3,107 |
| Retained earnings to average equity (ytd only) | 3.6483% | 3,702 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8223% | 6,087 |
| Assets per employee ($millions) | 6.9880% | 835 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 2,714 |
| Loan loss allowance to noncurrent loans | 396.1039% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,986 |
| Noncurrent loans to loans | 0.3556% | 4,430 |
| Net loans and leases to total assets | 61.0962% | 3,679 |
| Net loans and leases to deposits | 74.0085% | 3,492 |
| Net loans and leases to core deposits | 75.3140% | 3,821 |
| Total domestic deposits to total assets | 82.5529% | 4,107 |
| Equity capital to assets | 16.9662% | 423 |
| Core capital (leverage) ratio | 14.1500% | 799 |
| Tier 1 risk-based capital ratio | 19.2675% | 1,725 |
| Total risk-based capital ratio | 20.4777% | 1,708 |
| Memoranda: | ||
| Average total assets | $35,496,670 | 6,005 |
| Average earning assets | $33,195,000 | 5,973 |
| Average equity | $5,865,670 | 5,581 |
| Average total loans | $21,436,330 | 5,791 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,046 |
| Cost of funding earning assets | 0.4206% | 3,067 |
| Net interest margin | 3.6295% | 2,893 |
| Noninterest income to average assets | 0.2683% | 5,030 |
| Noninterest expense to average assets | 1.6324% | 6,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3232% | 1,198 |
| Return on assets (ROA) | 1.3305% | 1,263 |
| Pretax return on assets | 2.0238% | 562 |
| Return on Equity (ROE) | 8.1584% | 2,879 |
| Retained earnings to average equity (ytd only) | -0.4113% | 5,456 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1718% | 6,173 |
| Assets per employee ($millions) | 7.0202% | 844 |
| Cash dividends to net income (ytd only)* | 105.0420% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 2,688 |
| Loan loss allowance to noncurrent loans | 3,812.5000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 5,853 |
| Noncurrent loans to loans | 0.0380% | 5,634 |
| Net loans and leases to total assets | 59.1550% | 3,777 |
| Net loans and leases to deposits | 71.3932% | 3,604 |
| Net loans and leases to core deposits | 72.6420% | 3,901 |
| Total domestic deposits to total assets | 82.8580% | 4,215 |
| Equity capital to assets | 16.6804% | 472 |
| Core capital (leverage) ratio | 13.3890% | 1,015 |
| Tier 1 risk-based capital ratio | 19.0831% | 1,846 |
| Total risk-based capital ratio | 20.3301% | 1,806 |
| Memoranda: | ||
| Average total assets | $35,775,000 | 6,058 |
| Average earning assets | $33,283,000 | 6,035 |
| Average equity | $5,834,500 | 5,643 |
| Average total loans | $21,328,500 | 5,844 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 3,440 |
| Cost of funding earning assets | 0.4526% | 3,141 |
| Net interest margin | 3.6176% | 3,342 |
| Noninterest income to average assets | 0.3217% | 4,818 |
| Noninterest expense to average assets | 1.5412% | 6,276 |
| Loan and lease loss provision to assets | 0.1930% | 1,324 |
| Net operating income to assets | 1.2857% | 1,335 |
| Return on assets (ROA) | 1.3202% | 1,306 |
| Pretax return on assets | 2.0391% | 480 |
| Return on Equity (ROE) | 8.3192% | 2,952 |
| Retained earnings to average equity (ytd only) | 4.7941% | 2,765 |
| Net charge-offs to loans | 0.0911% | 3,199 |
| Credit loss provision to net charge-offs | 363.1579% | 725 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,062 |
| Efficiency ratio | 39.3985% | 6,407 |
| Assets per employee ($millions) | 7.2898% | 723 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 2,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.3912% | 4,006 |
| Net loans and leases to deposits | 74.9269% | 3,320 |
| Net loans and leases to core deposits | 76.2695% | 3,677 |
| Total domestic deposits to total assets | 77.9308% | 5,449 |
| Equity capital to assets | 15.9511% | 544 |
| Core capital (leverage) ratio | 13.7276% | 891 |
| Tier 1 risk-based capital ratio | 19.3360% | 1,764 |
| Total risk-based capital ratio | 20.5664% | 1,734 |
| Memoranda: | ||
| Average total assets | $35,751,200 | 6,139 |
| Average earning assets | $33,585,400 | 6,105 |
| Average equity | $5,673,600 | 5,697 |
| Average total loans | $20,845,000 | 5,928 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,569 |
| Cost of funding earning assets | 0.4568% | 3,170 |
| Net interest margin | 3.5909% | 3,463 |
| Noninterest income to average assets | 0.2961% | 5,085 |
| Noninterest expense to average assets | 1.5478% | 6,326 |
| Loan and lease loss provision to assets | 0.1349% | 1,848 |
| Net operating income to assets | 1.3042% | 1,358 |
| Return on assets (ROA) | 1.3042% | 1,417 |
| Pretax return on assets | 2.0013% | 566 |
| Return on Equity (ROE) | 8.2290% | 3,081 |
| Retained earnings to average equity (ytd only) | 3.4997% | 4,147 |
| Net charge-offs to loans | 0.1226% | 2,587 |
| Credit loss provision to net charge-offs | 189.4737% | 1,329 |
| Earnings coverage of net charge-offs (x) | 30.0032% | 1,371 |
| Efficiency ratio | 39.9797% | 6,454 |
| Assets per employee ($millions) | 7.1128% | 770 |
| Cash dividends to net income (ytd only)* | 57.4711% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 3,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.2274% | 4,037 |
| Net loans and leases to deposits | 73.1628% | 3,543 |
| Net loans and leases to core deposits | 74.4785% | 3,900 |
| Total domestic deposits to total assets | 79.5861% | 5,201 |
| Equity capital to assets | 16.0781% | 551 |
| Core capital (leverage) ratio | 13.5946% | 967 |
| Tier 1 risk-based capital ratio | 19.2366% | 1,847 |
| Total risk-based capital ratio | 20.3590% | 1,843 |
| Memoranda: | ||
| Average total assets | $35,576,750 | 6,216 |
| Average earning assets | $33,565,250 | 6,175 |
| Average equity | $5,638,500 | 5,761 |
| Average total loans | $20,659,250 | 5,997 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,525 |
| Cost of funding earning assets | 0.4658% | 3,151 |
| Net interest margin | 3.5890% | 3,408 |
| Noninterest income to average assets | 0.3148% | 4,893 |
| Noninterest expense to average assets | 1.5514% | 6,391 |
| Loan and lease loss provision to assets | 0.0956% | 2,432 |
| Net operating income to assets | 1.3322% | 1,226 |
| Return on assets (ROA) | 1.3322% | 1,272 |
| Pretax return on assets | 2.0460% | 498 |
| Return on Equity (ROE) | 8.4462% | 2,867 |
| Retained earnings to average equity (ytd only) | 4.8824% | 3,030 |
| Net charge-offs to loans | 0.1557% | 2,147 |
| Credit loss provision to net charge-offs | 106.2500% | 1,884 |
| Earnings coverage of net charge-offs (x) | 23.8125% | 1,456 |
| Efficiency ratio | 39.8782% | 6,521 |
| Assets per employee ($millions) | 5.8552% | 1,384 |
| Cash dividends to net income (ytd only)* | 42.1941% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 3,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 55.6830% | 4,327 |
| Net loans and leases to deposits | 66.8489% | 4,180 |
| Net loans and leases to core deposits | 68.0110% | 4,468 |
| Total domestic deposits to total assets | 83.2968% | 4,191 |
| Equity capital to assets | 16.3332% | 498 |
| Core capital (leverage) ratio | 13.3731% | 1,026 |
| Tier 1 risk-based capital ratio | 19.9288% | 1,705 |
| Total risk-based capital ratio | 21.0271% | 1,706 |
| Memoranda: | ||
| Average total assets | $35,581,000 | 6,278 |
| Average earning assets | $33,491,000 | 6,237 |
| Average equity | $5,612,000 | 5,802 |
| Average total loans | $20,552,330 | 6,054 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 3,429 |
| Cost of funding earning assets | 0.4766% | 3,158 |
| Net interest margin | 3.5862% | 3,310 |
| Noninterest income to average assets | 0.3351% | 4,695 |
| Noninterest expense to average assets | 1.5416% | 6,464 |
| Loan and lease loss provision to assets | 0.0447% | 3,207 |
| Net operating income to assets | 1.3629% | 1,071 |
| Return on assets (ROA) | 1.3629% | 1,117 |
| Pretax return on assets | 2.1114% | 421 |
| Return on Equity (ROE) | 8.7944% | 2,552 |
| Retained earnings to average equity (ytd only) | 1.5859% | 4,979 |
| Net charge-offs to loans | 0.3059% | 1,149 |
| Credit loss provision to net charge-offs | 25.0000% | 2,445 |
| Earnings coverage of net charge-offs (x) | 12.0625% | 1,743 |
| Efficiency ratio | 39.5770% | 6,595 |
| Assets per employee ($millions) | 7.1314% | 750 |
| Cash dividends to net income (ytd only)* | 81.9672% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.9017% | 3,855 |
| Net loans and leases to deposits | 69.5175% | 3,657 |
| Net loans and leases to core deposits | 70.7079% | 4,015 |
| Total domestic deposits to total assets | 83.2908% | 4,502 |
| Equity capital to assets | 15.6631% | 579 |
| Core capital (leverage) ratio | 12.8968% | 1,206 |
| Tier 1 risk-based capital ratio | 18.3508% | 2,165 |
| Total risk-based capital ratio | 19.3369% | 2,233 |
| Memoranda: | ||
| Average total assets | $35,806,000 | 6,336 |
| Average earning assets | $33,573,500 | 6,296 |
| Average equity | $5,549,000 | 5,852 |
| Average total loans | $20,919,500 | 6,097 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 3,475 |
| Cost of funding earning assets | 0.5580% | 3,041 |
| Net interest margin | 3.6076% | 3,437 |
| Noninterest income to average assets | 0.3354% | 4,920 |
| Noninterest expense to average assets | 1.4554% | 6,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4725% | 872 |
| Return on assets (ROA) | 1.5151% | 830 |
| Pretax return on assets | 2.3224% | 257 |
| Return on Equity (ROE) | 9.8580% | 2,167 |
| Retained earnings to average equity (ytd only) | 6.1589% | 1,880 |
| Net charge-offs to loans | -0.0253% | 6,188 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9102% | 6,724 |
| Assets per employee ($millions) | 7.1910% | 693 |
| Cash dividends to net income (ytd only)* | 37.5235% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,559 |
| Loan loss allowance to noncurrent loans | 236.1111% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 5,364 |
| Noncurrent loans to loans | 0.5155% | 4,703 |
| Net loans and leases to total assets | 57.5581% | 4,109 |
| Net loans and leases to deposits | 70.9949% | 3,654 |
| Net loans and leases to core deposits | 72.2339% | 4,038 |
| Total domestic deposits to total assets | 81.0736% | 5,153 |
| Equity capital to assets | 15.3331% | 615 |
| Core capital (leverage) ratio | 12.7360% | 1,241 |
| Tier 1 risk-based capital ratio | 20.5225% | 1,537 |
| Total risk-based capital ratio | 21.6873% | 1,523 |
| Memoranda: | ||
| Average total assets | $35,178,400 | 6,412 |
| Average earning assets | $33,151,800 | 6,370 |
| Average equity | $5,406,800 | 5,959 |
| Average total loans | $19,783,200 | 6,212 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 3,540 |
| Cost of funding earning assets | 0.5731% | 3,062 |
| Net interest margin | 3.5837% | 3,518 |
| Noninterest income to average assets | 0.3239% | 5,090 |
| Noninterest expense to average assets | 1.5435% | 6,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3987% | 1,105 |
| Return on assets (ROA) | 1.4559% | 1,023 |
| Pretax return on assets | 2.2219% | 363 |
| Return on Equity (ROE) | 9.4665% | 2,412 |
| Retained earnings to average equity (ytd only) | 4.5102% | 3,465 |
| Net charge-offs to loans | -0.0342% | 6,196 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4656% | 6,764 |
| Assets per employee ($millions) | 7.3378% | 630 |
| Cash dividends to net income (ytd only)* | 52.3561% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 4,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 53.5801% | 4,678 |
| Net loans and leases to deposits | 63.1745% | 4,609 |
| Net loans and leases to core deposits | 64.2062% | 4,881 |
| Total domestic deposits to total assets | 84.8129% | 3,835 |
| Equity capital to assets | 14.6883% | 778 |
| Core capital (leverage) ratio | 11.7876% | 1,823 |
| Tier 1 risk-based capital ratio | 20.2551% | 1,668 |
| Total risk-based capital ratio | 21.4466% | 1,663 |
| Memoranda: | ||
| Average total assets | $34,984,250 | 6,484 |
| Average earning assets | $33,037,500 | 6,445 |
| Average equity | $5,380,250 | 6,042 |
| Average total loans | $19,491,500 | 6,296 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,319 |
| Cost of funding earning assets | 0.5981% | 2,964 |
| Net interest margin | 3.6134% | 3,308 |
| Noninterest income to average assets | 0.3312% | 5,044 |
| Noninterest expense to average assets | 1.5632% | 6,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4005% | 1,079 |
| Return on assets (ROA) | 1.4877% | 992 |
| Pretax return on assets | 2.2606% | 372 |
| Return on Equity (ROE) | 9.5215% | 2,409 |
| Retained earnings to average equity (ytd only) | 5.8021% | 2,556 |
| Net charge-offs to loans | -0.0517% | 6,277 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6579% | 6,809 |
| Assets per employee ($millions) | 6.8524% | 768 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,370 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,533 |
| Noncurrent loans to loans | 0.0156% | 6,383 |
| Net loans and leases to total assets | 55.2799% | 4,404 |
| Net loans and leases to deposits | 67.3183% | 4,099 |
| Net loans and leases to core deposits | 68.5363% | 4,448 |
| Total domestic deposits to total assets | 82.1172% | 5,017 |
| Equity capital to assets | 15.6091% | 601 |
| Core capital (leverage) ratio | 13.0174% | 1,153 |
| Tier 1 risk-based capital ratio | 21.8078% | 1,324 |
| Total risk-based capital ratio | 23.0560% | 1,296 |
| Memoranda: | ||
| Average total assets | $34,416,000 | 6,540 |
| Average earning assets | $32,435,000 | 6,504 |
| Average equity | $5,377,330 | 6,086 |
| Average total loans | $19,351,000 | 6,334 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 3,204 |
| Cost of funding earning assets | 0.6156% | 2,963 |
| Net interest margin | 3.6075% | 3,228 |
| Noninterest income to average assets | 0.3479% | 4,896 |
| Noninterest expense to average assets | 1.5307% | 6,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4496% | 958 |
| Return on assets (ROA) | 1.4496% | 1,035 |
| Pretax return on assets | 2.2149% | 405 |
| Return on Equity (ROE) | 9.2730% | 2,366 |
| Retained earnings to average equity (ytd only) | 1.8546% | 5,070 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6997% | 6,891 |
| Assets per employee ($millions) | 6.8920% | 813 |
| Cash dividends to net income (ytd only)* | 80.0000% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,633 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 6,471 |
| Noncurrent loans to loans | 0.0788% | 6,248 |
| Net loans and leases to total assets | 54.5473% | 4,323 |
| Net loans and leases to deposits | 65.2787% | 4,154 |
| Net loans and leases to core deposits | 66.4322% | 4,478 |
| Total domestic deposits to total assets | 83.5607% | 4,643 |
| Equity capital to assets | 15.6790% | 613 |
| Core capital (leverage) ratio | 12.4354% | 1,367 |
| Tier 1 risk-based capital ratio | 20.4900% | 1,654 |
| Total risk-based capital ratio | 21.7150% | 1,629 |
| Memoranda: | ||
| Average total assets | $34,493,000 | 6,605 |
| Average earning assets | $32,487,500 | 6,565 |
| Average equity | $5,392,000 | 6,144 |
| Average total loans | $19,429,000 | 6,388 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 3,108 |
| Cost of funding earning assets | 0.8112% | 2,575 |
| Net interest margin | 3.7620% | 3,384 |
| Noninterest income to average assets | 0.3686% | 4,841 |
| Noninterest expense to average assets | 1.5831% | 6,818 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5106% | 895 |
| Return on assets (ROA) | 1.5106% | 993 |
| Pretax return on assets | 2.3021% | 340 |
| Return on Equity (ROE) | 9.6566% | 2,334 |
| Retained earnings to average equity (ytd only) | 5.7940% | 2,202 |
| Net charge-offs to loans | -0.0334% | 6,630 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5692% | 6,956 |
| Assets per employee ($millions) | 6.9052% | 801 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,814 |
| Loan loss allowance to noncurrent loans | 1,785.7143% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,545 |
| Noncurrent loans to loans | 0.0707% | 6,311 |
| Net loans and leases to total assets | 56.6559% | 4,172 |
| Net loans and leases to deposits | 69.5552% | 3,765 |
| Net loans and leases to core deposits | 71.4818% | 4,105 |
| Total domestic deposits to total assets | 81.4546% | 5,267 |
| Equity capital to assets | 15.5854% | 622 |
| Core capital (leverage) ratio | 12.4312% | 1,351 |
| Tier 1 risk-based capital ratio | 19.2961% | 1,869 |
| Total risk-based capital ratio | 20.4630% | 1,871 |
| Memoranda: | ||
| Average total assets | $33,100,200 | 6,679 |
| Average earning assets | $30,941,000 | 6,640 |
| Average equity | $5,177,800 | 6,249 |
| Average total loans | $17,983,000 | 6,510 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 3,145 |
| Cost of funding earning assets | 0.8406% | 2,622 |
| Net interest margin | 3.7761% | 3,437 |
| Noninterest income to average assets | 0.3543% | 4,986 |
| Noninterest expense to average assets | 1.6288% | 6,854 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4862% | 1,043 |
| Return on assets (ROA) | 1.4862% | 1,158 |
| Pretax return on assets | 2.2558% | 433 |
| Return on Equity (ROE) | 9.4919% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.2908% | 3,868 |
| Net charge-offs to loans | -0.0456% | 6,684 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7275% | 7,016 |
| Assets per employee ($millions) | 6.6418% | 884 |
| Cash dividends to net income (ytd only)* | 54.7950% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,526 |
| Loan loss allowance to noncurrent loans | 1,785.7143% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 6,655 |
| Noncurrent loans to loans | 0.0763% | 6,428 |
| Net loans and leases to total assets | 54.4762% | 4,670 |
| Net loans and leases to deposits | 65.2281% | 4,565 |
| Net loans and leases to core deposits | 67.0733% | 4,830 |
| Total domestic deposits to total assets | 83.5165% | 4,424 |
| Equity capital to assets | 15.8451% | 635 |
| Core capital (leverage) ratio | 12.5594% | 1,378 |
| Tier 1 risk-based capital ratio | 20.2004% | 1,707 |
| Total risk-based capital ratio | 21.4506% | 1,677 |
| Memoranda: | ||
| Average total assets | $32,743,750 | 6,777 |
| Average earning assets | $30,612,750 | 6,733 |
| Average equity | $5,127,000 | 6,329 |
| Average total loans | $17,526,000 | 6,616 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 3,166 |
| Cost of funding earning assets | 0.8721% | 2,644 |
| Net interest margin | 3.7705% | 3,494 |
| Noninterest income to average assets | 0.3498% | 5,042 |
| Noninterest expense to average assets | 1.6447% | 6,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4790% | 1,030 |
| Return on assets (ROA) | 1.4790% | 1,155 |
| Pretax return on assets | 2.2339% | 463 |
| Return on Equity (ROE) | 9.4845% | 2,577 |
| Retained earnings to average equity (ytd only) | 5.5490% | 2,962 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1899% | 7,060 |
| Assets per employee ($millions) | 6.6108% | 901 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 4,454 |
| Loan loss allowance to noncurrent loans | 1,742.8571% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 6,722 |
| Noncurrent loans to loans | 0.0805% | 6,461 |
| Net loans and leases to total assets | 51.8757% | 5,117 |
| Net loans and leases to deposits | 61.9249% | 5,008 |
| Net loans and leases to core deposits | 63.6772% | 5,239 |
| Total domestic deposits to total assets | 83.7720% | 4,412 |
| Equity capital to assets | 15.6895% | 644 |
| Core capital (leverage) ratio | 12.5595% | 1,326 |
| Tier 1 risk-based capital ratio | 20.5013% | 1,573 |
| Total risk-based capital ratio | 21.7493% | 1,557 |
| Memoranda: | ||
| Average total assets | $32,588,670 | 6,828 |
| Average earning assets | $30,499,670 | 6,783 |
| Average equity | $5,082,000 | 6,371 |
| Average total loans | $17,254,330 | 6,679 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 3,031 |
| Cost of funding earning assets | 0.8964% | 2,723 |
| Net interest margin | 3.8097% | 3,347 |
| Noninterest income to average assets | 0.3832% | 4,805 |
| Noninterest expense to average assets | 1.6813% | 6,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5453% | 949 |
| Return on assets (ROA) | 1.5453% | 1,063 |
| Pretax return on assets | 2.2747% | 472 |
| Return on Equity (ROE) | 9.9404% | 2,425 |
| Retained earnings to average equity (ytd only) | 1.9881% | 5,274 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3125% | 7,099 |
| Assets per employee ($millions) | 6.4936% | 982 |
| Cash dividends to net income (ytd only)* | 80.0000% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,573 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 6,814 |
| Noncurrent loans to loans | 0.0693% | 6,580 |
| Net loans and leases to total assets | 52.5748% | 4,940 |
| Net loans and leases to deposits | 62.7735% | 4,801 |
| Net loans and leases to core deposits | 64.5833% | 5,050 |
| Total domestic deposits to total assets | 83.7532% | 4,615 |
| Equity capital to assets | 15.5507% | 649 |
| Core capital (leverage) ratio | 12.3281% | 1,422 |
| Tier 1 risk-based capital ratio | 20.0795% | 1,692 |
| Total risk-based capital ratio | 21.3303% | 1,664 |
| Memoranda: | ||
| Average total assets | $32,356,000 | 6,882 |
| Average earning assets | $30,343,500 | 6,835 |
| Average equity | $5,030,000 | 6,416 |
| Average total loans | $17,186,000 | 6,742 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 3,690 |
| Cost of funding earning assets | 1.0533% | 2,995 |
| Net interest margin | 3.7704% | 3,979 |
| Noninterest income to average assets | 0.3855% | 4,742 |
| Noninterest expense to average assets | 1.6961% | 7,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5044% | 815 |
| Return on assets (ROA) | 1.5066% | 879 |
| Pretax return on assets | 2.2230% | 352 |
| Return on Equity (ROE) | 9.7688% | 2,135 |
| Retained earnings to average equity (ytd only) | 5.6030% | 2,240 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0172% | 7,193 |
| Assets per employee ($millions) | 6.4488% | 983 |
| Cash dividends to net income (ytd only)* | 42.6439% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 4,303 |
| Loan loss allowance to noncurrent loans | 12,250.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 6,979 |
| Noncurrent loans to loans | 0.0117% | 6,819 |
| Net loans and leases to total assets | 52.1430% | 5,292 |
| Net loans and leases to deposits | 62.1806% | 5,217 |
| Net loans and leases to core deposits | 63.9788% | 5,464 |
| Total domestic deposits to total assets | 83.8575% | 4,375 |
| Equity capital to assets | 15.5409% | 666 |
| Core capital (leverage) ratio | 12.0389% | 1,569 |
| Tier 1 risk-based capital ratio | 20.0495% | 1,631 |
| Total risk-based capital ratio | 21.2983% | 1,602 |
| Memoranda: | ||
| Average total assets | $31,129,400 | 6,937 |
| Average earning assets | $29,147,800 | 6,897 |
| Average equity | $4,801,000 | 6,505 |
| Average total loans | $16,180,400 | 6,839 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 4,048 |
| Cost of funding earning assets | 1.0814% | 3,104 |
| Net interest margin | 3.7110% | 4,289 |
| Noninterest income to average assets | 0.3760% | 4,861 |
| Noninterest expense to average assets | 1.7330% | 7,064 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4305% | 1,099 |
| Return on assets (ROA) | 1.4305% | 1,168 |
| Pretax return on assets | 2.1133% | 502 |
| Return on Equity (ROE) | 9.2939% | 2,463 |
| Retained earnings to average equity (ytd only) | 3.6782% | 4,133 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6966% | 7,186 |
| Assets per employee ($millions) | 6.6000% | 900 |
| Cash dividends to net income (ytd only)* | 60.4233% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 50.7606% | 5,610 |
| Net loans and leases to deposits | 64.2268% | 5,137 |
| Net loans and leases to core deposits | 66.1546% | 5,397 |
| Total domestic deposits to total assets | 79.0333% | 5,977 |
| Equity capital to assets | 14.8121% | 904 |
| Core capital (leverage) ratio | 12.3524% | 1,512 |
| Tier 1 risk-based capital ratio | 19.1205% | 1,891 |
| Total risk-based capital ratio | 20.3687% | 1,869 |
| Memoranda: | ||
| Average total assets | $30,850,750 | 7,012 |
| Average earning assets | $28,850,250 | 6,969 |
| Average equity | $4,748,500 | 6,574 |
| Average total loans | $15,961,000 | 6,918 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 4,055 |
| Cost of funding earning assets | 1.0984% | 3,254 |
| Net interest margin | 3.7132% | 4,203 |
| Noninterest income to average assets | 0.3849% | 4,797 |
| Noninterest expense to average assets | 1.8185% | 7,062 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3938% | 1,096 |
| Return on assets (ROA) | 1.3938% | 1,164 |
| Pretax return on assets | 2.0442% | 542 |
| Return on Equity (ROE) | 8.9324% | 2,544 |
| Retained earnings to average equity (ytd only) | 4.6789% | 3,208 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6735% | 7,211 |
| Assets per employee ($millions) | 6.3622% | 987 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 3,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 48.4361% | 6,006 |
| Net loans and leases to deposits | 57.5785% | 5,981 |
| Net loans and leases to core deposits | 59.2570% | 6,164 |
| Total domestic deposits to total assets | 84.1218% | 4,297 |
| Equity capital to assets | 15.2840% | 754 |
| Core capital (leverage) ratio | 12.4627% | 1,379 |
| Tier 1 risk-based capital ratio | 20.3529% | 1,542 |
| Total risk-based capital ratio | 21.6022% | 1,514 |
| Memoranda: | ||
| Average total assets | $30,134,330 | 7,102 |
| Average earning assets | $28,224,000 | 7,053 |
| Average equity | $4,702,000 | 6,626 |
| Average total loans | $15,616,330 | 7,005 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 3,585 |
| Cost of funding earning assets | 1.1233% | 3,348 |
| Net interest margin | 3.7785% | 3,714 |
| Noninterest income to average assets | 0.4096% | 4,630 |
| Noninterest expense to average assets | 1.8842% | 7,020 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3927% | 1,074 |
| Return on assets (ROA) | 1.3927% | 1,118 |
| Pretax return on assets | 2.0617% | 501 |
| Return on Equity (ROE) | 8.8273% | 2,541 |
| Retained earnings to average equity (ytd only) | 0.1731% | 5,739 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3287% | 7,233 |
| Assets per employee ($millions) | 5.9062% | 1,265 |
| Cash dividends to net income (ytd only)* | 98.0392% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 3,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.4328% | 5,915 |
| Net loans and leases to deposits | 59.0271% | 5,821 |
| Net loans and leases to core deposits | 59.6494% | 6,121 |
| Total domestic deposits to total assets | 83.7459% | 4,600 |
| Equity capital to assets | 15.7055% | 626 |
| Core capital (leverage) ratio | 12.3729% | 1,380 |
| Tier 1 risk-based capital ratio | 21.1355% | 1,367 |
| Total risk-based capital ratio | 22.3611% | 1,344 |
| Memoranda: | ||
| Average total assets | $29,296,000 | 7,175 |
| Average earning assets | $27,418,500 | 7,120 |
| Average equity | $4,622,000 | 6,679 |
| Average total loans | $15,598,500 | 7,052 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 2,720 |
| Cost of funding earning assets | 1.2682% | 4,090 |
| Net interest margin | 4.1217% | 2,470 |
| Noninterest income to average assets | 0.4155% | 4,776 |
| Noninterest expense to average assets | 1.8712% | 7,200 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5897% | 629 |
| Return on assets (ROA) | 1.6137% | 655 |
| Pretax return on assets | 2.4103% | 214 |
| Return on Equity (ROE) | 10.4509% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.0037% | 1,813 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7272% | 7,469 |
| Assets per employee ($millions) | 5.8122% | 1,347 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 4,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.4386% | 5,423 |
| Net loans and leases to deposits | 66.2295% | 5,369 |
| Net loans and leases to core deposits | 67.0565% | 5,766 |
| Total domestic deposits to total assets | 83.7067% | 4,502 |
| Equity capital to assets | 15.8494% | 609 |
| Core capital (leverage) ratio | 12.3300% | 1,382 |
| Tier 1 risk-based capital ratio | 19.7668% | 1,536 |
| Total risk-based capital ratio | 20.9385% | 1,524 |
| Memoranda: | ||
| Average total assets | $29,125,000 | 7,237 |
| Average earning assets | $27,124,600 | 7,188 |
| Average equity | $4,497,200 | 6,819 |
| Average total loans | $16,083,200 | 7,119 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 2,639 |
| Cost of funding earning assets | 1.2989% | 4,226 |
| Net interest margin | 4.1526% | 2,398 |
| Noninterest income to average assets | 0.3889% | 5,046 |
| Noninterest expense to average assets | 1.8988% | 7,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5739% | 779 |
| Return on assets (ROA) | 1.5739% | 854 |
| Pretax return on assets | 2.3517% | 301 |
| Return on Equity (ROE) | 10.2609% | 2,023 |
| Retained earnings to average equity (ytd only) | 4.2953% | 3,473 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4112% | 7,514 |
| Assets per employee ($millions) | 5.8020% | 1,393 |
| Cash dividends to net income (ytd only)* | 58.1389% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 4,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.2251% | 5,374 |
| Net loans and leases to deposits | 70.9172% | 5,013 |
| Net loans and leases to core deposits | 71.8596% | 5,525 |
| Total domestic deposits to total assets | 80.6929% | 5,480 |
| Equity capital to assets | 15.9600% | 685 |
| Core capital (leverage) ratio | 11.8649% | 1,731 |
| Tier 1 risk-based capital ratio | 18.7559% | 1,806 |
| Total risk-based capital ratio | 20.0056% | 1,774 |
| Memoranda: | ||
| Average total assets | $29,141,000 | 7,321 |
| Average earning assets | $27,098,750 | 7,274 |
| Average equity | $4,470,000 | 6,920 |
| Average total loans | $16,015,250 | 7,210 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4300% | 2,841 |
| Cost of funding earning assets | 1.3409% | 4,245 |
| Net interest margin | 4.0890% | 2,613 |
| Noninterest income to average assets | 0.3838% | 5,051 |
| Noninterest expense to average assets | 1.9188% | 7,234 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5213% | 872 |
| Return on assets (ROA) | 1.5213% | 934 |
| Pretax return on assets | 2.2683% | 356 |
| Return on Equity (ROE) | 10.0528% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.5245% | 2,597 |
| Net charge-offs to loans | 0.0381% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 110.3333% | 302 |
| Efficiency ratio | 43.5352% | 7,538 |
| Assets per employee ($millions) | 5.7820% | 1,386 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 3,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 53.7150% | 6,022 |
| Net loans and leases to deposits | 64.2331% | 6,013 |
| Net loans and leases to core deposits | 65.0402% | 6,307 |
| Total domestic deposits to total assets | 83.6250% | 4,280 |
| Equity capital to assets | 15.7281% | 718 |
| Core capital (leverage) ratio | 11.9237% | 1,686 |
| Tier 1 risk-based capital ratio | 19.4562% | 1,616 |
| Total risk-based capital ratio | 20.7053% | 1,589 |
| Memoranda: | ||
| Average total assets | $29,184,670 | 7,377 |
| Average earning assets | $27,145,670 | 7,331 |
| Average equity | $4,416,670 | 6,972 |
| Average total loans | $15,738,670 | 7,274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 2,964 |
| Cost of funding earning assets | 1.3648% | 4,393 |
| Net interest margin | 4.0505% | 2,646 |
| Noninterest income to average assets | 0.3820% | 5,081 |
| Noninterest expense to average assets | 1.9780% | 7,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4597% | 966 |
| Return on assets (ROA) | 1.4597% | 1,041 |
| Pretax return on assets | 2.1690% | 447 |
| Return on Equity (ROE) | 9.8357% | 2,159 |
| Retained earnings to average equity (ytd only) | 0.6435% | 5,562 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3947% | 7,575 |
| Assets per employee ($millions) | 5.7414% | 1,460 |
| Cash dividends to net income (ytd only)* | 93.4579% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 3,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 52.6945% | 6,198 |
| Net loans and leases to deposits | 62.5729% | 6,218 |
| Net loans and leases to core deposits | 63.3592% | 6,500 |
| Total domestic deposits to total assets | 84.2129% | 4,041 |
| Equity capital to assets | 15.2054% | 835 |
| Core capital (leverage) ratio | 11.2451% | 2,058 |
| Tier 1 risk-based capital ratio | 19.0125% | 1,720 |
| Total risk-based capital ratio | 20.2675% | 1,684 |
| Memoranda: | ||
| Average total assets | $29,322,000 | 7,460 |
| Average earning assets | $27,256,000 | 7,417 |
| Average equity | $4,351,500 | 7,054 |
| Average total loans | $15,723,000 | 7,364 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 2,456 |
| Cost of funding earning assets | 1.6493% | 4,797 |
| Net interest margin | 4.1965% | 2,073 |
| Noninterest income to average assets | 0.3685% | 5,455 |
| Noninterest expense to average assets | 1.8106% | 7,595 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6446% | 490 |
| Return on assets (ROA) | 1.4669% | 786 |
| Pretax return on assets | 2.1685% | 296 |
| Return on Equity (ROE) | 10.4609% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.4073% | 1,619 |
| Net charge-offs to loans | -0.0549% | 7,849 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4862% | 7,850 |
| Assets per employee ($millions) | 5.9874% | 1,254 |
| Cash dividends to net income (ytd only)* | 48.3092% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 3,633 |
| Loan loss allowance to noncurrent loans | 12,200.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,518 |
| Noncurrent loans to loans | 0.0124% | 7,410 |
| Net loans and leases to total assets | 52.8811% | 6,318 |
| Net loans and leases to deposits | 64.3877% | 6,224 |
| Net loans and leases to core deposits | 74.3728% | 6,513 |
| Total domestic deposits to total assets | 82.1291% | 4,891 |
| Equity capital to assets | 14.4904% | 1,027 |
| Core capital (leverage) ratio | 11.2170% | 2,091 |
| Tier 1 risk-based capital ratio | 17.9588% | 1,907 |
| Total risk-based capital ratio | 19.2108% | 1,867 |
| Memoranda: | ||
| Average total assets | $28,222,800 | 7,537 |
| Average earning assets | $25,950,400 | 7,506 |
| Average equity | $3,957,600 | 7,311 |
| Average total loans | $16,406,200 | 7,388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9975% | 2,052 |
| Cost of funding earning assets | 1.6927% | 4,939 |
| Net interest margin | 4.3048% | 1,718 |
| Noninterest income to average assets | 0.3837% | 5,449 |
| Noninterest expense to average assets | 1.9140% | 7,523 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4226% | 975 |
| Return on assets (ROA) | 0.7435% | 3,102 |
| Pretax return on assets | 1.4775% | 1,483 |
| Return on Equity (ROE) | 5.3504% | 3,813 |
| Retained earnings to average equity (ytd only) | -1.5534% | 5,623 |
| Net charge-offs to loans | -0.0890% | 7,913 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7035% | 7,893 |
| Assets per employee ($millions) | 5.7574% | 1,379 |
| Cash dividends to net income (ytd only)* | 129.0332% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 3,679 |
| Loan loss allowance to noncurrent loans | 12,300.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,582 |
| Noncurrent loans to loans | 0.0118% | 7,499 |
| Net loans and leases to total assets | 57.9567% | 5,899 |
| Net loans and leases to deposits | 71.7345% | 5,690 |
| Net loans and leases to core deposits | 82.6677% | 6,141 |
| Total domestic deposits to total assets | 80.7934% | 5,156 |
| Equity capital to assets | 14.2808% | 1,211 |
| Core capital (leverage) ratio | 10.8895% | 2,485 |
| Tier 1 risk-based capital ratio | 16.1791% | 2,565 |
| Total risk-based capital ratio | 17.4304% | 2,504 |
| Memoranda: | ||
| Average total assets | $27,794,250 | 7,620 |
| Average earning assets | $25,521,000 | 7,589 |
| Average equity | $3,862,500 | 7,396 |
| Average total loans | $16,489,000 | 7,449 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1021% | 1,783 |
| Cost of funding earning assets | 1.7571% | 4,960 |
| Net interest margin | 4.3449% | 1,539 |
| Noninterest income to average assets | 0.4005% | 5,277 |
| Noninterest expense to average assets | 1.9226% | 7,598 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6968% | 573 |
| Return on assets (ROA) | 1.5293% | 842 |
| Pretax return on assets | 2.2721% | 310 |
| Return on Equity (ROE) | 11.1121% | 1,672 |
| Retained earnings to average equity (ytd only) | 5.8206% | 2,107 |
| Net charge-offs to loans | -0.1346% | 7,993 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7362% | 7,984 |
| Assets per employee ($millions) | 5.5586% | 1,535 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 2,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.1077% | 6,193 |
| Net loans and leases to deposits | 65.8836% | 6,406 |
| Net loans and leases to core deposits | 76.6026% | 6,637 |
| Total domestic deposits to total assets | 85.1617% | 3,185 |
| Equity capital to assets | 14.3058% | 1,223 |
| Core capital (leverage) ratio | 11.3561% | 2,164 |
| Tier 1 risk-based capital ratio | 17.5282% | 2,141 |
| Total risk-based capital ratio | 18.7794% | 2,098 |
| Memoranda: | ||
| Average total assets | $27,463,330 | 7,707 |
| Average earning assets | $25,040,670 | 7,678 |
| Average equity | $3,779,670 | 7,483 |
| Average total loans | $16,342,000 | 7,521 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1507% | 1,759 |
| Cost of funding earning assets | 1.8614% | 4,825 |
| Net interest margin | 4.2893% | 1,632 |
| Noninterest income to average assets | 0.4396% | 4,877 |
| Noninterest expense to average assets | 2.0367% | 7,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5385% | 872 |
| Return on assets (ROA) | 1.5385% | 949 |
| Pretax return on assets | 2.2858% | 375 |
| Return on Equity (ROE) | 11.4084% | 1,845 |
| Retained earnings to average equity (ytd only) | 0.5433% | 5,439 |
| Net charge-offs to loans | 0.1929% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,419 |
| Efficiency ratio | 44.7458% | 7,900 |
| Assets per employee ($millions) | 5.4562% | 1,602 |
| Cash dividends to net income (ytd only)* | 95.2381% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 3,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.8365% | 5,687 |
| Net loans and leases to deposits | 69.3989% | 6,038 |
| Net loans and leases to core deposits | 80.7280% | 6,332 |
| Total domestic deposits to total assets | 86.2212% | 2,603 |
| Equity capital to assets | 13.2107% | 1,653 |
| Core capital (leverage) ratio | 11.3611% | 2,239 |
| Tier 1 risk-based capital ratio | 16.4182% | 2,544 |
| Total risk-based capital ratio | 17.6671% | 2,490 |
| Memoranda: | ||
| Average total assets | $27,298,500 | 7,755 |
| Average earning assets | $24,712,500 | 7,734 |
| Average equity | $3,681,500 | 7,562 |
| Average total loans | $16,593,000 | 7,551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5368% | 2,775 |
| Cost of funding earning assets | 2.2490% | 5,371 |
| Net interest margin | 4.2878% | 2,022 |
| Noninterest income to average assets | 0.4324% | 5,194 |
| Noninterest expense to average assets | 1.9017% | 7,611 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6415% | 767 |
| Return on assets (ROA) | 1.6530% | 711 |
| Pretax return on assets | 2.4450% | 221 |
| Return on Equity (ROE) | 11.5010% | 1,753 |
| Retained earnings to average equity (ytd only) | 6.1765% | 1,455 |
| Net charge-offs to loans | 0.0064% | 6,870 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 636.0000% | 87 |
| Efficiency ratio | 41.3063% | 8,095 |
| Assets per employee ($millions) | 5.4632% | 1,485 |
| Cash dividends to net income (ytd only)* | 46.2963% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,678.5714% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 7,374 |
| Noncurrent loans to loans | 0.0842% | 7,167 |
| Net loans and leases to total assets | 60.0417% | 5,902 |
| Net loans and leases to deposits | 72.9614% | 5,951 |
| Net loans and leases to core deposits | 81.6376% | 6,487 |
| Total domestic deposits to total assets | 82.2924% | 4,085 |
| Equity capital to assets | 13.7612% | 1,512 |
| Core capital (leverage) ratio | 11.1704% | 2,447 |
| Tier 1 risk-based capital ratio | 16.3954% | 2,520 |
| Total risk-based capital ratio | 17.6477% | 2,457 |
| Memoranda: | ||
| Average total assets | $26,134,800 | 7,799 |
| Average earning assets | $23,788,400 | 7,792 |
| Average equity | $3,756,200 | 7,593 |
| Average total loans | $15,596,000 | 7,613 |