Home > Bank of Mead > Performance and Condition Ratios
Bank of Mead, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 4,217 |
| Cost of funding earning assets | 1.2806% | 3,630 |
| Net interest margin | 2.8356% | 3,652 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 1.9197% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7334% | 3,026 |
| Return on assets (ROA) | 0.7334% | 3,028 |
| Pretax return on assets | 0.8951% | 2,975 |
| Return on Equity (ROE) | 7.6200% | 2,964 |
| Retained earnings to average equity (ytd only) | 7.6180% | 1,806 |
| Net charge-offs to loans | -0.0247% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.1992% | 2,019 |
| Assets per employee ($millions) | 7.6908% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0122% | 150 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 40.4400% | 3,962 |
| Net loans and leases to deposits | 44.8081% | 4,025 |
| Net loans and leases to core deposits | 44.8081% | 4,083 |
| Total domestic deposits to total assets | 90.2600% | 737 |
| Equity capital to assets | 9.4399% | 2,624 |
| Core capital (leverage) ratio | 10.0315% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $37,089,500 | 4,307 |
| Average earning assets | $34,983,500 | 4,276 |
| Average equity | $3,570,500 | 4,320 |
| Average total loans | $16,196,500 | 4,248 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 4,276 |
| Cost of funding earning assets | 1.2112% | 3,797 |
| Net interest margin | 2.7986% | 3,489 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 1.9319% | 3,731 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.7112% | 2,944 |
| Return on assets (ROA) | 0.7112% | 2,972 |
| Pretax return on assets | 0.8960% | 2,814 |
| Return on Equity (ROE) | 7.2700% | 2,945 |
| Retained earnings to average equity (ytd only) | 2.9770% | 3,050 |
| Net charge-offs to loans | 0.0252% | 2,068 |
| Credit loss provision to net charge-offs | 25.0000% | 2,445 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 928 |
| Efficiency ratio | 68.1818% | 2,228 |
| Assets per employee ($millions) | 7.1450% | 2,073 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9099% | 160 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 44.4600% | 3,871 |
| Net loans and leases to deposits | 49.4551% | 3,933 |
| Net loans and leases to core deposits | 49.4551% | 4,028 |
| Total domestic deposits to total assets | 89.8900% | 855 |
| Equity capital to assets | 9.8279% | 2,234 |
| Core capital (leverage) ratio | 10.2784% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $35,715,400 | 4,335 |
| Average earning assets | $34,017,200 | 4,301 |
| Average equity | $3,493,400 | 4,335 |
| Average total loans | $15,901,800 | 4,266 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 4,323 |
| Cost of funding earning assets | 1.1937% | 3,828 |
| Net interest margin | 2.7396% | 3,541 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 1.8891% | 3,773 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.7131% | 2,954 |
| Return on assets (ROA) | 0.7131% | 2,974 |
| Pretax return on assets | 0.8811% | 2,849 |
| Return on Equity (ROE) | 7.3000% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.2989% | 1,638 |
| Net charge-offs to loans | 0.0422% | 1,512 |
| Credit loss provision to net charge-offs | -140.0000% | 4,413 |
| Earnings coverage of net charge-offs (x) | 47.8000% | 1,226 |
| Efficiency ratio | 67.9195% | 2,277 |
| Assets per employee ($millions) | 7.2952% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8228% | 171 |
| 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 | 44.0800% | 3,893 |
| Net loans and leases to deposits | 49.1426% | 3,979 |
| Net loans and leases to core deposits | 49.1426% | 4,067 |
| Total domestic deposits to total assets | 89.6900% | 675 |
| Equity capital to assets | 10.0121% | 2,289 |
| Core capital (leverage) ratio | 10.5693% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $35,713,000 | 4,359 |
| Average earning assets | $34,067,000 | 4,330 |
| Average equity | $3,489,000 | 4,362 |
| Average total loans | $15,787,750 | 4,287 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 4,354 |
| Cost of funding earning assets | 1.1517% | 3,852 |
| Net interest margin | 2.7169% | 3,557 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 1.9290% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6994% | 2,943 |
| Return on assets (ROA) | 0.6994% | 2,964 |
| Pretax return on assets | 0.8348% | 2,917 |
| Return on Equity (ROE) | 7.2200% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.2205% | 1,589 |
| Net charge-offs to loans | 0.0644% | 1,124 |
| Credit loss provision to net charge-offs | -240.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | 29.6000% | 1,396 |
| Efficiency ratio | 69.7959% | 2,144 |
| Assets per employee ($millions) | 7.2538% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8953% | 165 |
| 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 | 42.7200% | 3,953 |
| Net loans and leases to deposits | 47.4303% | 4,035 |
| Net loans and leases to core deposits | 47.4303% | 4,104 |
| Total domestic deposits to total assets | 90.0700% | 679 |
| Equity capital to assets | 9.6667% | 2,290 |
| Core capital (leverage) ratio | 10.2678% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $35,458,667 | 4,383 |
| Average earning assets | $33,862,667 | 4,351 |
| Average equity | $3,434,667 | 4,377 |
| Average total loans | $15,535,667 | 4,311 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,401 |
| Cost of funding earning assets | 1.1112% | 3,862 |
| Net interest margin | 2.6286% | 3,681 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 1.9741% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5820% | 3,193 |
| Return on assets (ROA) | 0.5820% | 3,220 |
| Pretax return on assets | 0.7075% | 3,139 |
| Return on Equity (ROE) | 6.0000% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.0018% | 2,112 |
| Net charge-offs to loans | 0.1566% | 539 |
| Credit loss provision to net charge-offs | -100.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,624 |
| Efficiency ratio | 73.6170% | 1,779 |
| Assets per employee ($millions) | 7.0832% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0720% | 109 |
| 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 | 41.6100% | 3,975 |
| Net loans and leases to deposits | 46.1956% | 4,036 |
| Net loans and leases to core deposits | 46.1956% | 4,159 |
| Total domestic deposits to total assets | 90.0600% | 772 |
| Equity capital to assets | 9.6567% | 2,224 |
| Core capital (leverage) ratio | 10.4915% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $35,053,500 | 4,415 |
| Average earning assets | $33,478,500 | 4,380 |
| Average equity | $3,399,000 | 4,402 |
| Average total loans | $15,325,000 | 4,339 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,360 |
| Cost of funding earning assets | 0.8336% | 3,654 |
| Net interest margin | 2.7474% | 3,754 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.9991% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6462% | 3,317 |
| Return on assets (ROA) | 0.6462% | 3,297 |
| Pretax return on assets | 0.8135% | 3,179 |
| Return on Equity (ROE) | 6.6800% | 3,369 |
| Retained earnings to average equity (ytd only) | 2.2058% | 3,534 |
| Net charge-offs to loans | -0.0068% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.0769% | 1,751 |
| Assets per employee ($millions) | 6.9382% | 2,113 |
| Cash dividends to net income (ytd only)* | 66.9643% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1007% | 108 |
| 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 | 43.1500% | 3,929 |
| Net loans and leases to deposits | 50.5846% | 3,935 |
| Net loans and leases to core deposits | 50.5846% | 4,072 |
| Total domestic deposits to total assets | 85.3000% | 2,210 |
| Equity capital to assets | 9.7374% | 2,169 |
| Core capital (leverage) ratio | 10.3914% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $34,665,400 | 4,434 |
| Average earning assets | $33,231,200 | 4,393 |
| Average equity | $3,354,800 | 4,401 |
| Average total loans | $14,670,400 | 4,357 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 4,370 |
| Cost of funding earning assets | 0.7424% | 3,669 |
| Net interest margin | 2.7810% | 3,758 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.9850% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6809% | 3,366 |
| Return on assets (ROA) | 0.6809% | 3,353 |
| Pretax return on assets | 0.8579% | 3,197 |
| Return on Equity (ROE) | 7.0500% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.0467% | 2,266 |
| Net charge-offs to loans | -0.0092% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.8241% | 1,804 |
| Assets per employee ($millions) | 6.8426% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1568% | 108 |
| 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 | 42.7700% | 3,959 |
| Net loans and leases to deposits | 47.6428% | 4,018 |
| Net loans and leases to core deposits | 47.6428% | 4,090 |
| Total domestic deposits to total assets | 89.7700% | 999 |
| Equity capital to assets | 9.9582% | 1,856 |
| Core capital (leverage) ratio | 10.6306% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $34,659,000 | 4,452 |
| Average earning assets | $33,224,500 | 4,416 |
| Average equity | $3,349,000 | 4,419 |
| Average total loans | $14,476,000 | 4,379 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 4,398 |
| Cost of funding earning assets | 0.6421% | 3,651 |
| Net interest margin | 2.7963% | 3,827 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.9881% | 3,625 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.6723% | 3,403 |
| Return on assets (ROA) | 0.6723% | 3,406 |
| Pretax return on assets | 0.8676% | 3,242 |
| Return on Equity (ROE) | 7.0300% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.0277% | 2,272 |
| Net charge-offs to loans | -0.0140% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.4779% | 1,812 |
| Assets per employee ($millions) | 6.8532% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3861% | 100 |
| 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 | 39.5500% | 4,055 |
| Net loans and leases to deposits | 43.9761% | 4,097 |
| Net loans and leases to core deposits | 43.9761% | 4,177 |
| Total domestic deposits to total assets | 89.9400% | 932 |
| Equity capital to assets | 9.8407% | 1,948 |
| Core capital (leverage) ratio | 10.3866% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $34,807,667 | 4,480 |
| Average earning assets | $33,329,667 | 4,438 |
| Average equity | $3,329,667 | 4,450 |
| Average total loans | $14,264,667 | 4,403 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 4,381 |
| Cost of funding earning assets | 0.5584% | 3,507 |
| Net interest margin | 2.8277% | 3,910 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.9499% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7526% | 3,339 |
| Return on assets (ROA) | 0.7526% | 3,291 |
| Pretax return on assets | 0.9464% | 3,135 |
| Return on Equity (ROE) | 7.9800% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.9794% | 2,223 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3228% | 2,059 |
| Assets per employee ($millions) | 7.0824% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5568% | 84 |
| 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 | 36.6800% | 4,163 |
| Net loans and leases to deposits | 40.5938% | 4,207 |
| Net loans and leases to core deposits | 40.5938% | 4,257 |
| Total domestic deposits to total assets | 90.3500% | 1,028 |
| Equity capital to assets | 9.5137% | 2,133 |
| Core capital (leverage) ratio | 10.0738% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $35,078,500 | 4,543 |
| Average earning assets | $33,667,000 | 4,504 |
| Average equity | $3,308,500 | 4,513 |
| Average total loans | $14,383,000 | 4,464 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1423% | 3,919 |
| Cost of funding earning assets | 0.2820% | 3,020 |
| Net interest margin | 2.8603% | 3,768 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.9760% | 3,650 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7542% | 3,473 |
| Return on assets (ROA) | 0.7542% | 3,413 |
| Pretax return on assets | 0.9559% | 3,205 |
| Return on Equity (ROE) | 7.7300% | 3,452 |
| Retained earnings to average equity (ytd only) | 3.2364% | 3,651 |
| Net charge-offs to loans | -0.0068% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.1301% | 2,071 |
| Assets per employee ($millions) | 6.9490% | 2,010 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2617% | 99 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.6000% | 3,951 |
| Net loans and leases to deposits | 49.1498% | 3,929 |
| Net loans and leases to core deposits | 49.1498% | 4,011 |
| Total domestic deposits to total assets | 86.6700% | 2,508 |
| Equity capital to assets | 9.3481% | 2,114 |
| Core capital (leverage) ratio | 10.0340% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $34,210,000 | 4,584 |
| Average earning assets | $32,619,400 | 4,543 |
| Average equity | $3,337,000 | 4,587 |
| Average total loans | $14,783,000 | 4,486 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 3,716 |
| Cost of funding earning assets | 0.2387% | 2,833 |
| Net interest margin | 2.8442% | 3,640 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.9524% | 3,620 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7904% | 3,303 |
| Return on assets (ROA) | 0.7904% | 3,250 |
| Pretax return on assets | 0.9586% | 3,146 |
| Return on Equity (ROE) | 8.0200% | 3,324 |
| Retained earnings to average equity (ytd only) | 8.0175% | 1,992 |
| Net charge-offs to loans | -0.0364% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.7112% | 2,192 |
| Assets per employee ($millions) | 6.9498% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3291% | 97 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 41.9500% | 3,990 |
| Net loans and leases to deposits | 46.4236% | 4,006 |
| Net loans and leases to core deposits | 46.4236% | 4,086 |
| Total domestic deposits to total assets | 90.3600% | 1,498 |
| Equity capital to assets | 9.5801% | 1,837 |
| Core capital (leverage) ratio | 10.4059% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $34,076,250 | 4,619 |
| Average earning assets | $32,392,500 | 4,584 |
| Average equity | $3,359,250 | 4,627 |
| Average total loans | $14,654,000 | 4,521 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 3,518 |
| Cost of funding earning assets | 0.2363% | 2,433 |
| Net interest margin | 2.7799% | 3,499 |
| Noninterest income to average assets | 0.2304% | 3,806 |
| Noninterest expense to average assets | 1.9319% | 3,628 |
| Loan and lease loss provision to assets | 0.0236% | 2,174 |
| Net operating income to assets | 0.7572% | 3,119 |
| Return on assets (ROA) | 0.7621% | 3,064 |
| Pretax return on assets | 0.9217% | 2,987 |
| Return on Equity (ROE) | 7.6573% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.6573% | 1,746 |
| Net charge-offs to loans | -0.0413% | 4,160 |
| Credit loss provision to net charge-offs | -133.3333% | 3,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2840% | 2,345 |
| Assets per employee ($millions) | 6.8452% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4203% | 99 |
| 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 | 41.3341% | 4,016 |
| Net loans and leases to deposits | 45.8633% | 4,033 |
| Net loans and leases to core deposits | 45.8633% | 4,127 |
| Total domestic deposits to total assets | 90.1245% | 1,664 |
| Equity capital to assets | 9.8200% | 1,809 |
| Core capital (leverage) ratio | 10.1915% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,852,000 | 4,657 |
| Average earning assets | $32,159,333 | 4,640 |
| Average equity | $3,369,333 | 4,670 |
| Average total loans | $14,512,333 | 4,587 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9959% | 3,271 |
| Cost of funding earning assets | 0.2507% | 2,150 |
| Net interest margin | 2.7452% | 3,297 |
| Noninterest income to average assets | 0.2495% | 3,651 |
| Noninterest expense to average assets | 1.9367% | 3,582 |
| Loan and lease loss provision to assets | 0.0356% | 1,718 |
| Net operating income to assets | 0.7367% | 2,901 |
| Return on assets (ROA) | 0.7367% | 2,892 |
| Pretax return on assets | 0.8793% | 2,860 |
| Return on Equity (ROE) | 7.3514% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.3514% | 1,784 |
| Net charge-offs to loans | -0.0277% | 4,050 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9167% | 2,518 |
| Assets per employee ($millions) | 7.0202% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5312% | 100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.7596% | 4,079 |
| Net loans and leases to deposits | 42.9559% | 4,119 |
| Net loans and leases to core deposits | 42.9559% | 4,207 |
| Total domestic deposits to total assets | 90.2310% | 1,423 |
| Equity capital to assets | 9.6835% | 2,149 |
| Core capital (leverage) ratio | 10.0084% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,665,000 | 4,684 |
| Average earning assets | $31,910,500 | 4,671 |
| Average equity | $3,373,500 | 4,699 |
| Average total loans | $14,444,500 | 4,613 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 1,336 |
| Cost of funding earning assets | 0.3126% | 2,267 |
| Net interest margin | 3.6987% | 1,216 |
| Noninterest income to average assets | 0.2179% | 4,058 |
| Noninterest expense to average assets | 2.2413% | 2,965 |
| Loan and lease loss provision to assets | 0.1188% | 1,053 |
| Net operating income to assets | 1.0886% | 2,339 |
| Return on assets (ROA) | 1.0365% | 2,601 |
| Pretax return on assets | 1.3071% | 2,332 |
| Return on Equity (ROE) | 9.1969% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.8035% | 2,860 |
| Net charge-offs to loans | -0.0197% | 3,969 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0354% | 3,141 |
| Assets per employee ($millions) | 6.4458% | 2,377 |
| Cash dividends to net income (ytd only)* | 47.7707% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3410% | 110 |
| 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 | 44.3452% | 3,818 |
| Net loans and leases to deposits | 49.6129% | 3,912 |
| Net loans and leases to core deposits | 49.6129% | 4,027 |
| Total domestic deposits to total assets | 89.3822% | 1,308 |
| Equity capital to assets | 10.3882% | 2,283 |
| Core capital (leverage) ratio | 10.7417% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,295,200 | 4,741 |
| Average earning assets | $28,794,200 | 4,720 |
| Average equity | $3,414,200 | 4,746 |
| Average total loans | $15,249,600 | 4,644 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 971 |
| Cost of funding earning assets | 0.3237% | 2,361 |
| Net interest margin | 3.9643% | 844 |
| Noninterest income to average assets | 0.2102% | 4,145 |
| Noninterest expense to average assets | 2.1959% | 3,082 |
| Loan and lease loss provision to assets | 0.1342% | 854 |
| Net operating income to assets | 1.2514% | 1,984 |
| Return on assets (ROA) | 1.1807% | 2,285 |
| Pretax return on assets | 1.5698% | 1,793 |
| Return on Equity (ROE) | 10.2599% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.2599% | 1,241 |
| Net charge-offs to loans | -0.0174% | 3,914 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0448% | 3,650 |
| Assets per employee ($millions) | 6.2502% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0546% | 145 |
| 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 | 49.4576% | 3,473 |
| Net loans and leases to deposits | 55.9635% | 3,582 |
| Net loans and leases to core deposits | 55.9635% | 3,770 |
| Total domestic deposits to total assets | 88.3748% | 1,632 |
| Equity capital to assets | 11.3084% | 1,806 |
| Core capital (leverage) ratio | 11.4926% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,811,750 | 4,815 |
| Average earning assets | $28,419,250 | 4,794 |
| Average equity | $3,430,750 | 4,817 |
| Average total loans | $15,365,500 | 4,710 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 492 |
| Cost of funding earning assets | 0.3419% | 2,386 |
| Net interest margin | 4.4232% | 403 |
| Noninterest income to average assets | 0.2046% | 4,179 |
| Noninterest expense to average assets | 2.2433% | 2,946 |
| Loan and lease loss provision to assets | 0.1636% | 710 |
| Net operating income to assets | 1.4987% | 1,298 |
| Return on assets (ROA) | 1.3910% | 1,658 |
| Pretax return on assets | 1.8955% | 1,028 |
| Return on Equity (ROE) | 12.0130% | 2,059 |
| Retained earnings to average equity (ytd only) | 12.0130% | 914 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5376% | 4,191 |
| Assets per employee ($millions) | 5.9890% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0556% | 145 |
| 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 | 50.7497% | 3,480 |
| Net loans and leases to deposits | 57.8074% | 3,562 |
| Net loans and leases to core deposits | 57.8074% | 3,770 |
| Total domestic deposits to total assets | 87.7910% | 1,937 |
| Equity capital to assets | 11.6146% | 1,563 |
| Core capital (leverage) ratio | 11.2556% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,332,000 | 4,852 |
| Average earning assets | $28,079,000 | 4,828 |
| Average equity | $3,396,333 | 4,853 |
| Average total loans | $15,173,000 | 4,752 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 455 |
| Cost of funding earning assets | 0.3626% | 2,423 |
| Net interest margin | 4.4818% | 367 |
| Noninterest income to average assets | 0.1929% | 4,232 |
| Noninterest expense to average assets | 2.2876% | 2,832 |
| Loan and lease loss provision to assets | 0.2481% | 432 |
| Net operating income to assets | 1.4332% | 1,489 |
| Return on assets (ROA) | 1.4332% | 1,561 |
| Pretax return on assets | 1.9156% | 1,090 |
| Return on Equity (ROE) | 12.3976% | 1,872 |
| Retained earnings to average equity (ytd only) | 12.3976% | 1,052 |
| Net charge-offs to loans | 0.0268% | 1,230 |
| Credit loss provision to net charge-offs | 1,800.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 472 |
| Efficiency ratio | 51.3932% | 4,053 |
| Assets per employee ($millions) | 5.9760% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0346% | 140 |
| 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 | 50.4752% | 3,583 |
| Net loans and leases to deposits | 57.0273% | 3,713 |
| Net loans and leases to core deposits | 57.0273% | 3,908 |
| Total domestic deposits to total assets | 88.5107% | 1,602 |
| Equity capital to assets | 11.2048% | 1,720 |
| Core capital (leverage) ratio | 11.5194% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,025,500 | 4,877 |
| Average earning assets | $27,578,500 | 4,856 |
| Average equity | $3,355,500 | 4,880 |
| Average total loans | $14,921,500 | 4,785 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 2,669 |
| Cost of funding earning assets | 0.4788% | 3,091 |
| Net interest margin | 3.5398% | 2,339 |
| Noninterest income to average assets | 0.2266% | 4,141 |
| Noninterest expense to average assets | 2.3666% | 3,219 |
| Loan and lease loss provision to assets | 0.1726% | 2,231 |
| Net operating income to assets | 0.8668% | 2,838 |
| Return on assets (ROA) | 0.8668% | 2,972 |
| Pretax return on assets | 1.0646% | 2,828 |
| Return on Equity (ROE) | 7.1471% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.6987% | 3,507 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6687% | 2,585 |
| Assets per employee ($millions) | 5.6342% | 2,702 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1843% | 124 |
| 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 | 49.1072% | 3,900 |
| Net loans and leases to deposits | 55.9469% | 4,002 |
| Net loans and leases to core deposits | 55.9469% | 4,154 |
| Total domestic deposits to total assets | 87.7747% | 1,577 |
| Equity capital to assets | 11.9378% | 1,605 |
| Core capital (leverage) ratio | 11.3077% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,803,800 | 4,891 |
| Average earning assets | $26,526,800 | 4,870 |
| Average equity | $3,372,000 | 4,890 |
| Average total loans | $15,569,000 | 4,797 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,610 |
| Cost of funding earning assets | 0.4984% | 3,233 |
| Net interest margin | 3.6248% | 2,176 |
| Noninterest income to average assets | 0.2358% | 4,085 |
| Noninterest expense to average assets | 2.3142% | 3,385 |
| Loan and lease loss provision to assets | 0.1876% | 2,106 |
| Net operating income to assets | 0.9430% | 2,549 |
| Return on assets (ROA) | 0.9430% | 2,679 |
| Pretax return on assets | 1.1980% | 2,397 |
| Return on Equity (ROE) | 7.7447% | 2,903 |
| Retained earnings to average equity (ytd only) | 7.7447% | 1,397 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5488% | 2,986 |
| Assets per employee ($millions) | 5.7674% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7606% | 175 |
| 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 | 54.4786% | 3,761 |
| Net loans and leases to deposits | 65.4311% | 3,666 |
| Net loans and leases to core deposits | 65.4311% | 3,927 |
| Total domestic deposits to total assets | 83.2611% | 3,076 |
| Equity capital to assets | 12.1892% | 1,578 |
| Core capital (leverage) ratio | 11.7701% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,712,000 | 4,923 |
| Average earning assets | $26,483,750 | 4,900 |
| Average equity | $3,374,250 | 4,917 |
| Average total loans | $15,889,000 | 4,820 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 2,593 |
| Cost of funding earning assets | 0.5349% | 3,321 |
| Net interest margin | 3.7211% | 2,092 |
| Noninterest income to average assets | 0.2268% | 4,128 |
| Noninterest expense to average assets | 2.3485% | 3,404 |
| Loan and lease loss provision to assets | 0.2195% | 1,900 |
| Net operating income to assets | 0.9657% | 2,441 |
| Return on assets (ROA) | 0.9657% | 2,570 |
| Pretax return on assets | 1.2218% | 2,287 |
| Return on Equity (ROE) | 7.9343% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.9343% | 1,327 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9691% | 3,131 |
| Assets per employee ($millions) | 5.7024% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6379% | 190 |
| 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 | 56.5692% | 3,641 |
| Net loans and leases to deposits | 67.9087% | 3,574 |
| Net loans and leases to core deposits | 67.9087% | 3,866 |
| Total domestic deposits to total assets | 83.3018% | 2,997 |
| Equity capital to assets | 12.1212% | 1,592 |
| Core capital (leverage) ratio | 11.8771% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,337,000 | 4,954 |
| Average earning assets | $26,175,000 | 4,934 |
| Average equity | $3,327,333 | 4,951 |
| Average total loans | $15,800,000 | 4,851 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 3,383 |
| Cost of funding earning assets | 0.6215% | 3,322 |
| Net interest margin | 3.5270% | 2,889 |
| Noninterest income to average assets | 0.2991% | 3,724 |
| Noninterest expense to average assets | 2.3926% | 3,551 |
| Loan and lease loss provision to assets | 0.1346% | 2,046 |
| Net operating income to assets | 0.9421% | 2,368 |
| Return on assets (ROA) | 0.9421% | 2,476 |
| Pretax return on assets | 1.1664% | 2,318 |
| Return on Equity (ROE) | 7.7230% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.7230% | 1,312 |
| Net charge-offs to loans | -0.0519% | 4,647 |
| Credit loss provision to net charge-offs | -450.0000% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7773% | 3,109 |
| Assets per employee ($millions) | 5.3056% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7486% | 188 |
| 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 | 55.7524% | 3,858 |
| Net loans and leases to deposits | 64.6755% | 3,941 |
| Net loans and leases to core deposits | 64.6755% | 4,142 |
| Total domestic deposits to total assets | 86.2033% | 1,919 |
| Equity capital to assets | 12.5716% | 1,690 |
| Core capital (leverage) ratio | 12.0234% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,749,500 | 5,001 |
| Average earning assets | $25,744,500 | 4,980 |
| Average equity | $3,263,000 | 5,003 |
| Average total loans | $15,417,000 | 4,893 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 3,944 |
| Cost of funding earning assets | 0.5957% | 3,660 |
| Net interest margin | 3.5476% | 3,294 |
| Noninterest income to average assets | 0.2713% | 4,052 |
| Noninterest expense to average assets | 2.3425% | 3,842 |
| Loan and lease loss provision to assets | 0.1246% | 1,704 |
| Net operating income to assets | 0.9788% | 2,916 |
| Return on assets (ROA) | 0.9788% | 2,993 |
| Pretax return on assets | 1.1878% | 2,880 |
| Return on Equity (ROE) | 8.5233% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.7349% | 3,118 |
| Net charge-offs to loans | -0.1215% | 4,983 |
| Credit loss provision to net charge-offs | -178.9474% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0923% | 3,059 |
| Assets per employee ($millions) | 5.3942% | 2,156 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6046% | 184 |
| 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 | 56.4273% | 3,893 |
| Net loans and leases to deposits | 66.8526% | 3,908 |
| Net loans and leases to core deposits | 67.8753% | 4,088 |
| Total domestic deposits to total assets | 84.4055% | 2,719 |
| Equity capital to assets | 11.8312% | 2,258 |
| Core capital (leverage) ratio | 11.5758% | 2,057 |
| Tier 1 risk-based capital ratio | 20.5105% | 1,247 |
| Total risk-based capital ratio | 21.7737% | 1,216 |
| Memoranda: | ||
| Average total assets | $27,278,400 | 5,054 |
| Average earning assets | $26,017,800 | 5,033 |
| Average equity | $3,132,600 | 5,065 |
| Average total loans | $15,641,400 | 4,954 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 4,106 |
| Cost of funding earning assets | 0.5785% | 3,783 |
| Net interest margin | 3.5429% | 3,428 |
| Noninterest income to average assets | 0.2681% | 4,135 |
| Noninterest expense to average assets | 2.2956% | 3,965 |
| Loan and lease loss provision to assets | 0.1316% | 1,465 |
| Net operating income to assets | 0.9358% | 3,215 |
| Return on assets (ROA) | 0.9358% | 3,286 |
| Pretax return on assets | 1.2136% | 2,941 |
| Return on Equity (ROE) | 8.2101% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.2101% | 1,315 |
| Net charge-offs to loans | -0.1449% | 5,062 |
| Credit loss provision to net charge-offs | -158.8235% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0522% | 3,152 |
| Assets per employee ($millions) | 5.4566% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 56.8926% | 3,974 |
| Net loans and leases to deposits | 64.9538% | 4,128 |
| Net loans and leases to core deposits | 65.8968% | 4,281 |
| Total domestic deposits to total assets | 87.5893% | 1,222 |
| Equity capital to assets | 12.0625% | 2,208 |
| Core capital (leverage) ratio | 11.8897% | 1,924 |
| Tier 1 risk-based capital ratio | 20.4309% | 1,301 |
| Total risk-based capital ratio | 21.6920% | 1,265 |
| Memoranda: | ||
| Average total assets | $27,355,250 | 5,130 |
| Average earning assets | $26,041,750 | 5,109 |
| Average equity | $3,118,000 | 5,142 |
| Average total loans | $15,645,250 | 5,032 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 4,306 |
| Cost of funding earning assets | 0.5372% | 3,943 |
| Net interest margin | 3.4994% | 3,598 |
| Noninterest income to average assets | 0.2776% | 4,080 |
| Noninterest expense to average assets | 2.3667% | 3,826 |
| Loan and lease loss provision to assets | 0.1315% | 1,423 |
| Net operating income to assets | 0.8254% | 3,562 |
| Return on assets (ROA) | 0.8254% | 3,620 |
| Pretax return on assets | 1.1103% | 3,204 |
| Return on Equity (ROE) | 7.3848% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.3848% | 1,660 |
| Net charge-offs to loans | -0.2443% | 5,158 |
| Credit loss provision to net charge-offs | -94.7368% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5870% | 2,875 |
| Assets per employee ($millions) | 5.5178% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 244 |
| Loan loss allowance to noncurrent loans | 331.3559% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 2,803 |
| Noncurrent loans to loans | 0.7325% | 2,156 |
| Net loans and leases to total assets | 56.9720% | 4,014 |
| Net loans and leases to deposits | 66.1421% | 4,088 |
| Net loans and leases to core deposits | 67.8436% | 4,213 |
| Total domestic deposits to total assets | 86.1358% | 1,964 |
| Equity capital to assets | 11.5336% | 2,582 |
| Core capital (leverage) ratio | 11.5332% | 2,131 |
| Tier 1 risk-based capital ratio | 19.7105% | 1,402 |
| Total risk-based capital ratio | 20.9702% | 1,368 |
| Memoranda: | ||
| Average total assets | $27,379,330 | 5,174 |
| Average earning assets | $26,061,670 | 5,154 |
| Average equity | $3,060,330 | 5,185 |
| Average total loans | $15,553,670 | 5,075 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 4,391 |
| Cost of funding earning assets | 0.4792% | 4,160 |
| Net interest margin | 3.5088% | 3,571 |
| Noninterest income to average assets | 0.2640% | 4,116 |
| Noninterest expense to average assets | 2.3612% | 3,871 |
| Loan and lease loss provision to assets | 0.1320% | 1,314 |
| Net operating income to assets | 0.8066% | 3,596 |
| Return on assets (ROA) | 0.8066% | 3,635 |
| Pretax return on assets | 1.0999% | 3,149 |
| Return on Equity (ROE) | 7.3346% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.3346% | 1,909 |
| Net charge-offs to loans | -0.4451% | 5,259 |
| Credit loss provision to net charge-offs | -52.9412% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7143% | 2,976 |
| Assets per employee ($millions) | 5.5252% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4483% | 263 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 2,936 |
| Noncurrent loans to loans | 0.7345% | 2,190 |
| Net loans and leases to total assets | 54.8071% | 4,147 |
| Net loans and leases to deposits | 61.7899% | 4,311 |
| Net loans and leases to core deposits | 63.3276% | 4,415 |
| Total domestic deposits to total assets | 88.6991% | 996 |
| Equity capital to assets | 11.0838% | 2,764 |
| Core capital (leverage) ratio | 11.3660% | 2,234 |
| Tier 1 risk-based capital ratio | 19.8113% | 1,373 |
| Total risk-based capital ratio | 21.0756% | 1,346 |
| Memoranda: | ||
| Average total assets | $27,274,500 | 5,230 |
| Average earning assets | $25,877,500 | 5,210 |
| Average equity | $2,999,500 | 5,241 |
| Average total loans | $15,276,000 | 5,144 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 4,277 |
| Cost of funding earning assets | 0.4202% | 3,860 |
| Net interest margin | 3.4793% | 3,774 |
| Noninterest income to average assets | 0.3163% | 4,003 |
| Noninterest expense to average assets | 2.2317% | 4,266 |
| Loan and lease loss provision to assets | 0.1230% | 1,795 |
| Net operating income to assets | 1.0473% | 2,816 |
| Return on assets (ROA) | 1.0473% | 2,802 |
| Pretax return on assets | 1.2793% | 2,583 |
| Return on Equity (ROE) | 10.2759% | 2,406 |
| Retained earnings to average equity (ytd only) | 5.1034% | 2,711 |
| Net charge-offs to loans | 0.1203% | 1,533 |
| Credit loss provision to net charge-offs | 184.2105% | 1,538 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,968 |
| Efficiency ratio | 61.4120% | 3,639 |
| Assets per employee ($millions) | 5.3846% | 2,073 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 54.5147% | 4,244 |
| Net loans and leases to deposits | 62.7276% | 4,326 |
| Net loans and leases to core deposits | 64.3615% | 4,437 |
| Total domestic deposits to total assets | 86.9071% | 1,819 |
| Equity capital to assets | 10.9089% | 2,784 |
| Core capital (leverage) ratio | 10.8995% | 2,625 |
| Tier 1 risk-based capital ratio | 20.1087% | 1,285 |
| Total risk-based capital ratio | 21.3684% | 1,263 |
| Memoranda: | ||
| Average total assets | $28,453,400 | 5,261 |
| Average earning assets | $27,132,200 | 5,237 |
| Average equity | $2,900,000 | 5,286 |
| Average total loans | $15,789,200 | 5,173 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 4,387 |
| Cost of funding earning assets | 0.3633% | 4,096 |
| Net interest margin | 3.4581% | 3,840 |
| Noninterest income to average assets | 0.3283% | 3,954 |
| Noninterest expense to average assets | 2.1916% | 4,340 |
| Loan and lease loss provision to assets | 0.1202% | 1,684 |
| Net operating income to assets | 1.0034% | 3,065 |
| Return on assets (ROA) | 1.0034% | 3,079 |
| Pretax return on assets | 1.3178% | 2,551 |
| Return on Equity (ROE) | 10.0088% | 2,621 |
| Retained earnings to average equity (ytd only) | 10.0088% | 922 |
| Net charge-offs to loans | 0.1252% | 1,262 |
| Credit loss provision to net charge-offs | 173.3333% | 1,544 |
| Earnings coverage of net charge-offs (x) | 20.7330% | 1,948 |
| Efficiency ratio | 60.3822% | 3,755 |
| Assets per employee ($millions) | 5.6994% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 55.0444% | 4,290 |
| Net loans and leases to deposits | 65.4538% | 4,240 |
| Net loans and leases to core deposits | 67.1145% | 4,346 |
| Total domestic deposits to total assets | 84.0966% | 2,909 |
| Equity capital to assets | 10.3941% | 3,242 |
| Core capital (leverage) ratio | 10.9871% | 2,588 |
| Tier 1 risk-based capital ratio | 19.2084% | 1,491 |
| Total risk-based capital ratio | 20.4658% | 1,457 |
| Memoranda: | ||
| Average total assets | $28,836,000 | 5,326 |
| Average earning assets | $27,528,750 | 5,299 |
| Average equity | $2,890,750 | 5,358 |
| Average total loans | $15,978,750 | 5,235 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,431 |
| Cost of funding earning assets | 0.3398% | 4,133 |
| Net interest margin | 3.4270% | 3,873 |
| Noninterest income to average assets | 0.3454% | 3,864 |
| Noninterest expense to average assets | 2.1831% | 4,404 |
| Loan and lease loss provision to assets | 0.1174% | 1,684 |
| Net operating income to assets | 1.0156% | 2,951 |
| Return on assets (ROA) | 1.0156% | 2,959 |
| Pretax return on assets | 1.3196% | 2,433 |
| Return on Equity (ROE) | 10.2546% | 2,448 |
| Retained earnings to average equity (ytd only) | 10.2546% | 852 |
| Net charge-offs to loans | 0.0877% | 1,464 |
| Credit loss provision to net charge-offs | 242.8571% | 1,165 |
| Earnings coverage of net charge-offs (x) | 29.7143% | 1,510 |
| Efficiency ratio | 60.3053% | 3,894 |
| Assets per employee ($millions) | 5.6828% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2191% | 362 |
| 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 | 53.9664% | 4,340 |
| Net loans and leases to deposits | 62.7106% | 4,375 |
| Net loans and leases to core deposits | 65.8196% | 4,376 |
| Total domestic deposits to total assets | 86.0562% | 2,251 |
| Equity capital to assets | 10.2238% | 3,421 |
| Core capital (leverage) ratio | 10.6267% | 2,893 |
| Tier 1 risk-based capital ratio | 19.1596% | 1,511 |
| Total risk-based capital ratio | 20.4171% | 1,468 |
| Memoranda: | ||
| Average total assets | $28,949,000 | 5,387 |
| Average earning assets | $27,662,670 | 5,363 |
| Average equity | $2,867,000 | 5,422 |
| Average total loans | $15,960,000 | 5,295 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,454 |
| Cost of funding earning assets | 0.3151% | 4,232 |
| Net interest margin | 3.3940% | 3,903 |
| Noninterest income to average assets | 0.3012% | 4,147 |
| Noninterest expense to average assets | 2.1769% | 4,474 |
| Loan and lease loss provision to assets | 0.1095% | 1,708 |
| Net operating income to assets | 0.9584% | 3,040 |
| Return on assets (ROA) | 0.9584% | 3,056 |
| Pretax return on assets | 1.2596% | 2,517 |
| Return on Equity (ROE) | 9.8315% | 2,520 |
| Retained earnings to average equity (ytd only) | 9.8315% | 1,213 |
| Net charge-offs to loans | 0.1491% | 934 |
| Credit loss provision to net charge-offs | 133.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,611 |
| Efficiency ratio | 61.3900% | 3,891 |
| Assets per employee ($millions) | 5.7642% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1413% | 429 |
| 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 | 53.9121% | 4,290 |
| Net loans and leases to deposits | 60.4968% | 4,437 |
| Net loans and leases to core deposits | 64.2996% | 4,406 |
| Total domestic deposits to total assets | 89.1156% | 1,046 |
| Equity capital to assets | 9.9476% | 3,646 |
| Core capital (leverage) ratio | 10.1126% | 3,415 |
| Tier 1 risk-based capital ratio | 18.6482% | 1,651 |
| Total risk-based capital ratio | 19.9041% | 1,607 |
| Memoranda: | ||
| Average total assets | $29,216,500 | 5,446 |
| Average earning assets | $27,932,000 | 5,415 |
| Average equity | $2,848,000 | 5,481 |
| Average total loans | $16,099,000 | 5,350 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7051% | 4,325 |
| Cost of funding earning assets | 0.2792% | 4,319 |
| Net interest margin | 3.4260% | 3,767 |
| Noninterest income to average assets | 0.2812% | 4,448 |
| Noninterest expense to average assets | 2.2083% | 4,512 |
| Loan and lease loss provision to assets | 0.0833% | 2,537 |
| Net operating income to assets | 0.9261% | 2,568 |
| Return on assets (ROA) | 0.9236% | 2,608 |
| Pretax return on assets | 1.2673% | 2,479 |
| Return on Equity (ROE) | 9.3675% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.0851% | 2,722 |
| Net charge-offs to loans | 0.0837% | 2,262 |
| Credit loss provision to net charge-offs | 184.6154% | 1,470 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,547 |
| Efficiency ratio | 61.9883% | 3,938 |
| Assets per employee ($millions) | 5.9224% | 1,575 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 467 |
| 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 | 53.9714% | 4,372 |
| Net loans and leases to deposits | 63.2399% | 4,366 |
| Net loans and leases to core deposits | 65.8916% | 4,422 |
| Total domestic deposits to total assets | 85.3438% | 2,708 |
| Equity capital to assets | 9.5536% | 4,188 |
| Core capital (leverage) ratio | 9.8835% | 3,599 |
| Tier 1 risk-based capital ratio | 17.5372% | 1,935 |
| Total risk-based capital ratio | 18.8081% | 1,880 |
| Memoranda: | ||
| Average total assets | $28,800,800 | 5,507 |
| Average earning assets | $27,583,400 | 5,477 |
| Average equity | $2,839,600 | 5,540 |
| Average total loans | $15,532,600 | 5,429 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6794% | 4,375 |
| Cost of funding earning assets | 0.2625% | 4,460 |
| Net interest margin | 3.4169% | 3,786 |
| Noninterest income to average assets | 0.2844% | 4,491 |
| Noninterest expense to average assets | 2.2146% | 4,493 |
| Loan and lease loss provision to assets | 0.0839% | 2,416 |
| Net operating income to assets | 0.9546% | 2,751 |
| Return on assets (ROA) | 0.9511% | 2,836 |
| Pretax return on assets | 1.2588% | 2,670 |
| Return on Equity (ROE) | 9.5695% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.5695% | 690 |
| Net charge-offs to loans | 0.1217% | 1,575 |
| Credit loss provision to net charge-offs | 128.5714% | 1,908 |
| Earnings coverage of net charge-offs (x) | 20.6385% | 1,942 |
| Efficiency ratio | 62.1728% | 3,853 |
| Assets per employee ($millions) | 5.8156% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 584 |
| 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 | 56.1318% | 4,225 |
| Net loans and leases to deposits | 62.6492% | 4,466 |
| Net loans and leases to core deposits | 65.8650% | 4,492 |
| Total domestic deposits to total assets | 89.5969% | 622 |
| Equity capital to assets | 10.1761% | 3,716 |
| Core capital (leverage) ratio | 10.2291% | 3,283 |
| Tier 1 risk-based capital ratio | 17.9594% | 1,864 |
| Total risk-based capital ratio | 19.2159% | 1,814 |
| Memoranda: | ||
| Average total assets | $28,598,000 | 5,569 |
| Average earning assets | $27,431,500 | 5,536 |
| Average equity | $2,842,250 | 5,604 |
| Average total loans | $15,335,750 | 5,491 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 4,480 |
| Cost of funding earning assets | 0.2565% | 4,487 |
| Net interest margin | 3.3560% | 3,924 |
| Noninterest income to average assets | 0.2954% | 4,425 |
| Noninterest expense to average assets | 2.1942% | 4,570 |
| Loan and lease loss provision to assets | 0.0844% | 2,297 |
| Net operating income to assets | 0.9424% | 2,705 |
| Return on assets (ROA) | 0.9424% | 2,762 |
| Pretax return on assets | 1.2378% | 2,630 |
| Return on Equity (ROE) | 9.5601% | 2,237 |
| Retained earnings to average equity (ytd only) | 9.5601% | 689 |
| Net charge-offs to loans | -0.0269% | 4,906 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4000% | 3,922 |
| Assets per employee ($millions) | 5.7904% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1193% | 492 |
| 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 | 54.3969% | 4,359 |
| Net loans and leases to deposits | 62.3426% | 4,483 |
| Net loans and leases to core deposits | 65.6400% | 4,493 |
| Total domestic deposits to total assets | 87.2548% | 1,831 |
| Equity capital to assets | 9.9717% | 3,944 |
| Core capital (leverage) ratio | 10.0197% | 3,514 |
| Tier 1 risk-based capital ratio | 18.1121% | 1,820 |
| Total risk-based capital ratio | 19.3723% | 1,776 |
| Memoranda: | ||
| Average total assets | $28,438,000 | 5,617 |
| Average earning assets | $27,294,000 | 5,586 |
| Average equity | $2,803,330 | 5,655 |
| Average total loans | $14,896,670 | 5,546 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 4,639 |
| Cost of funding earning assets | 0.2673% | 4,384 |
| Net interest margin | 3.2522% | 4,167 |
| Noninterest income to average assets | 0.3123% | 4,317 |
| Noninterest expense to average assets | 2.2143% | 4,603 |
| Loan and lease loss provision to assets | 0.0852% | 2,116 |
| Net operating income to assets | 0.8232% | 3,106 |
| Return on assets (ROA) | 0.8232% | 3,165 |
| Pretax return on assets | 1.1213% | 2,901 |
| Return on Equity (ROE) | 8.4012% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.4012% | 1,310 |
| Net charge-offs to loans | -0.0280% | 4,899 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7303% | 3,707 |
| Assets per employee ($millions) | 5.6716% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.7476% | 4,609 |
| Net loans and leases to deposits | 56.9828% | 4,758 |
| Net loans and leases to core deposits | 59.9925% | 4,777 |
| Total domestic deposits to total assets | 89.0578% | 1,117 |
| Equity capital to assets | 9.8738% | 3,904 |
| Core capital (leverage) ratio | 10.0316% | 3,457 |
| Tier 1 risk-based capital ratio | 18.8555% | 1,644 |
| Total risk-based capital ratio | 20.1161% | 1,605 |
| Memoranda: | ||
| Average total assets | $28,181,000 | 5,687 |
| Average earning assets | $26,936,000 | 5,657 |
| Average equity | $2,761,500 | 5,720 |
| Average total loans | $14,300,000 | 5,627 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,583 |
| Cost of funding earning assets | 0.2644% | 4,420 |
| Net interest margin | 3.3087% | 4,114 |
| Noninterest income to average assets | 0.3214% | 4,442 |
| Noninterest expense to average assets | 2.2497% | 4,651 |
| Loan and lease loss provision to assets | 0.0867% | 2,632 |
| Net operating income to assets | 0.8594% | 3,031 |
| Return on assets (ROA) | 0.8594% | 3,139 |
| Pretax return on assets | 1.1483% | 2,900 |
| Return on Equity (ROE) | 8.5544% | 2,640 |
| Retained earnings to average equity (ytd only) | 3.1630% | 3,660 |
| Net charge-offs to loans | 0.1218% | 2,040 |
| Credit loss provision to net charge-offs | 141.1765% | 1,940 |
| Earnings coverage of net charge-offs (x) | 20.1176% | 1,870 |
| Efficiency ratio | 64.5596% | 3,844 |
| Assets per employee ($millions) | 5.6008% | 1,781 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3568% | 370 |
| 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 | 48.3788% | 4,869 |
| Net loans and leases to deposits | 53.6703% | 5,030 |
| Net loans and leases to core deposits | 56.5041% | 5,029 |
| Total domestic deposits to total assets | 90.1407% | 586 |
| Equity capital to assets | 9.7236% | 4,037 |
| Core capital (leverage) ratio | 10.0235% | 3,458 |
| Tier 1 risk-based capital ratio | 19.5137% | 1,474 |
| Total risk-based capital ratio | 20.7752% | 1,432 |
| Memoranda: | ||
| Average total assets | $27,692,400 | 5,747 |
| Average earning assets | $26,475,800 | 5,717 |
| Average equity | $2,782,200 | 5,775 |
| Average total loans | $13,955,200 | 5,689 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 4,602 |
| Cost of funding earning assets | 0.2669% | 4,426 |
| Net interest margin | 3.3137% | 4,142 |
| Noninterest income to average assets | 0.3235% | 4,460 |
| Noninterest expense to average assets | 2.2451% | 4,660 |
| Loan and lease loss provision to assets | 0.0869% | 2,489 |
| Net operating income to assets | 0.8691% | 3,052 |
| Return on assets (ROA) | 0.8691% | 3,174 |
| Pretax return on assets | 1.1684% | 2,976 |
| Return on Equity (ROE) | 8.5803% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.5803% | 946 |
| Net charge-offs to loans | 0.1336% | 1,636 |
| Credit loss provision to net charge-offs | 128.5714% | 1,989 |
| Earnings coverage of net charge-offs (x) | 18.5678% | 1,988 |
| Efficiency ratio | 64.1379% | 3,911 |
| Assets per employee ($millions) | 5.5456% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3077% | 433 |
| Loan loss allowance to noncurrent loans | 6,480.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 5,444 |
| Noncurrent loans to loans | 0.0356% | 5,231 |
| Net loans and leases to total assets | 49.4662% | 4,859 |
| Net loans and leases to deposits | 55.3846% | 5,031 |
| Net loans and leases to core deposits | 58.3635% | 5,030 |
| Total domestic deposits to total assets | 89.3141% | 753 |
| Equity capital to assets | 10.4479% | 3,615 |
| Core capital (leverage) ratio | 10.3226% | 3,200 |
| Tier 1 risk-based capital ratio | 20.0772% | 1,433 |
| Total risk-based capital ratio | 21.3333% | 1,393 |
| Memoranda: | ||
| Average total assets | $27,614,500 | 5,814 |
| Average earning assets | $26,475,250 | 5,776 |
| Average equity | $2,797,000 | 5,838 |
| Average total loans | $13,975,250 | 5,749 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 4,640 |
| Cost of funding earning assets | 0.2647% | 4,503 |
| Net interest margin | 3.3203% | 4,158 |
| Noninterest income to average assets | 0.4352% | 3,636 |
| Noninterest expense to average assets | 2.3861% | 4,385 |
| Loan and lease loss provision to assets | 0.0870% | 2,405 |
| Net operating income to assets | 0.8485% | 3,100 |
| Return on assets (ROA) | 0.8485% | 3,226 |
| Pretax return on assets | 1.1459% | 3,002 |
| Return on Equity (ROE) | 8.4670% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.4670% | 1,019 |
| Net charge-offs to loans | 0.2007% | 1,143 |
| Credit loss provision to net charge-offs | 85.7143% | 2,302 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 2,204 |
| Efficiency ratio | 65.9319% | 3,691 |
| Assets per employee ($millions) | 5.5340% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3131% | 457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 48.5363% | 4,945 |
| Net loans and leases to deposits | 54.2341% | 5,124 |
| Net loans and leases to core deposits | 57.1465% | 5,123 |
| Total domestic deposits to total assets | 89.4940% | 684 |
| Equity capital to assets | 10.2711% | 3,894 |
| Core capital (leverage) ratio | 10.1432% | 3,396 |
| Tier 1 risk-based capital ratio | 19.8117% | 1,498 |
| Total risk-based capital ratio | 21.0720% | 1,462 |
| Memoranda: | ||
| Average total assets | $27,576,670 | 5,889 |
| Average earning assets | $26,443,670 | 5,851 |
| Average equity | $2,763,670 | 5,913 |
| Average total loans | $13,953,670 | 5,813 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 4,631 |
| Cost of funding earning assets | 0.2577% | 4,629 |
| Net interest margin | 3.3354% | 4,092 |
| Noninterest income to average assets | 0.4504% | 3,481 |
| Noninterest expense to average assets | 2.3829% | 4,417 |
| Loan and lease loss provision to assets | 0.0872% | 2,230 |
| Net operating income to assets | 0.8718% | 2,889 |
| Return on assets (ROA) | 0.8718% | 3,006 |
| Pretax return on assets | 1.1769% | 2,793 |
| Return on Equity (ROE) | 8.8090% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.8090% | 1,171 |
| Net charge-offs to loans | 0.3984% | 564 |
| Credit loss provision to net charge-offs | 42.8571% | 2,120 |
| Earnings coverage of net charge-offs (x) | 6.2143% | 2,257 |
| Efficiency ratio | 65.3386% | 3,911 |
| Assets per employee ($millions) | 5.5338% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2165% | 578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.7452% | 4,830 |
| Net loans and leases to deposits | 55.4396% | 5,016 |
| Net loans and leases to core deposits | 58.4037% | 5,022 |
| Total domestic deposits to total assets | 89.7286% | 717 |
| Equity capital to assets | 9.9859% | 4,097 |
| Core capital (leverage) ratio | 9.9121% | 3,649 |
| Tier 1 risk-based capital ratio | 19.0599% | 1,725 |
| Total risk-based capital ratio | 20.3185% | 1,680 |
| Memoranda: | ||
| Average total assets | $27,530,000 | 5,949 |
| Average earning assets | $26,383,500 | 5,909 |
| Average equity | $2,724,500 | 5,970 |
| Average total loans | $14,056,500 | 5,871 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,674 |
| Cost of funding earning assets | 0.2840% | 4,428 |
| Net interest margin | 3.3166% | 4,222 |
| Noninterest income to average assets | 0.4099% | 3,957 |
| Noninterest expense to average assets | 2.3471% | 4,659 |
| Loan and lease loss provision to assets | 0.0871% | 2,554 |
| Net operating income to assets | 0.8598% | 3,069 |
| Return on assets (ROA) | 0.8598% | 3,139 |
| Pretax return on assets | 1.1536% | 2,827 |
| Return on Equity (ROE) | 8.7745% | 2,580 |
| Retained earnings to average equity (ytd only) | 3.2210% | 3,763 |
| Net charge-offs to loans | 0.0291% | 3,638 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 659 |
| Efficiency ratio | 65.4196% | 4,003 |
| Assets per employee ($millions) | 5.4782% | 1,831 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2797% | 531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.0785% | 4,864 |
| Net loans and leases to deposits | 56.8039% | 4,993 |
| Net loans and leases to core deposits | 59.9283% | 4,983 |
| Total domestic deposits to total assets | 88.1603% | 1,552 |
| Equity capital to assets | 9.8061% | 4,184 |
| Core capital (leverage) ratio | 9.8001% | 3,773 |
| Tier 1 risk-based capital ratio | 18.7863% | 1,749 |
| Total risk-based capital ratio | 20.0476% | 1,710 |
| Memoranda: | ||
| Average total assets | $27,566,000 | 5,995 |
| Average earning assets | $26,412,200 | 5,961 |
| Average equity | $2,701,000 | 6,031 |
| Average total loans | $13,736,600 | 5,933 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 4,738 |
| Cost of funding earning assets | 0.2821% | 4,533 |
| Net interest margin | 3.3194% | 4,264 |
| Noninterest income to average assets | 0.3960% | 4,114 |
| Noninterest expense to average assets | 2.3324% | 4,695 |
| Loan and lease loss provision to assets | 0.0869% | 2,422 |
| Net operating income to assets | 0.8692% | 3,087 |
| Return on assets (ROA) | 0.8692% | 3,175 |
| Pretax return on assets | 1.1590% | 2,981 |
| Return on Equity (ROE) | 8.8729% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.8729% | 948 |
| Net charge-offs to loans | 0.0488% | 2,916 |
| Credit loss provision to net charge-offs | 360.0000% | 823 |
| Earnings coverage of net charge-offs (x) | 51.5727% | 1,014 |
| Efficiency ratio | 65.1822% | 4,035 |
| Assets per employee ($millions) | 5.3830% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.3803% | 4,813 |
| Net loans and leases to deposits | 58.8168% | 4,932 |
| Net loans and leases to core deposits | 62.1416% | 4,932 |
| Total domestic deposits to total assets | 87.3565% | 1,865 |
| Equity capital to assets | 10.4254% | 3,680 |
| Core capital (leverage) ratio | 10.0271% | 3,583 |
| Tier 1 risk-based capital ratio | 19.2692% | 1,716 |
| Total risk-based capital ratio | 20.5265% | 1,678 |
| Memoranda: | ||
| Average total assets | $27,609,750 | 6,078 |
| Average earning assets | $26,470,000 | 6,042 |
| Average equity | $2,704,750 | 6,114 |
| Average total loans | $13,661,500 | 6,011 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5381% | 4,888 |
| Cost of funding earning assets | 0.2779% | 4,633 |
| Net interest margin | 3.2602% | 4,450 |
| Noninterest income to average assets | 0.4023% | 4,068 |
| Noninterest expense to average assets | 2.3131% | 4,812 |
| Loan and lease loss provision to assets | 0.0862% | 2,384 |
| Net operating income to assets | 0.8261% | 3,237 |
| Return on assets (ROA) | 0.8261% | 3,353 |
| Pretax return on assets | 1.1206% | 3,089 |
| Return on Equity (ROE) | 8.6110% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.6110% | 1,039 |
| Net charge-offs to loans | 0.0741% | 2,334 |
| Credit loss provision to net charge-offs | 240.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,264 |
| Efficiency ratio | 65.7143% | 4,062 |
| Assets per employee ($millions) | 5.5038% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2266% | 710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.9880% | 5,012 |
| Net loans and leases to deposits | 57.1471% | 5,053 |
| Net loans and leases to core deposits | 59.0417% | 5,129 |
| Total domestic deposits to total assets | 85.7226% | 2,832 |
| Equity capital to assets | 9.9241% | 4,125 |
| Core capital (leverage) ratio | 9.8685% | 3,777 |
| Tier 1 risk-based capital ratio | 19.0039% | 1,792 |
| Total risk-based capital ratio | 20.2596% | 1,760 |
| Memoranda: | ||
| Average total assets | $27,841,330 | 6,147 |
| Average earning assets | $26,624,330 | 6,107 |
| Average equity | $2,671,000 | 6,182 |
| Average total loans | $13,501,330 | 6,077 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 5,048 |
| Cost of funding earning assets | 0.2701% | 4,786 |
| Net interest margin | 3.1958% | 4,630 |
| Noninterest income to average assets | 0.3857% | 4,117 |
| Noninterest expense to average assets | 2.2998% | 4,884 |
| Loan and lease loss provision to assets | 0.0857% | 2,262 |
| Net operating income to assets | 0.7428% | 3,582 |
| Return on assets (ROA) | 0.7428% | 3,707 |
| Pretax return on assets | 1.0428% | 3,326 |
| Return on Equity (ROE) | 7.8758% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.8758% | 1,615 |
| Net charge-offs to loans | -0.0299% | 5,250 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0833% | 3,978 |
| Assets per employee ($millions) | 5.5316% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.8560% | 5,047 |
| Net loans and leases to deposits | 53.3409% | 5,245 |
| Net loans and leases to core deposits | 55.0170% | 5,314 |
| Total domestic deposits to total assets | 89.7173% | 892 |
| Equity capital to assets | 9.7151% | 4,484 |
| Core capital (leverage) ratio | 9.4530% | 4,348 |
| Tier 1 risk-based capital ratio | 18.6325% | 1,966 |
| Total risk-based capital ratio | 19.8930% | 1,918 |
| Memoranda: | ||
| Average total assets | $28,002,500 | 6,209 |
| Average earning assets | $26,660,000 | 6,171 |
| Average equity | $2,641,000 | 6,249 |
| Average total loans | $13,358,000 | 6,142 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 5,137 |
| Cost of funding earning assets | 0.3502% | 4,252 |
| Net interest margin | 3.2291% | 4,833 |
| Noninterest income to average assets | 0.4334% | 3,944 |
| Noninterest expense to average assets | 2.2938% | 5,128 |
| Loan and lease loss provision to assets | 0.0846% | 2,786 |
| Net operating income to assets | 0.8386% | 3,185 |
| Return on assets (ROA) | 0.8386% | 3,279 |
| Pretax return on assets | 1.1416% | 2,915 |
| Return on Equity (ROE) | 9.1828% | 2,493 |
| Retained earnings to average equity (ytd only) | 3.3953% | 3,797 |
| Net charge-offs to loans | -0.0813% | 6,066 |
| Credit loss provision to net charge-offs | -218.1818% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1652% | 4,380 |
| Assets per employee ($millions) | 5.6694% | 1,629 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.4122% | 5,375 |
| Net loans and leases to deposits | 54.6276% | 5,282 |
| Net loans and leases to core deposits | 56.4382% | 5,353 |
| Total domestic deposits to total assets | 83.1305% | 4,031 |
| Equity capital to assets | 9.1544% | 5,123 |
| Core capital (leverage) ratio | 9.2270% | 4,639 |
| Tier 1 risk-based capital ratio | 18.5790% | 1,964 |
| Total risk-based capital ratio | 19.8467% | 1,928 |
| Memoranda: | ||
| Average total assets | $28,380,800 | 6,281 |
| Average earning assets | $27,128,400 | 6,239 |
| Average equity | $2,591,800 | 6,335 |
| Average total loans | $13,523,200 | 6,211 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 5,253 |
| Cost of funding earning assets | 0.3576% | 4,262 |
| Net interest margin | 3.1984% | 4,974 |
| Noninterest income to average assets | 0.4556% | 3,852 |
| Noninterest expense to average assets | 2.2449% | 5,239 |
| Loan and lease loss provision to assets | 0.0845% | 2,664 |
| Net operating income to assets | 0.9017% | 2,908 |
| Return on assets (ROA) | 0.9017% | 3,003 |
| Pretax return on assets | 1.1929% | 2,802 |
| Return on Equity (ROE) | 9.8800% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.8800% | 744 |
| Net charge-offs to loans | -0.1176% | 6,189 |
| Credit loss provision to net charge-offs | -150.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7333% | 4,593 |
| Assets per employee ($millions) | 5.6278% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.6470% | 5,325 |
| Net loans and leases to deposits | 52.8231% | 5,478 |
| Net loans and leases to core deposits | 54.4783% | 5,533 |
| Total domestic deposits to total assets | 88.3080% | 1,601 |
| Equity capital to assets | 9.5703% | 4,708 |
| Core capital (leverage) ratio | 9.5987% | 4,246 |
| Tier 1 risk-based capital ratio | 19.0469% | 1,896 |
| Total risk-based capital ratio | 20.3106% | 1,856 |
| Memoranda: | ||
| Average total assets | $28,389,250 | 6,355 |
| Average earning assets | $27,221,000 | 6,310 |
| Average equity | $2,591,000 | 6,408 |
| Average total loans | $13,610,750 | 6,277 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 5,285 |
| Cost of funding earning assets | 0.3595% | 4,328 |
| Net interest margin | 3.1916% | 4,974 |
| Noninterest income to average assets | 0.4496% | 3,878 |
| Noninterest expense to average assets | 2.2337% | 5,333 |
| Loan and lease loss provision to assets | 0.0843% | 2,619 |
| Net operating income to assets | 0.8991% | 2,815 |
| Return on assets (ROA) | 0.8991% | 2,908 |
| Pretax return on assets | 1.1871% | 2,720 |
| Return on Equity (ROE) | 10.0117% | 2,149 |
| Retained earnings to average equity (ytd only) | 10.0117% | 714 |
| Net charge-offs to loans | -0.1170% | 6,192 |
| Credit loss provision to net charge-offs | -150.0000% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7275% | 4,735 |
| Assets per employee ($millions) | 5.7654% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 1,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.0897% | 5,454 |
| Net loans and leases to deposits | 49.8046% | 5,644 |
| Net loans and leases to core deposits | 51.2863% | 5,717 |
| Total domestic deposits to total assets | 90.5332% | 577 |
| Equity capital to assets | 9.1511% | 5,156 |
| Core capital (leverage) ratio | 9.2331% | 4,689 |
| Tier 1 risk-based capital ratio | 18.7776% | 1,981 |
| Total risk-based capital ratio | 20.0399% | 1,938 |
| Memoranda: | ||
| Average total assets | $28,472,670 | 6,414 |
| Average earning assets | $27,259,000 | 6,368 |
| Average equity | $2,557,000 | 6,468 |
| Average total loans | $13,674,000 | 6,331 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5236% | 5,363 |
| Cost of funding earning assets | 0.3686% | 4,336 |
| Net interest margin | 3.1551% | 5,072 |
| Noninterest income to average assets | 0.4524% | 3,771 |
| Noninterest expense to average assets | 2.2618% | 5,298 |
| Loan and lease loss provision to assets | 0.0848% | 2,490 |
| Net operating income to assets | 0.8482% | 2,905 |
| Return on assets (ROA) | 0.8482% | 2,978 |
| Pretax return on assets | 1.1309% | 2,766 |
| Return on Equity (ROE) | 9.5371% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.5371% | 1,094 |
| Net charge-offs to loans | -0.1442% | 6,268 |
| Credit loss provision to net charge-offs | -120.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0407% | 4,686 |
| Assets per employee ($millions) | 5.6374% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 1,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.7804% | 5,249 |
| Net loans and leases to deposits | 53.2660% | 5,353 |
| Net loans and leases to core deposits | 54.9394% | 5,439 |
| Total domestic deposits to total assets | 87.8242% | 2,324 |
| Equity capital to assets | 9.0751% | 5,024 |
| Core capital (leverage) ratio | 8.9708% | 5,058 |
| Tier 1 risk-based capital ratio | 18.4910% | 2,127 |
| Total risk-based capital ratio | 19.7521% | 2,087 |
| Memoranda: | ||
| Average total assets | $28,295,500 | 6,486 |
| Average earning assets | $27,131,000 | 6,433 |
| Average equity | $2,516,500 | 6,538 |
| Average total loans | $13,869,500 | 6,384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 5,370 |
| Cost of funding earning assets | 0.4690% | 3,924 |
| Net interest margin | 3.1456% | 5,176 |
| Noninterest income to average assets | 0.4684% | 3,972 |
| Noninterest expense to average assets | 2.2404% | 5,531 |
| Loan and lease loss provision to assets | 0.0908% | 3,295 |
| Net operating income to assets | 0.8779% | 2,891 |
| Return on assets (ROA) | 0.8751% | 2,989 |
| Pretax return on assets | 1.1293% | 2,853 |
| Return on Equity (ROE) | 9.4340% | 2,353 |
| Retained earnings to average equity (ytd only) | 3.5622% | 3,680 |
| Net charge-offs to loans | -0.0391% | 6,281 |
| Credit loss provision to net charge-offs | -500.0000% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6751% | 4,788 |
| Assets per employee ($millions) | 5.6808% | 1,490 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 1,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 49.3311% | 5,153 |
| Net loans and leases to deposits | 57.4521% | 5,169 |
| Net loans and leases to core deposits | 59.2799% | 5,276 |
| Total domestic deposits to total assets | 85.8647% | 3,331 |
| Equity capital to assets | 8.7136% | 5,352 |
| Core capital (leverage) ratio | 8.9410% | 5,093 |
| Tier 1 risk-based capital ratio | 17.1552% | 2,537 |
| Total risk-based capital ratio | 18.4153% | 2,510 |
| Memoranda: | ||
| Average total assets | $27,539,200 | 6,570 |
| Average earning assets | $26,227,000 | 6,525 |
| Average equity | $2,554,600 | 6,617 |
| Average total loans | $12,789,600 | 6,492 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6248% | 5,375 |
| Cost of funding earning assets | 0.4877% | 3,887 |
| Net interest margin | 3.1370% | 5,211 |
| Noninterest income to average assets | 0.4831% | 3,918 |
| Noninterest expense to average assets | 2.2203% | 5,554 |
| Loan and lease loss provision to assets | 0.0927% | 3,220 |
| Net operating income to assets | 0.8723% | 2,981 |
| Return on assets (ROA) | 0.8686% | 3,109 |
| Pretax return on assets | 1.1468% | 2,907 |
| Return on Equity (ROE) | 9.2185% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.2185% | 994 |
| Net charge-offs to loans | -0.0644% | 6,384 |
| Credit loss provision to net charge-offs | -316.6667% | 5,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0845% | 4,784 |
| Assets per employee ($millions) | 5.5366% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 1,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 45.8115% | 5,564 |
| Net loans and leases to deposits | 50.7280% | 5,788 |
| Net loans and leases to core deposits | 51.7654% | 5,902 |
| Total domestic deposits to total assets | 90.3081% | 838 |
| Equity capital to assets | 9.2945% | 4,812 |
| Core capital (leverage) ratio | 9.4519% | 4,473 |
| Tier 1 risk-based capital ratio | 19.5889% | 1,843 |
| Total risk-based capital ratio | 20.9190% | 1,783 |
| Memoranda: | ||
| Average total assets | $27,323,000 | 6,653 |
| Average earning assets | $25,968,750 | 6,604 |
| Average equity | $2,574,500 | 6,689 |
| Average total loans | $12,417,750 | 6,570 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 5,359 |
| Cost of funding earning assets | 0.5105% | 3,801 |
| Net interest margin | 3.1173% | 5,227 |
| Noninterest income to average assets | 0.4705% | 4,024 |
| Noninterest expense to average assets | 2.2130% | 5,600 |
| Loan and lease loss provision to assets | 0.0956% | 3,197 |
| Net operating income to assets | 0.8584% | 3,001 |
| Return on assets (ROA) | 0.8528% | 3,178 |
| Pretax return on assets | 1.1175% | 3,025 |
| Return on Equity (ROE) | 9.0097% | 2,601 |
| Retained earnings to average equity (ytd only) | 9.0097% | 1,112 |
| Net charge-offs to loans | -0.0817% | 6,441 |
| Credit loss provision to net charge-offs | -260.0000% | 5,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4540% | 4,794 |
| Assets per employee ($millions) | 5.5120% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 1,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.2925% | 5,715 |
| Net loans and leases to deposits | 50.1211% | 5,833 |
| Net loans and leases to core deposits | 51.1738% | 5,948 |
| Total domestic deposits to total assets | 88.3708% | 1,998 |
| Equity capital to assets | 9.5138% | 4,561 |
| Core capital (leverage) ratio | 9.0004% | 4,987 |
| Tier 1 risk-based capital ratio | 19.7209% | 1,788 |
| Total risk-based capital ratio | 21.0539% | 1,741 |
| Memoranda: | ||
| Average total assets | $27,203,000 | 6,706 |
| Average earning assets | $25,855,330 | 6,657 |
| Average equity | $2,575,000 | 6,737 |
| Average total loans | $12,243,000 | 6,621 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 5,403 |
| Cost of funding earning assets | 0.5481% | 3,592 |
| Net interest margin | 3.0692% | 5,369 |
| Noninterest income to average assets | 0.4440% | 4,149 |
| Noninterest expense to average assets | 2.2350% | 5,598 |
| Loan and lease loss provision to assets | 0.1036% | 2,953 |
| Net operating income to assets | 0.7549% | 3,409 |
| Return on assets (ROA) | 0.7549% | 3,550 |
| Pretax return on assets | 1.0065% | 3,318 |
| Return on Equity (ROE) | 7.9953% | 2,975 |
| Retained earnings to average equity (ytd only) | 7.9953% | 1,752 |
| Net charge-offs to loans | -0.0989% | 6,441 |
| Credit loss provision to net charge-offs | -233.3333% | 5,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8142% | 4,518 |
| Assets per employee ($millions) | 5.7052% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 1,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 40.5209% | 5,955 |
| Net loans and leases to deposits | 44.7607% | 6,137 |
| Net loans and leases to core deposits | 44.7607% | 6,274 |
| Total domestic deposits to total assets | 90.5279% | 755 |
| Equity capital to assets | 9.0023% | 5,478 |
| Core capital (leverage) ratio | 8.5599% | 5,499 |
| Tier 1 risk-based capital ratio | 20.0195% | 1,763 |
| Total risk-based capital ratio | 21.3514% | 1,713 |
| Memoranda: | ||
| Average total assets | $27,024,500 | 6,774 |
| Average earning assets | $25,544,500 | 6,732 |
| Average equity | $2,551,500 | 6,800 |
| Average total loans | $12,134,500 | 6,693 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 4,789 |
| Cost of funding earning assets | 0.7383% | 3,178 |
| Net interest margin | 3.4050% | 4,865 |
| Noninterest income to average assets | 0.5078% | 3,845 |
| Noninterest expense to average assets | 2.4200% | 5,354 |
| Loan and lease loss provision to assets | 0.1228% | 4,084 |
| Net operating income to assets | 0.9295% | 2,650 |
| Return on assets (ROA) | 0.9295% | 2,899 |
| Pretax return on assets | 1.1752% | 2,885 |
| Return on Equity (ROE) | 8.9766% | 2,645 |
| Retained earnings to average equity (ytd only) | 3.0449% | 4,092 |
| Net charge-offs to loans | 0.0161% | 5,686 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 158.5000% | 264 |
| Efficiency ratio | 65.0881% | 4,687 |
| Assets per employee ($millions) | 5.1046% | 2,091 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 2,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 47.9176% | 5,425 |
| Net loans and leases to deposits | 53.5464% | 5,690 |
| Net loans and leases to core deposits | 53.5464% | 5,909 |
| Total domestic deposits to total assets | 89.4879% | 1,251 |
| Equity capital to assets | 9.9322% | 4,264 |
| Core capital (leverage) ratio | 9.6541% | 3,884 |
| Tier 1 risk-based capital ratio | 19.2228% | 1,887 |
| Total risk-based capital ratio | 20.5526% | 1,843 |
| Memoranda: | ||
| Average total assets | $24,421,400 | 6,883 |
| Average earning assets | $23,024,800 | 6,836 |
| Average equity | $2,528,800 | 6,875 |
| Average total loans | $12,389,800 | 6,762 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 4,874 |
| Cost of funding earning assets | 0.7713% | 3,174 |
| Net interest margin | 3.4124% | 4,991 |
| Noninterest income to average assets | 0.5135% | 3,836 |
| Noninterest expense to average assets | 2.4462% | 5,250 |
| Loan and lease loss provision to assets | 0.1270% | 3,959 |
| Net operating income to assets | 0.9111% | 2,925 |
| Return on assets (ROA) | 0.9111% | 3,155 |
| Pretax return on assets | 1.1651% | 3,109 |
| Return on Equity (ROE) | 8.7047% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.7047% | 1,345 |
| Net charge-offs to loans | 0.0431% | 5,049 |
| Credit loss provision to net charge-offs | 575.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 58.5347% | 663 |
| Efficiency ratio | 65.4357% | 4,552 |
| Assets per employee ($millions) | 4.9842% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 2,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.6578% | 5,470 |
| Net loans and leases to deposits | 54.7795% | 5,738 |
| Net loans and leases to core deposits | 54.7795% | 5,985 |
| Total domestic deposits to total assets | 88.8247% | 1,524 |
| Equity capital to assets | 10.5333% | 3,805 |
| Core capital (leverage) ratio | 10.3830% | 3,059 |
| Tier 1 risk-based capital ratio | 20.0642% | 1,739 |
| Total risk-based capital ratio | 21.3953% | 1,690 |
| Memoranda: | ||
| Average total assets | $24,146,000 | 6,978 |
| Average earning assets | $22,818,000 | 6,929 |
| Average equity | $2,527,250 | 6,963 |
| Average total loans | $12,371,000 | 6,856 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 4,781 |
| Cost of funding earning assets | 0.8170% | 3,062 |
| Net interest margin | 3.4277% | 4,982 |
| Noninterest income to average assets | 0.5610% | 3,521 |
| Noninterest expense to average assets | 2.4699% | 5,237 |
| Loan and lease loss provision to assets | 0.1256% | 3,953 |
| Net operating income to assets | 0.9210% | 2,802 |
| Return on assets (ROA) | 0.9210% | 3,073 |
| Pretax return on assets | 1.1973% | 2,938 |
| Return on Equity (ROE) | 8.8188% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.8188% | 1,338 |
| Net charge-offs to loans | 0.1131% | 4,046 |
| Credit loss provision to net charge-offs | 214.2857% | 1,318 |
| Earnings coverage of net charge-offs (x) | 22.5714% | 1,294 |
| Efficiency ratio | 65.1214% | 4,702 |
| Assets per employee ($millions) | 4.8978% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.2462% | 5,590 |
| Net loans and leases to deposits | 54.2595% | 5,842 |
| Net loans and leases to core deposits | 54.2595% | 6,076 |
| Total domestic deposits to total assets | 88.9175% | 1,562 |
| Equity capital to assets | 10.4578% | 3,734 |
| Core capital (leverage) ratio | 10.1199% | 3,248 |
| Tier 1 risk-based capital ratio | 20.1499% | 1,676 |
| Total risk-based capital ratio | 21.4839% | 1,621 |
| Memoranda: | ||
| Average total assets | $23,887,670 | 7,042 |
| Average earning assets | $22,522,330 | 6,998 |
| Average equity | $2,494,670 | 7,017 |
| Average total loans | $12,377,330 | 6,906 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 4,698 |
| Cost of funding earning assets | 0.8618% | 2,976 |
| Net interest margin | 3.4472% | 4,924 |
| Noninterest income to average assets | 0.5257% | 3,733 |
| Noninterest expense to average assets | 2.4929% | 5,171 |
| Loan and lease loss provision to assets | 0.1357% | 3,651 |
| Net operating income to assets | 0.8649% | 3,078 |
| Return on assets (ROA) | 0.8649% | 3,310 |
| Pretax return on assets | 1.1532% | 3,096 |
| Return on Equity (ROE) | 8.2876% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.2876% | 1,864 |
| Net charge-offs to loans | 0.2231% | 2,808 |
| Credit loss provision to net charge-offs | 114.2857% | 2,067 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 1,725 |
| Efficiency ratio | 65.9193% | 4,565 |
| Assets per employee ($millions) | 4.9340% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 3,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 47.8395% | 5,576 |
| Net loans and leases to deposits | 53.5457% | 5,855 |
| Net loans and leases to core deposits | 53.5457% | 6,093 |
| Total domestic deposits to total assets | 89.3433% | 1,457 |
| Equity capital to assets | 10.0689% | 4,044 |
| Core capital (leverage) ratio | 9.8243% | 3,606 |
| Tier 1 risk-based capital ratio | 19.5146% | 1,834 |
| Total risk-based capital ratio | 20.8466% | 1,791 |
| Memoranda: | ||
| Average total assets | $23,587,000 | 7,109 |
| Average earning assets | $22,279,000 | 7,069 |
| Average equity | $2,461,500 | 7,074 |
| Average total loans | $12,551,000 | 6,956 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 4,132 |
| Cost of funding earning assets | 0.9771% | 3,525 |
| Net interest margin | 3.7510% | 4,076 |
| Noninterest income to average assets | 0.5866% | 3,244 |
| Noninterest expense to average assets | 2.6286% | 4,992 |
| Loan and lease loss provision to assets | 0.1343% | 4,936 |
| Net operating income to assets | 1.0533% | 1,994 |
| Return on assets (ROA) | 1.0568% | 2,120 |
| Pretax return on assets | 1.3524% | 1,944 |
| Return on Equity (ROE) | 9.8391% | 2,110 |
| Retained earnings to average equity (ytd only) | 3.5854% | 3,673 |
| Net charge-offs to loans | 0.1027% | 5,328 |
| Credit loss provision to net charge-offs | 230.7692% | 1,052 |
| Earnings coverage of net charge-offs (x) | 25.4615% | 972 |
| Efficiency ratio | 63.9434% | 5,141 |
| Assets per employee ($millions) | 4.5008% | 2,911 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,660 |
| Loan loss allowance to noncurrent loans | 2,587.5000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 6,879 |
| Noncurrent loans to loans | 0.0611% | 6,666 |
| Net loans and leases to total assets | 57.2565% | 4,505 |
| Net loans and leases to deposits | 67.4007% | 4,526 |
| Net loans and leases to core deposits | 67.4007% | 5,107 |
| Total domestic deposits to total assets | 84.9493% | 3,880 |
| Equity capital to assets | 10.8381% | 3,151 |
| Core capital (leverage) ratio | 10.5589% | 2,649 |
| Tier 1 risk-based capital ratio | 17.9108% | 2,226 |
| Total risk-based capital ratio | 19.2367% | 2,170 |
| Memoranda: | ||
| Average total assets | $22,331,000 | 7,155 |
| Average earning assets | $20,981,000 | 7,124 |
| Average equity | $2,398,600 | 7,142 |
| Average total loans | $12,661,800 | 7,005 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 4,292 |
| Cost of funding earning assets | 1.0125% | 3,594 |
| Net interest margin | 3.7252% | 4,224 |
| Noninterest income to average assets | 0.5743% | 3,340 |
| Noninterest expense to average assets | 2.5724% | 5,188 |
| Loan and lease loss provision to assets | 0.1376% | 4,716 |
| Net operating income to assets | 1.0482% | 2,147 |
| Return on assets (ROA) | 1.0529% | 2,272 |
| Pretax return on assets | 1.3699% | 2,040 |
| Return on Equity (ROE) | 9.8246% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.8246% | 892 |
| Net charge-offs to loans | 0.1169% | 4,854 |
| Credit loss provision to net charge-offs | 209.0909% | 1,390 |
| Earnings coverage of net charge-offs (x) | 22.8125% | 1,139 |
| Efficiency ratio | 63.1424% | 5,207 |
| Assets per employee ($millions) | 4.3696% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,986 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 6,951 |
| Noncurrent loans to loans | 0.0682% | 6,757 |
| Net loans and leases to total assets | 59.4562% | 4,242 |
| Net loans and leases to deposits | 67.8010% | 4,643 |
| Net loans and leases to core deposits | 67.8010% | 5,198 |
| Total domestic deposits to total assets | 87.6922% | 2,241 |
| Equity capital to assets | 11.5937% | 2,595 |
| Core capital (leverage) ratio | 11.1458% | 2,286 |
| Tier 1 risk-based capital ratio | 18.9639% | 1,950 |
| Total risk-based capital ratio | 20.2922% | 1,896 |
| Memoranda: | ||
| Average total assets | $22,287,750 | 7,228 |
| Average earning assets | $20,938,000 | 7,201 |
| Average equity | $2,388,500 | 7,215 |
| Average total loans | $12,554,250 | 7,079 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 4,627 |
| Cost of funding earning assets | 1.0367% | 3,687 |
| Net interest margin | 3.6427% | 4,550 |
| Noninterest income to average assets | 0.5527% | 3,460 |
| Noninterest expense to average assets | 2.5497% | 5,355 |
| Loan and lease loss provision to assets | 0.1337% | 4,629 |
| Net operating income to assets | 0.9739% | 2,340 |
| Return on assets (ROA) | 0.9806% | 2,410 |
| Pretax return on assets | 1.2927% | 2,158 |
| Return on Equity (ROE) | 9.4004% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.4004% | 988 |
| Net charge-offs to loans | -0.0324% | 6,941 |
| Credit loss provision to net charge-offs | -750.0000% | 6,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2697% | 5,188 |
| Assets per employee ($millions) | 4.4656% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 3,471 |
| Loan loss allowance to noncurrent loans | 862.5000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 6,826 |
| Noncurrent loans to loans | 0.1920% | 6,523 |
| Net loans and leases to total assets | 55.0654% | 5,136 |
| Net loans and leases to deposits | 62.1902% | 5,480 |
| Net loans and leases to core deposits | 62.1902% | 5,884 |
| Total domestic deposits to total assets | 88.5435% | 1,824 |
| Equity capital to assets | 10.8653% | 3,108 |
| Core capital (leverage) ratio | 10.5704% | 2,646 |
| Tier 1 risk-based capital ratio | 19.0311% | 1,836 |
| Total risk-based capital ratio | 20.3611% | 1,772 |
| Memoranda: | ||
| Average total assets | $22,434,330 | 7,297 |
| Average earning assets | $21,028,330 | 7,270 |
| Average equity | $2,340,330 | 7,280 |
| Average total loans | $12,342,000 | 7,153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 4,735 |
| Cost of funding earning assets | 1.0297% | 3,992 |
| Net interest margin | 3.6230% | 4,470 |
| Noninterest income to average assets | 0.5158% | 3,758 |
| Noninterest expense to average assets | 2.4725% | 5,656 |
| Loan and lease loss provision to assets | 0.1423% | 4,229 |
| Net operating income to assets | 0.9474% | 2,369 |
| Return on assets (ROA) | 0.9605% | 2,382 |
| Pretax return on assets | 1.2985% | 2,049 |
| Return on Equity (ROE) | 9.4015% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.4015% | 1,265 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4703% | 5,446 |
| Assets per employee ($millions) | 4.6464% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 6,971 |
| Noncurrent loans to loans | 0.1528% | 6,671 |
| Net loans and leases to total assets | 49.8450% | 5,867 |
| Net loans and leases to deposits | 55.7079% | 6,159 |
| Net loans and leases to core deposits | 55.7079% | 6,438 |
| Total domestic deposits to total assets | 89.4757% | 1,495 |
| Equity capital to assets | 9.9776% | 3,803 |
| Core capital (leverage) ratio | 9.8664% | 3,319 |
| Tier 1 risk-based capital ratio | 18.8594% | 1,843 |
| Total risk-based capital ratio | 20.1931% | 1,778 |
| Memoranda: | ||
| Average total assets | $22,487,500 | 7,350 |
| Average earning assets | $20,977,000 | 7,321 |
| Average equity | $2,297,500 | 7,339 |
| Average total loans | $12,262,000 | 7,214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 4,187 |
| Cost of funding earning assets | 1.3220% | 3,739 |
| Net interest margin | 3.7579% | 4,117 |
| Noninterest income to average assets | 0.6745% | 2,995 |
| Noninterest expense to average assets | 2.6841% | 5,061 |
| Loan and lease loss provision to assets | 0.1340% | 5,833 |
| Net operating income to assets | 1.0441% | 1,895 |
| Return on assets (ROA) | 1.0441% | 1,994 |
| Pretax return on assets | 1.3629% | 1,759 |
| Return on Equity (ROE) | 9.8785% | 1,976 |
| Retained earnings to average equity (ytd only) | 3.3220% | 3,540 |
| Net charge-offs to loans | 0.1286% | 5,617 |
| Credit loss provision to net charge-offs | 181.2500% | 1,822 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,014 |
| Efficiency ratio | 64.1989% | 5,311 |
| Assets per employee ($millions) | 4.3486% | 3,113 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 4,064 |
| Loan loss allowance to noncurrent loans | 1,266.6667% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 7,055 |
| Noncurrent loans to loans | 0.1177% | 6,848 |
| Net loans and leases to total assets | 57.7473% | 5,064 |
| Net loans and leases to deposits | 65.3584% | 5,472 |
| Net loans and leases to core deposits | 65.3584% | 5,939 |
| Total domestic deposits to total assets | 88.3549% | 2,037 |
| Equity capital to assets | 10.4723% | 3,182 |
| Core capital (leverage) ratio | 10.1818% | 2,887 |
| Tier 1 risk-based capital ratio | 17.7608% | 2,076 |
| Total risk-based capital ratio | 19.0153% | 2,038 |
| Memoranda: | ||
| Average total assets | $21,645,800 | 7,432 |
| Average earning assets | $20,197,200 | 7,397 |
| Average equity | $2,287,800 | 7,456 |
| Average total loans | $12,444,800 | 7,278 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 4,613 |
| Cost of funding earning assets | 1.3695% | 3,784 |
| Net interest margin | 3.6739% | 4,528 |
| Noninterest income to average assets | 0.6722% | 3,001 |
| Noninterest expense to average assets | 2.6085% | 5,291 |
| Loan and lease loss provision to assets | 0.1357% | 5,675 |
| Net operating income to assets | 1.0915% | 1,915 |
| Return on assets (ROA) | 1.0915% | 2,024 |
| Pretax return on assets | 1.3690% | 1,973 |
| Return on Equity (ROE) | 10.3030% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.3030% | 728 |
| Net charge-offs to loans | 0.1401% | 5,181 |
| Credit loss provision to net charge-offs | 169.2308% | 2,196 |
| Earnings coverage of net charge-offs (x) | 18.7726% | 1,236 |
| Efficiency ratio | 63.4183% | 5,360 |
| Assets per employee ($millions) | 4.3306% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 4,246 |
| Loan loss allowance to noncurrent loans | 1,430.7692% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 7,195 |
| Noncurrent loans to loans | 0.1008% | 6,984 |
| Net loans and leases to total assets | 58.6847% | 5,155 |
| Net loans and leases to deposits | 67.7526% | 5,454 |
| Net loans and leases to core deposits | 67.7526% | 5,965 |
| Total domestic deposits to total assets | 86.6162% | 2,745 |
| Equity capital to assets | 11.1116% | 2,843 |
| Core capital (leverage) ratio | 10.9386% | 2,306 |
| Tier 1 risk-based capital ratio | 18.3929% | 1,904 |
| Total risk-based capital ratio | 19.6436% | 1,864 |
| Memoranda: | ||
| Average total assets | $21,621,500 | 7,522 |
| Average earning assets | $20,250,250 | 7,489 |
| Average equity | $2,290,500 | 7,550 |
| Average total loans | $12,369,500 | 7,379 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 5,137 |
| Cost of funding earning assets | 1.4255% | 3,713 |
| Net interest margin | 3.5341% | 5,114 |
| Noninterest income to average assets | 0.6756% | 2,842 |
| Noninterest expense to average assets | 2.6098% | 5,280 |
| Loan and lease loss provision to assets | 0.1296% | 5,585 |
| Net operating income to assets | 0.9810% | 2,260 |
| Return on assets (ROA) | 0.9810% | 2,346 |
| Pretax return on assets | 1.2401% | 2,291 |
| Return on Equity (ROE) | 9.4139% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.4139% | 982 |
| Net charge-offs to loans | 0.1804% | 4,525 |
| Credit loss provision to net charge-offs | 127.2727% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.4545% | 1,590 |
| Efficiency ratio | 65.5814% | 5,054 |
| Assets per employee ($millions) | 4.4538% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 3,949 |
| Loan loss allowance to noncurrent loans | 692.3077% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 7,096 |
| Noncurrent loans to loans | 0.2164% | 6,813 |
| Net loans and leases to total assets | 53.1411% | 6,097 |
| Net loans and leases to deposits | 60.6467% | 6,349 |
| Net loans and leases to core deposits | 60.6467% | 6,663 |
| Total domestic deposits to total assets | 87.6241% | 2,197 |
| Equity capital to assets | 10.4136% | 3,514 |
| Core capital (leverage) ratio | 10.4489% | 2,668 |
| Tier 1 risk-based capital ratio | 18.6631% | 1,792 |
| Total risk-based capital ratio | 19.9149% | 1,763 |
| Memoranda: | ||
| Average total assets | $21,611,000 | 7,587 |
| Average earning assets | $20,203,330 | 7,551 |
| Average equity | $2,252,000 | 7,617 |
| Average total loans | $12,195,000 | 7,446 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 4,863 |
| Cost of funding earning assets | 1.5019% | 3,540 |
| Net interest margin | 3.5316% | 5,030 |
| Noninterest income to average assets | 0.6578% | 2,892 |
| Noninterest expense to average assets | 2.6501% | 5,142 |
| Loan and lease loss provision to assets | 0.1316% | 5,257 |
| Net operating income to assets | 0.9022% | 2,535 |
| Return on assets (ROA) | 0.9022% | 2,608 |
| Pretax return on assets | 1.1465% | 2,566 |
| Return on Equity (ROE) | 8.6545% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.6545% | 1,492 |
| Net charge-offs to loans | 0.2930% | 3,239 |
| Credit loss provision to net charge-offs | 77.7778% | 3,935 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,068 |
| Efficiency ratio | 67.4641% | 4,824 |
| Assets per employee ($millions) | 4.3214% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,937 |
| Loan loss allowance to noncurrent loans | 500.0000% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 7,072 |
| Noncurrent loans to loans | 0.2988% | 6,724 |
| Net loans and leases to total assets | 53.4040% | 6,102 |
| Net loans and leases to deposits | 60.7924% | 6,383 |
| Net loans and leases to core deposits | 60.7924% | 6,686 |
| Total domestic deposits to total assets | 87.8465% | 2,141 |
| Equity capital to assets | 10.3809% | 3,366 |
| Core capital (leverage) ratio | 10.2144% | 2,916 |
| Tier 1 risk-based capital ratio | 18.6928% | 1,795 |
| Total risk-based capital ratio | 19.9530% | 1,757 |
| Memoranda: | ||
| Average total assets | $21,282,000 | 7,690 |
| Average earning assets | $19,708,000 | 7,663 |
| Average equity | $2,218,500 | 7,711 |
| Average total loans | $12,285,500 | 7,533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6698% | 3,255 |
| Cost of funding earning assets | 1.8354% | 3,810 |
| Net interest margin | 3.8344% | 3,555 |
| Noninterest income to average assets | 0.7848% | 2,479 |
| Noninterest expense to average assets | 2.8890% | 4,570 |
| Loan and lease loss provision to assets | 0.4611% | 4,064 |
| Net operating income to assets | 0.8638% | 2,300 |
| Return on assets (ROA) | 0.9270% | 2,148 |
| Pretax return on assets | 1.0742% | 2,327 |
| Return on Equity (ROE) | 8.5917% | 2,167 |
| Retained earnings to average equity (ytd only) | 2.9094% | 3,136 |
| Net charge-offs to loans | 0.8010% | 2,824 |
| Credit loss provision to net charge-offs | 94.0000% | 5,850 |
| Earnings coverage of net charge-offs (x) | 2.9800% | 3,586 |
| Efficiency ratio | 66.4036% | 5,309 |
| Assets per employee ($millions) | 4.1914% | 3,455 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,360 |
| Loan loss allowance to noncurrent loans | 465.7895% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 7,016 |
| Noncurrent loans to loans | 0.2956% | 6,688 |
| Net loans and leases to total assets | 60.5048% | 5,257 |
| Net loans and leases to deposits | 69.7010% | 5,643 |
| Net loans and leases to core deposits | 73.6396% | 6,556 |
| Total domestic deposits to total assets | 86.8063% | 2,604 |
| Equity capital to assets | 10.4691% | 3,218 |
| Core capital (leverage) ratio | 10.5225% | 2,585 |
| Tier 1 risk-based capital ratio | 17.0615% | 2,136 |
| Total risk-based capital ratio | 18.3872% | 2,073 |
| Memoranda: | ||
| Average total assets | $20,387,600 | 7,765 |
| Average earning assets | $18,960,000 | 7,734 |
| Average equity | $2,199,800 | 7,803 |
| Average total loans | $12,484,800 | 7,578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 3,416 |
| Cost of funding earning assets | 1.9088% | 3,833 |
| Net interest margin | 3.7754% | 3,758 |
| Noninterest income to average assets | 0.7837% | 2,519 |
| Noninterest expense to average assets | 2.8253% | 4,783 |
| Loan and lease loss provision to assets | 0.5071% | 3,356 |
| Net operating income to assets | 0.8137% | 2,748 |
| Return on assets (ROA) | 0.8957% | 2,508 |
| Pretax return on assets | 1.0801% | 2,640 |
| Return on Equity (ROE) | 8.2376% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.2376% | 1,064 |
| Net charge-offs to loans | 1.0867% | 1,833 |
| Credit loss provision to net charge-offs | 76.2376% | 5,859 |
| Earnings coverage of net charge-offs (x) | 2.2377% | 4,145 |
| Efficiency ratio | 65.4962% | 5,457 |
| Assets per employee ($millions) | 4.0340% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,837 |
| Loan loss allowance to noncurrent loans | 369.7674% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,987 |
| Noncurrent loans to loans | 0.3379% | 6,684 |
| Net loans and leases to total assets | 62.3004% | 5,192 |
| Net loans and leases to deposits | 71.6910% | 5,699 |
| Net loans and leases to core deposits | 76.8140% | 6,568 |
| Total domestic deposits to total assets | 86.9013% | 2,230 |
| Equity capital to assets | 11.2395% | 2,804 |
| Core capital (leverage) ratio | 11.0799% | 2,351 |
| Tier 1 risk-based capital ratio | 18.0693% | 1,966 |
| Total risk-based capital ratio | 19.3473% | 1,911 |
| Memoranda: | ||
| Average total assets | $20,245,250 | 7,842 |
| Average earning assets | $18,929,000 | 7,808 |
| Average equity | $2,201,250 | 7,884 |
| Average total loans | $12,391,750 | 7,655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 3,743 |
| Cost of funding earning assets | 1.9973% | 3,790 |
| Net interest margin | 3.6670% | 4,090 |
| Noninterest income to average assets | 0.7795% | 2,524 |
| Noninterest expense to average assets | 2.8416% | 4,770 |
| Loan and lease loss provision to assets | 0.4637% | 3,208 |
| Net operating income to assets | 0.7522% | 3,033 |
| Return on assets (ROA) | 0.8683% | 2,684 |
| Pretax return on assets | 1.0360% | 2,857 |
| Return on Equity (ROE) | 8.0759% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.0759% | 1,185 |
| Net charge-offs to loans | 1.5146% | 1,254 |
| Credit loss provision to net charge-offs | 50.5376% | 5,759 |
| Earnings coverage of net charge-offs (x) | 1.4839% | 4,419 |
| Efficiency ratio | 67.6056% | 5,226 |
| Assets per employee ($millions) | 4.1098% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,377 |
| Loan loss allowance to noncurrent loans | 311.3636% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 6,974 |
| Noncurrent loans to loans | 0.3636% | 6,603 |
| Net loans and leases to total assets | 58.2267% | 5,931 |
| Net loans and leases to deposits | 67.1474% | 6,276 |
| Net loans and leases to core deposits | 71.4073% | 6,940 |
| Total domestic deposits to total assets | 86.7147% | 2,397 |
| Equity capital to assets | 10.7061% | 3,199 |
| Core capital (leverage) ratio | 10.5784% | 2,744 |
| Tier 1 risk-based capital ratio | 18.0772% | 1,996 |
| Total risk-based capital ratio | 19.2030% | 1,970 |
| Memoranda: | ||
| Average total assets | $20,270,330 | 7,916 |
| Average earning assets | $18,925,670 | 7,886 |
| Average equity | $2,179,330 | 7,965 |
| Average total loans | $12,280,670 | 7,740 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 3,295 |
| Cost of funding earning assets | 2.0552% | 3,842 |
| Net interest margin | 3.7465% | 3,672 |
| Noninterest income to average assets | 0.7948% | 2,357 |
| Noninterest expense to average assets | 2.7420% | 4,818 |
| Loan and lease loss provision to assets | 0.3378% | 3,299 |
| Net operating income to assets | 0.9538% | 2,500 |
| Return on assets (ROA) | 0.9538% | 2,630 |
| Pretax return on assets | 1.1922% | 2,655 |
| Return on Equity (ROE) | 8.8520% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.8520% | 1,528 |
| Net charge-offs to loans | 1.5845% | 915 |
| Credit loss provision to net charge-offs | 34.6939% | 4,892 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 3,942 |
| Efficiency ratio | 64.1860% | 5,654 |
| Assets per employee ($millions) | 3.9882% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 4,518 |
| Loan loss allowance to noncurrent loans | 184.1463% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 6,263 |
| Noncurrent loans to loans | 0.6742% | 5,720 |
| Net loans and leases to total assets | 60.2327% | 5,617 |
| Net loans and leases to deposits | 69.8273% | 5,996 |
| Net loans and leases to core deposits | 80.5243% | 6,344 |
| Total domestic deposits to total assets | 86.2595% | 2,580 |
| Equity capital to assets | 10.9724% | 2,986 |
| Core capital (leverage) ratio | 10.7854% | 2,666 |
| Tier 1 risk-based capital ratio | 16.5138% | 2,510 |
| Total risk-based capital ratio | 17.6682% | 2,489 |
| Memoranda: | ||
| Average total assets | $20,131,000 | 7,970 |
| Average earning assets | $18,684,000 | 7,937 |
| Average equity | $2,169,000 | 8,018 |
| Average total loans | $12,370,000 | 7,785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2049% | 4,491 |
| Cost of funding earning assets | 2.6592% | 3,377 |
| Net interest margin | 3.5456% | 5,120 |
| Noninterest income to average assets | 0.9313% | 1,849 |
| Noninterest expense to average assets | 2.6695% | 5,384 |
| Loan and lease loss provision to assets | 0.2341% | 4,551 |
| Net operating income to assets | 1.0758% | 2,235 |
| Return on assets (ROA) | 1.0758% | 2,151 |
| Pretax return on assets | 1.2750% | 2,390 |
| Return on Equity (ROE) | 10.2031% | 2,186 |
| Retained earnings to average equity (ytd only) | 3.1176% | 3,213 |
| Net charge-offs to loans | 0.2157% | 4,054 |
| Credit loss provision to net charge-offs | 180.7692% | 2,781 |
| Earnings coverage of net charge-offs (x) | 11.6538% | 2,352 |
| Efficiency ratio | 63.8856% | 5,585 |
| Assets per employee ($millions) | 4.0642% | 3,384 |
| Cash dividends to net income (ytd only)* | 69.4444% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 2,897 |
| Loan loss allowance to noncurrent loans | 203.3333% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 5,887 |
| Noncurrent loans to loans | 0.7155% | 5,244 |
| Net loans and leases to total assets | 60.9960% | 5,770 |
| Net loans and leases to deposits | 74.3819% | 5,799 |
| Net loans and leases to core deposits | 86.7450% | 6,083 |
| Total domestic deposits to total assets | 82.0038% | 4,201 |
| Equity capital to assets | 10.5802% | 3,416 |
| Core capital (leverage) ratio | 10.6019% | 2,904 |
| Tier 1 risk-based capital ratio | 15.3835% | 2,885 |
| Total risk-based capital ratio | 16.7019% | 2,799 |
| Memoranda: | ||
| Average total assets | $20,078,400 | 8,009 |
| Average earning assets | $18,388,800 | 7,996 |
| Average equity | $2,117,000 | 8,099 |
| Average total loans | $12,055,800 | 7,829 |