Home > Andes State Bank > Performance and Condition Ratios
Andes 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 | 4.9738% | 3,157 |
| Cost of funding earning assets | 0.6712% | 4,213 |
| Net interest margin | 4.3026% | 834 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.4203% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2257% | 1,668 |
| Return on assets (ROA) | 1.2257% | 1,665 |
| Pretax return on assets | 1.6135% | 1,280 |
| Return on Equity (ROE) | 9.2900% | 2,522 |
| Retained earnings to average equity (ytd only) | 9.2928% | 1,367 |
| Net charge-offs to loans | 0.0421% | 1,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 678 |
| Efficiency ratio | 60.0000% | 2,971 |
| Assets per employee ($millions) | 6.5353% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 281 |
| 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 | 35.0300% | 4,106 |
| Net loans and leases to deposits | 40.5123% | 4,118 |
| Net loans and leases to core deposits | 50.4824% | 3,972 |
| Total domestic deposits to total assets | 86.4700% | 2,129 |
| Equity capital to assets | 13.1938% | 872 |
| Core capital (leverage) ratio | 13.9559% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3377% | 232 |
| Memoranda: | ||
| Average total assets | $25,782,000 | 4,365 |
| Average earning assets | $23,242,000 | 4,342 |
| Average equity | $3,400,500 | 4,331 |
| Average total loans | $9,492,000 | 4,311 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 3,067 |
| Cost of funding earning assets | 0.7070% | 4,225 |
| Net interest margin | 4.3134% | 815 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 2.4020% | 2,567 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.3942% | 1,077 |
| Return on assets (ROA) | 1.3942% | 1,078 |
| Pretax return on assets | 1.7845% | 845 |
| Return on Equity (ROE) | 11.6000% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.4955% | 508 |
| Net charge-offs to loans | 0.0108% | 2,514 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 476.0000% | 270 |
| Efficiency ratio | 57.1171% | 3,444 |
| Assets per employee ($millions) | 6.3558% | 2,614 |
| Cash dividends to net income (ytd only)* | 9.5109% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2047% | 284 |
| 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 | 36.9900% | 4,087 |
| Net loans and leases to deposits | 42.7455% | 4,099 |
| Net loans and leases to core deposits | 50.9702% | 3,988 |
| Total domestic deposits to total assets | 86.5400% | 2,018 |
| Equity capital to assets | 13.1849% | 851 |
| Core capital (leverage) ratio | 13.1921% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2934% | 303 |
| Memoranda: | ||
| Average total assets | $26,394,200 | 4,382 |
| Average earning assets | $23,902,200 | 4,356 |
| Average equity | $3,172,800 | 4,361 |
| Average total loans | $9,240,400 | 4,335 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 3,064 |
| Cost of funding earning assets | 0.7038% | 4,258 |
| Net interest margin | 4.2830% | 824 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 2.2524% | 2,946 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.5867% | 828 |
| Return on assets (ROA) | 1.5867% | 829 |
| Pretax return on assets | 1.9021% | 752 |
| Return on Equity (ROE) | 13.5100% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.7448% | 414 |
| Net charge-offs to loans | 0.0146% | 2,122 |
| Credit loss provision to net charge-offs | 300.0000% | 847 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 309 |
| Efficiency ratio | 54.0216% | 3,718 |
| Assets per employee ($millions) | 6.2235% | 2,706 |
| Cash dividends to net income (ytd only)* | 5.6782% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2779% | 272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 36.3600% | 4,134 |
| Net loans and leases to deposits | 42.1062% | 4,155 |
| Net loans and leases to core deposits | 50.3588% | 4,034 |
| Total domestic deposits to total assets | 86.3600% | 1,808 |
| Equity capital to assets | 13.3647% | 868 |
| Core capital (leverage) ratio | 13.6335% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $26,637,000 | 4,412 |
| Average earning assets | $24,250,250 | 4,387 |
| Average equity | $3,128,000 | 4,391 |
| Average total loans | $9,146,500 | 4,362 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 3,062 |
| Cost of funding earning assets | 0.6855% | 4,260 |
| Net interest margin | 4.2504% | 836 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.2632% | 2,891 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.5431% | 851 |
| Return on assets (ROA) | 1.5431% | 859 |
| Pretax return on assets | 1.8517% | 791 |
| Return on Equity (ROE) | 13.7200% | 1,212 |
| Retained earnings to average equity (ytd only) | 12.5422% | 488 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.7069% | 3,695 |
| Assets per employee ($millions) | 6.5485% | 2,368 |
| Cash dividends to net income (ytd only)* | 8.5714% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3735% | 257 |
| 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 | 33.1300% | 4,206 |
| Net loans and leases to deposits | 37.8384% | 4,239 |
| Net loans and leases to core deposits | 44.6749% | 4,151 |
| Total domestic deposits to total assets | 87.5700% | 1,463 |
| Equity capital to assets | 12.1020% | 1,136 |
| Core capital (leverage) ratio | 11.2173% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8556% | 319 |
| Memoranda: | ||
| Average total assets | $27,218,000 | 4,428 |
| Average earning assets | $24,797,667 | 4,402 |
| Average equity | $3,061,667 | 4,408 |
| Average total loans | $9,107,667 | 4,382 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 3,662 |
| Cost of funding earning assets | 0.6467% | 4,289 |
| Net interest margin | 3.8643% | 1,273 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.2358% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2838% | 1,269 |
| Return on assets (ROA) | 1.2838% | 1,276 |
| Pretax return on assets | 1.5867% | 1,113 |
| Return on Equity (ROE) | 11.8400% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.8371% | 768 |
| Net charge-offs to loans | -0.1736% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 58.4906% | 3,397 |
| Assets per employee ($millions) | 6.6780% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3379% | 237 |
| 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 | 33.1500% | 4,211 |
| Net loans and leases to deposits | 37.5270% | 4,235 |
| Net loans and leases to core deposits | 44.0268% | 4,201 |
| Total domestic deposits to total assets | 88.3500% | 1,304 |
| Equity capital to assets | 11.4331% | 1,330 |
| Core capital (leverage) ratio | 11.6595% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $27,730,000 | 4,458 |
| Average earning assets | $25,360,500 | 4,426 |
| Average equity | $3,007,500 | 4,434 |
| Average total loans | $9,216,500 | 4,405 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 3,649 |
| Cost of funding earning assets | 0.5514% | 4,141 |
| Net interest margin | 3.6357% | 1,890 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.2831% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0354% | 2,108 |
| Return on assets (ROA) | 1.0354% | 2,087 |
| Pretax return on assets | 1.3615% | 1,716 |
| Return on Equity (ROE) | 9.7600% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.5122% | 1,393 |
| Net charge-offs to loans | -0.1717% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.6431% | 2,763 |
| Assets per employee ($millions) | 7.1870% | 1,947 |
| Cash dividends to net income (ytd only)* | 12.8205% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2210% | 273 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.8500% | 4,251 |
| Net loans and leases to deposits | 35.6082% | 4,278 |
| Net loans and leases to core deposits | 41.1643% | 4,270 |
| Total domestic deposits to total assets | 89.4500% | 926 |
| Equity capital to assets | 10.2998% | 1,841 |
| Core capital (leverage) ratio | 11.3586% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,367,400 | 4,486 |
| Average earning assets | $24,122,000 | 4,454 |
| Average equity | $2,796,000 | 4,441 |
| Average total loans | $9,320,000 | 4,418 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,552 |
| Cost of funding earning assets | 0.5334% | 4,086 |
| Net interest margin | 3.6203% | 1,947 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2608% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0554% | 2,202 |
| Return on assets (ROA) | 1.0554% | 2,190 |
| Pretax return on assets | 1.3865% | 1,805 |
| Return on Equity (ROE) | 9.8700% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.0508% | 1,667 |
| Net charge-offs to loans | -0.2435% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.9858% | 2,718 |
| Assets per employee ($millions) | 6.3820% | 2,420 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1954% | 297 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 36.4700% | 4,167 |
| Net loans and leases to deposits | 41.1554% | 4,180 |
| Net loans and leases to core deposits | 54.5077% | 3,908 |
| Total domestic deposits to total assets | 88.6200% | 1,371 |
| Equity capital to assets | 11.1055% | 1,305 |
| Core capital (leverage) ratio | 11.5054% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $25,772,250 | 4,519 |
| Average earning assets | $23,496,750 | 4,486 |
| Average equity | $2,754,750 | 4,462 |
| Average total loans | $9,308,750 | 4,443 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,681 |
| Cost of funding earning assets | 0.4411% | 4,096 |
| Net interest margin | 3.5630% | 2,124 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.0423% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2609% | 1,661 |
| Return on assets (ROA) | 1.2609% | 1,653 |
| Pretax return on assets | 1.5781% | 1,452 |
| Return on Equity (ROE) | 11.9500% | 2,173 |
| Retained earnings to average equity (ytd only) | 10.7038% | 1,249 |
| Net charge-offs to loans | -0.3247% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.4103% | 3,366 |
| Assets per employee ($millions) | 6.7855% | 2,077 |
| Cash dividends to net income (ytd only)* | 10.4294% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 291 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 33.3000% | 4,260 |
| Net loans and leases to deposits | 37.2184% | 4,274 |
| Net loans and leases to core deposits | 48.2205% | 4,062 |
| Total domestic deposits to total assets | 89.4600% | 1,092 |
| Equity capital to assets | 10.3272% | 1,674 |
| Core capital (leverage) ratio | 10.8654% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $25,853,667 | 4,545 |
| Average earning assets | $23,575,333 | 4,512 |
| Average equity | $2,728,000 | 4,492 |
| Average total loans | $9,238,333 | 4,475 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,070 |
| Cost of funding earning assets | 0.2089% | 4,362 |
| Net interest margin | 3.4645% | 2,461 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.2531% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1900% | 1,957 |
| Return on assets (ROA) | 1.1900% | 1,918 |
| Pretax return on assets | 1.3804% | 1,938 |
| Return on Equity (ROE) | 11.1500% | 2,452 |
| Retained earnings to average equity (ytd only) | 11.1503% | 1,438 |
| Net charge-offs to loans | -0.5630% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0087% | 2,698 |
| Assets per employee ($millions) | 6.0895% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 279 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 35.6000% | 4,205 |
| Net loans and leases to deposits | 40.1816% | 4,220 |
| Net loans and leases to core deposits | 49.4131% | 4,007 |
| Total domestic deposits to total assets | 88.6000% | 1,703 |
| Equity capital to assets | 11.2735% | 1,238 |
| Core capital (leverage) ratio | 11.8018% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $25,209,500 | 4,609 |
| Average earning assets | $22,976,000 | 4,584 |
| Average equity | $2,690,500 | 4,560 |
| Average total loans | $9,235,500 | 4,542 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3185% | 3,543 |
| Cost of funding earning assets | 0.0871% | 4,444 |
| Net interest margin | 3.2315% | 2,759 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.1627% | 3,116 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6152% | 3,846 |
| Return on assets (ROA) | 0.6152% | 3,793 |
| Pretax return on assets | 0.7948% | 3,635 |
| Return on Equity (ROE) | 6.1300% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.7953% | 3,142 |
| Net charge-offs to loans | 0.0513% | 1,154 |
| Credit loss provision to net charge-offs | 260.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 44.2000% | 1,442 |
| Efficiency ratio | 71.9187% | 1,454 |
| Assets per employee ($millions) | 6.5153% | 2,320 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 430 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.0800% | 4,212 |
| Net loans and leases to deposits | 40.1778% | 4,241 |
| Net loans and leases to core deposits | 48.5265% | 4,039 |
| Total domestic deposits to total assets | 89.7900% | 1,453 |
| Equity capital to assets | 10.1109% | 1,657 |
| Core capital (leverage) ratio | 10.9553% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,171,000 | 4,637 |
| Average earning assets | $21,816,800 | 4,625 |
| Average equity | $2,627,600 | 4,639 |
| Average total loans | $9,747,400 | 4,562 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 3,403 |
| Cost of funding earning assets | 0.0563% | 4,548 |
| Net interest margin | 3.1578% | 2,747 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.1222% | 3,157 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5700% | 3,912 |
| Return on assets (ROA) | 0.5700% | 3,865 |
| Pretax return on assets | 0.7125% | 3,777 |
| Return on Equity (ROE) | 5.6900% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.7731% | 3,171 |
| Net charge-offs to loans | 0.0954% | 650 |
| Credit loss provision to net charge-offs | 185.7143% | 1,017 |
| Earnings coverage of net charge-offs (x) | 21.8571% | 1,679 |
| Efficiency ratio | 73.1579% | 1,368 |
| Assets per employee ($millions) | 5.8318% | 2,904 |
| Cash dividends to net income (ytd only)* | 16.0714% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 470 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 39.0800% | 4,103 |
| Net loans and leases to deposits | 43.9246% | 4,117 |
| Net loans and leases to core deposits | 54.4917% | 3,717 |
| Total domestic deposits to total assets | 88.9800% | 2,101 |
| Equity capital to assets | 10.9744% | 1,190 |
| Core capital (leverage) ratio | 11.5046% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $26,198,500 | 4,671 |
| Average earning assets | $21,322,250 | 4,666 |
| Average equity | $2,625,750 | 4,677 |
| Average total loans | $9,785,750 | 4,596 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0956% | 3,314 |
| Cost of funding earning assets | 0.0561% | 4,557 |
| Net interest margin | 3.0395% | 2,761 |
| Noninterest income to average assets | 0.2872% | 3,458 |
| Noninterest expense to average assets | 1.9738% | 3,502 |
| Loan and lease loss provision to assets | 0.0295% | 2,063 |
| Net operating income to assets | 0.5597% | 3,735 |
| Return on assets (ROA) | 0.5597% | 3,686 |
| Pretax return on assets | 0.6776% | 3,634 |
| Return on Equity (ROE) | 5.7409% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.3812% | 2,935 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6264% | 1,556 |
| Assets per employee ($millions) | 4.4762% | 4,088 |
| Cash dividends to net income (ytd only)* | 23.6842% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 722 |
| Loan loss allowance to noncurrent loans | 21.0056% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 3.3325% | 44 |
| Noncurrent loans to loans | 8.8684% | 17 |
| Net loans and leases to total assets | 36.8768% | 4,211 |
| Net loans and leases to deposits | 40.8480% | 4,240 |
| Net loans and leases to core deposits | 48.9715% | 3,981 |
| Total domestic deposits to total assets | 90.2781% | 1,592 |
| Equity capital to assets | 9.7107% | 1,875 |
| Core capital (leverage) ratio | 9.4541% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,155,667 | 4,697 |
| Average earning assets | $21,385,000 | 4,714 |
| Average equity | $2,647,667 | 4,709 |
| Average total loans | $9,945,333 | 4,661 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1745% | 2,763 |
| Cost of funding earning assets | 0.1005% | 4,133 |
| Net interest margin | 3.0741% | 2,253 |
| Noninterest income to average assets | 0.3223% | 3,178 |
| Noninterest expense to average assets | 1.9777% | 3,489 |
| Loan and lease loss provision to assets | 0.0586% | 1,351 |
| Net operating income to assets | 0.4102% | 3,930 |
| Return on assets (ROA) | 0.4102% | 3,895 |
| Pretax return on assets | 0.5274% | 3,818 |
| Return on Equity (ROE) | 4.1987% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.1987% | 2,868 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1429% | 1,391 |
| Assets per employee ($millions) | 5.3894% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 698 |
| Loan loss allowance to noncurrent loans | 140.2985% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 1,204 |
| Noncurrent loans to loans | 1.3763% | 624 |
| Net loans and leases to total assets | 35.4325% | 4,244 |
| Net loans and leases to deposits | 39.2566% | 4,277 |
| Net loans and leases to core deposits | 47.0322% | 4,025 |
| Total domestic deposits to total assets | 90.2587% | 1,409 |
| Equity capital to assets | 9.7042% | 2,127 |
| Core capital (leverage) ratio | 10.0887% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,305,000 | 4,721 |
| Average earning assets | $19,908,500 | 4,746 |
| Average equity | $2,667,500 | 4,734 |
| Average total loans | $9,872,000 | 4,685 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 1,803 |
| Cost of funding earning assets | 0.1384% | 4,081 |
| Net interest margin | 3.6895% | 1,239 |
| Noninterest income to average assets | 0.2939% | 3,640 |
| Noninterest expense to average assets | 2.4385% | 2,368 |
| Loan and lease loss provision to assets | 0.0556% | 1,938 |
| Net operating income to assets | 0.4885% | 4,117 |
| Return on assets (ROA) | 0.4885% | 4,159 |
| Pretax return on assets | 0.6593% | 4,014 |
| Return on Equity (ROE) | 4.5481% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.5481% | 2,987 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3300% | 1,006 |
| Assets per employee ($millions) | 4.6105% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 812 |
| Loan loss allowance to noncurrent loans | 52.7221% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.2616% | 378 |
| Noncurrent loans to loans | 3.4872% | 145 |
| Net loans and leases to total assets | 35.5131% | 4,314 |
| Net loans and leases to deposits | 39.4808% | 4,354 |
| Net loans and leases to core deposits | 47.0836% | 4,136 |
| Total domestic deposits to total assets | 89.9505% | 986 |
| Equity capital to assets | 9.8326% | 2,819 |
| Core capital (leverage) ratio | 9.9978% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,179,000 | 4,777 |
| Average earning assets | $19,514,600 | 4,785 |
| Average equity | $2,704,400 | 4,774 |
| Average total loans | $9,929,800 | 4,727 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 1,527 |
| Cost of funding earning assets | 0.1442% | 4,162 |
| Net interest margin | 3.8587% | 1,012 |
| Noninterest income to average assets | 0.2877% | 3,732 |
| Noninterest expense to average assets | 2.4323% | 2,340 |
| Loan and lease loss provision to assets | 0.0774% | 1,520 |
| Net operating income to assets | 0.6569% | 3,875 |
| Return on assets (ROA) | 0.6569% | 3,929 |
| Pretax return on assets | 0.8307% | 3,835 |
| Return on Equity (ROE) | 5.9741% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.9741% | 2,832 |
| Net charge-offs to loans | -0.0269% | 4,090 |
| Credit loss provision to net charge-offs | -700.0000% | 3,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8455% | 1,330 |
| Assets per employee ($millions) | 3.9108% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 761 |
| Loan loss allowance to noncurrent loans | 52.9915% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.4958% | 328 |
| Noncurrent loans to loans | 3.5974% | 155 |
| Net loans and leases to total assets | 40.7884% | 4,166 |
| Net loans and leases to deposits | 46.3016% | 4,218 |
| Net loans and leases to core deposits | 57.4662% | 3,663 |
| Total domestic deposits to total assets | 88.0929% | 1,787 |
| Equity capital to assets | 11.6684% | 1,560 |
| Core capital (leverage) ratio | 11.1080% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,558,000 | 4,850 |
| Average earning assets | $19,419,000 | 4,858 |
| Average equity | $2,700,500 | 4,847 |
| Average total loans | $9,910,250 | 4,800 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2375% | 3,595 |
| Cost of funding earning assets | 0.1557% | 4,164 |
| Net interest margin | 3.0819% | 3,083 |
| Noninterest income to average assets | 1.0834% | 951 |
| Noninterest expense to average assets | 2.3353% | 2,658 |
| Loan and lease loss provision to assets | 0.0241% | 2,487 |
| Net operating income to assets | 0.9389% | 3,097 |
| Return on assets (ROA) | 0.9389% | 3,177 |
| Pretax return on assets | 1.1074% | 3,189 |
| Return on Equity (ROE) | 8.7054% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.7054% | 1,818 |
| Net charge-offs to loans | -0.0201% | 3,998 |
| Credit loss provision to net charge-offs | -300.0000% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3611% | 1,955 |
| Assets per employee ($millions) | 4.1643% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 902 |
| Loan loss allowance to noncurrent loans | 38.0744% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.8290% | 249 |
| Noncurrent loans to loans | 4.6954% | 96 |
| Net loans and leases to total assets | 38.2574% | 4,377 |
| Net loans and leases to deposits | 43.0237% | 4,422 |
| Net loans and leases to core deposits | 52.5076% | 4,108 |
| Total domestic deposits to total assets | 88.9218% | 1,320 |
| Equity capital to assets | 10.9581% | 2,011 |
| Core capital (leverage) ratio | 10.9938% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,922,333 | 4,887 |
| Average earning assets | $19,274,000 | 4,892 |
| Average equity | $2,688,000 | 4,882 |
| Average total loans | $9,961,333 | 4,837 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2376% | 3,614 |
| Cost of funding earning assets | 0.1868% | 4,029 |
| Net interest margin | 3.0508% | 3,126 |
| Noninterest income to average assets | 1.2696% | 781 |
| Noninterest expense to average assets | 2.2981% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2213% | 2,061 |
| Return on assets (ROA) | 1.2213% | 2,143 |
| Pretax return on assets | 1.3338% | 2,477 |
| Return on Equity (ROE) | 11.4157% | 2,218 |
| Retained earnings to average equity (ytd only) | 11.4157% | 1,294 |
| Net charge-offs to loans | 0.0397% | 1,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 684 |
| Efficiency ratio | 63.2743% | 2,565 |
| Assets per employee ($millions) | 3.9982% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 1,012 |
| Loan loss allowance to noncurrent loans | 48.0114% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4673% | 440 |
| Noncurrent loans to loans | 3.5736% | 178 |
| Net loans and leases to total assets | 40.3560% | 4,323 |
| Net loans and leases to deposits | 45.5105% | 4,377 |
| Net loans and leases to core deposits | 56.0827% | 3,969 |
| Total domestic deposits to total assets | 88.6740% | 1,523 |
| Equity capital to assets | 11.2218% | 1,706 |
| Core capital (leverage) ratio | 11.0864% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,890,500 | 4,911 |
| Average earning assets | $19,273,500 | 4,918 |
| Average equity | $2,663,000 | 4,907 |
| Average total loans | $10,075,500 | 4,860 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 3,777 |
| Cost of funding earning assets | 0.3874% | 3,659 |
| Net interest margin | 3.2247% | 3,286 |
| Noninterest income to average assets | 0.3106% | 3,627 |
| Noninterest expense to average assets | 2.4515% | 2,987 |
| Loan and lease loss provision to assets | -0.1491% | 4,969 |
| Net operating income to assets | 0.5756% | 3,827 |
| Return on assets (ROA) | 0.5756% | 3,933 |
| Pretax return on assets | 0.7661% | 3,715 |
| Return on Equity (ROE) | 4.9732% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.2576% | 2,678 |
| Net charge-offs to loans | 0.1018% | 1,456 |
| Credit loss provision to net charge-offs | -327.2727% | 3,861 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 2,273 |
| Efficiency ratio | 79.8920% | 901 |
| Assets per employee ($millions) | 4.2987% | 4,123 |
| Cash dividends to net income (ytd only)* | 14.3885% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 1,164 |
| Loan loss allowance to noncurrent loans | 44.5026% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.4811% | 500 |
| Noncurrent loans to loans | 3.7084% | 168 |
| Net loans and leases to total assets | 39.2796% | 4,469 |
| Net loans and leases to deposits | 43.8742% | 4,533 |
| Net loans and leases to core deposits | 55.3576% | 4,189 |
| Total domestic deposits to total assets | 89.5278% | 758 |
| Equity capital to assets | 10.2125% | 2,924 |
| Core capital (leverage) ratio | 10.1102% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,148,200 | 4,926 |
| Average earning assets | $20,652,800 | 4,923 |
| Average equity | $2,795,000 | 4,919 |
| Average total loans | $10,807,000 | 4,883 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 3,965 |
| Cost of funding earning assets | 0.4379% | 3,594 |
| Net interest margin | 3.1860% | 3,524 |
| Noninterest income to average assets | 0.3258% | 3,537 |
| Noninterest expense to average assets | 2.4658% | 2,947 |
| Loan and lease loss provision to assets | -0.2022% | 5,011 |
| Net operating income to assets | 0.7358% | 3,334 |
| Return on assets (ROA) | 0.7358% | 3,436 |
| Pretax return on assets | 0.8819% | 3,429 |
| Return on Equity (ROE) | 6.1604% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.2199% | 2,465 |
| Net charge-offs to loans | -0.1707% | 4,905 |
| Credit loss provision to net charge-offs | 257.1429% | 1,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3929% | 995 |
| Assets per employee ($millions) | 3.9913% | 4,317 |
| Cash dividends to net income (ytd only)* | 15.2672% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 751 |
| Loan loss allowance to noncurrent loans | 48.8722% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.6661% | 479 |
| Noncurrent loans to loans | 3.6555% | 205 |
| Net loans and leases to total assets | 44.7637% | 4,383 |
| Net loans and leases to deposits | 51.1012% | 4,445 |
| Net loans and leases to core deposits | 68.5904% | 3,726 |
| Total domestic deposits to total assets | 87.5981% | 1,397 |
| Equity capital to assets | 12.0970% | 1,627 |
| Core capital (leverage) ratio | 11.7098% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,737,250 | 4,959 |
| Average earning assets | $21,008,000 | 4,949 |
| Average equity | $2,835,250 | 4,947 |
| Average total loans | $10,933,500 | 4,913 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 4,335 |
| Cost of funding earning assets | 0.4541% | 3,775 |
| Net interest margin | 3.1046% | 3,894 |
| Noninterest income to average assets | 0.2620% | 3,903 |
| Noninterest expense to average assets | 2.4169% | 3,206 |
| Loan and lease loss provision to assets | -0.3042% | 5,047 |
| Net operating income to assets | 0.8366% | 2,912 |
| Return on assets (ROA) | 0.8366% | 3,031 |
| Pretax return on assets | 0.9803% | 3,083 |
| Return on Equity (ROE) | 7.0346% | 3,118 |
| Retained earnings to average equity (ytd only) | 5.6135% | 2,230 |
| Net charge-offs to loans | 0.2925% | 544 |
| Credit loss provision to net charge-offs | -225.0000% | 3,495 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,549 |
| Efficiency ratio | 78.1421% | 1,045 |
| Assets per employee ($millions) | 4.1537% | 4,151 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,287 |
| Loan loss allowance to noncurrent loans | 41.6667% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5890% | 567 |
| Noncurrent loans to loans | 3.5801% | 218 |
| Net loans and leases to total assets | 43.7204% | 4,464 |
| Net loans and leases to deposits | 49.5138% | 4,549 |
| Net loans and leases to core deposits | 65.3590% | 4,001 |
| Total domestic deposits to total assets | 88.2995% | 1,042 |
| Equity capital to assets | 11.4959% | 1,974 |
| Core capital (leverage) ratio | 11.5213% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,667,000 | 4,987 |
| Average earning assets | $21,580,667 | 4,973 |
| Average equity | $2,814,667 | 4,979 |
| Average total loans | $10,939,667 | 4,944 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 4,313 |
| Cost of funding earning assets | 0.5321% | 3,779 |
| Net interest margin | 3.2118% | 3,824 |
| Noninterest income to average assets | 0.2257% | 4,198 |
| Noninterest expense to average assets | 2.4480% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5556% | 3,721 |
| Return on assets (ROA) | 0.5556% | 3,783 |
| Pretax return on assets | 0.7118% | 3,646 |
| Return on Equity (ROE) | 4.5886% | 3,785 |
| Retained earnings to average equity (ytd only) | 4.5886% | 2,461 |
| Net charge-offs to loans | 0.1838% | 736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,878 |
| Efficiency ratio | 77.4725% | 1,405 |
| Assets per employee ($millions) | 3.8718% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9835% | 512 |
| Loan loss allowance to noncurrent loans | 52.0885% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.7520% | 542 |
| Noncurrent loans to loans | 3.8080% | 223 |
| Net loans and leases to total assets | 45.0949% | 4,466 |
| Net loans and leases to deposits | 51.4185% | 4,546 |
| Net loans and leases to core deposits | 69.5941% | 3,904 |
| Total domestic deposits to total assets | 87.7018% | 1,229 |
| Equity capital to assets | 12.0873% | 2,004 |
| Core capital (leverage) ratio | 11.7150% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,039,500 | 5,036 |
| Average earning assets | $21,047,500 | 5,022 |
| Average equity | $2,789,500 | 5,024 |
| Average total loans | $10,879,000 | 4,984 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 4,436 |
| Cost of funding earning assets | 0.5013% | 4,086 |
| Net interest margin | 3.3964% | 3,754 |
| Noninterest income to average assets | 0.3015% | 3,884 |
| Noninterest expense to average assets | 2.6713% | 2,965 |
| Loan and lease loss provision to assets | 0.0892% | 2,235 |
| Net operating income to assets | 0.4629% | 4,482 |
| Return on assets (ROA) | 0.4629% | 4,521 |
| Pretax return on assets | 0.6200% | 4,378 |
| Return on Equity (ROE) | 3.8840% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.4587% | 3,800 |
| Net charge-offs to loans | 0.0263% | 2,871 |
| Credit loss provision to net charge-offs | 700.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 1,035 |
| Efficiency ratio | 79.0201% | 1,033 |
| Assets per employee ($millions) | 3.8178% | 4,135 |
| Cash dividends to net income (ytd only)* | 36.6972% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 484 |
| Loan loss allowance to noncurrent loans | 49.2063% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9252% | 422 |
| Noncurrent loans to loans | 3.9837% | 173 |
| Net loans and leases to total assets | 47.3785% | 4,460 |
| Net loans and leases to deposits | 54.2460% | 4,520 |
| Net loans and leases to core deposits | 76.4834% | 3,543 |
| Total domestic deposits to total assets | 87.3401% | 1,436 |
| Equity capital to assets | 12.3543% | 1,912 |
| Core capital (leverage) ratio | 12.5488% | 1,461 |
| Tier 1 risk-based capital ratio | 22.2345% | 1,001 |
| Total risk-based capital ratio | 23.4924% | 972 |
| Memoranda: | ||
| Average total assets | $23,547,000 | 5,088 |
| Average earning assets | $21,346,200 | 5,077 |
| Average equity | $2,806,400 | 5,083 |
| Average total loans | $11,418,600 | 5,036 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 4,505 |
| Cost of funding earning assets | 0.5150% | 4,083 |
| Net interest margin | 3.4064% | 3,851 |
| Noninterest income to average assets | 0.2981% | 3,956 |
| Noninterest expense to average assets | 2.5983% | 3,170 |
| Loan and lease loss provision to assets | 0.1181% | 1,653 |
| Net operating income to assets | 0.6693% | 4,107 |
| Return on assets (ROA) | 0.6693% | 4,169 |
| Pretax return on assets | 0.6693% | 4,413 |
| Return on Equity (ROE) | 5.6654% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.7134% | 3,049 |
| Net charge-offs to loans | 0.0348% | 2,381 |
| Credit loss provision to net charge-offs | 700.0000% | 475 |
| Earnings coverage of net charge-offs (x) | 46.6650% | 1,250 |
| Efficiency ratio | 76.7442% | 1,242 |
| Assets per employee ($millions) | 3.7142% | 4,265 |
| Cash dividends to net income (ytd only)* | 16.8095% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 566 |
| Loan loss allowance to noncurrent loans | 29.0495% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 3.3520% | 154 |
| Noncurrent loans to loans | 6.4996% | 62 |
| Net loans and leases to total assets | 50.5991% | 4,393 |
| Net loans and leases to deposits | 58.2077% | 4,466 |
| Net loans and leases to core deposits | 83.7244% | 3,118 |
| Total domestic deposits to total assets | 86.9284% | 1,554 |
| Equity capital to assets | 12.8337% | 1,715 |
| Core capital (leverage) ratio | 12.3440% | 1,659 |
| Tier 1 risk-based capital ratio | 21.2570% | 1,162 |
| Total risk-based capital ratio | 22.5139% | 1,140 |
| Memoranda: | ||
| Average total assets | $23,707,000 | 5,165 |
| Average earning assets | $21,488,250 | 5,153 |
| Average equity | $2,800,500 | 5,159 |
| Average total loans | $11,505,750 | 5,113 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 4,750 |
| Cost of funding earning assets | 0.4928% | 4,148 |
| Net interest margin | 3.2763% | 4,184 |
| Noninterest income to average assets | 0.2895% | 4,006 |
| Noninterest expense to average assets | 2.4813% | 3,544 |
| Loan and lease loss provision to assets | 0.1737% | 1,042 |
| Net operating income to assets | 0.6038% | 4,297 |
| Return on assets (ROA) | 0.6203% | 4,293 |
| Pretax return on assets | 0.6203% | 4,507 |
| Return on Equity (ROE) | 5.3944% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.9559% | 3,269 |
| Net charge-offs to loans | 0.0695% | 1,665 |
| Credit loss provision to net charge-offs | 525.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,652 |
| Efficiency ratio | 76.1421% | 1,381 |
| Assets per employee ($millions) | 3.8930% | 4,006 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 683 |
| Loan loss allowance to noncurrent loans | 23.2508% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 3.9772% | 114 |
| Noncurrent loans to loans | 7.7410% | 44 |
| Net loans and leases to total assets | 50.4538% | 4,447 |
| Net loans and leases to deposits | 57.4402% | 4,542 |
| Net loans and leases to core deposits | 79.8604% | 3,434 |
| Total domestic deposits to total assets | 87.8371% | 1,178 |
| Equity capital to assets | 12.0601% | 2,140 |
| Core capital (leverage) ratio | 11.6972% | 2,025 |
| Tier 1 risk-based capital ratio | 19.9490% | 1,357 |
| Total risk-based capital ratio | 21.2037% | 1,331 |
| Memoranda: | ||
| Average total assets | $24,181,000 | 5,208 |
| Average earning assets | $21,915,000 | 5,197 |
| Average equity | $2,780,670 | 5,201 |
| Average total loans | $11,510,000 | 5,160 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,881 |
| Cost of funding earning assets | 0.4504% | 4,283 |
| Net interest margin | 3.2246% | 4,333 |
| Noninterest income to average assets | 0.3090% | 3,805 |
| Noninterest expense to average assets | 2.2121% | 4,234 |
| Loan and lease loss provision to assets | 0.3416% | 354 |
| Net operating income to assets | 0.6669% | 4,036 |
| Return on assets (ROA) | 0.6669% | 4,073 |
| Pretax return on assets | 0.6669% | 4,379 |
| Return on Equity (ROE) | 5.9367% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.9367% | 2,479 |
| Net charge-offs to loans | -0.0710% | 4,936 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6869% | 2,542 |
| Assets per employee ($millions) | 3.7697% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 507 |
| Loan loss allowance to noncurrent loans | 23.3684% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 4.2002% | 106 |
| Noncurrent loans to loans | 8.5332% | 38 |
| Net loans and leases to total assets | 48.2403% | 4,574 |
| Net loans and leases to deposits | 55.2260% | 4,635 |
| Net loans and leases to core deposits | 80.5537% | 3,314 |
| Total domestic deposits to total assets | 87.3508% | 1,641 |
| Equity capital to assets | 12.3442% | 1,823 |
| Core capital (leverage) ratio | 11.4853% | 2,149 |
| Tier 1 risk-based capital ratio | 20.5746% | 1,233 |
| Total risk-based capital ratio | 21.8311% | 1,208 |
| Memoranda: | ||
| Average total assets | $24,592,500 | 5,258 |
| Average earning assets | $22,204,000 | 5,250 |
| Average equity | $2,762,500 | 5,258 |
| Average total loans | $11,264,500 | 5,222 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2622% | 5,107 |
| Cost of funding earning assets | 0.3281% | 4,424 |
| Net interest margin | 2.9340% | 4,871 |
| Noninterest income to average assets | 0.2677% | 4,320 |
| Noninterest expense to average assets | 2.0180% | 4,720 |
| Loan and lease loss provision to assets | 0.3944% | 351 |
| Net operating income to assets | 0.4367% | 4,793 |
| Return on assets (ROA) | 0.4367% | 4,787 |
| Pretax return on assets | 0.5318% | 4,752 |
| Return on Equity (ROE) | 4.5994% | 4,560 |
| Retained earnings to average equity (ytd only) | 3.1157% | 3,834 |
| Net charge-offs to loans | 0.9363% | 164 |
| Credit loss provision to net charge-offs | 104.6729% | 2,430 |
| Earnings coverage of net charge-offs (x) | 2.4579% | 3,516 |
| Efficiency ratio | 68.5407% | 2,464 |
| Assets per employee ($millions) | 4.4278% | 3,271 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 762 |
| Loan loss allowance to noncurrent loans | 21.9890% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 3.4065% | 162 |
| Noncurrent loans to loans | 7.9414% | 45 |
| Net loans and leases to total assets | 42.1463% | 4,877 |
| Net loans and leases to deposits | 47.0265% | 4,958 |
| Net loans and leases to core deposits | 68.5881% | 4,205 |
| Total domestic deposits to total assets | 89.6225% | 612 |
| Equity capital to assets | 10.2872% | 3,387 |
| Core capital (leverage) ratio | 10.4801% | 3,051 |
| Tier 1 risk-based capital ratio | 19.6534% | 1,372 |
| Total risk-based capital ratio | 20.9046% | 1,340 |
| Memoranda: | ||
| Average total assets | $28,395,000 | 5,263 |
| Average earning assets | $25,902,800 | 5,248 |
| Average equity | $2,696,000 | 5,307 |
| Average total loans | $11,427,400 | 5,261 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1736% | 5,210 |
| Cost of funding earning assets | 0.2981% | 4,536 |
| Net interest margin | 2.8754% | 5,008 |
| Noninterest income to average assets | 0.2865% | 4,239 |
| Noninterest expense to average assets | 1.9085% | 4,888 |
| Loan and lease loss provision to assets | 0.4667% | 255 |
| Net operating income to assets | 0.3235% | 5,067 |
| Return on assets (ROA) | 0.3235% | 5,060 |
| Pretax return on assets | 0.5407% | 4,836 |
| Return on Equity (ROE) | 3.4737% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.4814% | 4,408 |
| Net charge-offs to loans | 1.1776% | 114 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.1585% | 3,276 |
| Efficiency ratio | 65.4517% | 2,967 |
| Assets per employee ($millions) | 3.7463% | 4,240 |
| Cash dividends to net income (ytd only)* | 28.5760% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 880 |
| Loan loss allowance to noncurrent loans | 10.0362% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 7.3711% | 41 |
| Noncurrent loans to loans | 16.8880% | 6 |
| Net loans and leases to total assets | 42.9073% | 4,918 |
| Net loans and leases to deposits | 47.8910% | 5,011 |
| Net loans and leases to core deposits | 63.9355% | 4,521 |
| Total domestic deposits to total assets | 89.5935% | 640 |
| Equity capital to assets | 10.2845% | 3,355 |
| Core capital (leverage) ratio | 9.8932% | 3,750 |
| Tier 1 risk-based capital ratio | 19.5087% | 1,435 |
| Total risk-based capital ratio | 20.7620% | 1,401 |
| Memoranda: | ||
| Average total assets | $28,852,000 | 5,325 |
| Average earning assets | $26,383,750 | 5,313 |
| Average equity | $2,686,750 | 5,375 |
| Average total loans | $11,435,250 | 5,326 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0478% | 5,315 |
| Cost of funding earning assets | 0.2864% | 4,525 |
| Net interest margin | 2.7614% | 5,164 |
| Noninterest income to average assets | 0.2960% | 4,201 |
| Noninterest expense to average assets | 1.8501% | 5,033 |
| Loan and lease loss provision to assets | 0.2287% | 705 |
| Net operating income to assets | 0.5382% | 4,659 |
| Return on assets (ROA) | 0.5382% | 4,666 |
| Pretax return on assets | 0.7468% | 4,400 |
| Return on Equity (ROE) | 5.9627% | 4,255 |
| Retained earnings to average equity (ytd only) | 4.4721% | 3,363 |
| Net charge-offs to loans | 1.4696% | 83 |
| Credit loss provision to net charge-offs | 40.4762% | 2,560 |
| Earnings coverage of net charge-offs (x) | 1.7262% | 3,032 |
| Efficiency ratio | 65.4762% | 3,067 |
| Assets per employee ($millions) | 4.9573% | 2,474 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,201 |
| Loan loss allowance to noncurrent loans | 8.0357% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 6.0247% | 61 |
| Noncurrent loans to loans | 16.0963% | 7 |
| Net loans and leases to total assets | 36.9453% | 5,151 |
| Net loans and leases to deposits | 40.6759% | 5,227 |
| Net loans and leases to core deposits | 52.2688% | 4,988 |
| Total domestic deposits to total assets | 90.8284% | 293 |
| Equity capital to assets | 9.0943% | 4,484 |
| Core capital (leverage) ratio | 9.1127% | 4,569 |
| Tier 1 risk-based capital ratio | 19.8795% | 1,343 |
| Total risk-based capital ratio | 20.9378% | 1,351 |
| Memoranda: | ||
| Average total assets | $29,728,000 | 5,378 |
| Average earning assets | $27,233,000 | 5,367 |
| Average equity | $2,683,330 | 5,437 |
| Average total loans | $11,431,670 | 5,385 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 5,317 |
| Cost of funding earning assets | 0.2800% | 4,507 |
| Net interest margin | 2.8151% | 5,144 |
| Noninterest income to average assets | 0.2961% | 4,182 |
| Noninterest expense to average assets | 1.7900% | 5,163 |
| Loan and lease loss provision to assets | 0.2019% | 827 |
| Net operating income to assets | 0.6057% | 4,408 |
| Return on assets (ROA) | 0.6057% | 4,414 |
| Pretax return on assets | 0.8748% | 3,931 |
| Return on Equity (ROE) | 6.7353% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.7353% | 2,394 |
| Net charge-offs to loans | 1.8997% | 64 |
| Credit loss provision to net charge-offs | 27.2727% | 2,088 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 2,554 |
| Efficiency ratio | 62.4413% | 3,710 |
| Assets per employee ($millions) | 4.9038% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 1,943 |
| Loan loss allowance to noncurrent loans | 128.3333% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 3,196 |
| Noncurrent loans to loans | 1.0695% | 1,713 |
| Net loans and leases to total assets | 37.6100% | 5,153 |
| Net loans and leases to deposits | 41.4643% | 5,236 |
| Net loans and leases to core deposits | 54.6820% | 4,895 |
| Total domestic deposits to total assets | 90.7046% | 410 |
| Equity capital to assets | 9.1425% | 4,424 |
| Core capital (leverage) ratio | 9.3225% | 4,291 |
| Tier 1 risk-based capital ratio | 21.6848% | 1,104 |
| Total risk-based capital ratio | 22.9262% | 1,074 |
| Memoranda: | ||
| Average total assets | $29,720,000 | 5,437 |
| Average earning assets | $27,139,000 | 5,428 |
| Average equity | $2,672,500 | 5,496 |
| Average total loans | $11,581,000 | 5,443 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2532% | 5,129 |
| Cost of funding earning assets | 0.3002% | 4,138 |
| Net interest margin | 2.9530% | 4,975 |
| Noninterest income to average assets | 0.5772% | 2,572 |
| Noninterest expense to average assets | 2.1019% | 4,759 |
| Loan and lease loss provision to assets | 0.2904% | 600 |
| Net operating income to assets | 0.5445% | 4,242 |
| Return on assets (ROA) | 0.5445% | 4,273 |
| Pretax return on assets | 0.8277% | 4,175 |
| Return on Equity (ROE) | 5.7379% | 3,857 |
| Retained earnings to average equity (ytd only) | 4.2078% | 2,640 |
| Net charge-offs to loans | 0.0424% | 2,938 |
| Credit loss provision to net charge-offs | 1,600.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 61.6000% | 939 |
| Efficiency ratio | 65.2762% | 3,389 |
| Assets per employee ($millions) | 4.2881% | 3,505 |
| Cash dividends to net income (ytd only)* | 26.6667% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 1,086 |
| Loan loss allowance to noncurrent loans | 30.4553% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 2.1221% | 509 |
| Noncurrent loans to loans | 5.3341% | 118 |
| Net loans and leases to total assets | 39.1378% | 5,167 |
| Net loans and leases to deposits | 43.0882% | 5,265 |
| Net loans and leases to core deposits | 55.7253% | 4,946 |
| Total domestic deposits to total assets | 90.8319% | 286 |
| Equity capital to assets | 8.7684% | 4,913 |
| Core capital (leverage) ratio | 9.1215% | 4,498 |
| Tier 1 risk-based capital ratio | 20.7882% | 1,178 |
| Total risk-based capital ratio | 22.0441% | 1,153 |
| Memoranda: | ||
| Average total assets | $27,546,400 | 5,527 |
| Average earning assets | $24,652,800 | 5,515 |
| Average equity | $2,614,200 | 5,560 |
| Average total loans | $11,780,800 | 5,508 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 5,146 |
| Cost of funding earning assets | 0.3101% | 4,027 |
| Net interest margin | 2.9631% | 5,001 |
| Noninterest income to average assets | 0.3961% | 3,712 |
| Noninterest expense to average assets | 1.9359% | 5,077 |
| Loan and lease loss provision to assets | 0.1040% | 2,029 |
| Net operating income to assets | 0.8615% | 3,222 |
| Return on assets (ROA) | 0.8615% | 3,271 |
| Pretax return on assets | 1.0051% | 3,667 |
| Return on Equity (ROE) | 8.8894% | 2,676 |
| Retained earnings to average equity (ytd only) | 7.8678% | 1,276 |
| Net charge-offs to loans | -0.0113% | 4,665 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5772% | 3,632 |
| Assets per employee ($millions) | 3.9993% | 3,995 |
| Cash dividends to net income (ytd only)* | 11.4962% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 3,084 |
| Loan loss allowance to noncurrent loans | 96.5753% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 2,969 |
| Noncurrent loans to loans | 1.2118% | 1,568 |
| Net loans and leases to total assets | 42.5326% | 5,094 |
| Net loans and leases to deposits | 47.1882% | 5,217 |
| Net loans and leases to core deposits | 63.3149% | 4,636 |
| Total domestic deposits to total assets | 90.1340% | 430 |
| Equity capital to assets | 9.6267% | 4,319 |
| Core capital (leverage) ratio | 10.0702% | 3,481 |
| Tier 1 risk-based capital ratio | 17.9919% | 1,856 |
| Total risk-based capital ratio | 18.9332% | 1,888 |
| Memoranda: | ||
| Average total assets | $26,928,750 | 5,594 |
| Average earning assets | $24,073,500 | 5,585 |
| Average equity | $2,609,750 | 5,621 |
| Average total loans | $11,740,500 | 5,566 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2973% | 5,112 |
| Cost of funding earning assets | 0.3229% | 3,859 |
| Net interest margin | 2.9744% | 4,966 |
| Noninterest income to average assets | 0.4290% | 3,497 |
| Noninterest expense to average assets | 1.9644% | 5,051 |
| Loan and lease loss provision to assets | 0.1581% | 1,262 |
| Net operating income to assets | 0.7978% | 3,411 |
| Return on assets (ROA) | 0.7978% | 3,468 |
| Pretax return on assets | 0.9408% | 3,793 |
| Return on Equity (ROE) | 8.2128% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.6632% | 1,759 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1278% | 3,647 |
| Assets per employee ($millions) | 4.3465% | 3,351 |
| Cash dividends to net income (ytd only)* | 18.8679% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,106 |
| Loan loss allowance to noncurrent loans | 85.3659% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 2,676 |
| Noncurrent loans to loans | 1.3898% | 1,388 |
| Net loans and leases to total assets | 44.7103% | 5,010 |
| Net loans and leases to deposits | 49.9272% | 5,137 |
| Net loans and leases to core deposits | 68.8393% | 4,311 |
| Total domestic deposits to total assets | 89.5510% | 712 |
| Equity capital to assets | 10.0809% | 3,818 |
| Core capital (leverage) ratio | 10.0206% | 3,513 |
| Tier 1 risk-based capital ratio | 18.0143% | 1,852 |
| Total risk-based capital ratio | 18.9736% | 1,903 |
| Memoranda: | ||
| Average total assets | $26,573,330 | 5,640 |
| Average earning assets | $23,534,330 | 5,636 |
| Average equity | $2,581,330 | 5,672 |
| Average total loans | $11,638,000 | 5,615 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2694% | 5,149 |
| Cost of funding earning assets | 0.3252% | 3,800 |
| Net interest margin | 2.9442% | 5,004 |
| Noninterest income to average assets | 0.4027% | 3,641 |
| Noninterest expense to average assets | 1.9239% | 5,193 |
| Loan and lease loss provision to assets | 0.0149% | 3,371 |
| Net operating income to assets | 0.8799% | 2,861 |
| Return on assets (ROA) | 0.8799% | 2,913 |
| Pretax return on assets | 1.0291% | 3,239 |
| Return on Equity (ROE) | 9.2278% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.2278% | 1,008 |
| Net charge-offs to loans | -0.0346% | 5,000 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8241% | 3,695 |
| Assets per employee ($millions) | 4.4498% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,874 |
| Loan loss allowance to noncurrent loans | 636.8421% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,988 |
| Noncurrent loans to loans | 0.1683% | 4,516 |
| Net loans and leases to total assets | 41.8255% | 5,171 |
| Net loans and leases to deposits | 46.4827% | 5,282 |
| Net loans and leases to core deposits | 69.3990% | 4,192 |
| Total domestic deposits to total assets | 89.9809% | 665 |
| Equity capital to assets | 9.7120% | 4,054 |
| Core capital (leverage) ratio | 9.8428% | 3,702 |
| Tier 1 risk-based capital ratio | 18.1367% | 1,822 |
| Total risk-based capital ratio | 18.9830% | 1,921 |
| Memoranda: | ||
| Average total assets | $26,820,500 | 5,706 |
| Average earning assets | $23,368,000 | 5,701 |
| Average equity | $2,557,500 | 5,739 |
| Average total loans | $11,557,000 | 5,679 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3619% | 5,054 |
| Cost of funding earning assets | 0.3009% | 4,054 |
| Net interest margin | 3.0610% | 4,819 |
| Noninterest income to average assets | 0.3853% | 3,996 |
| Noninterest expense to average assets | 2.0805% | 5,033 |
| Loan and lease loss provision to assets | 0.0963% | 2,439 |
| Net operating income to assets | 0.6511% | 3,993 |
| Return on assets (ROA) | 0.6511% | 4,109 |
| Pretax return on assets | 0.9131% | 3,800 |
| Return on Equity (ROE) | 6.7871% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.1807% | 2,213 |
| Net charge-offs to loans | 0.1399% | 1,857 |
| Credit loss provision to net charge-offs | 156.2500% | 1,761 |
| Earnings coverage of net charge-offs (x) | 16.3750% | 2,117 |
| Efficiency ratio | 67.3317% | 3,379 |
| Assets per employee ($millions) | 4.4903% | 3,128 |
| Cash dividends to net income (ytd only)* | 23.6686% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 4,285 |
| Loan loss allowance to noncurrent loans | 1,487.5000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 5,252 |
| Noncurrent loans to loans | 0.0676% | 4,970 |
| Net loans and leases to total assets | 43.4526% | 5,151 |
| Net loans and leases to deposits | 48.1136% | 5,292 |
| Net loans and leases to core deposits | 71.1802% | 4,138 |
| Total domestic deposits to total assets | 90.3125% | 511 |
| Equity capital to assets | 9.3608% | 4,414 |
| Core capital (leverage) ratio | 9.2792% | 4,374 |
| Tier 1 risk-based capital ratio | 17.1041% | 2,125 |
| Total risk-based capital ratio | 17.9112% | 2,230 |
| Memoranda: | ||
| Average total assets | $25,955,600 | 5,768 |
| Average earning assets | $22,933,400 | 5,760 |
| Average equity | $2,490,000 | 5,801 |
| Average total loans | $11,440,000 | 5,739 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 5,153 |
| Cost of funding earning assets | 0.2896% | 4,213 |
| Net interest margin | 3.0461% | 4,909 |
| Noninterest income to average assets | 0.3941% | 3,962 |
| Noninterest expense to average assets | 2.1315% | 4,934 |
| Loan and lease loss provision to assets | 0.0726% | 2,760 |
| Net operating income to assets | 0.6586% | 4,039 |
| Return on assets (ROA) | 0.6586% | 4,160 |
| Pretax return on assets | 0.9180% | 3,915 |
| Return on Equity (ROE) | 6.8223% | 3,654 |
| Retained earnings to average equity (ytd only) | 5.7478% | 2,329 |
| Net charge-offs to loans | 0.0470% | 2,704 |
| Credit loss provision to net charge-offs | 350.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 47.7786% | 1,115 |
| Efficiency ratio | 68.2724% | 3,182 |
| Assets per employee ($millions) | 4.4303% | 3,191 |
| Cash dividends to net income (ytd only)* | 15.7503% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,418 |
| Loan loss allowance to noncurrent loans | 315.7895% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 4,865 |
| Noncurrent loans to loans | 0.3164% | 4,118 |
| Net loans and leases to total assets | 44.7295% | 5,155 |
| Net loans and leases to deposits | 49.6887% | 5,309 |
| Net loans and leases to core deposits | 69.7238% | 4,346 |
| Total domestic deposits to total assets | 90.0196% | 477 |
| Equity capital to assets | 9.5704% | 4,588 |
| Core capital (leverage) ratio | 9.5812% | 4,081 |
| Tier 1 risk-based capital ratio | 17.1590% | 2,179 |
| Total risk-based capital ratio | 17.9684% | 2,277 |
| Memoranda: | ||
| Average total assets | $25,709,000 | 5,831 |
| Average earning assets | $23,023,250 | 5,821 |
| Average equity | $2,482,000 | 5,866 |
| Average total loans | $11,343,500 | 5,802 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 5,322 |
| Cost of funding earning assets | 0.2871% | 4,275 |
| Net interest margin | 2.9930% | 5,097 |
| Noninterest income to average assets | 0.3777% | 4,044 |
| Noninterest expense to average assets | 2.1402% | 4,974 |
| Loan and lease loss provision to assets | 0.0315% | 3,500 |
| Net operating income to assets | 0.6452% | 4,063 |
| Return on assets (ROA) | 0.6452% | 4,207 |
| Pretax return on assets | 0.9127% | 3,906 |
| Return on Equity (ROE) | 6.6631% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.0379% | 2,715 |
| Net charge-offs to loans | 0.0719% | 2,154 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,388 |
| Efficiency ratio | 69.3878% | 3,077 |
| Assets per employee ($millions) | 4.4000% | 3,218 |
| Cash dividends to net income (ytd only)* | 24.3902% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,880 |
| Loan loss allowance to noncurrent loans | 86.5079% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 3,622 |
| Noncurrent loans to loans | 1.0673% | 2,157 |
| Net loans and leases to total assets | 44.3068% | 5,212 |
| Net loans and leases to deposits | 49.1367% | 5,376 |
| Net loans and leases to core deposits | 69.6250% | 4,353 |
| Total domestic deposits to total assets | 90.1705% | 424 |
| Equity capital to assets | 9.4924% | 4,773 |
| Core capital (leverage) ratio | 9.6388% | 4,011 |
| Tier 1 risk-based capital ratio | 16.9967% | 2,221 |
| Total risk-based capital ratio | 17.7360% | 2,381 |
| Memoranda: | ||
| Average total assets | $25,418,000 | 5,908 |
| Average earning assets | $22,986,670 | 5,896 |
| Average equity | $2,461,330 | 5,941 |
| Average total loans | $11,121,330 | 5,881 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2517% | 5,410 |
| Cost of funding earning assets | 0.2843% | 4,340 |
| Net interest margin | 2.9674% | 5,186 |
| Noninterest income to average assets | 0.3370% | 4,323 |
| Noninterest expense to average assets | 2.0700% | 5,179 |
| Loan and lease loss provision to assets | 0.0642% | 2,674 |
| Net operating income to assets | 0.6098% | 4,137 |
| Return on assets (ROA) | 0.6098% | 4,255 |
| Pretax return on assets | 0.8826% | 3,919 |
| Return on Equity (ROE) | 6.2321% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.2321% | 2,267 |
| Net charge-offs to loans | 0.0742% | 1,742 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,191 |
| Efficiency ratio | 68.6170% | 3,358 |
| Assets per employee ($millions) | 4.0312% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,435 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 4,874 |
| Noncurrent loans to loans | 0.3871% | 4,052 |
| Net loans and leases to total assets | 44.3957% | 5,221 |
| Net loans and leases to deposits | 49.6463% | 5,361 |
| Net loans and leases to core deposits | 72.8642% | 3,988 |
| Total domestic deposits to total assets | 89.4241% | 875 |
| Equity capital to assets | 10.1997% | 3,841 |
| Core capital (leverage) ratio | 10.0962% | 3,427 |
| Tier 1 risk-based capital ratio | 18.1424% | 1,946 |
| Total risk-based capital ratio | 18.9660% | 2,029 |
| Memoranda: | ||
| Average total assets | $24,927,000 | 5,972 |
| Average earning assets | $22,511,000 | 5,961 |
| Average equity | $2,439,000 | 6,001 |
| Average total loans | $10,779,000 | 5,946 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1329% | 5,599 |
| Cost of funding earning assets | 0.2337% | 4,969 |
| Net interest margin | 2.8992% | 5,339 |
| Noninterest income to average assets | 0.3782% | 4,195 |
| Noninterest expense to average assets | 2.1417% | 5,168 |
| Loan and lease loss provision to assets | 0.0717% | 2,839 |
| Net operating income to assets | 0.6131% | 4,209 |
| Return on assets (ROA) | 0.6131% | 4,304 |
| Pretax return on assets | 0.8320% | 4,101 |
| Return on Equity (ROE) | 6.5122% | 3,772 |
| Retained earnings to average equity (ytd only) | 4.8207% | 2,551 |
| Net charge-offs to loans | 0.0193% | 3,883 |
| Credit loss provision to net charge-offs | 900.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 523 |
| Efficiency ratio | 70.3268% | 3,172 |
| Assets per employee ($millions) | 4.2778% | 3,436 |
| Cash dividends to net income (ytd only)* | 25.9740% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,453 |
| Loan loss allowance to noncurrent loans | 211.5385% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 4,781 |
| Noncurrent loans to loans | 0.4856% | 3,745 |
| Net loans and leases to total assets | 41.2904% | 5,452 |
| Net loans and leases to deposits | 45.7955% | 5,578 |
| Net loans and leases to core deposits | 65.1703% | 4,656 |
| Total domestic deposits to total assets | 90.1625% | 565 |
| Equity capital to assets | 9.3934% | 4,675 |
| Core capital (leverage) ratio | 9.5285% | 4,134 |
| Tier 1 risk-based capital ratio | 17.3466% | 2,164 |
| Total risk-based capital ratio | 18.1380% | 2,275 |
| Memoranda: | ||
| Average total assets | $25,120,200 | 6,024 |
| Average earning assets | $23,109,600 | 6,009 |
| Average equity | $2,364,800 | 6,065 |
| Average total loans | $10,382,800 | 6,007 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1149% | 5,689 |
| Cost of funding earning assets | 0.2254% | 5,129 |
| Net interest margin | 2.8895% | 5,434 |
| Noninterest income to average assets | 0.4910% | 3,431 |
| Noninterest expense to average assets | 2.1240% | 5,226 |
| Loan and lease loss provision to assets | 0.0961% | 2,254 |
| Net operating income to assets | 0.6885% | 3,954 |
| Return on assets (ROA) | 0.6885% | 4,071 |
| Pretax return on assets | 0.9393% | 3,848 |
| Return on Equity (ROE) | 7.3090% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.1757% | 2,133 |
| Net charge-offs to loans | 0.0259% | 3,423 |
| Credit loss provision to net charge-offs | 900.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 96.8764% | 646 |
| Efficiency ratio | 67.2297% | 3,672 |
| Assets per employee ($millions) | 4.1888% | 3,536 |
| Cash dividends to net income (ytd only)* | 15.5058% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,726 |
| Loan loss allowance to noncurrent loans | 354.8387% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 5,258 |
| Noncurrent loans to loans | 0.2829% | 4,567 |
| Net loans and leases to total assets | 43.1584% | 5,412 |
| Net loans and leases to deposits | 47.9935% | 5,570 |
| Net loans and leases to core deposits | 68.9662% | 4,460 |
| Total domestic deposits to total assets | 89.9256% | 600 |
| Equity capital to assets | 9.6288% | 4,604 |
| Core capital (leverage) ratio | 9.6808% | 4,053 |
| Tier 1 risk-based capital ratio | 17.3751% | 2,224 |
| Total risk-based capital ratio | 18.1648% | 2,357 |
| Memoranda: | ||
| Average total assets | $24,983,500 | 6,112 |
| Average earning assets | $23,071,500 | 6,091 |
| Average equity | $2,353,250 | 6,151 |
| Average total loans | $10,301,500 | 6,088 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0673% | 5,779 |
| Cost of funding earning assets | 0.2085% | 5,372 |
| Net interest margin | 2.8588% | 5,522 |
| Noninterest income to average assets | 0.4492% | 3,715 |
| Noninterest expense to average assets | 2.0454% | 5,449 |
| Loan and lease loss provision to assets | 0.0561% | 2,983 |
| Net operating income to assets | 0.7380% | 3,700 |
| Return on assets (ROA) | 0.7380% | 3,809 |
| Pretax return on assets | 0.9866% | 3,636 |
| Return on Equity (ROE) | 7.8936% | 3,115 |
| Retained earnings to average equity (ytd only) | 6.1776% | 2,132 |
| Net charge-offs to loans | 0.0198% | 3,286 |
| Credit loss provision to net charge-offs | 700.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 484 |
| Efficiency ratio | 66.2338% | 3,969 |
| Assets per employee ($millions) | 4.1813% | 3,502 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 5,093 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 5,349 |
| Noncurrent loans to loans | 0.3043% | 4,596 |
| Net loans and leases to total assets | 41.5218% | 5,534 |
| Net loans and leases to deposits | 45.9688% | 5,680 |
| Net loans and leases to core deposits | 65.9387% | 4,660 |
| Total domestic deposits to total assets | 90.3261% | 526 |
| Equity capital to assets | 9.3551% | 4,836 |
| Core capital (leverage) ratio | 9.3098% | 4,534 |
| Tier 1 risk-based capital ratio | 17.8918% | 2,098 |
| Total risk-based capital ratio | 18.6442% | 2,211 |
| Memoranda: | ||
| Average total assets | $24,933,670 | 6,190 |
| Average earning assets | $23,017,000 | 6,162 |
| Average equity | $2,331,000 | 6,225 |
| Average total loans | $10,083,000 | 6,163 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9877% | 5,908 |
| Cost of funding earning assets | 0.2084% | 5,432 |
| Net interest margin | 2.7792% | 5,687 |
| Noninterest income to average assets | 0.7402% | 1,963 |
| Noninterest expense to average assets | 2.1081% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9494% | 2,513 |
| Return on assets (ROA) | 0.9494% | 2,646 |
| Pretax return on assets | 1.2069% | 2,639 |
| Return on Equity (ROE) | 10.1593% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.1593% | 881 |
| Net charge-offs to loans | -0.0405% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5922% | 4,539 |
| Assets per employee ($millions) | 4.0943% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 5,115 |
| Loan loss allowance to noncurrent loans | 3,166.6667% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,906 |
| Noncurrent loans to loans | 0.0311% | 5,672 |
| Net loans and leases to total assets | 38.9278% | 5,667 |
| Net loans and leases to deposits | 43.2265% | 5,787 |
| Net loans and leases to core deposits | 62.6507% | 4,804 |
| Total domestic deposits to total assets | 90.0554% | 724 |
| Equity capital to assets | 9.6271% | 4,599 |
| Core capital (leverage) ratio | 9.8503% | 3,819 |
| Tier 1 risk-based capital ratio | 18.8375% | 1,913 |
| Total risk-based capital ratio | 19.5970% | 2,003 |
| Memoranda: | ||
| Average total assets | $24,856,500 | 6,257 |
| Average earning assets | $23,028,000 | 6,226 |
| Average equity | $2,323,000 | 6,292 |
| Average total loans | $9,866,000 | 6,236 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 5,835 |
| Cost of funding earning assets | 0.1963% | 5,777 |
| Net interest margin | 3.0061% | 5,439 |
| Noninterest income to average assets | 0.4499% | 3,828 |
| Noninterest expense to average assets | 2.4722% | 4,633 |
| Loan and lease loss provision to assets | 0.0349% | 3,890 |
| Net operating income to assets | 0.4979% | 4,818 |
| Return on assets (ROA) | 0.4979% | 4,912 |
| Pretax return on assets | 0.6857% | 4,675 |
| Return on Equity (ROE) | 5.1715% | 4,575 |
| Retained earnings to average equity (ytd only) | 3.3569% | 3,824 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4282% | 2,290 |
| Assets per employee ($millions) | 4.1912% | 3,562 |
| Cash dividends to net income (ytd only)* | 35.0877% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 5,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 39.6866% | 5,765 |
| Net loans and leases to deposits | 43.8335% | 5,882 |
| Net loans and leases to core deposits | 60.7981% | 5,077 |
| Total domestic deposits to total assets | 90.5396% | 526 |
| Equity capital to assets | 9.0707% | 5,214 |
| Core capital (leverage) ratio | 9.5876% | 4,120 |
| Tier 1 risk-based capital ratio | 17.7786% | 2,206 |
| Total risk-based capital ratio | 18.5062% | 2,357 |
| Memoranda: | ||
| Average total assets | $22,894,800 | 6,375 |
| Average earning assets | $20,891,200 | 6,357 |
| Average equity | $2,204,400 | 6,380 |
| Average total loans | $8,947,200 | 6,341 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 5,900 |
| Cost of funding earning assets | 0.1906% | 5,905 |
| Net interest margin | 3.0093% | 5,482 |
| Noninterest income to average assets | 0.4657% | 3,762 |
| Noninterest expense to average assets | 2.6091% | 4,170 |
| Loan and lease loss provision to assets | 0.0478% | 3,421 |
| Net operating income to assets | 0.4418% | 5,106 |
| Return on assets (ROA) | 0.4418% | 5,184 |
| Pretax return on assets | 0.5433% | 5,199 |
| Return on Equity (ROE) | 4.5148% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.2948% | 4,278 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5299% | 1,673 |
| Assets per employee ($millions) | 3.3971% | 5,052 |
| Cash dividends to net income (ytd only)* | 27.0322% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 5,411 |
| Loan loss allowance to noncurrent loans | 522.2222% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 5,659 |
| Noncurrent loans to loans | 0.1826% | 5,365 |
| Net loans and leases to total assets | 41.0471% | 5,750 |
| Net loans and leases to deposits | 46.5275% | 5,840 |
| Net loans and leases to core deposits | 66.7145% | 4,643 |
| Total domestic deposits to total assets | 88.2212% | 1,646 |
| Equity capital to assets | 9.3734% | 4,949 |
| Core capital (leverage) ratio | 10.0437% | 3,615 |
| Tier 1 risk-based capital ratio | 18.2921% | 2,115 |
| Total risk-based capital ratio | 19.0472% | 2,242 |
| Memoranda: | ||
| Average total assets | $22,331,750 | 6,455 |
| Average earning assets | $20,292,000 | 6,440 |
| Average equity | $2,185,250 | 6,458 |
| Average total loans | $8,665,500 | 6,422 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2026% | 5,948 |
| Cost of funding earning assets | 0.1913% | 5,990 |
| Net interest margin | 3.0112% | 5,489 |
| Noninterest income to average assets | 0.4851% | 3,592 |
| Noninterest expense to average assets | 2.6546% | 4,035 |
| Loan and lease loss provision to assets | 0.0366% | 3,559 |
| Net operating income to assets | 0.4302% | 5,096 |
| Return on assets (ROA) | 0.4302% | 5,183 |
| Pretax return on assets | 0.5309% | 5,190 |
| Return on Equity (ROE) | 4.3305% | 5,009 |
| Retained earnings to average equity (ytd only) | 2.4877% | 4,622 |
| Net charge-offs to loans | -0.0242% | 5,605 |
| Credit loss provision to net charge-offs | -400.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3864% | 1,704 |
| Assets per employee ($millions) | 3.0417% | 5,697 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 4,894 |
| Loan loss allowance to noncurrent loans | 9,100.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 5,853 |
| Noncurrent loans to loans | 0.0121% | 6,048 |
| Net loans and leases to total assets | 38.3055% | 5,938 |
| Net loans and leases to deposits | 42.9150% | 6,035 |
| Net loans and leases to core deposits | 61.2726% | 5,029 |
| Total domestic deposits to total assets | 89.2589% | 1,219 |
| Equity capital to assets | 10.3795% | 3,583 |
| Core capital (leverage) ratio | 10.3451% | 3,142 |
| Tier 1 risk-based capital ratio | 21.1560% | 1,420 |
| Total risk-based capital ratio | 22.0113% | 1,478 |
| Memoranda: | ||
| Average total assets | $21,849,000 | 6,526 |
| Average earning assets | $19,859,000 | 6,511 |
| Average equity | $2,170,670 | 6,519 |
| Average total loans | $8,269,000 | 6,499 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1502% | 6,064 |
| Cost of funding earning assets | 0.1783% | 6,180 |
| Net interest margin | 2.9719% | 5,592 |
| Noninterest income to average assets | 0.4158% | 4,060 |
| Noninterest expense to average assets | 2.5850% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4158% | 5,062 |
| Return on assets (ROA) | 0.4158% | 5,131 |
| Pretax return on assets | 0.5423% | 5,038 |
| Return on Equity (ROE) | 4.2771% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.2771% | 3,558 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6590% | 1,843 |
| Assets per employee ($millions) | 3.0674% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 5,172 |
| Loan loss allowance to noncurrent loans | 162.2642% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 4,912 |
| Noncurrent loans to loans | 0.6695% | 4,186 |
| Net loans and leases to total assets | 36.4661% | 6,045 |
| Net loans and leases to deposits | 40.6415% | 6,150 |
| Net loans and leases to core deposits | 51.1564% | 5,678 |
| Total domestic deposits to total assets | 89.7262% | 1,229 |
| Equity capital to assets | 10.1062% | 3,717 |
| Core capital (leverage) ratio | 10.4836% | 2,953 |
| Tier 1 risk-based capital ratio | 23.5504% | 1,069 |
| Total risk-based capital ratio | 24.4521% | 1,096 |
| Memoranda: | ||
| Average total assets | $22,127,500 | 6,595 |
| Average earning assets | $20,189,000 | 6,577 |
| Average equity | $2,151,000 | 6,583 |
| Average total loans | $8,280,000 | 6,564 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0347% | 6,307 |
| Cost of funding earning assets | 0.1958% | 6,314 |
| Net interest margin | 2.8389% | 5,918 |
| Noninterest income to average assets | 0.4844% | 3,860 |
| Noninterest expense to average assets | 2.7527% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3354% | 5,393 |
| Return on assets (ROA) | 0.3354% | 5,497 |
| Pretax return on assets | 0.4332% | 5,404 |
| Return on Equity (ROE) | 3.3269% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.4786% | 5,154 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4035% | 1,376 |
| Assets per employee ($millions) | 3.2547% | 5,383 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,598 |
| Loan loss allowance to noncurrent loans | 358.3333% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 5,485 |
| Noncurrent loans to loans | 0.2776% | 5,341 |
| Net loans and leases to total assets | 37.5631% | 6,124 |
| Net loans and leases to deposits | 41.5155% | 6,252 |
| Net loans and leases to core deposits | 52.1797% | 5,785 |
| Total domestic deposits to total assets | 90.4797% | 825 |
| Equity capital to assets | 9.3579% | 4,605 |
| Core capital (leverage) ratio | 10.2558% | 3,211 |
| Tier 1 risk-based capital ratio | 19.5433% | 1,770 |
| Total risk-based capital ratio | 20.2986% | 1,862 |
| Memoranda: | ||
| Average total assets | $21,469,800 | 6,683 |
| Average earning assets | $20,430,200 | 6,647 |
| Average equity | $2,164,200 | 6,667 |
| Average total loans | $8,346,600 | 6,635 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0409% | 6,380 |
| Cost of funding earning assets | 0.2186% | 6,298 |
| Net interest margin | 2.8223% | 5,983 |
| Noninterest income to average assets | 0.5550% | 3,421 |
| Noninterest expense to average assets | 2.8064% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3847% | 5,302 |
| Return on assets (ROA) | 0.3847% | 5,443 |
| Pretax return on assets | 0.4352% | 5,538 |
| Return on Equity (ROE) | 3.7440% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.5167% | 4,813 |
| Net charge-offs to loans | 0.0161% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 69.1729% | 670 |
| Efficiency ratio | 86.5759% | 1,308 |
| Assets per employee ($millions) | 3.4207% | 5,017 |
| Cash dividends to net income (ytd only)* | 32.7923% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 5,903 |
| Loan loss allowance to noncurrent loans | 236.1111% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 5,247 |
| Noncurrent loans to loans | 0.4043% | 5,183 |
| Net loans and leases to total assets | 42.9692% | 5,821 |
| Net loans and leases to deposits | 48.0495% | 5,963 |
| Net loans and leases to core deposits | 62.3515% | 5,078 |
| Total domestic deposits to total assets | 89.4270% | 1,339 |
| Equity capital to assets | 10.4561% | 3,333 |
| Core capital (leverage) ratio | 10.8154% | 2,656 |
| Tier 1 risk-based capital ratio | 19.9857% | 1,742 |
| Total risk-based capital ratio | 20.7458% | 1,827 |
| Memoranda: | ||
| Average total assets | $21,141,500 | 6,759 |
| Average earning assets | $20,125,250 | 6,729 |
| Average equity | $2,172,250 | 6,744 |
| Average total loans | $8,272,250 | 6,714 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9118% | 6,523 |
| Cost of funding earning assets | 0.2157% | 6,399 |
| Net interest margin | 2.6961% | 6,183 |
| Noninterest income to average assets | 0.5715% | 3,376 |
| Noninterest expense to average assets | 2.7451% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3560% | 5,384 |
| Return on assets (ROA) | 0.3560% | 5,563 |
| Pretax return on assets | 0.4029% | 5,636 |
| Return on Equity (ROE) | 3.4846% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.6506% | 5,199 |
| Net charge-offs to loans | -0.0496% | 6,266 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2024% | 1,303 |
| Assets per employee ($millions) | 2.9971% | 5,855 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 5,729 |
| Loan loss allowance to noncurrent loans | 488.8889% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 5,581 |
| Noncurrent loans to loans | 0.2089% | 5,784 |
| Net loans and leases to total assets | 40.6578% | 6,001 |
| Net loans and leases to deposits | 45.3073% | 6,151 |
| Net loans and leases to core deposits | 57.3522% | 5,483 |
| Total domestic deposits to total assets | 89.7378% | 1,181 |
| Equity capital to assets | 10.1430% | 3,730 |
| Core capital (leverage) ratio | 10.5766% | 2,797 |
| Tier 1 risk-based capital ratio | 20.0018% | 1,719 |
| Total risk-based capital ratio | 20.7975% | 1,819 |
| Memoranda: | ||
| Average total assets | $21,347,330 | 6,807 |
| Average earning assets | $20,399,670 | 6,774 |
| Average equity | $2,181,000 | 6,792 |
| Average total loans | $8,061,670 | 6,771 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8221% | 6,667 |
| Cost of funding earning assets | 0.2126% | 6,518 |
| Net interest margin | 2.6095% | 6,360 |
| Noninterest income to average assets | 0.4644% | 4,025 |
| Noninterest expense to average assets | 2.6566% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2787% | 5,637 |
| Return on assets (ROA) | 0.2787% | 5,756 |
| Pretax return on assets | 0.3158% | 5,822 |
| Return on Equity (ROE) | 2.7180% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.7180% | 4,659 |
| Net charge-offs to loans | -0.1028% | 6,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3750% | 1,201 |
| Assets per employee ($millions) | 2.9247% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,511 |
| Loan loss allowance to noncurrent loans | 58.6667% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9476% | 4,032 |
| Noncurrent loans to loans | 1.9169% | 2,714 |
| Net loans and leases to total assets | 37.7912% | 6,162 |
| Net loans and leases to deposits | 42.4573% | 6,291 |
| Net loans and leases to core deposits | 54.2110% | 5,651 |
| Total domestic deposits to total assets | 89.0099% | 1,678 |
| Equity capital to assets | 10.8240% | 3,173 |
| Core capital (leverage) ratio | 10.7471% | 2,497 |
| Tier 1 risk-based capital ratio | 21.0066% | 1,533 |
| Total risk-based capital ratio | 21.8438% | 1,603 |
| Memoranda: | ||
| Average total assets | $21,531,000 | 6,880 |
| Average earning assets | $20,694,000 | 6,838 |
| Average equity | $2,207,500 | 6,856 |
| Average total loans | $7,783,500 | 6,854 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3517% | 6,539 |
| Cost of funding earning assets | 0.2876% | 6,512 |
| Net interest margin | 3.0641% | 5,900 |
| Noninterest income to average assets | 0.4358% | 4,355 |
| Noninterest expense to average assets | 2.7093% | 4,370 |
| Loan and lease loss provision to assets | 0.0237% | 5,598 |
| Net operating income to assets | 0.5068% | 4,655 |
| Return on assets (ROA) | 0.5068% | 4,921 |
| Pretax return on assets | 0.6300% | 4,892 |
| Return on Equity (ROE) | 4.9304% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.0873% | 4,059 |
| Net charge-offs to loans | 0.1426% | 4,269 |
| Credit loss provision to net charge-offs | 45.4545% | 4,797 |
| Earnings coverage of net charge-offs (x) | 12.5455% | 1,916 |
| Efficiency ratio | 80.5634% | 2,075 |
| Assets per employee ($millions) | 3.2270% | 5,566 |
| Cash dividends to net income (ytd only)* | 37.3832% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,506 |
| Loan loss allowance to noncurrent loans | 358.3333% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 5,777 |
| Noncurrent loans to loans | 0.3100% | 5,709 |
| Net loans and leases to total assets | 33.8926% | 6,552 |
| Net loans and leases to deposits | 37.6346% | 6,644 |
| Net loans and leases to core deposits | 46.6886% | 6,339 |
| Total domestic deposits to total assets | 90.0571% | 920 |
| Equity capital to assets | 9.7348% | 4,548 |
| Core capital (leverage) ratio | 10.1981% | 3,144 |
| Tier 1 risk-based capital ratio | 20.3470% | 1,596 |
| Total risk-based capital ratio | 21.1449% | 1,677 |
| Memoranda: | ||
| Average total assets | $21,112,200 | 6,943 |
| Average earning assets | $20,169,000 | 6,904 |
| Average equity | $2,170,200 | 6,931 |
| Average total loans | $7,715,200 | 6,926 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 6,639 |
| Cost of funding earning assets | 0.3162% | 6,532 |
| Net interest margin | 3.0741% | 5,998 |
| Noninterest income to average assets | 0.2893% | 5,469 |
| Noninterest expense to average assets | 2.7254% | 4,267 |
| Loan and lease loss provision to assets | 0.0322% | 5,375 |
| Net operating income to assets | 0.3664% | 5,385 |
| Return on assets (ROA) | 0.3664% | 5,584 |
| Pretax return on assets | 0.4692% | 5,545 |
| Return on Equity (ROE) | 3.5136% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.2806% | 5,195 |
| Net charge-offs to loans | 0.3632% | 2,649 |
| Credit loss provision to net charge-offs | 23.8095% | 4,899 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 3,540 |
| Efficiency ratio | 84.4622% | 1,535 |
| Assets per employee ($millions) | 2.9451% | 6,139 |
| Cash dividends to net income (ytd only)* | 35.0921% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 6,422 |
| Loan loss allowance to noncurrent loans | 292.3077% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 5,410 |
| Noncurrent loans to loans | 0.3018% | 5,887 |
| Net loans and leases to total assets | 41.4144% | 6,171 |
| Net loans and leases to deposits | 46.4400% | 6,355 |
| Net loans and leases to core deposits | 59.1151% | 5,647 |
| Total domestic deposits to total assets | 89.1783% | 1,323 |
| Equity capital to assets | 10.5404% | 3,793 |
| Core capital (leverage) ratio | 10.3005% | 3,166 |
| Tier 1 risk-based capital ratio | 19.4287% | 1,891 |
| Total risk-based capital ratio | 20.1114% | 2,020 |
| Memoranda: | ||
| Average total assets | $20,743,000 | 7,042 |
| Average earning assets | $19,821,000 | 6,997 |
| Average equity | $2,163,000 | 7,022 |
| Average total loans | $7,708,500 | 7,017 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4165% | 6,713 |
| Cost of funding earning assets | 0.3225% | 6,633 |
| Net interest margin | 3.0940% | 6,025 |
| Noninterest income to average assets | 0.5677% | 3,467 |
| Noninterest expense to average assets | 2.5980% | 4,787 |
| Loan and lease loss provision to assets | 0.0481% | 5,074 |
| Net operating income to assets | 0.7313% | 3,701 |
| Return on assets (ROA) | 0.7313% | 3,970 |
| Pretax return on assets | 0.8756% | 4,173 |
| Return on Equity (ROE) | 7.0381% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.1860% | 3,163 |
| Net charge-offs to loans | 0.4320% | 2,313 |
| Credit loss provision to net charge-offs | 31.2500% | 4,420 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,717 |
| Efficiency ratio | 73.7705% | 3,115 |
| Assets per employee ($millions) | 3.5857% | 4,775 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,211 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 4,802 |
| Noncurrent loans to loans | 0.6576% | 5,191 |
| Net loans and leases to total assets | 37.7940% | 6,495 |
| Net loans and leases to deposits | 42.1143% | 6,640 |
| Net loans and leases to core deposits | 52.8846% | 6,170 |
| Total domestic deposits to total assets | 89.7416% | 1,079 |
| Equity capital to assets | 10.1190% | 4,161 |
| Core capital (leverage) ratio | 10.7303% | 2,564 |
| Tier 1 risk-based capital ratio | 19.5205% | 1,846 |
| Total risk-based capital ratio | 20.2451% | 1,950 |
| Memoranda: | ||
| Average total assets | $20,785,330 | 7,100 |
| Average earning assets | $19,844,670 | 7,056 |
| Average equity | $2,159,670 | 7,072 |
| Average total loans | $7,406,670 | 7,090 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 6,785 |
| Cost of funding earning assets | 0.3481% | 6,646 |
| Net interest margin | 3.0718% | 6,125 |
| Noninterest income to average assets | 0.6464% | 2,946 |
| Noninterest expense to average assets | 2.6247% | 4,728 |
| Loan and lease loss provision to assets | 0.0392% | 4,897 |
| Net operating income to assets | 0.7835% | 3,455 |
| Return on assets (ROA) | 0.7835% | 3,699 |
| Pretax return on assets | 0.9206% | 3,967 |
| Return on Equity (ROE) | 7.4384% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.4384% | 2,205 |
| Net charge-offs to loans | 0.7995% | 1,287 |
| Credit loss provision to net charge-offs | 14.2857% | 3,850 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,817 |
| Efficiency ratio | 73.2240% | 3,218 |
| Assets per employee ($millions) | 3.9206% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,750 |
| Loan loss allowance to noncurrent loans | 800.0000% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,255 |
| Noncurrent loans to loans | 0.1426% | 6,403 |
| Net loans and leases to total assets | 35.3619% | 6,669 |
| Net loans and leases to deposits | 39.8048% | 6,747 |
| Net loans and leases to core deposits | 51.3938% | 6,250 |
| Total domestic deposits to total assets | 88.8384% | 1,797 |
| Equity capital to assets | 11.0901% | 2,808 |
| Core capital (leverage) ratio | 11.0218% | 2,243 |
| Tier 1 risk-based capital ratio | 22.5978% | 1,191 |
| Total risk-based capital ratio | 23.4324% | 1,229 |
| Memoranda: | ||
| Average total assets | $20,421,000 | 7,164 |
| Average earning assets | $19,532,500 | 7,124 |
| Average equity | $2,151,000 | 7,125 |
| Average total loans | $7,004,000 | 7,163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 6,843 |
| Cost of funding earning assets | 0.4681% | 6,660 |
| Net interest margin | 3.2358% | 5,988 |
| Noninterest income to average assets | 0.4841% | 3,966 |
| Noninterest expense to average assets | 2.8172% | 4,280 |
| Loan and lease loss provision to assets | 0.4260% | 2,459 |
| Net operating income to assets | 0.2209% | 5,524 |
| Return on assets (ROA) | 0.8035% | 3,188 |
| Pretax return on assets | 1.1763% | 2,545 |
| Return on Equity (ROE) | 7.8472% | 2,989 |
| Retained earnings to average equity (ytd only) | 6.9018% | 1,548 |
| Net charge-offs to loans | 1.8533% | 782 |
| Credit loss provision to net charge-offs | 73.3333% | 4,724 |
| Earnings coverage of net charge-offs (x) | 1.2833% | 4,817 |
| Efficiency ratio | 79.0761% | 2,432 |
| Assets per employee ($millions) | 3.5398% | 4,917 |
| Cash dividends to net income (ytd only)* | 12.0482% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,835 |
| Loan loss allowance to noncurrent loans | 657.1429% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 5,225 |
| Noncurrent loans to loans | 0.2001% | 6,349 |
| Net loans and leases to total assets | 32.5062% | 6,930 |
| Net loans and leases to deposits | 36.2054% | 6,992 |
| Net loans and leases to core deposits | 48.1652% | 6,631 |
| Total domestic deposits to total assets | 89.7829% | 1,110 |
| Equity capital to assets | 10.0193% | 4,146 |
| Core capital (leverage) ratio | 10.2246% | 3,059 |
| Tier 1 risk-based capital ratio | 21.3991% | 1,338 |
| Total risk-based capital ratio | 22.3251% | 1,374 |
| Memoranda: | ||
| Average total assets | $20,658,600 | 7,196 |
| Average earning assets | $19,655,400 | 7,148 |
| Average equity | $2,115,400 | 7,194 |
| Average total loans | $6,475,000 | 7,226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 6,872 |
| Cost of funding earning assets | 0.4921% | 6,729 |
| Net interest margin | 3.2804% | 5,917 |
| Noninterest income to average assets | 0.4160% | 4,539 |
| Noninterest expense to average assets | 2.7558% | 4,512 |
| Loan and lease loss provision to assets | 0.3250% | 2,934 |
| Net operating income to assets | 0.2907% | 5,429 |
| Return on assets (ROA) | 1.0269% | 2,392 |
| Pretax return on assets | 1.6054% | 1,373 |
| Return on Equity (ROE) | 9.9733% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.9733% | 852 |
| Net charge-offs to loans | 2.5218% | 430 |
| Credit loss provision to net charge-offs | 41.6667% | 5,207 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,878 |
| Efficiency ratio | 77.9412% | 2,555 |
| Assets per employee ($millions) | 3.4615% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 6,824 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 4,513 |
| Noncurrent loans to loans | 0.9322% | 5,016 |
| Net loans and leases to total assets | 32.2789% | 7,017 |
| Net loans and leases to deposits | 36.2280% | 7,073 |
| Net loans and leases to core deposits | 48.6679% | 6,730 |
| Total domestic deposits to total assets | 89.0991% | 1,372 |
| Equity capital to assets | 10.2846% | 3,977 |
| Core capital (leverage) ratio | 10.3600% | 3,019 |
| Tier 1 risk-based capital ratio | 22.0526% | 1,280 |
| Total risk-based capital ratio | 22.6096% | 1,365 |
| Memoranda: | ||
| Average total assets | $20,513,500 | 7,273 |
| Average earning assets | $19,509,500 | 7,223 |
| Average equity | $2,112,250 | 7,268 |
| Average total loans | $6,344,750 | 7,304 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7999% | 6,917 |
| Cost of funding earning assets | 0.5032% | 6,834 |
| Net interest margin | 3.2966% | 5,869 |
| Noninterest income to average assets | 0.4601% | 4,191 |
| Noninterest expense to average assets | 2.7805% | 4,504 |
| Loan and lease loss provision to assets | 0.4308% | 2,272 |
| Net operating income to assets | 0.3916% | 4,988 |
| Return on assets (ROA) | 0.4210% | 5,005 |
| Pretax return on assets | 0.4210% | 5,333 |
| Return on Equity (ROE) | 4.0868% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.0868% | 3,597 |
| Net charge-offs to loans | 3.8022% | 225 |
| Credit loss provision to net charge-offs | 37.2881% | 4,866 |
| Earnings coverage of net charge-offs (x) | 0.7119% | 4,759 |
| Efficiency ratio | 77.1739% | 2,830 |
| Assets per employee ($millions) | 3.3637% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 6,900 |
| Loan loss allowance to noncurrent loans | 217.3913% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 4,914 |
| Noncurrent loans to loans | 0.3608% | 6,186 |
| Net loans and leases to total assets | 31.3398% | 7,133 |
| Net loans and leases to deposits | 35.1447% | 7,186 |
| Net loans and leases to core deposits | 47.5993% | 6,872 |
| Total domestic deposits to total assets | 89.1735% | 1,433 |
| Equity capital to assets | 10.6729% | 3,311 |
| Core capital (leverage) ratio | 10.0293% | 3,228 |
| Tier 1 risk-based capital ratio | 21.0034% | 1,417 |
| Total risk-based capital ratio | 21.5228% | 1,530 |
| Memoranda: | ||
| Average total assets | $20,428,330 | 7,336 |
| Average earning assets | $19,474,330 | 7,296 |
| Average equity | $2,104,330 | 7,330 |
| Average total loans | $6,207,000 | 7,384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 7,047 |
| Cost of funding earning assets | 0.5112% | 6,937 |
| Net interest margin | 3.2106% | 6,034 |
| Noninterest income to average assets | 0.6812% | 2,674 |
| Noninterest expense to average assets | 2.7249% | 4,735 |
| Loan and lease loss provision to assets | 0.7980% | 1,060 |
| Net operating income to assets | 0.2141% | 5,740 |
| Return on assets (ROA) | 0.2141% | 5,803 |
| Pretax return on assets | 0.2141% | 5,906 |
| Return on Equity (ROE) | 2.1159% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.1159% | 4,870 |
| Net charge-offs to loans | 7.5127% | 63 |
| Credit loss provision to net charge-offs | 35.6522% | 4,027 |
| Earnings coverage of net charge-offs (x) | 0.4522% | 4,280 |
| Efficiency ratio | 72.9167% | 3,697 |
| Assets per employee ($millions) | 3.4090% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 6,797 |
| Loan loss allowance to noncurrent loans | 333.3333% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 4,969 |
| Noncurrent loans to loans | 0.2589% | 6,473 |
| Net loans and leases to total assets | 28.0776% | 7,294 |
| Net loans and leases to deposits | 31.2919% | 7,337 |
| Net loans and leases to core deposits | 40.6642% | 7,149 |
| Total domestic deposits to total assets | 89.7282% | 1,340 |
| Equity capital to assets | 10.1838% | 3,554 |
| Core capital (leverage) ratio | 10.3606% | 2,752 |
| Tier 1 risk-based capital ratio | 21.3010% | 1,346 |
| Total risk-based capital ratio | 21.8359% | 1,437 |
| Memoranda: | ||
| Average total assets | $20,551,500 | 7,391 |
| Average earning assets | $19,560,500 | 7,350 |
| Average equity | $2,079,500 | 7,383 |
| Average total loans | $6,123,000 | 7,443 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 6,991 |
| Cost of funding earning assets | 0.7037% | 6,879 |
| Net interest margin | 3.4446% | 5,458 |
| Noninterest income to average assets | -0.6517% | 7,586 |
| Noninterest expense to average assets | 2.8041% | 4,597 |
| Loan and lease loss provision to assets | 0.3308% | 4,172 |
| Net operating income to assets | -0.1811% | 6,093 |
| Return on assets (ROA) | -0.1432% | 6,101 |
| Pretax return on assets | -0.5134% | 6,329 |
| Return on Equity (ROE) | -1.4276% | 6,112 |
| Retained earnings to average equity (ytd only) | -1.4276% | 5,877 |
| Net charge-offs to loans | 0.5767% | 3,320 |
| Credit loss provision to net charge-offs | 191.4286% | 1,682 |
| Earnings coverage of net charge-offs (x) | -1.4000% | 6,664 |
| Efficiency ratio | 109.4412% | 546 |
| Assets per employee ($millions) | 3.4415% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 2,496 |
| Loan loss allowance to noncurrent loans | 56.3636% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 3.1140% | 2,268 |
| Noncurrent loans to loans | 3.4093% | 2,227 |
| Net loans and leases to total assets | 30.6504% | 7,332 |
| Net loans and leases to deposits | 34.1444% | 7,392 |
| Net loans and leases to core deposits | 44.1692% | 7,197 |
| Total domestic deposits to total assets | 89.7671% | 1,222 |
| Equity capital to assets | 10.0538% | 3,680 |
| Core capital (leverage) ratio | 10.1149% | 2,960 |
| Tier 1 risk-based capital ratio | 19.5732% | 1,582 |
| Total risk-based capital ratio | 20.7983% | 1,554 |
| Memoranda: | ||
| Average total assets | $20,255,800 | 7,461 |
| Average earning assets | $18,899,400 | 7,431 |
| Average equity | $2,031,400 | 7,499 |
| Average total loans | $6,068,600 | 7,532 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 7,065 |
| Cost of funding earning assets | 0.7475% | 6,925 |
| Net interest margin | 3.4742% | 5,399 |
| Noninterest income to average assets | -1.0186% | 7,728 |
| Noninterest expense to average assets | 2.8045% | 4,473 |
| Loan and lease loss provision to assets | 0.3704% | 3,675 |
| Net operating income to assets | -0.9657% | 6,885 |
| Return on assets (ROA) | -0.8930% | 6,882 |
| Pretax return on assets | -0.8930% | 6,802 |
| Return on Equity (ROE) | -8.9098% | 6,875 |
| Retained earnings to average equity (ytd only) | -8.9098% | 6,820 |
| Net charge-offs to loans | 0.5581% | 3,079 |
| Credit loss provision to net charge-offs | 224.0000% | 1,542 |
| Earnings coverage of net charge-offs (x) | -3.6004% | 6,572 |
| Efficiency ratio | 126.9461% | 324 |
| Assets per employee ($millions) | 3.1568% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,600 |
| Loan loss allowance to noncurrent loans | 75.4601% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 3.0938% | 2,341 |
| Noncurrent loans to loans | 2.4634% | 3,163 |
| Net loans and leases to total assets | 34.2854% | 7,335 |
| Net loans and leases to deposits | 38.6663% | 7,405 |
| Net loans and leases to core deposits | 54.0086% | 6,958 |
| Total domestic deposits to total assets | 88.6701% | 1,581 |
| Equity capital to assets | 10.6647% | 3,333 |
| Core capital (leverage) ratio | 9.9559% | 3,290 |
| Tier 1 risk-based capital ratio | 18.8607% | 1,785 |
| Total risk-based capital ratio | 20.0986% | 1,751 |
| Memoranda: | ||
| Average total assets | $20,157,500 | 7,560 |
| Average earning assets | $18,728,250 | 7,530 |
| Average equity | $2,020,250 | 7,595 |
| Average total loans | $5,972,500 | 7,631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 7,228 |
| Cost of funding earning assets | 0.7784% | 6,980 |
| Net interest margin | 3.3766% | 5,732 |
| Noninterest income to average assets | -1.2352% | 7,802 |
| Noninterest expense to average assets | 2.8109% | 4,441 |
| Loan and lease loss provision to assets | 0.3599% | 3,549 |
| Net operating income to assets | -1.2839% | 7,063 |
| Return on assets (ROA) | -1.2839% | 7,078 |
| Pretax return on assets | -1.2839% | 7,004 |
| Return on Equity (ROE) | -13.0672% | 7,079 |
| Retained earnings to average equity (ytd only) | -13.0672% | 7,038 |
| Net charge-offs to loans | 0.8337% | 2,172 |
| Credit loss provision to net charge-offs | 154.1667% | 2,549 |
| Earnings coverage of net charge-offs (x) | -3.9583% | 6,279 |
| Efficiency ratio | 148.9691% | 214 |
| Assets per employee ($millions) | 3.2347% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 3,021 |
| Loan loss allowance to noncurrent loans | 66.8790% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 3.2873% | 2,140 |
| Noncurrent loans to loans | 2.5637% | 3,084 |
| Net loans and leases to total assets | 31.0130% | 7,510 |
| Net loans and leases to deposits | 34.8161% | 7,556 |
| Net loans and leases to core deposits | 48.0022% | 7,284 |
| Total domestic deposits to total assets | 89.0767% | 1,393 |
| Equity capital to assets | 10.2535% | 3,700 |
| Core capital (leverage) ratio | 9.2331% | 4,244 |
| Tier 1 risk-based capital ratio | 19.0849% | 1,701 |
| Total risk-based capital ratio | 20.1525% | 1,712 |
| Memoranda: | ||
| Average total assets | $20,563,000 | 7,615 |
| Average earning assets | $19,013,330 | 7,583 |
| Average equity | $2,020,330 | 7,658 |
| Average total loans | $5,757,670 | 7,703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 7,410 |
| Cost of funding earning assets | 0.7990% | 7,092 |
| Net interest margin | 3.2575% | 6,108 |
| Noninterest income to average assets | -1.4191% | 7,912 |
| Noninterest expense to average assets | 2.7057% | 4,881 |
| Loan and lease loss provision to assets | 0.7001% | 1,820 |
| Net operating income to assets | -1.8164% | 7,417 |
| Return on assets (ROA) | -1.8164% | 7,418 |
| Pretax return on assets | -1.8164% | 7,357 |
| Return on Equity (ROE) | -18.8651% | 7,415 |
| Retained earnings to average equity (ytd only) | -18.8651% | 7,343 |
| Net charge-offs to loans | 1.6504% | 1,053 |
| Credit loss provision to net charge-offs | 160.8696% | 2,243 |
| Earnings coverage of net charge-offs (x) | -2.5652% | 5,494 |
| Efficiency ratio | 170.2381% | 146 |
| Assets per employee ($millions) | 3.5877% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,407 |
| Loan loss allowance to noncurrent loans | 69.7368% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 3.2751% | 2,188 |
| Noncurrent loans to loans | 2.7397% | 2,909 |
| Net loans and leases to total assets | 25.2811% | 7,715 |
| Net loans and leases to deposits | 28.0227% | 7,753 |
| Net loans and leases to core deposits | 38.4078% | 7,615 |
| Total domestic deposits to total assets | 90.2165% | 881 |
| Equity capital to assets | 9.2539% | 4,909 |
| Core capital (leverage) ratio | 9.4297% | 3,880 |
| Tier 1 risk-based capital ratio | 19.0500% | 1,709 |
| Total risk-based capital ratio | 20.1056% | 1,716 |
| Memoranda: | ||
| Average total assets | $21,140,500 | 7,695 |
| Average earning assets | $19,524,000 | 7,669 |
| Average equity | $2,035,500 | 7,745 |
| Average total loans | $5,574,500 | 7,809 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 7,412 |
| Cost of funding earning assets | 1.0522% | 7,094 |
| Net interest margin | 3.4102% | 5,328 |
| Noninterest income to average assets | 0.3968% | 5,225 |
| Noninterest expense to average assets | 2.9763% | 4,245 |
| Loan and lease loss provision to assets | 0.6250% | 3,306 |
| Net operating income to assets | 0.0514% | 5,333 |
| Return on assets (ROA) | 0.0546% | 5,380 |
| Pretax return on assets | -0.0645% | 5,547 |
| Return on Equity (ROE) | 0.5267% | 5,383 |
| Retained earnings to average equity (ytd only) | 0.5267% | 4,614 |
| Net charge-offs to loans | 2.7864% | 800 |
| Credit loss provision to net charge-offs | 78.2609% | 6,331 |
| Earnings coverage of net charge-offs (x) | 0.6957% | 5,402 |
| Efficiency ratio | 84.2697% | 2,318 |
| Assets per employee ($millions) | 3.4592% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,114 |
| Loan loss allowance to noncurrent loans | 53.8012% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 4.0761% | 1,619 |
| Noncurrent loans to loans | 3.0530% | 2,522 |
| Net loans and leases to total assets | 26.5430% | 7,779 |
| Net loans and leases to deposits | 29.5690% | 7,818 |
| Net loans and leases to core deposits | 43.6806% | 7,706 |
| Total domestic deposits to total assets | 89.7663% | 1,072 |
| Equity capital to assets | 10.0169% | 3,733 |
| Core capital (leverage) ratio | 9.9945% | 3,098 |
| Tier 1 risk-based capital ratio | 20.1222% | 1,440 |
| Total risk-based capital ratio | 21.0437% | 1,461 |
| Memoranda: | ||
| Average total assets | $20,159,200 | 7,768 |
| Average earning assets | $18,532,800 | 7,744 |
| Average equity | $2,088,600 | 7,827 |
| Average total loans | $5,778,000 | 7,869 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 7,587 |
| Cost of funding earning assets | 1.1165% | 7,143 |
| Net interest margin | 3.3060% | 5,618 |
| Noninterest income to average assets | 0.5130% | 4,381 |
| Noninterest expense to average assets | 3.0850% | 3,698 |
| Loan and lease loss provision to assets | 0.5130% | 3,336 |
| Net operating income to assets | -0.0466% | 5,794 |
| Return on assets (ROA) | -0.0400% | 5,838 |
| Pretax return on assets | -0.0400% | 5,769 |
| Return on Equity (ROE) | -0.3826% | 5,841 |
| Retained earnings to average equity (ytd only) | -0.3826% | 5,314 |
| Net charge-offs to loans | 2.7709% | 638 |
| Credit loss provision to net charge-offs | 63.6364% | 6,110 |
| Earnings coverage of net charge-offs (x) | 0.5785% | 5,452 |
| Efficiency ratio | 86.8668% | 1,976 |
| Assets per employee ($millions) | 3.4385% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 4,113 |
| Loan loss allowance to noncurrent loans | 32.0463% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 4.3721% | 1,412 |
| Noncurrent loans to loans | 4.2746% | 1,679 |
| Net loans and leases to total assets | 28.9661% | 7,827 |
| Net loans and leases to deposits | 32.3534% | 7,882 |
| Net loans and leases to core deposits | 47.9345% | 7,731 |
| Total domestic deposits to total assets | 89.5303% | 949 |
| Equity capital to assets | 10.1449% | 3,910 |
| Core capital (leverage) ratio | 9.4421% | 3,990 |
| Tier 1 risk-based capital ratio | 19.2315% | 1,697 |
| Total risk-based capital ratio | 20.0328% | 1,757 |
| Memoranda: | ||
| Average total assets | $20,010,250 | 7,848 |
| Average earning assets | $18,390,000 | 7,826 |
| Average equity | $2,091,000 | 7,905 |
| Average total loans | $5,822,250 | 7,945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 7,729 |
| Cost of funding earning assets | 1.2081% | 7,081 |
| Net interest margin | 3.1698% | 6,019 |
| Noninterest income to average assets | 0.7776% | 2,532 |
| Noninterest expense to average assets | 3.0096% | 4,047 |
| Loan and lease loss provision to assets | 0.3737% | 3,690 |
| Net operating income to assets | 0.2828% | 4,975 |
| Return on assets (ROA) | 0.2626% | 5,135 |
| Pretax return on assets | 0.2626% | 5,292 |
| Return on Equity (ROE) | 2.4876% | 5,110 |
| Retained earnings to average equity (ytd only) | 2.4876% | 3,954 |
| Net charge-offs to loans | 1.2885% | 1,438 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.7568% | 4,240 |
| Efficiency ratio | 82.0937% | 2,712 |
| Assets per employee ($millions) | 3.1516% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 1,425 |
| Loan loss allowance to noncurrent loans | 16.7105% | 7,300 |
| Noncurrent assets plus other real estate owned to assets | 4.5102% | 1,239 |
| Noncurrent loans to loans | 12.4590% | 201 |
| Net loans and leases to total assets | 27.0749% | 7,946 |
| Net loans and leases to deposits | 29.9729% | 7,995 |
| Net loans and leases to core deposits | 40.7213% | 7,924 |
| Total domestic deposits to total assets | 90.3314% | 692 |
| Equity capital to assets | 9.3876% | 4,765 |
| Core capital (leverage) ratio | 10.0104% | 3,289 |
| Tier 1 risk-based capital ratio | 19.4670% | 1,684 |
| Total risk-based capital ratio | 20.6933% | 1,648 |
| Memoranda: | ||
| Average total assets | $19,803,330 | 7,934 |
| Average earning assets | $18,045,330 | 7,918 |
| Average equity | $2,090,330 | 7,984 |
| Average total loans | $5,743,330 | 8,034 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 7,572 |
| Cost of funding earning assets | 1.4701% | 6,501 |
| Net interest margin | 3.1813% | 5,921 |
| Noninterest income to average assets | 1.2209% | 967 |
| Noninterest expense to average assets | 3.0202% | 3,676 |
| Loan and lease loss provision to assets | 0.6640% | 1,904 |
| Net operating income to assets | 0.3641% | 5,000 |
| Return on assets (ROA) | 0.3641% | 5,185 |
| Pretax return on assets | 0.3641% | 5,503 |
| Return on Equity (ROE) | 3.2381% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.2381% | 4,073 |
| Net charge-offs to loans | 2.2282% | 650 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 1.5484% | 3,950 |
| Efficiency ratio | 74.6032% | 3,715 |
| Assets per employee ($millions) | 2.5933% | 7,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2395% | 1,032 |
| Loan loss allowance to noncurrent loans | 14.7161% | 7,407 |
| Noncurrent assets plus other real estate owned to assets | 5.5693% | 755 |
| Noncurrent loans to loans | 15.2178% | 99 |
| Net loans and leases to total assets | 30.5404% | 7,906 |
| Net loans and leases to deposits | 34.6240% | 7,974 |
| Net loans and leases to core deposits | 51.4859% | 7,742 |
| Total domestic deposits to total assets | 88.2058% | 1,643 |
| Equity capital to assets | 11.5298% | 2,572 |
| Core capital (leverage) ratio | 10.7423% | 2,703 |
| Tier 1 risk-based capital ratio | 22.0835% | 1,294 |
| Total risk-based capital ratio | 23.3322% | 1,261 |
| Memoranda: | ||
| Average total assets | $18,674,500 | 8,017 |
| Average earning assets | $16,597,000 | 8,014 |
| Average equity | $2,100,000 | 8,035 |
| Average total loans | $5,565,000 | 8,096 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 7,790 |
| Cost of funding earning assets | 1.8418% | 6,894 |
| Net interest margin | 3.2319% | 6,267 |
| Noninterest income to average assets | 0.4692% | 4,883 |
| Noninterest expense to average assets | 2.8897% | 4,485 |
| Loan and lease loss provision to assets | 1.4502% | 940 |
| Net operating income to assets | -0.7411% | 7,093 |
| Return on assets (ROA) | -0.7411% | 6,999 |
| Pretax return on assets | -0.9330% | 6,960 |
| Return on Equity (ROE) | -6.2596% | 6,982 |
| Retained earnings to average equity (ytd only) | -8.0609% | 6,894 |
| Net charge-offs to loans | 5.3289% | 86 |
| Credit loss provision to net charge-offs | 95.4386% | 5,534 |
| Earnings coverage of net charge-offs (x) | 0.3404% | 6,028 |
| Efficiency ratio | 84.8200% | 1,978 |
| Assets per employee ($millions) | 2.7423% | 6,693 |
| Cash dividends to net income (ytd only)* | -28.7770% | 7,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3264% | 825 |
| Loan loss allowance to noncurrent loans | 19.5988% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 4.1467% | 966 |
| Noncurrent loans to loans | 11.8703% | 135 |
| Net loans and leases to total assets | 27.7766% | 8,039 |
| Net loans and leases to deposits | 31.3371% | 8,102 |
| Net loans and leases to core deposits | 45.0833% | 7,982 |
| Total domestic deposits to total assets | 88.6383% | 1,189 |
| Equity capital to assets | 10.9762% | 3,059 |
| Core capital (leverage) ratio | 10.3511% | 3,117 |
| Tier 1 risk-based capital ratio | 21.7330% | 1,350 |
| Total risk-based capital ratio | 22.9833% | 1,309 |
| Memoranda: | ||
| Average total assets | $18,756,400 | 8,055 |
| Average earning assets | $17,048,600 | 8,038 |
| Average equity | $2,220,600 | 8,069 |
| Average total loans | $5,348,200 | 8,147 |