Home > Adrian State Bank > Performance and Condition Ratios
Adrian State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 2,554 |
| Cost of funding earning assets | 1.3003% | 3,593 |
| Net interest margin | 3.9801% | 1,335 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 2.4785% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4153% | 1,228 |
| Return on assets (ROA) | 1.4153% | 1,229 |
| Pretax return on assets | 1.4153% | 1,702 |
| Return on Equity (ROE) | 13.7900% | 1,313 |
| Retained earnings to average equity (ytd only) | 9.7006% | 1,248 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.6522% | 2,510 |
| Assets per employee ($millions) | 5.9604% | 2,965 |
| Cash dividends to net income (ytd only)* | 29.6651% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 929 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.0300% | 2,193 |
| Net loans and leases to deposits | 75.1500% | 2,476 |
| Net loans and leases to core deposits | 77.0308% | 2,889 |
| Total domestic deposits to total assets | 89.1900% | 1,099 |
| Equity capital to assets | 10.3483% | 2,013 |
| Core capital (leverage) ratio | 10.9756% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $59,067,500 | 4,133 |
| Average earning assets | $55,677,500 | 4,105 |
| Average equity | $6,061,500 | 4,153 |
| Average total loans | $40,564,500 | 3,953 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 2,970 |
| Cost of funding earning assets | 1.4879% | 3,365 |
| Net interest margin | 3.5810% | 1,906 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 2.5510% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0095% | 2,020 |
| Return on assets (ROA) | 1.0095% | 2,021 |
| Pretax return on assets | 1.0948% | 2,266 |
| Return on Equity (ROE) | 10.0200% | 2,147 |
| Retained earnings to average equity (ytd only) | -0.1354% | 3,993 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.9719% | 1,993 |
| Assets per employee ($millions) | 5.3210% | 3,423 |
| Cash dividends to net income (ytd only)* | 101.3514% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 908 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 68.2200% | 2,115 |
| Net loans and leases to deposits | 76.3782% | 2,418 |
| Net loans and leases to core deposits | 78.3137% | 2,898 |
| Total domestic deposits to total assets | 89.3200% | 1,046 |
| Equity capital to assets | 10.1741% | 2,022 |
| Core capital (leverage) ratio | 10.9507% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $58,642,600 | 4,153 |
| Average earning assets | $55,851,000 | 4,118 |
| Average equity | $5,907,000 | 4,163 |
| Average total loans | $40,049,600 | 3,962 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 3,129 |
| Cost of funding earning assets | 1.4884% | 3,381 |
| Net interest margin | 3.4509% | 2,133 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.3339% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0113% | 2,012 |
| Return on assets (ROA) | 1.0113% | 2,014 |
| Pretax return on assets | 1.1317% | 2,166 |
| Return on Equity (ROE) | 10.0600% | 2,178 |
| Retained earnings to average equity (ytd only) | 0.2262% | 3,916 |
| Net charge-offs to loans | 0.0968% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 17.1724% | 1,849 |
| Efficiency ratio | 67.3443% | 2,335 |
| Assets per employee ($millions) | 5.2525% | 3,482 |
| Cash dividends to net income (ytd only)* | 97.7528% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,087 |
| Loan loss allowance to noncurrent loans | 48.1002% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1410% | 178 |
| Noncurrent loans to loans | 3.0910% | 186 |
| Net loans and leases to total assets | 68.2400% | 2,055 |
| Net loans and leases to deposits | 80.6122% | 2,125 |
| Net loans and leases to core deposits | 84.5359% | 2,524 |
| Total domestic deposits to total assets | 84.6500% | 2,407 |
| Equity capital to assets | 10.3951% | 2,051 |
| Core capital (leverage) ratio | 10.6712% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $58,670,500 | 4,172 |
| Average earning assets | $56,254,500 | 4,135 |
| Average equity | $5,895,000 | 4,181 |
| Average total loans | $39,923,750 | 3,981 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 3,072 |
| Cost of funding earning assets | 1.3198% | 3,591 |
| Net interest margin | 3.6092% | 1,767 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.3335% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1769% | 1,529 |
| Return on assets (ROA) | 1.1769% | 1,530 |
| Pretax return on assets | 1.2888% | 1,726 |
| Return on Equity (ROE) | 11.8500% | 1,662 |
| Retained earnings to average equity (ytd only) | -0.8877% | 4,040 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.4195% | 2,719 |
| Assets per employee ($millions) | 5.1466% | 3,504 |
| Cash dividends to net income (ytd only)* | 107.4928% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.5300% | 1,960 |
| Net loans and leases to deposits | 86.4624% | 1,607 |
| Net loans and leases to core deposits | 88.8372% | 2,219 |
| Total domestic deposits to total assets | 80.4100% | 3,386 |
| Equity capital to assets | 10.2556% | 1,934 |
| Core capital (leverage) ratio | 10.7007% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $58,968,333 | 4,182 |
| Average earning assets | $56,522,000 | 4,147 |
| Average equity | $5,858,000 | 4,188 |
| Average total loans | $39,891,667 | 3,989 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 3,081 |
| Cost of funding earning assets | 1.2561% | 3,632 |
| Net interest margin | 3.5879% | 1,757 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.4141% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1705% | 1,510 |
| Return on assets (ROA) | 1.1705% | 1,519 |
| Pretax return on assets | 1.1705% | 1,964 |
| Return on Equity (ROE) | 11.9600% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.9646% | 746 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.3469% | 2,451 |
| Assets per employee ($millions) | 5.4010% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 885 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.3200% | 2,329 |
| Net loans and leases to deposits | 75.8334% | 2,441 |
| Net loans and leases to core deposits | 77.0959% | 2,907 |
| Total domestic deposits to total assets | 86.1400% | 2,046 |
| Equity capital to assets | 10.0571% | 1,982 |
| Core capital (leverage) ratio | 10.6935% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $60,146,000 | 4,194 |
| Average earning assets | $57,637,500 | 4,155 |
| Average equity | $5,884,000 | 4,207 |
| Average total loans | $39,844,500 | 4,005 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 2,572 |
| Cost of funding earning assets | 0.9791% | 3,347 |
| Net interest margin | 3.7713% | 1,607 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.4017% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3152% | 1,405 |
| Return on assets (ROA) | 1.3152% | 1,367 |
| Pretax return on assets | 1.3663% | 1,706 |
| Return on Equity (ROE) | 14.3200% | 1,422 |
| Retained earnings to average equity (ytd only) | 2.0072% | 3,573 |
| Net charge-offs to loans | -0.0476% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.7396% | 2,638 |
| Assets per employee ($millions) | 5.5346% | 3,218 |
| Cash dividends to net income (ytd only)* | 85.9825% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 940 |
| Loan loss allowance to noncurrent loans | 3,120.0000% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,425 |
| Noncurrent loans to loans | 0.0497% | 3,369 |
| Net loans and leases to total assets | 65.1000% | 2,357 |
| Net loans and leases to deposits | 74.9225% | 2,545 |
| Net loans and leases to core deposits | 76.1255% | 2,967 |
| Total domestic deposits to total assets | 86.8900% | 1,718 |
| Equity capital to assets | 9.5153% | 2,337 |
| Core capital (leverage) ratio | 10.2821% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $60,749,600 | 4,208 |
| Average earning assets | $57,910,400 | 4,163 |
| Average equity | $5,580,000 | 4,203 |
| Average total loans | $39,880,000 | 3,997 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 2,447 |
| Cost of funding earning assets | 0.8739% | 3,335 |
| Net interest margin | 3.8382% | 1,519 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.2399% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5481% | 1,026 |
| Return on assets (ROA) | 1.5481% | 1,019 |
| Pretax return on assets | 1.5986% | 1,364 |
| Return on Equity (ROE) | 17.0100% | 1,072 |
| Retained earnings to average equity (ytd only) | 4.0529% | 3,245 |
| Net charge-offs to loans | -0.0637% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3524% | 3,161 |
| Assets per employee ($millions) | 5.4128% | 3,251 |
| Cash dividends to net income (ytd only)* | 76.1702% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 1,006 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.8900% | 2,169 |
| Net loans and leases to deposits | 79.9735% | 2,053 |
| Net loans and leases to core deposits | 80.4095% | 2,569 |
| Total domestic deposits to total assets | 83.6400% | 2,870 |
| Equity capital to assets | 9.4573% | 2,122 |
| Core capital (leverage) ratio | 10.6549% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $60,716,750 | 4,219 |
| Average earning assets | $57,977,000 | 4,183 |
| Average equity | $5,526,750 | 4,216 |
| Average total loans | $39,785,500 | 4,006 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 2,100 |
| Cost of funding earning assets | 0.7049% | 3,475 |
| Net interest margin | 4.0470% | 1,159 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.2746% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8001% | 658 |
| Return on assets (ROA) | 1.8001% | 658 |
| Pretax return on assets | 1.7608% | 1,094 |
| Return on Equity (ROE) | 20.0300% | 703 |
| Retained earnings to average equity (ytd only) | 3.2047% | 3,420 |
| Net charge-offs to loans | -0.0960% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.3666% | 3,373 |
| Assets per employee ($millions) | 5.4035% | 3,231 |
| Cash dividends to net income (ytd only)* | 84.0000% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 852 |
| Loan loss allowance to noncurrent loans | 1,418.1818% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,029 |
| Noncurrent loans to loans | 0.1159% | 2,897 |
| Net loans and leases to total assets | 62.8300% | 2,494 |
| Net loans and leases to deposits | 74.9473% | 2,407 |
| Net loans and leases to core deposits | 75.3511% | 2,801 |
| Total domestic deposits to total assets | 83.8400% | 2,859 |
| Equity capital to assets | 9.3913% | 2,237 |
| Core capital (leverage) ratio | 10.5293% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $61,108,667 | 4,237 |
| Average earning assets | $58,166,333 | 4,200 |
| Average equity | $5,492,000 | 4,245 |
| Average total loans | $39,564,000 | 4,023 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 1,297 |
| Cost of funding earning assets | 0.5551% | 3,517 |
| Net interest margin | 4.4071% | 677 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.3311% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3376% | 308 |
| Return on assets (ROA) | 2.3376% | 308 |
| Pretax return on assets | 2.0470% | 713 |
| Return on Equity (ROE) | 26.5800% | 336 |
| Retained earnings to average equity (ytd only) | -4.6264% | 4,315 |
| Net charge-offs to loans | -0.1883% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.2448% | 3,682 |
| Assets per employee ($millions) | 5.5235% | 3,197 |
| Cash dividends to net income (ytd only)* | 117.4033% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 978 |
| Loan loss allowance to noncurrent loans | 6,933.3333% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,697 |
| Noncurrent loans to loans | 0.0233% | 3,602 |
| Net loans and leases to total assets | 62.4600% | 2,420 |
| Net loans and leases to deposits | 69.3038% | 2,671 |
| Net loans and leases to core deposits | 69.6434% | 2,978 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 9.0013% | 2,516 |
| Core capital (leverage) ratio | 9.7613% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $61,944,000 | 4,291 |
| Average earning assets | $59,087,000 | 4,246 |
| Average equity | $5,447,000 | 4,305 |
| Average total loans | $40,360,500 | 4,062 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 3,191 |
| Cost of funding earning assets | 0.3244% | 2,686 |
| Net interest margin | 3.1321% | 3,080 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.1813% | 3,072 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0391% | 2,422 |
| Return on assets (ROA) | 1.0391% | 2,360 |
| Pretax return on assets | 1.1341% | 2,658 |
| Return on Equity (ROE) | 11.9800% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.9896% | 1,836 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.4106% | 2,305 |
| Assets per employee ($millions) | 5.7391% | 3,000 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,388 |
| Loan loss allowance to noncurrent loans | 40.4953% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.3665% | 87 |
| Noncurrent loans to loans | 3.5446% | 110 |
| Net loans and leases to total assets | 65.8100% | 2,062 |
| Net loans and leases to deposits | 75.5455% | 2,130 |
| Net loans and leases to core deposits | 75.9141% | 2,429 |
| Total domestic deposits to total assets | 87.1100% | 2,363 |
| Equity capital to assets | 8.5934% | 2,636 |
| Core capital (leverage) ratio | 10.1218% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $62,073,800 | 4,320 |
| Average earning assets | $59,193,000 | 4,276 |
| Average equity | $5,382,000 | 4,395 |
| Average total loans | $39,188,000 | 4,078 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2983% | 3,178 |
| Cost of funding earning assets | 0.2794% | 2,387 |
| Net interest margin | 3.0190% | 3,169 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.1420% | 3,096 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0613% | 2,245 |
| Return on assets (ROA) | 1.0613% | 2,209 |
| Pretax return on assets | 1.1562% | 2,539 |
| Return on Equity (ROE) | 12.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | 9.1100% | 1,613 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.5644% | 2,472 |
| Assets per employee ($millions) | 5.5498% | 3,168 |
| Cash dividends to net income (ytd only)* | 25.4065% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,055 |
| Loan loss allowance to noncurrent loans | 45.6406% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.1606% | 115 |
| Noncurrent loans to loans | 3.5184% | 121 |
| Net loans and leases to total assets | 60.4200% | 2,455 |
| Net loans and leases to deposits | 66.2292% | 2,700 |
| Net loans and leases to core deposits | 68.4728% | 2,759 |
| Total domestic deposits to total assets | 91.2300% | 1,144 |
| Equity capital to assets | 8.5834% | 2,490 |
| Core capital (leverage) ratio | 10.0228% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $61,809,750 | 4,355 |
| Average earning assets | $59,180,000 | 4,306 |
| Average equity | $5,371,250 | 4,432 |
| Average total loans | $38,447,750 | 4,115 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1391% | 3,211 |
| Cost of funding earning assets | 0.2624% | 2,115 |
| Net interest margin | 2.8767% | 3,231 |
| Noninterest income to average assets | 0.2320% | 3,790 |
| Noninterest expense to average assets | 2.1687% | 2,947 |
| Loan and lease loss provision to assets | 0.0193% | 2,255 |
| Net operating income to assets | 0.7154% | 3,258 |
| Return on assets (ROA) | 0.7154% | 3,211 |
| Pretax return on assets | 0.7992% | 3,332 |
| Return on Equity (ROE) | 8.1994% | 2,969 |
| Retained earnings to average equity (ytd only) | 6.5374% | 2,161 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5998% | 1,678 |
| Assets per employee ($millions) | 5.4805% | 3,253 |
| Cash dividends to net income (ytd only)* | 20.2703% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 1,173 |
| Loan loss allowance to noncurrent loans | 42.2128% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.3538% | 93 |
| Noncurrent loans to loans | 3.7697% | 101 |
| Net loans and leases to total assets | 61.4465% | 2,177 |
| Net loans and leases to deposits | 67.5043% | 2,433 |
| Net loans and leases to core deposits | 69.8253% | 2,501 |
| Total domestic deposits to total assets | 91.0260% | 1,228 |
| Equity capital to assets | 8.7982% | 2,534 |
| Core capital (leverage) ratio | 9.4827% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,063,667 | 4,395 |
| Average earning assets | $59,443,000 | 4,362 |
| Average equity | $5,415,000 | 4,481 |
| Average total loans | $38,767,333 | 4,158 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9953% | 3,273 |
| Cost of funding earning assets | 0.2535% | 2,118 |
| Net interest margin | 2.7418% | 3,305 |
| Noninterest income to average assets | 0.1906% | 4,021 |
| Noninterest expense to average assets | 2.1540% | 2,963 |
| Loan and lease loss provision to assets | 0.0191% | 2,013 |
| Net operating income to assets | 0.6290% | 3,304 |
| Return on assets (ROA) | 0.6290% | 3,284 |
| Pretax return on assets | 0.6290% | 3,554 |
| Return on Equity (ROE) | 7.2388% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.2388% | 1,812 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8707% | 1,429 |
| Assets per employee ($millions) | 5.7841% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 1,350 |
| Loan loss allowance to noncurrent loans | 42.0014% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.2303% | 120 |
| Noncurrent loans to loans | 3.7357% | 114 |
| Net loans and leases to total assets | 58.7646% | 2,209 |
| Net loans and leases to deposits | 64.2500% | 2,507 |
| Net loans and leases to core deposits | 66.9226% | 2,545 |
| Total domestic deposits to total assets | 91.4625% | 821 |
| Equity capital to assets | 8.3929% | 3,246 |
| Core capital (leverage) ratio | 9.2896% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,953,000 | 4,407 |
| Average earning assets | $59,961,000 | 4,380 |
| Average equity | $5,470,500 | 4,522 |
| Average total loans | $39,330,000 | 4,168 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 2,480 |
| Cost of funding earning assets | 0.3716% | 1,742 |
| Net interest margin | 3.1910% | 2,620 |
| Noninterest income to average assets | 0.1665% | 4,324 |
| Noninterest expense to average assets | 2.1218% | 3,331 |
| Loan and lease loss provision to assets | 0.1715% | 676 |
| Net operating income to assets | 0.8458% | 3,199 |
| Return on assets (ROA) | 0.8458% | 3,266 |
| Pretax return on assets | 0.9315% | 3,417 |
| Return on Equity (ROE) | 9.2586% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.0100% | 2,358 |
| Net charge-offs to loans | 0.2863% | 307 |
| Credit loss provision to net charge-offs | 91.2281% | 1,869 |
| Earnings coverage of net charge-offs (x) | 5.8684% | 2,427 |
| Efficiency ratio | 65.7975% | 2,286 |
| Assets per employee ($millions) | 5.6619% | 3,111 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,705 |
| Loan loss allowance to noncurrent loans | 41.7018% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.2832% | 125 |
| Noncurrent loans to loans | 3.4960% | 144 |
| Net loans and leases to total assets | 64.3567% | 1,662 |
| Net loans and leases to deposits | 70.8338% | 2,035 |
| Net loans and leases to core deposits | 73.8662% | 2,090 |
| Total domestic deposits to total assets | 90.8560% | 550 |
| Equity capital to assets | 8.9931% | 3,625 |
| Core capital (leverage) ratio | 9.1767% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,654,800 | 4,448 |
| Average earning assets | $58,132,400 | 4,412 |
| Average equity | $5,540,800 | 4,579 |
| Average total loans | $39,812,200 | 4,192 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 2,196 |
| Cost of funding earning assets | 0.3945% | 1,736 |
| Net interest margin | 3.3350% | 2,320 |
| Noninterest income to average assets | 0.1726% | 4,345 |
| Noninterest expense to average assets | 2.0515% | 3,516 |
| Loan and lease loss provision to assets | 0.1394% | 814 |
| Net operating income to assets | 1.1972% | 2,181 |
| Return on assets (ROA) | 1.1972% | 2,235 |
| Pretax return on assets | 1.1995% | 2,934 |
| Return on Equity (ROE) | 13.0537% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.1234% | 1,033 |
| Net charge-offs to loans | 0.1111% | 689 |
| Credit loss provision to net charge-offs | 190.9091% | 1,231 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,788 |
| Efficiency ratio | 60.5091% | 2,909 |
| Assets per employee ($millions) | 5.1093% | 3,593 |
| Cash dividends to net income (ytd only)* | 14.7874% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 1,204 |
| Loan loss allowance to noncurrent loans | 38.1468% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7107% | 110 |
| Noncurrent loans to loans | 4.3457% | 104 |
| Net loans and leases to total assets | 61.3436% | 2,101 |
| Net loans and leases to deposits | 67.9071% | 2,445 |
| Net loans and leases to core deposits | 72.2330% | 2,407 |
| Total domestic deposits to total assets | 90.3347% | 625 |
| Equity capital to assets | 9.4370% | 3,431 |
| Core capital (leverage) ratio | 9.4528% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,248,250 | 4,510 |
| Average earning assets | $58,129,500 | 4,468 |
| Average equity | $5,525,750 | 4,646 |
| Average total loans | $39,596,500 | 4,256 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 2,530 |
| Cost of funding earning assets | 0.4114% | 1,788 |
| Net interest margin | 3.2189% | 2,701 |
| Noninterest income to average assets | 0.1770% | 4,315 |
| Noninterest expense to average assets | 2.1071% | 3,364 |
| Loan and lease loss provision to assets | 0.2004% | 557 |
| Net operating income to assets | 0.9751% | 2,975 |
| Return on assets (ROA) | 0.9751% | 3,061 |
| Pretax return on assets | 0.9784% | 3,488 |
| Return on Equity (ROE) | 10.7373% | 2,518 |
| Retained earnings to average equity (ytd only) | 7.7956% | 2,155 |
| Net charge-offs to loans | 0.1598% | 521 |
| Credit loss provision to net charge-offs | 187.5000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 11.0313% | 1,779 |
| Efficiency ratio | 64.1260% | 2,414 |
| Assets per employee ($millions) | 4.9993% | 3,660 |
| Cash dividends to net income (ytd only)* | 27.3973% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 1,215 |
| Loan loss allowance to noncurrent loans | 41.2958% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.5470% | 130 |
| Noncurrent loans to loans | 3.9418% | 143 |
| Net loans and leases to total assets | 63.5645% | 2,000 |
| Net loans and leases to deposits | 70.3159% | 2,373 |
| Net loans and leases to core deposits | 75.6562% | 2,270 |
| Total domestic deposits to total assets | 90.3986% | 601 |
| Equity capital to assets | 9.2447% | 3,567 |
| Core capital (leverage) ratio | 8.9116% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,893,667 | 4,540 |
| Average earning assets | $57,845,333 | 4,500 |
| Average equity | $5,439,000 | 4,682 |
| Average total loans | $40,047,000 | 4,275 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 2,660 |
| Cost of funding earning assets | 0.4370% | 1,822 |
| Net interest margin | 3.1561% | 2,819 |
| Noninterest income to average assets | 0.1537% | 4,434 |
| Noninterest expense to average assets | 2.1322% | 3,320 |
| Loan and lease loss provision to assets | 0.2005% | 608 |
| Net operating income to assets | 0.8555% | 3,252 |
| Return on assets (ROA) | 0.8555% | 3,333 |
| Pretax return on assets | 0.8622% | 3,688 |
| Return on Equity (ROE) | 9.5070% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.5651% | 3,618 |
| Net charge-offs to loans | 0.3342% | 256 |
| Credit loss provision to net charge-offs | 88.2353% | 1,177 |
| Earnings coverage of net charge-offs (x) | 4.6765% | 1,718 |
| Efficiency ratio | 66.7364% | 2,115 |
| Assets per employee ($millions) | 5.2751% | 3,362 |
| Cash dividends to net income (ytd only)* | 62.5000% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,595 |
| Loan loss allowance to noncurrent loans | 38.3483% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.4676% | 170 |
| Noncurrent loans to loans | 3.9197% | 141 |
| Net loans and leases to total assets | 62.0069% | 2,287 |
| Net loans and leases to deposits | 68.0177% | 2,702 |
| Net loans and leases to core deposits | 72.8503% | 2,628 |
| Total domestic deposits to total assets | 91.1629% | 343 |
| Equity capital to assets | 8.5149% | 4,102 |
| Core capital (leverage) ratio | 8.9779% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,845,000 | 4,558 |
| Average earning assets | $57,665,500 | 4,524 |
| Average equity | $5,385,500 | 4,702 |
| Average total loans | $40,688,500 | 4,291 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,116 |
| Cost of funding earning assets | 0.6805% | 1,819 |
| Net interest margin | 3.9065% | 1,199 |
| Noninterest income to average assets | 0.1635% | 4,475 |
| Noninterest expense to average assets | 2.2622% | 3,507 |
| Loan and lease loss provision to assets | 0.2156% | 1,821 |
| Net operating income to assets | 1.4177% | 984 |
| Return on assets (ROA) | 1.4177% | 1,066 |
| Pretax return on assets | 1.4195% | 1,596 |
| Return on Equity (ROE) | 15.0074% | 644 |
| Retained earnings to average equity (ytd only) | 7.3991% | 1,237 |
| Net charge-offs to loans | -0.0301% | 4,537 |
| Credit loss provision to net charge-offs | -923.0769% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0452% | 3,719 |
| Assets per employee ($millions) | 4.6991% | 3,718 |
| Cash dividends to net income (ytd only)* | 50.6971% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,769 |
| Loan loss allowance to noncurrent loans | 38.9535% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.7452% | 149 |
| Noncurrent loans to loans | 3.7277% | 165 |
| Net loans and leases to total assets | 72.5744% | 1,217 |
| Net loans and leases to deposits | 80.5955% | 1,806 |
| Net loans and leases to core deposits | 87.1576% | 1,780 |
| Total domestic deposits to total assets | 90.0477% | 547 |
| Equity capital to assets | 9.5426% | 3,568 |
| Core capital (leverage) ratio | 8.9474% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,654,000 | 4,578 |
| Average earning assets | $53,193,600 | 4,538 |
| Average equity | $5,257,400 | 4,722 |
| Average total loans | $43,260,800 | 4,250 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 987 |
| Cost of funding earning assets | 0.7040% | 2,004 |
| Net interest margin | 4.0353% | 1,040 |
| Noninterest income to average assets | 0.1683% | 4,460 |
| Noninterest expense to average assets | 2.0960% | 3,957 |
| Loan and lease loss provision to assets | 0.2163% | 1,861 |
| Net operating income to assets | 1.7114% | 562 |
| Return on assets (ROA) | 1.7114% | 626 |
| Pretax return on assets | 1.7138% | 942 |
| Return on Equity (ROE) | 18.1634% | 349 |
| Retained earnings to average equity (ytd only) | 10.6633% | 638 |
| Net charge-offs to loans | -0.0336% | 4,561 |
| Credit loss provision to net charge-offs | -818.1818% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0597% | 4,339 |
| Assets per employee ($millions) | 4.8848% | 3,395 |
| Cash dividends to net income (ytd only)* | 41.2921% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,078 |
| Loan loss allowance to noncurrent loans | 39.6803% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.4549% | 226 |
| Noncurrent loans to loans | 3.3267% | 259 |
| Net loans and leases to total assets | 72.8202% | 1,533 |
| Net loans and leases to deposits | 80.8903% | 2,209 |
| Net loans and leases to core deposits | 89.7328% | 2,002 |
| Total domestic deposits to total assets | 90.0234% | 419 |
| Equity capital to assets | 9.2123% | 3,944 |
| Core capital (leverage) ratio | 9.3174% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,470,250 | 4,594 |
| Average earning assets | $53,031,250 | 4,558 |
| Average equity | $5,226,500 | 4,751 |
| Average total loans | $43,694,250 | 4,262 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 946 |
| Cost of funding earning assets | 0.7330% | 2,214 |
| Net interest margin | 4.1820% | 965 |
| Noninterest income to average assets | 0.1764% | 4,410 |
| Noninterest expense to average assets | 2.1278% | 3,972 |
| Loan and lease loss provision to assets | 0.2205% | 1,894 |
| Net operating income to assets | 1.8081% | 491 |
| Return on assets (ROA) | 1.8081% | 541 |
| Pretax return on assets | 1.8118% | 798 |
| Return on Equity (ROE) | 19.0378% | 303 |
| Retained earnings to average equity (ytd only) | 16.1744% | 165 |
| Net charge-offs to loans | -0.0411% | 4,625 |
| Credit loss provision to net charge-offs | -666.6667% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1484% | 4,419 |
| Assets per employee ($millions) | 4.6175% | 3,629 |
| Cash dividends to net income (ytd only)* | 15.0407% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,391 |
| Loan loss allowance to noncurrent loans | 62.9673% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 595 |
| Noncurrent loans to loans | 1.9432% | 707 |
| Net loans and leases to total assets | 78.5273% | 782 |
| Net loans and leases to deposits | 88.0899% | 1,548 |
| Net loans and leases to core deposits | 97.8854% | 1,420 |
| Total domestic deposits to total assets | 89.1446% | 694 |
| Equity capital to assets | 9.7383% | 3,435 |
| Core capital (leverage) ratio | 9.8375% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,421,333 | 4,628 |
| Average earning assets | $51,841,333 | 4,594 |
| Average equity | $5,168,667 | 4,780 |
| Average total loans | $43,840,333 | 4,269 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 1,097 |
| Cost of funding earning assets | 0.7668% | 2,563 |
| Net interest margin | 4.1706% | 979 |
| Noninterest income to average assets | 0.1632% | 4,554 |
| Noninterest expense to average assets | 2.1807% | 4,059 |
| Loan and lease loss provision to assets | 0.2225% | 1,390 |
| Net operating income to assets | 1.7060% | 510 |
| Return on assets (ROA) | 1.7060% | 560 |
| Pretax return on assets | 1.7134% | 840 |
| Return on Equity (ROE) | 18.1998% | 255 |
| Retained earnings to average equity (ytd only) | 15.8259% | 153 |
| Net charge-offs to loans | -0.0549% | 4,667 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9730% | 4,473 |
| Assets per employee ($millions) | 4.4165% | 3,385 |
| Cash dividends to net income (ytd only)* | 13.0435% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,793 |
| Loan loss allowance to noncurrent loans | 75.7485% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.2604% | 953 |
| Noncurrent loans to loans | 1.5533% | 1,009 |
| Net loans and leases to total assets | 80.1879% | 676 |
| Net loans and leases to deposits | 90.5079% | 1,452 |
| Net loans and leases to core deposits | 101.1568% | 1,388 |
| Total domestic deposits to total assets | 88.5977% | 837 |
| Equity capital to assets | 9.7419% | 4,003 |
| Core capital (leverage) ratio | 9.5911% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,927,000 | 4,645 |
| Average earning assets | $51,120,000 | 4,617 |
| Average equity | $5,055,000 | 4,831 |
| Average total loans | $43,735,000 | 4,281 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2017% | 987 |
| Cost of funding earning assets | 0.8465% | 2,446 |
| Net interest margin | 4.3552% | 975 |
| Noninterest income to average assets | 0.2034% | 4,445 |
| Noninterest expense to average assets | 2.4737% | 3,517 |
| Loan and lease loss provision to assets | 0.1173% | 1,799 |
| Net operating income to assets | 1.7658% | 570 |
| Return on assets (ROA) | 1.7717% | 594 |
| Pretax return on assets | 1.7736% | 1,010 |
| Return on Equity (ROE) | 18.9651% | 272 |
| Retained earnings to average equity (ytd only) | 7.0125% | 1,385 |
| Net charge-offs to loans | -0.0118% | 4,513 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7519% | 4,116 |
| Assets per employee ($millions) | 4.9869% | 2,617 |
| Cash dividends to net income (ytd only)* | 63.0243% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,180 |
| Loan loss allowance to noncurrent loans | 7,833.3333% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,610 |
| Noncurrent loans to loans | 0.0135% | 4,527 |
| Net loans and leases to total assets | 80.2027% | 754 |
| Net loans and leases to deposits | 91.8823% | 1,381 |
| Net loans and leases to core deposits | 101.8544% | 1,422 |
| Total domestic deposits to total assets | 87.2885% | 1,458 |
| Equity capital to assets | 9.0182% | 4,677 |
| Core capital (leverage) ratio | 9.1548% | 4,398 |
| Tier 1 risk-based capital ratio | 10.8822% | 4,900 |
| Total risk-based capital ratio | 11.9188% | 4,884 |
| Memoranda: | ||
| Average total assets | $51,137,800 | 4,731 |
| Average earning assets | $48,792,000 | 4,695 |
| Average equity | $4,777,200 | 4,909 |
| Average total loans | $42,284,400 | 4,358 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 892 |
| Cost of funding earning assets | 0.8404% | 2,510 |
| Net interest margin | 4.4451% | 862 |
| Noninterest income to average assets | 0.2165% | 4,433 |
| Noninterest expense to average assets | 2.2663% | 4,034 |
| Loan and lease loss provision to assets | 0.1283% | 1,513 |
| Net operating income to assets | 2.0739% | 342 |
| Return on assets (ROA) | 2.0819% | 349 |
| Pretax return on assets | 2.0846% | 569 |
| Return on Equity (ROE) | 21.9365% | 166 |
| Retained earnings to average equity (ytd only) | 9.6588% | 844 |
| Net charge-offs to loans | -0.0225% | 4,613 |
| Credit loss provision to net charge-offs | -685.7143% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6874% | 4,699 |
| Assets per employee ($millions) | 4.2070% | 3,605 |
| Cash dividends to net income (ytd only)* | 55.9693% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,091 |
| Loan loss allowance to noncurrent loans | 69.4864% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.3113% | 919 |
| Noncurrent loans to loans | 1.5652% | 947 |
| Net loans and leases to total assets | 82.8659% | 470 |
| Net loans and leases to deposits | 93.8403% | 1,232 |
| Net loans and leases to core deposits | 103.8709% | 1,334 |
| Total domestic deposits to total assets | 88.3052% | 913 |
| Equity capital to assets | 9.8090% | 4,203 |
| Core capital (leverage) ratio | 9.7805% | 3,877 |
| Tier 1 risk-based capital ratio | 11.5646% | 4,639 |
| Total risk-based capital ratio | 12.6410% | 4,621 |
| Memoranda: | ||
| Average total assets | $49,889,000 | 4,815 |
| Average earning assets | $47,751,250 | 4,782 |
| Average equity | $4,734,750 | 4,979 |
| Average total loans | $41,419,750 | 4,433 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 1,010 |
| Cost of funding earning assets | 0.8217% | 2,538 |
| Net interest margin | 4.3615% | 1,014 |
| Noninterest income to average assets | 0.2093% | 4,488 |
| Noninterest expense to average assets | 2.3022% | 3,997 |
| Loan and lease loss provision to assets | 0.1449% | 1,277 |
| Net operating income to assets | 1.9239% | 447 |
| Return on assets (ROA) | 1.9360% | 463 |
| Pretax return on assets | 1.9400% | 768 |
| Return on Equity (ROE) | 20.6335% | 219 |
| Retained earnings to average equity (ytd only) | 7.2067% | 1,724 |
| Net charge-offs to loans | -0.0243% | 4,611 |
| Credit loss provision to net charge-offs | -720.0000% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6219% | 4,604 |
| Assets per employee ($millions) | 4.5330% | 3,085 |
| Cash dividends to net income (ytd only)* | 65.0728% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,290 |
| Loan loss allowance to noncurrent loans | 4,054.5455% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,672 |
| Noncurrent loans to loans | 0.0261% | 4,593 |
| Net loans and leases to total assets | 83.5890% | 404 |
| Net loans and leases to deposits | 94.4953% | 1,205 |
| Net loans and leases to core deposits | 104.7078% | 1,325 |
| Total domestic deposits to total assets | 88.4584% | 893 |
| Equity capital to assets | 9.5823% | 4,329 |
| Core capital (leverage) ratio | 9.5943% | 4,050 |
| Tier 1 risk-based capital ratio | 11.1828% | 4,842 |
| Total risk-based capital ratio | 12.2291% | 4,836 |
| Memoranda: | ||
| Average total assets | $49,690,670 | 4,853 |
| Average earning assets | $47,460,670 | 4,822 |
| Average equity | $4,662,330 | 5,023 |
| Average total loans | $41,128,330 | 4,469 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,191 |
| Cost of funding earning assets | 0.8196% | 2,424 |
| Net interest margin | 4.2418% | 1,217 |
| Noninterest income to average assets | 0.1774% | 4,686 |
| Noninterest expense to average assets | 2.3062% | 4,006 |
| Loan and lease loss provision to assets | 0.0968% | 1,813 |
| Net operating income to assets | 1.8224% | 547 |
| Return on assets (ROA) | 1.8224% | 564 |
| Pretax return on assets | 1.8224% | 936 |
| Return on Equity (ROE) | 19.6330% | 287 |
| Retained earnings to average equity (ytd only) | 1.5637% | 4,181 |
| Net charge-offs to loans | -0.0197% | 4,484 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5802% | 4,479 |
| Assets per employee ($millions) | 4.4500% | 3,255 |
| Cash dividends to net income (ytd only)* | 92.0354% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,530 |
| Loan loss allowance to noncurrent loans | 312.6866% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 3,515 |
| Noncurrent loans to loans | 0.3290% | 3,390 |
| Net loans and leases to total assets | 82.3412% | 549 |
| Net loans and leases to deposits | 91.2602% | 1,486 |
| Net loans and leases to core deposits | 100.7877% | 1,548 |
| Total domestic deposits to total assets | 90.2268% | 373 |
| Equity capital to assets | 9.4443% | 4,307 |
| Core capital (leverage) ratio | 9.4514% | 4,195 |
| Tier 1 risk-based capital ratio | 11.1406% | 4,914 |
| Total risk-based capital ratio | 12.1516% | 4,923 |
| Memoranda: | ||
| Average total assets | $49,604,500 | 4,905 |
| Average earning assets | $47,338,000 | 4,873 |
| Average equity | $4,604,500 | 5,073 |
| Average total loans | $40,629,500 | 4,521 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 1,216 |
| Cost of funding earning assets | 0.6342% | 2,495 |
| Net interest margin | 4.2904% | 1,183 |
| Noninterest income to average assets | 0.2650% | 4,341 |
| Noninterest expense to average assets | 2.6893% | 3,062 |
| Loan and lease loss provision to assets | 0.0994% | 2,198 |
| Net operating income to assets | 1.5796% | 926 |
| Return on assets (ROA) | 1.5796% | 917 |
| Pretax return on assets | 1.5796% | 1,527 |
| Return on Equity (ROE) | 17.1692% | 478 |
| Retained earnings to average equity (ytd only) | 6.3681% | 1,995 |
| Net charge-offs to loans | -0.0280% | 4,793 |
| Credit loss provision to net charge-offs | -436.3636% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5640% | 3,608 |
| Assets per employee ($millions) | 4.5690% | 3,060 |
| Cash dividends to net income (ytd only)* | 62.9096% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,701 |
| Loan loss allowance to noncurrent loans | 3,115.3846% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,733 |
| Noncurrent loans to loans | 0.0321% | 4,629 |
| Net loans and leases to total assets | 79.8444% | 963 |
| Net loans and leases to deposits | 89.4758% | 1,866 |
| Net loans and leases to core deposits | 98.6552% | 1,820 |
| Total domestic deposits to total assets | 89.2358% | 758 |
| Equity capital to assets | 9.1247% | 4,470 |
| Core capital (leverage) ratio | 9.3502% | 4,302 |
| Tier 1 risk-based capital ratio | 11.1111% | 4,918 |
| Total risk-based capital ratio | 12.0894% | 4,937 |
| Memoranda: | ||
| Average total assets | $48,303,400 | 4,965 |
| Average earning assets | $46,196,600 | 4,931 |
| Average equity | $4,444,000 | 5,115 |
| Average total loans | $39,233,600 | 4,574 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 1,388 |
| Cost of funding earning assets | 0.6072% | 2,418 |
| Net interest margin | 4.2071% | 1,343 |
| Noninterest income to average assets | 0.2621% | 4,399 |
| Noninterest expense to average assets | 2.5041% | 3,586 |
| Loan and lease loss provision to assets | 0.1004% | 1,994 |
| Net operating income to assets | 1.6954% | 757 |
| Return on assets (ROA) | 1.6954% | 755 |
| Pretax return on assets | 1.6954% | 1,289 |
| Return on Equity (ROE) | 18.3883% | 390 |
| Retained earnings to average equity (ytd only) | 6.8955% | 2,180 |
| Net charge-offs to loans | -0.0206% | 4,634 |
| Credit loss provision to net charge-offs | -600.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2361% | 4,082 |
| Assets per employee ($millions) | 4.3964% | 3,278 |
| Cash dividends to net income (ytd only)* | 62.4992% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,926 |
| Loan loss allowance to noncurrent loans | 1,847.6190% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,753 |
| Noncurrent loans to loans | 0.0527% | 4,658 |
| Net loans and leases to total assets | 81.6005% | 781 |
| Net loans and leases to deposits | 91.5464% | 1,682 |
| Net loans and leases to core deposits | 101.3587% | 1,665 |
| Total domestic deposits to total assets | 89.1356% | 798 |
| Equity capital to assets | 9.3445% | 4,230 |
| Core capital (leverage) ratio | 9.5920% | 4,069 |
| Tier 1 risk-based capital ratio | 11.2436% | 4,930 |
| Total risk-based capital ratio | 12.2034% | 4,961 |
| Memoranda: | ||
| Average total assets | $47,814,500 | 5,032 |
| Average earning assets | $45,890,000 | 4,988 |
| Average equity | $4,408,500 | 5,185 |
| Average total loans | $38,908,500 | 4,633 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 1,258 |
| Cost of funding earning assets | 0.5904% | 2,288 |
| Net interest margin | 4.2071% | 1,276 |
| Noninterest income to average assets | 0.2477% | 4,523 |
| Noninterest expense to average assets | 2.4563% | 3,757 |
| Loan and lease loss provision to assets | 0.1008% | 1,933 |
| Net operating income to assets | 1.7299% | 682 |
| Return on assets (ROA) | 1.7299% | 683 |
| Pretax return on assets | 1.7299% | 1,140 |
| Return on Equity (ROE) | 18.8486% | 341 |
| Retained earnings to average equity (ytd only) | 6.0389% | 2,537 |
| Net charge-offs to loans | -0.0207% | 4,587 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2968% | 4,327 |
| Assets per employee ($millions) | 3.8963% | 4,062 |
| Cash dividends to net income (ytd only)* | 67.9612% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,979 |
| Loan loss allowance to noncurrent loans | 2,884.6154% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 4,888 |
| Noncurrent loans to loans | 0.0338% | 4,763 |
| Net loans and leases to total assets | 81.3646% | 799 |
| Net loans and leases to deposits | 90.1533% | 1,820 |
| Net loans and leases to core deposits | 96.9940% | 1,967 |
| Total domestic deposits to total assets | 90.2513% | 484 |
| Equity capital to assets | 9.4835% | 4,121 |
| Core capital (leverage) ratio | 9.2920% | 4,368 |
| Tier 1 risk-based capital ratio | 11.3753% | 4,852 |
| Total risk-based capital ratio | 12.3341% | 4,904 |
| Memoranda: | ||
| Average total assets | $47,632,670 | 5,096 |
| Average earning assets | $45,732,670 | 5,051 |
| Average equity | $4,371,670 | 5,247 |
| Average total loans | $38,594,670 | 4,680 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,431 |
| Cost of funding earning assets | 0.5130% | 2,700 |
| Net interest margin | 4.1390% | 1,340 |
| Noninterest income to average assets | 0.2163% | 4,711 |
| Noninterest expense to average assets | 2.2799% | 4,228 |
| Loan and lease loss provision to assets | 0.0999% | 1,858 |
| Net operating income to assets | 1.7973% | 570 |
| Return on assets (ROA) | 1.7973% | 570 |
| Pretax return on assets | 1.7973% | 915 |
| Return on Equity (ROE) | 19.9055% | 252 |
| Retained earnings to average equity (ytd only) | 3.7784% | 3,683 |
| Net charge-offs to loans | -0.0310% | 4,760 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5817% | 4,733 |
| Assets per employee ($millions) | 3.9603% | 4,045 |
| Cash dividends to net income (ytd only)* | 81.0185% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,272 |
| Loan loss allowance to noncurrent loans | 2,784.6154% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,977 |
| Noncurrent loans to loans | 0.0336% | 4,821 |
| Net loans and leases to total assets | 80.5845% | 857 |
| Net loans and leases to deposits | 92.1420% | 1,441 |
| Net loans and leases to core deposits | 96.2019% | 1,963 |
| Total domestic deposits to total assets | 87.4569% | 1,924 |
| Equity capital to assets | 9.1470% | 4,420 |
| Core capital (leverage) ratio | 9.2643% | 4,363 |
| Tier 1 risk-based capital ratio | 11.1945% | 5,029 |
| Total risk-based capital ratio | 12.1243% | 5,104 |
| Memoranda: | ||
| Average total assets | $48,071,500 | 5,145 |
| Average earning assets | $46,002,000 | 5,105 |
| Average equity | $4,340,500 | 5,309 |
| Average total loans | $38,683,500 | 4,735 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 1,410 |
| Cost of funding earning assets | 0.4262% | 2,993 |
| Net interest margin | 4.1787% | 1,233 |
| Noninterest income to average assets | 0.2452% | 4,661 |
| Noninterest expense to average assets | 2.6752% | 3,214 |
| Loan and lease loss provision to assets | 0.1060% | 2,113 |
| Net operating income to assets | 1.4713% | 865 |
| Return on assets (ROA) | 1.4713% | 875 |
| Pretax return on assets | 1.4713% | 1,743 |
| Return on Equity (ROE) | 15.5906% | 531 |
| Retained earnings to average equity (ytd only) | 5.0096% | 2,121 |
| Net charge-offs to loans | -0.0280% | 5,046 |
| Credit loss provision to net charge-offs | -480.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9091% | 3,795 |
| Assets per employee ($millions) | 4.0516% | 3,881 |
| Cash dividends to net income (ytd only)* | 67.8679% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 4,501 |
| Loan loss allowance to noncurrent loans | 1,384.0000% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,874 |
| Noncurrent loans to loans | 0.0646% | 4,701 |
| Net loans and leases to total assets | 78.9033% | 1,136 |
| Net loans and leases to deposits | 94.3691% | 1,233 |
| Net loans and leases to core deposits | 99.2934% | 1,769 |
| Total domestic deposits to total assets | 83.6113% | 3,350 |
| Equity capital to assets | 8.9142% | 4,804 |
| Core capital (leverage) ratio | 9.2602% | 4,334 |
| Tier 1 risk-based capital ratio | 10.7909% | 5,256 |
| Total risk-based capital ratio | 11.6558% | 5,316 |
| Memoranda: | ||
| Average total assets | $45,267,600 | 5,245 |
| Average earning assets | $43,410,600 | 5,198 |
| Average equity | $4,271,800 | 5,382 |
| Average total loans | $35,746,600 | 4,855 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 1,471 |
| Cost of funding earning assets | 0.3991% | 3,200 |
| Net interest margin | 4.1629% | 1,245 |
| Noninterest income to average assets | 0.2491% | 4,718 |
| Noninterest expense to average assets | 2.3767% | 4,073 |
| Loan and lease loss provision to assets | 0.1080% | 1,972 |
| Net operating income to assets | 1.7705% | 497 |
| Return on assets (ROA) | 1.7705% | 513 |
| Pretax return on assets | 1.7705% | 958 |
| Return on Equity (ROE) | 18.4822% | 302 |
| Retained earnings to average equity (ytd only) | 8.3639% | 1,069 |
| Net charge-offs to loans | -0.0305% | 5,002 |
| Credit loss provision to net charge-offs | -450.0000% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8533% | 4,764 |
| Assets per employee ($millions) | 3.7563% | 4,361 |
| Cash dividends to net income (ytd only)* | 54.7461% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 4,421 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,935 |
| Noncurrent loans to loans | 0.0755% | 4,776 |
| Net loans and leases to total assets | 78.5584% | 1,186 |
| Net loans and leases to deposits | 90.7346% | 1,722 |
| Net loans and leases to core deposits | 95.6770% | 2,111 |
| Total domestic deposits to total assets | 86.5804% | 2,054 |
| Equity capital to assets | 9.8057% | 4,141 |
| Core capital (leverage) ratio | 9.8094% | 3,808 |
| Tier 1 risk-based capital ratio | 11.6767% | 4,841 |
| Total risk-based capital ratio | 12.5665% | 4,950 |
| Memoranda: | ||
| Average total assets | $44,429,750 | 5,318 |
| Average earning assets | $42,757,250 | 5,270 |
| Average equity | $4,256,250 | 5,446 |
| Average total loans | $35,006,250 | 4,918 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,665 |
| Cost of funding earning assets | 0.3760% | 3,327 |
| Net interest margin | 4.0749% | 1,394 |
| Noninterest income to average assets | 0.2397% | 4,804 |
| Noninterest expense to average assets | 2.3838% | 4,096 |
| Loan and lease loss provision to assets | 0.1086% | 1,877 |
| Net operating income to assets | 1.6691% | 599 |
| Return on assets (ROA) | 1.6691% | 621 |
| Pretax return on assets | 1.6691% | 1,127 |
| Return on Equity (ROE) | 17.5644% | 364 |
| Retained earnings to average equity (ytd only) | 6.2832% | 1,971 |
| Net charge-offs to loans | -0.0345% | 5,023 |
| Credit loss provision to net charge-offs | -400.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2826% | 4,677 |
| Assets per employee ($millions) | 3.4302% | 4,823 |
| Cash dividends to net income (ytd only)* | 64.2276% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,711 |
| Loan loss allowance to noncurrent loans | 1,096.5517% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,945 |
| Noncurrent loans to loans | 0.0804% | 4,813 |
| Net loans and leases to total assets | 80.1758% | 925 |
| Net loans and leases to deposits | 92.3824% | 1,445 |
| Net loans and leases to core deposits | 97.4594% | 1,852 |
| Total domestic deposits to total assets | 86.7869% | 2,045 |
| Equity capital to assets | 9.6250% | 4,290 |
| Core capital (leverage) ratio | 9.5927% | 4,024 |
| Tier 1 risk-based capital ratio | 11.2591% | 5,110 |
| Total risk-based capital ratio | 12.1045% | 5,246 |
| Memoranda: | ||
| Average total assets | $44,214,330 | 5,363 |
| Average earning assets | $42,552,670 | 5,320 |
| Average equity | $4,201,670 | 5,494 |
| Average total loans | $34,760,330 | 4,961 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 1,820 |
| Cost of funding earning assets | 0.3396% | 3,635 |
| Net interest margin | 4.0089% | 1,451 |
| Noninterest income to average assets | 0.1908% | 5,131 |
| Noninterest expense to average assets | 2.3895% | 4,145 |
| Loan and lease loss provision to assets | 0.0909% | 2,027 |
| Net operating income to assets | 1.5718% | 716 |
| Return on assets (ROA) | 1.5718% | 737 |
| Pretax return on assets | 1.5718% | 1,309 |
| Return on Equity (ROE) | 16.6486% | 446 |
| Retained earnings to average equity (ytd only) | 0.9623% | 4,672 |
| Net charge-offs to loans | -0.0352% | 5,009 |
| Credit loss provision to net charge-offs | -333.3333% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9686% | 4,592 |
| Assets per employee ($millions) | 3.6844% | 4,526 |
| Cash dividends to net income (ytd only)* | 94.2197% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,888 |
| Loan loss allowance to noncurrent loans | 1,037.9310% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 5,010 |
| Noncurrent loans to loans | 0.0831% | 4,864 |
| Net loans and leases to total assets | 78.2869% | 1,090 |
| Net loans and leases to deposits | 92.4270% | 1,280 |
| Net loans and leases to core deposits | 93.7184% | 2,007 |
| Total domestic deposits to total assets | 84.7013% | 3,217 |
| Equity capital to assets | 9.4271% | 4,366 |
| Core capital (leverage) ratio | 9.5660% | 4,040 |
| Tier 1 risk-based capital ratio | 11.2589% | 5,164 |
| Total risk-based capital ratio | 12.0829% | 5,314 |
| Memoranda: | ||
| Average total assets | $44,025,500 | 5,421 |
| Average earning assets | $42,406,000 | 5,380 |
| Average equity | $4,156,500 | 5,554 |
| Average total loans | $34,105,500 | 5,027 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 2,197 |
| Cost of funding earning assets | 0.3474% | 3,540 |
| Net interest margin | 3.9363% | 1,828 |
| Noninterest income to average assets | 0.2197% | 5,093 |
| Noninterest expense to average assets | 2.6232% | 3,609 |
| Loan and lease loss provision to assets | 0.1087% | 2,237 |
| Net operating income to assets | 1.2867% | 1,245 |
| Return on assets (ROA) | 1.2867% | 1,316 |
| Pretax return on assets | 1.2867% | 2,324 |
| Return on Equity (ROE) | 13.6755% | 827 |
| Retained earnings to average equity (ytd only) | 3.0818% | 3,708 |
| Net charge-offs to loans | -0.0220% | 5,154 |
| Credit loss provision to net charge-offs | -685.7143% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2762% | 3,712 |
| Assets per employee ($millions) | 3.6532% | 4,537 |
| Cash dividends to net income (ytd only)* | 77.4648% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,914 |
| Loan loss allowance to noncurrent loans | 1,440.0000% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,159 |
| Noncurrent loans to loans | 0.0601% | 5,001 |
| Net loans and leases to total assets | 75.2977% | 1,633 |
| Net loans and leases to deposits | 84.4155% | 2,368 |
| Net loans and leases to core deposits | 84.9609% | 2,933 |
| Total domestic deposits to total assets | 89.1989% | 1,015 |
| Equity capital to assets | 9.4553% | 4,317 |
| Core capital (leverage) ratio | 9.5968% | 3,969 |
| Tier 1 risk-based capital ratio | 11.6394% | 4,959 |
| Total risk-based capital ratio | 12.4564% | 5,115 |
| Memoranda: | ||
| Average total assets | $44,145,000 | 5,464 |
| Average earning assets | $42,603,200 | 5,411 |
| Average equity | $4,153,400 | 5,619 |
| Average total loans | $31,752,800 | 5,141 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 2,313 |
| Cost of funding earning assets | 0.3526% | 3,510 |
| Net interest margin | 3.9041% | 1,964 |
| Noninterest income to average assets | 0.2261% | 5,113 |
| Noninterest expense to average assets | 2.2341% | 4,680 |
| Loan and lease loss provision to assets | 0.1266% | 1,848 |
| Net operating income to assets | 1.6372% | 676 |
| Return on assets (ROA) | 1.6372% | 710 |
| Pretax return on assets | 1.6372% | 1,281 |
| Return on Equity (ROE) | 17.4222% | 400 |
| Retained earnings to average equity (ytd only) | 5.9678% | 2,201 |
| Net charge-offs to loans | -0.0383% | 5,268 |
| Credit loss provision to net charge-offs | -466.6667% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8824% | 5,076 |
| Assets per employee ($millions) | 3.5837% | 4,664 |
| Cash dividends to net income (ytd only)* | 65.7463% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 4,984 |
| Loan loss allowance to noncurrent loans | 1,136.0000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,214 |
| Noncurrent loans to loans | 0.0762% | 5,044 |
| Net loans and leases to total assets | 75.6232% | 1,591 |
| Net loans and leases to deposits | 88.2955% | 1,980 |
| Net loans and leases to core deposits | 88.9013% | 2,670 |
| Total domestic deposits to total assets | 85.6478% | 2,536 |
| Equity capital to assets | 9.9479% | 4,175 |
| Core capital (leverage) ratio | 9.6277% | 4,026 |
| Tier 1 risk-based capital ratio | 11.9907% | 4,792 |
| Total risk-based capital ratio | 12.8091% | 4,966 |
| Memoranda: | ||
| Average total assets | $44,221,750 | 5,514 |
| Average earning assets | $42,723,500 | 5,462 |
| Average equity | $4,155,500 | 5,682 |
| Average total loans | $31,366,750 | 5,204 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 2,572 |
| Cost of funding earning assets | 0.3529% | 3,533 |
| Net interest margin | 3.8264% | 2,221 |
| Noninterest income to average assets | 0.2062% | 5,265 |
| Noninterest expense to average assets | 2.1691% | 4,915 |
| Loan and lease loss provision to assets | 0.1613% | 1,406 |
| Net operating income to assets | 1.5685% | 778 |
| Return on assets (ROA) | 1.5685% | 818 |
| Pretax return on assets | 1.5685% | 1,464 |
| Return on Equity (ROE) | 17.0123% | 439 |
| Retained earnings to average equity (ytd only) | 3.7913% | 3,476 |
| Net charge-offs to loans | -0.0389% | 5,250 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6322% | 5,183 |
| Assets per employee ($millions) | 3.9866% | 3,931 |
| Cash dividends to net income (ytd only)* | 77.7143% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 5,108 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 5,330 |
| Noncurrent loans to loans | 0.0779% | 5,136 |
| Net loans and leases to total assets | 72.5469% | 2,082 |
| Net loans and leases to deposits | 80.4095% | 2,881 |
| Net loans and leases to core deposits | 81.4511% | 3,326 |
| Total domestic deposits to total assets | 90.2219% | 403 |
| Equity capital to assets | 9.5524% | 4,713 |
| Core capital (leverage) ratio | 9.3523% | 4,392 |
| Tier 1 risk-based capital ratio | 11.9111% | 4,886 |
| Total risk-based capital ratio | 12.7193% | 5,064 |
| Memoranda: | ||
| Average total assets | $44,627,670 | 5,569 |
| Average earning assets | $43,069,670 | 5,516 |
| Average equity | $4,114,670 | 5,749 |
| Average total loans | $30,887,330 | 5,271 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 2,896 |
| Cost of funding earning assets | 0.3498% | 3,599 |
| Net interest margin | 3.7372% | 2,532 |
| Noninterest income to average assets | 0.1599% | 5,533 |
| Noninterest expense to average assets | 2.1415% | 5,031 |
| Loan and lease loss provision to assets | 0.1244% | 1,701 |
| Net operating income to assets | 1.5017% | 847 |
| Return on assets (ROA) | 1.5017% | 890 |
| Pretax return on assets | 1.5017% | 1,581 |
| Return on Equity (ROE) | 16.5788% | 480 |
| Retained earnings to average equity (ytd only) | -3.3354% | 5,506 |
| Net charge-offs to loans | -0.0396% | 5,205 |
| Credit loss provision to net charge-offs | -466.6667% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8396% | 5,113 |
| Assets per employee ($millions) | 4.3824% | 3,270 |
| Cash dividends to net income (ytd only)* | 120.1183% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 5,302 |
| Loan loss allowance to noncurrent loans | 1,086.9565% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 5,409 |
| Noncurrent loans to loans | 0.0758% | 5,172 |
| Net loans and leases to total assets | 68.7112% | 2,540 |
| Net loans and leases to deposits | 76.8869% | 3,122 |
| Net loans and leases to core deposits | 77.8953% | 3,498 |
| Total domestic deposits to total assets | 89.3666% | 911 |
| Equity capital to assets | 9.2917% | 4,893 |
| Core capital (leverage) ratio | 9.0567% | 4,789 |
| Tier 1 risk-based capital ratio | 11.9361% | 4,950 |
| Total risk-based capital ratio | 12.6930% | 5,164 |
| Memoranda: | ||
| Average total assets | $45,015,000 | 5,616 |
| Average earning assets | $43,455,500 | 5,560 |
| Average equity | $4,077,500 | 5,799 |
| Average total loans | $30,286,500 | 5,328 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 4,182 |
| Cost of funding earning assets | 0.3629% | 3,553 |
| Net interest margin | 3.3907% | 3,949 |
| Noninterest income to average assets | 0.1961% | 5,412 |
| Noninterest expense to average assets | 2.2351% | 4,964 |
| Loan and lease loss provision to assets | 0.0267% | 3,853 |
| Net operating income to assets | 1.2033% | 1,532 |
| Return on assets (ROA) | 1.1944% | 1,642 |
| Pretax return on assets | 1.1944% | 2,679 |
| Return on Equity (ROE) | 13.3606% | 982 |
| Retained earnings to average equity (ytd only) | 4.3621% | 2,875 |
| Net charge-offs to loans | 0.0670% | 2,903 |
| Credit loss provision to net charge-offs | 66.6667% | 3,173 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,436 |
| Efficiency ratio | 64.5016% | 4,167 |
| Assets per employee ($millions) | 4.6206% | 2,854 |
| Cash dividends to net income (ytd only)* | 67.3507% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 5,483 |
| Loan loss allowance to noncurrent loans | 970.8333% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 5,467 |
| Noncurrent loans to loans | 0.0794% | 5,184 |
| Net loans and leases to total assets | 64.8790% | 3,141 |
| Net loans and leases to deposits | 73.5729% | 3,546 |
| Net loans and leases to core deposits | 74.0307% | 3,939 |
| Total domestic deposits to total assets | 88.1834% | 1,539 |
| Equity capital to assets | 8.8365% | 5,277 |
| Core capital (leverage) ratio | 9.0551% | 4,814 |
| Tier 1 risk-based capital ratio | 12.1146% | 4,881 |
| Total risk-based capital ratio | 12.8245% | 5,117 |
| Memoranda: | ||
| Average total assets | $44,874,800 | 5,661 |
| Average earning assets | $43,265,800 | 5,600 |
| Average equity | $4,011,800 | 5,849 |
| Average total loans | $26,860,400 | 5,494 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,364 |
| Cost of funding earning assets | 0.3687% | 3,563 |
| Net interest margin | 3.3495% | 4,143 |
| Noninterest income to average assets | 0.2065% | 5,411 |
| Noninterest expense to average assets | 2.0953% | 5,281 |
| Loan and lease loss provision to assets | 0.0269% | 3,720 |
| Net operating income to assets | 1.3201% | 1,289 |
| Return on assets (ROA) | 1.3081% | 1,369 |
| Pretax return on assets | 1.3081% | 2,362 |
| Return on Equity (ROE) | 14.5881% | 795 |
| Retained earnings to average equity (ytd only) | 4.9074% | 2,980 |
| Net charge-offs to loans | 0.1025% | 2,110 |
| Credit loss provision to net charge-offs | 45.0000% | 3,100 |
| Earnings coverage of net charge-offs (x) | 22.4968% | 1,776 |
| Efficiency ratio | 60.8696% | 4,760 |
| Assets per employee ($millions) | 4.3040% | 3,313 |
| Cash dividends to net income (ytd only)* | 66.3623% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 5,399 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 5,199 |
| Noncurrent loans to loans | 0.2215% | 4,770 |
| Net loans and leases to total assets | 62.3931% | 3,551 |
| Net loans and leases to deposits | 69.6295% | 4,030 |
| Net loans and leases to core deposits | 70.7336% | 4,302 |
| Total domestic deposits to total assets | 89.6073% | 730 |
| Equity capital to assets | 9.5469% | 4,696 |
| Core capital (leverage) ratio | 9.1047% | 4,876 |
| Tier 1 risk-based capital ratio | 13.0753% | 4,390 |
| Total risk-based capital ratio | 13.8302% | 4,599 |
| Memoranda: | ||
| Average total assets | $44,542,000 | 5,742 |
| Average earning assets | $43,029,750 | 5,678 |
| Average equity | $3,994,000 | 5,932 |
| Average total loans | $26,022,750 | 5,582 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5704% | 4,806 |
| Cost of funding earning assets | 0.3639% | 3,661 |
| Net interest margin | 3.2064% | 4,643 |
| Noninterest income to average assets | 0.2043% | 5,460 |
| Noninterest expense to average assets | 2.0825% | 5,376 |
| Loan and lease loss provision to assets | 0.0266% | 3,604 |
| Net operating income to assets | 1.1855% | 1,649 |
| Return on assets (ROA) | 1.1678% | 1,781 |
| Pretax return on assets | 1.1678% | 2,907 |
| Return on Equity (ROE) | 13.2974% | 1,058 |
| Retained earnings to average equity (ytd only) | 1.4662% | 4,967 |
| Net charge-offs to loans | 0.1714% | 1,440 |
| Credit loss provision to net charge-offs | 27.2727% | 2,947 |
| Earnings coverage of net charge-offs (x) | 12.4091% | 2,207 |
| Efficiency ratio | 63.2075% | 4,484 |
| Assets per employee ($millions) | 4.3375% | 3,234 |
| Cash dividends to net income (ytd only)* | 88.9734% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 5,383 |
| Loan loss allowance to noncurrent loans | 95.2991% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 3,815 |
| Noncurrent loans to loans | 0.9202% | 2,828 |
| Net loans and leases to total assets | 58.1118% | 4,087 |
| Net loans and leases to deposits | 64.1129% | 4,521 |
| Net loans and leases to core deposits | 64.6888% | 4,760 |
| Total domestic deposits to total assets | 90.6398% | 403 |
| Equity capital to assets | 9.1182% | 5,126 |
| Core capital (leverage) ratio | 8.8839% | 5,113 |
| Tier 1 risk-based capital ratio | 13.3956% | 4,279 |
| Total risk-based capital ratio | 14.1753% | 4,478 |
| Memoranda: | ||
| Average total assets | $45,042,670 | 5,791 |
| Average earning assets | $43,412,670 | 5,728 |
| Average equity | $3,955,670 | 5,999 |
| Average total loans | $25,669,670 | 5,645 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 5,390 |
| Cost of funding earning assets | 0.3533% | 3,822 |
| Net interest margin | 2.9712% | 5,292 |
| Noninterest income to average assets | 0.1657% | 5,742 |
| Noninterest expense to average assets | 2.0577% | 5,475 |
| Loan and lease loss provision to assets | 0.0174% | 3,495 |
| Net operating income to assets | 0.9504% | 2,508 |
| Return on assets (ROA) | 0.9504% | 2,642 |
| Pretax return on assets | 0.9504% | 3,692 |
| Return on Equity (ROE) | 11.0212% | 1,628 |
| Retained earnings to average equity (ytd only) | -8.2912% | 6,088 |
| Net charge-offs to loans | 0.0465% | 2,328 |
| Credit loss provision to net charge-offs | 66.6667% | 1,941 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,023 |
| Efficiency ratio | 68.0115% | 3,822 |
| Assets per employee ($millions) | 4.4649% | 3,110 |
| Cash dividends to net income (ytd only)* | 175.2294% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 5,142 |
| Loan loss allowance to noncurrent loans | 97.9424% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 3,861 |
| Noncurrent loans to loans | 0.9973% | 2,767 |
| Net loans and leases to total assets | 54.0370% | 4,441 |
| Net loans and leases to deposits | 61.9594% | 4,574 |
| Net loans and leases to core deposits | 62.5214% | 4,812 |
| Total domestic deposits to total assets | 87.2136% | 2,260 |
| Equity capital to assets | 8.8020% | 5,499 |
| Core capital (leverage) ratio | 8.2962% | 5,728 |
| Tier 1 risk-based capital ratio | 13.3278% | 4,414 |
| Total risk-based capital ratio | 14.1808% | 4,562 |
| Memoranda: | ||
| Average total assets | $45,876,500 | 5,823 |
| Average earning assets | $44,157,000 | 5,753 |
| Average equity | $3,956,000 | 6,056 |
| Average total loans | $25,790,000 | 5,689 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 4,964 |
| Cost of funding earning assets | 0.3940% | 3,749 |
| Net interest margin | 3.2466% | 4,765 |
| Noninterest income to average assets | 0.2575% | 5,288 |
| Noninterest expense to average assets | 2.2168% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1574% | 1,739 |
| Return on assets (ROA) | 1.1574% | 1,807 |
| Pretax return on assets | 1.1574% | 2,835 |
| Return on Equity (ROE) | 13.1886% | 1,094 |
| Retained earnings to average equity (ytd only) | 5.7635% | 2,087 |
| Net charge-offs to loans | -0.0402% | 5,862 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6989% | 4,304 |
| Assets per employee ($millions) | 4.7104% | 2,715 |
| Cash dividends to net income (ytd only)* | 56.2992% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 5,535 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 4,108 |
| Noncurrent loans to loans | 0.8782% | 3,123 |
| Net loans and leases to total assets | 57.2690% | 4,161 |
| Net loans and leases to deposits | 66.0820% | 4,318 |
| Net loans and leases to core deposits | 67.3188% | 4,568 |
| Total domestic deposits to total assets | 86.6636% | 2,477 |
| Equity capital to assets | 8.4536% | 5,790 |
| Core capital (leverage) ratio | 8.5854% | 5,463 |
| Tier 1 risk-based capital ratio | 12.2767% | 5,175 |
| Total risk-based capital ratio | 13.0487% | 5,400 |
| Memoranda: | ||
| Average total assets | $43,892,000 | 5,932 |
| Average earning assets | $42,136,600 | 5,867 |
| Average equity | $3,851,800 | 6,119 |
| Average total loans | $24,871,800 | 5,784 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,948 |
| Cost of funding earning assets | 0.4051% | 3,729 |
| Net interest margin | 3.2631% | 4,749 |
| Noninterest income to average assets | 0.2878% | 5,142 |
| Noninterest expense to average assets | 2.1536% | 5,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2748% | 1,453 |
| Return on assets (ROA) | 1.2748% | 1,508 |
| Pretax return on assets | 1.2748% | 2,480 |
| Return on Equity (ROE) | 14.3829% | 919 |
| Retained earnings to average equity (ytd only) | 6.2489% | 2,250 |
| Net charge-offs to loans | -0.0384% | 5,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8159% | 4,760 |
| Assets per employee ($millions) | 4.1850% | 3,517 |
| Cash dividends to net income (ytd only)* | 56.5536% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 5,468 |
| Loan loss allowance to noncurrent loans | 93.6508% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6022% | 4,037 |
| Noncurrent loans to loans | 1.0031% | 3,057 |
| Net loans and leases to total assets | 59.4624% | 3,873 |
| Net loans and leases to deposits | 69.7176% | 3,951 |
| Net loans and leases to core deposits | 69.7176% | 4,350 |
| Total domestic deposits to total assets | 85.2903% | 3,222 |
| Equity capital to assets | 9.4241% | 4,889 |
| Core capital (leverage) ratio | 8.6789% | 5,467 |
| Tier 1 risk-based capital ratio | 13.2859% | 4,680 |
| Total risk-based capital ratio | 14.1205% | 4,856 |
| Memoranda: | ||
| Average total assets | $43,089,000 | 6,022 |
| Average earning assets | $41,472,250 | 5,958 |
| Average equity | $3,819,250 | 6,194 |
| Average total loans | $24,286,000 | 5,873 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 5,089 |
| Cost of funding earning assets | 0.4020% | 3,848 |
| Net interest margin | 3.2209% | 4,869 |
| Noninterest income to average assets | 0.3126% | 4,918 |
| Noninterest expense to average assets | 2.1102% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2965% | 1,321 |
| Return on assets (ROA) | 1.2965% | 1,370 |
| Pretax return on assets | 1.2965% | 2,263 |
| Return on Equity (ROE) | 14.9298% | 803 |
| Retained earnings to average equity (ytd only) | 6.3002% | 2,154 |
| Net charge-offs to loans | -0.0417% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9433% | 5,017 |
| Assets per employee ($millions) | 4.3908% | 3,101 |
| Cash dividends to net income (ytd only)* | 57.8014% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 5,618 |
| Loan loss allowance to noncurrent loans | 111.9617% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 4,576 |
| Noncurrent loans to loans | 0.8346% | 3,614 |
| Net loans and leases to total assets | 56.5000% | 4,201 |
| Net loans and leases to deposits | 65.3737% | 4,340 |
| Net loans and leases to core deposits | 65.3737% | 4,696 |
| Total domestic deposits to total assets | 86.4262% | 2,805 |
| Equity capital to assets | 8.8890% | 5,423 |
| Core capital (leverage) ratio | 8.3531% | 5,797 |
| Tier 1 risk-based capital ratio | 12.9465% | 4,945 |
| Total risk-based capital ratio | 13.7659% | 5,141 |
| Memoranda: | ||
| Average total assets | $43,502,000 | 6,069 |
| Average earning assets | $41,789,000 | 6,007 |
| Average equity | $3,777,670 | 6,249 |
| Average total loans | $24,007,670 | 5,929 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 5,448 |
| Cost of funding earning assets | 0.3943% | 4,045 |
| Net interest margin | 3.0969% | 5,265 |
| Noninterest income to average assets | 0.1663% | 5,984 |
| Noninterest expense to average assets | 2.1248% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0162% | 2,147 |
| Return on assets (ROA) | 1.0162% | 2,212 |
| Pretax return on assets | 1.0162% | 3,262 |
| Return on Equity (ROE) | 11.8439% | 1,454 |
| Retained earnings to average equity (ytd only) | -0.8614% | 5,703 |
| Net charge-offs to loans | -0.0341% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6471% | 4,239 |
| Assets per employee ($millions) | 4.3255% | 3,294 |
| Cash dividends to net income (ytd only)* | 107.2727% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 5,656 |
| Loan loss allowance to noncurrent loans | 679.4118% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 5,398 |
| Noncurrent loans to loans | 0.1416% | 5,673 |
| Net loans and leases to total assets | 54.9763% | 4,283 |
| Net loans and leases to deposits | 63.4590% | 4,378 |
| Net loans and leases to core deposits | 63.4590% | 4,736 |
| Total domestic deposits to total assets | 86.6328% | 3,024 |
| Equity capital to assets | 8.6140% | 5,534 |
| Core capital (leverage) ratio | 8.4667% | 5,685 |
| Tier 1 risk-based capital ratio | 13.0243% | 4,992 |
| Total risk-based capital ratio | 13.8668% | 5,183 |
| Memoranda: | ||
| Average total assets | $43,299,000 | 6,132 |
| Average earning assets | $41,590,500 | 6,069 |
| Average equity | $3,715,000 | 6,304 |
| Average total loans | $23,490,500 | 6,005 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 5,182 |
| Cost of funding earning assets | 0.5137% | 3,465 |
| Net interest margin | 3.1700% | 5,092 |
| Noninterest income to average assets | -0.0480% | 6,691 |
| Noninterest expense to average assets | 2.2788% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7076% | 3,761 |
| Return on assets (ROA) | 0.7076% | 3,845 |
| Pretax return on assets | 0.7076% | 4,512 |
| Return on Equity (ROE) | 7.9105% | 3,073 |
| Retained earnings to average equity (ytd only) | 2.5743% | 4,420 |
| Net charge-offs to loans | -0.0458% | 6,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3052% | 2,724 |
| Assets per employee ($millions) | 4.8159% | 2,423 |
| Cash dividends to net income (ytd only)* | 67.4576% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 5,586 |
| Loan loss allowance to noncurrent loans | 673.5294% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 5,397 |
| Noncurrent loans to loans | 0.1480% | 5,755 |
| Net loans and leases to total assets | 52.4675% | 4,791 |
| Net loans and leases to deposits | 59.0261% | 5,035 |
| Net loans and leases to core deposits | 59.0261% | 5,304 |
| Total domestic deposits to total assets | 88.8886% | 1,703 |
| Equity capital to assets | 8.5458% | 5,538 |
| Core capital (leverage) ratio | 8.6422% | 5,489 |
| Tier 1 risk-based capital ratio | 13.4266% | 4,703 |
| Total risk-based capital ratio | 14.2857% | 4,897 |
| Memoranda: | ||
| Average total assets | $41,688,600 | 6,236 |
| Average earning assets | $39,905,800 | 6,172 |
| Average equity | $3,729,200 | 6,385 |
| Average total loans | $21,829,400 | 6,122 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 5,107 |
| Cost of funding earning assets | 0.5326% | 3,442 |
| Net interest margin | 3.1888% | 5,032 |
| Noninterest income to average assets | -0.0969% | 6,809 |
| Noninterest expense to average assets | 2.2386% | 5,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7204% | 3,752 |
| Return on assets (ROA) | 0.7204% | 3,887 |
| Pretax return on assets | 0.7204% | 4,606 |
| Return on Equity (ROE) | 7.9596% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.1057% | 5,062 |
| Net charge-offs to loans | -0.0433% | 6,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6550% | 2,780 |
| Assets per employee ($millions) | 4.1960% | 3,429 |
| Cash dividends to net income (ytd only)* | 73.5412% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 5,797 |
| Loan loss allowance to noncurrent loans | 53.8095% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.2560% | 3,125 |
| Noncurrent loans to loans | 1.8249% | 2,462 |
| Net loans and leases to total assets | 54.3112% | 4,559 |
| Net loans and leases to deposits | 63.5676% | 4,561 |
| Net loans and leases to core deposits | 63.5676% | 4,937 |
| Total domestic deposits to total assets | 85.4385% | 3,528 |
| Equity capital to assets | 8.8513% | 5,361 |
| Core capital (leverage) ratio | 8.6705% | 5,574 |
| Tier 1 risk-based capital ratio | 13.4610% | 4,783 |
| Total risk-based capital ratio | 14.3199% | 5,031 |
| Memoranda: | ||
| Average total assets | $41,275,000 | 6,323 |
| Average earning assets | $39,554,500 | 6,251 |
| Average equity | $3,735,500 | 6,459 |
| Average total loans | $21,544,250 | 6,199 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 5,014 |
| Cost of funding earning assets | 0.5499% | 3,413 |
| Net interest margin | 3.1927% | 4,976 |
| Noninterest income to average assets | -0.1657% | 6,864 |
| Noninterest expense to average assets | 2.2170% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6724% | 3,944 |
| Return on assets (ROA) | 0.6724% | 4,107 |
| Pretax return on assets | 0.6724% | 4,771 |
| Return on Equity (ROE) | 7.3744% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | -0.0380% | 6,161 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7285% | 2,679 |
| Assets per employee ($millions) | 4.4746% | 2,853 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,588 |
| Loan loss allowance to noncurrent loans | 602.7027% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 5,131 |
| Noncurrent loans to loans | 0.1756% | 5,878 |
| Net loans and leases to total assets | 51.7544% | 4,895 |
| Net loans and leases to deposits | 56.9952% | 5,247 |
| Net loans and leases to core deposits | 56.9952% | 5,524 |
| Total domestic deposits to total assets | 90.8048% | 622 |
| Equity capital to assets | 8.8923% | 5,333 |
| Core capital (leverage) ratio | 8.5234% | 5,644 |
| Tier 1 risk-based capital ratio | 14.1252% | 4,341 |
| Total risk-based capital ratio | 15.0296% | 4,552 |
| Memoranda: | ||
| Average total assets | $41,046,670 | 6,376 |
| Average earning assets | $39,277,330 | 6,303 |
| Average equity | $3,742,670 | 6,505 |
| Average total loans | $21,054,000 | 6,249 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 5,111 |
| Cost of funding earning assets | 0.5668% | 3,408 |
| Net interest margin | 3.1477% | 5,102 |
| Noninterest income to average assets | -0.0676% | 6,907 |
| Noninterest expense to average assets | 2.2107% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7240% | 3,571 |
| Return on assets (ROA) | 0.7240% | 3,707 |
| Pretax return on assets | 0.7240% | 4,469 |
| Return on Equity (ROE) | 7.8462% | 3,054 |
| Retained earnings to average equity (ytd only) | -3.4523% | 6,229 |
| Net charge-offs to loans | -0.0190% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3289% | 3,039 |
| Assets per employee ($millions) | 4.1167% | 3,704 |
| Cash dividends to net income (ytd only)* | 144.0000% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,599 |
| Loan loss allowance to noncurrent loans | 578.9474% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 4,394 |
| Noncurrent loans to loans | 0.1904% | 5,926 |
| Net loans and leases to total assets | 47.9437% | 5,235 |
| Net loans and leases to deposits | 53.0450% | 5,517 |
| Net loans and leases to core deposits | 53.0450% | 5,746 |
| Total domestic deposits to total assets | 90.3831% | 828 |
| Equity capital to assets | 9.2137% | 5,235 |
| Core capital (leverage) ratio | 8.4582% | 5,640 |
| Tier 1 risk-based capital ratio | 14.5245% | 4,156 |
| Total risk-based capital ratio | 15.4507% | 4,326 |
| Memoranda: | ||
| Average total assets | $41,434,500 | 6,424 |
| Average earning assets | $39,521,000 | 6,348 |
| Average equity | $3,823,500 | 6,550 |
| Average total loans | $21,048,500 | 6,310 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 4,968 |
| Cost of funding earning assets | 0.6997% | 3,496 |
| Net interest margin | 3.3955% | 4,897 |
| Noninterest income to average assets | 0.1536% | 6,266 |
| Noninterest expense to average assets | 2.6489% | 4,575 |
| Loan and lease loss provision to assets | 0.0768% | 4,754 |
| Net operating income to assets | 0.6543% | 3,969 |
| Return on assets (ROA) | 0.6543% | 4,232 |
| Pretax return on assets | 0.6543% | 4,812 |
| Return on Equity (ROE) | 6.4884% | 3,920 |
| Retained earnings to average equity (ytd only) | 2.5743% | 4,412 |
| Net charge-offs to loans | -0.0530% | 6,717 |
| Credit loss provision to net charge-offs | -263.6364% | 6,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3699% | 2,383 |
| Assets per employee ($millions) | 4.1702% | 3,613 |
| Cash dividends to net income (ytd only)* | 60.3239% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,002 |
| Loan loss allowance to noncurrent loans | 561.5385% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 4,336 |
| Noncurrent loans to loans | 0.1762% | 6,037 |
| Net loans and leases to total assets | 52.5658% | 4,831 |
| Net loans and leases to deposits | 58.1629% | 5,222 |
| Net loans and leases to core deposits | 58.6829% | 5,483 |
| Total domestic deposits to total assets | 90.3770% | 762 |
| Equity capital to assets | 9.2418% | 5,218 |
| Core capital (leverage) ratio | 8.8988% | 5,043 |
| Tier 1 risk-based capital ratio | 13.5779% | 4,692 |
| Total risk-based capital ratio | 14.4316% | 4,916 |
| Memoranda: | ||
| Average total assets | $37,751,800 | 6,563 |
| Average earning assets | $35,870,600 | 6,505 |
| Average equity | $3,806,800 | 6,610 |
| Average total loans | $20,767,600 | 6,389 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 4,647 |
| Cost of funding earning assets | 0.7312% | 3,505 |
| Net interest margin | 3.5188% | 4,570 |
| Noninterest income to average assets | 0.2103% | 6,034 |
| Noninterest expense to average assets | 2.7707% | 4,089 |
| Loan and lease loss provision to assets | 0.0653% | 4,885 |
| Net operating income to assets | 0.7253% | 3,799 |
| Return on assets (ROA) | 0.7253% | 4,047 |
| Pretax return on assets | 0.7253% | 4,769 |
| Return on Equity (ROE) | 7.0266% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.8458% | 4,842 |
| Net charge-offs to loans | -0.0457% | 6,685 |
| Credit loss provision to net charge-offs | -257.1429% | 6,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8004% | 2,420 |
| Assets per employee ($millions) | 3.7139% | 4,506 |
| Cash dividends to net income (ytd only)* | 59.4990% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,085 |
| Loan loss allowance to noncurrent loans | 510.0000% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 4,327 |
| Noncurrent loans to loans | 0.1961% | 6,118 |
| Net loans and leases to total assets | 54.3849% | 4,696 |
| Net loans and leases to deposits | 61.0857% | 5,073 |
| Net loans and leases to core deposits | 61.7091% | 5,385 |
| Total domestic deposits to total assets | 89.0304% | 1,410 |
| Equity capital to assets | 10.4849% | 3,863 |
| Core capital (leverage) ratio | 9.3145% | 4,558 |
| Tier 1 risk-based capital ratio | 14.9071% | 3,915 |
| Total risk-based capital ratio | 15.7847% | 4,132 |
| Memoranda: | ||
| Average total assets | $36,764,250 | 6,671 |
| Average earning assets | $35,010,750 | 6,617 |
| Average equity | $3,795,000 | 6,694 |
| Average total loans | $20,424,500 | 6,494 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 4,462 |
| Cost of funding earning assets | 0.7405% | 3,684 |
| Net interest margin | 3.5876% | 4,314 |
| Noninterest income to average assets | 0.1965% | 6,156 |
| Noninterest expense to average assets | 2.9204% | 3,546 |
| Loan and lease loss provision to assets | 0.0164% | 5,461 |
| Net operating income to assets | 0.6714% | 4,010 |
| Return on assets (ROA) | 0.6714% | 4,273 |
| Pretax return on assets | 0.6714% | 4,907 |
| Return on Equity (ROE) | 6.5391% | 4,034 |
| Retained earnings to average equity (ytd only) | 1.4354% | 5,475 |
| Net charge-offs to loans | -0.0587% | 6,706 |
| Credit loss provision to net charge-offs | -50.0000% | 6,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9380% | 2,041 |
| Assets per employee ($millions) | 3.6546% | 4,630 |
| Cash dividends to net income (ytd only)* | 78.0488% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 6,431 |
| Loan loss allowance to noncurrent loans | 458.5366% | 789 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 4,207 |
| Noncurrent loans to loans | 0.1985% | 6,187 |
| Net loans and leases to total assets | 56.0089% | 4,469 |
| Net loans and leases to deposits | 62.8558% | 4,895 |
| Net loans and leases to core deposits | 63.5092% | 5,260 |
| Total domestic deposits to total assets | 89.1069% | 1,448 |
| Equity capital to assets | 10.3951% | 3,818 |
| Core capital (leverage) ratio | 9.3071% | 4,442 |
| Tier 1 risk-based capital ratio | 14.6860% | 3,975 |
| Total risk-based capital ratio | 15.4952% | 4,240 |
| Memoranda: | ||
| Average total assets | $36,639,330 | 6,719 |
| Average earning assets | $34,842,330 | 6,663 |
| Average equity | $3,762,000 | 6,739 |
| Average total loans | $20,432,000 | 6,547 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 4,637 |
| Cost of funding earning assets | 0.7477% | 3,878 |
| Net interest margin | 3.5773% | 4,365 |
| Noninterest income to average assets | 0.1636% | 6,404 |
| Noninterest expense to average assets | 2.7694% | 4,161 |
| Loan and lease loss provision to assets | 0.0218% | 5,065 |
| Net operating income to assets | 0.7632% | 3,554 |
| Return on assets (ROA) | 0.7632% | 3,790 |
| Pretax return on assets | 0.7632% | 4,559 |
| Return on Equity (ROE) | 7.4796% | 3,509 |
| Retained earnings to average equity (ytd only) | 0.4274% | 5,858 |
| Net charge-offs to loans | -0.0591% | 6,598 |
| Credit loss provision to net charge-offs | -66.6667% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9141% | 2,509 |
| Assets per employee ($millions) | 3.5945% | 4,896 |
| Cash dividends to net income (ytd only)* | 94.2857% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 6,462 |
| Loan loss allowance to noncurrent loans | 438.0952% | 773 |
| Noncurrent assets plus other real estate owned to assets | 1.6414% | 3,391 |
| Noncurrent loans to loans | 0.2129% | 6,263 |
| Net loans and leases to total assets | 54.3580% | 4,662 |
| Net loans and leases to deposits | 60.9698% | 5,050 |
| Net loans and leases to core deposits | 67.3364% | 4,756 |
| Total domestic deposits to total assets | 89.1557% | 1,594 |
| Equity capital to assets | 10.4215% | 3,593 |
| Core capital (leverage) ratio | 9.3500% | 4,282 |
| Tier 1 risk-based capital ratio | 14.7579% | 3,920 |
| Total risk-based capital ratio | 15.5591% | 4,209 |
| Memoranda: | ||
| Average total assets | $36,686,000 | 6,773 |
| Average earning assets | $34,774,500 | 6,715 |
| Average equity | $3,743,500 | 6,787 |
| Average total loans | $20,319,500 | 6,600 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 6,109 |
| Cost of funding earning assets | 0.8800% | 4,252 |
| Net interest margin | 3.3009% | 5,801 |
| Noninterest income to average assets | 0.5236% | 3,691 |
| Noninterest expense to average assets | 3.0712% | 3,304 |
| Loan and lease loss provision to assets | 0.1773% | 4,416 |
| Net operating income to assets | 0.4110% | 4,812 |
| Return on assets (ROA) | 0.4588% | 4,809 |
| Pretax return on assets | 0.4588% | 5,106 |
| Return on Equity (ROE) | 4.5825% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.9398% | 4,829 |
| Net charge-offs to loans | 0.1438% | 4,997 |
| Credit loss provision to net charge-offs | 233.3333% | 1,042 |
| Earnings coverage of net charge-offs (x) | 7.7407% | 2,274 |
| Efficiency ratio | 83.9231% | 1,773 |
| Assets per employee ($millions) | 3.4025% | 5,239 |
| Cash dividends to net income (ytd only)* | 57.6687% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 6,636 |
| Loan loss allowance to noncurrent loans | 79.9107% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.6779% | 3,435 |
| Noncurrent loans to loans | 1.0710% | 4,567 |
| Net loans and leases to total assets | 55.4065% | 4,810 |
| Net loans and leases to deposits | 61.8258% | 5,270 |
| Net loans and leases to core deposits | 67.4308% | 5,103 |
| Total domestic deposits to total assets | 89.6171% | 1,194 |
| Equity capital to assets | 9.9955% | 4,174 |
| Core capital (leverage) ratio | 9.3472% | 4,254 |
| Tier 1 risk-based capital ratio | 13.9662% | 4,346 |
| Total risk-based capital ratio | 14.7048% | 4,696 |
| Memoranda: | ||
| Average total assets | $35,523,800 | 6,810 |
| Average earning assets | $33,748,400 | 6,758 |
| Average equity | $3,557,000 | 6,863 |
| Average total loans | $18,775,800 | 6,718 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 6,151 |
| Cost of funding earning assets | 0.9127% | 4,319 |
| Net interest margin | 3.3107% | 5,827 |
| Noninterest income to average assets | 0.6049% | 3,138 |
| Noninterest expense to average assets | 3.1271% | 3,066 |
| Loan and lease loss provision to assets | 0.2054% | 3,968 |
| Net operating income to assets | 0.4185% | 4,915 |
| Return on assets (ROA) | 0.4185% | 5,107 |
| Pretax return on assets | 0.4185% | 5,413 |
| Return on Equity (ROE) | 4.1772% | 4,924 |
| Retained earnings to average equity (ytd only) | 1.4050% | 5,447 |
| Net charge-offs to loans | 0.2047% | 4,167 |
| Credit loss provision to net charge-offs | 192.8571% | 1,512 |
| Earnings coverage of net charge-offs (x) | 5.8575% | 2,682 |
| Efficiency ratio | 83.3671% | 1,809 |
| Assets per employee ($millions) | 3.2040% | 5,672 |
| Cash dividends to net income (ytd only)* | 66.3644% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,644 |
| Loan loss allowance to noncurrent loans | 74.7788% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.8329% | 3,355 |
| Noncurrent loans to loans | 1.1836% | 4,565 |
| Net loans and leases to total assets | 53.6999% | 5,210 |
| Net loans and leases to deposits | 60.4703% | 5,585 |
| Net loans and leases to core deposits | 64.7153% | 5,546 |
| Total domestic deposits to total assets | 88.8038% | 1,542 |
| Equity capital to assets | 10.5663% | 3,623 |
| Core capital (leverage) ratio | 9.5863% | 4,015 |
| Tier 1 risk-based capital ratio | 14.9561% | 3,684 |
| Total risk-based capital ratio | 15.7099% | 3,974 |
| Memoranda: | ||
| Average total assets | $35,048,000 | 6,896 |
| Average earning assets | $33,305,750 | 6,834 |
| Average equity | $3,511,000 | 6,934 |
| Average total loans | $18,240,750 | 6,808 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 6,471 |
| Cost of funding earning assets | 0.9195% | 4,526 |
| Net interest margin | 3.1911% | 6,186 |
| Noninterest income to average assets | 0.6060% | 3,093 |
| Noninterest expense to average assets | 3.1616% | 3,043 |
| Loan and lease loss provision to assets | 0.2173% | 3,747 |
| Net operating income to assets | 0.2630% | 5,505 |
| Return on assets (ROA) | 0.2630% | 5,631 |
| Pretax return on assets | 0.2630% | 5,770 |
| Return on Equity (ROE) | 2.6744% | 5,534 |
| Retained earnings to average equity (ytd only) | -0.4070% | 5,929 |
| Net charge-offs to loans | -0.1337% | 7,227 |
| Credit loss provision to net charge-offs | -316.6667% | 6,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8132% | 1,526 |
| Assets per employee ($millions) | 3.1121% | 5,850 |
| Cash dividends to net income (ytd only)* | 115.2174% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 6,003 |
| Loan loss allowance to noncurrent loans | 54.3662% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0448% | 3,178 |
| Noncurrent loans to loans | 2.0019% | 3,477 |
| Net loans and leases to total assets | 51.2371% | 5,665 |
| Net loans and leases to deposits | 57.5139% | 5,990 |
| Net loans and leases to core deposits | 61.1661% | 5,981 |
| Total domestic deposits to total assets | 89.0866% | 1,486 |
| Equity capital to assets | 10.3876% | 3,649 |
| Core capital (leverage) ratio | 9.7269% | 3,630 |
| Tier 1 risk-based capital ratio | 15.7272% | 3,115 |
| Total risk-based capital ratio | 16.6445% | 3,244 |
| Memoranda: | ||
| Average total assets | $34,982,670 | 6,958 |
| Average earning assets | $33,280,000 | 6,896 |
| Average equity | $3,440,000 | 7,000 |
| Average total loans | $17,956,000 | 6,893 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 6,740 |
| Cost of funding earning assets | 0.9157% | 4,810 |
| Net interest margin | 3.0564% | 6,447 |
| Noninterest income to average assets | 0.5543% | 3,477 |
| Noninterest expense to average assets | 3.0998% | 3,247 |
| Loan and lease loss provision to assets | 0.2828% | 2,885 |
| Net operating income to assets | 0.0792% | 6,145 |
| Return on assets (ROA) | 0.0792% | 6,201 |
| Pretax return on assets | 0.0792% | 6,218 |
| Return on Equity (ROE) | 0.8279% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.8279% | 5,498 |
| Net charge-offs to loans | -0.0886% | 7,052 |
| Credit loss provision to net charge-offs | -625.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5425% | 1,371 |
| Assets per employee ($millions) | 3.1114% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,436 |
| Loan loss allowance to noncurrent loans | 22.6018% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 3.2579% | 2,107 |
| Noncurrent loans to loans | 4.3766% | 1,614 |
| Net loans and leases to total assets | 50.3024% | 5,810 |
| Net loans and leases to deposits | 56.2946% | 6,102 |
| Net loans and leases to core deposits | 59.3635% | 6,154 |
| Total domestic deposits to total assets | 89.3557% | 1,561 |
| Equity capital to assets | 9.9956% | 3,780 |
| Core capital (leverage) ratio | 9.4120% | 3,939 |
| Tier 1 risk-based capital ratio | 16.0593% | 2,880 |
| Total risk-based capital ratio | 16.8906% | 3,038 |
| Memoranda: | ||
| Average total assets | $35,357,500 | 6,992 |
| Average earning assets | $33,634,000 | 6,933 |
| Average equity | $3,382,000 | 7,050 |
| Average total loans | $18,067,500 | 6,938 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 5,446 |
| Cost of funding earning assets | 1.1414% | 4,902 |
| Net interest margin | 3.6504% | 4,571 |
| Noninterest income to average assets | 0.9381% | 1,714 |
| Noninterest expense to average assets | 3.3466% | 2,591 |
| Loan and lease loss provision to assets | 0.1846% | 5,387 |
| Net operating income to assets | 0.8305% | 2,669 |
| Return on assets (ROA) | 0.8305% | 2,811 |
| Pretax return on assets | 0.8305% | 3,530 |
| Return on Equity (ROE) | 8.2272% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.9114% | 1,869 |
| Net charge-offs to loans | 0.5831% | 3,294 |
| Credit loss provision to net charge-offs | 54.5455% | 6,186 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,570 |
| Efficiency ratio | 76.7278% | 2,924 |
| Assets per employee ($millions) | 3.3173% | 5,395 |
| Cash dividends to net income (ytd only)* | 28.1481% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 7,041 |
| Loan loss allowance to noncurrent loans | 39.1781% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 3,382 |
| Noncurrent loans to loans | 1.9470% | 3,637 |
| Net loans and leases to total assets | 50.9838% | 6,046 |
| Net loans and leases to deposits | 56.4956% | 6,402 |
| Net loans and leases to core deposits | 59.8161% | 6,408 |
| Total domestic deposits to total assets | 90.2439% | 958 |
| Equity capital to assets | 9.1614% | 4,899 |
| Core capital (leverage) ratio | 9.5726% | 3,603 |
| Tier 1 risk-based capital ratio | 14.8389% | 3,346 |
| Total risk-based capital ratio | 15.4790% | 3,678 |
| Memoranda: | ||
| Average total assets | $32,511,000 | 7,130 |
| Average earning assets | $30,489,800 | 7,074 |
| Average equity | $3,281,800 | 7,197 |
| Average total loans | $18,863,800 | 6,985 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 4,890 |
| Cost of funding earning assets | 1.1819% | 4,972 |
| Net interest margin | 3.8039% | 3,959 |
| Noninterest income to average assets | 0.5627% | 3,699 |
| Noninterest expense to average assets | 3.3421% | 2,450 |
| Loan and lease loss provision to assets | 0.1142% | 5,890 |
| Net operating income to assets | 0.6599% | 3,599 |
| Return on assets (ROA) | 0.6599% | 3,762 |
| Pretax return on assets | 0.6599% | 4,387 |
| Return on Equity (ROE) | 6.3674% | 3,639 |
| Retained earnings to average equity (ytd only) | 3.2653% | 4,149 |
| Net charge-offs to loans | -0.0494% | 7,468 |
| Credit loss provision to net charge-offs | -385.7143% | 6,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1922% | 2,170 |
| Assets per employee ($millions) | 2.8451% | 6,492 |
| Cash dividends to net income (ytd only)* | 48.7187% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 5,436 |
| Loan loss allowance to noncurrent loans | 46.7078% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.7607% | 2,622 |
| Noncurrent loans to loans | 2.5931% | 3,029 |
| Net loans and leases to total assets | 59.1609% | 5,070 |
| Net loans and leases to deposits | 67.2441% | 5,515 |
| Net loans and leases to core deposits | 69.3809% | 5,813 |
| Total domestic deposits to total assets | 87.9793% | 1,971 |
| Equity capital to assets | 10.8353% | 3,131 |
| Core capital (leverage) ratio | 10.4283% | 2,768 |
| Tier 1 risk-based capital ratio | 15.0279% | 3,238 |
| Total risk-based capital ratio | 16.0933% | 3,305 |
| Memoranda: | ||
| Average total assets | $31,516,250 | 7,240 |
| Average earning assets | $29,443,000 | 7,189 |
| Average equity | $3,266,500 | 7,291 |
| Average total loans | $18,893,000 | 7,080 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 5,011 |
| Cost of funding earning assets | 1.2020% | 5,125 |
| Net interest margin | 3.7826% | 3,977 |
| Noninterest income to average assets | 0.5508% | 3,706 |
| Noninterest expense to average assets | 3.3429% | 2,422 |
| Loan and lease loss provision to assets | 0.1140% | 5,767 |
| Net operating income to assets | 0.6205% | 3,781 |
| Return on assets (ROA) | 0.6205% | 3,915 |
| Pretax return on assets | 0.6205% | 4,500 |
| Return on Equity (ROE) | 6.0775% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.9147% | 4,278 |
| Net charge-offs to loans | -0.0528% | 7,456 |
| Credit loss provision to net charge-offs | -360.0000% | 6,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9876% | 2,169 |
| Assets per employee ($millions) | 2.7615% | 6,655 |
| Cash dividends to net income (ytd only)* | 52.0408% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 5,530 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.6106% | 2,770 |
| Noncurrent loans to loans | 2.1725% | 3,508 |
| Net loans and leases to total assets | 59.2968% | 5,198 |
| Net loans and leases to deposits | 67.4127% | 5,623 |
| Net loans and leases to core deposits | 69.6385% | 5,912 |
| Total domestic deposits to total assets | 87.9609% | 2,027 |
| Equity capital to assets | 10.8737% | 2,991 |
| Core capital (leverage) ratio | 10.3956% | 2,715 |
| Tier 1 risk-based capital ratio | 15.2914% | 3,014 |
| Total risk-based capital ratio | 16.3337% | 3,079 |
| Memoranda: | ||
| Average total assets | $31,589,670 | 7,296 |
| Average earning assets | $29,450,670 | 7,246 |
| Average equity | $3,225,000 | 7,347 |
| Average total loans | $18,943,330 | 7,129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 5,507 |
| Cost of funding earning assets | 1.2158% | 5,308 |
| Net interest margin | 3.6741% | 4,377 |
| Noninterest income to average assets | 0.5218% | 3,881 |
| Noninterest expense to average assets | 3.3544% | 2,363 |
| Loan and lease loss provision to assets | 0.1118% | 5,493 |
| Net operating income to assets | 0.4721% | 4,526 |
| Return on assets (ROA) | 0.4721% | 4,655 |
| Pretax return on assets | 0.4721% | 5,054 |
| Return on Equity (ROE) | 4.7709% | 4,489 |
| Retained earnings to average equity (ytd only) | 0.8788% | 5,460 |
| Net charge-offs to loans | -0.0622% | 7,406 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1735% | 1,891 |
| Assets per employee ($millions) | 2.7784% | 6,699 |
| Cash dividends to net income (ytd only)* | 81.5789% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,934 |
| Loan loss allowance to noncurrent loans | 51.2500% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 2.6569% | 2,737 |
| Noncurrent loans to loans | 2.1782% | 3,562 |
| Net loans and leases to total assets | 59.4169% | 5,218 |
| Net loans and leases to deposits | 67.2182% | 5,684 |
| Net loans and leases to core deposits | 69.4125% | 5,960 |
| Total domestic deposits to total assets | 88.3941% | 1,853 |
| Equity capital to assets | 10.4902% | 3,252 |
| Core capital (leverage) ratio | 9.9305% | 3,249 |
| Tier 1 risk-based capital ratio | 14.9899% | 3,121 |
| Total risk-based capital ratio | 15.9720% | 3,211 |
| Memoranda: | ||
| Average total assets | $32,196,500 | 7,369 |
| Average earning assets | $29,939,000 | 7,324 |
| Average equity | $3,186,000 | 7,442 |
| Average total loans | $19,301,000 | 7,197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 5,186 |
| Cost of funding earning assets | 1.5051% | 5,491 |
| Net interest margin | 3.7924% | 3,743 |
| Noninterest income to average assets | 0.5664% | 3,897 |
| Noninterest expense to average assets | 3.5807% | 2,197 |
| Loan and lease loss provision to assets | 0.3418% | 4,747 |
| Net operating income to assets | 0.3060% | 4,515 |
| Return on assets (ROA) | 0.3939% | 4,245 |
| Pretax return on assets | 0.2669% | 4,854 |
| Return on Equity (ROE) | 3.8168% | 4,161 |
| Retained earnings to average equity (ytd only) | 1.4510% | 4,050 |
| Net charge-offs to loans | 0.7749% | 2,885 |
| Credit loss provision to net charge-offs | 68.6275% | 6,519 |
| Earnings coverage of net charge-offs (x) | 1.0458% | 5,067 |
| Efficiency ratio | 87.3016% | 1,952 |
| Assets per employee ($millions) | 3.0755% | 6,044 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 6,622 |
| Loan loss allowance to noncurrent loans | 34.1593% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 2.9204% | 2,396 |
| Noncurrent loans to loans | 2.7918% | 2,764 |
| Net loans and leases to total assets | 59.2504% | 5,457 |
| Net loans and leases to deposits | 66.1028% | 6,030 |
| Net loans and leases to core deposits | 74.4254% | 6,510 |
| Total domestic deposits to total assets | 89.6338% | 1,139 |
| Equity capital to assets | 9.3583% | 4,620 |
| Core capital (leverage) ratio | 10.3265% | 2,766 |
| Tier 1 risk-based capital ratio | 13.5263% | 3,804 |
| Total risk-based capital ratio | 14.3625% | 4,019 |
| Memoranda: | ||
| Average total assets | $30,720,400 | 7,449 |
| Average earning assets | $28,636,000 | 7,409 |
| Average equity | $3,170,200 | 7,540 |
| Average total loans | $19,745,200 | 7,210 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 4,804 |
| Cost of funding earning assets | 1.5842% | 5,472 |
| Net interest margin | 3.8439% | 3,465 |
| Noninterest income to average assets | 0.5967% | 3,740 |
| Noninterest expense to average assets | 3.5845% | 2,061 |
| Loan and lease loss provision to assets | 0.3874% | 3,996 |
| Net operating income to assets | 0.3963% | 4,413 |
| Return on assets (ROA) | 0.3963% | 4,512 |
| Pretax return on assets | 0.2226% | 5,245 |
| Return on Equity (ROE) | 3.7417% | 4,476 |
| Retained earnings to average equity (ytd only) | 0.5887% | 4,956 |
| Net charge-offs to loans | 1.0600% | 1,874 |
| Credit loss provision to net charge-offs | 55.7692% | 6,231 |
| Earnings coverage of net charge-offs (x) | 0.8782% | 5,183 |
| Efficiency ratio | 85.4565% | 2,130 |
| Assets per employee ($millions) | 2.5868% | 7,075 |
| Cash dividends to net income (ytd only)* | 84.2744% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,769 |
| Loan loss allowance to noncurrent loans | 30.5506% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 3.4335% | 1,948 |
| Noncurrent loans to loans | 2.9326% | 2,599 |
| Net loans and leases to total assets | 66.8635% | 4,224 |
| Net loans and leases to deposits | 76.8603% | 4,914 |
| Net loans and leases to core deposits | 87.7381% | 5,666 |
| Total domestic deposits to total assets | 86.9935% | 2,184 |
| Equity capital to assets | 11.3513% | 2,711 |
| Core capital (leverage) ratio | 10.7213% | 2,624 |
| Tier 1 risk-based capital ratio | 14.7024% | 3,181 |
| Total risk-based capital ratio | 15.5208% | 3,346 |
| Memoranda: | ||
| Average total assets | $29,942,750 | 7,537 |
| Average earning assets | $28,026,500 | 7,496 |
| Average equity | $3,171,250 | 7,611 |
| Average total loans | $19,622,000 | 7,278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 5,466 |
| Cost of funding earning assets | 1.6127% | 5,696 |
| Net interest margin | 3.7233% | 3,861 |
| Noninterest income to average assets | 0.5914% | 3,764 |
| Noninterest expense to average assets | 3.4890% | 2,370 |
| Loan and lease loss provision to assets | 0.4731% | 3,159 |
| Net operating income to assets | 0.3745% | 4,603 |
| Return on assets (ROA) | 0.3745% | 4,703 |
| Pretax return on assets | 0.1183% | 5,634 |
| Return on Equity (ROE) | 3.6171% | 4,659 |
| Retained earnings to average equity (ytd only) | -0.1269% | 5,251 |
| Net charge-offs to loans | 0.1518% | 4,676 |
| Credit loss provision to net charge-offs | 480.0000% | 967 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,705 |
| Efficiency ratio | 85.5072% | 2,287 |
| Assets per employee ($millions) | 2.9007% | 6,389 |
| Cash dividends to net income (ytd only)* | 103.5088% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,225 |
| Loan loss allowance to noncurrent loans | 33.1111% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 3.7129% | 1,652 |
| Noncurrent loans to loans | 4.5176% | 1,423 |
| Net loans and leases to total assets | 67.6526% | 4,222 |
| Net loans and leases to deposits | 78.0589% | 4,860 |
| Net loans and leases to core deposits | 88.2017% | 5,702 |
| Total domestic deposits to total assets | 86.6687% | 2,419 |
| Equity capital to assets | 10.8353% | 3,075 |
| Core capital (leverage) ratio | 10.4711% | 2,834 |
| Tier 1 risk-based capital ratio | 14.3934% | 3,307 |
| Total risk-based capital ratio | 15.6436% | 3,243 |
| Memoranda: | ||
| Average total assets | $30,438,670 | 7,586 |
| Average earning assets | $28,523,000 | 7,547 |
| Average equity | $3,151,670 | 7,682 |
| Average total loans | $19,763,330 | 7,343 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 5,977 |
| Cost of funding earning assets | 1.6869% | 5,652 |
| Net interest margin | 3.5933% | 4,339 |
| Noninterest income to average assets | 0.5521% | 3,902 |
| Noninterest expense to average assets | 3.1970% | 2,997 |
| Loan and lease loss provision to assets | 0.3980% | 2,938 |
| Net operating income to assets | 0.8346% | 2,977 |
| Return on assets (ROA) | 0.8346% | 3,124 |
| Pretax return on assets | 0.3210% | 5,620 |
| Return on Equity (ROE) | 8.2383% | 3,046 |
| Retained earnings to average equity (ytd only) | 3.8023% | 3,775 |
| Net charge-offs to loans | 0.1422% | 3,820 |
| Credit loss provision to net charge-offs | 442.8571% | 1,192 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,252 |
| Efficiency ratio | 81.6393% | 2,590 |
| Assets per employee ($millions) | 3.0082% | 6,129 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 3,637 |
| Loan loss allowance to noncurrent loans | 48.1818% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.4500% | 2,337 |
| Noncurrent loans to loans | 2.8537% | 2,291 |
| Net loans and leases to total assets | 63.1873% | 5,125 |
| Net loans and leases to deposits | 71.6094% | 5,794 |
| Net loans and leases to core deposits | 84.6870% | 6,009 |
| Total domestic deposits to total assets | 88.2388% | 1,621 |
| Equity capital to assets | 10.5379% | 3,429 |
| Core capital (leverage) ratio | 10.0599% | 3,336 |
| Tier 1 risk-based capital ratio | 14.6745% | 3,215 |
| Total risk-based capital ratio | 15.9265% | 3,146 |
| Memoranda: | ||
| Average total assets | $31,154,500 | 7,601 |
| Average earning assets | $29,165,500 | 7,560 |
| Average equity | $3,156,000 | 7,737 |
| Average total loans | $19,684,000 | 7,389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1273% | 4,913 |
| Cost of funding earning assets | 2.1645% | 5,762 |
| Net interest margin | 3.9628% | 3,296 |
| Noninterest income to average assets | 0.6519% | 3,459 |
| Noninterest expense to average assets | 3.5374% | 2,296 |
| Loan and lease loss provision to assets | 0.2539% | 4,379 |
| Net operating income to assets | 0.5730% | 4,426 |
| Return on assets (ROA) | 0.5730% | 4,291 |
| Pretax return on assets | 0.5730% | 4,771 |
| Return on Equity (ROE) | 5.3198% | 4,227 |
| Retained earnings to average equity (ytd only) | -0.4778% | 5,432 |
| Net charge-offs to loans | -0.0505% | 8,028 |
| Credit loss provision to net charge-offs | -740.0000% | 7,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0535% | 2,439 |
| Assets per employee ($millions) | 3.2227% | 5,422 |
| Cash dividends to net income (ytd only)* | 108.9820% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 4,536 |
| Loan loss allowance to noncurrent loans | 32.3056% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3148% | 2,102 |
| Noncurrent loans to loans | 3.7124% | 1,353 |
| Net loans and leases to total assets | 61.6067% | 5,682 |
| Net loans and leases to deposits | 69.2791% | 6,342 |
| Net loans and leases to core deposits | 78.0916% | 6,746 |
| Total domestic deposits to total assets | 88.9254% | 1,076 |
| Equity capital to assets | 9.7496% | 4,366 |
| Core capital (leverage) ratio | 10.2329% | 3,231 |
| Tier 1 risk-based capital ratio | 13.8576% | 3,617 |
| Total risk-based capital ratio | 14.9437% | 3,621 |
| Memoranda: | ||
| Average total assets | $29,145,800 | 7,678 |
| Average earning assets | $27,304,000 | 7,648 |
| Average equity | $3,139,200 | 7,792 |
| Average total loans | $19,794,600 | 7,342 |