Home > Bank of Ontario > Performance and Condition Ratios
Bank of Ontario, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0682% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23,266.0000% | 30 |
| Cost of funding earning assets | 120.0000% | 22 |
| Net interest margin | 118.0000% | 5 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 2.2099% | 323 |
| Pretax return on assets | 2.2099% | 486 |
| Return on Equity (ROE) | 21.3900% | 508 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0214% | 1,908 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 6.8648% | 2,442 |
| Efficiency ratio | 7.9391% | 4,554 |
| Assets per employee ($millions) | 0.1588% | 4,548 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 629.0000% | 40 |
| Total domestic deposits to total assets | 253.0000% | 17 |
| Equity capital to assets | 94,474.0000% | 10 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $15,877,000 | 4,537 |
| Average earning assets | $6,144 | 4,567 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6030% | 280 |
| Cost of funding earning assets | 1.7200% | 1,149 |
| Net interest margin | 4.8830% | 366 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.7672% | 1,503 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 2.1200% | 425 |
| Return on assets (ROA) | 2.2245% | 359 |
| Pretax return on assets | 2.2245% | 544 |
| Return on Equity (ROE) | 21.8900% | 569 |
| Retained earnings to average equity (ytd only) | 12.9860% | 816 |
| Net charge-offs to loans | 0.0019% | 2,509 |
| Credit loss provision to net charge-offs | 9,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,348.0000% | 122 |
| Efficiency ratio | 54.9164% | 3,497 |
| Assets per employee ($millions) | 5.3937% | 3,268 |
| Cash dividends to net income (ytd only)* | 40.6818% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 816 |
| Loan loss allowance to noncurrent loans | 70.8589% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 2.0147% | 143 |
| Noncurrent loans to loans | 2.3068% | 222 |
| Net loans and leases to total assets | 85.9100% | 159 |
| Net loans and leases to deposits | 105.8463% | 294 |
| Net loans and leases to core deposits | 111.9983% | 799 |
| Total domestic deposits to total assets | 81.1600% | 3,357 |
| Equity capital to assets | 10.2651% | 1,664 |
| Core capital (leverage) ratio | 10.9864% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,116,250 | 4,039 |
| Average earning assets | $75,116,000 | 4,000 |
| Average equity | $8,039,250 | 3,932 |
| Average total loans | $69,665,000 | 3,562 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2601% | 328 |
| Cost of funding earning assets | 1.5317% | 1,185 |
| Net interest margin | 4.7284% | 436 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.8171% | 1,384 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.9231% | 536 |
| Return on assets (ROA) | 2.0734% | 418 |
| Pretax return on assets | 2.0734% | 656 |
| Return on Equity (ROE) | 20.4800% | 660 |
| Retained earnings to average equity (ytd only) | 10.4142% | 1,306 |
| Net charge-offs to loans | 0.0202% | 1,484 |
| Credit loss provision to net charge-offs | 857.1429% | 454 |
| Earnings coverage of net charge-offs (x) | 116.4286% | 863 |
| Efficiency ratio | 57.5742% | 3,249 |
| Assets per employee ($millions) | 4.8381% | 3,726 |
| Cash dividends to net income (ytd only)* | 49.1400% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 940 |
| Loan loss allowance to noncurrent loans | 144.9482% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 472 |
| Noncurrent loans to loans | 1.1009% | 649 |
| Net loans and leases to total assets | 89.1400% | 50 |
| Net loans and leases to deposits | 110.5621% | 194 |
| Net loans and leases to core deposits | 116.8193% | 609 |
| Total domestic deposits to total assets | 80.6300% | 3,481 |
| Equity capital to assets | 10.5130% | 1,593 |
| Core capital (leverage) ratio | 10.6797% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $78,520,000 | 4,062 |
| Average earning assets | $74,951,000 | 4,015 |
| Average equity | $7,950,667 | 3,957 |
| Average total loans | $69,333,333 | 3,576 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7969% | 420 |
| Cost of funding earning assets | 1.2422% | 1,356 |
| Net interest margin | 4.5547% | 537 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.9036% | 1,229 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.6136% | 957 |
| Return on assets (ROA) | 1.9070% | 562 |
| Pretax return on assets | 1.9070% | 904 |
| Return on Equity (ROE) | 19.1900% | 855 |
| Retained earnings to average equity (ytd only) | 11.9129% | 1,288 |
| Net charge-offs to loans | -0.0232% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1885% | 2,662 |
| Assets per employee ($millions) | 4.9918% | 3,662 |
| Cash dividends to net income (ytd only)* | 37.9310% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,041 |
| Loan loss allowance to noncurrent loans | 272.9529% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 1,027 |
| Noncurrent loans to loans | 0.5801% | 1,282 |
| Net loans and leases to total assets | 85.6000% | 149 |
| Net loans and leases to deposits | 105.1781% | 275 |
| Net loans and leases to core deposits | 110.2404% | 700 |
| Total domestic deposits to total assets | 81.3900% | 3,572 |
| Equity capital to assets | 10.0403% | 1,802 |
| Core capital (leverage) ratio | 10.5932% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $79,075,500 | 4,111 |
| Average earning assets | $75,351,000 | 4,064 |
| Average equity | $7,857,000 | 4,016 |
| Average total loans | $68,938,500 | 3,625 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 135 |
| Cost of funding earning assets | 0.6289% | 789 |
| Net interest margin | 4.9825% | 141 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.8780% | 1,162 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 2.0344% | 280 |
| Return on assets (ROA) | 2.0330% | 270 |
| Pretax return on assets | 2.0330% | 440 |
| Return on Equity (ROE) | 19.6500% | 513 |
| Retained earnings to average equity (ytd only) | 10.6741% | 966 |
| Net charge-offs to loans | 0.0145% | 1,841 |
| Credit loss provision to net charge-offs | 1,333.3333% | 351 |
| Earnings coverage of net charge-offs (x) | 175.4444% | 714 |
| Efficiency ratio | 56.6566% | 3,509 |
| Assets per employee ($millions) | 4.8927% | 3,752 |
| Cash dividends to net income (ytd only)* | 45.6790% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 1,051 |
| Loan loss allowance to noncurrent loans | 282.7586% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 1,054 |
| Noncurrent loans to loans | 0.5511% | 1,343 |
| Net loans and leases to total assets | 86.0200% | 154 |
| Net loans and leases to deposits | 107.3831% | 210 |
| Net loans and leases to core deposits | 113.2333% | 507 |
| Total domestic deposits to total assets | 80.1100% | 3,866 |
| Equity capital to assets | 9.8297% | 1,799 |
| Core capital (leverage) ratio | 10.5500% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $71,715,800 | 4,217 |
| Average earning assets | $67,897,000 | 4,181 |
| Average equity | $7,419,800 | 4,159 |
| Average total loans | $61,992,200 | 3,693 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 118 |
| Cost of funding earning assets | 0.4772% | 850 |
| Net interest margin | 4.9960% | 118 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.9739% | 940 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.9217% | 331 |
| Return on assets (ROA) | 1.9255% | 326 |
| Pretax return on assets | 1.9255% | 548 |
| Return on Equity (ROE) | 18.3600% | 598 |
| Retained earnings to average equity (ytd only) | 12.6964% | 663 |
| Net charge-offs to loans | 0.0022% | 2,193 |
| Credit loss provision to net charge-offs | 9,000.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,100.0000% | 134 |
| Efficiency ratio | 58.6932% | 3,298 |
| Assets per employee ($millions) | 4.5814% | 3,993 |
| Cash dividends to net income (ytd only)* | 30.8300% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 1,028 |
| Loan loss allowance to noncurrent loans | 464.4444% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 1,717 |
| Noncurrent loans to loans | 0.3492% | 1,978 |
| Net loans and leases to total assets | 86.4700% | 98 |
| Net loans and leases to deposits | 108.9281% | 136 |
| Net loans and leases to core deposits | 112.8979% | 390 |
| Total domestic deposits to total assets | 79.3800% | 4,152 |
| Equity capital to assets | 10.1825% | 1,531 |
| Core capital (leverage) ratio | 11.1114% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $70,074,000 | 4,260 |
| Average earning assets | $66,211,250 | 4,226 |
| Average equity | $7,351,000 | 4,213 |
| Average total loans | $60,388,500 | 3,734 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 111 |
| Cost of funding earning assets | 0.4188% | 813 |
| Net interest margin | 4.9741% | 108 |
| Noninterest income to average assets | 0.3102% | 3,304 |
| Noninterest expense to average assets | 3.0494% | 796 |
| Loan and lease loss provision to assets | 0.1739% | 511 |
| Net operating income to assets | 1.8030% | 334 |
| Return on assets (ROA) | 1.7943% | 335 |
| Pretax return on assets | 1.7943% | 609 |
| Return on Equity (ROE) | 16.9280% | 575 |
| Retained earnings to average equity (ytd only) | 8.3956% | 1,476 |
| Net charge-offs to loans | 0.0135% | 1,507 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 170.5000% | 590 |
| Efficiency ratio | 60.6690% | 3,219 |
| Assets per employee ($millions) | 4.0701% | 4,331 |
| Cash dividends to net income (ytd only)* | 50.4039% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 1,030 |
| Loan loss allowance to noncurrent loans | 417.7686% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 1,601 |
| Noncurrent loans to loans | 0.3974% | 1,938 |
| Net loans and leases to total assets | 86.5389% | 74 |
| Net loans and leases to deposits | 108.6301% | 102 |
| Net loans and leases to core deposits | 114.4567% | 273 |
| Total domestic deposits to total assets | 79.6638% | 4,253 |
| Equity capital to assets | 10.4969% | 1,435 |
| Core capital (leverage) ratio | 10.7897% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,998,000 | 4,317 |
| Average earning assets | $65,418,667 | 4,290 |
| Average equity | $7,313,333 | 4,276 |
| Average total loans | $59,042,333 | 3,799 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 125 |
| Cost of funding earning assets | 0.4096% | 820 |
| Net interest margin | 4.7381% | 129 |
| Noninterest income to average assets | 0.2380% | 3,719 |
| Noninterest expense to average assets | 3.0304% | 786 |
| Loan and lease loss provision to assets | 0.1742% | 441 |
| Net operating income to assets | 1.5326% | 587 |
| Return on assets (ROA) | 1.5384% | 578 |
| Pretax return on assets | 1.5384% | 938 |
| Return on Equity (ROE) | 14.4444% | 746 |
| Retained earnings to average equity (ytd only) | 7.9035% | 1,612 |
| Net charge-offs to loans | 0.0551% | 748 |
| Credit loss provision to net charge-offs | 375.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 1,043 |
| Efficiency ratio | 63.9706% | 3,031 |
| Assets per employee ($millions) | 4.0707% | 4,375 |
| Cash dividends to net income (ytd only)* | 45.2830% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 1,125 |
| Loan loss allowance to noncurrent loans | 404.1322% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 1,707 |
| Noncurrent loans to loans | 0.4114% | 2,019 |
| Net loans and leases to total assets | 83.5915% | 98 |
| Net loans and leases to deposits | 102.3080% | 138 |
| Net loans and leases to core deposits | 107.4384% | 316 |
| Total domestic deposits to total assets | 81.7057% | 4,112 |
| Equity capital to assets | 10.4737% | 1,599 |
| Core capital (leverage) ratio | 10.5729% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,901,000 | 4,340 |
| Average earning assets | $65,427,500 | 4,313 |
| Average equity | $7,338,500 | 4,330 |
| Average total loans | $58,119,000 | 3,825 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 112 |
| Cost of funding earning assets | 0.5181% | 858 |
| Net interest margin | 5.1522% | 112 |
| Noninterest income to average assets | 0.3433% | 3,360 |
| Noninterest expense to average assets | 3.1979% | 730 |
| Loan and lease loss provision to assets | 0.1848% | 612 |
| Net operating income to assets | 1.8291% | 475 |
| Return on assets (ROA) | 1.9000% | 435 |
| Pretax return on assets | 1.9000% | 724 |
| Return on Equity (ROE) | 17.2077% | 557 |
| Retained earnings to average equity (ytd only) | 7.7114% | 1,657 |
| Net charge-offs to loans | 0.0774% | 1,022 |
| Credit loss provision to net charge-offs | 285.7143% | 1,093 |
| Earnings coverage of net charge-offs (x) | 31.1429% | 1,586 |
| Efficiency ratio | 61.3589% | 2,955 |
| Assets per employee ($millions) | 4.0353% | 4,414 |
| Cash dividends to net income (ytd only)* | 55.1864% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 1,123 |
| Loan loss allowance to noncurrent loans | 540.1130% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 2,272 |
| Noncurrent loans to loans | 0.3083% | 2,489 |
| Net loans and leases to total assets | 82.2988% | 165 |
| Net loans and leases to deposits | 103.1253% | 141 |
| Net loans and leases to core deposits | 108.9903% | 305 |
| Total domestic deposits to total assets | 79.8047% | 4,241 |
| Equity capital to assets | 10.8294% | 1,916 |
| Core capital (leverage) ratio | 10.8563% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,948,800 | 4,393 |
| Average earning assets | $61,372,200 | 4,370 |
| Average equity | $7,171,200 | 4,409 |
| Average total loans | $54,252,400 | 3,928 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6819% | 123 |
| Cost of funding earning assets | 0.5384% | 882 |
| Net interest margin | 5.1435% | 132 |
| Noninterest income to average assets | 0.3477% | 3,371 |
| Noninterest expense to average assets | 3.2481% | 652 |
| Loan and lease loss provision to assets | 0.1874% | 561 |
| Net operating income to assets | 1.7656% | 724 |
| Return on assets (ROA) | 1.7386% | 790 |
| Pretax return on assets | 1.7386% | 1,311 |
| Return on Equity (ROE) | 15.6655% | 1,009 |
| Retained earnings to average equity (ytd only) | 9.1929% | 1,619 |
| Net charge-offs to loans | -0.0449% | 4,302 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4500% | 2,623 |
| Assets per employee ($millions) | 3.8558% | 4,521 |
| Cash dividends to net income (ytd only)* | 41.3174% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 969 |
| Loan loss allowance to noncurrent loans | 113.0734% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 422 |
| Noncurrent loans to loans | 1.5744% | 654 |
| Net loans and leases to total assets | 82.9913% | 139 |
| Net loans and leases to deposits | 101.2206% | 199 |
| Net loans and leases to core deposits | 109.7150% | 330 |
| Total domestic deposits to total assets | 81.9906% | 3,931 |
| Equity capital to assets | 11.2435% | 1,860 |
| Core capital (leverage) ratio | 10.8636% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,036,000 | 4,464 |
| Average earning assets | $60,424,250 | 4,442 |
| Average equity | $7,106,750 | 4,475 |
| Average total loans | $53,462,250 | 3,991 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8523% | 111 |
| Cost of funding earning assets | 0.5602% | 904 |
| Net interest margin | 5.2921% | 122 |
| Noninterest income to average assets | 0.3337% | 3,428 |
| Noninterest expense to average assets | 3.3369% | 588 |
| Loan and lease loss provision to assets | 0.1889% | 596 |
| Net operating income to assets | 1.8038% | 708 |
| Return on assets (ROA) | 1.7598% | 824 |
| Pretax return on assets | 1.7598% | 1,329 |
| Return on Equity (ROE) | 15.9282% | 974 |
| Retained earnings to average equity (ytd only) | 6.0977% | 2,762 |
| Net charge-offs to loans | -0.0454% | 4,331 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6108% | 2,646 |
| Assets per employee ($millions) | 3.6729% | 4,611 |
| Cash dividends to net income (ytd only)* | 61.7174% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 1,026 |
| Loan loss allowance to noncurrent loans | 109.1848% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 483 |
| Noncurrent loans to loans | 1.5727% | 706 |
| Net loans and leases to total assets | 82.3300% | 205 |
| Net loans and leases to deposits | 101.5239% | 223 |
| Net loans and leases to core deposits | 110.0485% | 357 |
| Total domestic deposits to total assets | 81.0942% | 4,080 |
| Equity capital to assets | 10.7424% | 2,194 |
| Core capital (leverage) ratio | 10.6639% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,531,667 | 4,495 |
| Average earning assets | $59,976,000 | 4,473 |
| Average equity | $7,019,000 | 4,507 |
| Average total loans | $52,821,000 | 4,026 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9826% | 108 |
| Cost of funding earning assets | 0.6215% | 793 |
| Net interest margin | 5.3612% | 122 |
| Noninterest income to average assets | 0.3920% | 3,129 |
| Noninterest expense to average assets | 3.4768% | 485 |
| Loan and lease loss provision to assets | 0.1928% | 638 |
| Net operating income to assets | 1.7673% | 835 |
| Return on assets (ROA) | 1.6709% | 1,037 |
| Pretax return on assets | 1.6709% | 1,558 |
| Return on Equity (ROE) | 14.9051% | 1,236 |
| Retained earnings to average equity (ytd only) | 14.9051% | 635 |
| Net charge-offs to loans | -0.0698% | 4,514 |
| Credit loss provision to net charge-offs | -333.3333% | 3,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9480% | 2,471 |
| Assets per employee ($millions) | 3.3701% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 963 |
| Loan loss allowance to noncurrent loans | 109.9401% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.3040% | 543 |
| Noncurrent loans to loans | 1.5833% | 769 |
| Net loans and leases to total assets | 80.9298% | 286 |
| Net loans and leases to deposits | 95.0426% | 438 |
| Net loans and leases to core deposits | 104.8371% | 551 |
| Total domestic deposits to total assets | 85.1512% | 3,043 |
| Equity capital to assets | 11.0882% | 1,798 |
| Core capital (leverage) ratio | 11.1694% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,241,500 | 4,528 |
| Average earning assets | $58,569,500 | 4,505 |
| Average equity | $6,977,500 | 4,525 |
| Average total loans | $51,541,000 | 4,061 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 176 |
| Cost of funding earning assets | 0.9124% | 824 |
| Net interest margin | 4.6290% | 249 |
| Noninterest income to average assets | 0.3465% | 3,391 |
| Noninterest expense to average assets | 3.3150% | 889 |
| Loan and lease loss provision to assets | 0.7274% | 202 |
| Net operating income to assets | 0.6512% | 3,592 |
| Return on assets (ROA) | 0.7692% | 3,326 |
| Pretax return on assets | 0.7692% | 3,703 |
| Return on Equity (ROE) | 6.3793% | 3,454 |
| Retained earnings to average equity (ytd only) | 3.2370% | 3,210 |
| Net charge-offs to loans | 0.4300% | 388 |
| Credit loss provision to net charge-offs | 201.0526% | 2,156 |
| Earnings coverage of net charge-offs (x) | 3.8105% | 3,052 |
| Efficiency ratio | 70.6288% | 1,867 |
| Assets per employee ($millions) | 3.0226% | 4,805 |
| Cash dividends to net income (ytd only)* | 49.2574% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 954 |
| Loan loss allowance to noncurrent loans | 80.1276% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.8147% | 338 |
| Noncurrent loans to loans | 2.1791% | 499 |
| Net loans and leases to total assets | 81.8249% | 309 |
| Net loans and leases to deposits | 100.5448% | 352 |
| Net loans and leases to core deposits | 109.5597% | 523 |
| Total domestic deposits to total assets | 81.3816% | 3,789 |
| Equity capital to assets | 11.3398% | 1,995 |
| Core capital (leverage) ratio | 11.7556% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,519,400 | 4,620 |
| Average earning assets | $49,319,400 | 4,597 |
| Average equity | $6,333,000 | 4,603 |
| Average total loans | $44,184,000 | 4,220 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5130% | 223 |
| Cost of funding earning assets | 0.9404% | 930 |
| Net interest margin | 4.5727% | 329 |
| Noninterest income to average assets | 0.3403% | 3,438 |
| Noninterest expense to average assets | 3.5749% | 639 |
| Loan and lease loss provision to assets | 0.9280% | 164 |
| Net operating income to assets | 0.1346% | 4,666 |
| Return on assets (ROA) | 0.1293% | 4,699 |
| Pretax return on assets | 0.1293% | 4,705 |
| Return on Equity (ROE) | 1.0533% | 4,700 |
| Retained earnings to average equity (ytd only) | -1.9991% | 4,705 |
| Net charge-offs to loans | 0.6316% | 225 |
| Credit loss provision to net charge-offs | 174.2574% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.9950% | 3,026 |
| Efficiency ratio | 77.0762% | 1,116 |
| Assets per employee ($millions) | 3.4024% | 4,706 |
| Cash dividends to net income (ytd only)* | 289.7959% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 727 |
| Loan loss allowance to noncurrent loans | 41.4973% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 3.7051% | 94 |
| Noncurrent loans to loans | 4.3377% | 144 |
| Net loans and leases to total assets | 83.8774% | 290 |
| Net loans and leases to deposits | 102.1956% | 443 |
| Net loans and leases to core deposits | 113.8675% | 561 |
| Total domestic deposits to total assets | 82.0754% | 3,399 |
| Equity capital to assets | 11.4716% | 2,029 |
| Core capital (leverage) ratio | 11.8000% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,536,500 | 4,663 |
| Average earning assets | $47,498,250 | 4,647 |
| Average equity | $6,202,500 | 4,642 |
| Average total loans | $42,644,250 | 4,287 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 346 |
| Cost of funding earning assets | 1.0139% | 950 |
| Net interest margin | 4.4681% | 538 |
| Noninterest income to average assets | 0.3006% | 3,667 |
| Noninterest expense to average assets | 3.6599% | 605 |
| Loan and lease loss provision to assets | 1.3080% | 115 |
| Net operating income to assets | -0.4428% | 4,907 |
| Return on assets (ROA) | -0.4346% | 4,904 |
| Pretax return on assets | -0.4346% | 4,889 |
| Return on Equity (ROE) | -3.4581% | 4,905 |
| Retained earnings to average equity (ytd only) | -7.0455% | 4,852 |
| Net charge-offs to loans | 1.0252% | 137 |
| Credit loss provision to net charge-offs | 151.8868% | 2,115 |
| Earnings coverage of net charge-offs (x) | 1.0047% | 2,893 |
| Efficiency ratio | 80.8797% | 824 |
| Assets per employee ($millions) | 4.2186% | 4,084 |
| Cash dividends to net income (ytd only)* | -103.7383% | 5,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 625 |
| Loan loss allowance to noncurrent loans | 37.3534% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 4.2095% | 76 |
| Noncurrent loans to loans | 4.8799% | 116 |
| Net loans and leases to total assets | 84.6908% | 204 |
| Net loans and leases to deposits | 99.3995% | 586 |
| Net loans and leases to core deposits | 111.3353% | 692 |
| Total domestic deposits to total assets | 85.2024% | 2,308 |
| Equity capital to assets | 12.0696% | 1,621 |
| Core capital (leverage) ratio | 12.0464% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,235,667 | 4,700 |
| Average earning assets | $46,552,333 | 4,681 |
| Average equity | $6,188,333 | 4,662 |
| Average total loans | $41,359,333 | 4,328 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 163 |
| Cost of funding earning assets | 1.0884% | 1,081 |
| Net interest margin | 4.9197% | 225 |
| Noninterest income to average assets | 0.3379% | 3,492 |
| Noninterest expense to average assets | 3.9553% | 530 |
| Loan and lease loss provision to assets | 2.0024% | 70 |
| Net operating income to assets | -0.9641% | 4,983 |
| Return on assets (ROA) | -0.9641% | 4,966 |
| Pretax return on assets | -0.9641% | 4,952 |
| Return on Equity (ROE) | -7.5151% | 4,968 |
| Retained earnings to average equity (ytd only) | -7.5151% | 4,668 |
| Net charge-offs to loans | 2.1192% | 66 |
| Credit loss provision to net charge-offs | 114.0845% | 1,731 |
| Earnings coverage of net charge-offs (x) | 0.5915% | 2,456 |
| Efficiency ratio | 79.2079% | 1,218 |
| Assets per employee ($millions) | 4.3555% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 744 |
| Loan loss allowance to noncurrent loans | 60.1175% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.4859% | 276 |
| Noncurrent loans to loans | 2.9536% | 371 |
| Net loans and leases to total assets | 82.6679% | 383 |
| Net loans and leases to deposits | 100.6608% | 512 |
| Net loans and leases to core deposits | 115.7964% | 595 |
| Total domestic deposits to total assets | 82.1252% | 3,382 |
| Equity capital to assets | 12.9240% | 1,471 |
| Core capital (leverage) ratio | 12.4251% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3572% | 715 |
| Memoranda: | ||
| Average total assets | $48,542,000 | 4,733 |
| Average earning assets | $45,938,000 | 4,706 |
| Average equity | $6,227,500 | 4,694 |
| Average total loans | $40,204,500 | 4,371 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0217% | 220 |
| Cost of funding earning assets | 1.1583% | 1,131 |
| Net interest margin | 4.8635% | 356 |
| Noninterest income to average assets | 0.3918% | 3,349 |
| Noninterest expense to average assets | 2.7946% | 2,618 |
| Loan and lease loss provision to assets | 0.1799% | 1,157 |
| Net operating income to assets | 2.0170% | 338 |
| Return on assets (ROA) | 2.4428% | 154 |
| Pretax return on assets | 2.4428% | 230 |
| Return on Equity (ROE) | 20.5475% | 187 |
| Retained earnings to average equity (ytd only) | 10.7277% | 373 |
| Net charge-offs to loans | -0.0152% | 4,576 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9872% | 4,204 |
| Assets per employee ($millions) | 4.0978% | 3,777 |
| Cash dividends to net income (ytd only)* | 47.7905% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 774 |
| Loan loss allowance to noncurrent loans | 70.7946% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.9706% | 401 |
| Noncurrent loans to loans | 2.4173% | 464 |
| Net loans and leases to total assets | 80.1253% | 765 |
| Net loans and leases to deposits | 102.7728% | 429 |
| Net loans and leases to core deposits | 116.0564% | 596 |
| Total domestic deposits to total assets | 77.9635% | 4,365 |
| Equity capital to assets | 12.7367% | 1,682 |
| Core capital (leverage) ratio | 12.3490% | 1,569 |
| Tier 1 risk-based capital ratio | 20.2479% | 1,291 |
| Total risk-based capital ratio | 21.5132% | 1,264 |
| Memoranda: | ||
| Average total assets | $50,025,200 | 4,748 |
| Average earning assets | $47,312,000 | 4,726 |
| Average equity | $5,947,200 | 4,763 |
| Average total loans | $39,393,600 | 4,417 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0223% | 230 |
| Cost of funding earning assets | 1.1432% | 1,198 |
| Net interest margin | 4.8791% | 358 |
| Noninterest income to average assets | 0.3317% | 3,759 |
| Noninterest expense to average assets | 2.6380% | 3,047 |
| Loan and lease loss provision to assets | 0.1805% | 1,015 |
| Net operating income to assets | 2.1232% | 308 |
| Return on assets (ROA) | 2.6035% | 148 |
| Pretax return on assets | 2.6035% | 205 |
| Return on Equity (ROE) | 22.2889% | 151 |
| Retained earnings to average equity (ytd only) | 13.7005% | 222 |
| Net charge-offs to loans | -0.0204% | 4,589 |
| Credit loss provision to net charge-offs | -1,133.3333% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3835% | 4,456 |
| Assets per employee ($millions) | 5.0312% | 2,521 |
| Cash dividends to net income (ytd only)* | 38.5322% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 1,042 |
| Loan loss allowance to noncurrent loans | 96.6472% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3635% | 860 |
| Noncurrent loans to loans | 1.6321% | 902 |
| Net loans and leases to total assets | 82.2229% | 541 |
| Net loans and leases to deposits | 110.8824% | 206 |
| Net loans and leases to core deposits | 125.6202% | 378 |
| Total domestic deposits to total assets | 74.1533% | 4,808 |
| Equity capital to assets | 12.3887% | 1,988 |
| Core capital (leverage) ratio | 12.0104% | 1,842 |
| Tier 1 risk-based capital ratio | 23.4341% | 904 |
| Total risk-based capital ratio | 24.7034% | 882 |
| Memoranda: | ||
| Average total assets | $50,238,250 | 4,809 |
| Average earning assets | $47,466,750 | 4,787 |
| Average equity | $5,868,250 | 4,837 |
| Average total loans | $39,220,500 | 4,477 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 406 |
| Cost of funding earning assets | 1.1028% | 1,289 |
| Net interest margin | 4.6006% | 616 |
| Noninterest income to average assets | 0.3545% | 3,566 |
| Noninterest expense to average assets | 2.5810% | 3,241 |
| Loan and lease loss provision to assets | 0.1792% | 1,000 |
| Net operating income to assets | 1.9477% | 426 |
| Return on assets (ROA) | 1.9118% | 490 |
| Pretax return on assets | 1.9118% | 818 |
| Return on Equity (ROE) | 16.7053% | 498 |
| Retained earnings to average equity (ytd only) | 12.2506% | 378 |
| Net charge-offs to loans | -0.0209% | 4,555 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8223% | 4,376 |
| Assets per employee ($millions) | 4.6871% | 2,897 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,029 |
| Loan loss allowance to noncurrent loans | 54.4293% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.4594% | 306 |
| Noncurrent loans to loans | 2.9368% | 355 |
| Net loans and leases to total assets | 76.2947% | 1,507 |
| Net loans and leases to deposits | 101.4573% | 576 |
| Net loans and leases to core deposits | 116.0183% | 684 |
| Total domestic deposits to total assets | 75.1988% | 4,750 |
| Equity capital to assets | 11.7402% | 2,395 |
| Core capital (leverage) ratio | 11.7395% | 1,992 |
| Tier 1 risk-based capital ratio | 21.9058% | 1,065 |
| Total risk-based capital ratio | 23.1718% | 1,038 |
| Memoranda: | ||
| Average total assets | $50,213,670 | 4,846 |
| Average earning assets | $47,515,330 | 4,821 |
| Average equity | $5,746,670 | 4,881 |
| Average total loans | $38,283,670 | 4,539 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 761 |
| Cost of funding earning assets | 1.1739% | 979 |
| Net interest margin | 4.1258% | 1,488 |
| Noninterest income to average assets | 0.3714% | 3,372 |
| Noninterest expense to average assets | 2.6079% | 3,195 |
| Loan and lease loss provision to assets | 0.1776% | 939 |
| Net operating income to assets | 1.5018% | 1,111 |
| Return on assets (ROA) | 1.5018% | 1,142 |
| Pretax return on assets | 1.5018% | 1,763 |
| Return on Equity (ROE) | 13.3012% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.3012% | 428 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8286% | 3,697 |
| Assets per employee ($millions) | 4.9257% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 990 |
| Loan loss allowance to noncurrent loans | 50.2054% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.6616% | 266 |
| Noncurrent loans to loans | 3.2674% | 299 |
| Net loans and leases to total assets | 74.3772% | 1,735 |
| Net loans and leases to deposits | 96.1096% | 958 |
| Net loans and leases to core deposits | 110.1669% | 921 |
| Total domestic deposits to total assets | 77.3880% | 4,609 |
| Equity capital to assets | 11.6917% | 2,239 |
| Core capital (leverage) ratio | 11.6154% | 2,039 |
| Tier 1 risk-based capital ratio | 19.8353% | 1,366 |
| Total risk-based capital ratio | 21.0963% | 1,341 |
| Memoranda: | ||
| Average total assets | $49,541,500 | 4,908 |
| Average earning assets | $47,021,000 | 4,882 |
| Average equity | $5,593,500 | 4,946 |
| Average total loans | $37,438,000 | 4,606 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 283 |
| Cost of funding earning assets | 0.9559% | 906 |
| Net interest margin | 4.7384% | 454 |
| Noninterest income to average assets | 0.4490% | 3,106 |
| Noninterest expense to average assets | 2.8579% | 2,491 |
| Loan and lease loss provision to assets | 0.1943% | 975 |
| Net operating income to assets | 1.8693% | 481 |
| Return on assets (ROA) | 1.8693% | 478 |
| Pretax return on assets | 1.8693% | 772 |
| Return on Equity (ROE) | 16.2757% | 572 |
| Retained earnings to average equity (ytd only) | 7.5365% | 1,441 |
| Net charge-offs to loans | 0.1088% | 1,659 |
| Credit loss provision to net charge-offs | 236.8421% | 1,249 |
| Earnings coverage of net charge-offs (x) | 25.1579% | 1,784 |
| Efficiency ratio | 58.0702% | 4,149 |
| Assets per employee ($millions) | 4.5296% | 3,120 |
| Cash dividends to net income (ytd only)* | 53.6952% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,101 |
| Loan loss allowance to noncurrent loans | 60.0815% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.1595% | 419 |
| Noncurrent loans to loans | 2.6097% | 453 |
| Net loans and leases to total assets | 74.3367% | 1,880 |
| Net loans and leases to deposits | 94.9499% | 1,174 |
| Net loans and leases to core deposits | 112.0188% | 878 |
| Total domestic deposits to total assets | 78.2905% | 4,444 |
| Equity capital to assets | 10.8939% | 2,797 |
| Core capital (leverage) ratio | 11.3322% | 2,239 |
| Tier 1 risk-based capital ratio | 19.2222% | 1,473 |
| Total risk-based capital ratio | 20.4843% | 1,429 |
| Memoranda: | ||
| Average total assets | $46,327,800 | 5,008 |
| Average earning assets | $43,727,600 | 4,979 |
| Average equity | $5,320,800 | 5,001 |
| Average total loans | $34,933,400 | 4,687 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7082% | 254 |
| Cost of funding earning assets | 0.8746% | 1,018 |
| Net interest margin | 4.8336% | 355 |
| Noninterest income to average assets | 0.4400% | 3,234 |
| Noninterest expense to average assets | 2.8424% | 2,491 |
| Loan and lease loss provision to assets | 0.1965% | 893 |
| Net operating income to assets | 1.9565% | 427 |
| Return on assets (ROA) | 1.9565% | 422 |
| Pretax return on assets | 1.9565% | 710 |
| Return on Equity (ROE) | 16.7985% | 570 |
| Retained earnings to average equity (ytd only) | 9.0918% | 1,183 |
| Net charge-offs to loans | 0.0973% | 1,521 |
| Credit loss provision to net charge-offs | 268.0000% | 1,115 |
| Earnings coverage of net charge-offs (x) | 29.3621% | 1,636 |
| Efficiency ratio | 56.8996% | 4,266 |
| Assets per employee ($millions) | 4.4851% | 3,148 |
| Cash dividends to net income (ytd only)* | 45.8771% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,155 |
| Loan loss allowance to noncurrent loans | 54.0541% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 459 |
| Noncurrent loans to loans | 2.9033% | 387 |
| Net loans and leases to total assets | 73.7352% | 2,029 |
| Net loans and leases to deposits | 95.4152% | 1,222 |
| Net loans and leases to core deposits | 113.0665% | 865 |
| Total domestic deposits to total assets | 77.2783% | 4,604 |
| Equity capital to assets | 10.7447% | 2,902 |
| Core capital (leverage) ratio | 11.2189% | 2,401 |
| Tier 1 risk-based capital ratio | 22.4473% | 997 |
| Total risk-based capital ratio | 23.7136% | 970 |
| Memoranda: | ||
| Average total assets | $45,453,250 | 5,085 |
| Average earning assets | $42,837,500 | 5,052 |
| Average equity | $5,294,000 | 5,063 |
| Average total loans | $34,259,500 | 4,761 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 275 |
| Cost of funding earning assets | 0.7195% | 1,529 |
| Net interest margin | 4.8830% | 315 |
| Noninterest income to average assets | 0.3895% | 3,555 |
| Noninterest expense to average assets | 2.9439% | 2,213 |
| Loan and lease loss provision to assets | 0.2038% | 836 |
| Net operating income to assets | 1.8524% | 520 |
| Return on assets (ROA) | 1.8524% | 523 |
| Pretax return on assets | 1.8524% | 873 |
| Return on Equity (ROE) | 15.4583% | 766 |
| Retained earnings to average equity (ytd only) | 12.5858% | 438 |
| Net charge-offs to loans | 0.1199% | 1,213 |
| Credit loss provision to net charge-offs | 225.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 22.7000% | 1,736 |
| Efficiency ratio | 58.8768% | 4,106 |
| Assets per employee ($millions) | 4.5387% | 3,071 |
| Cash dividends to net income (ytd only)* | 18.5819% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,232 |
| Loan loss allowance to noncurrent loans | 46.6887% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.4196% | 368 |
| Noncurrent loans to loans | 3.3238% | 311 |
| Net loans and leases to total assets | 71.6661% | 2,330 |
| Net loans and leases to deposits | 92.5936% | 1,513 |
| Net loans and leases to core deposits | 111.0421% | 937 |
| Total domestic deposits to total assets | 77.3985% | 4,679 |
| Equity capital to assets | 10.8040% | 2,832 |
| Core capital (leverage) ratio | 12.0332% | 1,692 |
| Tier 1 risk-based capital ratio | 17.4631% | 1,953 |
| Total risk-based capital ratio | 18.7237% | 1,901 |
| Memoranda: | ||
| Average total assets | $44,159,000 | 5,163 |
| Average earning assets | $41,695,330 | 5,136 |
| Average equity | $5,291,670 | 5,115 |
| Average total loans | $33,360,000 | 4,829 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 209 |
| Cost of funding earning assets | 0.6751% | 1,565 |
| Net interest margin | 5.0322% | 221 |
| Noninterest income to average assets | 0.4845% | 2,903 |
| Noninterest expense to average assets | 3.0623% | 1,916 |
| Loan and lease loss provision to assets | 0.2229% | 705 |
| Net operating income to assets | 1.9673% | 401 |
| Return on assets (ROA) | 1.9673% | 402 |
| Pretax return on assets | 1.9673% | 622 |
| Return on Equity (ROE) | 15.4947% | 707 |
| Retained earnings to average equity (ytd only) | 15.4947% | 284 |
| Net charge-offs to loans | 0.2761% | 559 |
| Credit loss provision to net charge-offs | 104.5455% | 1,499 |
| Earnings coverage of net charge-offs (x) | 10.2727% | 1,912 |
| Efficiency ratio | 58.3026% | 4,302 |
| Assets per employee ($millions) | 3.7515% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,017 |
| Loan loss allowance to noncurrent loans | 54.8682% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.3893% | 404 |
| Noncurrent loans to loans | 3.0381% | 392 |
| Net loans and leases to total assets | 77.3330% | 1,337 |
| Net loans and leases to deposits | 92.0612% | 1,449 |
| Net loans and leases to core deposits | 102.1216% | 1,518 |
| Total domestic deposits to total assets | 84.0017% | 3,327 |
| Equity capital to assets | 12.8723% | 1,309 |
| Core capital (leverage) ratio | 12.9527% | 1,196 |
| Tier 1 risk-based capital ratio | 21.3886% | 1,140 |
| Total risk-based capital ratio | 22.6542% | 1,113 |
| Memoranda: | ||
| Average total assets | $41,275,500 | 5,263 |
| Average earning assets | $39,108,000 | 5,234 |
| Average equity | $5,240,500 | 5,183 |
| Average total loans | $31,868,000 | 4,922 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7897% | 170 |
| Cost of funding earning assets | 0.6821% | 1,126 |
| Net interest margin | 5.1076% | 191 |
| Noninterest income to average assets | 0.4839% | 3,099 |
| Noninterest expense to average assets | 3.2285% | 1,549 |
| Loan and lease loss provision to assets | 0.2268% | 862 |
| Net operating income to assets | 1.8222% | 395 |
| Return on assets (ROA) | 1.8348% | 394 |
| Pretax return on assets | 1.8348% | 725 |
| Return on Equity (ROE) | 14.3494% | 711 |
| Retained earnings to average equity (ytd only) | 6.3468% | 1,357 |
| Net charge-offs to loans | 0.0845% | 2,248 |
| Credit loss provision to net charge-offs | 346.1538% | 847 |
| Earnings coverage of net charge-offs (x) | 31.2692% | 1,505 |
| Efficiency ratio | 61.1748% | 4,086 |
| Assets per employee ($millions) | 3.7531% | 4,354 |
| Cash dividends to net income (ytd only)* | 55.7692% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 896 |
| Loan loss allowance to noncurrent loans | 132.6781% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 1,573 |
| Noncurrent loans to loans | 1.3011% | 1,341 |
| Net loans and leases to total assets | 74.4647% | 1,841 |
| Net loans and leases to deposits | 88.3188% | 1,982 |
| Net loans and leases to core deposits | 101.2349% | 1,613 |
| Total domestic deposits to total assets | 84.3135% | 3,093 |
| Equity capital to assets | 12.5206% | 1,509 |
| Core capital (leverage) ratio | 13.4432% | 991 |
| Tier 1 risk-based capital ratio | 25.0156% | 725 |
| Total risk-based capital ratio | 26.3856% | 703 |
| Memoranda: | ||
| Average total assets | $39,677,400 | 5,333 |
| Average earning assets | $37,238,800 | 5,314 |
| Average equity | $5,073,400 | 5,259 |
| Average total loans | $30,761,400 | 5,007 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 167 |
| Cost of funding earning assets | 0.6631% | 1,163 |
| Net interest margin | 5.1053% | 189 |
| Noninterest income to average assets | 0.3734% | 3,859 |
| Noninterest expense to average assets | 3.2318% | 1,491 |
| Loan and lease loss provision to assets | 0.2308% | 789 |
| Net operating income to assets | 1.6940% | 585 |
| Return on assets (ROA) | 1.7143% | 578 |
| Pretax return on assets | 1.7143% | 1,086 |
| Return on Equity (ROE) | 13.3344% | 978 |
| Retained earnings to average equity (ytd only) | 7.2348% | 1,575 |
| Net charge-offs to loans | 0.0958% | 1,832 |
| Credit loss provision to net charge-offs | 309.0909% | 961 |
| Earnings coverage of net charge-offs (x) | 25.7750% | 1,711 |
| Efficiency ratio | 62.6728% | 3,780 |
| Assets per employee ($millions) | 3.6797% | 4,477 |
| Cash dividends to net income (ytd only)* | 45.7420% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,118 |
| Loan loss allowance to noncurrent loans | 125.1799% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 1,556 |
| Noncurrent loans to loans | 1.3229% | 1,440 |
| Net loans and leases to total assets | 76.5867% | 1,486 |
| Net loans and leases to deposits | 91.7187% | 1,602 |
| Net loans and leases to core deposits | 106.4853% | 1,240 |
| Total domestic deposits to total assets | 83.5017% | 3,286 |
| Equity capital to assets | 12.6566% | 1,574 |
| Core capital (leverage) ratio | 13.3078% | 1,105 |
| Tier 1 risk-based capital ratio | 24.9132% | 763 |
| Total risk-based capital ratio | 26.1760% | 745 |
| Memoranda: | ||
| Average total assets | $39,275,750 | 5,395 |
| Average earning assets | $36,797,250 | 5,379 |
| Average equity | $5,049,500 | 5,325 |
| Average total loans | $30,631,250 | 5,060 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8209% | 159 |
| Cost of funding earning assets | 0.6119% | 1,378 |
| Net interest margin | 5.2091% | 161 |
| Noninterest income to average assets | 0.4785% | 3,160 |
| Noninterest expense to average assets | 3.3132% | 1,348 |
| Loan and lease loss provision to assets | 0.2315% | 744 |
| Net operating income to assets | 1.7955% | 455 |
| Return on assets (ROA) | 1.7955% | 469 |
| Pretax return on assets | 1.7955% | 852 |
| Return on Equity (ROE) | 13.8905% | 828 |
| Retained earnings to average equity (ytd only) | 10.9055% | 454 |
| Net charge-offs to loans | -0.0396% | 5,071 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0424% | 3,983 |
| Assets per employee ($millions) | 3.4895% | 4,734 |
| Cash dividends to net income (ytd only)* | 21.4900% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 1,024 |
| Loan loss allowance to noncurrent loans | 114.3167% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.6647% | 889 |
| Noncurrent loans to loans | 1.5011% | 1,251 |
| Net loans and leases to total assets | 78.6323% | 1,148 |
| Net loans and leases to deposits | 95.2355% | 1,151 |
| Net loans and leases to core deposits | 102.0661% | 1,508 |
| Total domestic deposits to total assets | 82.5661% | 3,700 |
| Equity capital to assets | 13.4375% | 1,174 |
| Core capital (leverage) ratio | 13.7439% | 928 |
| Tier 1 risk-based capital ratio | 26.8901% | 610 |
| Total risk-based capital ratio | 28.1596% | 600 |
| Memoranda: | ||
| Average total assets | $38,875,330 | 5,446 |
| Average earning assets | $36,283,000 | 5,427 |
| Average equity | $5,025,000 | 5,364 |
| Average total loans | $30,334,330 | 5,104 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7887% | 160 |
| Cost of funding earning assets | 0.6237% | 1,219 |
| Net interest margin | 5.1650% | 162 |
| Noninterest income to average assets | 0.3988% | 3,668 |
| Noninterest expense to average assets | 3.3537% | 1,278 |
| Loan and lease loss provision to assets | 0.2352% | 652 |
| Net operating income to assets | 1.6360% | 632 |
| Return on assets (ROA) | 1.6360% | 649 |
| Pretax return on assets | 1.6360% | 1,156 |
| Return on Equity (ROE) | 12.9071% | 1,019 |
| Retained earnings to average equity (ytd only) | 12.9071% | 383 |
| Net charge-offs to loans | 0.2123% | 832 |
| Credit loss provision to net charge-offs | 143.7500% | 1,241 |
| Earnings coverage of net charge-offs (x) | 11.4375% | 1,893 |
| Efficiency ratio | 64.1879% | 3,804 |
| Assets per employee ($millions) | 3.5240% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,336 |
| Loan loss allowance to noncurrent loans | 82.5342% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 674 |
| Noncurrent loans to loans | 1.9608% | 914 |
| Net loans and leases to total assets | 75.5908% | 1,481 |
| Net loans and leases to deposits | 87.5837% | 1,852 |
| Net loans and leases to core deposits | 93.4941% | 2,024 |
| Total domestic deposits to total assets | 86.3069% | 2,532 |
| Equity capital to assets | 12.9992% | 1,257 |
| Core capital (leverage) ratio | 12.7801% | 1,222 |
| Tier 1 risk-based capital ratio | 26.1256% | 682 |
| Total risk-based capital ratio | 27.3869% | 668 |
| Memoranda: | ||
| Average total assets | $39,120,500 | 5,510 |
| Average earning assets | $36,554,000 | 5,487 |
| Average equity | $4,958,500 | 5,426 |
| Average total loans | $30,146,500 | 5,153 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6327% | 208 |
| Cost of funding earning assets | 0.6866% | 876 |
| Net interest margin | 4.9461% | 275 |
| Noninterest income to average assets | 0.4393% | 3,624 |
| Noninterest expense to average assets | 3.3754% | 1,415 |
| Loan and lease loss provision to assets | 0.3416% | 509 |
| Net operating income to assets | 1.3486% | 1,098 |
| Return on assets (ROA) | 1.3486% | 1,156 |
| Pretax return on assets | 1.3486% | 2,109 |
| Return on Equity (ROE) | 10.7454% | 1,673 |
| Retained earnings to average equity (ytd only) | 2.2924% | 4,218 |
| Net charge-offs to loans | 0.5756% | 398 |
| Credit loss provision to net charge-offs | 77.7778% | 3,008 |
| Earnings coverage of net charge-offs (x) | 3.8480% | 3,597 |
| Efficiency ratio | 66.6329% | 3,494 |
| Assets per employee ($millions) | 3.5888% | 4,628 |
| Cash dividends to net income (ytd only)* | 78.6667% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 1,481 |
| Loan loss allowance to noncurrent loans | 90.4762% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.7352% | 878 |
| Noncurrent loans to loans | 1.7208% | 1,120 |
| Net loans and leases to total assets | 76.0797% | 1,506 |
| Net loans and leases to deposits | 87.5372% | 1,984 |
| Net loans and leases to core deposits | 93.2704% | 2,184 |
| Total domestic deposits to total assets | 86.9114% | 2,194 |
| Equity capital to assets | 12.3566% | 1,601 |
| Core capital (leverage) ratio | 12.6388% | 1,282 |
| Tier 1 risk-based capital ratio | 21.1816% | 1,175 |
| Total risk-based capital ratio | 22.4454% | 1,163 |
| Memoranda: | ||
| Average total assets | $38,929,200 | 5,562 |
| Average earning assets | $36,412,200 | 5,535 |
| Average equity | $4,885,800 | 5,487 |
| Average total loans | $29,708,800 | 5,194 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 224 |
| Cost of funding earning assets | 0.6781% | 916 |
| Net interest margin | 4.9041% | 300 |
| Noninterest income to average assets | 0.4056% | 3,884 |
| Noninterest expense to average assets | 3.3752% | 1,395 |
| Loan and lease loss provision to assets | 0.3437% | 467 |
| Net operating income to assets | 1.2854% | 1,341 |
| Return on assets (ROA) | 1.2854% | 1,448 |
| Pretax return on assets | 1.2854% | 2,493 |
| Return on Equity (ROE) | 10.2020% | 1,973 |
| Retained earnings to average equity (ytd only) | 2.1278% | 4,627 |
| Net charge-offs to loans | 0.7500% | 244 |
| Credit loss provision to net charge-offs | 60.2410% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.8554% | 3,507 |
| Efficiency ratio | 67.4451% | 3,328 |
| Assets per employee ($millions) | 3.8372% | 4,237 |
| Cash dividends to net income (ytd only)* | 79.1457% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 2,054 |
| Loan loss allowance to noncurrent loans | 74.2525% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9858% | 785 |
| Noncurrent loans to loans | 1.9289% | 1,033 |
| Net loans and leases to total assets | 80.1704% | 869 |
| Net loans and leases to deposits | 92.4980% | 1,432 |
| Net loans and leases to core deposits | 101.2240% | 1,540 |
| Total domestic deposits to total assets | 86.6726% | 2,048 |
| Equity capital to assets | 12.6238% | 1,692 |
| Core capital (leverage) ratio | 12.7075% | 1,305 |
| Tier 1 risk-based capital ratio | 20.6888% | 1,323 |
| Total risk-based capital ratio | 21.9446% | 1,295 |
| Memoranda: | ||
| Average total assets | $38,792,250 | 5,617 |
| Average earning assets | $36,377,000 | 5,590 |
| Average equity | $4,887,750 | 5,543 |
| Average total loans | $29,508,750 | 5,255 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5331% | 239 |
| Cost of funding earning assets | 0.6670% | 952 |
| Net interest margin | 4.8661% | 331 |
| Noninterest income to average assets | 0.4058% | 3,832 |
| Noninterest expense to average assets | 3.4624% | 1,240 |
| Loan and lease loss provision to assets | 0.1541% | 1,486 |
| Net operating income to assets | 1.3613% | 1,134 |
| Return on assets (ROA) | 1.3613% | 1,207 |
| Pretax return on assets | 1.3613% | 2,159 |
| Return on Equity (ROE) | 10.8112% | 1,717 |
| Retained earnings to average equity (ytd only) | 9.0977% | 822 |
| Net charge-offs to loans | 1.2646% | 129 |
| Credit loss provision to net charge-offs | 16.3934% | 2,961 |
| Earnings coverage of net charge-offs (x) | 1.6120% | 3,384 |
| Efficiency ratio | 69.5562% | 3,051 |
| Assets per employee ($millions) | 3.8658% | 4,143 |
| Cash dividends to net income (ytd only)* | 15.8491% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 3,245 |
| Loan loss allowance to noncurrent loans | 72.1443% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7047% | 1,050 |
| Noncurrent loans to loans | 1.6920% | 1,253 |
| Net loans and leases to total assets | 75.3583% | 1,584 |
| Net loans and leases to deposits | 87.2320% | 2,105 |
| Net loans and leases to core deposits | 93.8652% | 2,181 |
| Total domestic deposits to total assets | 86.3883% | 2,222 |
| Equity capital to assets | 12.9107% | 1,559 |
| Core capital (leverage) ratio | 12.8383% | 1,219 |
| Tier 1 risk-based capital ratio | 20.8101% | 1,293 |
| Total risk-based capital ratio | 22.0619% | 1,275 |
| Memoranda: | ||
| Average total assets | $38,932,330 | 5,675 |
| Average earning assets | $36,579,670 | 5,651 |
| Average equity | $4,902,330 | 5,597 |
| Average total loans | $28,941,670 | 5,336 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 280 |
| Cost of funding earning assets | 0.6669% | 962 |
| Net interest margin | 4.7776% | 373 |
| Noninterest income to average assets | 0.5529% | 2,789 |
| Noninterest expense to average assets | 3.1841% | 1,875 |
| Loan and lease loss provision to assets | 0.1536% | 1,374 |
| Net operating income to assets | 1.6893% | 589 |
| Return on assets (ROA) | 1.6893% | 627 |
| Pretax return on assets | 1.6893% | 1,095 |
| Return on Equity (ROE) | 13.5858% | 912 |
| Retained earnings to average equity (ytd only) | 13.5858% | 346 |
| Net charge-offs to loans | 0.4186% | 538 |
| Credit loss provision to net charge-offs | 50.0000% | 2,049 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,274 |
| Efficiency ratio | 63.3401% | 4,247 |
| Assets per employee ($millions) | 3.5786% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,312 |
| Loan loss allowance to noncurrent loans | 68.6382% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.7258% | 512 |
| Noncurrent loans to loans | 2.5047% | 752 |
| Net loans and leases to total assets | 72.4679% | 1,954 |
| Net loans and leases to deposits | 83.4757% | 2,371 |
| Net loans and leases to core deposits | 91.1086% | 2,266 |
| Total domestic deposits to total assets | 86.8132% | 2,290 |
| Equity capital to assets | 12.5543% | 1,651 |
| Core capital (leverage) ratio | 12.5367% | 1,325 |
| Tier 1 risk-based capital ratio | 21.0314% | 1,316 |
| Total risk-based capital ratio | 22.2898% | 1,284 |
| Memoranda: | ||
| Average total assets | $39,069,500 | 5,729 |
| Average earning assets | $36,587,500 | 5,712 |
| Average equity | $4,858,000 | 5,648 |
| Average total loans | $28,666,500 | 5,389 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 246 |
| Cost of funding earning assets | 0.7061% | 791 |
| Net interest margin | 4.8612% | 320 |
| Noninterest income to average assets | 0.3024% | 4,716 |
| Noninterest expense to average assets | 3.6941% | 983 |
| Loan and lease loss provision to assets | 0.1350% | 1,770 |
| Net operating income to assets | 0.9721% | 2,510 |
| Return on assets (ROA) | 0.9721% | 2,585 |
| Pretax return on assets | 0.9721% | 3,575 |
| Return on Equity (ROE) | 7.7296% | 3,117 |
| Retained earnings to average equity (ytd only) | 3.0919% | 3,854 |
| Net charge-offs to loans | 0.2270% | 1,308 |
| Credit loss provision to net charge-offs | 84.7458% | 2,865 |
| Earnings coverage of net charge-offs (x) | 6.9492% | 3,147 |
| Efficiency ratio | 76.9404% | 2,124 |
| Assets per employee ($millions) | 3.2312% | 5,260 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 1,106 |
| Loan loss allowance to noncurrent loans | 71.7877% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.7647% | 517 |
| Noncurrent loans to loans | 2.5294% | 721 |
| Net loans and leases to total assets | 71.6795% | 2,109 |
| Net loans and leases to deposits | 82.3667% | 2,539 |
| Net loans and leases to core deposits | 89.9741% | 2,407 |
| Total domestic deposits to total assets | 87.0248% | 2,117 |
| Equity capital to assets | 12.3124% | 1,729 |
| Core capital (leverage) ratio | 12.6197% | 1,299 |
| Tier 1 risk-based capital ratio | 20.8239% | 1,329 |
| Total risk-based capital ratio | 22.0824% | 1,303 |
| Memoranda: | ||
| Average total assets | $37,031,600 | 5,825 |
| Average earning assets | $34,271,600 | 5,804 |
| Average equity | $4,657,400 | 5,727 |
| Average total loans | $25,992,400 | 5,517 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5152% | 257 |
| Cost of funding earning assets | 0.7052% | 816 |
| Net interest margin | 4.8101% | 370 |
| Noninterest income to average assets | 0.4518% | 3,700 |
| Noninterest expense to average assets | 3.7271% | 938 |
| Loan and lease loss provision to assets | 0.1275% | 1,773 |
| Net operating income to assets | 1.0456% | 2,239 |
| Return on assets (ROA) | 1.0456% | 2,336 |
| Pretax return on assets | 1.0456% | 3,430 |
| Return on Equity (ROE) | 8.2679% | 2,937 |
| Retained earnings to average equity (ytd only) | 5.2430% | 2,754 |
| Net charge-offs to loans | 0.1469% | 1,662 |
| Credit loss provision to net charge-offs | 125.0000% | 1,923 |
| Earnings coverage of net charge-offs (x) | 11.5007% | 2,478 |
| Efficiency ratio | 76.0595% | 2,239 |
| Assets per employee ($millions) | 3.7061% | 4,433 |
| Cash dividends to net income (ytd only)* | 36.5860% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 1,079 |
| Loan loss allowance to noncurrent loans | 58.6283% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 4.0474% | 290 |
| Noncurrent loans to loans | 3.2359% | 515 |
| Net loans and leases to total assets | 73.9511% | 1,737 |
| Net loans and leases to deposits | 85.6897% | 2,178 |
| Net loans and leases to core deposits | 94.1271% | 2,064 |
| Total domestic deposits to total assets | 86.3010% | 2,388 |
| Equity capital to assets | 12.9867% | 1,451 |
| Core capital (leverage) ratio | 13.0035% | 1,202 |
| Tier 1 risk-based capital ratio | 19.4810% | 1,665 |
| Total risk-based capital ratio | 20.7421% | 1,635 |
| Memoranda: | ||
| Average total assets | $36,596,000 | 5,914 |
| Average earning assets | $33,844,750 | 5,893 |
| Average equity | $4,628,250 | 5,816 |
| Average total loans | $25,413,750 | 5,597 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 338 |
| Cost of funding earning assets | 0.7067% | 811 |
| Net interest margin | 4.6378% | 492 |
| Noninterest income to average assets | 0.4610% | 3,622 |
| Noninterest expense to average assets | 3.7540% | 924 |
| Loan and lease loss provision to assets | 0.1372% | 1,597 |
| Net operating income to assets | 0.8562% | 3,103 |
| Return on assets (ROA) | 0.8562% | 3,207 |
| Pretax return on assets | 0.8562% | 4,103 |
| Return on Equity (ROE) | 6.8321% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.2336% | 4,600 |
| Net charge-offs to loans | 0.2116% | 1,203 |
| Credit loss provision to net charge-offs | 96.1538% | 2,128 |
| Earnings coverage of net charge-offs (x) | 6.9615% | 2,718 |
| Efficiency ratio | 79.0751% | 1,904 |
| Assets per employee ($millions) | 3.2985% | 5,170 |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 1,141 |
| Loan loss allowance to noncurrent loans | 72.2607% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 3.6298% | 382 |
| Noncurrent loans to loans | 2.6432% | 830 |
| Net loans and leases to total assets | 73.7453% | 1,703 |
| Net loans and leases to deposits | 85.4119% | 2,119 |
| Net loans and leases to core deposits | 93.4318% | 2,013 |
| Total domestic deposits to total assets | 86.3407% | 2,510 |
| Equity capital to assets | 12.9069% | 1,445 |
| Core capital (leverage) ratio | 12.7246% | 1,285 |
| Tier 1 risk-based capital ratio | 19.6900% | 1,625 |
| Total risk-based capital ratio | 20.9501% | 1,583 |
| Memoranda: | ||
| Average total assets | $36,441,000 | 5,983 |
| Average earning assets | $33,680,000 | 5,962 |
| Average equity | $4,566,670 | 5,885 |
| Average total loans | $24,572,670 | 5,679 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 810 |
| Cost of funding earning assets | 0.7135% | 802 |
| Net interest margin | 4.1148% | 1,241 |
| Noninterest income to average assets | 0.4053% | 3,965 |
| Noninterest expense to average assets | 3.7788% | 904 |
| Loan and lease loss provision to assets | 0.1643% | 1,219 |
| Net operating income to assets | 0.2519% | 5,561 |
| Return on assets (ROA) | 0.2519% | 5,650 |
| Pretax return on assets | 0.2519% | 5,749 |
| Return on Equity (ROE) | 2.0406% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.0406% | 4,657 |
| Net charge-offs to loans | 0.4651% | 531 |
| Credit loss provision to net charge-offs | 55.5556% | 2,047 |
| Earnings coverage of net charge-offs (x) | 1.4074% | 2,923 |
| Efficiency ratio | 90.0783% | 843 |
| Assets per employee ($millions) | 3.0812% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1296% | 886 |
| Loan loss allowance to noncurrent loans | 59.7190% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.9649% | 376 |
| Noncurrent loans to loans | 3.5661% | 527 |
| Net loans and leases to total assets | 63.3905% | 3,178 |
| Net loans and leases to deposits | 73.1363% | 3,409 |
| Net loans and leases to core deposits | 77.7096% | 3,412 |
| Total domestic deposits to total assets | 86.6744% | 2,563 |
| Equity capital to assets | 12.5304% | 1,675 |
| Core capital (leverage) ratio | 12.8053% | 1,232 |
| Tier 1 risk-based capital ratio | 22.0083% | 1,243 |
| Total risk-based capital ratio | 23.2699% | 1,221 |
| Memoranda: | ||
| Average total assets | $36,520,000 | 6,041 |
| Average earning assets | $33,635,000 | 6,023 |
| Average equity | $4,508,500 | 5,947 |
| Average total loans | $23,220,000 | 5,784 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 377 |
| Cost of funding earning assets | 0.8160% | 597 |
| Net interest margin | 4.5841% | 633 |
| Noninterest income to average assets | 0.6055% | 2,825 |
| Noninterest expense to average assets | 3.7300% | 1,098 |
| Loan and lease loss provision to assets | 0.2916% | 709 |
| Net operating income to assets | 0.8277% | 3,235 |
| Return on assets (ROA) | 0.8054% | 3,439 |
| Pretax return on assets | 0.8054% | 4,238 |
| Return on Equity (ROE) | 6.8509% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.7879% | 2,074 |
| Net charge-offs to loans | 0.2526% | 1,695 |
| Credit loss provision to net charge-offs | 175.0000% | 1,386 |
| Earnings coverage of net charge-offs (x) | 6.7167% | 3,146 |
| Efficiency ratio | 76.9187% | 2,364 |
| Assets per employee ($millions) | 3.0055% | 5,690 |
| Cash dividends to net income (ytd only)* | 15.5172% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3208% | 702 |
| Loan loss allowance to noncurrent loans | 60.6272% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 4.0842% | 405 |
| Noncurrent loans to loans | 3.8280% | 505 |
| Net loans and leases to total assets | 60.9161% | 3,652 |
| Net loans and leases to deposits | 70.5093% | 3,841 |
| Net loans and leases to core deposits | 75.0316% | 3,819 |
| Total domestic deposits to total assets | 86.3944% | 2,622 |
| Equity capital to assets | 12.1555% | 1,898 |
| Core capital (leverage) ratio | 12.0651% | 1,582 |
| Tier 1 risk-based capital ratio | 22.8052% | 1,108 |
| Total risk-based capital ratio | 24.0727% | 1,086 |
| Memoranda: | ||
| Average total assets | $36,005,000 | 6,129 |
| Average earning assets | $33,332,800 | 6,109 |
| Average equity | $4,233,000 | 6,042 |
| Average total loans | $23,752,200 | 5,831 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4795% | 326 |
| Cost of funding earning assets | 0.8233% | 616 |
| Net interest margin | 4.6561% | 554 |
| Noninterest income to average assets | 0.5483% | 3,213 |
| Noninterest expense to average assets | 3.6232% | 1,256 |
| Loan and lease loss provision to assets | 0.3149% | 598 |
| Net operating income to assets | 0.9262% | 2,793 |
| Return on assets (ROA) | 0.8965% | 3,020 |
| Pretax return on assets | 0.8965% | 4,004 |
| Return on Equity (ROE) | 7.6911% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.2609% | 2,243 |
| Net charge-offs to loans | 0.1662% | 2,132 |
| Credit loss provision to net charge-offs | 283.3333% | 948 |
| Earnings coverage of net charge-offs (x) | 11.1665% | 2,458 |
| Efficiency ratio | 74.4859% | 2,740 |
| Assets per employee ($millions) | 2.9636% | 5,772 |
| Cash dividends to net income (ytd only)* | 18.5954% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3355% | 798 |
| Loan loss allowance to noncurrent loans | 71.0280% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 3.6780% | 565 |
| Noncurrent loans to loans | 3.2881% | 762 |
| Net loans and leases to total assets | 62.5566% | 3,399 |
| Net loans and leases to deposits | 72.4398% | 3,641 |
| Net loans and leases to core deposits | 78.0241% | 3,532 |
| Total domestic deposits to total assets | 86.3566% | 2,668 |
| Equity capital to assets | 12.1896% | 1,916 |
| Core capital (leverage) ratio | 12.0724% | 1,659 |
| Tier 1 risk-based capital ratio | 22.6554% | 1,166 |
| Total risk-based capital ratio | 23.9236% | 1,145 |
| Memoranda: | ||
| Average total assets | $35,989,750 | 6,201 |
| Average earning assets | $33,360,000 | 6,180 |
| Average equity | $4,195,250 | 6,112 |
| Average total loans | $24,067,250 | 5,882 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4023% | 368 |
| Cost of funding earning assets | 0.8366% | 591 |
| Net interest margin | 4.5657% | 618 |
| Noninterest income to average assets | 0.5812% | 2,922 |
| Noninterest expense to average assets | 3.4872% | 1,503 |
| Loan and lease loss provision to assets | 0.3044% | 642 |
| Net operating income to assets | 1.0185% | 2,250 |
| Return on assets (ROA) | 0.9742% | 2,521 |
| Pretax return on assets | 0.9742% | 3,594 |
| Return on Equity (ROE) | 8.4846% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.3153% | 2,147 |
| Net charge-offs to loans | 0.2531% | 1,543 |
| Credit loss provision to net charge-offs | 177.4194% | 1,289 |
| Earnings coverage of net charge-offs (x) | 7.7097% | 2,589 |
| Efficiency ratio | 72.4971% | 3,245 |
| Assets per employee ($millions) | 3.2690% | 5,308 |
| Cash dividends to net income (ytd only)* | 25.5682% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0749% | 1,228 |
| Loan loss allowance to noncurrent loans | 64.6452% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 4.1380% | 493 |
| Noncurrent loans to loans | 3.2096% | 880 |
| Net loans and leases to total assets | 65.7554% | 2,792 |
| Net loans and leases to deposits | 75.8533% | 3,074 |
| Net loans and leases to core deposits | 81.8676% | 2,988 |
| Total domestic deposits to total assets | 86.6876% | 2,642 |
| Equity capital to assets | 11.7439% | 2,208 |
| Core capital (leverage) ratio | 11.6574% | 1,879 |
| Tier 1 risk-based capital ratio | 21.0082% | 1,446 |
| Total risk-based capital ratio | 22.2746% | 1,418 |
| Memoranda: | ||
| Average total assets | $36,132,000 | 6,259 |
| Average earning assets | $33,467,000 | 6,239 |
| Average equity | $4,148,670 | 6,164 |
| Average total loans | $24,496,670 | 5,910 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 401 |
| Cost of funding earning assets | 0.8542% | 571 |
| Net interest margin | 4.4611% | 711 |
| Noninterest income to average assets | 0.6074% | 2,695 |
| Noninterest expense to average assets | 4.0200% | 740 |
| Loan and lease loss provision to assets | 0.2761% | 747 |
| Net operating income to assets | 0.4639% | 4,883 |
| Return on assets (ROA) | 0.4639% | 4,952 |
| Pretax return on assets | 0.4639% | 5,275 |
| Return on Equity (ROE) | 4.0861% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.0861% | 3,665 |
| Net charge-offs to loans | 0.5674% | 653 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 1.9143% | 2,991 |
| Efficiency ratio | 84.4548% | 1,621 |
| Assets per employee ($millions) | 3.2916% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 1,733 |
| Loan loss allowance to noncurrent loans | 36.4844% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 4.5294% | 481 |
| Noncurrent loans to loans | 5.2281% | 407 |
| Net loans and leases to total assets | 66.3279% | 2,507 |
| Net loans and leases to deposits | 76.2461% | 2,791 |
| Net loans and leases to core deposits | 82.2240% | 2,715 |
| Total domestic deposits to total assets | 86.9918% | 2,815 |
| Equity capital to assets | 11.4201% | 2,315 |
| Core capital (leverage) ratio | 11.3764% | 2,070 |
| Tier 1 risk-based capital ratio | 20.5488% | 1,571 |
| Total risk-based capital ratio | 21.8142% | 1,538 |
| Memoranda: | ||
| Average total assets | $36,218,500 | 6,323 |
| Average earning assets | $33,714,000 | 6,292 |
| Average equity | $4,111,500 | 6,220 |
| Average total loans | $24,672,000 | 5,952 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 406 |
| Cost of funding earning assets | 0.9394% | 609 |
| Net interest margin | 4.4969% | 742 |
| Noninterest income to average assets | 0.6336% | 2,895 |
| Noninterest expense to average assets | 3.4461% | 1,775 |
| Loan and lease loss provision to assets | 0.1584% | 2,303 |
| Net operating income to assets | 1.2728% | 1,323 |
| Return on assets (ROA) | 1.2061% | 1,614 |
| Pretax return on assets | 1.2061% | 2,550 |
| Return on Equity (ROE) | 10.8592% | 1,812 |
| Retained earnings to average equity (ytd only) | 3.8032% | 3,497 |
| Net charge-offs to loans | 0.6341% | 1,028 |
| Credit loss provision to net charge-offs | 35.8491% | 4,136 |
| Earnings coverage of net charge-offs (x) | 3.2390% | 3,918 |
| Efficiency ratio | 70.6553% | 3,733 |
| Assets per employee ($millions) | 3.0191% | 5,801 |
| Cash dividends to net income (ytd only)* | 64.9770% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 1,743 |
| Loan loss allowance to noncurrent loans | 43.1284% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 4.1293% | 634 |
| Noncurrent loans to loans | 4.4487% | 601 |
| Net loans and leases to total assets | 67.3052% | 2,474 |
| Net loans and leases to deposits | 77.2770% | 2,818 |
| Net loans and leases to core deposits | 85.2170% | 2,544 |
| Total domestic deposits to total assets | 87.0960% | 2,670 |
| Equity capital to assets | 11.2838% | 2,358 |
| Core capital (leverage) ratio | 11.2457% | 2,160 |
| Tier 1 risk-based capital ratio | 19.9375% | 1,669 |
| Total risk-based capital ratio | 21.2016% | 1,639 |
| Memoranda: | ||
| Average total assets | $35,983,000 | 6,393 |
| Average earning assets | $33,956,400 | 6,350 |
| Average equity | $3,996,600 | 6,326 |
| Average total loans | $25,076,600 | 5,983 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 526 |
| Cost of funding earning assets | 0.9332% | 691 |
| Net interest margin | 4.3721% | 947 |
| Noninterest income to average assets | 0.5939% | 3,185 |
| Noninterest expense to average assets | 3.3702% | 1,891 |
| Loan and lease loss provision to assets | 0.1299% | 2,663 |
| Net operating income to assets | 1.2323% | 1,527 |
| Return on assets (ROA) | 1.1432% | 1,911 |
| Pretax return on assets | 1.1432% | 2,930 |
| Return on Equity (ROE) | 10.3343% | 2,055 |
| Retained earnings to average equity (ytd only) | 1.8788% | 5,193 |
| Net charge-offs to loans | 0.4457% | 1,441 |
| Credit loss provision to net charge-offs | 41.6667% | 3,675 |
| Earnings coverage of net charge-offs (x) | 4.3689% | 3,458 |
| Efficiency ratio | 71.2157% | 3,569 |
| Assets per employee ($millions) | 3.2159% | 5,465 |
| Cash dividends to net income (ytd only)* | 81.8171% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1231% | 1,462 |
| Loan loss allowance to noncurrent loans | 34.4156% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 4.8594% | 587 |
| Noncurrent loans to loans | 6.1689% | 395 |
| Net loans and leases to total assets | 69.0714% | 2,131 |
| Net loans and leases to deposits | 79.3776% | 2,496 |
| Net loans and leases to core deposits | 87.6619% | 2,226 |
| Total domestic deposits to total assets | 87.0163% | 2,686 |
| Equity capital to assets | 11.3159% | 2,456 |
| Core capital (leverage) ratio | 11.0327% | 2,450 |
| Tier 1 risk-based capital ratio | 19.4718% | 1,867 |
| Total risk-based capital ratio | 20.7361% | 1,832 |
| Memoranda: | ||
| Average total assets | $35,921,500 | 6,465 |
| Average earning assets | $34,003,000 | 6,419 |
| Average equity | $3,973,750 | 6,412 |
| Average total loans | $25,130,500 | 6,030 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 666 |
| Cost of funding earning assets | 0.9219% | 811 |
| Net interest margin | 4.2511% | 1,138 |
| Noninterest income to average assets | 0.4986% | 3,851 |
| Noninterest expense to average assets | 3.3736% | 1,881 |
| Loan and lease loss provision to assets | 0.0665% | 3,703 |
| Net operating income to assets | 1.0691% | 2,037 |
| Return on assets (ROA) | 1.0691% | 2,156 |
| Pretax return on assets | 1.0691% | 3,226 |
| Return on Equity (ROE) | 9.7376% | 2,301 |
| Retained earnings to average equity (ytd only) | -2.9768% | 6,308 |
| Net charge-offs to loans | 0.4288% | 1,509 |
| Credit loss provision to net charge-offs | 22.2222% | 3,693 |
| Earnings coverage of net charge-offs (x) | 3.7963% | 3,301 |
| Efficiency ratio | 74.8157% | 2,970 |
| Assets per employee ($millions) | 3.0226% | 5,812 |
| Cash dividends to net income (ytd only)* | 130.5699% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 1,463 |
| Loan loss allowance to noncurrent loans | 39.3695% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 4.2541% | 793 |
| Noncurrent loans to loans | 5.5382% | 550 |
| Net loans and leases to total assets | 66.4222% | 2,517 |
| Net loans and leases to deposits | 75.7753% | 2,910 |
| Net loans and leases to core deposits | 83.6702% | 2,603 |
| Total domestic deposits to total assets | 87.6568% | 2,465 |
| Equity capital to assets | 10.7414% | 3,010 |
| Core capital (leverage) ratio | 10.6904% | 2,677 |
| Tier 1 risk-based capital ratio | 18.5821% | 2,115 |
| Total risk-based capital ratio | 19.8484% | 2,071 |
| Memoranda: | ||
| Average total assets | $36,103,670 | 6,508 |
| Average earning assets | $34,061,670 | 6,461 |
| Average equity | $3,964,000 | 6,458 |
| Average total loans | $25,186,000 | 6,059 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 477 |
| Cost of funding earning assets | 0.8949% | 1,007 |
| Net interest margin | 4.4391% | 753 |
| Noninterest income to average assets | 0.3665% | 4,744 |
| Noninterest expense to average assets | 3.2537% | 2,195 |
| Loan and lease loss provision to assets | 0.0222% | 4,187 |
| Net operating income to assets | 1.2771% | 1,339 |
| Return on assets (ROA) | 1.2771% | 1,437 |
| Pretax return on assets | 1.2771% | 2,307 |
| Return on Equity (ROE) | 11.5058% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.5058% | 779 |
| Net charge-offs to loans | 0.5498% | 1,101 |
| Credit loss provision to net charge-offs | 5.7143% | 3,187 |
| Earnings coverage of net charge-offs (x) | 3.3429% | 2,782 |
| Efficiency ratio | 71.4634% | 3,723 |
| Assets per employee ($millions) | 3.3000% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 1,601 |
| Loan loss allowance to noncurrent loans | 40.8072% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 3.6860% | 1,129 |
| Noncurrent loans to loans | 5.3655% | 688 |
| Net loans and leases to total assets | 67.1928% | 2,160 |
| Net loans and leases to deposits | 76.9967% | 2,490 |
| Net loans and leases to core deposits | 85.0513% | 2,211 |
| Total domestic deposits to total assets | 87.2672% | 2,778 |
| Equity capital to assets | 11.1763% | 2,768 |
| Core capital (leverage) ratio | 11.2472% | 2,057 |
| Tier 1 risk-based capital ratio | 19.4841% | 1,911 |
| Total risk-based capital ratio | 20.7497% | 1,877 |
| Memoranda: | ||
| Average total assets | $36,020,000 | 6,569 |
| Average earning assets | $33,971,000 | 6,526 |
| Average equity | $3,998,000 | 6,518 |
| Average total loans | $25,464,500 | 6,097 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3438% | 155 |
| Cost of funding earning assets | 1.0827% | 971 |
| Net interest margin | 5.2611% | 246 |
| Noninterest income to average assets | 0.6667% | 2,899 |
| Noninterest expense to average assets | 3.4358% | 1,976 |
| Loan and lease loss provision to assets | 0.1316% | 3,976 |
| Net operating income to assets | 2.0439% | 333 |
| Return on assets (ROA) | 2.0439% | 361 |
| Pretax return on assets | 2.0439% | 556 |
| Return on Equity (ROE) | 18.0275% | 443 |
| Retained earnings to average equity (ytd only) | 3.9202% | 3,444 |
| Net charge-offs to loans | 0.0487% | 5,232 |
| Credit loss provision to net charge-offs | 346.1538% | 708 |
| Earnings coverage of net charge-offs (x) | 57.2308% | 617 |
| Efficiency ratio | 61.2298% | 5,352 |
| Assets per employee ($millions) | 3.2491% | 5,516 |
| Cash dividends to net income (ytd only)* | 78.2546% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 1,508 |
| Loan loss allowance to noncurrent loans | 54.8815% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.9519% | 1,606 |
| Noncurrent loans to loans | 4.0589% | 1,148 |
| Net loans and leases to total assets | 71.1052% | 1,631 |
| Net loans and leases to deposits | 81.3737% | 2,094 |
| Net loans and leases to core deposits | 89.9926% | 1,835 |
| Total domestic deposits to total assets | 87.3811% | 2,589 |
| Equity capital to assets | 11.0213% | 2,924 |
| Core capital (leverage) ratio | 11.1684% | 2,106 |
| Tier 1 risk-based capital ratio | 18.4074% | 2,133 |
| Total risk-based capital ratio | 19.6738% | 2,093 |
| Memoranda: | ||
| Average total assets | $34,199,200 | 6,652 |
| Average earning assets | $32,141,800 | 6,602 |
| Average equity | $3,877,400 | 6,596 |
| Average total loans | $26,703,800 | 6,100 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3576% | 165 |
| Cost of funding earning assets | 1.0945% | 1,080 |
| Net interest margin | 5.2631% | 266 |
| Noninterest income to average assets | 0.6269% | 3,123 |
| Noninterest expense to average assets | 3.5211% | 1,707 |
| Loan and lease loss provision to assets | 0.1735% | 3,396 |
| Net operating income to assets | 1.8808% | 475 |
| Return on assets (ROA) | 1.8808% | 556 |
| Pretax return on assets | 1.8808% | 908 |
| Return on Equity (ROE) | 16.4676% | 672 |
| Retained earnings to average equity (ytd only) | -2.3822% | 6,434 |
| Net charge-offs to loans | 0.0149% | 5,483 |
| Credit loss provision to net charge-offs | 1,466.6667% | 189 |
| Earnings coverage of net charge-offs (x) | 173.6625% | 258 |
| Efficiency ratio | 63.1542% | 4,950 |
| Assets per employee ($millions) | 3.0934% | 5,867 |
| Cash dividends to net income (ytd only)* | 114.4659% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 1,715 |
| Loan loss allowance to noncurrent loans | 58.3913% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.1534% | 1,640 |
| Noncurrent loans to loans | 3.7594% | 1,415 |
| Net loans and leases to total assets | 76.9918% | 848 |
| Net loans and leases to deposits | 88.1138% | 1,333 |
| Net loans and leases to core deposits | 98.7300% | 1,210 |
| Total domestic deposits to total assets | 87.3777% | 2,445 |
| Equity capital to assets | 10.9237% | 3,353 |
| Core capital (leverage) ratio | 10.8576% | 2,539 |
| Tier 1 risk-based capital ratio | 17.1070% | 2,688 |
| Total risk-based capital ratio | 18.3726% | 2,630 |
| Memoranda: | ||
| Average total assets | $33,814,000 | 6,741 |
| Average earning assets | $31,793,000 | 6,696 |
| Average equity | $3,862,000 | 6,680 |
| Average total loans | $26,881,750 | 6,173 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2981% | 187 |
| Cost of funding earning assets | 1.1107% | 1,171 |
| Net interest margin | 5.1874% | 297 |
| Noninterest income to average assets | 0.6224% | 3,116 |
| Noninterest expense to average assets | 3.5800% | 1,620 |
| Loan and lease loss provision to assets | 0.2489% | 2,582 |
| Net operating income to assets | 1.6655% | 726 |
| Return on assets (ROA) | 1.6655% | 812 |
| Pretax return on assets | 1.6655% | 1,354 |
| Return on Equity (ROE) | 14.3722% | 1,035 |
| Retained earnings to average equity (ytd only) | 13.6050% | 377 |
| Net charge-offs to loans | 0.0223% | 5,088 |
| Credit loss provision to net charge-offs | 1,400.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 399 |
| Efficiency ratio | 65.1564% | 4,695 |
| Assets per employee ($millions) | 2.8612% | 6,297 |
| Cash dividends to net income (ytd only)* | 5.3381% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2023% | 1,761 |
| Loan loss allowance to noncurrent loans | 56.0766% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.2359% | 1,681 |
| Noncurrent loans to loans | 3.9272% | 1,415 |
| Net loans and leases to total assets | 75.7937% | 993 |
| Net loans and leases to deposits | 87.5930% | 1,408 |
| Net loans and leases to core deposits | 97.5667% | 1,303 |
| Total domestic deposits to total assets | 86.5294% | 3,053 |
| Equity capital to assets | 11.7726% | 2,345 |
| Core capital (leverage) ratio | 11.8729% | 1,668 |
| Tier 1 risk-based capital ratio | 18.5933% | 2,106 |
| Total risk-based capital ratio | 19.8629% | 2,053 |
| Memoranda: | ||
| Average total assets | $33,743,000 | 6,791 |
| Average earning assets | $31,692,330 | 6,748 |
| Average equity | $3,910,330 | 6,710 |
| Average total loans | $26,913,670 | 6,212 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4652% | 168 |
| Cost of funding earning assets | 1.1199% | 1,301 |
| Net interest margin | 5.3452% | 230 |
| Noninterest income to average assets | 0.5860% | 3,322 |
| Noninterest expense to average assets | 3.6953% | 1,381 |
| Loan and lease loss provision to assets | 0.2511% | 2,448 |
| Net operating income to assets | 1.6623% | 773 |
| Return on assets (ROA) | 1.6623% | 860 |
| Pretax return on assets | 1.6623% | 1,396 |
| Return on Equity (ROE) | 14.4622% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.4218% | 627 |
| Net charge-offs to loans | 0.0296% | 4,272 |
| Credit loss provision to net charge-offs | 1,050.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 419 |
| Efficiency ratio | 65.8849% | 4,574 |
| Assets per employee ($millions) | 3.0425% | 6,075 |
| Cash dividends to net income (ytd only)* | 7.1942% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1124% | 2,074 |
| Loan loss allowance to noncurrent loans | 62.7494% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.8924% | 2,009 |
| Noncurrent loans to loans | 3.3664% | 1,886 |
| Net loans and leases to total assets | 78.3697% | 553 |
| Net loans and leases to deposits | 90.5194% | 918 |
| Net loans and leases to core deposits | 98.5422% | 1,089 |
| Total domestic deposits to total assets | 86.5778% | 3,188 |
| Equity capital to assets | 11.6802% | 2,279 |
| Core capital (leverage) ratio | 11.5994% | 1,834 |
| Tier 1 risk-based capital ratio | 17.8918% | 2,337 |
| Total risk-based capital ratio | 19.1596% | 2,300 |
| Memoranda: | ||
| Average total assets | $33,447,500 | 6,850 |
| Average earning assets | $31,430,000 | 6,809 |
| Average equity | $3,844,500 | 6,767 |
| Average total loans | $27,066,000 | 6,246 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6055% | 158 |
| Cost of funding earning assets | 1.2826% | 1,566 |
| Net interest margin | 5.3229% | 232 |
| Noninterest income to average assets | 0.6659% | 2,803 |
| Noninterest expense to average assets | 3.8276% | 1,294 |
| Loan and lease loss provision to assets | 0.2970% | 3,288 |
| Net operating income to assets | 1.5209% | 788 |
| Return on assets (ROA) | 1.5209% | 857 |
| Pretax return on assets | 1.5209% | 1,412 |
| Return on Equity (ROE) | 14.2881% | 864 |
| Retained earnings to average equity (ytd only) | 10.0891% | 544 |
| Net charge-offs to loans | 0.3672% | 3,567 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 6.1212% | 2,590 |
| Efficiency ratio | 67.8002% | 4,399 |
| Assets per employee ($millions) | 2.7857% | 6,476 |
| Cash dividends to net income (ytd only)* | 29.3886% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 2,271 |
| Loan loss allowance to noncurrent loans | 74.1192% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 2.4052% | 2,529 |
| Noncurrent loans to loans | 2.6995% | 2,406 |
| Net loans and leases to total assets | 80.1454% | 478 |
| Net loans and leases to deposits | 92.2428% | 948 |
| Net loans and leases to core deposits | 99.9925% | 1,179 |
| Total domestic deposits to total assets | 86.8852% | 2,825 |
| Equity capital to assets | 11.3079% | 2,683 |
| Core capital (leverage) ratio | 11.2440% | 2,088 |
| Tier 1 risk-based capital ratio | 16.6300% | 2,767 |
| Total risk-based capital ratio | 17.8927% | 2,721 |
| Memoranda: | ||
| Average total assets | $33,336,400 | 6,882 |
| Average earning assets | $31,186,200 | 6,832 |
| Average equity | $3,548,400 | 6,865 |
| Average total loans | $26,960,400 | 6,300 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5801% | 175 |
| Cost of funding earning assets | 1.3066% | 1,663 |
| Net interest margin | 5.2735% | 254 |
| Noninterest income to average assets | 0.6363% | 2,959 |
| Noninterest expense to average assets | 3.7542% | 1,390 |
| Loan and lease loss provision to assets | 0.3122% | 3,027 |
| Net operating income to assets | 1.4968% | 942 |
| Return on assets (ROA) | 1.4968% | 1,022 |
| Pretax return on assets | 1.4968% | 1,662 |
| Return on Equity (ROE) | 14.2859% | 981 |
| Retained earnings to average equity (ytd only) | 8.7856% | 1,219 |
| Net charge-offs to loans | 0.4318% | 2,991 |
| Credit loss provision to net charge-offs | 89.6552% | 3,780 |
| Earnings coverage of net charge-offs (x) | 5.1953% | 2,853 |
| Efficiency ratio | 67.4820% | 4,422 |
| Assets per employee ($millions) | 3.0184% | 6,069 |
| Cash dividends to net income (ytd only)* | 38.5040% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9806% | 2,390 |
| Loan loss allowance to noncurrent loans | 101.1278% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 3,393 |
| Noncurrent loans to loans | 1.9585% | 3,418 |
| Net loans and leases to total assets | 80.1910% | 499 |
| Net loans and leases to deposits | 91.9340% | 1,017 |
| Net loans and leases to core deposits | 100.0526% | 1,241 |
| Total domestic deposits to total assets | 87.2267% | 2,509 |
| Equity capital to assets | 10.9993% | 3,148 |
| Core capital (leverage) ratio | 10.9145% | 2,462 |
| Tier 1 risk-based capital ratio | 16.5129% | 2,858 |
| Total risk-based capital ratio | 17.7790% | 2,811 |
| Memoranda: | ||
| Average total assets | $33,313,500 | 6,947 |
| Average earning assets | $31,123,500 | 6,901 |
| Average equity | $3,490,500 | 6,936 |
| Average total loans | $26,866,000 | 6,365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5205% | 197 |
| Cost of funding earning assets | 1.3285% | 1,771 |
| Net interest margin | 5.1920% | 281 |
| Noninterest income to average assets | 0.6057% | 3,095 |
| Noninterest expense to average assets | 3.7900% | 1,360 |
| Loan and lease loss provision to assets | 0.3418% | 2,735 |
| Net operating income to assets | 1.3253% | 1,257 |
| Return on assets (ROA) | 1.3253% | 1,335 |
| Pretax return on assets | 1.3253% | 2,056 |
| Return on Equity (ROE) | 12.8613% | 1,231 |
| Retained earnings to average equity (ytd only) | 4.4811% | 3,344 |
| Net charge-offs to loans | 0.5380% | 2,479 |
| Credit loss provision to net charge-offs | 79.1667% | 3,795 |
| Earnings coverage of net charge-offs (x) | 3.8611% | 3,031 |
| Efficiency ratio | 69.4505% | 4,221 |
| Assets per employee ($millions) | 3.0126% | 6,058 |
| Cash dividends to net income (ytd only)* | 65.1584% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 2,414 |
| Loan loss allowance to noncurrent loans | 98.8827% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2904% | 2,864 |
| Noncurrent loans to loans | 2.0060% | 3,470 |
| Net loans and leases to total assets | 79.1786% | 625 |
| Net loans and leases to deposits | 90.3018% | 1,239 |
| Net loans and leases to core deposits | 98.9815% | 1,434 |
| Total domestic deposits to total assets | 87.6822% | 2,355 |
| Equity capital to assets | 10.5586% | 3,433 |
| Core capital (leverage) ratio | 10.4323% | 2,784 |
| Tier 1 risk-based capital ratio | 15.8476% | 3,055 |
| Total risk-based capital ratio | 17.1113% | 3,025 |
| Memoranda: | ||
| Average total assets | $33,350,670 | 7,002 |
| Average earning assets | $31,163,330 | 6,961 |
| Average equity | $3,436,670 | 7,002 |
| Average total loans | $26,767,000 | 6,428 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4591% | 226 |
| Cost of funding earning assets | 1.3430% | 1,927 |
| Net interest margin | 5.1162% | 294 |
| Noninterest income to average assets | 0.6576% | 2,792 |
| Noninterest expense to average assets | 4.5791% | 549 |
| Loan and lease loss provision to assets | 0.3348% | 2,553 |
| Net operating income to assets | 0.5261% | 4,375 |
| Return on assets (ROA) | 0.5261% | 4,459 |
| Pretax return on assets | 0.5261% | 4,938 |
| Return on Equity (ROE) | 5.1681% | 4,309 |
| Retained earnings to average equity (ytd only) | -3.9935% | 6,409 |
| Net charge-offs to loans | 0.9565% | 1,400 |
| Credit loss provision to net charge-offs | 43.7500% | 3,875 |
| Earnings coverage of net charge-offs (x) | 1.1250% | 3,822 |
| Efficiency ratio | 84.1758% | 1,939 |
| Assets per employee ($millions) | 3.4219% | 5,183 |
| Cash dividends to net income (ytd only)* | 177.2727% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 2,588 |
| Loan loss allowance to noncurrent loans | 114.8315% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.9492% | 3,374 |
| Noncurrent loans to loans | 1.6829% | 3,959 |
| Net loans and leases to total assets | 75.7825% | 1,057 |
| Net loans and leases to deposits | 85.7001% | 1,778 |
| Net loans and leases to core deposits | 93.5802% | 1,944 |
| Total domestic deposits to total assets | 88.4275% | 2,123 |
| Equity capital to assets | 9.9039% | 3,896 |
| Core capital (leverage) ratio | 10.2063% | 2,923 |
| Tier 1 risk-based capital ratio | 15.3975% | 3,213 |
| Total risk-based capital ratio | 16.6606% | 3,163 |
| Memoranda: | ||
| Average total assets | $33,456,500 | 7,055 |
| Average earning assets | $31,273,500 | 7,007 |
| Average equity | $3,405,500 | 7,045 |
| Average total loans | $26,765,500 | 6,487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5236% | 78 |
| Cost of funding earning assets | 1.6734% | 1,719 |
| Net interest margin | 5.8502% | 115 |
| Noninterest income to average assets | 0.6298% | 3,287 |
| Noninterest expense to average assets | 3.9217% | 1,280 |
| Loan and lease loss provision to assets | 0.3562% | 3,986 |
| Net operating income to assets | 1.7780% | 444 |
| Return on assets (ROA) | 1.7780% | 481 |
| Pretax return on assets | 1.7780% | 804 |
| Return on Equity (ROE) | 17.6508% | 410 |
| Retained earnings to average equity (ytd only) | 14.8090% | 133 |
| Net charge-offs to loans | 0.2669% | 4,696 |
| Credit loss provision to net charge-offs | 153.4247% | 2,321 |
| Earnings coverage of net charge-offs (x) | 9.1918% | 1,855 |
| Efficiency ratio | 64.7584% | 5,207 |
| Assets per employee ($millions) | 2.9722% | 6,162 |
| Cash dividends to net income (ytd only)* | 16.1002% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 2,257 |
| Loan loss allowance to noncurrent loans | 84.1538% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 2.8660% | 2,441 |
| Noncurrent loans to loans | 2.3996% | 3,119 |
| Net loans and leases to total assets | 81.1800% | 520 |
| Net loans and leases to deposits | 92.3969% | 1,220 |
| Net loans and leases to core deposits | 101.3905% | 1,502 |
| Total domestic deposits to total assets | 87.8602% | 2,335 |
| Equity capital to assets | 10.4668% | 3,193 |
| Core capital (leverage) ratio | 10.4597% | 2,596 |
| Tier 1 risk-based capital ratio | 15.4109% | 3,038 |
| Total risk-based capital ratio | 16.6764% | 2,992 |
| Memoranda: | ||
| Average total assets | $31,440,400 | 7,159 |
| Average earning assets | $29,161,400 | 7,121 |
| Average equity | $3,167,000 | 7,228 |
| Average total loans | $27,349,800 | 6,537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6576% | 77 |
| Cost of funding earning assets | 1.7068% | 1,842 |
| Net interest margin | 5.9508% | 99 |
| Noninterest income to average assets | 0.6553% | 3,096 |
| Noninterest expense to average assets | 3.6966% | 1,572 |
| Loan and lease loss provision to assets | 0.3598% | 3,738 |
| Net operating income to assets | 2.1246% | 277 |
| Return on assets (ROA) | 2.1246% | 296 |
| Pretax return on assets | 2.1246% | 479 |
| Return on Equity (ROE) | 21.3106% | 236 |
| Retained earnings to average equity (ytd only) | 17.4436% | 124 |
| Net charge-offs to loans | 0.1265% | 5,290 |
| Credit loss provision to net charge-offs | 323.0769% | 980 |
| Earnings coverage of net charge-offs (x) | 22.3049% | 1,100 |
| Efficiency ratio | 59.8060% | 5,981 |
| Assets per employee ($millions) | 2.8221% | 6,544 |
| Cash dividends to net income (ytd only)* | 18.1455% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 1,973 |
| Loan loss allowance to noncurrent loans | 179.3651% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 3,558 |
| Noncurrent loans to loans | 1.1777% | 4,893 |
| Net loans and leases to total assets | 84.3443% | 311 |
| Net loans and leases to deposits | 96.4063% | 933 |
| Net loans and leases to core deposits | 107.2502% | 1,214 |
| Total domestic deposits to total assets | 87.4883% | 2,267 |
| Equity capital to assets | 10.8205% | 3,149 |
| Core capital (leverage) ratio | 10.5268% | 2,660 |
| Tier 1 risk-based capital ratio | 15.6867% | 2,908 |
| Total risk-based capital ratio | 16.9523% | 2,864 |
| Memoranda: | ||
| Average total assets | $31,127,000 | 7,252 |
| Average earning assets | $28,903,000 | 7,216 |
| Average equity | $3,103,250 | 7,336 |
| Average total loans | $27,415,250 | 6,620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5619% | 88 |
| Cost of funding earning assets | 1.6873% | 2,181 |
| Net interest margin | 5.8746% | 112 |
| Noninterest income to average assets | 0.7254% | 2,547 |
| Noninterest expense to average assets | 3.8517% | 1,265 |
| Loan and lease loss provision to assets | 0.3595% | 3,551 |
| Net operating income to assets | 1.9900% | 339 |
| Return on assets (ROA) | 1.9900% | 374 |
| Pretax return on assets | 1.9900% | 612 |
| Return on Equity (ROE) | 20.5434% | 287 |
| Retained earnings to average equity (ytd only) | 14.5792% | 274 |
| Net charge-offs to loans | 0.1881% | 4,480 |
| Credit loss provision to net charge-offs | 215.3846% | 1,810 |
| Earnings coverage of net charge-offs (x) | 14.0769% | 1,547 |
| Efficiency ratio | 62.1118% | 5,672 |
| Assets per employee ($millions) | 2.6227% | 6,912 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 2,321 |
| Loan loss allowance to noncurrent loans | 115.9827% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 2.3799% | 3,031 |
| Noncurrent loans to loans | 1.6740% | 4,180 |
| Net loans and leases to total assets | 86.1750% | 221 |
| Net loans and leases to deposits | 97.6032% | 914 |
| Net loans and leases to core deposits | 109.1696% | 1,221 |
| Total domestic deposits to total assets | 88.2912% | 1,832 |
| Equity capital to assets | 9.9994% | 4,026 |
| Core capital (leverage) ratio | 10.0917% | 3,075 |
| Tier 1 risk-based capital ratio | 14.3032% | 3,537 |
| Total risk-based capital ratio | 15.5622% | 3,507 |
| Memoranda: | ||
| Average total assets | $31,155,000 | 7,303 |
| Average earning assets | $29,040,330 | 7,259 |
| Average equity | $3,018,000 | 7,410 |
| Average total loans | $27,637,670 | 6,657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5827% | 97 |
| Cost of funding earning assets | 1.6743% | 2,517 |
| Net interest margin | 5.9084% | 116 |
| Noninterest income to average assets | 0.7614% | 2,224 |
| Noninterest expense to average assets | 4.0779% | 930 |
| Loan and lease loss provision to assets | 0.3484% | 3,291 |
| Net operating income to assets | 1.8454% | 454 |
| Return on assets (ROA) | 1.8454% | 499 |
| Pretax return on assets | 1.8454% | 817 |
| Return on Equity (ROE) | 19.3669% | 415 |
| Retained earnings to average equity (ytd only) | 7.1779% | 2,056 |
| Net charge-offs to loans | 0.0724% | 4,695 |
| Credit loss provision to net charge-offs | 540.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 796 |
| Efficiency ratio | 65.0206% | 5,304 |
| Assets per employee ($millions) | 2.5697% | 7,095 |
| Cash dividends to net income (ytd only)* | 62.9371% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 2,442 |
| Loan loss allowance to noncurrent loans | 65.2281% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 2.8441% | 2,544 |
| Noncurrent loans to loans | 2.9132% | 2,766 |
| Net loans and leases to total assets | 88.5653% | 106 |
| Net loans and leases to deposits | 100.0037% | 750 |
| Net loans and leases to core deposits | 113.0053% | 1,093 |
| Total domestic deposits to total assets | 88.5621% | 1,756 |
| Equity capital to assets | 9.6640% | 4,283 |
| Core capital (leverage) ratio | 9.6166% | 3,621 |
| Tier 1 risk-based capital ratio | 13.7797% | 3,811 |
| Total risk-based capital ratio | 15.0467% | 3,756 |
| Memoranda: | ||
| Average total assets | $30,996,500 | 7,408 |
| Average earning assets | $28,908,000 | 7,360 |
| Average equity | $2,953,500 | 7,507 |
| Average total loans | $27,627,500 | 6,740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7346% | 98 |
| Cost of funding earning assets | 2.0509% | 2,718 |
| Net interest margin | 5.6836% | 152 |
| Noninterest income to average assets | 0.5430% | 4,088 |
| Noninterest expense to average assets | 4.1935% | 1,105 |
| Loan and lease loss provision to assets | 0.3620% | 4,631 |
| Net operating income to assets | 1.3475% | 947 |
| Return on assets (ROA) | 1.3475% | 993 |
| Pretax return on assets | 1.3475% | 1,565 |
| Return on Equity (ROE) | 14.3264% | 732 |
| Retained earnings to average equity (ytd only) | 6.6643% | 1,088 |
| Net charge-offs to loans | 0.2567% | 5,017 |
| Credit loss provision to net charge-offs | 154.2857% | 2,959 |
| Earnings coverage of net charge-offs (x) | 7.2857% | 2,181 |
| Efficiency ratio | 71.0392% | 4,437 |
| Assets per employee ($millions) | 2.5964% | 7,046 |
| Cash dividends to net income (ytd only)* | 53.4826% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8529% | 2,400 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.8725% | 2,443 |
| Noncurrent loans to loans | 3.2426% | 2,354 |
| Net loans and leases to total assets | 86.3626% | 258 |
| Net loans and leases to deposits | 97.2356% | 1,186 |
| Net loans and leases to core deposits | 118.1056% | 2,121 |
| Total domestic deposits to total assets | 88.8179% | 1,562 |
| Equity capital to assets | 9.3944% | 4,568 |
| Core capital (leverage) ratio | 9.5367% | 3,672 |
| Tier 1 risk-based capital ratio | 13.5792% | 3,772 |
| Total risk-based capital ratio | 14.8411% | 3,707 |
| Memoranda: | ||
| Average total assets | $29,832,200 | 7,475 |
| Average earning assets | $28,133,400 | 7,426 |
| Average equity | $2,806,000 | 7,646 |
| Average total loans | $27,274,200 | 6,785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8235% | 96 |
| Cost of funding earning assets | 2.1424% | 2,701 |
| Net interest margin | 5.6811% | 146 |
| Noninterest income to average assets | 0.5604% | 4,008 |
| Noninterest expense to average assets | 4.1173% | 1,117 |
| Loan and lease loss provision to assets | 0.3661% | 4,125 |
| Net operating income to assets | 1.4463% | 928 |
| Return on assets (ROA) | 1.4463% | 988 |
| Pretax return on assets | 1.4463% | 1,576 |
| Return on Equity (ROE) | 15.3710% | 723 |
| Retained earnings to average equity (ytd only) | 5.0437% | 2,464 |
| Net charge-offs to loans | 0.1126% | 5,554 |
| Credit loss provision to net charge-offs | 352.1739% | 1,165 |
| Earnings coverage of net charge-offs (x) | 17.4323% | 1,406 |
| Efficiency ratio | 69.4360% | 4,703 |
| Assets per employee ($millions) | 2.2910% | 7,510 |
| Cash dividends to net income (ytd only)* | 67.1870% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 1,989 |
| Loan loss allowance to noncurrent loans | 55.1148% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 3.2166% | 2,106 |
| Noncurrent loans to loans | 3.4766% | 2,151 |
| Net loans and leases to total assets | 90.7498% | 87 |
| Net loans and leases to deposits | 102.5653% | 878 |
| Net loans and leases to core deposits | 121.5670% | 2,108 |
| Total domestic deposits to total assets | 88.4800% | 1,444 |
| Equity capital to assets | 9.5524% | 4,674 |
| Core capital (leverage) ratio | 9.4625% | 3,962 |
| Tier 1 risk-based capital ratio | 13.3537% | 3,956 |
| Total risk-based capital ratio | 14.6210% | 3,891 |
| Memoranda: | ||
| Average total assets | $29,501,000 | 7,558 |
| Average earning assets | $27,881,000 | 7,500 |
| Average equity | $2,775,750 | 7,724 |
| Average total loans | $27,238,750 | 6,843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8511% | 104 |
| Cost of funding earning assets | 2.2452% | 2,601 |
| Net interest margin | 5.6059% | 162 |
| Noninterest income to average assets | 0.4829% | 4,599 |
| Noninterest expense to average assets | 3.9446% | 1,407 |
| Loan and lease loss provision to assets | 0.3673% | 3,725 |
| Net operating income to assets | 1.4690% | 900 |
| Return on assets (ROA) | 1.4690% | 960 |
| Pretax return on assets | 1.4690% | 1,534 |
| Return on Equity (ROE) | 15.6939% | 736 |
| Retained earnings to average equity (ytd only) | 6.6118% | 1,739 |
| Net charge-offs to loans | 0.1106% | 5,053 |
| Credit loss provision to net charge-offs | 360.0000% | 1,287 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,436 |
| Efficiency ratio | 68.2353% | 5,116 |
| Assets per employee ($millions) | 2.4448% | 7,354 |
| Cash dividends to net income (ytd only)* | 57.8704% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 1,872 |
| Loan loss allowance to noncurrent loans | 64.1058% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.7064% | 2,372 |
| Noncurrent loans to loans | 2.9121% | 2,469 |
| Net loans and leases to total assets | 91.2025% | 82 |
| Net loans and leases to deposits | 103.1973% | 973 |
| Net loans and leases to core deposits | 122.6148% | 2,143 |
| Total domestic deposits to total assets | 88.3768% | 1,585 |
| Equity capital to assets | 9.6496% | 4,426 |
| Core capital (leverage) ratio | 9.4876% | 3,906 |
| Tier 1 risk-based capital ratio | 13.4470% | 3,847 |
| Total risk-based capital ratio | 14.7105% | 3,779 |
| Memoranda: | ||
| Average total assets | $29,407,000 | 7,627 |
| Average earning assets | $27,792,330 | 7,568 |
| Average equity | $2,752,670 | 7,805 |
| Average total loans | $27,133,000 | 6,909 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7831% | 118 |
| Cost of funding earning assets | 2.3205% | 2,617 |
| Net interest margin | 5.4626% | 187 |
| Noninterest income to average assets | 0.4891% | 4,415 |
| Noninterest expense to average assets | 4.2933% | 861 |
| Loan and lease loss provision to assets | 0.3668% | 3,122 |
| Net operating income to assets | 0.9782% | 2,404 |
| Return on assets (ROA) | 0.9782% | 2,533 |
| Pretax return on assets | 0.9782% | 3,430 |
| Return on Equity (ROE) | 10.6136% | 2,096 |
| Retained earnings to average equity (ytd only) | -7.8128% | 6,895 |
| Net charge-offs to loans | 0.1034% | 4,144 |
| Credit loss provision to net charge-offs | 385.7143% | 1,337 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 1,691 |
| Efficiency ratio | 76.1446% | 3,464 |
| Assets per employee ($millions) | 2.7000% | 6,885 |
| Cash dividends to net income (ytd only)* | 173.6111% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 1,901 |
| Loan loss allowance to noncurrent loans | 87.8136% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.8788% | 3,095 |
| Noncurrent loans to loans | 2.0267% | 3,227 |
| Net loans and leases to total assets | 91.0505% | 97 |
| Net loans and leases to deposits | 102.8096% | 1,109 |
| Net loans and leases to core deposits | 122.6450% | 2,194 |
| Total domestic deposits to total assets | 88.5623% | 1,450 |
| Equity capital to assets | 9.0471% | 5,298 |
| Core capital (leverage) ratio | 9.1008% | 4,555 |
| Tier 1 risk-based capital ratio | 12.7479% | 4,347 |
| Total risk-based capital ratio | 14.0051% | 4,263 |
| Memoranda: | ||
| Average total assets | $29,441,500 | 7,668 |
| Average earning assets | $27,752,500 | 7,621 |
| Average equity | $2,713,500 | 7,868 |
| Average total loans | $27,066,500 | 6,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9311% | 209 |
| Cost of funding earning assets | 2.7245% | 3,041 |
| Net interest margin | 5.2066% | 336 |
| Noninterest income to average assets | 0.6693% | 3,337 |
| Noninterest expense to average assets | 3.6996% | 1,955 |
| Loan and lease loss provision to assets | 0.3261% | 3,774 |
| Net operating income to assets | 1.5322% | 955 |
| Return on assets (ROA) | 1.5322% | 926 |
| Pretax return on assets | 1.5322% | 1,588 |
| Return on Equity (ROE) | 17.4942% | 576 |
| Retained earnings to average equity (ytd only) | 0.0388% | 5,212 |
| Net charge-offs to loans | 0.1423% | 4,792 |
| Credit loss provision to net charge-offs | 259.4595% | 1,783 |
| Earnings coverage of net charge-offs (x) | 14.7838% | 2,001 |
| Efficiency ratio | 66.5648% | 5,012 |
| Assets per employee ($millions) | 2.9183% | 6,251 |
| Cash dividends to net income (ytd only)* | 99.7783% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 1,717 |
| Loan loss allowance to noncurrent loans | 96.3115% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 2,910 |
| Noncurrent loans to loans | 1.8345% | 3,010 |
| Net loans and leases to total assets | 89.5419% | 229 |
| Net loans and leases to deposits | 101.0753% | 1,698 |
| Net loans and leases to core deposits | 116.8545% | 3,020 |
| Total domestic deposits to total assets | 88.5892% | 1,210 |
| Equity capital to assets | 9.3890% | 4,835 |
| Core capital (leverage) ratio | 9.2421% | 4,376 |
| Tier 1 risk-based capital ratio | 13.1762% | 4,011 |
| Total risk-based capital ratio | 14.4410% | 3,912 |
| Memoranda: | ||
| Average total assets | $29,435,400 | 7,671 |
| Average earning assets | $27,638,200 | 7,636 |
| Average equity | $2,578,000 | 7,953 |
| Average total loans | $26,006,000 | 6,964 |