Home > Bank of Turtle Lake > Performance and Condition Ratios
Bank of Turtle Lake, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 1,395 |
| Cost of funding earning assets | 0.6968% | 329 |
| Net interest margin | 3.2868% | 2,347 |
| Noninterest income to average assets | 0.2473% | 3,891 |
| Noninterest expense to average assets | 2.5897% | 1,898 |
| Loan and lease loss provision to assets | 0.0582% | 1,897 |
| Net operating income to assets | 0.5464% | 3,991 |
| Return on assets (ROA) | 0.5464% | 4,041 |
| Pretax return on assets | 0.6951% | 3,935 |
| Return on Equity (ROE) | 5.1987% | 3,955 |
| Retained earnings to average equity (ytd only) | -2.1072% | 4,629 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4662% | 998 |
| Assets per employee ($millions) | 6.1548% | 2,605 |
| Cash dividends to net income (ytd only)* | 140.5325% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2060% | 449 |
| Loan loss allowance to noncurrent loans | 1,377.5862% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,276 |
| Noncurrent loans to loans | 0.1601% | 3,136 |
| Net loans and leases to total assets | 57.5486% | 2,420 |
| Net loans and leases to deposits | 64.3065% | 2,663 |
| Net loans and leases to core deposits | 67.7091% | 2,680 |
| Total domestic deposits to total assets | 89.4911% | 1,243 |
| Equity capital to assets | 10.2050% | 2,463 |
| Core capital (leverage) ratio | 10.2243% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,860,600 | 4,429 |
| Average earning assets | $58,263,600 | 4,405 |
| Average equity | $6,501,600 | 4,476 |
| Average total loans | $37,214,400 | 4,245 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 1,455 |
| Cost of funding earning assets | 0.7234% | 340 |
| Net interest margin | 3.3135% | 2,377 |
| Noninterest income to average assets | 0.2432% | 3,940 |
| Noninterest expense to average assets | 2.5379% | 2,012 |
| Loan and lease loss provision to assets | 0.0775% | 1,518 |
| Net operating income to assets | 0.6006% | 4,007 |
| Return on assets (ROA) | 0.6006% | 4,053 |
| Pretax return on assets | 0.7534% | 3,973 |
| Return on Equity (ROE) | 5.6734% | 3,990 |
| Retained earnings to average equity (ytd only) | 2.1148% | 4,161 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3355% | 1,088 |
| Assets per employee ($millions) | 6.0093% | 2,686 |
| Cash dividends to net income (ytd only)* | 62.7240% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 697 |
| Loan loss allowance to noncurrent loans | 1,011.3924% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,237 |
| Noncurrent loans to loans | 0.1928% | 3,173 |
| Net loans and leases to total assets | 66.8664% | 1,448 |
| Net loans and leases to deposits | 75.5514% | 1,711 |
| Net loans and leases to core deposits | 79.6993% | 1,765 |
| Total domestic deposits to total assets | 88.5045% | 1,561 |
| Equity capital to assets | 10.9497% | 2,056 |
| Core capital (leverage) ratio | 10.8783% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,938,750 | 4,487 |
| Average earning assets | $58,426,250 | 4,461 |
| Average equity | $6,556,750 | 4,538 |
| Average total loans | $37,463,250 | 4,298 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 1,306 |
| Cost of funding earning assets | 0.7512% | 362 |
| Net interest margin | 3.3718% | 2,230 |
| Noninterest income to average assets | 0.2590% | 3,839 |
| Noninterest expense to average assets | 2.5290% | 2,052 |
| Loan and lease loss provision to assets | 0.0927% | 1,349 |
| Net operating income to assets | 0.6458% | 3,883 |
| Return on assets (ROA) | 0.6458% | 3,945 |
| Pretax return on assets | 0.8089% | 3,851 |
| Return on Equity (ROE) | 6.1689% | 3,864 |
| Retained earnings to average equity (ytd only) | 3.1150% | 3,809 |
| Net charge-offs to loans | 0.0165% | 1,621 |
| Credit loss provision to net charge-offs | 966.6667% | 485 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 776 |
| Efficiency ratio | 73.7185% | 1,267 |
| Assets per employee ($millions) | 6.2930% | 2,338 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1214% | 486 |
| Loan loss allowance to noncurrent loans | 428.8043% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 2,461 |
| Noncurrent loans to loans | 0.4947% | 2,199 |
| Net loans and leases to total assets | 57.8468% | 2,686 |
| Net loans and leases to deposits | 64.9011% | 2,908 |
| Net loans and leases to core deposits | 71.2778% | 2,665 |
| Total domestic deposits to total assets | 89.1308% | 1,213 |
| Equity capital to assets | 10.4433% | 2,444 |
| Core capital (leverage) ratio | 10.2225% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,554,000 | 4,509 |
| Average earning assets | $58,840,333 | 4,486 |
| Average equity | $6,549,000 | 4,566 |
| Average total loans | $36,290,667 | 4,353 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 1,109 |
| Cost of funding earning assets | 0.7748% | 401 |
| Net interest margin | 3.4799% | 1,885 |
| Noninterest income to average assets | 0.2373% | 3,973 |
| Noninterest expense to average assets | 2.5270% | 2,097 |
| Loan and lease loss provision to assets | 0.0962% | 1,396 |
| Net operating income to assets | 0.7119% | 3,680 |
| Return on assets (ROA) | 0.7119% | 3,745 |
| Pretax return on assets | 0.8979% | 3,603 |
| Return on Equity (ROE) | 6.7916% | 3,659 |
| Retained earnings to average equity (ytd only) | 2.2027% | 3,966 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7668% | 1,521 |
| Assets per employee ($millions) | 5.8231% | 2,769 |
| Cash dividends to net income (ytd only)* | 67.5676% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2711% | 383 |
| Loan loss allowance to noncurrent loans | 418.2796% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,687 |
| Noncurrent loans to loans | 0.5430% | 2,234 |
| Net loans and leases to total assets | 52.2668% | 3,421 |
| Net loans and leases to deposits | 58.4398% | 3,602 |
| Net loans and leases to core deposits | 64.3518% | 3,379 |
| Total domestic deposits to total assets | 89.4370% | 1,098 |
| Equity capital to assets | 10.1930% | 2,525 |
| Core capital (leverage) ratio | 10.5101% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,366,000 | 4,526 |
| Average earning assets | $58,853,000 | 4,501 |
| Average equity | $6,537,500 | 4,581 |
| Average total loans | $35,840,000 | 4,383 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 457 |
| Cost of funding earning assets | 0.8438% | 1,039 |
| Net interest margin | 4.1886% | 651 |
| Noninterest income to average assets | 0.2110% | 4,223 |
| Noninterest expense to average assets | 3.0180% | 1,397 |
| Loan and lease loss provision to assets | 0.1596% | 2,375 |
| Net operating income to assets | 0.7572% | 3,244 |
| Return on assets (ROA) | 0.7572% | 3,370 |
| Pretax return on assets | 0.9593% | 3,180 |
| Return on Equity (ROE) | 6.5711% | 3,382 |
| Retained earnings to average equity (ytd only) | 1.9544% | 3,846 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9533% | 1,577 |
| Assets per employee ($millions) | 6.0678% | 2,281 |
| Cash dividends to net income (ytd only)* | 70.2576% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 541 |
| Loan loss allowance to noncurrent loans | 346.8182% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 2,529 |
| Noncurrent loans to loans | 0.5879% | 2,230 |
| Net loans and leases to total assets | 60.4173% | 2,805 |
| Net loans and leases to deposits | 68.0111% | 3,076 |
| Net loans and leases to core deposits | 73.0876% | 2,991 |
| Total domestic deposits to total assets | 88.8345% | 1,057 |
| Equity capital to assets | 10.7881% | 2,443 |
| Core capital (leverage) ratio | 10.7019% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,394,600 | 4,564 |
| Average earning assets | $52,857,600 | 4,543 |
| Average equity | $6,498,200 | 4,585 |
| Average total loans | $42,253,600 | 4,269 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 385 |
| Cost of funding earning assets | 0.8543% | 1,238 |
| Net interest margin | 4.3819% | 487 |
| Noninterest income to average assets | 0.2097% | 4,223 |
| Noninterest expense to average assets | 2.8390% | 1,856 |
| Loan and lease loss provision to assets | 0.1609% | 2,390 |
| Net operating income to assets | 1.0291% | 2,222 |
| Return on assets (ROA) | 1.0291% | 2,356 |
| Pretax return on assets | 1.3134% | 1,994 |
| Return on Equity (ROE) | 8.7773% | 2,484 |
| Retained earnings to average equity (ytd only) | 3.4739% | 3,316 |
| Net charge-offs to loans | 0.0215% | 2,425 |
| Credit loss provision to net charge-offs | 957.1429% | 854 |
| Earnings coverage of net charge-offs (x) | 87.4286% | 869 |
| Efficiency ratio | 65.8101% | 2,491 |
| Assets per employee ($millions) | 5.2714% | 2,925 |
| Cash dividends to net income (ytd only)* | 60.4215% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,138 |
| Loan loss allowance to noncurrent loans | 69.3472% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8229% | 411 |
| Noncurrent loans to loans | 2.2911% | 490 |
| Net loans and leases to total assets | 78.2996% | 796 |
| Net loans and leases to deposits | 88.8980% | 1,382 |
| Net loans and leases to core deposits | 94.9277% | 1,548 |
| Total domestic deposits to total assets | 88.0780% | 1,187 |
| Equity capital to assets | 11.3616% | 2,109 |
| Core capital (leverage) ratio | 11.3437% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,323,750 | 4,597 |
| Average earning assets | $51,817,750 | 4,579 |
| Average equity | $6,486,250 | 4,607 |
| Average total loans | $43,461,250 | 4,267 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 455 |
| Cost of funding earning assets | 0.8603% | 1,542 |
| Net interest margin | 4.4702% | 537 |
| Noninterest income to average assets | 0.2315% | 4,100 |
| Noninterest expense to average assets | 2.8767% | 1,889 |
| Loan and lease loss provision to assets | 0.1653% | 2,345 |
| Net operating income to assets | 1.1132% | 1,921 |
| Return on assets (ROA) | 1.1132% | 2,042 |
| Pretax return on assets | 1.3704% | 1,802 |
| Return on Equity (ROE) | 9.3920% | 2,205 |
| Retained earnings to average equity (ytd only) | 5.3314% | 2,335 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1957% | 2,635 |
| Assets per employee ($millions) | 4.7618% | 3,454 |
| Cash dividends to net income (ytd only)* | 43.2343% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 1,125 |
| Loan loss allowance to noncurrent loans | 43.6740% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 2.8770% | 177 |
| Noncurrent loans to loans | 3.5493% | 219 |
| Net loans and leases to total assets | 79.8029% | 612 |
| Net loans and leases to deposits | 92.4726% | 1,098 |
| Net loans and leases to core deposits | 98.4478% | 1,375 |
| Total domestic deposits to total assets | 86.2990% | 1,889 |
| Equity capital to assets | 11.5379% | 1,946 |
| Core capital (leverage) ratio | 11.7535% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,436,667 | 4,627 |
| Average earning assets | $50,914,667 | 4,606 |
| Average equity | $6,452,333 | 4,633 |
| Average total loans | $42,570,000 | 4,304 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2025% | 658 |
| Cost of funding earning assets | 0.8805% | 1,967 |
| Net interest margin | 4.3219% | 729 |
| Noninterest income to average assets | 0.2035% | 4,335 |
| Noninterest expense to average assets | 2.9237% | 2,062 |
| Loan and lease loss provision to assets | 0.1733% | 1,703 |
| Net operating income to assets | 0.8816% | 2,580 |
| Return on assets (ROA) | 0.8816% | 2,682 |
| Pretax return on assets | 1.1378% | 2,403 |
| Return on Equity (ROE) | 7.3331% | 2,806 |
| Retained earnings to average equity (ytd only) | 3.1965% | 3,000 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0391% | 2,504 |
| Assets per employee ($millions) | 4.4581% | 3,325 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 710 |
| Loan loss allowance to noncurrent loans | 129.6089% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0038% | 1,312 |
| Noncurrent loans to loans | 1.3861% | 1,156 |
| Net loans and leases to total assets | 71.1161% | 2,072 |
| Net loans and leases to deposits | 81.2702% | 2,548 |
| Net loans and leases to core deposits | 86.3109% | 2,654 |
| Total domestic deposits to total assets | 87.5058% | 1,331 |
| Equity capital to assets | 12.0081% | 2,060 |
| Core capital (leverage) ratio | 12.1586% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,084,000 | 4,666 |
| Average earning assets | $49,515,000 | 4,646 |
| Average equity | $6,382,000 | 4,675 |
| Average total loans | $40,695,500 | 4,359 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 564 |
| Cost of funding earning assets | 0.8993% | 2,193 |
| Net interest margin | 4.5956% | 578 |
| Noninterest income to average assets | 0.2889% | 3,960 |
| Noninterest expense to average assets | 3.0305% | 1,936 |
| Loan and lease loss provision to assets | 0.1745% | 1,196 |
| Net operating income to assets | 1.0489% | 2,660 |
| Return on assets (ROA) | 1.0489% | 2,757 |
| Pretax return on assets | 1.4038% | 2,144 |
| Return on Equity (ROE) | 8.6141% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.8183% | 3,631 |
| Net charge-offs to loans | -0.0097% | 4,464 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7552% | 2,810 |
| Assets per employee ($millions) | 4.3893% | 3,388 |
| Cash dividends to net income (ytd only)* | 67.2828% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,025 |
| Loan loss allowance to noncurrent loans | 575.2137% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 3,563 |
| Noncurrent loans to loans | 0.2743% | 3,466 |
| Net loans and leases to total assets | 79.6966% | 826 |
| Net loans and leases to deposits | 95.2011% | 1,030 |
| Net loans and leases to core deposits | 101.4501% | 1,447 |
| Total domestic deposits to total assets | 83.7140% | 2,946 |
| Equity capital to assets | 12.0370% | 2,115 |
| Core capital (leverage) ratio | 11.6141% | 2,030 |
| Tier 1 risk-based capital ratio | 13.8332% | 3,349 |
| Total risk-based capital ratio | 15.0867% | 3,254 |
| Memoranda: | ||
| Average total assets | $51,575,400 | 4,727 |
| Average earning assets | $48,481,000 | 4,701 |
| Average equity | $6,280,400 | 4,723 |
| Average total loans | $41,320,800 | 4,381 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 744 |
| Cost of funding earning assets | 0.8568% | 2,428 |
| Net interest margin | 4.5152% | 745 |
| Noninterest income to average assets | 0.3379% | 3,712 |
| Noninterest expense to average assets | 2.6769% | 2,924 |
| Loan and lease loss provision to assets | 0.1767% | 1,041 |
| Net operating income to assets | 1.3229% | 1,759 |
| Return on assets (ROA) | 1.3229% | 1,831 |
| Pretax return on assets | 1.7439% | 1,212 |
| Return on Equity (ROE) | 10.8315% | 2,083 |
| Retained earnings to average equity (ytd only) | 5.2349% | 2,770 |
| Net charge-offs to loans | -0.0130% | 4,461 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2250% | 3,904 |
| Assets per employee ($millions) | 4.9521% | 2,611 |
| Cash dividends to net income (ytd only)* | 51.6702% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,452 |
| Loan loss allowance to noncurrent loans | 207.0064% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 2,276 |
| Noncurrent loans to loans | 0.6921% | 2,230 |
| Net loans and leases to total assets | 82.0994% | 556 |
| Net loans and leases to deposits | 105.3770% | 342 |
| Net loans and leases to core deposits | 112.5818% | 814 |
| Total domestic deposits to total assets | 77.9102% | 4,362 |
| Equity capital to assets | 11.7673% | 2,438 |
| Core capital (leverage) ratio | 11.9516% | 1,885 |
| Tier 1 risk-based capital ratio | 13.3864% | 3,643 |
| Total risk-based capital ratio | 14.6370% | 3,539 |
| Memoranda: | ||
| Average total assets | $51,301,500 | 4,798 |
| Average earning assets | $48,398,750 | 4,770 |
| Average equity | $6,265,500 | 4,788 |
| Average total loans | $40,988,500 | 4,443 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 906 |
| Cost of funding earning assets | 0.7778% | 2,758 |
| Net interest margin | 4.4681% | 825 |
| Noninterest income to average assets | 0.2866% | 4,026 |
| Noninterest expense to average assets | 2.7108% | 2,871 |
| Loan and lease loss provision to assets | 0.1791% | 1,002 |
| Net operating income to assets | 1.2260% | 2,050 |
| Return on assets (ROA) | 1.2260% | 2,111 |
| Pretax return on assets | 1.6042% | 1,535 |
| Return on Equity (ROE) | 9.9078% | 2,438 |
| Retained earnings to average equity (ytd only) | 6.5623% | 2,025 |
| Net charge-offs to loans | -0.0202% | 4,548 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3189% | 3,679 |
| Assets per employee ($millions) | 4.6229% | 2,972 |
| Cash dividends to net income (ytd only)* | 33.7662% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,207 |
| Loan loss allowance to noncurrent loans | 427.2109% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 3,394 |
| Noncurrent loans to loans | 0.3564% | 3,265 |
| Net loans and leases to total assets | 79.8749% | 896 |
| Net loans and leases to deposits | 98.1538% | 827 |
| Net loans and leases to core deposits | 105.0484% | 1,299 |
| Total domestic deposits to total assets | 81.3773% | 3,701 |
| Equity capital to assets | 12.4931% | 1,862 |
| Core capital (leverage) ratio | 12.5983% | 1,489 |
| Tier 1 risk-based capital ratio | 14.2674% | 3,178 |
| Total risk-based capital ratio | 15.5187% | 3,096 |
| Memoranda: | ||
| Average total assets | $50,244,330 | 4,845 |
| Average earning assets | $47,313,330 | 4,825 |
| Average equity | $6,217,330 | 4,824 |
| Average total loans | $39,527,330 | 4,511 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 989 |
| Cost of funding earning assets | 0.7536% | 2,776 |
| Net interest margin | 4.4031% | 897 |
| Noninterest income to average assets | 0.2483% | 4,234 |
| Noninterest expense to average assets | 2.6672% | 3,008 |
| Loan and lease loss provision to assets | 0.1842% | 893 |
| Net operating income to assets | 1.1934% | 2,086 |
| Return on assets (ROA) | 1.1934% | 2,135 |
| Pretax return on assets | 1.5619% | 1,566 |
| Return on Equity (ROE) | 9.6918% | 2,498 |
| Retained earnings to average equity (ytd only) | 6.2444% | 2,347 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4356% | 3,750 |
| Assets per employee ($millions) | 4.5828% | 3,070 |
| Cash dividends to net income (ytd only)* | 35.5705% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 1,032 |
| Loan loss allowance to noncurrent loans | 590.1961% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,804 |
| Noncurrent loans to loans | 0.2737% | 3,584 |
| Net loans and leases to total assets | 72.7401% | 2,037 |
| Net loans and leases to deposits | 83.3690% | 2,458 |
| Net loans and leases to core deposits | 88.8407% | 2,606 |
| Total domestic deposits to total assets | 87.2508% | 1,686 |
| Equity capital to assets | 12.3247% | 1,832 |
| Core capital (leverage) ratio | 12.6533% | 1,432 |
| Tier 1 risk-based capital ratio | 14.9132% | 2,912 |
| Total risk-based capital ratio | 16.1648% | 2,842 |
| Memoranda: | ||
| Average total assets | $49,940,500 | 4,897 |
| Average earning assets | $47,239,500 | 4,875 |
| Average equity | $6,149,500 | 4,872 |
| Average total loans | $38,668,000 | 4,577 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3898% | 490 |
| Cost of funding earning assets | 0.7637% | 1,721 |
| Net interest margin | 4.6261% | 569 |
| Noninterest income to average assets | 0.2595% | 4,378 |
| Noninterest expense to average assets | 2.8835% | 2,413 |
| Loan and lease loss provision to assets | 0.1769% | 1,114 |
| Net operating income to assets | 1.1597% | 2,345 |
| Return on assets (ROA) | 1.1597% | 2,347 |
| Pretax return on assets | 1.5450% | 1,639 |
| Return on Equity (ROE) | 9.8751% | 2,562 |
| Retained earnings to average equity (ytd only) | 6.2766% | 2,048 |
| Net charge-offs to loans | -0.0148% | 4,604 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6120% | 3,415 |
| Assets per employee ($millions) | 4.4973% | 3,177 |
| Cash dividends to net income (ytd only)* | 36.4407% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,470 |
| Loan loss allowance to noncurrent loans | 371.1538% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 3,291 |
| Noncurrent loans to loans | 0.3894% | 3,139 |
| Net loans and leases to total assets | 79.8181% | 968 |
| Net loans and leases to deposits | 91.4261% | 1,611 |
| Net loans and leases to core deposits | 97.4987% | 1,909 |
| Total domestic deposits to total assets | 87.3034% | 1,640 |
| Equity capital to assets | 12.3024% | 1,697 |
| Core capital (leverage) ratio | 12.3855% | 1,520 |
| Tier 1 risk-based capital ratio | 14.2134% | 3,200 |
| Total risk-based capital ratio | 15.4644% | 3,123 |
| Memoranda: | ||
| Average total assets | $50,874,800 | 4,919 |
| Average earning assets | $47,794,000 | 4,899 |
| Average equity | $5,974,600 | 4,903 |
| Average total loans | $40,609,200 | 4,535 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 524 |
| Cost of funding earning assets | 0.7290% | 1,688 |
| Net interest margin | 4.5717% | 635 |
| Noninterest income to average assets | 0.2473% | 4,496 |
| Noninterest expense to average assets | 2.6028% | 3,271 |
| Loan and lease loss provision to assets | 0.1744% | 1,059 |
| Net operating income to assets | 1.3066% | 1,832 |
| Return on assets (ROA) | 1.3066% | 1,837 |
| Pretax return on assets | 1.7465% | 1,158 |
| Return on Equity (ROE) | 11.2552% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.9189% | 664 |
| Net charge-offs to loans | 0.1603% | 1,033 |
| Credit loss provision to net charge-offs | 136.7347% | 1,834 |
| Earnings coverage of net charge-offs (x) | 15.0617% | 2,254 |
| Efficiency ratio | 57.5374% | 4,181 |
| Assets per employee ($millions) | 4.8022% | 2,717 |
| Cash dividends to net income (ytd only)* | 2.9881% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,922 |
| Loan loss allowance to noncurrent loans | 130.8094% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 2,044 |
| Noncurrent loans to loans | 0.8772% | 1,949 |
| Net loans and leases to total assets | 81.7053% | 757 |
| Net loans and leases to deposits | 102.1103% | 643 |
| Net loans and leases to core deposits | 109.0532% | 1,097 |
| Total domestic deposits to total assets | 80.0167% | 4,119 |
| Equity capital to assets | 11.6822% | 2,123 |
| Core capital (leverage) ratio | 11.7533% | 1,960 |
| Tier 1 risk-based capital ratio | 13.4366% | 3,662 |
| Total risk-based capital ratio | 14.5163% | 3,662 |
| Memoranda: | ||
| Average total assets | $51,226,000 | 4,967 |
| Average earning assets | $47,916,250 | 4,952 |
| Average equity | $5,946,750 | 4,959 |
| Average total loans | $40,745,250 | 4,572 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1606% | 597 |
| Cost of funding earning assets | 0.6856% | 1,709 |
| Net interest margin | 4.4751% | 730 |
| Noninterest income to average assets | 0.2841% | 4,281 |
| Noninterest expense to average assets | 2.5999% | 3,326 |
| Loan and lease loss provision to assets | 0.1775% | 1,020 |
| Net operating income to assets | 1.2585% | 1,944 |
| Return on assets (ROA) | 1.2585% | 1,943 |
| Pretax return on assets | 1.7044% | 1,202 |
| Return on Equity (ROE) | 10.8651% | 2,172 |
| Retained earnings to average equity (ytd only) | 10.5245% | 784 |
| Net charge-offs to loans | -0.0603% | 4,981 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0106% | 4,234 |
| Assets per employee ($millions) | 4.6569% | 2,874 |
| Cash dividends to net income (ytd only)* | 3.1348% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,260 |
| Loan loss allowance to noncurrent loans | 47.7493% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 2.2118% | 440 |
| Noncurrent loans to loans | 2.6843% | 455 |
| Net loans and leases to total assets | 81.3396% | 803 |
| Net loans and leases to deposits | 96.3198% | 1,111 |
| Net loans and leases to core deposits | 102.7090% | 1,512 |
| Total domestic deposits to total assets | 84.4474% | 2,899 |
| Equity capital to assets | 11.7343% | 2,032 |
| Core capital (leverage) ratio | 11.7579% | 1,866 |
| Tier 1 risk-based capital ratio | 13.1035% | 3,846 |
| Total risk-based capital ratio | 14.2737% | 3,798 |
| Memoranda: | ||
| Average total assets | $50,693,330 | 5,034 |
| Average earning assets | $47,552,330 | 5,013 |
| Average equity | $5,872,000 | 5,018 |
| Average total loans | $39,773,330 | 4,647 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 818 |
| Cost of funding earning assets | 0.6715% | 1,592 |
| Net interest margin | 4.2582% | 1,026 |
| Noninterest income to average assets | 0.3252% | 3,982 |
| Noninterest expense to average assets | 2.5463% | 3,508 |
| Loan and lease loss provision to assets | 0.1824% | 938 |
| Net operating income to assets | 1.1422% | 2,249 |
| Return on assets (ROA) | 1.1422% | 2,262 |
| Pretax return on assets | 1.5706% | 1,473 |
| Return on Equity (ROE) | 9.9268% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.5821% | 1,290 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2251% | 4,176 |
| Assets per employee ($millions) | 4.6900% | 2,871 |
| Cash dividends to net income (ytd only)* | 3.4722% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,085 |
| Loan loss allowance to noncurrent loans | 125.8706% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 2,017 |
| Noncurrent loans to loans | 1.0596% | 1,730 |
| Net loans and leases to total assets | 72.5606% | 2,081 |
| Net loans and leases to deposits | 82.1696% | 2,575 |
| Net loans and leases to core deposits | 87.3137% | 2,692 |
| Total domestic deposits to total assets | 88.3059% | 1,458 |
| Equity capital to assets | 11.3355% | 2,267 |
| Core capital (leverage) ratio | 11.5639% | 1,964 |
| Tier 1 risk-based capital ratio | 13.8323% | 3,481 |
| Total risk-based capital ratio | 15.0187% | 3,412 |
| Memoranda: | ||
| Average total assets | $50,427,000 | 5,103 |
| Average earning assets | $47,062,000 | 5,078 |
| Average equity | $5,802,500 | 5,086 |
| Average total loans | $38,556,000 | 4,737 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 592 |
| Cost of funding earning assets | 0.6929% | 1,068 |
| Net interest margin | 4.3534% | 853 |
| Noninterest income to average assets | 0.3173% | 4,193 |
| Noninterest expense to average assets | 2.7693% | 2,894 |
| Loan and lease loss provision to assets | 0.1807% | 1,187 |
| Net operating income to assets | 0.9117% | 2,649 |
| Return on assets (ROA) | 0.9117% | 2,676 |
| Pretax return on assets | 1.4298% | 1,884 |
| Return on Equity (ROE) | 8.1231% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.9601% | 1,093 |
| Net charge-offs to loans | -0.2890% | 5,560 |
| Credit loss provision to net charge-offs | -81.0811% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2279% | 3,729 |
| Assets per employee ($millions) | 4.4785% | 3,217 |
| Cash dividends to net income (ytd only)* | 14.3172% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,580 |
| Loan loss allowance to noncurrent loans | 100.6250% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 1,589 |
| Noncurrent loans to loans | 1.2254% | 1,442 |
| Net loans and leases to total assets | 78.5340% | 1,214 |
| Net loans and leases to deposits | 89.3222% | 1,854 |
| Net loans and leases to core deposits | 95.1853% | 2,099 |
| Total domestic deposits to total assets | 87.9222% | 1,546 |
| Equity capital to assets | 11.6860% | 2,046 |
| Core capital (leverage) ratio | 11.3520% | 2,058 |
| Tier 1 risk-based capital ratio | 13.4451% | 3,658 |
| Total risk-based capital ratio | 14.5747% | 3,639 |
| Memoranda: | ||
| Average total assets | $49,795,800 | 5,162 |
| Average earning assets | $46,469,000 | 5,139 |
| Average equity | $5,589,000 | 5,168 |
| Average total loans | $38,414,600 | 4,778 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 700 |
| Cost of funding earning assets | 0.6845% | 1,043 |
| Net interest margin | 4.2533% | 1,040 |
| Noninterest income to average assets | 0.3391% | 4,111 |
| Noninterest expense to average assets | 2.5262% | 3,645 |
| Loan and lease loss provision to assets | 0.1602% | 1,284 |
| Net operating income to assets | 1.0895% | 2,135 |
| Return on assets (ROA) | 1.0895% | 2,191 |
| Pretax return on assets | 1.6183% | 1,354 |
| Return on Equity (ROE) | 9.8069% | 2,202 |
| Retained earnings to average equity (ytd only) | 9.4464% | 723 |
| Net charge-offs to loans | -0.5999% | 5,669 |
| Credit loss provision to net charge-offs | -34.8837% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6849% | 4,406 |
| Assets per employee ($millions) | 4.6875% | 2,852 |
| Cash dividends to net income (ytd only)* | 3.6765% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,756 |
| Loan loss allowance to noncurrent loans | 80.7210% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 1,202 |
| Noncurrent loans to loans | 1.5206% | 1,226 |
| Net loans and leases to total assets | 80.3696% | 929 |
| Net loans and leases to deposits | 98.9234% | 832 |
| Net loans and leases to core deposits | 104.9245% | 1,338 |
| Total domestic deposits to total assets | 81.2443% | 3,984 |
| Equity capital to assets | 11.2154% | 2,653 |
| Core capital (leverage) ratio | 11.4090% | 2,090 |
| Tier 1 risk-based capital ratio | 12.5762% | 4,271 |
| Total risk-based capital ratio | 13.7020% | 4,257 |
| Memoranda: | ||
| Average total assets | $49,928,750 | 5,213 |
| Average earning assets | $46,550,500 | 5,189 |
| Average equity | $5,547,000 | 5,233 |
| Average total loans | $38,225,250 | 4,833 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 1,186 |
| Cost of funding earning assets | 0.6760% | 1,010 |
| Net interest margin | 3.9599% | 1,740 |
| Noninterest income to average assets | 0.1782% | 5,163 |
| Noninterest expense to average assets | 2.5514% | 3,576 |
| Loan and lease loss provision to assets | 0.1215% | 1,706 |
| Net operating income to assets | 0.8464% | 3,171 |
| Return on assets (ROA) | 0.8464% | 3,217 |
| Pretax return on assets | 1.1826% | 2,838 |
| Return on Equity (ROE) | 7.6440% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.2783% | 1,461 |
| Net charge-offs to loans | -0.5030% | 5,692 |
| Credit loss provision to net charge-offs | -32.2581% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1765% | 3,324 |
| Assets per employee ($millions) | 4.5564% | 3,022 |
| Cash dividends to net income (ytd only)* | 4.7847% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 4,052 |
| Loan loss allowance to noncurrent loans | 28.0387% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.9868% | 309 |
| Noncurrent loans to loans | 3.6212% | 298 |
| Net loans and leases to total assets | 78.9725% | 1,096 |
| Net loans and leases to deposits | 90.0366% | 1,723 |
| Net loans and leases to core deposits | 95.2268% | 2,050 |
| Total domestic deposits to total assets | 87.7115% | 1,611 |
| Equity capital to assets | 11.1552% | 2,650 |
| Core capital (leverage) ratio | 11.1029% | 2,312 |
| Tier 1 risk-based capital ratio | 12.6453% | 4,215 |
| Total risk-based capital ratio | 13.5688% | 4,307 |
| Memoranda: | ||
| Average total assets | $49,384,000 | 5,263 |
| Average earning assets | $45,859,330 | 5,242 |
| Average equity | $5,468,330 | 5,281 |
| Average total loans | $36,981,670 | 4,900 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 1,635 |
| Cost of funding earning assets | 0.6756% | 953 |
| Net interest margin | 3.7292% | 2,382 |
| Noninterest income to average assets | 0.1795% | 5,194 |
| Noninterest expense to average assets | 2.7175% | 3,078 |
| Loan and lease loss provision to assets | 0.1224% | 1,566 |
| Net operating income to assets | 0.6365% | 3,997 |
| Return on assets (ROA) | 0.6365% | 4,040 |
| Pretax return on assets | 0.8079% | 4,084 |
| Return on Equity (ROE) | 5.7703% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.4004% | 2,666 |
| Net charge-offs to loans | -1.0485% | 5,783 |
| Credit loss provision to net charge-offs | -16.1290% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4966% | 2,148 |
| Assets per employee ($millions) | 4.5161% | 3,145 |
| Cash dividends to net income (ytd only)* | 6.4103% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,548 |
| Loan loss allowance to noncurrent loans | 22.1339% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 3.6456% | 226 |
| Noncurrent loans to loans | 5.0821% | 158 |
| Net loans and leases to total assets | 69.0078% | 2,526 |
| Net loans and leases to deposits | 77.8866% | 2,984 |
| Net loans and leases to core deposits | 82.4320% | 3,052 |
| Total domestic deposits to total assets | 88.6004% | 1,373 |
| Equity capital to assets | 10.9729% | 2,655 |
| Core capital (leverage) ratio | 10.8721% | 2,513 |
| Tier 1 risk-based capital ratio | 13.5149% | 3,773 |
| Total risk-based capital ratio | 14.4851% | 3,846 |
| Memoranda: | ||
| Average total assets | $49,016,000 | 5,333 |
| Average earning assets | $45,586,000 | 5,302 |
| Average equity | $5,407,000 | 5,339 |
| Average total loans | $35,479,000 | 4,985 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 874 |
| Cost of funding earning assets | 0.6870% | 875 |
| Net interest margin | 4.1223% | 1,329 |
| Noninterest income to average assets | 0.3070% | 4,544 |
| Noninterest expense to average assets | 2.4055% | 4,290 |
| Loan and lease loss provision to assets | 0.0939% | 2,483 |
| Net operating income to assets | 1.0209% | 2,258 |
| Return on assets (ROA) | 1.0209% | 2,366 |
| Pretax return on assets | 1.6564% | 1,117 |
| Return on Equity (ROE) | 10.0369% | 1,945 |
| Retained earnings to average equity (ytd only) | 9.1717% | 550 |
| Net charge-offs to loans | 0.5216% | 463 |
| Credit loss provision to net charge-offs | 23.8806% | 3,644 |
| Earnings coverage of net charge-offs (x) | 4.4527% | 3,501 |
| Efficiency ratio | 57.8824% | 4,866 |
| Assets per employee ($millions) | 4.8355% | 2,596 |
| Cash dividends to net income (ytd only)* | 8.6207% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 5,160 |
| Loan loss allowance to noncurrent loans | 19.1734% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 3.0524% | 324 |
| Noncurrent loans to loans | 4.0676% | 250 |
| Net loans and leases to total assets | 74.4577% | 1,774 |
| Net loans and leases to deposits | 84.2672% | 2,383 |
| Net loans and leases to core deposits | 88.9911% | 2,588 |
| Total domestic deposits to total assets | 88.3590% | 1,461 |
| Equity capital to assets | 11.0909% | 2,549 |
| Core capital (leverage) ratio | 10.8239% | 2,512 |
| Tier 1 risk-based capital ratio | 12.9741% | 4,097 |
| Total risk-based capital ratio | 13.6591% | 4,323 |
| Memoranda: | ||
| Average total assets | $51,133,800 | 5,323 |
| Average earning assets | $47,740,400 | 5,294 |
| Average equity | $5,200,800 | 5,434 |
| Average total loans | $38,535,200 | 4,926 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 935 |
| Cost of funding earning assets | 0.6808% | 900 |
| Net interest margin | 4.1015% | 1,383 |
| Noninterest income to average assets | 0.3241% | 4,456 |
| Noninterest expense to average assets | 2.1558% | 4,878 |
| Loan and lease loss provision to assets | 0.0849% | 2,523 |
| Net operating income to assets | 1.2220% | 1,554 |
| Return on assets (ROA) | 1.2220% | 1,653 |
| Pretax return on assets | 1.9114% | 690 |
| Return on Equity (ROE) | 12.2730% | 1,242 |
| Retained earnings to average equity (ytd only) | 11.8855% | 317 |
| Net charge-offs to loans | 0.4502% | 468 |
| Credit loss provision to net charge-offs | 25.0000% | 3,261 |
| Earnings coverage of net charge-offs (x) | 5.8786% | 3,069 |
| Efficiency ratio | 51.9207% | 5,392 |
| Assets per employee ($millions) | 5.0876% | 2,269 |
| Cash dividends to net income (ytd only)* | 3.1580% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,989 |
| Loan loss allowance to noncurrent loans | 18.2907% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 3.6422% | 258 |
| Noncurrent loans to loans | 4.7259% | 193 |
| Net loans and leases to total assets | 75.7430% | 1,567 |
| Net loans and leases to deposits | 91.3022% | 1,598 |
| Net loans and leases to core deposits | 96.4871% | 1,945 |
| Total domestic deposits to total assets | 82.9586% | 3,618 |
| Equity capital to assets | 10.6180% | 3,440 |
| Core capital (leverage) ratio | 10.4333% | 3,067 |
| Tier 1 risk-based capital ratio | 12.4895% | 4,488 |
| Total risk-based capital ratio | 13.2749% | 4,673 |
| Memoranda: | ||
| Average total assets | $51,828,500 | 5,363 |
| Average earning assets | $48,371,000 | 5,331 |
| Average equity | $5,160,250 | 5,495 |
| Average total loans | $39,097,250 | 4,954 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,065 |
| Cost of funding earning assets | 0.6813% | 883 |
| Net interest margin | 4.0095% | 1,616 |
| Noninterest income to average assets | 0.3720% | 4,088 |
| Noninterest expense to average assets | 2.0941% | 5,069 |
| Loan and lease loss provision to assets | 0.0690% | 2,757 |
| Net operating income to assets | 1.2503% | 1,422 |
| Return on assets (ROA) | 1.2503% | 1,534 |
| Pretax return on assets | 1.9560% | 627 |
| Return on Equity (ROE) | 12.8355% | 1,071 |
| Retained earnings to average equity (ytd only) | 12.4418% | 276 |
| Net charge-offs to loans | 0.3165% | 747 |
| Credit loss provision to net charge-offs | 29.0323% | 2,867 |
| Earnings coverage of net charge-offs (x) | 8.5161% | 2,511 |
| Efficiency ratio | 50.8380% | 5,515 |
| Assets per employee ($millions) | 5.0700% | 2,234 |
| Cash dividends to net income (ytd only)* | 3.0675% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 4,541 |
| Loan loss allowance to noncurrent loans | 40.0818% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.9606% | 838 |
| Noncurrent loans to loans | 2.4901% | 707 |
| Net loans and leases to total assets | 76.6923% | 1,386 |
| Net loans and leases to deposits | 92.7353% | 1,430 |
| Net loans and leases to core deposits | 98.0384% | 1,802 |
| Total domestic deposits to total assets | 82.7002% | 3,761 |
| Equity capital to assets | 10.3866% | 3,752 |
| Core capital (leverage) ratio | 10.2855% | 3,220 |
| Tier 1 risk-based capital ratio | 12.1529% | 4,730 |
| Total risk-based capital ratio | 13.0692% | 4,840 |
| Memoranda: | ||
| Average total assets | $52,146,000 | 5,415 |
| Average earning assets | $48,733,670 | 5,383 |
| Average equity | $5,079,670 | 5,567 |
| Average total loans | $39,172,670 | 4,997 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,132 |
| Cost of funding earning assets | 0.6944% | 826 |
| Net interest margin | 3.9622% | 1,735 |
| Noninterest income to average assets | 0.2043% | 5,274 |
| Noninterest expense to average assets | 2.0730% | 5,167 |
| Loan and lease loss provision to assets | 0.0681% | 2,595 |
| Net operating income to assets | 1.1122% | 1,859 |
| Return on assets (ROA) | 1.1122% | 1,960 |
| Pretax return on assets | 1.7326% | 983 |
| Return on Equity (ROE) | 11.7918% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.3908% | 592 |
| Net charge-offs to loans | 0.0102% | 2,782 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 238.0000% | 261 |
| Efficiency ratio | 53.5156% | 5,425 |
| Assets per employee ($millions) | 5.2313% | 2,105 |
| Cash dividends to net income (ytd only)* | 3.4014% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,927 |
| Loan loss allowance to noncurrent loans | 85.5491% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 2,002 |
| Noncurrent loans to loans | 1.3126% | 1,825 |
| Net loans and leases to total assets | 74.7348% | 1,610 |
| Net loans and leases to deposits | 89.2216% | 1,672 |
| Net loans and leases to core deposits | 94.0757% | 1,982 |
| Total domestic deposits to total assets | 83.7631% | 3,615 |
| Equity capital to assets | 9.6936% | 4,456 |
| Core capital (leverage) ratio | 9.6950% | 3,919 |
| Tier 1 risk-based capital ratio | 11.3536% | 5,308 |
| Total risk-based capital ratio | 12.3568% | 5,361 |
| Memoranda: | ||
| Average total assets | $52,869,000 | 5,450 |
| Average earning assets | $48,962,500 | 5,429 |
| Average equity | $4,986,500 | 5,626 |
| Average total loans | $39,121,500 | 5,043 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,219 |
| Cost of funding earning assets | 0.7381% | 678 |
| Net interest margin | 3.9092% | 1,995 |
| Noninterest income to average assets | 0.2393% | 5,167 |
| Noninterest expense to average assets | 2.0919% | 5,269 |
| Loan and lease loss provision to assets | 0.0701% | 2,882 |
| Net operating income to assets | 1.0956% | 1,949 |
| Return on assets (ROA) | 1.0956% | 2,017 |
| Pretax return on assets | 1.7260% | 942 |
| Return on Equity (ROE) | 12.1457% | 1,266 |
| Retained earnings to average equity (ytd only) | 11.4985% | 292 |
| Net charge-offs to loans | 0.0478% | 3,250 |
| Credit loss provision to net charge-offs | 211.7647% | 1,335 |
| Earnings coverage of net charge-offs (x) | 54.2941% | 946 |
| Efficiency ratio | 53.8038% | 5,533 |
| Assets per employee ($millions) | 5.3425% | 1,960 |
| Cash dividends to net income (ytd only)* | 5.3286% | 4,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 3,889 |
| Loan loss allowance to noncurrent loans | 104.5564% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 2,442 |
| Noncurrent loans to loans | 1.0774% | 2,188 |
| Net loans and leases to total assets | 71.6275% | 2,121 |
| Net loans and leases to deposits | 88.0227% | 1,873 |
| Net loans and leases to core deposits | 92.8180% | 2,148 |
| Total domestic deposits to total assets | 81.3739% | 4,381 |
| Equity capital to assets | 9.1755% | 4,938 |
| Core capital (leverage) ratio | 9.1882% | 4,632 |
| Tier 1 risk-based capital ratio | 11.4600% | 5,277 |
| Total risk-based capital ratio | 12.4833% | 5,304 |
| Memoranda: | ||
| Average total assets | $51,389,600 | 5,516 |
| Average earning assets | $47,963,600 | 5,482 |
| Average equity | $4,635,400 | 5,734 |
| Average total loans | $35,561,600 | 5,172 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 1,561 |
| Cost of funding earning assets | 0.7492% | 652 |
| Net interest margin | 3.7628% | 2,515 |
| Noninterest income to average assets | 0.2568% | 5,102 |
| Noninterest expense to average assets | 1.9994% | 5,480 |
| Loan and lease loss provision to assets | 0.0708% | 2,769 |
| Net operating income to assets | 1.0796% | 2,099 |
| Return on assets (ROA) | 1.0796% | 2,181 |
| Pretax return on assets | 1.7138% | 1,066 |
| Return on Equity (ROE) | 12.0234% | 1,367 |
| Retained earnings to average equity (ytd only) | 11.5857% | 406 |
| Net charge-offs to loans | 0.0613% | 2,719 |
| Credit loss provision to net charge-offs | 168.7500% | 1,542 |
| Earnings coverage of net charge-offs (x) | 42.5682% | 1,178 |
| Efficiency ratio | 52.8393% | 5,593 |
| Assets per employee ($millions) | 5.9554% | 1,405 |
| Cash dividends to net income (ytd only)* | 3.6409% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 4,287 |
| Loan loss allowance to noncurrent loans | 132.9193% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 3,128 |
| Noncurrent loans to loans | 0.8199% | 2,917 |
| Net loans and leases to total assets | 72.4696% | 1,986 |
| Net loans and leases to deposits | 93.0951% | 1,292 |
| Net loans and leases to core deposits | 99.0186% | 1,604 |
| Total domestic deposits to total assets | 77.8447% | 5,215 |
| Equity capital to assets | 8.9442% | 5,359 |
| Core capital (leverage) ratio | 9.0459% | 4,940 |
| Tier 1 risk-based capital ratio | 10.9953% | 5,661 |
| Total risk-based capital ratio | 11.9890% | 5,720 |
| Memoranda: | ||
| Average total assets | $50,880,750 | 5,594 |
| Average earning assets | $47,694,000 | 5,560 |
| Average equity | $4,568,750 | 5,827 |
| Average total loans | $34,776,250 | 5,256 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 1,863 |
| Cost of funding earning assets | 0.7618% | 606 |
| Net interest margin | 3.6334% | 2,968 |
| Noninterest income to average assets | 0.2841% | 4,929 |
| Noninterest expense to average assets | 2.0330% | 5,467 |
| Loan and lease loss provision to assets | 0.0720% | 2,669 |
| Net operating income to assets | 0.9845% | 2,478 |
| Return on assets (ROA) | 0.9845% | 2,585 |
| Pretax return on assets | 1.5768% | 1,397 |
| Return on Equity (ROE) | 10.9487% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.5037% | 580 |
| Net charge-offs to loans | 0.0962% | 2,054 |
| Credit loss provision to net charge-offs | 112.5000% | 1,894 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,511 |
| Efficiency ratio | 55.2174% | 5,497 |
| Assets per employee ($millions) | 5.7361% | 1,540 |
| Cash dividends to net income (ytd only)* | 4.0650% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 4,243 |
| Loan loss allowance to noncurrent loans | 124.7024% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 3,093 |
| Noncurrent loans to loans | 0.8948% | 2,891 |
| Net loans and leases to total assets | 71.9245% | 1,992 |
| Net loans and leases to deposits | 84.6252% | 2,235 |
| Net loans and leases to core deposits | 89.7296% | 2,377 |
| Total domestic deposits to total assets | 84.9918% | 3,124 |
| Equity capital to assets | 8.9317% | 5,299 |
| Core capital (leverage) ratio | 9.1182% | 4,794 |
| Tier 1 risk-based capital ratio | 11.1756% | 5,630 |
| Total risk-based capital ratio | 12.1966% | 5,652 |
| Memoranda: | ||
| Average total assets | $49,974,670 | 5,668 |
| Average earning assets | $46,732,670 | 5,642 |
| Average equity | $4,493,670 | 5,897 |
| Average total loans | $33,278,000 | 5,354 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 2,409 |
| Cost of funding earning assets | 0.7808% | 564 |
| Net interest margin | 3.4304% | 3,714 |
| Noninterest income to average assets | 0.2848% | 4,894 |
| Noninterest expense to average assets | 2.0753% | 5,438 |
| Loan and lease loss provision to assets | 0.0732% | 2,474 |
| Net operating income to assets | 0.8057% | 3,234 |
| Return on assets (ROA) | 0.8057% | 3,356 |
| Pretax return on assets | 1.3184% | 2,206 |
| Return on Equity (ROE) | 8.9290% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.4780% | 1,384 |
| Net charge-offs to loans | 0.2055% | 1,114 |
| Credit loss provision to net charge-offs | 56.2500% | 2,041 |
| Earnings coverage of net charge-offs (x) | 10.6875% | 1,916 |
| Efficiency ratio | 59.8592% | 5,109 |
| Assets per employee ($millions) | 5.5173% | 1,780 |
| Cash dividends to net income (ytd only)* | 5.0505% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 3,171 |
| Loan loss allowance to noncurrent loans | 133.1169% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 3,274 |
| Noncurrent loans to loans | 1.0097% | 2,741 |
| Net loans and leases to total assets | 60.6050% | 3,571 |
| Net loans and leases to deposits | 67.0126% | 4,049 |
| Net loans and leases to core deposits | 70.4464% | 4,109 |
| Total domestic deposits to total assets | 90.4382% | 550 |
| Equity capital to assets | 9.0583% | 5,226 |
| Core capital (leverage) ratio | 9.1094% | 4,835 |
| Tier 1 risk-based capital ratio | 13.1752% | 4,518 |
| Total risk-based capital ratio | 14.3908% | 4,449 |
| Memoranda: | ||
| Average total assets | $49,149,500 | 5,740 |
| Average earning assets | $45,592,500 | 5,720 |
| Average equity | $4,435,000 | 5,960 |
| Average total loans | $31,142,000 | 5,469 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,470 |
| Cost of funding earning assets | 0.8482% | 512 |
| Net interest margin | 3.4890% | 3,841 |
| Noninterest income to average assets | 0.2781% | 5,125 |
| Noninterest expense to average assets | 2.1582% | 5,436 |
| Loan and lease loss provision to assets | 0.0753% | 2,977 |
| Net operating income to assets | 0.8449% | 3,140 |
| Return on assets (ROA) | 0.8449% | 3,239 |
| Pretax return on assets | 1.3050% | 2,227 |
| Return on Equity (ROE) | 9.6558% | 2,270 |
| Retained earnings to average equity (ytd only) | 8.9388% | 720 |
| Net charge-offs to loans | 0.0228% | 4,383 |
| Credit loss provision to net charge-offs | 514.2857% | 509 |
| Earnings coverage of net charge-offs (x) | 94.2857% | 554 |
| Efficiency ratio | 60.9929% | 5,071 |
| Assets per employee ($millions) | 5.4048% | 1,859 |
| Cash dividends to net income (ytd only)* | 7.4257% | 4,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 3,353 |
| Loan loss allowance to noncurrent loans | 67.2581% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 1,993 |
| Noncurrent loans to loans | 1.9509% | 1,438 |
| Net loans and leases to total assets | 64.4759% | 3,148 |
| Net loans and leases to deposits | 71.1922% | 3,769 |
| Net loans and leases to core deposits | 74.8878% | 3,830 |
| Total domestic deposits to total assets | 90.5660% | 513 |
| Equity capital to assets | 8.9879% | 5,307 |
| Core capital (leverage) ratio | 9.0422% | 4,923 |
| Tier 1 risk-based capital ratio | 12.0719% | 5,313 |
| Total risk-based capital ratio | 13.1931% | 5,304 |
| Memoranda: | ||
| Average total assets | $47,816,800 | 5,836 |
| Average earning assets | $44,683,600 | 5,811 |
| Average equity | $4,184,000 | 6,053 |
| Average total loans | $30,694,600 | 5,541 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 2,558 |
| Cost of funding earning assets | 0.8506% | 541 |
| Net interest margin | 3.4654% | 3,962 |
| Noninterest income to average assets | 0.2744% | 5,244 |
| Noninterest expense to average assets | 2.0667% | 5,646 |
| Loan and lease loss provision to assets | 0.0756% | 2,832 |
| Net operating income to assets | 0.8653% | 3,099 |
| Return on assets (ROA) | 0.8653% | 3,187 |
| Pretax return on assets | 1.3722% | 2,111 |
| Return on Equity (ROE) | 9.9587% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.4752% | 849 |
| Net charge-offs to loans | 0.0307% | 3,872 |
| Credit loss provision to net charge-offs | 385.7143% | 732 |
| Earnings coverage of net charge-offs (x) | 73.8821% | 747 |
| Efficiency ratio | 58.8048% | 5,335 |
| Assets per employee ($millions) | 4.7181% | 2,641 |
| Cash dividends to net income (ytd only)* | 4.8545% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 3,750 |
| Loan loss allowance to noncurrent loans | 63.2558% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 2,061 |
| Noncurrent loans to loans | 2.0256% | 1,561 |
| Net loans and leases to total assets | 66.6243% | 2,750 |
| Net loans and leases to deposits | 74.7041% | 3,340 |
| Net loans and leases to core deposits | 78.7741% | 3,466 |
| Total domestic deposits to total assets | 89.1842% | 1,135 |
| Equity capital to assets | 9.0990% | 5,253 |
| Core capital (leverage) ratio | 9.0483% | 5,004 |
| Tier 1 risk-based capital ratio | 11.8998% | 5,553 |
| Total risk-based capital ratio | 13.0285% | 5,547 |
| Memoranda: | ||
| Average total assets | $47,610,250 | 5,909 |
| Average earning assets | $44,515,750 | 5,880 |
| Average equity | $4,137,000 | 6,125 |
| Average total loans | $30,423,250 | 5,601 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 2,980 |
| Cost of funding earning assets | 0.8410% | 581 |
| Net interest margin | 3.3506% | 4,401 |
| Noninterest income to average assets | 0.3015% | 4,995 |
| Noninterest expense to average assets | 2.0229% | 5,794 |
| Loan and lease loss provision to assets | 0.0754% | 2,768 |
| Net operating income to assets | 0.8125% | 3,268 |
| Return on assets (ROA) | 0.8125% | 3,372 |
| Pretax return on assets | 1.3402% | 2,116 |
| Return on Equity (ROE) | 9.4982% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.0086% | 983 |
| Net charge-offs to loans | 0.0467% | 3,313 |
| Credit loss provision to net charge-offs | 257.1429% | 972 |
| Earnings coverage of net charge-offs (x) | 48.2857% | 928 |
| Efficiency ratio | 58.8307% | 5,457 |
| Assets per employee ($millions) | 5.3152% | 1,864 |
| Cash dividends to net income (ytd only)* | 5.1546% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,026 |
| Loan loss allowance to noncurrent loans | 96.1446% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 3,078 |
| Noncurrent loans to loans | 1.3209% | 2,602 |
| Net loans and leases to total assets | 64.8452% | 2,936 |
| Net loans and leases to deposits | 71.4286% | 3,645 |
| Net loans and leases to core deposits | 75.1927% | 3,713 |
| Total domestic deposits to total assets | 90.7833% | 478 |
| Equity capital to assets | 8.7735% | 5,542 |
| Core capital (leverage) ratio | 8.5895% | 5,541 |
| Tier 1 risk-based capital ratio | 11.6253% | 5,728 |
| Total risk-based capital ratio | 12.7375% | 5,761 |
| Memoranda: | ||
| Average total assets | $47,753,330 | 5,959 |
| Average earning assets | $44,708,330 | 5,924 |
| Average equity | $4,085,000 | 6,182 |
| Average total loans | $29,950,330 | 5,658 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,245 |
| Cost of funding earning assets | 0.8288% | 643 |
| Net interest margin | 3.2796% | 4,622 |
| Noninterest income to average assets | 0.2850% | 5,089 |
| Noninterest expense to average assets | 1.9199% | 6,034 |
| Loan and lease loss provision to assets | 0.0755% | 2,631 |
| Net operating income to assets | 0.8887% | 2,709 |
| Return on assets (ROA) | 0.8887% | 2,775 |
| Pretax return on assets | 1.3749% | 1,836 |
| Return on Equity (ROE) | 10.5237% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.0273% | 955 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9652% | 5,758 |
| Assets per employee ($millions) | 5.4921% | 1,718 |
| Cash dividends to net income (ytd only)* | 4.7170% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,650 |
| Loan loss allowance to noncurrent loans | 128.0645% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 3,652 |
| Noncurrent loans to loans | 1.0868% | 3,244 |
| Net loans and leases to total assets | 56.9038% | 4,017 |
| Net loans and leases to deposits | 62.3285% | 4,515 |
| Net loans and leases to core deposits | 65.4725% | 4,553 |
| Total domestic deposits to total assets | 91.2966% | 449 |
| Equity capital to assets | 8.2644% | 5,852 |
| Core capital (leverage) ratio | 8.4863% | 5,664 |
| Tier 1 risk-based capital ratio | 12.0081% | 5,640 |
| Total risk-based capital ratio | 13.0714% | 5,685 |
| Memoranda: | ||
| Average total assets | $47,711,500 | 6,013 |
| Average earning assets | $44,884,000 | 5,973 |
| Average equity | $4,029,000 | 6,245 |
| Average total loans | $29,216,000 | 5,740 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 2,113 |
| Cost of funding earning assets | 0.8866% | 795 |
| Net interest margin | 3.6384% | 3,290 |
| Noninterest income to average assets | 0.3819% | 4,577 |
| Noninterest expense to average assets | 2.3644% | 5,186 |
| Loan and lease loss provision to assets | 0.0849% | 3,415 |
| Net operating income to assets | 0.9406% | 2,603 |
| Return on assets (ROA) | 0.9406% | 2,682 |
| Pretax return on assets | 1.3767% | 1,873 |
| Return on Equity (ROE) | 10.4074% | 1,952 |
| Retained earnings to average equity (ytd only) | 9.7553% | 606 |
| Net charge-offs to loans | 0.1323% | 3,482 |
| Credit loss provision to net charge-offs | 97.2973% | 2,553 |
| Earnings coverage of net charge-offs (x) | 16.7568% | 1,773 |
| Efficiency ratio | 61.7991% | 5,244 |
| Assets per employee ($millions) | 5.1104% | 2,057 |
| Cash dividends to net income (ytd only)* | 6.2657% | 4,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 4,157 |
| Loan loss allowance to noncurrent loans | 125.1613% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 3,662 |
| Noncurrent loans to loans | 1.0365% | 3,437 |
| Net loans and leases to total assets | 64.1823% | 3,011 |
| Net loans and leases to deposits | 70.5528% | 3,719 |
| Net loans and leases to core deposits | 74.8137% | 3,759 |
| Total domestic deposits to total assets | 90.9706% | 584 |
| Equity capital to assets | 8.6381% | 5,440 |
| Core capital (leverage) ratio | 8.6759% | 5,441 |
| Tier 1 risk-based capital ratio | 11.4434% | 5,934 |
| Total risk-based capital ratio | 12.5342% | 5,975 |
| Memoranda: | ||
| Average total assets | $42,420,800 | 6,211 |
| Average earning assets | $40,155,000 | 6,165 |
| Average equity | $3,833,800 | 6,367 |
| Average total loans | $27,967,800 | 5,845 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 2,074 |
| Cost of funding earning assets | 0.9027% | 802 |
| Net interest margin | 3.6379% | 3,287 |
| Noninterest income to average assets | 0.3724% | 4,731 |
| Noninterest expense to average assets | 2.1993% | 5,606 |
| Loan and lease loss provision to assets | 0.0867% | 3,329 |
| Net operating income to assets | 0.9825% | 2,457 |
| Return on assets (ROA) | 0.9825% | 2,557 |
| Pretax return on assets | 1.5283% | 1,527 |
| Return on Equity (ROE) | 10.7394% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.2130% | 746 |
| Net charge-offs to loans | 0.1795% | 2,790 |
| Credit loss provision to net charge-offs | 72.9730% | 3,003 |
| Earnings coverage of net charge-offs (x) | 13.5952% | 2,015 |
| Efficiency ratio | 57.6599% | 5,731 |
| Assets per employee ($millions) | 4.7402% | 2,523 |
| Cash dividends to net income (ytd only)* | 4.9021% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 4,628 |
| Loan loss allowance to noncurrent loans | 106.1625% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 3,517 |
| Noncurrent loans to loans | 1.1797% | 3,460 |
| Net loans and leases to total assets | 70.0436% | 1,957 |
| Net loans and leases to deposits | 77.6317% | 2,724 |
| Net loans and leases to core deposits | 82.7550% | 2,800 |
| Total domestic deposits to total assets | 90.2255% | 877 |
| Equity capital to assets | 9.2096% | 4,925 |
| Core capital (leverage) ratio | 9.1981% | 4,836 |
| Tier 1 risk-based capital ratio | 11.3796% | 6,106 |
| Total risk-based capital ratio | 12.4872% | 6,140 |
| Memoranda: | ||
| Average total assets | $41,527,500 | 6,308 |
| Average earning assets | $39,289,000 | 6,258 |
| Average equity | $3,799,000 | 6,450 |
| Average total loans | $27,482,750 | 5,925 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 2,495 |
| Cost of funding earning assets | 0.8878% | 951 |
| Net interest margin | 3.5309% | 3,652 |
| Noninterest income to average assets | 0.3888% | 4,604 |
| Noninterest expense to average assets | 2.2746% | 5,436 |
| Loan and lease loss provision to assets | 0.0875% | 3,335 |
| Net operating income to assets | 0.9089% | 2,745 |
| Return on assets (ROA) | 0.9089% | 2,884 |
| Pretax return on assets | 1.3901% | 1,972 |
| Return on Equity (ROE) | 9.9583% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.4257% | 989 |
| Net charge-offs to loans | 0.0075% | 4,741 |
| Credit loss provision to net charge-offs | 1,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 167 |
| Efficiency ratio | 60.6218% | 5,388 |
| Assets per employee ($millions) | 4.6044% | 2,641 |
| Cash dividends to net income (ytd only)* | 5.3476% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 4,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 5,766 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.7741% | 2,095 |
| Net loans and leases to deposits | 76.0771% | 2,865 |
| Net loans and leases to core deposits | 81.2452% | 2,889 |
| Total domestic deposits to total assets | 90.4006% | 804 |
| Equity capital to assets | 9.1409% | 5,055 |
| Core capital (leverage) ratio | 8.9033% | 5,138 |
| Tier 1 risk-based capital ratio | 11.4038% | 6,157 |
| Total risk-based capital ratio | 12.4872% | 6,194 |
| Memoranda: | ||
| Average total assets | $41,149,330 | 6,369 |
| Average earning assets | $39,196,670 | 6,307 |
| Average equity | $3,755,670 | 6,503 |
| Average total loans | $26,556,670 | 5,998 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 3,264 |
| Cost of funding earning assets | 0.8833% | 1,067 |
| Net interest margin | 3.3277% | 4,407 |
| Noninterest income to average assets | 0.3609% | 4,780 |
| Noninterest expense to average assets | 2.3217% | 5,362 |
| Loan and lease loss provision to assets | 0.0878% | 3,201 |
| Net operating income to assets | 0.7316% | 3,530 |
| Return on assets (ROA) | 0.7316% | 3,668 |
| Pretax return on assets | 1.1121% | 2,906 |
| Return on Equity (ROE) | 8.0225% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.4876% | 1,946 |
| Net charge-offs to loans | 0.0158% | 3,840 |
| Credit loss provision to net charge-offs | 900.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 312 |
| Efficiency ratio | 65.9280% | 4,676 |
| Assets per employee ($millions) | 4.6573% | 2,719 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 5,852 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 58.8701% | 3,633 |
| Net loans and leases to deposits | 65.0241% | 4,182 |
| Net loans and leases to core deposits | 68.8543% | 4,201 |
| Total domestic deposits to total assets | 90.5358% | 753 |
| Equity capital to assets | 8.9870% | 5,499 |
| Core capital (leverage) ratio | 8.8568% | 5,110 |
| Tier 1 risk-based capital ratio | 12.2568% | 5,751 |
| Total risk-based capital ratio | 13.2913% | 5,846 |
| Memoranda: | ||
| Average total assets | $41,004,000 | 6,436 |
| Average earning assets | $38,945,500 | 6,370 |
| Average equity | $3,739,500 | 6,579 |
| Average total loans | $25,381,500 | 6,103 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 2,080 |
| Cost of funding earning assets | 0.9779% | 1,479 |
| Net interest margin | 3.8548% | 3,004 |
| Noninterest income to average assets | 0.3537% | 4,936 |
| Noninterest expense to average assets | 2.4032% | 5,398 |
| Loan and lease loss provision to assets | 0.0972% | 4,431 |
| Net operating income to assets | 0.9478% | 2,561 |
| Return on assets (ROA) | 0.9478% | 2,812 |
| Pretax return on assets | 1.5040% | 1,663 |
| Return on Equity (ROE) | 9.9074% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.2018% | 760 |
| Net charge-offs to loans | 0.1880% | 3,871 |
| Credit loss provision to net charge-offs | 78.2609% | 3,882 |
| Earnings coverage of net charge-offs (x) | 12.8913% | 1,889 |
| Efficiency ratio | 60.0135% | 5,539 |
| Assets per employee ($millions) | 4.4547% | 3,046 |
| Cash dividends to net income (ytd only)* | 7.1225% | 4,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 3,690 |
| Loan loss allowance to noncurrent loans | 19,450.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 5,911 |
| Noncurrent loans to loans | 0.0078% | 6,556 |
| Net loans and leases to total assets | 63.1074% | 3,035 |
| Net loans and leases to deposits | 69.8788% | 3,730 |
| Net loans and leases to core deposits | 72.5061% | 3,982 |
| Total domestic deposits to total assets | 90.3098% | 794 |
| Equity capital to assets | 9.2587% | 5,199 |
| Core capital (leverage) ratio | 9.5456% | 4,044 |
| Tier 1 risk-based capital ratio | 12.2434% | 5,634 |
| Total risk-based capital ratio | 13.3342% | 5,695 |
| Memoranda: | ||
| Average total assets | $37,034,200 | 6,582 |
| Average earning assets | $35,073,600 | 6,530 |
| Average equity | $3,542,800 | 6,681 |
| Average total loans | $24,467,200 | 6,222 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 2,423 |
| Cost of funding earning assets | 1.0003% | 1,558 |
| Net interest margin | 3.7909% | 3,376 |
| Noninterest income to average assets | 0.3639% | 4,914 |
| Noninterest expense to average assets | 2.3527% | 5,536 |
| Loan and lease loss provision to assets | 0.0882% | 4,505 |
| Net operating income to assets | 0.9558% | 2,719 |
| Return on assets (ROA) | 0.9558% | 2,942 |
| Pretax return on assets | 1.5035% | 1,867 |
| Return on Equity (ROE) | 9.9032% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.3318% | 1,116 |
| Net charge-offs to loans | 0.0717% | 4,693 |
| Credit loss provision to net charge-offs | 184.6154% | 1,502 |
| Earnings coverage of net charge-offs (x) | 33.3133% | 1,006 |
| Efficiency ratio | 59.6459% | 5,558 |
| Assets per employee ($millions) | 4.0364% | 3,794 |
| Cash dividends to net income (ytd only)* | 5.7693% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 3,607 |
| Loan loss allowance to noncurrent loans | 149.6350% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9855% | 4,313 |
| Noncurrent loans to loans | 1.0549% | 4,332 |
| Net loans and leases to total assets | 70.3672% | 1,842 |
| Net loans and leases to deposits | 78.8154% | 2,555 |
| Net loans and leases to core deposits | 81.4056% | 3,034 |
| Total domestic deposits to total assets | 89.2810% | 1,254 |
| Equity capital to assets | 10.0501% | 4,424 |
| Core capital (leverage) ratio | 9.6657% | 4,022 |
| Tier 1 risk-based capital ratio | 12.2135% | 5,827 |
| Total risk-based capital ratio | 13.3370% | 5,873 |
| Memoranda: | ||
| Average total assets | $36,269,750 | 6,683 |
| Average earning assets | $34,256,250 | 6,631 |
| Average equity | $3,500,500 | 6,770 |
| Average total loans | $24,161,500 | 6,321 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 3,493 |
| Cost of funding earning assets | 1.0001% | 1,761 |
| Net interest margin | 3.5677% | 4,390 |
| Noninterest income to average assets | 0.3807% | 4,794 |
| Noninterest expense to average assets | 2.3614% | 5,589 |
| Loan and lease loss provision to assets | 0.0662% | 4,808 |
| Net operating income to assets | 0.8386% | 3,204 |
| Return on assets (ROA) | 0.8386% | 3,468 |
| Pretax return on assets | 1.3186% | 2,489 |
| Return on Equity (ROE) | 8.8108% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.2311% | 1,558 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0339% | 5,076 |
| Assets per employee ($millions) | 4.6168% | 2,692 |
| Cash dividends to net income (ytd only)* | 6.5789% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 3,462 |
| Loan loss allowance to noncurrent loans | 275.8389% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 5,197 |
| Noncurrent loans to loans | 0.5943% | 5,325 |
| Net loans and leases to total assets | 66.7677% | 2,509 |
| Net loans and leases to deposits | 74.2592% | 3,248 |
| Net loans and leases to core deposits | 76.6386% | 3,700 |
| Total domestic deposits to total assets | 89.9117% | 973 |
| Equity capital to assets | 9.5684% | 4,952 |
| Core capital (leverage) ratio | 9.3016% | 4,454 |
| Tier 1 risk-based capital ratio | 12.2857% | 5,736 |
| Total risk-based capital ratio | 13.4177% | 5,794 |
| Memoranda: | ||
| Average total assets | $36,250,330 | 6,727 |
| Average earning assets | $34,195,670 | 6,683 |
| Average equity | $3,450,330 | 6,823 |
| Average total loans | $23,557,670 | 6,388 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 4,061 |
| Cost of funding earning assets | 1.0035% | 1,961 |
| Net interest margin | 3.4590% | 4,880 |
| Noninterest income to average assets | 0.3453% | 5,098 |
| Noninterest expense to average assets | 2.5398% | 5,025 |
| Loan and lease loss provision to assets | 0.0668% | 4,574 |
| Net operating income to assets | 0.6572% | 4,095 |
| Return on assets (ROA) | 0.6572% | 4,307 |
| Pretax return on assets | 1.0025% | 3,668 |
| Return on Equity (ROE) | 6.9239% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.3371% | 2,776 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3704% | 3,749 |
| Assets per employee ($millions) | 4.0974% | 3,806 |
| Cash dividends to net income (ytd only)* | 8.4746% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 2,858 |
| Loan loss allowance to noncurrent loans | 352.1739% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 5,527 |
| Noncurrent loans to loans | 0.5236% | 5,617 |
| Net loans and leases to total assets | 58.4646% | 3,960 |
| Net loans and leases to deposits | 64.8441% | 4,502 |
| Net loans and leases to core deposits | 66.9046% | 4,813 |
| Total domestic deposits to total assets | 90.1619% | 999 |
| Equity capital to assets | 9.3147% | 5,073 |
| Core capital (leverage) ratio | 9.1016% | 4,681 |
| Tier 1 risk-based capital ratio | 12.7464% | 5,404 |
| Total risk-based capital ratio | 13.7799% | 5,545 |
| Memoranda: | ||
| Average total assets | $35,908,500 | 6,795 |
| Average earning assets | $33,882,500 | 6,747 |
| Average equity | $3,408,500 | 6,872 |
| Average total loans | $22,801,000 | 6,477 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 3,462 |
| Cost of funding earning assets | 1.1923% | 2,080 |
| Net interest margin | 3.6864% | 4,360 |
| Noninterest income to average assets | 0.3984% | 4,630 |
| Noninterest expense to average assets | 2.6670% | 4,862 |
| Loan and lease loss provision to assets | 0.0714% | 5,727 |
| Net operating income to assets | 0.7403% | 3,291 |
| Return on assets (ROA) | 0.7403% | 3,463 |
| Pretax return on assets | 1.1625% | 2,605 |
| Return on Equity (ROE) | 8.3216% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.0543% | 1,061 |
| Net charge-offs to loans | -0.0138% | 6,917 |
| Credit loss provision to net charge-offs | -800.0000% | 6,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3689% | 4,285 |
| Assets per employee ($millions) | 3.8822% | 4,123 |
| Cash dividends to net income (ytd only)* | 3.2129% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 3,242 |
| Loan loss allowance to noncurrent loans | 343.9655% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 5,544 |
| Noncurrent loans to loans | 0.4908% | 5,729 |
| Net loans and leases to total assets | 66.5083% | 2,687 |
| Net loans and leases to deposits | 73.9687% | 3,503 |
| Net loans and leases to core deposits | 75.7827% | 4,013 |
| Total domestic deposits to total assets | 89.9141% | 1,035 |
| Equity capital to assets | 9.6795% | 4,634 |
| Core capital (leverage) ratio | 9.4521% | 4,109 |
| Tier 1 risk-based capital ratio | 12.5205% | 5,429 |
| Total risk-based capital ratio | 13.6365% | 5,520 |
| Memoranda: | ||
| Average total assets | $33,633,400 | 6,868 |
| Average earning assets | $31,955,600 | 6,810 |
| Average equity | $2,992,200 | 7,009 |
| Average total loans | $21,785,200 | 6,570 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 3,806 |
| Cost of funding earning assets | 1.2304% | 2,120 |
| Net interest margin | 3.6153% | 4,705 |
| Noninterest income to average assets | 0.3723% | 4,889 |
| Noninterest expense to average assets | 2.5980% | 5,086 |
| Loan and lease loss provision to assets | 0.0721% | 5,551 |
| Net operating income to assets | 0.7246% | 3,484 |
| Return on assets (ROA) | 0.7246% | 3,666 |
| Pretax return on assets | 1.1369% | 2,866 |
| Return on Equity (ROE) | 8.3368% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.3368% | 1,373 |
| Net charge-offs to loans | -0.0188% | 6,895 |
| Credit loss provision to net charge-offs | -600.0000% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2440% | 4,271 |
| Assets per employee ($millions) | 3.7069% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 3,189 |
| Loan loss allowance to noncurrent loans | 354.0541% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 5,656 |
| Noncurrent loans to loans | 0.4872% | 5,873 |
| Net loans and leases to total assets | 67.1123% | 2,650 |
| Net loans and leases to deposits | 75.0662% | 3,499 |
| Net loans and leases to core deposits | 77.0077% | 4,049 |
| Total domestic deposits to total assets | 89.4041% | 1,192 |
| Equity capital to assets | 10.0294% | 4,302 |
| Core capital (leverage) ratio | 9.6643% | 3,895 |
| Tier 1 risk-based capital ratio | 12.7919% | 5,258 |
| Total risk-based capital ratio | 13.9175% | 5,334 |
| Memoranda: | ||
| Average total assets | $33,306,750 | 6,948 |
| Average earning assets | $31,642,750 | 6,882 |
| Average equity | $2,894,750 | 7,096 |
| Average total loans | $21,322,250 | 6,659 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 4,453 |
| Cost of funding earning assets | 1.2588% | 2,194 |
| Net interest margin | 3.4602% | 5,322 |
| Noninterest income to average assets | 0.3485% | 5,096 |
| Noninterest expense to average assets | 2.5474% | 5,366 |
| Loan and lease loss provision to assets | 0.0721% | 5,409 |
| Net operating income to assets | 0.6489% | 3,801 |
| Return on assets (ROA) | 0.6489% | 3,932 |
| Pretax return on assets | 1.0154% | 3,181 |
| Return on Equity (ROE) | 7.8708% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.8708% | 1,504 |
| Net charge-offs to loans | -0.0288% | 6,910 |
| Credit loss provision to net charge-offs | -400.0000% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0826% | 4,107 |
| Assets per employee ($millions) | 3.7069% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 3,146 |
| Loan loss allowance to noncurrent loans | 319.8347% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 5,691 |
| Noncurrent loans to loans | 0.5475% | 5,820 |
| Net loans and leases to total assets | 65.0800% | 3,238 |
| Net loans and leases to deposits | 71.5930% | 4,188 |
| Net loans and leases to core deposits | 73.4134% | 4,650 |
| Total domestic deposits to total assets | 90.9028% | 536 |
| Equity capital to assets | 8.5546% | 6,121 |
| Core capital (leverage) ratio | 8.0995% | 6,166 |
| Tier 1 risk-based capital ratio | 11.1600% | 6,409 |
| Total risk-based capital ratio | 12.2711% | 6,500 |
| Memoranda: | ||
| Average total assets | $33,288,330 | 7,006 |
| Average earning assets | $31,617,000 | 6,948 |
| Average equity | $2,744,330 | 7,192 |
| Average total loans | $20,835,330 | 6,753 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 5,310 |
| Cost of funding earning assets | 1.2952% | 2,207 |
| Net interest margin | 3.2126% | 6,032 |
| Noninterest income to average assets | 0.3729% | 4,930 |
| Noninterest expense to average assets | 2.5984% | 5,229 |
| Loan and lease loss provision to assets | 0.0722% | 5,099 |
| Net operating income to assets | 0.4932% | 4,514 |
| Return on assets (ROA) | 0.4932% | 4,599 |
| Pretax return on assets | 0.7458% | 4,117 |
| Return on Equity (ROE) | 6.0978% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.0978% | 2,580 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0563% | 3,158 |
| Assets per employee ($millions) | 3.7872% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 2,774 |
| Loan loss allowance to noncurrent loans | 159.7458% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 5,010 |
| Noncurrent loans to loans | 1.1744% | 4,736 |
| Net loans and leases to total assets | 57.8524% | 4,666 |
| Net loans and leases to deposits | 63.2039% | 5,361 |
| Net loans and leases to core deposits | 64.7501% | 5,645 |
| Total domestic deposits to total assets | 91.5329% | 408 |
| Equity capital to assets | 7.9448% | 6,549 |
| Core capital (leverage) ratio | 7.8593% | 6,408 |
| Tier 1 risk-based capital ratio | 11.6622% | 5,968 |
| Total risk-based capital ratio | 12.7255% | 6,103 |
| Memoranda: | ||
| Average total assets | $33,251,500 | 7,061 |
| Average earning assets | $31,501,000 | 7,002 |
| Average equity | $2,689,500 | 7,244 |
| Average total loans | $20,203,500 | 6,829 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 3,873 |
| Cost of funding earning assets | 1.6223% | 1,941 |
| Net interest margin | 3.5244% | 5,140 |
| Noninterest income to average assets | 0.3578% | 5,246 |
| Noninterest expense to average assets | 2.8957% | 4,242 |
| Loan and lease loss provision to assets | 0.0795% | 6,363 |
| Net operating income to assets | 0.4837% | 4,179 |
| Return on assets (ROA) | 0.4837% | 4,331 |
| Pretax return on assets | 0.7223% | 3,895 |
| Return on Equity (ROE) | 5.5278% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.0891% | 2,998 |
| Net charge-offs to loans | 0.0289% | 6,514 |
| Credit loss provision to net charge-offs | 400.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 580 |
| Efficiency ratio | 78.3154% | 2,650 |
| Assets per employee ($millions) | 3.6020% | 4,702 |
| Cash dividends to net income (ytd only)* | 26.0274% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,754 |
| Loan loss allowance to noncurrent loans | 139.8496% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 4,850 |
| Noncurrent loans to loans | 1.3096% | 4,527 |
| Net loans and leases to total assets | 61.5060% | 4,393 |
| Net loans and leases to deposits | 67.3774% | 5,186 |
| Net loans and leases to core deposits | 69.1174% | 5,536 |
| Total domestic deposits to total assets | 91.2857% | 467 |
| Equity capital to assets | 8.2392% | 6,217 |
| Core capital (leverage) ratio | 8.1365% | 5,934 |
| Tier 1 risk-based capital ratio | 11.5921% | 5,828 |
| Total risk-based capital ratio | 12.6787% | 5,959 |
| Memoranda: | ||
| Average total assets | $30,182,200 | 7,200 |
| Average earning assets | $28,600,600 | 7,142 |
| Average equity | $2,641,200 | 7,365 |
| Average total loans | $20,741,800 | 6,884 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 3,843 |
| Cost of funding earning assets | 1.6864% | 1,943 |
| Net interest margin | 3.5110% | 5,245 |
| Noninterest income to average assets | 0.3601% | 5,282 |
| Noninterest expense to average assets | 2.7680% | 4,607 |
| Loan and lease loss provision to assets | 0.0810% | 6,240 |
| Net operating income to assets | 0.5356% | 4,159 |
| Return on assets (ROA) | 0.5356% | 4,326 |
| Pretax return on assets | 0.8281% | 3,807 |
| Return on Equity (ROE) | 6.0241% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.5054% | 3,343 |
| Net charge-offs to loans | 0.0384% | 6,173 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 33.6663% | 797 |
| Efficiency ratio | 75.2754% | 3,087 |
| Assets per employee ($millions) | 3.4616% | 5,075 |
| Cash dividends to net income (ytd only)* | 25.2111% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 3,109 |
| Loan loss allowance to noncurrent loans | 58.0952% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.2918% | 3,093 |
| Noncurrent loans to loans | 2.9526% | 2,701 |
| Net loans and leases to total assets | 67.3140% | 3,375 |
| Net loans and leases to deposits | 74.2284% | 4,467 |
| Net loans and leases to core deposits | 76.2388% | 5,026 |
| Total domestic deposits to total assets | 90.6850% | 557 |
| Equity capital to assets | 8.6442% | 6,111 |
| Core capital (leverage) ratio | 8.4762% | 5,553 |
| Tier 1 risk-based capital ratio | 11.2246% | 6,166 |
| Total risk-based capital ratio | 12.3359% | 6,293 |
| Memoranda: | ||
| Average total assets | $29,623,250 | 7,306 |
| Average earning assets | $27,987,250 | 7,249 |
| Average equity | $2,633,750 | 7,461 |
| Average total loans | $20,849,500 | 6,966 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 3,897 |
| Cost of funding earning assets | 1.7053% | 2,095 |
| Net interest margin | 3.5054% | 5,228 |
| Noninterest income to average assets | 0.3847% | 5,042 |
| Noninterest expense to average assets | 2.7823% | 4,567 |
| Loan and lease loss provision to assets | 0.0824% | 6,106 |
| Net operating income to assets | 0.5565% | 4,052 |
| Return on assets (ROA) | 0.5565% | 4,197 |
| Pretax return on assets | 0.8244% | 3,799 |
| Return on Equity (ROE) | 6.1974% | 3,699 |
| Retained earnings to average equity (ytd only) | 4.4376% | 3,248 |
| Net charge-offs to loans | 0.0483% | 5,710 |
| Credit loss provision to net charge-offs | 240.0000% | 1,601 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 1,004 |
| Efficiency ratio | 75.4190% | 3,176 |
| Assets per employee ($millions) | 3.3860% | 5,230 |
| Cash dividends to net income (ytd only)* | 28.3951% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 3,173 |
| Loan loss allowance to noncurrent loans | 111.1111% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 5,012 |
| Noncurrent loans to loans | 1.5053% | 4,451 |
| Net loans and leases to total assets | 69.4494% | 3,029 |
| Net loans and leases to deposits | 76.5397% | 4,231 |
| Net loans and leases to core deposits | 78.6590% | 4,848 |
| Total domestic deposits to total assets | 90.7364% | 588 |
| Equity capital to assets | 8.7091% | 5,872 |
| Core capital (leverage) ratio | 8.6997% | 5,074 |
| Tier 1 risk-based capital ratio | 11.1346% | 6,108 |
| Total risk-based capital ratio | 12.2670% | 6,207 |
| Memoranda: | ||
| Average total assets | $29,113,000 | 7,385 |
| Average earning assets | $27,443,670 | 7,318 |
| Average equity | $2,614,000 | 7,522 |
| Average total loans | $20,687,000 | 7,027 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 2,622 |
| Cost of funding earning assets | 1.7660% | 2,032 |
| Net interest margin | 3.7266% | 4,116 |
| Noninterest income to average assets | 0.3236% | 5,564 |
| Noninterest expense to average assets | 2.6730% | 5,042 |
| Loan and lease loss provision to assets | 0.0844% | 5,793 |
| Net operating income to assets | 0.7175% | 3,358 |
| Return on assets (ROA) | 0.7175% | 3,469 |
| Pretax return on assets | 1.0692% | 2,842 |
| Return on Equity (ROE) | 7.8643% | 2,956 |
| Retained earnings to average equity (ytd only) | 5.5513% | 2,842 |
| Net charge-offs to loans | 0.0789% | 4,631 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,154 |
| Efficiency ratio | 69.8529% | 4,334 |
| Assets per employee ($millions) | 3.2731% | 5,602 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 2,913 |
| Loan loss allowance to noncurrent loans | 189.3617% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,924 |
| Noncurrent loans to loans | 0.9199% | 5,475 |
| Net loans and leases to total assets | 68.1716% | 3,347 |
| Net loans and leases to deposits | 75.2191% | 4,545 |
| Net loans and leases to core deposits | 76.5962% | 5,180 |
| Total domestic deposits to total assets | 90.6307% | 682 |
| Equity capital to assets | 8.8499% | 5,466 |
| Core capital (leverage) ratio | 8.7364% | 4,963 |
| Tier 1 risk-based capital ratio | 11.3432% | 5,816 |
| Total risk-based capital ratio | 12.4275% | 5,937 |
| Memoranda: | ||
| Average total assets | $28,432,500 | 7,498 |
| Average earning assets | $26,727,000 | 7,437 |
| Average equity | $2,594,000 | 7,607 |
| Average total loans | $20,268,500 | 7,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0340% | 1,732 |
| Cost of funding earning assets | 1.8499% | 3,734 |
| Net interest margin | 4.1841% | 2,123 |
| Noninterest income to average assets | 0.5325% | 4,159 |
| Noninterest expense to average assets | 3.2026% | 3,371 |
| Loan and lease loss provision to assets | 0.0933% | 6,669 |
| Net operating income to assets | 0.7423% | 2,762 |
| Return on assets (ROA) | 0.7423% | 2,849 |
| Pretax return on assets | 1.1660% | 2,045 |
| Return on Equity (ROE) | 7.4791% | 2,588 |
| Retained earnings to average equity (ytd only) | 2.7802% | 3,215 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7770% | 4,301 |
| Assets per employee ($millions) | 3.0452% | 6,110 |
| Cash dividends to net income (ytd only)* | 62.8272% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 2,672 |
| Loan loss allowance to noncurrent loans | 245.8333% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 6,139 |
| Noncurrent loans to loans | 0.7165% | 5,815 |
| Net loans and leases to total assets | 72.0436% | 2,745 |
| Net loans and leases to deposits | 79.9716% | 3,998 |
| Net loans and leases to core deposits | 95.1887% | 4,549 |
| Total domestic deposits to total assets | 90.0865% | 920 |
| Equity capital to assets | 9.4173% | 4,529 |
| Core capital (leverage) ratio | 9.3427% | 3,910 |
| Tier 1 risk-based capital ratio | 11.7776% | 5,126 |
| Total risk-based capital ratio | 12.8915% | 5,210 |
| Memoranda: | ||
| Average total assets | $25,729,200 | 7,618 |
| Average earning assets | $24,163,000 | 7,574 |
| Average equity | $2,553,800 | 7,717 |
| Average total loans | $19,953,400 | 7,192 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2569% | 1,220 |
| Cost of funding earning assets | 1.8872% | 3,945 |
| Net interest margin | 4.3697% | 1,529 |
| Noninterest income to average assets | 0.4004% | 5,282 |
| Noninterest expense to average assets | 3.0607% | 3,805 |
| Loan and lease loss provision to assets | 0.0948% | 6,419 |
| Net operating income to assets | 0.8797% | 2,498 |
| Return on assets (ROA) | 0.8797% | 2,570 |
| Pretax return on assets | 1.3433% | 1,837 |
| Return on Equity (ROE) | 8.7420% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.0306% | 3,027 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0328% | 4,967 |
| Assets per employee ($millions) | 3.2093% | 5,627 |
| Cash dividends to net income (ytd only)* | 53.8938% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 2,495 |
| Loan loss allowance to noncurrent loans | 299.1379% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 6,323 |
| Noncurrent loans to loans | 0.5807% | 6,154 |
| Net loans and leases to total assets | 76.4548% | 1,903 |
| Net loans and leases to deposits | 85.8436% | 3,348 |
| Net loans and leases to core deposits | 98.6431% | 4,531 |
| Total domestic deposits to total assets | 89.0629% | 1,169 |
| Equity capital to assets | 10.1036% | 3,955 |
| Core capital (leverage) ratio | 9.6531% | 3,712 |
| Tier 1 risk-based capital ratio | 12.1160% | 4,865 |
| Total risk-based capital ratio | 13.2644% | 4,897 |
| Memoranda: | ||
| Average total assets | $25,309,750 | 7,704 |
| Average earning assets | $23,738,500 | 7,662 |
| Average equity | $2,547,000 | 7,793 |
| Average total loans | $19,917,000 | 7,262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1074% | 1,769 |
| Cost of funding earning assets | 1.9006% | 4,265 |
| Net interest margin | 4.2067% | 1,975 |
| Noninterest income to average assets | 0.4129% | 5,178 |
| Noninterest expense to average assets | 3.0173% | 4,017 |
| Loan and lease loss provision to assets | 0.0953% | 6,213 |
| Net operating income to assets | 0.6590% | 3,433 |
| Return on assets (ROA) | 0.6590% | 3,542 |
| Pretax return on assets | 1.2545% | 2,147 |
| Return on Equity (ROE) | 6.5578% | 3,408 |
| Retained earnings to average equity (ytd only) | 1.8172% | 4,332 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0909% | 4,962 |
| Assets per employee ($millions) | 3.1944% | 5,599 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 2,624 |
| Loan loss allowance to noncurrent loans | 186.3388% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 5,615 |
| Noncurrent loans to loans | 0.8737% | 5,473 |
| Net loans and leases to total assets | 80.6300% | 1,205 |
| Net loans and leases to deposits | 90.3015% | 2,785 |
| Net loans and leases to core deposits | 101.4125% | 4,359 |
| Total domestic deposits to total assets | 89.2898% | 1,128 |
| Equity capital to assets | 9.9080% | 4,071 |
| Core capital (leverage) ratio | 9.6384% | 3,719 |
| Tier 1 risk-based capital ratio | 11.4631% | 5,431 |
| Total risk-based capital ratio | 12.6191% | 5,436 |
| Memoranda: | ||
| Average total assets | $25,188,330 | 7,782 |
| Average earning assets | $23,676,330 | 7,734 |
| Average equity | $2,531,330 | 7,872 |
| Average total loans | $19,897,330 | 7,329 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0553% | 2,126 |
| Cost of funding earning assets | 1.9842% | 4,208 |
| Net interest margin | 4.0711% | 2,401 |
| Noninterest income to average assets | 0.3679% | 5,483 |
| Noninterest expense to average assets | 2.7035% | 4,990 |
| Loan and lease loss provision to assets | 0.0960% | 5,734 |
| Net operating income to assets | 0.9758% | 2,412 |
| Return on assets (ROA) | 0.9758% | 2,537 |
| Pretax return on assets | 1.3757% | 2,038 |
| Return on Equity (ROE) | 9.6405% | 2,476 |
| Retained earnings to average equity (ytd only) | 4.8992% | 3,190 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7510% | 5,556 |
| Assets per employee ($millions) | 3.2024% | 5,588 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 2,006 |
| Loan loss allowance to noncurrent loans | 132.8063% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,723 |
| Noncurrent loans to loans | 1.3116% | 4,355 |
| Net loans and leases to total assets | 73.9842% | 2,760 |
| Net loans and leases to deposits | 82.7144% | 4,174 |
| Net loans and leases to core deposits | 93.7621% | 5,181 |
| Total domestic deposits to total assets | 89.4453% | 1,034 |
| Equity capital to assets | 9.9184% | 4,090 |
| Core capital (leverage) ratio | 9.5882% | 3,882 |
| Tier 1 risk-based capital ratio | 11.9441% | 5,009 |
| Total risk-based capital ratio | 13.0439% | 5,049 |
| Memoranda: | ||
| Average total assets | $25,005,000 | 7,829 |
| Average earning assets | $23,384,500 | 7,791 |
| Average equity | $2,531,000 | 7,927 |
| Average total loans | $19,373,000 | 7,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4850% | 3,032 |
| Cost of funding earning assets | 2.3904% | 4,760 |
| Net interest margin | 4.0946% | 2,736 |
| Noninterest income to average assets | 0.5271% | 4,409 |
| Noninterest expense to average assets | 2.9034% | 4,441 |
| Loan and lease loss provision to assets | 0.1400% | 5,565 |
| Net operating income to assets | 0.8087% | 3,403 |
| Return on assets (ROA) | 0.8113% | 3,230 |
| Pretax return on assets | 1.3467% | 2,144 |
| Return on Equity (ROE) | 8.1237% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.0000% | 2,644 |
| Net charge-offs to loans | -0.1445% | 8,135 |
| Credit loss provision to net charge-offs | -130.7692% | 7,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1972% | 5,090 |
| Assets per employee ($millions) | 3.0489% | 5,931 |
| Cash dividends to net income (ytd only)* | 50.7614% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 1,923 |
| Loan loss allowance to noncurrent loans | 217.1053% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 5,332 |
| Noncurrent loans to loans | 0.7813% | 5,083 |
| Net loans and leases to total assets | 78.4142% | 2,020 |
| Net loans and leases to deposits | 88.1261% | 3,786 |
| Net loans and leases to core deposits | 99.5161% | 4,871 |
| Total domestic deposits to total assets | 88.9795% | 1,050 |
| Equity capital to assets | 10.3358% | 3,679 |
| Core capital (leverage) ratio | 9.6716% | 3,807 |
| Tier 1 risk-based capital ratio | 12.1699% | 4,692 |
| Total risk-based capital ratio | 13.3145% | 4,654 |
| Memoranda: | ||
| Average total assets | $24,281,800 | 7,862 |
| Average earning assets | $22,883,600 | 7,828 |
| Average equity | $2,425,000 | 8,010 |
| Average total loans | $17,993,600 | 7,459 |