Home > Bank of Greeley > Performance and Condition Ratios
Bank of Greeley, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 3,041 |
| Cost of funding earning assets | 1.7077% | 2,710 |
| Net interest margin | 3.3363% | 2,695 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 1.9038% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4586% | 1,164 |
| Return on assets (ROA) | 1.4505% | 1,174 |
| Pretax return on assets | 1.4835% | 1,549 |
| Return on Equity (ROE) | 12.1600% | 1,705 |
| Retained earnings to average equity (ytd only) | 12.1620% | 768 |
| Net charge-offs to loans | -0.0175% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.0680% | 3,402 |
| Assets per employee ($millions) | 7.0587% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,319 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,441 |
| Noncurrent loans to loans | 0.0788% | 3,275 |
| Net loans and leases to total assets | 45.5600% | 3,780 |
| Net loans and leases to deposits | 53.1632% | 3,751 |
| Net loans and leases to core deposits | 56.3459% | 3,816 |
| Total domestic deposits to total assets | 85.7000% | 2,408 |
| Equity capital to assets | 12.0014% | 1,229 |
| Core capital (leverage) ratio | 12.6241% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $48,534,000 | 4,232 |
| Average earning assets | $45,440,000 | 4,200 |
| Average equity | $5,788,500 | 4,181 |
| Average total loans | $22,819,500 | 4,177 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 3,287 |
| Cost of funding earning assets | 1.4742% | 3,399 |
| Net interest margin | 3.4094% | 2,267 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 1.9525% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.4579% | 974 |
| Return on assets (ROA) | 1.4746% | 947 |
| Pretax return on assets | 1.5196% | 1,238 |
| Return on Equity (ROE) | 12.4300% | 1,507 |
| Retained earnings to average equity (ytd only) | 4.1000% | 2,591 |
| Net charge-offs to loans | 0.0045% | 2,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 701.0000% | 190 |
| Efficiency ratio | 56.5136% | 3,506 |
| Assets per employee ($millions) | 6.8081% | 2,292 |
| Cash dividends to net income (ytd only)* | 67.0058% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,332 |
| Loan loss allowance to noncurrent loans | 10,566.6667% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,725 |
| Noncurrent loans to loans | 0.0132% | 3,659 |
| Net loans and leases to total assets | 47.1900% | 3,761 |
| Net loans and leases to deposits | 55.0400% | 3,751 |
| Net loans and leases to core deposits | 58.4349% | 3,799 |
| Total domestic deposits to total assets | 85.7400% | 2,304 |
| Equity capital to assets | 11.8493% | 1,237 |
| Core capital (leverage) ratio | 12.3971% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $46,657,600 | 4,255 |
| Average earning assets | $43,819,800 | 4,224 |
| Average equity | $5,536,600 | 4,202 |
| Average total loans | $22,039,400 | 4,194 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 3,364 |
| Cost of funding earning assets | 1.4043% | 3,507 |
| Net interest margin | 3.4065% | 2,217 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.9422% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.4600% | 991 |
| Return on assets (ROA) | 1.4767% | 966 |
| Pretax return on assets | 1.5198% | 1,278 |
| Return on Equity (ROE) | 12.4400% | 1,501 |
| Retained earnings to average equity (ytd only) | 10.6732% | 709 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 56.3803% | 3,520 |
| Assets per employee ($millions) | 6.6209% | 2,422 |
| Cash dividends to net income (ytd only)* | 14.2023% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,142 |
| 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 | 46.1000% | 3,820 |
| Net loans and leases to deposits | 54.3832% | 3,806 |
| Net loans and leases to core deposits | 57.4591% | 3,863 |
| Total domestic deposits to total assets | 84.7700% | 2,373 |
| Equity capital to assets | 12.8015% | 1,022 |
| Core capital (leverage) ratio | 13.1642% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $46,407,750 | 4,280 |
| Average earning assets | $43,484,000 | 4,254 |
| Average equity | $5,509,000 | 4,226 |
| Average total loans | $21,847,250 | 4,220 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 3,414 |
| Cost of funding earning assets | 1.2996% | 3,624 |
| Net interest margin | 3.4287% | 2,108 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 1.9428% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.4739% | 966 |
| Return on assets (ROA) | 1.4948% | 920 |
| Pretax return on assets | 1.5379% | 1,213 |
| Return on Equity (ROE) | 12.9300% | 1,379 |
| Retained earnings to average equity (ytd only) | 10.2093% | 830 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.1644% | 3,559 |
| Assets per employee ($millions) | 6.6187% | 2,320 |
| Cash dividends to net income (ytd only)* | 21.0375% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 1,128 |
| 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 | 45.7000% | 3,841 |
| Net loans and leases to deposits | 53.3473% | 3,833 |
| Net loans and leases to core deposits | 56.3052% | 3,892 |
| Total domestic deposits to total assets | 85.6600% | 2,093 |
| Equity capital to assets | 11.9510% | 1,179 |
| Core capital (leverage) ratio | 12.7958% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $46,428,333 | 4,301 |
| Average earning assets | $43,398,667 | 4,275 |
| Average equity | $5,367,667 | 4,244 |
| Average total loans | $21,902,000 | 4,237 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 3,422 |
| Cost of funding earning assets | 1.1550% | 3,798 |
| Net interest margin | 3.5022% | 1,899 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 1.9450% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5147% | 873 |
| Return on assets (ROA) | 1.5147% | 888 |
| Pretax return on assets | 1.5578% | 1,161 |
| Return on Equity (ROE) | 13.3300% | 1,269 |
| Retained earnings to average equity (ytd only) | 13.3258% | 564 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.5283% | 3,640 |
| Assets per employee ($millions) | 6.5539% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,156 |
| 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 | 46.3900% | 3,787 |
| Net loans and leases to deposits | 53.9737% | 3,775 |
| Net loans and leases to core deposits | 56.9624% | 3,871 |
| Total domestic deposits to total assets | 85.9600% | 2,114 |
| Equity capital to assets | 11.7139% | 1,221 |
| Core capital (leverage) ratio | 12.6960% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $46,477,000 | 4,325 |
| Average earning assets | $42,944,000 | 4,301 |
| Average equity | $5,283,000 | 4,274 |
| Average total loans | $22,107,500 | 4,260 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 3,588 |
| Cost of funding earning assets | 0.8744% | 3,573 |
| Net interest margin | 3.3460% | 2,523 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0053% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3312% | 1,364 |
| Return on assets (ROA) | 1.3376% | 1,325 |
| Pretax return on assets | 1.3769% | 1,687 |
| Return on Equity (ROE) | 12.3600% | 1,874 |
| Retained earnings to average equity (ytd only) | 4.3143% | 2,859 |
| Net charge-offs to loans | 0.0225% | 1,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 125.6000% | 800 |
| Efficiency ratio | 59.4053% | 3,149 |
| Assets per employee ($millions) | 6.7253% | 2,254 |
| Cash dividends to net income (ytd only)* | 65.0897% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,374 |
| 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 | 47.3600% | 3,763 |
| Net loans and leases to deposits | 54.6058% | 3,760 |
| Net loans and leases to core deposits | 57.5132% | 3,858 |
| Total domestic deposits to total assets | 86.7300% | 1,778 |
| Equity capital to assets | 11.0287% | 1,467 |
| Core capital (leverage) ratio | 12.4615% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,829,000 | 4,349 |
| Average earning assets | $42,886,600 | 4,316 |
| Average equity | $4,960,200 | 4,265 |
| Average total loans | $22,236,600 | 4,264 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 3,622 |
| Cost of funding earning assets | 0.7933% | 3,534 |
| Net interest margin | 3.3283% | 2,624 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.0212% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3359% | 1,458 |
| Return on assets (ROA) | 1.3416% | 1,424 |
| Pretax return on assets | 1.3797% | 1,823 |
| Return on Equity (ROE) | 12.4600% | 2,014 |
| Retained earnings to average equity (ytd only) | 10.4711% | 1,270 |
| Net charge-offs to loans | 0.0301% | 1,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 93.8000% | 952 |
| Efficiency ratio | 59.5341% | 3,022 |
| Assets per employee ($millions) | 6.4450% | 2,363 |
| Cash dividends to net income (ytd only)* | 15.9389% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,461 |
| 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 | 49.7600% | 3,631 |
| Net loans and leases to deposits | 57.6465% | 3,622 |
| Net loans and leases to core deposits | 60.8395% | 3,664 |
| Total domestic deposits to total assets | 86.3300% | 2,093 |
| Equity capital to assets | 11.3399% | 1,229 |
| Core capital (leverage) ratio | 12.8827% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $45,517,000 | 4,366 |
| Average earning assets | $43,024,000 | 4,331 |
| Average equity | $4,902,250 | 4,278 |
| Average total loans | $22,142,500 | 4,286 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,594 |
| Cost of funding earning assets | 0.6914% | 3,511 |
| Net interest margin | 3.3555% | 2,625 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.9890% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4021% | 1,324 |
| Return on assets (ROA) | 1.4063% | 1,295 |
| Pretax return on assets | 1.4545% | 1,687 |
| Return on Equity (ROE) | 13.2900% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.2670% | 1,338 |
| Net charge-offs to loans | 0.0456% | 1,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 66.2000% | 1,141 |
| Efficiency ratio | 57.8344% | 3,207 |
| Assets per employee ($millions) | 6.4949% | 2,293 |
| Cash dividends to net income (ytd only)* | 22.7414% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,549 |
| 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 | 49.4000% | 3,595 |
| Net loans and leases to deposits | 56.8896% | 3,594 |
| Net loans and leases to core deposits | 59.5788% | 3,655 |
| Total domestic deposits to total assets | 86.8400% | 1,975 |
| Equity capital to assets | 10.9009% | 1,428 |
| Core capital (leverage) ratio | 12.2542% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,651,000 | 4,386 |
| Average earning assets | $43,391,333 | 4,351 |
| Average equity | $4,831,000 | 4,302 |
| Average total loans | $21,933,667 | 4,302 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 3,629 |
| Cost of funding earning assets | 0.5970% | 3,393 |
| Net interest margin | 3.3250% | 2,813 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.9412% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4603% | 1,262 |
| Return on assets (ROA) | 1.4603% | 1,234 |
| Pretax return on assets | 1.5040% | 1,663 |
| Return on Equity (ROE) | 14.0100% | 1,767 |
| Retained earnings to average equity (ytd only) | 14.0086% | 935 |
| Net charge-offs to loans | 0.0930% | 619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 1,251 |
| Efficiency ratio | 56.3452% | 3,372 |
| Assets per employee ($millions) | 7.8472% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,364 |
| 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 | 45.2200% | 3,815 |
| Net loans and leases to deposits | 51.7362% | 3,806 |
| Net loans and leases to core deposits | 54.0738% | 3,828 |
| Total domestic deposits to total assets | 87.4100% | 2,129 |
| Equity capital to assets | 10.4730% | 1,576 |
| Core capital (leverage) ratio | 11.7537% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,744,500 | 4,451 |
| Average earning assets | $43,549,000 | 4,423 |
| Average equity | $4,768,500 | 4,368 |
| Average total loans | $21,511,500 | 4,370 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 3,416 |
| Cost of funding earning assets | 0.3465% | 2,506 |
| Net interest margin | 3.0248% | 3,382 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.8859% | 3,861 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.2396% | 1,627 |
| Return on assets (ROA) | 1.2479% | 1,559 |
| Pretax return on assets | 1.3000% | 2,087 |
| Return on Equity (ROE) | 11.8300% | 2,201 |
| Retained earnings to average equity (ytd only) | 4.2788% | 3,309 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.5997% | 2,973 |
| Assets per employee ($millions) | 5.5508% | 3,165 |
| Cash dividends to net income (ytd only)* | 63.8261% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 1,172 |
| Loan loss allowance to noncurrent loans | 8,075.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,808 |
| Noncurrent loans to loans | 0.0187% | 3,689 |
| Net loans and leases to total assets | 47.5000% | 3,705 |
| Net loans and leases to deposits | 54.3372% | 3,664 |
| Net loans and leases to core deposits | 56.9458% | 3,678 |
| Total domestic deposits to total assets | 87.4100% | 2,264 |
| Equity capital to assets | 10.3725% | 1,523 |
| Core capital (leverage) ratio | 11.8797% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,077,600 | 4,475 |
| Average earning assets | $43,870,000 | 4,438 |
| Average equity | $4,861,200 | 4,444 |
| Average total loans | $20,891,600 | 4,403 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2764% | 3,244 |
| Cost of funding earning assets | 0.3219% | 1,946 |
| Net interest margin | 2.9544% | 3,347 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.8467% | 3,884 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.2479% | 1,528 |
| Return on assets (ROA) | 1.2589% | 1,465 |
| Pretax return on assets | 1.3105% | 2,013 |
| Return on Equity (ROE) | 11.8800% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.9084% | 1,369 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3561% | 3,072 |
| Assets per employee ($millions) | 5.6676% | 3,060 |
| Cash dividends to net income (ytd only)* | 16.6287% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 1,148 |
| Loan loss allowance to noncurrent loans | 8,075.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,912 |
| Noncurrent loans to loans | 0.0193% | 3,782 |
| Net loans and leases to total assets | 44.9500% | 3,823 |
| Net loans and leases to deposits | 51.3763% | 3,773 |
| Net loans and leases to core deposits | 53.7812% | 3,762 |
| Total domestic deposits to total assets | 87.5000% | 2,592 |
| Equity capital to assets | 10.3284% | 1,450 |
| Core capital (leverage) ratio | 12.0996% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $46,495,500 | 4,506 |
| Average earning assets | $44,316,500 | 4,469 |
| Average equity | $4,925,000 | 4,479 |
| Average total loans | $20,761,000 | 4,440 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 2,917 |
| Cost of funding earning assets | 0.3089% | 1,642 |
| Net interest margin | 2.9327% | 3,080 |
| Noninterest income to average assets | 0.2346% | 3,776 |
| Noninterest expense to average assets | 1.7918% | 3,974 |
| Loan and lease loss provision to assets | -0.1280% | 4,627 |
| Net operating income to assets | 1.3099% | 1,111 |
| Return on assets (ROA) | 1.3140% | 1,079 |
| Pretax return on assets | 1.3694% | 1,518 |
| Return on Equity (ROE) | 12.3061% | 1,580 |
| Retained earnings to average equity (ytd only) | 9.3894% | 1,178 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1549% | 3,419 |
| Assets per employee ($millions) | 5.9394% | 2,797 |
| Cash dividends to net income (ytd only)* | 23.7013% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.7591% | 3,914 |
| Net loans and leases to deposits | 48.7160% | 3,884 |
| Net loans and leases to core deposits | 50.8790% | 3,885 |
| Total domestic deposits to total assets | 87.7723% | 2,669 |
| Equity capital to assets | 10.1884% | 1,592 |
| Core capital (leverage) ratio | 11.5384% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,880,333 | 4,550 |
| Average earning assets | $44,669,000 | 4,524 |
| Average equity | $5,005,667 | 4,519 |
| Average total loans | $20,779,667 | 4,491 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2799% | 2,447 |
| Cost of funding earning assets | 0.3253% | 1,411 |
| Net interest margin | 2.9546% | 2,657 |
| Noninterest income to average assets | 0.2577% | 3,593 |
| Noninterest expense to average assets | 1.7611% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2542% | 1,108 |
| Return on assets (ROA) | 1.2542% | 1,095 |
| Pretax return on assets | 1.3058% | 1,492 |
| Return on Equity (ROE) | 11.4780% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.4780% | 687 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4230% | 3,744 |
| Assets per employee ($millions) | 7.9828% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 935 |
| Loan loss allowance to noncurrent loans | 215.2439% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 1,739 |
| Noncurrent loans to loans | 0.8203% | 1,156 |
| Net loans and leases to total assets | 41.0047% | 3,949 |
| Net loans and leases to deposits | 46.7987% | 3,938 |
| Net loans and leases to core deposits | 48.8594% | 3,938 |
| Total domestic deposits to total assets | 87.6193% | 2,699 |
| Equity capital to assets | 10.3389% | 1,667 |
| Core capital (leverage) ratio | 11.7433% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,563,000 | 4,579 |
| Average earning assets | $44,269,500 | 4,558 |
| Average equity | $5,088,000 | 4,558 |
| Average total loans | $20,849,500 | 4,504 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 2,441 |
| Cost of funding earning assets | 0.4153% | 1,434 |
| Net interest margin | 3.1654% | 2,693 |
| Noninterest income to average assets | 0.2605% | 3,814 |
| Noninterest expense to average assets | 1.7704% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4527% | 1,130 |
| Return on assets (ROA) | 1.4638% | 1,159 |
| Pretax return on assets | 1.5237% | 1,641 |
| Return on Equity (ROE) | 11.9807% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.8866% | 3,265 |
| Net charge-offs to loans | -0.0089% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9326% | 3,934 |
| Assets per employee ($millions) | 7.5382% | 1,598 |
| Cash dividends to net income (ytd only)* | 67.5591% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.2109% | 3,579 |
| Net loans and leases to deposits | 54.7330% | 3,538 |
| Net loans and leases to core deposits | 57.3343% | 3,528 |
| Total domestic deposits to total assets | 86.2566% | 2,819 |
| Equity capital to assets | 11.5501% | 1,482 |
| Core capital (leverage) ratio | 11.8815% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,381,000 | 4,630 |
| Average earning assets | $41,416,600 | 4,605 |
| Average equity | $5,300,200 | 4,602 |
| Average total loans | $22,549,800 | 4,525 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 2,462 |
| Cost of funding earning assets | 0.4231% | 1,533 |
| Net interest margin | 3.2123% | 2,694 |
| Noninterest income to average assets | 0.2703% | 3,797 |
| Noninterest expense to average assets | 1.7552% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5196% | 1,224 |
| Return on assets (ROA) | 1.5315% | 1,237 |
| Pretax return on assets | 1.5937% | 1,719 |
| Return on Equity (ROE) | 12.3573% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.5275% | 1,167 |
| Net charge-offs to loans | -0.0059% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6071% | 3,972 |
| Assets per employee ($millions) | 7.3748% | 1,639 |
| Cash dividends to net income (ytd only)* | 14.8073% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.8859% | 3,427 |
| Net loans and leases to deposits | 58.5083% | 3,366 |
| Net loans and leases to core deposits | 61.3815% | 3,376 |
| Total domestic deposits to total assets | 85.2629% | 3,029 |
| Equity capital to assets | 12.4771% | 1,183 |
| Core capital (leverage) ratio | 12.4949% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,919,000 | 4,699 |
| Average earning assets | $40,966,500 | 4,672 |
| Average equity | $5,319,250 | 4,665 |
| Average total loans | $22,760,750 | 4,578 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 2,664 |
| Cost of funding earning assets | 0.4295% | 1,662 |
| Net interest margin | 3.1593% | 2,873 |
| Noninterest income to average assets | 0.2731% | 3,770 |
| Noninterest expense to average assets | 1.6998% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5307% | 1,214 |
| Return on assets (ROA) | 1.5397% | 1,256 |
| Pretax return on assets | 1.5962% | 1,741 |
| Return on Equity (ROE) | 12.4524% | 1,893 |
| Retained earnings to average equity (ytd only) | 9.6725% | 1,504 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7192% | 4,074 |
| Assets per employee ($millions) | 7.3233% | 1,584 |
| Cash dividends to net income (ytd only)* | 22.3242% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 52.5376% | 3,293 |
| Net loans and leases to deposits | 61.4028% | 3,263 |
| Net loans and leases to core deposits | 64.4292% | 3,253 |
| Total domestic deposits to total assets | 85.5621% | 2,886 |
| Equity capital to assets | 12.1939% | 1,275 |
| Core capital (leverage) ratio | 12.2897% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,475,667 | 4,735 |
| Average earning assets | $40,514,667 | 4,709 |
| Average equity | $5,252,000 | 4,699 |
| Average total loans | $22,872,333 | 4,613 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 2,932 |
| Cost of funding earning assets | 0.4396% | 1,804 |
| Net interest margin | 3.0576% | 3,112 |
| Noninterest income to average assets | 0.2779% | 3,739 |
| Noninterest expense to average assets | 1.8398% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3511% | 1,680 |
| Return on assets (ROA) | 1.3511% | 1,769 |
| Pretax return on assets | 1.3703% | 2,370 |
| Return on Equity (ROE) | 10.8482% | 2,407 |
| Retained earnings to average equity (ytd only) | 10.8482% | 1,436 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3134% | 3,390 |
| Assets per employee ($millions) | 7.1638% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 1,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.8372% | 3,367 |
| Net loans and leases to deposits | 61.8037% | 3,335 |
| Net loans and leases to core deposits | 63.7734% | 3,438 |
| Total domestic deposits to total assets | 85.4919% | 2,928 |
| Equity capital to assets | 12.2258% | 1,186 |
| Core capital (leverage) ratio | 12.4453% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,743,500 | 4,765 |
| Average earning assets | $40,032,000 | 4,735 |
| Average equity | $5,199,000 | 4,729 |
| Average total loans | $22,590,500 | 4,644 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 3,422 |
| Cost of funding earning assets | 0.5830% | 2,424 |
| Net interest margin | 3.1743% | 3,420 |
| Noninterest income to average assets | 0.2899% | 3,749 |
| Noninterest expense to average assets | 2.1466% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1194% | 1,841 |
| Return on assets (ROA) | 1.1267% | 1,935 |
| Pretax return on assets | 1.1700% | 2,441 |
| Return on Equity (ROE) | 8.5963% | 2,557 |
| Retained earnings to average equity (ytd only) | 2.6196% | 3,541 |
| Net charge-offs to loans | -0.1227% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8732% | 2,696 |
| Assets per employee ($millions) | 6.7507% | 1,741 |
| Cash dividends to net income (ytd only)* | 69.5260% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.7428% | 3,514 |
| Net loans and leases to deposits | 63.3380% | 3,490 |
| Net loans and leases to core deposits | 65.6790% | 3,567 |
| Total domestic deposits to total assets | 84.8509% | 2,822 |
| Equity capital to assets | 12.6975% | 1,233 |
| Core capital (leverage) ratio | 12.6347% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,317,600 | 4,780 |
| Average earning assets | $37,394,200 | 4,747 |
| Average equity | $5,153,400 | 4,730 |
| Average total loans | $22,010,600 | 4,679 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 3,396 |
| Cost of funding earning assets | 0.6079% | 2,565 |
| Net interest margin | 3.2482% | 3,338 |
| Noninterest income to average assets | 0.3075% | 3,650 |
| Noninterest expense to average assets | 2.1424% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2064% | 1,619 |
| Return on assets (ROA) | 1.2130% | 1,726 |
| Pretax return on assets | 1.2574% | 2,198 |
| Return on Equity (ROE) | 9.1800% | 2,321 |
| Retained earnings to average equity (ytd only) | 7.2923% | 1,592 |
| Net charge-offs to loans | -0.1577% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1420% | 2,890 |
| Assets per employee ($millions) | 6.4888% | 1,846 |
| Cash dividends to net income (ytd only)* | 20.5634% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 56.1580% | 3,607 |
| Net loans and leases to deposits | 66.9894% | 3,546 |
| Net loans and leases to core deposits | 69.6018% | 3,649 |
| Total domestic deposits to total assets | 83.8312% | 2,877 |
| Equity capital to assets | 13.5977% | 973 |
| Core capital (leverage) ratio | 13.3124% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,021,000 | 4,809 |
| Average earning assets | $37,066,250 | 4,778 |
| Average equity | $5,156,000 | 4,754 |
| Average total loans | $21,983,500 | 4,711 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 3,751 |
| Cost of funding earning assets | 0.6294% | 2,816 |
| Net interest margin | 3.2170% | 3,618 |
| Noninterest income to average assets | 0.3073% | 3,618 |
| Noninterest expense to average assets | 2.1101% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2191% | 1,590 |
| Return on assets (ROA) | 1.2241% | 1,693 |
| Pretax return on assets | 1.2650% | 2,141 |
| Return on Equity (ROE) | 9.3542% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.4971% | 1,865 |
| Net charge-offs to loans | -0.0091% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6140% | 3,025 |
| Assets per employee ($millions) | 6.6777% | 1,658 |
| Cash dividends to net income (ytd only)* | 30.5439% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 1,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.6432% | 3,718 |
| Net loans and leases to deposits | 65.8164% | 3,742 |
| Net loans and leases to core deposits | 68.2860% | 3,845 |
| Total domestic deposits to total assets | 84.5430% | 2,546 |
| Equity capital to assets | 12.9536% | 1,185 |
| Core capital (leverage) ratio | 13.1805% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,050,333 | 4,833 |
| Average earning assets | $37,177,333 | 4,800 |
| Average equity | $5,110,000 | 4,788 |
| Average total loans | $21,906,667 | 4,734 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 4,069 |
| Cost of funding earning assets | 0.6508% | 3,165 |
| Net interest margin | 3.2324% | 3,778 |
| Noninterest income to average assets | 0.3632% | 3,339 |
| Noninterest expense to average assets | 2.1171% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2973% | 1,249 |
| Return on assets (ROA) | 1.2973% | 1,348 |
| Pretax return on assets | 1.3388% | 1,755 |
| Return on Equity (ROE) | 9.8619% | 1,793 |
| Retained earnings to average equity (ytd only) | 9.8619% | 770 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2613% | 3,580 |
| Assets per employee ($millions) | 6.4017% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 55.5298% | 3,869 |
| Net loans and leases to deposits | 66.0750% | 3,859 |
| Net loans and leases to core deposits | 68.6814% | 3,953 |
| Total domestic deposits to total assets | 84.0406% | 2,777 |
| Equity capital to assets | 13.3689% | 1,276 |
| Core capital (leverage) ratio | 13.2729% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,542,500 | 4,873 |
| Average earning assets | $36,877,000 | 4,835 |
| Average equity | $5,070,000 | 4,829 |
| Average total loans | $21,550,500 | 4,774 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 4,308 |
| Cost of funding earning assets | 0.6531% | 3,397 |
| Net interest margin | 3.3231% | 3,936 |
| Noninterest income to average assets | 0.3540% | 3,583 |
| Noninterest expense to average assets | 2.1788% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2654% | 1,823 |
| Return on assets (ROA) | 1.2729% | 1,871 |
| Pretax return on assets | 1.3224% | 2,431 |
| Return on Equity (ROE) | 9.7914% | 2,396 |
| Retained earnings to average equity (ytd only) | 3.0836% | 3,482 |
| Net charge-offs to loans | 0.0096% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 327 |
| Efficiency ratio | 62.3696% | 3,311 |
| Assets per employee ($millions) | 6.4458% | 1,314 |
| Cash dividends to net income (ytd only)* | 68.5072% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 1,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 54.6193% | 4,038 |
| Net loans and leases to deposits | 64.6646% | 4,027 |
| Net loans and leases to core deposits | 67.1840% | 4,127 |
| Total domestic deposits to total assets | 84.4654% | 2,697 |
| Equity capital to assets | 12.9412% | 1,560 |
| Core capital (leverage) ratio | 12.9756% | 1,245 |
| Tier 1 risk-based capital ratio | 24.0718% | 823 |
| Total risk-based capital ratio | 25.3223% | 803 |
| Memoranda: | ||
| Average total assets | $38,415,400 | 4,920 |
| Average earning assets | $36,291,200 | 4,886 |
| Average equity | $4,994,200 | 4,882 |
| Average total loans | $20,786,800 | 4,845 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 4,405 |
| Cost of funding earning assets | 0.6485% | 3,456 |
| Net interest margin | 3.3309% | 4,039 |
| Noninterest income to average assets | 0.3581% | 3,585 |
| Noninterest expense to average assets | 2.1068% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3420% | 1,670 |
| Return on assets (ROA) | 1.3420% | 1,745 |
| Pretax return on assets | 1.3941% | 2,332 |
| Return on Equity (ROE) | 10.3105% | 2,297 |
| Retained earnings to average equity (ytd only) | 8.3875% | 1,249 |
| Net charge-offs to loans | 0.0194% | 2,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 133.6625% | 596 |
| Efficiency ratio | 60.1787% | 3,608 |
| Assets per employee ($millions) | 6.3887% | 1,336 |
| Cash dividends to net income (ytd only)* | 18.6535% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,170 |
| Loan loss allowance to noncurrent loans | 1,041.9355% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 4,317 |
| Noncurrent loans to loans | 0.1466% | 4,013 |
| Net loans and leases to total assets | 54.3384% | 4,154 |
| Net loans and leases to deposits | 64.7648% | 4,139 |
| Net loans and leases to core deposits | 67.3293% | 4,200 |
| Total domestic deposits to total assets | 83.9012% | 2,859 |
| Equity capital to assets | 13.4770% | 1,377 |
| Core capital (leverage) ratio | 13.5353% | 1,121 |
| Tier 1 risk-based capital ratio | 25.0804% | 766 |
| Total risk-based capital ratio | 26.3330% | 753 |
| Memoranda: | ||
| Average total assets | $38,350,500 | 4,994 |
| Average earning assets | $36,185,500 | 4,964 |
| Average equity | $4,991,500 | 4,949 |
| Average total loans | $20,621,500 | 4,922 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 4,490 |
| Cost of funding earning assets | 0.6328% | 3,495 |
| Net interest margin | 3.3125% | 4,113 |
| Noninterest income to average assets | 0.3598% | 3,523 |
| Noninterest expense to average assets | 2.1222% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3244% | 1,678 |
| Return on assets (ROA) | 1.3244% | 1,732 |
| Pretax return on assets | 1.3766% | 2,279 |
| Return on Equity (ROE) | 10.2973% | 2,254 |
| Retained earnings to average equity (ytd only) | 7.3784% | 1,662 |
| Net charge-offs to loans | 0.1272% | 1,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.3077% | 1,783 |
| Efficiency ratio | 60.6557% | 3,634 |
| Assets per employee ($millions) | 6.3647% | 1,303 |
| Cash dividends to net income (ytd only)* | 28.3465% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 52.1892% | 4,341 |
| Net loans and leases to deposits | 61.9791% | 4,335 |
| Net loans and leases to core deposits | 64.4337% | 4,395 |
| Total domestic deposits to total assets | 84.2045% | 2,778 |
| Equity capital to assets | 13.1848% | 1,499 |
| Core capital (leverage) ratio | 12.8561% | 1,374 |
| Tier 1 risk-based capital ratio | 25.5295% | 715 |
| Total risk-based capital ratio | 26.7821% | 702 |
| Memoranda: | ||
| Average total assets | $38,356,670 | 5,030 |
| Average earning assets | $36,346,670 | 5,004 |
| Average equity | $4,933,330 | 4,991 |
| Average total loans | $20,444,670 | 4,968 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,531 |
| Cost of funding earning assets | 0.5920% | 3,618 |
| Net interest margin | 3.3216% | 4,110 |
| Noninterest income to average assets | 0.3642% | 3,419 |
| Noninterest expense to average assets | 2.1331% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3423% | 1,548 |
| Return on assets (ROA) | 1.3423% | 1,589 |
| Pretax return on assets | 1.3839% | 2,139 |
| Return on Equity (ROE) | 10.5684% | 2,134 |
| Retained earnings to average equity (ytd only) | 10.5684% | 914 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6509% | 3,729 |
| Assets per employee ($millions) | 6.5272% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 49.8149% | 4,480 |
| Net loans and leases to deposits | 58.7479% | 4,468 |
| Net loans and leases to core deposits | 60.9980% | 4,532 |
| Total domestic deposits to total assets | 84.7943% | 2,752 |
| Equity capital to assets | 12.6701% | 1,642 |
| Core capital (leverage) ratio | 12.7601% | 1,375 |
| Tier 1 risk-based capital ratio | 25.4462% | 730 |
| Total risk-based capital ratio | 26.7029% | 707 |
| Memoranda: | ||
| Average total assets | $38,441,000 | 5,083 |
| Average earning assets | $36,488,000 | 5,046 |
| Average equity | $4,882,500 | 5,042 |
| Average total loans | $20,545,500 | 5,027 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,576 |
| Cost of funding earning assets | 0.4212% | 3,851 |
| Net interest margin | 3.3361% | 4,164 |
| Noninterest income to average assets | 0.3795% | 3,558 |
| Noninterest expense to average assets | 2.0912% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3950% | 1,446 |
| Return on assets (ROA) | 1.3950% | 1,442 |
| Pretax return on assets | 1.4395% | 1,992 |
| Return on Equity (ROE) | 11.0894% | 2,047 |
| Retained earnings to average equity (ytd only) | 3.1833% | 3,808 |
| Net charge-offs to loans | 0.1227% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 21.1538% | 1,958 |
| Efficiency ratio | 59.2291% | 3,982 |
| Assets per employee ($millions) | 6.2865% | 1,331 |
| Cash dividends to net income (ytd only)* | 71.2946% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,189 |
| Loan loss allowance to noncurrent loans | 10,866.6667% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 4,872 |
| Noncurrent loans to loans | 0.0141% | 4,737 |
| Net loans and leases to total assets | 55.4893% | 4,165 |
| Net loans and leases to deposits | 65.5722% | 4,151 |
| Net loans and leases to core deposits | 66.8284% | 4,306 |
| Total domestic deposits to total assets | 84.6231% | 2,787 |
| Equity capital to assets | 12.7336% | 1,468 |
| Core capital (leverage) ratio | 12.8562% | 1,305 |
| Tier 1 risk-based capital ratio | 23.2185% | 894 |
| Total risk-based capital ratio | 24.4726% | 868 |
| Memoranda: | ||
| Average total assets | $38,208,200 | 5,127 |
| Average earning assets | $36,090,200 | 5,098 |
| Average equity | $4,806,400 | 5,077 |
| Average total loans | $21,183,800 | 5,050 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 4,654 |
| Cost of funding earning assets | 0.3909% | 3,926 |
| Net interest margin | 3.3080% | 4,257 |
| Noninterest income to average assets | 0.3826% | 3,585 |
| Noninterest expense to average assets | 2.0627% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4018% | 1,485 |
| Return on assets (ROA) | 1.4018% | 1,485 |
| Pretax return on assets | 1.4401% | 2,086 |
| Return on Equity (ROE) | 11.1773% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.1250% | 1,172 |
| Net charge-offs to loans | 0.0063% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 415.0301% | 228 |
| Efficiency ratio | 58.8878% | 3,979 |
| Assets per employee ($millions) | 6.2257% | 1,334 |
| Cash dividends to net income (ytd only)* | 18.3615% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 903 |
| Loan loss allowance to noncurrent loans | 7,020.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,942 |
| Noncurrent loans to loans | 0.0240% | 4,794 |
| Net loans and leases to total assets | 54.8669% | 4,305 |
| Net loans and leases to deposits | 65.2458% | 4,255 |
| Net loans and leases to core deposits | 67.3247% | 4,331 |
| Total domestic deposits to total assets | 84.0927% | 2,913 |
| Equity capital to assets | 13.2543% | 1,230 |
| Core capital (leverage) ratio | 13.2364% | 1,194 |
| Tier 1 risk-based capital ratio | 24.3119% | 812 |
| Total risk-based capital ratio | 25.5595% | 792 |
| Memoranda: | ||
| Average total assets | $38,330,500 | 5,190 |
| Average earning assets | $36,154,000 | 5,162 |
| Average equity | $4,807,250 | 5,137 |
| Average total loans | $21,165,750 | 5,111 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 4,706 |
| Cost of funding earning assets | 0.3531% | 4,054 |
| Net interest margin | 3.2828% | 4,299 |
| Noninterest income to average assets | 0.3829% | 3,599 |
| Noninterest expense to average assets | 2.0281% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4021% | 1,435 |
| Return on assets (ROA) | 1.4021% | 1,436 |
| Pretax return on assets | 1.4332% | 2,042 |
| Return on Equity (ROE) | 11.3882% | 1,954 |
| Retained earnings to average equity (ytd only) | 8.2785% | 1,499 |
| Net charge-offs to loans | 0.0094% | 2,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 322 |
| Efficiency ratio | 58.5949% | 4,139 |
| Assets per employee ($millions) | 6.2187% | 1,322 |
| Cash dividends to net income (ytd only)* | 27.3063% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.9448% | 4,251 |
| Net loans and leases to deposits | 65.0805% | 4,215 |
| Net loans and leases to core deposits | 66.3441% | 4,353 |
| Total domestic deposits to total assets | 84.4259% | 2,906 |
| Equity capital to assets | 12.9610% | 1,315 |
| Core capital (leverage) ratio | 12.9060% | 1,266 |
| Tier 1 risk-based capital ratio | 23.8167% | 853 |
| Total risk-based capital ratio | 25.0720% | 819 |
| Memoranda: | ||
| Average total assets | $38,656,000 | 5,242 |
| Average earning assets | $36,249,330 | 5,220 |
| Average equity | $4,759,330 | 5,201 |
| Average total loans | $21,272,330 | 5,167 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,756 |
| Cost of funding earning assets | 0.3280% | 4,143 |
| Net interest margin | 3.2467% | 4,323 |
| Noninterest income to average assets | 0.3865% | 3,558 |
| Noninterest expense to average assets | 2.0342% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3324% | 1,532 |
| Return on assets (ROA) | 1.3324% | 1,544 |
| Pretax return on assets | 1.3731% | 2,089 |
| Return on Equity (ROE) | 11.0993% | 1,927 |
| Retained earnings to average equity (ytd only) | 11.0993% | 874 |
| Net charge-offs to loans | 0.0186% | 2,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 480 |
| Efficiency ratio | 59.7015% | 4,102 |
| Assets per employee ($millions) | 7.6810% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.7822% | 4,382 |
| Net loans and leases to deposits | 62.0686% | 4,335 |
| Net loans and leases to core deposits | 63.2303% | 4,469 |
| Total domestic deposits to total assets | 85.0384% | 2,918 |
| Equity capital to assets | 12.4359% | 1,518 |
| Core capital (leverage) ratio | 12.5959% | 1,349 |
| Tier 1 risk-based capital ratio | 23.6256% | 876 |
| Total risk-based capital ratio | 24.8833% | 854 |
| Memoranda: | ||
| Average total assets | $39,328,000 | 5,286 |
| Average earning assets | $36,590,500 | 5,272 |
| Average equity | $4,721,000 | 5,262 |
| Average total loans | $21,482,500 | 5,220 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 4,604 |
| Cost of funding earning assets | 0.3076% | 4,061 |
| Net interest margin | 3.2758% | 4,227 |
| Noninterest income to average assets | 0.4023% | 3,627 |
| Noninterest expense to average assets | 2.8635% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6061% | 3,986 |
| Return on assets (ROA) | 0.6061% | 4,022 |
| Pretax return on assets | 0.6270% | 4,681 |
| Return on Equity (ROE) | 4.9903% | 4,160 |
| Retained earnings to average equity (ytd only) | 1.1185% | 4,579 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0359% | 923 |
| Assets per employee ($millions) | 8.0502% | 628 |
| Cash dividends to net income (ytd only)* | 77.5862% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 1,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.6347% | 4,304 |
| Net loans and leases to deposits | 63.5321% | 4,349 |
| Net loans and leases to core deposits | 64.6528% | 4,489 |
| Total domestic deposits to total assets | 85.9954% | 2,435 |
| Equity capital to assets | 11.5923% | 2,117 |
| Core capital (leverage) ratio | 12.2532% | 1,468 |
| Tier 1 risk-based capital ratio | 21.0396% | 1,140 |
| Total risk-based capital ratio | 22.2942% | 1,114 |
| Memoranda: | ||
| Average total assets | $38,275,400 | 5,356 |
| Average earning assets | $36,082,400 | 5,332 |
| Average equity | $4,649,000 | 5,326 |
| Average total loans | $21,726,800 | 5,268 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,652 |
| Cost of funding earning assets | 0.3047% | 4,089 |
| Net interest margin | 3.2590% | 4,300 |
| Noninterest income to average assets | 0.4058% | 3,648 |
| Noninterest expense to average assets | 3.1372% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3564% | 5,090 |
| Return on assets (ROA) | 0.3564% | 5,110 |
| Pretax return on assets | 0.3635% | 5,239 |
| Return on Equity (ROE) | 2.8992% | 5,133 |
| Retained earnings to average equity (ytd only) | 0.7751% | 5,043 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6169% | 424 |
| Assets per employee ($millions) | 6.3418% | 1,281 |
| Cash dividends to net income (ytd only)* | 73.2660% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.3283% | 4,123 |
| Net loans and leases to deposits | 67.3105% | 4,161 |
| Net loans and leases to core deposits | 69.2376% | 4,289 |
| Total domestic deposits to total assets | 85.1699% | 2,650 |
| Equity capital to assets | 12.2756% | 1,790 |
| Core capital (leverage) ratio | 12.3161% | 1,504 |
| Tier 1 risk-based capital ratio | 21.4253% | 1,127 |
| Total risk-based capital ratio | 22.6775% | 1,106 |
| Memoranda: | ||
| Average total assets | $37,781,500 | 5,421 |
| Average earning assets | $35,878,750 | 5,394 |
| Average equity | $4,644,750 | 5,383 |
| Average total loans | $21,572,750 | 5,322 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 4,726 |
| Cost of funding earning assets | 0.3019% | 4,063 |
| Net interest margin | 3.2142% | 4,373 |
| Noninterest income to average assets | 0.4086% | 3,637 |
| Noninterest expense to average assets | 3.6188% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1539% | 5,603 |
| Return on assets (ROA) | -0.1539% | 5,605 |
| Pretax return on assets | -0.1592% | 5,599 |
| Return on Equity (ROE) | -1.2511% | 5,596 |
| Retained earnings to average equity (ytd only) | -4.4435% | 5,510 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6012% | 144 |
| Assets per employee ($millions) | 6.2813% | 1,263 |
| Cash dividends to net income (ytd only)* | -255.1724% | 5,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 1,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.0391% | 4,221 |
| Net loans and leases to deposits | 65.6329% | 4,246 |
| Net loans and leases to core deposits | 67.5257% | 4,376 |
| Total domestic deposits to total assets | 85.3826% | 2,657 |
| Equity capital to assets | 12.0542% | 1,895 |
| Core capital (leverage) ratio | 11.9809% | 1,641 |
| Tier 1 risk-based capital ratio | 21.2604% | 1,149 |
| Total risk-based capital ratio | 22.5152% | 1,130 |
| Memoranda: | ||
| Average total assets | $37,691,670 | 5,470 |
| Average earning assets | $35,778,330 | 5,437 |
| Average equity | $4,636,000 | 5,424 |
| Average total loans | $21,375,000 | 5,367 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 4,743 |
| Cost of funding earning assets | 0.2900% | 4,143 |
| Net interest margin | 3.1903% | 4,372 |
| Noninterest income to average assets | 0.4033% | 3,636 |
| Noninterest expense to average assets | 2.2922% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1143% | 1,809 |
| Return on assets (ROA) | 1.1143% | 1,852 |
| Pretax return on assets | 1.1461% | 2,787 |
| Return on Equity (ROE) | 8.9696% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.9696% | 1,092 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 3,383 |
| Assets per employee ($millions) | 6.3207% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 1,205 |
| Loan loss allowance to noncurrent loans | 35,200.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 5,371 |
| Noncurrent loans to loans | 0.0048% | 5,251 |
| Net loans and leases to total assets | 54.5776% | 4,293 |
| Net loans and leases to deposits | 63.6960% | 4,325 |
| Net loans and leases to core deposits | 65.5124% | 4,462 |
| Total domestic deposits to total assets | 85.6845% | 2,804 |
| Equity capital to assets | 12.4960% | 1,538 |
| Core capital (leverage) ratio | 12.5298% | 1,323 |
| Tier 1 risk-based capital ratio | 22.7511% | 1,005 |
| Total risk-based capital ratio | 24.0060% | 989 |
| Memoranda: | ||
| Average total assets | $37,693,500 | 5,532 |
| Average earning assets | $35,858,500 | 5,496 |
| Average equity | $4,682,500 | 5,476 |
| Average total loans | $21,326,500 | 5,426 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 4,476 |
| Cost of funding earning assets | 0.3086% | 3,972 |
| Net interest margin | 3.3063% | 4,126 |
| Noninterest income to average assets | 0.4077% | 3,818 |
| Noninterest expense to average assets | 2.2894% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1987% | 1,519 |
| Return on assets (ROA) | 1.1987% | 1,602 |
| Pretax return on assets | 1.2419% | 2,505 |
| Return on Equity (ROE) | 9.5291% | 2,179 |
| Retained earnings to average equity (ytd only) | 2.6184% | 4,031 |
| Net charge-offs to loans | 0.0138% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 153.3333% | 423 |
| Efficiency ratio | 64.8318% | 3,793 |
| Assets per employee ($millions) | 6.2438% | 1,301 |
| Cash dividends to net income (ytd only)* | 72.5225% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.7253% | 4,199 |
| Net loans and leases to deposits | 66.0893% | 4,238 |
| Net loans and leases to core deposits | 67.9945% | 4,399 |
| Total domestic deposits to total assets | 85.8314% | 2,662 |
| Equity capital to assets | 12.3482% | 1,604 |
| Core capital (leverage) ratio | 12.4195% | 1,377 |
| Tier 1 risk-based capital ratio | 21.7690% | 1,112 |
| Total risk-based capital ratio | 23.0205% | 1,087 |
| Memoranda: | ||
| Average total assets | $37,039,600 | 5,594 |
| Average earning assets | $34,994,000 | 5,565 |
| Average equity | $4,659,400 | 5,532 |
| Average total loans | $21,715,000 | 5,455 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 4,499 |
| Cost of funding earning assets | 0.3132% | 3,940 |
| Net interest margin | 3.3036% | 4,173 |
| Noninterest income to average assets | 0.4079% | 3,862 |
| Noninterest expense to average assets | 2.2959% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1949% | 1,653 |
| Return on assets (ROA) | 1.1949% | 1,752 |
| Pretax return on assets | 1.2346% | 2,684 |
| Return on Equity (ROE) | 9.4547% | 2,291 |
| Retained earnings to average equity (ytd only) | 7.4267% | 1,427 |
| Net charge-offs to loans | 0.0184% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 113.9975% | 596 |
| Efficiency ratio | 65.0307% | 3,758 |
| Assets per employee ($millions) | 6.0685% | 1,385 |
| Cash dividends to net income (ytd only)* | 21.4493% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,463 |
| Loan loss allowance to noncurrent loans | 17,600.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,519 |
| Noncurrent loans to loans | 0.0091% | 5,372 |
| Net loans and leases to total assets | 59.3941% | 3,955 |
| Net loans and leases to deposits | 69.9508% | 3,994 |
| Net loans and leases to core deposits | 72.0482% | 4,158 |
| Total domestic deposits to total assets | 84.9084% | 2,846 |
| Equity capital to assets | 13.2213% | 1,385 |
| Core capital (leverage) ratio | 12.8669% | 1,239 |
| Tier 1 risk-based capital ratio | 22.0428% | 1,133 |
| Total risk-based capital ratio | 23.2965% | 1,111 |
| Memoranda: | ||
| Average total assets | $36,933,750 | 5,656 |
| Average earning assets | $34,910,500 | 5,628 |
| Average equity | $4,667,750 | 5,587 |
| Average total loans | $21,743,000 | 5,508 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5609% | 4,707 |
| Cost of funding earning assets | 0.3129% | 3,988 |
| Net interest margin | 3.2480% | 4,387 |
| Noninterest income to average assets | 0.3934% | 3,921 |
| Noninterest expense to average assets | 2.2852% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1534% | 1,763 |
| Return on assets (ROA) | 1.1534% | 1,880 |
| Pretax return on assets | 1.1857% | 2,840 |
| Return on Equity (ROE) | 9.2661% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.1918% | 2,018 |
| Net charge-offs to loans | 0.0185% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 526 |
| Efficiency ratio | 65.8385% | 3,702 |
| Assets per employee ($millions) | 6.2158% | 1,251 |
| Cash dividends to net income (ytd only)* | 33.1776% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,504 |
| Loan loss allowance to noncurrent loans | 35,300.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,629 |
| Noncurrent loans to loans | 0.0046% | 5,496 |
| Net loans and leases to total assets | 57.8415% | 4,133 |
| Net loans and leases to deposits | 67.5751% | 4,219 |
| Net loans and leases to core deposits | 69.5355% | 4,360 |
| Total domestic deposits to total assets | 85.5959% | 2,610 |
| Equity capital to assets | 12.6237% | 1,702 |
| Core capital (leverage) ratio | 12.4765% | 1,367 |
| Tier 1 risk-based capital ratio | 21.6575% | 1,175 |
| Total risk-based capital ratio | 22.9106% | 1,161 |
| Memoranda: | ||
| Average total assets | $37,108,000 | 5,719 |
| Average earning assets | $35,159,670 | 5,687 |
| Average equity | $4,619,000 | 5,655 |
| Average total loans | $21,664,670 | 5,570 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,792 |
| Cost of funding earning assets | 0.3081% | 4,081 |
| Net interest margin | 3.2295% | 4,474 |
| Noninterest income to average assets | 0.3890% | 3,908 |
| Noninterest expense to average assets | 2.3126% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1131% | 1,855 |
| Return on assets (ROA) | 1.1131% | 1,956 |
| Pretax return on assets | 1.1347% | 2,957 |
| Return on Equity (ROE) | 9.0064% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.0064% | 1,113 |
| Net charge-offs to loans | 0.0371% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 854 |
| Efficiency ratio | 67.0846% | 3,617 |
| Assets per employee ($millions) | 6.1525% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 1,477 |
| Loan loss allowance to noncurrent loans | 35,300.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,677 |
| Noncurrent loans to loans | 0.0047% | 5,512 |
| Net loans and leases to total assets | 56.9145% | 4,153 |
| Net loans and leases to deposits | 66.4537% | 4,213 |
| Net loans and leases to core deposits | 68.4008% | 4,362 |
| Total domestic deposits to total assets | 85.6454% | 2,836 |
| Equity capital to assets | 12.5748% | 1,636 |
| Core capital (leverage) ratio | 12.5956% | 1,302 |
| Tier 1 risk-based capital ratio | 21.8706% | 1,180 |
| Total risk-based capital ratio | 23.1233% | 1,161 |
| Memoranda: | ||
| Average total assets | $37,014,500 | 5,776 |
| Average earning assets | $35,051,500 | 5,745 |
| Average equity | $4,574,500 | 5,708 |
| Average total loans | $21,534,500 | 5,628 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,658 |
| Cost of funding earning assets | 0.3408% | 3,787 |
| Net interest margin | 3.2652% | 4,421 |
| Noninterest income to average assets | 0.4059% | 3,993 |
| Noninterest expense to average assets | 2.3089% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1155% | 1,853 |
| Return on assets (ROA) | 1.1155% | 1,918 |
| Pretax return on assets | 1.1612% | 2,807 |
| Return on Equity (ROE) | 9.1818% | 2,373 |
| Retained earnings to average equity (ytd only) | 2.4116% | 4,345 |
| Net charge-offs to loans | -0.0047% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5376% | 3,824 |
| Assets per employee ($millions) | 6.1857% | 1,268 |
| Cash dividends to net income (ytd only)* | 73.7349% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 1,507 |
| Loan loss allowance to noncurrent loans | 35,500.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,717 |
| Noncurrent loans to loans | 0.0046% | 5,538 |
| Net loans and leases to total assets | 57.5282% | 4,146 |
| Net loans and leases to deposits | 66.8179% | 4,240 |
| Net loans and leases to core deposits | 68.7544% | 4,393 |
| Total domestic deposits to total assets | 86.0969% | 2,592 |
| Equity capital to assets | 12.1437% | 1,852 |
| Core capital (leverage) ratio | 12.4125% | 1,396 |
| Tier 1 risk-based capital ratio | 21.0968% | 1,278 |
| Total risk-based capital ratio | 22.3518% | 1,260 |
| Memoranda: | ||
| Average total assets | $37,203,400 | 5,818 |
| Average earning assets | $34,913,600 | 5,787 |
| Average equity | $4,519,800 | 5,756 |
| Average total loans | $21,332,200 | 5,669 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 4,798 |
| Cost of funding earning assets | 0.3478% | 3,779 |
| Net interest margin | 3.2300% | 4,578 |
| Noninterest income to average assets | 0.4155% | 3,966 |
| Noninterest expense to average assets | 2.3066% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0924% | 2,045 |
| Return on assets (ROA) | 1.0924% | 2,126 |
| Pretax return on assets | 1.1354% | 3,072 |
| Return on Equity (ROE) | 8.9909% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.8979% | 1,738 |
| Net charge-offs to loans | -0.0063% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0135% | 3,711 |
| Assets per employee ($millions) | 6.0700% | 1,319 |
| Cash dividends to net income (ytd only)* | 23.2774% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,827 |
| Loan loss allowance to noncurrent loans | 35,500.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,812 |
| Noncurrent loans to loans | 0.0045% | 5,644 |
| Net loans and leases to total assets | 60.3762% | 3,828 |
| Net loans and leases to deposits | 70.6769% | 3,909 |
| Net loans and leases to core deposits | 72.7823% | 4,117 |
| Total domestic deposits to total assets | 85.4256% | 2,816 |
| Equity capital to assets | 12.7952% | 1,569 |
| Core capital (leverage) ratio | 12.5481% | 1,382 |
| Tier 1 risk-based capital ratio | 21.1541% | 1,320 |
| Total risk-based capital ratio | 22.4060% | 1,301 |
| Memoranda: | ||
| Average total assets | $37,225,750 | 5,899 |
| Average earning assets | $34,880,500 | 5,870 |
| Average equity | $4,523,000 | 5,833 |
| Average total loans | $21,238,750 | 5,741 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 4,966 |
| Cost of funding earning assets | 0.3488% | 3,820 |
| Net interest margin | 3.1561% | 4,807 |
| Noninterest income to average assets | 0.4161% | 3,959 |
| Noninterest expense to average assets | 2.2830% | 4,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0402% | 2,178 |
| Return on assets (ROA) | 1.0402% | 2,296 |
| Pretax return on assets | 1.0775% | 3,271 |
| Return on Equity (ROE) | 8.7105% | 2,697 |
| Retained earnings to average equity (ytd only) | 5.5390% | 2,516 |
| Net charge-offs to loans | -0.0096% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9365% | 3,678 |
| Assets per employee ($millions) | 6.1278% | 1,260 |
| Cash dividends to net income (ytd only)* | 36.4103% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 1,633 |
| Loan loss allowance to noncurrent loans | 7,100.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,844 |
| Noncurrent loans to loans | 0.0238% | 5,664 |
| Net loans and leases to total assets | 56.2760% | 4,311 |
| Net loans and leases to deposits | 65.4571% | 4,389 |
| Net loans and leases to core deposits | 67.3754% | 4,544 |
| Total domestic deposits to total assets | 85.9738% | 2,703 |
| Equity capital to assets | 12.2991% | 1,799 |
| Core capital (leverage) ratio | 12.1977% | 1,539 |
| Tier 1 risk-based capital ratio | 21.4863% | 1,286 |
| Total risk-based capital ratio | 22.7415% | 1,269 |
| Memoranda: | ||
| Average total assets | $37,494,330 | 5,959 |
| Average earning assets | $34,980,330 | 5,930 |
| Average equity | $4,477,330 | 5,899 |
| Average total loans | $20,870,330 | 5,812 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 5,036 |
| Cost of funding earning assets | 0.3537% | 3,819 |
| Net interest margin | 3.1152% | 4,905 |
| Noninterest income to average assets | 0.4543% | 3,610 |
| Noninterest expense to average assets | 2.2611% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0460% | 2,049 |
| Return on assets (ROA) | 1.0460% | 2,197 |
| Pretax return on assets | 1.0777% | 3,180 |
| Return on Equity (ROE) | 8.8889% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.8889% | 1,240 |
| Net charge-offs to loans | -0.0192% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7215% | 3,874 |
| Assets per employee ($millions) | 6.3407% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 1,682 |
| Loan loss allowance to noncurrent loans | 5,916.6667% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 5,888 |
| Noncurrent loans to loans | 0.0291% | 5,687 |
| Net loans and leases to total assets | 53.2489% | 4,526 |
| Net loans and leases to deposits | 61.5838% | 4,613 |
| Net loans and leases to core deposits | 63.3161% | 4,758 |
| Total domestic deposits to total assets | 86.4657% | 2,685 |
| Equity capital to assets | 11.8941% | 2,113 |
| Core capital (leverage) ratio | 12.0142% | 1,629 |
| Tier 1 risk-based capital ratio | 21.8087% | 1,272 |
| Total risk-based capital ratio | 23.0605% | 1,247 |
| Memoranda: | ||
| Average total assets | $37,858,000 | 6,007 |
| Average earning assets | $35,054,000 | 5,987 |
| Average equity | $4,455,000 | 5,956 |
| Average total loans | $20,782,500 | 5,863 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 5,115 |
| Cost of funding earning assets | 0.3889% | 3,804 |
| Net interest margin | 3.1973% | 4,928 |
| Noninterest income to average assets | 0.4193% | 4,040 |
| Noninterest expense to average assets | 2.3371% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0441% | 2,196 |
| Return on assets (ROA) | 1.0441% | 2,263 |
| Pretax return on assets | 1.0847% | 3,145 |
| Return on Equity (ROE) | 8.7887% | 2,686 |
| Retained earnings to average equity (ytd only) | 2.0264% | 4,772 |
| Net charge-offs to loans | 0.0488% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 40.1000% | 1,083 |
| Efficiency ratio | 68.3004% | 3,848 |
| Assets per employee ($millions) | 6.2787% | 1,200 |
| Cash dividends to net income (ytd only)* | 76.9430% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 1,801 |
| Loan loss allowance to noncurrent loans | 3,933.3333% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 5,397 |
| Noncurrent loans to loans | 0.0430% | 5,704 |
| Net loans and leases to total assets | 54.6772% | 4,493 |
| Net loans and leases to deposits | 63.0467% | 4,628 |
| Net loans and leases to core deposits | 64.8327% | 4,769 |
| Total domestic deposits to total assets | 86.7249% | 2,438 |
| Equity capital to assets | 11.6399% | 2,308 |
| Core capital (leverage) ratio | 11.6986% | 1,827 |
| Tier 1 risk-based capital ratio | 20.4904% | 1,510 |
| Total risk-based capital ratio | 21.7442% | 1,483 |
| Memoranda: | ||
| Average total assets | $36,969,000 | 6,106 |
| Average earning assets | $34,716,800 | 6,070 |
| Average equity | $4,392,000 | 6,011 |
| Average total loans | $20,505,400 | 5,940 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 5,211 |
| Cost of funding earning assets | 0.3993% | 3,791 |
| Net interest margin | 3.1755% | 5,045 |
| Noninterest income to average assets | 0.4276% | 4,038 |
| Noninterest expense to average assets | 2.3156% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0690% | 2,156 |
| Return on assets (ROA) | 1.0690% | 2,227 |
| Pretax return on assets | 1.1089% | 3,151 |
| Return on Equity (ROE) | 8.9518% | 2,717 |
| Retained earnings to average equity (ytd only) | 7.1313% | 1,750 |
| Net charge-offs to loans | 0.0588% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 33.9992% | 1,262 |
| Efficiency ratio | 67.6190% | 3,919 |
| Assets per employee ($millions) | 6.1958% | 1,204 |
| Cash dividends to net income (ytd only)* | 20.3397% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 1,919 |
| Loan loss allowance to noncurrent loans | 5,916.6667% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 5,581 |
| Noncurrent loans to loans | 0.0290% | 5,915 |
| Net loans and leases to total assets | 54.6954% | 4,492 |
| Net loans and leases to deposits | 63.4672% | 4,595 |
| Net loans and leases to core deposits | 65.2996% | 4,770 |
| Total domestic deposits to total assets | 86.1789% | 2,770 |
| Equity capital to assets | 12.1748% | 1,924 |
| Core capital (leverage) ratio | 12.1586% | 1,599 |
| Tier 1 risk-based capital ratio | 21.7169% | 1,305 |
| Total risk-based capital ratio | 22.9747% | 1,286 |
| Memoranda: | ||
| Average total assets | $36,793,250 | 6,182 |
| Average earning assets | $34,723,000 | 6,145 |
| Average equity | $4,393,750 | 6,071 |
| Average total loans | $20,393,750 | 6,007 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 5,340 |
| Cost of funding earning assets | 0.4110% | 3,764 |
| Net interest margin | 3.1204% | 5,191 |
| Noninterest income to average assets | 0.4309% | 4,018 |
| Noninterest expense to average assets | 2.3237% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0146% | 2,271 |
| Return on assets (ROA) | 1.0146% | 2,338 |
| Pretax return on assets | 1.0473% | 3,291 |
| Return on Equity (ROE) | 8.5524% | 2,813 |
| Retained earnings to average equity (ytd only) | 5.7935% | 2,451 |
| Net charge-offs to loans | 0.1183% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,821 |
| Efficiency ratio | 68.9320% | 3,844 |
| Assets per employee ($millions) | 6.0382% | 1,254 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 2,149 |
| Loan loss allowance to noncurrent loans | 628.5714% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 5,692 |
| Noncurrent loans to loans | 0.2694% | 5,208 |
| Net loans and leases to total assets | 56.4079% | 4,220 |
| Net loans and leases to deposits | 65.4811% | 4,322 |
| Net loans and leases to core deposits | 67.4233% | 4,513 |
| Total domestic deposits to total assets | 86.1437% | 2,972 |
| Equity capital to assets | 12.2361% | 1,828 |
| Core capital (leverage) ratio | 11.9018% | 1,718 |
| Tier 1 risk-based capital ratio | 21.3261% | 1,376 |
| Total risk-based capital ratio | 22.5820% | 1,353 |
| Memoranda: | ||
| Average total assets | $36,666,000 | 6,246 |
| Average earning assets | $34,546,330 | 6,209 |
| Average equity | $4,349,670 | 6,125 |
| Average total loans | $20,295,670 | 6,066 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 5,587 |
| Cost of funding earning assets | 0.4169% | 3,798 |
| Net interest margin | 3.0109% | 5,500 |
| Noninterest income to average assets | 0.3796% | 4,350 |
| Noninterest expense to average assets | 2.3208% | 5,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8567% | 2,868 |
| Return on assets (ROA) | 0.8567% | 2,937 |
| Pretax return on assets | 0.8784% | 3,790 |
| Return on Equity (ROE) | 7.3352% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.3352% | 1,890 |
| Net charge-offs to loans | 0.2793% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 2,332 |
| Efficiency ratio | 72.5424% | 3,389 |
| Assets per employee ($millions) | 6.1638% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 2,112 |
| Loan loss allowance to noncurrent loans | 626.7857% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 5,329 |
| Noncurrent loans to loans | 0.2836% | 5,260 |
| Net loans and leases to total assets | 52.4511% | 4,622 |
| Net loans and leases to deposits | 60.5355% | 4,706 |
| Net loans and leases to core deposits | 62.2769% | 4,850 |
| Total domestic deposits to total assets | 86.6452% | 3,016 |
| Equity capital to assets | 11.7865% | 2,022 |
| Core capital (leverage) ratio | 11.9268% | 1,697 |
| Tier 1 risk-based capital ratio | 22.1152% | 1,279 |
| Total risk-based capital ratio | 23.3710% | 1,254 |
| Memoranda: | ||
| Average total assets | $36,884,500 | 6,304 |
| Average earning assets | $34,541,500 | 6,269 |
| Average equity | $4,308,000 | 6,181 |
| Average total loans | $20,049,500 | 6,135 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 5,279 |
| Cost of funding earning assets | 0.5079% | 3,524 |
| Net interest margin | 3.1414% | 5,192 |
| Noninterest income to average assets | 0.4032% | 4,421 |
| Noninterest expense to average assets | 2.3472% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9720% | 2,460 |
| Return on assets (ROA) | 0.9720% | 2,524 |
| Pretax return on assets | 1.0107% | 3,307 |
| Return on Equity (ROE) | 8.0797% | 2,997 |
| Retained earnings to average equity (ytd only) | 1.2625% | 5,260 |
| Net charge-offs to loans | -0.0346% | 6,252 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9013% | 3,850 |
| Assets per employee ($millions) | 6.1310% | 1,184 |
| Cash dividends to net income (ytd only)* | 84.3750% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,095 |
| Loan loss allowance to noncurrent loans | 208.0000% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 4,811 |
| Noncurrent loans to loans | 0.8600% | 3,832 |
| Net loans and leases to total assets | 54.3305% | 4,542 |
| Net loans and leases to deposits | 62.5442% | 4,670 |
| Net loans and leases to core deposits | 64.3526% | 4,837 |
| Total domestic deposits to total assets | 86.8673% | 2,796 |
| Equity capital to assets | 11.5723% | 2,116 |
| Core capital (leverage) ratio | 11.9280% | 1,657 |
| Tier 1 risk-based capital ratio | 21.0141% | 1,416 |
| Total risk-based capital ratio | 22.2683% | 1,395 |
| Memoranda: | ||
| Average total assets | $36,213,400 | 6,387 |
| Average earning assets | $34,060,800 | 6,347 |
| Average equity | $4,356,600 | 6,248 |
| Average total loans | $20,239,200 | 6,191 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 5,267 |
| Cost of funding earning assets | 0.5234% | 3,531 |
| Net interest margin | 3.1403% | 5,195 |
| Noninterest income to average assets | 0.3844% | 4,642 |
| Noninterest expense to average assets | 2.3398% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9795% | 2,471 |
| Return on assets (ROA) | 0.9795% | 2,573 |
| Pretax return on assets | 1.0165% | 3,441 |
| Return on Equity (ROE) | 8.0639% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.2383% | 2,265 |
| Net charge-offs to loans | -0.0330% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7137% | 3,802 |
| Assets per employee ($millions) | 5.9263% | 1,290 |
| Cash dividends to net income (ytd only)* | 22.6424% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,283 |
| Loan loss allowance to noncurrent loans | 329.0909% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 5,489 |
| Noncurrent loans to loans | 0.5490% | 4,824 |
| Net loans and leases to total assets | 55.3265% | 4,413 |
| Net loans and leases to deposits | 64.3982% | 4,475 |
| Net loans and leases to core deposits | 66.3440% | 4,679 |
| Total domestic deposits to total assets | 85.9132% | 3,311 |
| Equity capital to assets | 12.4698% | 1,600 |
| Core capital (leverage) ratio | 12.5964% | 1,369 |
| Tier 1 risk-based capital ratio | 22.4268% | 1,242 |
| Total risk-based capital ratio | 23.6845% | 1,217 |
| Memoranda: | ||
| Average total assets | $36,070,250 | 6,462 |
| Average earning assets | $34,136,000 | 6,416 |
| Average equity | $4,381,500 | 6,314 |
| Average total loans | $20,211,500 | 6,256 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 5,229 |
| Cost of funding earning assets | 0.5364% | 3,533 |
| Net interest margin | 3.1369% | 5,167 |
| Noninterest income to average assets | 0.3587% | 4,822 |
| Noninterest expense to average assets | 2.3178% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9768% | 2,435 |
| Return on assets (ROA) | 0.9768% | 2,582 |
| Pretax return on assets | 1.0099% | 3,465 |
| Return on Equity (ROE) | 8.1118% | 3,034 |
| Retained earnings to average equity (ytd only) | 5.3621% | 2,833 |
| Net charge-offs to loans | -0.0296% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6517% | 3,894 |
| Assets per employee ($millions) | 5.9200% | 1,261 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 2,609 |
| Loan loss allowance to noncurrent loans | 327.2727% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 5,549 |
| Noncurrent loans to loans | 0.5330% | 4,931 |
| Net loans and leases to total assets | 57.0890% | 4,125 |
| Net loans and leases to deposits | 66.1944% | 4,246 |
| Net loans and leases to core deposits | 68.1866% | 4,476 |
| Total domestic deposits to total assets | 86.2444% | 3,235 |
| Equity capital to assets | 12.1959% | 1,776 |
| Core capital (leverage) ratio | 12.2456% | 1,476 |
| Tier 1 risk-based capital ratio | 21.5126% | 1,386 |
| Total risk-based capital ratio | 22.7682% | 1,356 |
| Memoranda: | ||
| Average total assets | $36,241,000 | 6,504 |
| Average earning assets | $34,301,000 | 6,455 |
| Average equity | $4,364,000 | 6,367 |
| Average total loans | $20,270,330 | 6,288 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 5,393 |
| Cost of funding earning assets | 0.5648% | 3,431 |
| Net interest margin | 3.0544% | 5,413 |
| Noninterest income to average assets | 0.3497% | 4,882 |
| Noninterest expense to average assets | 2.3168% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9071% | 2,609 |
| Return on assets (ROA) | 0.9071% | 2,766 |
| Pretax return on assets | 0.9289% | 3,653 |
| Return on Equity (ROE) | 7.5799% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.5799% | 1,907 |
| Net charge-offs to loans | -0.0398% | 6,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3805% | 3,739 |
| Assets per employee ($millions) | 6.0823% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 2,717 |
| Loan loss allowance to noncurrent loans | 747.9167% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 6,176 |
| Noncurrent loans to loans | 0.2372% | 5,822 |
| Net loans and leases to total assets | 54.4665% | 4,340 |
| Net loans and leases to deposits | 63.0276% | 4,419 |
| Net loans and leases to core deposits | 64.8664% | 4,664 |
| Total domestic deposits to total assets | 86.4169% | 3,293 |
| Equity capital to assets | 12.0979% | 1,976 |
| Core capital (leverage) ratio | 11.8592% | 1,651 |
| Tier 1 risk-based capital ratio | 22.0566% | 1,323 |
| Total risk-based capital ratio | 23.3133% | 1,290 |
| Memoranda: | ||
| Average total assets | $36,601,500 | 6,558 |
| Average earning assets | $34,703,500 | 6,503 |
| Average equity | $4,380,000 | 6,426 |
| Average total loans | $20,086,500 | 6,353 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 5,207 |
| Cost of funding earning assets | 0.7396% | 3,164 |
| Net interest margin | 3.2970% | 5,257 |
| Noninterest income to average assets | 0.4629% | 4,152 |
| Noninterest expense to average assets | 2.3621% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1755% | 1,677 |
| Return on assets (ROA) | 1.1755% | 1,847 |
| Pretax return on assets | 1.2147% | 2,751 |
| Return on Equity (ROE) | 9.5435% | 2,389 |
| Retained earnings to average equity (ytd only) | 2.2321% | 4,668 |
| Net charge-offs to loans | -0.2928% | 6,975 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0392% | 4,499 |
| Assets per employee ($millions) | 6.1182% | 1,211 |
| Cash dividends to net income (ytd only)* | 76.6110% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 2,616 |
| Loan loss allowance to noncurrent loans | 759.5745% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 6,251 |
| Noncurrent loans to loans | 0.2357% | 5,889 |
| Net loans and leases to total assets | 53.3384% | 4,711 |
| Net loans and leases to deposits | 61.5201% | 4,845 |
| Net loans and leases to core deposits | 63.2940% | 5,036 |
| Total domestic deposits to total assets | 86.7008% | 2,993 |
| Equity capital to assets | 11.8363% | 2,154 |
| Core capital (leverage) ratio | 11.6102% | 1,797 |
| Tier 1 risk-based capital ratio | 21.8242% | 1,296 |
| Total risk-based capital ratio | 23.0817% | 1,265 |
| Memoranda: | ||
| Average total assets | $35,645,800 | 6,614 |
| Average earning assets | $33,667,200 | 6,565 |
| Average equity | $4,390,400 | 6,466 |
| Average total loans | $20,489,200 | 6,401 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 5,137 |
| Cost of funding earning assets | 0.7742% | 3,156 |
| Net interest margin | 3.3402% | 5,248 |
| Noninterest income to average assets | 0.4748% | 4,102 |
| Noninterest expense to average assets | 2.3252% | 5,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2549% | 1,559 |
| Return on assets (ROA) | 1.2549% | 1,722 |
| Pretax return on assets | 1.3039% | 2,598 |
| Return on Equity (ROE) | 10.0867% | 2,311 |
| Retained earnings to average equity (ytd only) | 7.8451% | 1,685 |
| Net charge-offs to loans | -0.3619% | 7,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0706% | 4,798 |
| Assets per employee ($millions) | 6.1050% | 1,181 |
| Cash dividends to net income (ytd only)* | 22.2212% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,885 |
| Loan loss allowance to noncurrent loans | 235.3333% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 5,665 |
| Noncurrent loans to loans | 0.7534% | 4,911 |
| Net loans and leases to total assets | 53.3907% | 4,839 |
| Net loans and leases to deposits | 62.1232% | 4,955 |
| Net loans and leases to core deposits | 63.9347% | 5,154 |
| Total domestic deposits to total assets | 85.9432% | 3,288 |
| Equity capital to assets | 12.3615% | 1,990 |
| Core capital (leverage) ratio | 12.3489% | 1,474 |
| Tier 1 risk-based capital ratio | 22.7940% | 1,200 |
| Total risk-based capital ratio | 24.0494% | 1,182 |
| Memoranda: | ||
| Average total assets | $35,380,000 | 6,707 |
| Average earning assets | $33,410,500 | 6,655 |
| Average equity | $4,401,750 | 6,538 |
| Average total loans | $20,627,250 | 6,483 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 5,010 |
| Cost of funding earning assets | 0.8042% | 3,155 |
| Net interest margin | 3.3801% | 5,162 |
| Noninterest income to average assets | 0.4805% | 4,055 |
| Noninterest expense to average assets | 2.3282% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2985% | 1,448 |
| Return on assets (ROA) | 1.2985% | 1,600 |
| Pretax return on assets | 1.3500% | 2,387 |
| Return on Equity (ROE) | 10.4136% | 2,208 |
| Retained earnings to average equity (ytd only) | 7.0189% | 2,090 |
| Net charge-offs to loans | 0.0383% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 644 |
| Efficiency ratio | 63.2970% | 5,027 |
| Assets per employee ($millions) | 5.9010% | 1,293 |
| Cash dividends to net income (ytd only)* | 32.5991% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 4,453 |
| Loan loss allowance to noncurrent loans | 430.8824% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 6,306 |
| Noncurrent loans to loans | 0.3257% | 5,901 |
| Net loans and leases to total assets | 58.1342% | 4,135 |
| Net loans and leases to deposits | 67.6894% | 4,253 |
| Net loans and leases to core deposits | 69.7327% | 4,559 |
| Total domestic deposits to total assets | 85.8837% | 3,414 |
| Equity capital to assets | 12.4894% | 1,825 |
| Core capital (leverage) ratio | 12.2190% | 1,488 |
| Tier 1 risk-based capital ratio | 21.1590% | 1,452 |
| Total risk-based capital ratio | 22.4123% | 1,426 |
| Memoranda: | ||
| Average total assets | $34,963,330 | 6,766 |
| Average earning assets | $33,076,330 | 6,708 |
| Average equity | $4,359,670 | 6,582 |
| Average total loans | $20,866,330 | 6,516 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 4,898 |
| Cost of funding earning assets | 0.8394% | 3,156 |
| Net interest margin | 3.4185% | 5,036 |
| Noninterest income to average assets | 0.4721% | 4,128 |
| Noninterest expense to average assets | 2.3372% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3240% | 1,387 |
| Return on assets (ROA) | 1.3240% | 1,553 |
| Pretax return on assets | 1.3701% | 2,286 |
| Return on Equity (ROE) | 10.6272% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.6272% | 1,132 |
| Net charge-offs to loans | 0.0383% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 555 |
| Efficiency ratio | 63.0435% | 5,094 |
| Assets per employee ($millions) | 5.8195% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 4,441 |
| Loan loss allowance to noncurrent loans | 415.4930% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 6,381 |
| Noncurrent loans to loans | 0.3457% | 5,980 |
| Net loans and leases to total assets | 57.9775% | 4,042 |
| Net loans and leases to deposits | 67.4890% | 4,149 |
| Net loans and leases to core deposits | 69.5527% | 4,490 |
| Total domestic deposits to total assets | 85.9066% | 3,584 |
| Equity capital to assets | 12.5469% | 1,697 |
| Core capital (leverage) ratio | 12.5522% | 1,320 |
| Tier 1 risk-based capital ratio | 21.2103% | 1,450 |
| Total risk-based capital ratio | 22.4624% | 1,421 |
| Memoranda: | ||
| Average total assets | $34,742,000 | 6,828 |
| Average earning assets | $32,879,500 | 6,768 |
| Average equity | $4,328,500 | 6,628 |
| Average total loans | $20,861,500 | 6,571 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 4,922 |
| Cost of funding earning assets | 1.0199% | 3,239 |
| Net interest margin | 3.5186% | 5,079 |
| Noninterest income to average assets | 0.5360% | 3,613 |
| Noninterest expense to average assets | 2.4455% | 5,647 |
| Loan and lease loss provision to assets | 0.0381% | 6,096 |
| Net operating income to assets | 1.3326% | 1,173 |
| Return on assets (ROA) | 1.3326% | 1,260 |
| Pretax return on assets | 1.3765% | 1,854 |
| Return on Equity (ROE) | 10.6737% | 1,810 |
| Retained earnings to average equity (ytd only) | 2.8854% | 4,191 |
| Net charge-offs to loans | -0.0049% | 6,837 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3536% | 5,238 |
| Assets per employee ($millions) | 5.7612% | 1,400 |
| Cash dividends to net income (ytd only)* | 72.9670% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 4,448 |
| Loan loss allowance to noncurrent loans | 9,900.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 6,651 |
| Noncurrent loans to loans | 0.0142% | 6,804 |
| Net loans and leases to total assets | 60.4247% | 3,911 |
| Net loans and leases to deposits | 70.1495% | 4,070 |
| Net loans and leases to core deposits | 72.3109% | 4,471 |
| Total domestic deposits to total assets | 86.1371% | 3,236 |
| Equity capital to assets | 12.3702% | 1,873 |
| Core capital (leverage) ratio | 11.9535% | 1,620 |
| Tier 1 risk-based capital ratio | 19.4986% | 1,760 |
| Total risk-based capital ratio | 20.7521% | 1,723 |
| Memoranda: | ||
| Average total assets | $34,143,800 | 6,855 |
| Average earning assets | $32,257,000 | 6,800 |
| Average equity | $4,262,800 | 6,670 |
| Average total loans | $20,411,200 | 6,641 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 5,118 |
| Cost of funding earning assets | 1.0460% | 3,349 |
| Net interest margin | 3.4948% | 5,215 |
| Noninterest income to average assets | 0.5601% | 3,447 |
| Noninterest expense to average assets | 2.4247% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3749% | 1,211 |
| Return on assets (ROA) | 1.3749% | 1,292 |
| Pretax return on assets | 1.4337% | 1,836 |
| Return on Equity (ROE) | 10.9870% | 1,868 |
| Retained earnings to average equity (ytd only) | 8.6705% | 1,259 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8426% | 5,269 |
| Assets per employee ($millions) | 5.7222% | 1,412 |
| Cash dividends to net income (ytd only)* | 21.0816% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 6,769 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.1511% | 3,912 |
| Net loans and leases to deposits | 71.6993% | 4,029 |
| Net loans and leases to core deposits | 73.9469% | 4,450 |
| Total domestic deposits to total assets | 85.2882% | 3,625 |
| Equity capital to assets | 12.9584% | 1,635 |
| Core capital (leverage) ratio | 12.4243% | 1,466 |
| Tier 1 risk-based capital ratio | 20.1120% | 1,659 |
| Total risk-based capital ratio | 21.3632% | 1,627 |
| Memoranda: | ||
| Average total assets | $34,038,000 | 6,922 |
| Average earning assets | $32,122,750 | 6,864 |
| Average equity | $4,259,500 | 6,722 |
| Average total loans | $20,218,000 | 6,713 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 5,395 |
| Cost of funding earning assets | 1.0656% | 3,506 |
| Net interest margin | 3.4212% | 5,472 |
| Noninterest income to average assets | 0.5539% | 3,448 |
| Noninterest expense to average assets | 2.4396% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2964% | 1,331 |
| Return on assets (ROA) | 1.2964% | 1,403 |
| Pretax return on assets | 1.3495% | 1,964 |
| Return on Equity (ROE) | 10.4854% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.9585% | 1,898 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3857% | 5,169 |
| Assets per employee ($millions) | 5.6502% | 1,443 |
| Cash dividends to net income (ytd only)* | 33.6364% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,647 |
| Loan loss allowance to noncurrent loans | 28,300.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 6,801 |
| Noncurrent loans to loans | 0.0049% | 7,007 |
| Net loans and leases to total assets | 59.4555% | 4,389 |
| Net loans and leases to deposits | 69.4053% | 4,510 |
| Net loans and leases to core deposits | 71.5996% | 4,865 |
| Total domestic deposits to total assets | 85.6641% | 3,511 |
| Equity capital to assets | 12.6899% | 1,685 |
| Core capital (leverage) ratio | 12.2698% | 1,471 |
| Tier 1 risk-based capital ratio | 20.2384% | 1,562 |
| Total risk-based capital ratio | 21.4884% | 1,539 |
| Memoranda: | ||
| Average total assets | $33,939,670 | 6,989 |
| Average earning assets | $32,094,330 | 6,932 |
| Average equity | $4,196,330 | 6,788 |
| Average total loans | $19,864,670 | 6,800 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 5,576 |
| Cost of funding earning assets | 1.0926% | 3,572 |
| Net interest margin | 3.3400% | 5,644 |
| Noninterest income to average assets | 0.5654% | 3,401 |
| Noninterest expense to average assets | 2.4147% | 5,840 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2721% | 1,339 |
| Return on assets (ROA) | 1.2721% | 1,390 |
| Pretax return on assets | 1.3192% | 1,982 |
| Return on Equity (ROE) | 10.4260% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.4260% | 1,016 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6688% | 5,247 |
| Assets per employee ($millions) | 5.6493% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 4,320 |
| Loan loss allowance to noncurrent loans | 14,150.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 6,865 |
| Noncurrent loans to loans | 0.0104% | 7,049 |
| Net loans and leases to total assets | 55.7411% | 5,039 |
| Net loans and leases to deposits | 64.7854% | 5,157 |
| Net loans and leases to core deposits | 66.8246% | 5,428 |
| Total domestic deposits to total assets | 86.0397% | 3,507 |
| Equity capital to assets | 12.3849% | 1,691 |
| Core capital (leverage) ratio | 12.2670% | 1,423 |
| Tier 1 risk-based capital ratio | 21.3329% | 1,335 |
| Total risk-based capital ratio | 22.5853% | 1,312 |
| Memoranda: | ||
| Average total assets | $33,959,000 | 7,038 |
| Average earning assets | $32,216,000 | 6,981 |
| Average equity | $4,143,500 | 6,834 |
| Average total loans | $19,577,500 | 6,866 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 5,504 |
| Cost of funding earning assets | 1.3515% | 3,561 |
| Net interest margin | 3.4241% | 5,532 |
| Noninterest income to average assets | 0.5337% | 3,929 |
| Noninterest expense to average assets | 2.4914% | 5,832 |
| Loan and lease loss provision to assets | 0.1769% | 5,457 |
| Net operating income to assets | 1.0673% | 1,817 |
| Return on assets (ROA) | 1.0673% | 1,904 |
| Pretax return on assets | 1.0998% | 2,579 |
| Return on Equity (ROE) | 8.6586% | 2,442 |
| Retained earnings to average equity (ytd only) | 1.9613% | 4,496 |
| Net charge-offs to loans | 0.0310% | 6,495 |
| Credit loss provision to net charge-offs | 1,000.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 72.1667% | 331 |
| Efficiency ratio | 66.1189% | 4,946 |
| Assets per employee ($millions) | 5.6703% | 1,446 |
| Cash dividends to net income (ytd only)* | 77.3481% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,442 |
| Loan loss allowance to noncurrent loans | 7,075.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 6,925 |
| Noncurrent loans to loans | 0.0200% | 7,093 |
| Net loans and leases to total assets | 57.8890% | 5,044 |
| Net loans and leases to deposits | 66.9147% | 5,267 |
| Net loans and leases to core deposits | 69.0012% | 5,554 |
| Total domestic deposits to total assets | 86.5117% | 3,071 |
| Equity capital to assets | 12.0187% | 1,901 |
| Core capital (leverage) ratio | 12.0123% | 1,543 |
| Tier 1 risk-based capital ratio | 20.0418% | 1,480 |
| Total risk-based capital ratio | 21.2950% | 1,451 |
| Memoranda: | ||
| Average total assets | $33,916,000 | 7,079 |
| Average earning assets | $32,037,400 | 7,019 |
| Average equity | $4,180,800 | 6,930 |
| Average total loans | $19,384,800 | 6,956 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 5,506 |
| Cost of funding earning assets | 1.4121% | 3,506 |
| Net interest margin | 3.4300% | 5,571 |
| Noninterest income to average assets | 0.5508% | 3,781 |
| Noninterest expense to average assets | 2.4786% | 5,792 |
| Loan and lease loss provision to assets | 0.2361% | 4,712 |
| Net operating income to assets | 1.0268% | 2,144 |
| Return on assets (ROA) | 1.0268% | 2,255 |
| Pretax return on assets | 1.0662% | 2,946 |
| Return on Equity (ROE) | 8.2781% | 2,802 |
| Retained earnings to average equity (ytd only) | 7.0095% | 1,841 |
| Net charge-offs to loans | 0.0416% | 6,126 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 55.1650% | 528 |
| Efficiency ratio | 65.5567% | 4,953 |
| Assets per employee ($millions) | 5.5240% | 1,606 |
| Cash dividends to net income (ytd only)* | 15.3252% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 4,162 |
| Loan loss allowance to noncurrent loans | 5,660.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 6,575 |
| Noncurrent loans to loans | 0.0258% | 7,195 |
| Net loans and leases to total assets | 57.6726% | 5,305 |
| Net loans and leases to deposits | 67.6398% | 5,471 |
| Net loans and leases to core deposits | 70.5090% | 5,698 |
| Total domestic deposits to total assets | 85.2643% | 3,484 |
| Equity capital to assets | 12.9827% | 1,580 |
| Core capital (leverage) ratio | 12.4738% | 1,421 |
| Tier 1 risk-based capital ratio | 21.0739% | 1,345 |
| Total risk-based capital ratio | 22.3278% | 1,322 |
| Memoranda: | ||
| Average total assets | $33,889,500 | 7,165 |
| Average earning assets | $31,913,500 | 7,103 |
| Average equity | $4,203,750 | 7,006 |
| Average total loans | $19,236,500 | 7,060 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 5,530 |
| Cost of funding earning assets | 1.4450% | 3,591 |
| Net interest margin | 3.4258% | 5,530 |
| Noninterest income to average assets | 0.5214% | 3,945 |
| Noninterest expense to average assets | 2.4547% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2420% | 1,447 |
| Return on assets (ROA) | 1.2420% | 1,508 |
| Pretax return on assets | 1.2889% | 2,126 |
| Return on Equity (ROE) | 10.1662% | 2,040 |
| Retained earnings to average equity (ytd only) | 8.2481% | 1,353 |
| Net charge-offs to loans | 0.0521% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 668 |
| Efficiency ratio | 65.5712% | 5,055 |
| Assets per employee ($millions) | 5.6957% | 1,447 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 5,615 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 6,612 |
| Noncurrent loans to loans | 0.0417% | 7,212 |
| Net loans and leases to total assets | 55.4574% | 5,789 |
| Net loans and leases to deposits | 64.4933% | 5,978 |
| Net loans and leases to core deposits | 67.1105% | 6,138 |
| Total domestic deposits to total assets | 85.9893% | 3,097 |
| Equity capital to assets | 12.4188% | 1,855 |
| Core capital (leverage) ratio | 12.0802% | 1,601 |
| Tier 1 risk-based capital ratio | 20.8959% | 1,355 |
| Total risk-based capital ratio | 22.0323% | 1,351 |
| Memoranda: | ||
| Average total assets | $34,138,000 | 7,208 |
| Average earning assets | $32,109,670 | 7,151 |
| Average equity | $4,170,670 | 7,052 |
| Average total loans | $19,182,670 | 7,114 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 5,247 |
| Cost of funding earning assets | 1.4951% | 3,593 |
| Net interest margin | 3.4511% | 5,368 |
| Noninterest income to average assets | 0.5041% | 4,023 |
| Noninterest expense to average assets | 2.3798% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3247% | 1,235 |
| Return on assets (ROA) | 1.3247% | 1,309 |
| Pretax return on assets | 1.3716% | 1,851 |
| Return on Equity (ROE) | 10.9337% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.9337% | 932 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4375% | 5,597 |
| Assets per employee ($millions) | 5.7292% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,529 |
| Loan loss allowance to noncurrent loans | 2,544.4444% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 6,595 |
| Noncurrent loans to loans | 0.0470% | 7,293 |
| Net loans and leases to total assets | 55.0749% | 5,877 |
| Net loans and leases to deposits | 63.7849% | 6,072 |
| Net loans and leases to core deposits | 66.3419% | 6,257 |
| Total domestic deposits to total assets | 86.3447% | 2,965 |
| Equity capital to assets | 12.1513% | 1,955 |
| Core capital (leverage) ratio | 11.9921% | 1,655 |
| Tier 1 risk-based capital ratio | 20.9104% | 1,354 |
| Total risk-based capital ratio | 22.0895% | 1,340 |
| Memoranda: | ||
| Average total assets | $34,120,000 | 7,299 |
| Average earning assets | $32,105,500 | 7,248 |
| Average equity | $4,134,000 | 7,131 |
| Average total loans | $19,186,000 | 7,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 4,835 |
| Cost of funding earning assets | 1.8134% | 3,922 |
| Net interest margin | 3.5579% | 4,706 |
| Noninterest income to average assets | 0.5998% | 3,633 |
| Noninterest expense to average assets | 2.3429% | 6,621 |
| Loan and lease loss provision to assets | 0.8273% | 2,655 |
| Net operating income to assets | 0.7682% | 2,645 |
| Return on assets (ROA) | 0.7682% | 2,737 |
| Pretax return on assets | 0.7859% | 3,291 |
| Return on Equity (ROE) | 6.3682% | 3,046 |
| Retained earnings to average equity (ytd only) | 2.4003% | 3,447 |
| Net charge-offs to loans | 1.4831% | 1,688 |
| Credit loss provision to net charge-offs | 100.3584% | 5,494 |
| Earnings coverage of net charge-offs (x) | 1.9570% | 4,257 |
| Efficiency ratio | 59.2233% | 6,590 |
| Assets per employee ($millions) | 5.6442% | 1,518 |
| Cash dividends to net income (ytd only)* | 62.3077% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 5,416 |
| Loan loss allowance to noncurrent loans | 487.2340% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 6,284 |
| Noncurrent loans to loans | 0.2447% | 6,816 |
| Net loans and leases to total assets | 56.0520% | 5,945 |
| Net loans and leases to deposits | 64.8359% | 6,175 |
| Net loans and leases to core deposits | 73.9549% | 6,533 |
| Total domestic deposits to total assets | 86.4521% | 2,788 |
| Equity capital to assets | 12.0803% | 1,988 |
| Core capital (leverage) ratio | 11.7256% | 1,799 |
| Tier 1 risk-based capital ratio | 19.8992% | 1,478 |
| Total risk-based capital ratio | 21.0534% | 1,457 |
| Memoranda: | ||
| Average total assets | $33,846,400 | 7,330 |
| Average earning assets | $31,929,200 | 7,268 |
| Average equity | $4,082,800 | 7,253 |
| Average total loans | $18,811,400 | 7,268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 4,876 |
| Cost of funding earning assets | 1.8675% | 4,059 |
| Net interest margin | 3.5475% | 4,680 |
| Noninterest income to average assets | 0.5476% | 4,102 |
| Noninterest expense to average assets | 2.1708% | 7,048 |
| Loan and lease loss provision to assets | 1.1031% | 1,771 |
| Net operating income to assets | 0.6067% | 3,589 |
| Return on assets (ROA) | 0.6067% | 3,638 |
| Pretax return on assets | 0.6264% | 4,101 |
| Return on Equity (ROE) | 5.0317% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.8682% | 2,572 |
| Net charge-offs to loans | 1.9880% | 992 |
| Credit loss provision to net charge-offs | 100.3584% | 5,058 |
| Earnings coverage of net charge-offs (x) | 1.5735% | 4,614 |
| Efficiency ratio | 55.6566% | 7,049 |
| Assets per employee ($millions) | 5.5372% | 1,582 |
| Cash dividends to net income (ytd only)* | 3.2484% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 5,247 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 6,053 |
| Noncurrent loans to loans | 0.3925% | 6,557 |
| Net loans and leases to total assets | 57.6017% | 5,953 |
| Net loans and leases to deposits | 67.0909% | 6,202 |
| Net loans and leases to core deposits | 77.0628% | 6,555 |
| Total domestic deposits to total assets | 85.8562% | 2,773 |
| Equity capital to assets | 12.6117% | 1,877 |
| Core capital (leverage) ratio | 11.9225% | 1,838 |
| Tier 1 risk-based capital ratio | 20.1816% | 1,522 |
| Total risk-based capital ratio | 21.3370% | 1,489 |
| Memoranda: | ||
| Average total assets | $33,841,750 | 7,388 |
| Average earning assets | $31,984,500 | 7,329 |
| Average equity | $4,080,750 | 7,324 |
| Average total loans | $18,711,500 | 7,340 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3994% | 5,155 |
| Cost of funding earning assets | 1.9075% | 4,223 |
| Net interest margin | 3.4919% | 4,840 |
| Noninterest income to average assets | 0.5169% | 4,295 |
| Noninterest expense to average assets | 2.1617% | 7,146 |
| Loan and lease loss provision to assets | 1.6447% | 1,016 |
| Net operating income to assets | 0.0117% | 5,802 |
| Return on assets (ROA) | 0.0117% | 5,880 |
| Pretax return on assets | 0.0117% | 5,841 |
| Return on Equity (ROE) | 0.0989% | 5,888 |
| Retained earnings to average equity (ytd only) | -0.1484% | 5,254 |
| Net charge-offs to loans | 3.0281% | 541 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.0071% | 4,778 |
| Efficiency ratio | 56.6154% | 7,036 |
| Assets per employee ($millions) | 5.7023% | 1,417 |
| Cash dividends to net income (ytd only)* | 250.0000% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,838 |
| Loan loss allowance to noncurrent loans | 281.4815% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 6,025 |
| Noncurrent loans to loans | 0.4314% | 6,439 |
| Net loans and leases to total assets | 54.2059% | 6,420 |
| Net loans and leases to deposits | 62.5223% | 6,700 |
| Net loans and leases to core deposits | 71.9339% | 6,903 |
| Total domestic deposits to total assets | 86.6984% | 2,407 |
| Equity capital to assets | 11.8022% | 2,325 |
| Core capital (leverage) ratio | 11.2835% | 2,210 |
| Tier 1 risk-based capital ratio | 19.3678% | 1,706 |
| Total risk-based capital ratio | 20.5154% | 1,685 |
| Memoranda: | ||
| Average total assets | $34,048,000 | 7,449 |
| Average earning assets | $32,188,670 | 7,390 |
| Average equity | $4,044,330 | 7,395 |
| Average total loans | $18,493,670 | 7,422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 4,982 |
| Cost of funding earning assets | 1.9826% | 4,220 |
| Net interest margin | 3.5039% | 4,718 |
| Noninterest income to average assets | 0.4828% | 4,479 |
| Noninterest expense to average assets | 2.0492% | 7,235 |
| Loan and lease loss provision to assets | 3.2975% | 322 |
| Net operating income to assets | -1.5545% | 7,521 |
| Return on assets (ROA) | -1.5545% | 7,522 |
| Pretax return on assets | -1.5545% | 7,388 |
| Return on Equity (ROE) | -13.0451% | 7,523 |
| Retained earnings to average equity (ytd only) | -13.0451% | 7,328 |
| Net charge-offs to loans | 6.1678% | 150 |
| Credit loss provision to net charge-offs | 98.9399% | 3,826 |
| Earnings coverage of net charge-offs (x) | 0.5230% | 4,573 |
| Efficiency ratio | 54.0373% | 7,213 |
| Assets per employee ($millions) | 5.6695% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,536 |
| Loan loss allowance to noncurrent loans | 116.5803% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 5,769 |
| Noncurrent loans to loans | 1.0617% | 4,857 |
| Net loans and leases to total assets | 52.7795% | 6,611 |
| Net loans and leases to deposits | 60.7704% | 6,827 |
| Net loans and leases to core deposits | 69.8926% | 7,026 |
| Total domestic deposits to total assets | 86.8507% | 2,296 |
| Equity capital to assets | 11.6853% | 2,459 |
| Core capital (leverage) ratio | 11.1374% | 2,388 |
| Tier 1 risk-based capital ratio | 19.1810% | 1,775 |
| Total risk-based capital ratio | 20.3414% | 1,757 |
| Memoranda: | ||
| Average total assets | $33,965,000 | 7,493 |
| Average earning assets | $32,078,500 | 7,437 |
| Average equity | $4,047,500 | 7,438 |
| Average total loans | $18,353,500 | 7,467 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1091% | 4,993 |
| Cost of funding earning assets | 2.5344% | 4,026 |
| Net interest margin | 3.5747% | 4,993 |
| Noninterest income to average assets | 0.4922% | 4,665 |
| Noninterest expense to average assets | 2.3211% | 6,637 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4644% | 1,089 |
| Return on assets (ROA) | 1.4644% | 1,051 |
| Pretax return on assets | 1.5221% | 1,616 |
| Return on Equity (ROE) | 12.0778% | 1,569 |
| Retained earnings to average equity (ytd only) | 4.3350% | 2,424 |
| Net charge-offs to loans | 0.1243% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 21.7826% | 1,510 |
| Efficiency ratio | 60.3953% | 6,277 |
| Assets per employee ($millions) | 5.6522% | 1,352 |
| Cash dividends to net income (ytd only)* | 64.1079% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 4,308 |
| Loan loss allowance to noncurrent loans | 213.0841% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 6,346 |
| Noncurrent loans to loans | 0.5775% | 5,633 |
| Net loans and leases to total assets | 53.9616% | 6,658 |
| Net loans and leases to deposits | 62.4573% | 6,912 |
| Net loans and leases to core deposits | 71.4007% | 7,115 |
| Total domestic deposits to total assets | 86.3975% | 2,218 |
| Equity capital to assets | 12.1487% | 2,191 |
| Core capital (leverage) ratio | 11.3989% | 2,314 |
| Tier 1 risk-based capital ratio | 19.6309% | 1,679 |
| Total risk-based capital ratio | 20.7932% | 1,655 |
| Memoranda: | ||
| Average total assets | $32,914,800 | 7,515 |
| Average earning assets | $30,855,800 | 7,467 |
| Average equity | $3,990,800 | 7,514 |
| Average total loans | $18,502,800 | 7,431 |