Home > Bank of Prague > Performance and Condition Ratios
Bank of Prague, Performance and Condition Ratios
| 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 | 5.9894% | 646 |
| Cost of funding earning assets | 1.2419% | 2,685 |
| Net interest margin | 4.7475% | 447 |
| Noninterest income to average assets | 1.8000% | 303 |
| Noninterest expense to average assets | 3.3299% | 719 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 2.7152% | 203 |
| Return on assets (ROA) | 2.7152% | 201 |
| Pretax return on assets | 2.7152% | 276 |
| Return on Equity (ROE) | 23.8000% | 361 |
| Retained earnings to average equity (ytd only) | 13.7095% | 429 |
| Net charge-offs to loans | 0.6248% | 158 |
| Credit loss provision to net charge-offs | 88.8158% | 1,959 |
| Earnings coverage of net charge-offs (x) | 7.7763% | 2,382 |
| Efficiency ratio | 52.0681% | 3,827 |
| Assets per employee ($millions) | 6.6463% | 2,306 |
| Cash dividends to net income (ytd only)* | 42.4069% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 1,432 |
| Loan loss allowance to noncurrent loans | 253.0612% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 1,499 |
| Noncurrent loans to loans | 0.5476% | 1,434 |
| Net loans and leases to total assets | 66.3800% | 2,216 |
| Net loans and leases to deposits | 75.8627% | 2,466 |
| Net loans and leases to core deposits | 76.7714% | 2,927 |
| Total domestic deposits to total assets | 87.5000% | 1,516 |
| Equity capital to assets | 12.3201% | 1,028 |
| Core capital (leverage) ratio | 13.3198% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $38,560,200 | 4,404 |
| Average earning assets | $37,282,400 | 4,362 |
| Average equity | $4,398,400 | 4,315 |
| Average total loans | $24,327,400 | 4,228 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8774% | 622 |
| Cost of funding earning assets | 1.1480% | 2,595 |
| Net interest margin | 4.7294% | 444 |
| Noninterest income to average assets | 1.7400% | 341 |
| Noninterest expense to average assets | 3.2992% | 723 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 2.5354% | 262 |
| Return on assets (ROA) | 2.5354% | 256 |
| Pretax return on assets | 2.5354% | 370 |
| Return on Equity (ROE) | 22.7000% | 510 |
| Retained earnings to average equity (ytd only) | 12.9591% | 819 |
| Net charge-offs to loans | 0.7595% | 119 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 6.3852% | 2,295 |
| Efficiency ratio | 52.3230% | 3,734 |
| Assets per employee ($millions) | 5.4424% | 3,229 |
| Cash dividends to net income (ytd only)* | 42.9161% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,040 |
| Loan loss allowance to noncurrent loans | 264.6259% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 1,493 |
| Noncurrent loans to loans | 0.5773% | 1,390 |
| Net loans and leases to total assets | 65.8200% | 2,261 |
| Net loans and leases to deposits | 74.5636% | 2,522 |
| Net loans and leases to core deposits | 75.4862% | 2,900 |
| Total domestic deposits to total assets | 88.2700% | 1,486 |
| Equity capital to assets | 11.5048% | 1,178 |
| Core capital (leverage) ratio | 13.0714% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $38,230,750 | 4,426 |
| Average earning assets | $36,931,500 | 4,386 |
| Average equity | $4,269,750 | 4,337 |
| Average total loans | $23,698,750 | 4,257 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7731% | 574 |
| Cost of funding earning assets | 1.0875% | 2,323 |
| Net interest margin | 4.6856% | 467 |
| Noninterest income to average assets | 1.3400% | 372 |
| Noninterest expense to average assets | 3.8406% | 388 |
| Loan and lease loss provision to assets | 0.7100% | 103 |
| Net operating income to assets | 1.3168% | 1,525 |
| Return on assets (ROA) | 1.3168% | 1,510 |
| Pretax return on assets | 1.3168% | 2,030 |
| Return on Equity (ROE) | 11.9100% | 2,179 |
| Retained earnings to average equity (ytd only) | -2.8355% | 4,335 |
| Net charge-offs to loans | 1.1683% | 75 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 2.8667% | 2,295 |
| Efficiency ratio | 65.5080% | 2,310 |
| Assets per employee ($millions) | 4.7718% | 3,774 |
| Cash dividends to net income (ytd only)* | 123.8095% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 860 |
| Loan loss allowance to noncurrent loans | 301.5504% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 1,568 |
| Noncurrent loans to loans | 0.5435% | 1,368 |
| Net loans and leases to total assets | 61.1600% | 2,650 |
| Net loans and leases to deposits | 68.6809% | 2,885 |
| Net loans and leases to core deposits | 69.5215% | 3,157 |
| Total domestic deposits to total assets | 89.0400% | 1,246 |
| Equity capital to assets | 10.7639% | 1,477 |
| Core capital (leverage) ratio | 11.5049% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $38,275,333 | 4,449 |
| Average earning assets | $36,964,333 | 4,410 |
| Average equity | $4,232,000 | 4,369 |
| Average total loans | $23,110,333 | 4,284 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 475 |
| Cost of funding earning assets | 0.9876% | 2,087 |
| Net interest margin | 4.6777% | 461 |
| Noninterest income to average assets | 1.3800% | 362 |
| Noninterest expense to average assets | 2.7031% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.1728% | 138 |
| Return on assets (ROA) | 3.1728% | 138 |
| Pretax return on assets | 3.1728% | 175 |
| Return on Equity (ROE) | 28.3200% | 275 |
| Retained earnings to average equity (ytd only) | 12.4840% | 1,180 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.0036% | 4,215 |
| Assets per employee ($millions) | 4.9094% | 3,724 |
| Cash dividends to net income (ytd only)* | 55.9211% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 739 |
| Loan loss allowance to noncurrent loans | 607.8125% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 2,369 |
| Noncurrent loans to loans | 0.2860% | 2,122 |
| Net loans and leases to total assets | 55.9900% | 3,041 |
| Net loans and leases to deposits | 63.1682% | 3,154 |
| Net loans and leases to core deposits | 63.9172% | 3,349 |
| Total domestic deposits to total assets | 88.6400% | 1,687 |
| Equity capital to assets | 11.2285% | 1,258 |
| Core capital (leverage) ratio | 11.8017% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $38,326,000 | 4,518 |
| Average earning assets | $36,855,500 | 4,481 |
| Average equity | $4,293,500 | 4,422 |
| Average total loans | $22,798,000 | 4,353 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 980 |
| Cost of funding earning assets | 0.4045% | 2,057 |
| Net interest margin | 3.9374% | 881 |
| Noninterest income to average assets | 1.7900% | 285 |
| Noninterest expense to average assets | 3.3756% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2016% | 212 |
| Return on assets (ROA) | 2.2016% | 203 |
| Pretax return on assets | 2.2016% | 318 |
| Return on Equity (ROE) | 19.9500% | 486 |
| Retained earnings to average equity (ytd only) | 5.3079% | 2,920 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.5251% | 2,981 |
| Assets per employee ($millions) | 4.6721% | 3,920 |
| Cash dividends to net income (ytd only)* | 73.3978% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 829 |
| Loan loss allowance to noncurrent loans | 598.4615% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 2,330 |
| Noncurrent loans to loans | 0.2800% | 2,151 |
| Net loans and leases to total assets | 61.0700% | 2,545 |
| Net loans and leases to deposits | 68.8193% | 2,677 |
| Net loans and leases to core deposits | 69.6764% | 2,901 |
| Total domestic deposits to total assets | 88.7400% | 1,801 |
| Equity capital to assets | 11.1753% | 1,192 |
| Core capital (leverage) ratio | 11.8672% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $37,563,400 | 4,552 |
| Average earning assets | $36,089,600 | 4,515 |
| Average equity | $4,144,800 | 4,517 |
| Average total loans | $22,937,600 | 4,360 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 1,151 |
| Cost of funding earning assets | 0.3361% | 1,810 |
| Net interest margin | 3.7192% | 1,095 |
| Noninterest income to average assets | 1.6800% | 322 |
| Noninterest expense to average assets | 3.1587% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0880% | 252 |
| Return on assets (ROA) | 2.0880% | 252 |
| Pretax return on assets | 2.0880% | 392 |
| Return on Equity (ROE) | 18.9800% | 529 |
| Retained earnings to average equity (ytd only) | 8.0254% | 1,989 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.2027% | 3,090 |
| Assets per employee ($millions) | 5.0379% | 3,639 |
| Cash dividends to net income (ytd only)* | 57.7250% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 751 |
| Loan loss allowance to noncurrent loans | 5,557.1429% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 3,782 |
| Noncurrent loans to loans | 0.0321% | 3,665 |
| Net loans and leases to total assets | 53.1000% | 3,180 |
| Net loans and leases to deposits | 58.9878% | 3,283 |
| Net loans and leases to core deposits | 59.6554% | 3,407 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 9.9075% | 1,667 |
| Core capital (leverage) ratio | 11.8769% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9266% | 1,002 |
| Memoranda: | ||
| Average total assets | $37,610,000 | 4,586 |
| Average earning assets | $36,100,000 | 4,552 |
| Average equity | $4,136,750 | 4,566 |
| Average total loans | $22,868,250 | 4,392 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 1,455 |
| Cost of funding earning assets | 0.3197% | 1,530 |
| Net interest margin | 3.4159% | 1,552 |
| Noninterest income to average assets | 1.3565% | 389 |
| Noninterest expense to average assets | 3.5846% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0896% | 1,814 |
| Return on assets (ROA) | 1.0896% | 1,797 |
| Pretax return on assets | 1.0896% | 2,444 |
| Return on Equity (ROE) | 9.5587% | 2,503 |
| Retained earnings to average equity (ytd only) | -3.1544% | 4,461 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6900% | 1,205 |
| Assets per employee ($millions) | 4.7906% | 3,852 |
| Cash dividends to net income (ytd only)* | 133.0000% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,031 |
| Loan loss allowance to noncurrent loans | 694.6429% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,698 |
| Noncurrent loans to loans | 0.2390% | 2,525 |
| Net loans and leases to total assets | 60.1226% | 2,315 |
| Net loans and leases to deposits | 67.0840% | 2,461 |
| Net loans and leases to core deposits | 67.8884% | 2,663 |
| Total domestic deposits to total assets | 89.6230% | 1,889 |
| Equity capital to assets | 10.3066% | 1,532 |
| Core capital (leverage) ratio | 11.2399% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,712,333 | 4,635 |
| Average earning assets | $35,656,333 | 4,612 |
| Average equity | $4,184,667 | 4,601 |
| Average total loans | $23,228,333 | 4,445 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 1,329 |
| Cost of funding earning assets | 0.3101% | 1,552 |
| Net interest margin | 3.3650% | 1,388 |
| Noninterest income to average assets | 1.3145% | 420 |
| Noninterest expense to average assets | 2.6068% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9718% | 237 |
| Return on assets (ROA) | 1.9718% | 240 |
| Pretax return on assets | 1.9718% | 385 |
| Return on Equity (ROE) | 16.4575% | 485 |
| Retained earnings to average equity (ytd only) | 1.2087% | 3,773 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9343% | 3,794 |
| Assets per employee ($millions) | 5.3047% | 3,482 |
| Cash dividends to net income (ytd only)* | 92.6554% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 889 |
| Loan loss allowance to noncurrent loans | 617.4603% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 2,599 |
| Noncurrent loans to loans | 0.2908% | 2,430 |
| Net loans and leases to total assets | 57.2887% | 2,382 |
| Net loans and leases to deposits | 64.6321% | 2,468 |
| Net loans and leases to core deposits | 65.4373% | 2,676 |
| Total domestic deposits to total assets | 88.6381% | 2,238 |
| Equity capital to assets | 11.3053% | 1,189 |
| Core capital (leverage) ratio | 11.7894% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,906,000 | 4,666 |
| Average earning assets | $34,829,500 | 4,642 |
| Average equity | $4,302,000 | 4,630 |
| Average total loans | $23,127,000 | 4,462 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 291 |
| Cost of funding earning assets | 0.3849% | 1,647 |
| Net interest margin | 4.5337% | 252 |
| Noninterest income to average assets | 1.7625% | 376 |
| Noninterest expense to average assets | 3.4658% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.6851% | 132 |
| Return on assets (ROA) | 2.6851% | 135 |
| Pretax return on assets | 2.6851% | 206 |
| Return on Equity (ROE) | 20.3378% | 292 |
| Retained earnings to average equity (ytd only) | 0.3136% | 4,412 |
| Net charge-offs to loans | 0.0443% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 90.8000% | 923 |
| Efficiency ratio | 56.3462% | 3,662 |
| Assets per employee ($millions) | 4.9541% | 3,772 |
| Cash dividends to net income (ytd only)* | 98.4581% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 1,310 |
| Loan loss allowance to noncurrent loans | 479.0123% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,393 |
| Noncurrent loans to loans | 0.3294% | 2,409 |
| Net loans and leases to total assets | 69.7944% | 1,064 |
| Net loans and leases to deposits | 80.0238% | 1,213 |
| Net loans and leases to core deposits | 81.1099% | 1,512 |
| Total domestic deposits to total assets | 87.2170% | 2,425 |
| Equity capital to assets | 12.7051% | 993 |
| Core capital (leverage) ratio | 12.6217% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,816,400 | 4,716 |
| Average earning assets | $32,733,000 | 4,694 |
| Average equity | $4,464,600 | 4,676 |
| Average total loans | $22,590,000 | 4,523 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 214 |
| Cost of funding earning assets | 0.3943% | 1,738 |
| Net interest margin | 4.8345% | 192 |
| Noninterest income to average assets | 1.6666% | 455 |
| Noninterest expense to average assets | 3.4284% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.9086% | 138 |
| Return on assets (ROA) | 2.9086% | 135 |
| Pretax return on assets | 2.9086% | 197 |
| Return on Equity (ROE) | 21.8186% | 315 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,712 |
| Net charge-offs to loans | -0.0060% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1014% | 3,799 |
| Assets per employee ($millions) | 4.8917% | 3,801 |
| Cash dividends to net income (ytd only)* | 83.4925% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 1,107 |
| Loan loss allowance to noncurrent loans | 597.0149% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 2,816 |
| Noncurrent loans to loans | 0.2846% | 2,776 |
| Net loans and leases to total assets | 67.5807% | 1,365 |
| Net loans and leases to deposits | 77.9815% | 1,487 |
| Net loans and leases to core deposits | 79.0551% | 1,816 |
| Total domestic deposits to total assets | 86.6626% | 2,483 |
| Equity capital to assets | 13.2323% | 924 |
| Core capital (leverage) ratio | 12.9670% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,600,750 | 4,789 |
| Average earning assets | $32,460,000 | 4,766 |
| Average equity | $4,479,250 | 4,742 |
| Average total loans | $22,089,500 | 4,594 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 114 |
| Cost of funding earning assets | 0.4169% | 1,750 |
| Net interest margin | 5.4008% | 109 |
| Noninterest income to average assets | 1.3059% | 679 |
| Noninterest expense to average assets | 4.0375% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4680% | 227 |
| Return on assets (ROA) | 2.4680% | 244 |
| Pretax return on assets | 2.4680% | 370 |
| Return on Equity (ROE) | 18.4671% | 600 |
| Retained earnings to average equity (ytd only) | 0.1793% | 4,483 |
| Net charge-offs to loans | -0.0093% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0626% | 2,720 |
| Assets per employee ($millions) | 4.3126% | 4,250 |
| Cash dividends to net income (ytd only)* | 99.0291% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 944 |
| 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 | 64.5286% | 1,890 |
| Net loans and leases to deposits | 74.0865% | 1,993 |
| Net loans and leases to core deposits | 75.0936% | 2,321 |
| Total domestic deposits to total assets | 87.0989% | 2,264 |
| Equity capital to assets | 12.8083% | 1,013 |
| Core capital (leverage) ratio | 12.5485% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,387,000 | 4,823 |
| Average earning assets | $32,143,333 | 4,802 |
| Average equity | $4,462,000 | 4,771 |
| Average total loans | $21,605,667 | 4,638 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 211 |
| Cost of funding earning assets | 0.4456% | 1,755 |
| Net interest margin | 4.9649% | 195 |
| Noninterest income to average assets | 1.3646% | 702 |
| Noninterest expense to average assets | 2.5221% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.5943% | 103 |
| Return on assets (ROA) | 3.5943% | 109 |
| Pretax return on assets | 3.5943% | 133 |
| Return on Equity (ROE) | 26.3187% | 221 |
| Retained earnings to average equity (ytd only) | 8.5647% | 2,070 |
| Net charge-offs to loans | -0.0190% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2351% | 4,701 |
| Assets per employee ($millions) | 5.6915% | 2,919 |
| Cash dividends to net income (ytd only)* | 67.4576% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 626 |
| 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 | 58.0983% | 2,788 |
| Net loans and leases to deposits | 67.0202% | 2,808 |
| Net loans and leases to core deposits | 67.9429% | 3,068 |
| Total domestic deposits to total assets | 86.6878% | 2,448 |
| Equity capital to assets | 13.2273% | 852 |
| Core capital (leverage) ratio | 13.2927% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,830,000 | 4,850 |
| Average earning assets | $31,420,500 | 4,825 |
| Average equity | $4,483,500 | 4,793 |
| Average total loans | $21,077,000 | 4,673 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 669 |
| Cost of funding earning assets | 0.6114% | 2,230 |
| Net interest margin | 4.2396% | 576 |
| Noninterest income to average assets | 1.6740% | 448 |
| Noninterest expense to average assets | 3.4999% | 690 |
| Loan and lease loss provision to assets | 0.1648% | 2,317 |
| Net operating income to assets | 2.0877% | 222 |
| Return on assets (ROA) | 2.0877% | 239 |
| Pretax return on assets | 2.0877% | 368 |
| Return on Equity (ROE) | 14.7921% | 668 |
| Retained earnings to average equity (ytd only) | 2.9767% | 3,368 |
| Net charge-offs to loans | 0.0143% | 2,839 |
| Credit loss provision to net charge-offs | 1,700.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 232.3333% | 424 |
| Efficiency ratio | 60.8427% | 3,342 |
| Assets per employee ($millions) | 4.5016% | 3,913 |
| Cash dividends to net income (ytd only)* | 79.8762% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 824 |
| 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 | 68.2777% | 1,788 |
| Net loans and leases to deposits | 79.6085% | 1,911 |
| Net loans and leases to core deposits | 80.8105% | 2,288 |
| Total domestic deposits to total assets | 85.7669% | 2,467 |
| Equity capital to assets | 14.1221% | 765 |
| Core capital (leverage) ratio | 13.7324% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,943,400 | 4,866 |
| Average earning assets | $29,766,800 | 4,843 |
| Average equity | $4,367,200 | 4,813 |
| Average total loans | $21,038,200 | 4,690 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 781 |
| Cost of funding earning assets | 0.6459% | 2,345 |
| Net interest margin | 4.2250% | 695 |
| Noninterest income to average assets | 1.5583% | 489 |
| Noninterest expense to average assets | 3.3634% | 834 |
| Loan and lease loss provision to assets | 0.1721% | 2,264 |
| Net operating income to assets | 2.0994% | 244 |
| Return on assets (ROA) | 2.0994% | 262 |
| Pretax return on assets | 2.0994% | 416 |
| Return on Equity (ROE) | 14.8775% | 715 |
| Retained earnings to average equity (ytd only) | 5.7669% | 2,199 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6774% | 3,433 |
| Assets per employee ($millions) | 4.6373% | 3,674 |
| Cash dividends to net income (ytd only)* | 61.2371% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 736 |
| Loan loss allowance to noncurrent loans | 601.5385% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 3,436 |
| Noncurrent loans to loans | 0.2980% | 3,208 |
| Net loans and leases to total assets | 65.9900% | 2,521 |
| Net loans and leases to deposits | 76.7668% | 2,682 |
| Net loans and leases to core deposits | 78.6611% | 2,950 |
| Total domestic deposits to total assets | 85.9616% | 2,093 |
| Equity capital to assets | 13.8905% | 888 |
| Core capital (leverage) ratio | 13.8561% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,801,500 | 4,893 |
| Average earning assets | $29,726,750 | 4,871 |
| Average equity | $4,346,500 | 4,839 |
| Average total loans | $20,819,250 | 4,727 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 816 |
| Cost of funding earning assets | 0.6918% | 2,435 |
| Net interest margin | 4.3151% | 728 |
| Noninterest income to average assets | 1.2893% | 613 |
| Noninterest expense to average assets | 3.9010% | 460 |
| Loan and lease loss provision to assets | 0.2645% | 1,607 |
| Net operating income to assets | 1.2893% | 1,387 |
| Return on assets (ROA) | 1.2893% | 1,498 |
| Pretax return on assets | 1.2893% | 2,070 |
| Return on Equity (ROE) | 9.0860% | 2,327 |
| Retained earnings to average equity (ytd only) | -1.9570% | 4,584 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5152% | 1,760 |
| Assets per employee ($millions) | 4.4823% | 3,809 |
| Cash dividends to net income (ytd only)* | 121.5385% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 537 |
| Loan loss allowance to noncurrent loans | 782.0000% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 3,726 |
| Noncurrent loans to loans | 0.2423% | 3,512 |
| Net loans and leases to total assets | 64.5111% | 2,818 |
| Net loans and leases to deposits | 74.7977% | 2,997 |
| Net loans and leases to core deposits | 76.7024% | 3,232 |
| Total domestic deposits to total assets | 86.2475% | 1,914 |
| Equity capital to assets | 13.6251% | 952 |
| Core capital (leverage) ratio | 13.4451% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,248,333 | 4,927 |
| Average earning assets | $29,199,667 | 4,903 |
| Average equity | $4,292,333 | 4,871 |
| Average total loans | $20,488,333 | 4,762 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 536 |
| Cost of funding earning assets | 0.7833% | 2,487 |
| Net interest margin | 4.5320% | 471 |
| Noninterest income to average assets | 1.2532% | 559 |
| Noninterest expense to average assets | 2.7354% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.8837% | 74 |
| Return on assets (ROA) | 2.8837% | 78 |
| Pretax return on assets | 2.8837% | 105 |
| Return on Equity (ROE) | 19.9023% | 169 |
| Retained earnings to average equity (ytd only) | 10.3232% | 682 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6811% | 4,726 |
| Assets per employee ($millions) | 4.2657% | 3,570 |
| Cash dividends to net income (ytd only)* | 48.1308% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 747 |
| Loan loss allowance to noncurrent loans | 675.0000% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,797 |
| Noncurrent loans to loans | 0.2630% | 3,552 |
| Net loans and leases to total assets | 65.0435% | 2,937 |
| Net loans and leases to deposits | 76.2484% | 3,047 |
| Net loans and leases to core deposits | 78.2956% | 3,333 |
| Total domestic deposits to total assets | 85.3048% | 2,289 |
| Equity capital to assets | 14.5579% | 874 |
| Core capital (leverage) ratio | 14.3299% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,684,500 | 4,973 |
| Average earning assets | $28,596,500 | 4,951 |
| Average equity | $4,301,000 | 4,910 |
| Average total loans | $20,416,500 | 4,798 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 501 |
| Cost of funding earning assets | 0.8372% | 2,500 |
| Net interest margin | 4.7288% | 438 |
| Noninterest income to average assets | 1.7803% | 309 |
| Noninterest expense to average assets | 3.7897% | 679 |
| Loan and lease loss provision to assets | 0.1215% | 1,743 |
| Net operating income to assets | 2.4363% | 146 |
| Return on assets (ROA) | 2.4363% | 155 |
| Pretax return on assets | 2.4363% | 235 |
| Return on Equity (ROE) | 16.7670% | 446 |
| Retained earnings to average equity (ytd only) | 1.4808% | 4,214 |
| Net charge-offs to loans | 0.0446% | 2,492 |
| Credit loss provision to net charge-offs | 388.8889% | 724 |
| Earnings coverage of net charge-offs (x) | 81.8889% | 778 |
| Efficiency ratio | 59.7048% | 3,739 |
| Assets per employee ($millions) | 4.2156% | 3,616 |
| Cash dividends to net income (ytd only)* | 91.1681% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 857 |
| 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 | 70.1786% | 2,372 |
| Net loans and leases to deposits | 82.1362% | 2,545 |
| Net loans and leases to core deposits | 84.3647% | 2,914 |
| Total domestic deposits to total assets | 85.4417% | 2,325 |
| Equity capital to assets | 14.4193% | 957 |
| Core capital (leverage) ratio | 14.3624% | 834 |
| Tier 1 risk-based capital ratio | 17.9088% | 1,784 |
| Total risk-based capital ratio | 19.1587% | 1,731 |
| Memoranda: | ||
| Average total assets | $28,814,600 | 5,040 |
| Average earning assets | $27,829,600 | 5,012 |
| Average equity | $4,186,800 | 4,969 |
| Average total loans | $20,173,400 | 4,859 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5482% | 541 |
| Cost of funding earning assets | 0.8317% | 2,558 |
| Net interest margin | 4.7164% | 483 |
| Noninterest income to average assets | 1.6619% | 346 |
| Noninterest expense to average assets | 3.5147% | 927 |
| Loan and lease loss provision to assets | 0.0931% | 2,047 |
| Net operating income to assets | 2.6209% | 138 |
| Return on assets (ROA) | 2.6209% | 146 |
| Pretax return on assets | 2.6209% | 198 |
| Return on Equity (ROE) | 18.0023% | 390 |
| Retained earnings to average equity (ytd only) | 3.1657% | 3,826 |
| Net charge-offs to loans | 0.0601% | 1,954 |
| Credit loss provision to net charge-offs | 222.2222% | 1,208 |
| Earnings coverage of net charge-offs (x) | 64.7758% | 1,010 |
| Efficiency ratio | 56.4275% | 4,120 |
| Assets per employee ($millions) | 4.1997% | 3,612 |
| Cash dividends to net income (ytd only)* | 82.4152% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 900 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 3,239 |
| Noncurrent loans to loans | 0.4722% | 2,883 |
| Net loans and leases to total assets | 68.0148% | 2,787 |
| Net loans and leases to deposits | 79.7821% | 2,925 |
| Net loans and leases to core deposits | 81.9400% | 3,249 |
| Total domestic deposits to total assets | 85.2507% | 2,322 |
| Equity capital to assets | 14.5758% | 960 |
| Core capital (leverage) ratio | 14.6667% | 822 |
| Tier 1 risk-based capital ratio | 18.4387% | 1,699 |
| Total risk-based capital ratio | 19.6883% | 1,668 |
| Memoranda: | ||
| Average total assets | $28,641,000 | 5,118 |
| Average earning assets | $27,732,250 | 5,089 |
| Average equity | $4,169,750 | 5,041 |
| Average total loans | $19,951,750 | 4,938 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4449% | 622 |
| Cost of funding earning assets | 0.8058% | 2,612 |
| Net interest margin | 4.6391% | 566 |
| Noninterest income to average assets | 1.2681% | 541 |
| Noninterest expense to average assets | 4.0791% | 484 |
| Loan and lease loss provision to assets | 0.0705% | 2,412 |
| Net operating income to assets | 1.6204% | 865 |
| Return on assets (ROA) | 1.6204% | 906 |
| Pretax return on assets | 1.6204% | 1,484 |
| Return on Equity (ROE) | 11.1344% | 1,924 |
| Retained earnings to average equity (ytd only) | -3.3403% | 4,982 |
| Net charge-offs to loans | 0.0605% | 1,777 |
| Credit loss provision to net charge-offs | 166.6667% | 1,382 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,244 |
| Efficiency ratio | 70.6960% | 2,123 |
| Assets per employee ($millions) | 4.1674% | 3,626 |
| Cash dividends to net income (ytd only)* | 130.0000% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 67.3145% | 2,920 |
| Net loans and leases to deposits | 78.4852% | 3,113 |
| Net loans and leases to core deposits | 80.6117% | 3,373 |
| Total domestic deposits to total assets | 85.7672% | 2,147 |
| Equity capital to assets | 14.1060% | 1,087 |
| Core capital (leverage) ratio | 14.2622% | 891 |
| Tier 1 risk-based capital ratio | 18.1328% | 1,772 |
| Total risk-based capital ratio | 19.3812% | 1,727 |
| Memoranda: | ||
| Average total assets | $28,388,670 | 5,163 |
| Average earning assets | $27,548,670 | 5,134 |
| Average equity | $4,131,330 | 5,083 |
| Average total loans | $19,825,330 | 4,983 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 746 |
| Cost of funding earning assets | 0.7792% | 2,641 |
| Net interest margin | 4.5284% | 698 |
| Noninterest income to average assets | 1.3287% | 485 |
| Noninterest expense to average assets | 2.9289% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.8003% | 100 |
| Return on assets (ROA) | 2.8003% | 110 |
| Pretax return on assets | 2.8003% | 155 |
| Return on Equity (ROE) | 18.9395% | 331 |
| Retained earnings to average equity (ytd only) | -1.6427% | 4,715 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1222% | 4,753 |
| Assets per employee ($millions) | 4.0206% | 3,891 |
| Cash dividends to net income (ytd only)* | 108.6735% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 934 |
| Loan loss allowance to noncurrent loans | 445.2055% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 3,578 |
| Noncurrent loans to loans | 0.3734% | 3,250 |
| Net loans and leases to total assets | 68.3059% | 2,714 |
| Net loans and leases to deposits | 80.2270% | 2,814 |
| Net loans and leases to core deposits | 82.4817% | 3,148 |
| Total domestic deposits to total assets | 85.1407% | 2,631 |
| Equity capital to assets | 14.7314% | 815 |
| Core capital (leverage) ratio | 14.6131% | 784 |
| Tier 1 risk-based capital ratio | 19.4439% | 1,453 |
| Total risk-based capital ratio | 20.6949% | 1,429 |
| Memoranda: | ||
| Average total assets | $27,997,000 | 5,222 |
| Average earning assets | $27,206,000 | 5,195 |
| Average equity | $4,139,500 | 5,130 |
| Average total loans | $19,755,000 | 5,043 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2104% | 688 |
| Cost of funding earning assets | 0.6397% | 2,463 |
| Net interest margin | 4.5707% | 651 |
| Noninterest income to average assets | 2.0188% | 267 |
| Noninterest expense to average assets | 3.6924% | 781 |
| Loan and lease loss provision to assets | 0.3940% | 354 |
| Net operating income to assets | 2.3565% | 196 |
| Return on assets (ROA) | 2.3565% | 190 |
| Pretax return on assets | 2.3565% | 271 |
| Return on Equity (ROE) | 15.7773% | 676 |
| Retained earnings to average equity (ytd only) | 2.9645% | 3,922 |
| Net charge-offs to loans | 0.0156% | 3,167 |
| Credit loss provision to net charge-offs | 3,500.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 244.3333% | 384 |
| Efficiency ratio | 57.3093% | 4,244 |
| Assets per employee ($millions) | 3.9786% | 3,915 |
| Cash dividends to net income (ytd only)* | 81.2102% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 970 |
| Loan loss allowance to noncurrent loans | 984.8485% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,234 |
| Noncurrent loans to loans | 0.1653% | 4,004 |
| Net loans and leases to total assets | 70.5063% | 2,498 |
| Net loans and leases to deposits | 82.9048% | 2,631 |
| Net loans and leases to core deposits | 85.2627% | 2,975 |
| Total domestic deposits to total assets | 85.0449% | 2,630 |
| Equity capital to assets | 14.8402% | 746 |
| Core capital (leverage) ratio | 14.8611% | 721 |
| Tier 1 risk-based capital ratio | 19.1561% | 1,484 |
| Total risk-based capital ratio | 20.4067% | 1,451 |
| Memoranda: | ||
| Average total assets | $26,649,200 | 5,284 |
| Average earning assets | $25,794,600 | 5,250 |
| Average equity | $3,980,400 | 5,183 |
| Average total loans | $19,208,200 | 5,095 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 808 |
| Cost of funding earning assets | 0.5912% | 2,538 |
| Net interest margin | 4.4787% | 776 |
| Noninterest income to average assets | 1.6800% | 356 |
| Noninterest expense to average assets | 3.6281% | 820 |
| Loan and lease loss provision to assets | 0.5060% | 221 |
| Net operating income to assets | 1.8773% | 515 |
| Return on assets (ROA) | 1.8773% | 515 |
| Pretax return on assets | 1.8773% | 851 |
| Return on Equity (ROE) | 12.5474% | 1,598 |
| Retained earnings to average equity (ytd only) | -0.8794% | 5,126 |
| Net charge-offs to loans | 0.0210% | 2,713 |
| Credit loss provision to net charge-offs | 3,333.3333% | 128 |
| Earnings coverage of net charge-offs (x) | 156.9950% | 520 |
| Efficiency ratio | 60.3535% | 3,759 |
| Assets per employee ($millions) | 3.9563% | 3,956 |
| Cash dividends to net income (ytd only)* | 107.0090% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 981 |
| Loan loss allowance to noncurrent loans | 969.6970% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,379 |
| Noncurrent loans to loans | 0.1694% | 4,130 |
| Net loans and leases to total assets | 69.1774% | 2,778 |
| Net loans and leases to deposits | 80.8730% | 2,943 |
| Net loans and leases to core deposits | 83.1583% | 3,232 |
| Total domestic deposits to total assets | 85.5384% | 2,379 |
| Equity capital to assets | 14.3352% | 871 |
| Core capital (leverage) ratio | 14.8927% | 725 |
| Tier 1 risk-based capital ratio | 19.0613% | 1,522 |
| Total risk-based capital ratio | 20.3123% | 1,494 |
| Memoranda: | ||
| Average total assets | $26,349,000 | 5,356 |
| Average earning assets | $25,483,000 | 5,323 |
| Average equity | $3,942,250 | 5,251 |
| Average total loans | $19,020,000 | 5,158 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 829 |
| Cost of funding earning assets | 0.5757% | 2,392 |
| Net interest margin | 4.4214% | 809 |
| Noninterest income to average assets | 1.5444% | 404 |
| Noninterest expense to average assets | 4.3551% | 339 |
| Loan and lease loss provision to assets | 0.5405% | 202 |
| Net operating income to assets | 0.9189% | 3,384 |
| Return on assets (ROA) | 0.9189% | 3,386 |
| Pretax return on assets | 0.9189% | 3,915 |
| Return on Equity (ROE) | 6.0514% | 4,221 |
| Retained earnings to average equity (ytd only) | -9.2042% | 5,407 |
| Net charge-offs to loans | 0.0318% | 2,217 |
| Credit loss provision to net charge-offs | 2,333.3333% | 177 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 964 |
| Efficiency ratio | 74.9004% | 1,582 |
| Assets per employee ($millions) | 3.7987% | 4,216 |
| Cash dividends to net income (ytd only)* | 252.1008% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,097 |
| Loan loss allowance to noncurrent loans | 878.7879% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,380 |
| Noncurrent loans to loans | 0.1827% | 4,087 |
| Net loans and leases to total assets | 66.8271% | 3,041 |
| Net loans and leases to deposits | 78.1752% | 3,141 |
| Net loans and leases to core deposits | 80.4764% | 3,376 |
| Total domestic deposits to total assets | 85.4838% | 2,503 |
| Equity capital to assets | 14.4109% | 828 |
| Core capital (leverage) ratio | 14.5143% | 779 |
| Tier 1 risk-based capital ratio | 19.7498% | 1,370 |
| Total risk-based capital ratio | 21.0006% | 1,341 |
| Memoranda: | ||
| Average total assets | $25,900,670 | 5,419 |
| Average earning assets | $25,014,670 | 5,394 |
| Average equity | $3,933,000 | 5,312 |
| Average total loans | $18,867,330 | 5,220 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 761 |
| Cost of funding earning assets | 0.5205% | 2,632 |
| Net interest margin | 4.4404% | 700 |
| Noninterest income to average assets | 1.5183% | 422 |
| Noninterest expense to average assets | 2.9113% | 2,321 |
| Loan and lease loss provision to assets | 1.0957% | 74 |
| Net operating income to assets | 1.7844% | 584 |
| Return on assets (ROA) | 1.7844% | 591 |
| Pretax return on assets | 1.7844% | 943 |
| Return on Equity (ROE) | 11.4472% | 1,791 |
| Retained earnings to average equity (ytd only) | -6.3261% | 5,260 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2703% | 5,067 |
| Assets per employee ($millions) | 3.7527% | 4,347 |
| Cash dividends to net income (ytd only)* | 155.2632% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 1,034 |
| Loan loss allowance to noncurrent loans | 697.6190% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 4,282 |
| Noncurrent loans to loans | 0.2377% | 3,922 |
| Net loans and leases to total assets | 66.1426% | 3,014 |
| Net loans and leases to deposits | 77.9043% | 3,026 |
| Net loans and leases to core deposits | 80.2281% | 3,306 |
| Total domestic deposits to total assets | 84.9024% | 2,972 |
| Equity capital to assets | 15.0177% | 671 |
| Core capital (leverage) ratio | 15.4263% | 565 |
| Tier 1 risk-based capital ratio | 20.8005% | 1,233 |
| Total risk-based capital ratio | 22.0522% | 1,210 |
| Memoranda: | ||
| Average total assets | $25,555,500 | 5,485 |
| Average earning assets | $24,592,500 | 5,456 |
| Average equity | $3,983,500 | 5,356 |
| Average total loans | $19,271,000 | 5,272 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1723% | 470 |
| Cost of funding earning assets | 0.5108% | 2,246 |
| Net interest margin | 4.6615% | 446 |
| Noninterest income to average assets | 2.0655% | 284 |
| Noninterest expense to average assets | 3.7286% | 760 |
| Loan and lease loss provision to assets | 0.1027% | 2,172 |
| Net operating income to assets | 2.6938% | 97 |
| Return on assets (ROA) | 2.6938% | 96 |
| Pretax return on assets | 2.6938% | 135 |
| Return on Equity (ROE) | 16.7552% | 417 |
| Retained earnings to average equity (ytd only) | 3.4992% | 3,187 |
| Net charge-offs to loans | -0.0052% | 4,649 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 4,631 |
| Assets per employee ($millions) | 3.5489% | 4,637 |
| Cash dividends to net income (ytd only)* | 79.1159% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,507 |
| 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 | 83.1294% | 540 |
| Net loans and leases to deposits | 99.3123% | 787 |
| Net loans and leases to core deposits | 102.4965% | 1,524 |
| Total domestic deposits to total assets | 83.7050% | 3,309 |
| Equity capital to assets | 16.1903% | 488 |
| Core capital (leverage) ratio | 16.0300% | 475 |
| Tier 1 risk-based capital ratio | 18.0294% | 1,798 |
| Total risk-based capital ratio | 19.0263% | 1,814 |
| Memoranda: | ||
| Average total assets | $24,352,200 | 5,553 |
| Average earning assets | $23,297,400 | 5,528 |
| Average equity | $3,915,200 | 5,439 |
| Average total loans | $19,350,000 | 5,330 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 547 |
| Cost of funding earning assets | 0.5007% | 2,256 |
| Net interest margin | 4.5579% | 529 |
| Noninterest income to average assets | 1.8049% | 362 |
| Noninterest expense to average assets | 3.5658% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.5973% | 118 |
| Return on assets (ROA) | 2.5973% | 118 |
| Pretax return on assets | 2.5973% | 182 |
| Return on Equity (ROE) | 16.1841% | 508 |
| Retained earnings to average equity (ytd only) | 3.1889% | 4,019 |
| Net charge-offs to loans | -0.0070% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8571% | 4,525 |
| Assets per employee ($millions) | 3.5381% | 4,670 |
| Cash dividends to net income (ytd only)* | 80.2962% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 4,200 |
| 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 | 81.0433% | 832 |
| Net loans and leases to deposits | 96.7698% | 1,034 |
| Net loans and leases to core deposits | 99.8607% | 1,719 |
| Total domestic deposits to total assets | 83.7485% | 3,211 |
| Equity capital to assets | 16.1344% | 517 |
| Core capital (leverage) ratio | 16.3724% | 450 |
| Tier 1 risk-based capital ratio | 18.3931% | 1,758 |
| Total risk-based capital ratio | 19.3063% | 1,794 |
| Memoranda: | ||
| Average total assets | $24,229,750 | 5,617 |
| Average earning assets | $23,168,000 | 5,593 |
| Average equity | $3,888,500 | 5,498 |
| Average total loans | $18,969,000 | 5,396 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 662 |
| Cost of funding earning assets | 0.4949% | 2,208 |
| Net interest margin | 4.4277% | 671 |
| Noninterest income to average assets | 1.4469% | 515 |
| Noninterest expense to average assets | 4.1995% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4885% | 890 |
| Return on assets (ROA) | 1.4885% | 910 |
| Pretax return on assets | 1.4885% | 1,695 |
| Return on Equity (ROE) | 9.2923% | 2,369 |
| Retained earnings to average equity (ytd only) | -4.6202% | 5,520 |
| Net charge-offs to loans | -0.0108% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8304% | 2,044 |
| Assets per employee ($millions) | 3.4146% | 4,842 |
| Cash dividends to net income (ytd only)* | 149.7207% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 4,046 |
| 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 | 80.6669% | 858 |
| Net loans and leases to deposits | 96.0927% | 1,071 |
| Net loans and leases to core deposits | 99.2689% | 1,701 |
| Total domestic deposits to total assets | 83.9470% | 3,217 |
| Equity capital to assets | 15.9568% | 537 |
| Core capital (leverage) ratio | 15.7699% | 507 |
| Tier 1 risk-based capital ratio | 18.1979% | 1,798 |
| Total risk-based capital ratio | 19.1444% | 1,837 |
| Memoranda: | ||
| Average total assets | $24,050,670 | 5,665 |
| Average earning assets | $23,036,670 | 5,640 |
| Average equity | $3,852,670 | 5,545 |
| Average total loans | $18,535,330 | 5,449 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 906 |
| Cost of funding earning assets | 0.4857% | 2,201 |
| Net interest margin | 4.2328% | 924 |
| Noninterest income to average assets | 1.4259% | 526 |
| Noninterest expense to average assets | 3.0010% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4705% | 141 |
| Return on assets (ROA) | 2.4705% | 141 |
| Pretax return on assets | 2.4705% | 224 |
| Return on Equity (ROE) | 15.3926% | 603 |
| Retained earnings to average equity (ytd only) | -2.5826% | 5,228 |
| Net charge-offs to loans | -0.0221% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8485% | 5,057 |
| Assets per employee ($millions) | 3.4739% | 4,831 |
| Cash dividends to net income (ytd only)* | 116.7785% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,689 |
| 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 | 72.8338% | 1,938 |
| Net loans and leases to deposits | 86.6869% | 1,953 |
| Net loans and leases to core deposits | 89.4811% | 2,399 |
| Total domestic deposits to total assets | 84.0194% | 3,468 |
| Equity capital to assets | 15.9025% | 513 |
| Core capital (leverage) ratio | 15.7537% | 497 |
| Tier 1 risk-based capital ratio | 19.8320% | 1,421 |
| Total risk-based capital ratio | 20.8464% | 1,451 |
| Memoranda: | ||
| Average total assets | $24,125,000 | 5,734 |
| Average earning assets | $23,058,000 | 5,704 |
| Average equity | $3,872,000 | 5,596 |
| Average total loans | $18,063,500 | 5,519 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,012 |
| Cost of funding earning assets | 0.4860% | 2,198 |
| Net interest margin | 4.2403% | 1,031 |
| Noninterest income to average assets | 2.2365% | 290 |
| Noninterest expense to average assets | 3.9510% | 648 |
| Loan and lease loss provision to assets | 0.3353% | 529 |
| Net operating income to assets | 1.9861% | 325 |
| Return on assets (ROA) | 1.9861% | 344 |
| Pretax return on assets | 1.9861% | 514 |
| Return on Equity (ROE) | 12.0743% | 1,225 |
| Retained earnings to average equity (ytd only) | -0.4902% | 5,380 |
| Net charge-offs to loans | 0.2674% | 1,037 |
| Credit loss provision to net charge-offs | 168.0851% | 1,645 |
| Earnings coverage of net charge-offs (x) | 11.6383% | 2,518 |
| Efficiency ratio | 62.9905% | 4,105 |
| Assets per employee ($millions) | 3.4190% | 4,872 |
| Cash dividends to net income (ytd only)* | 104.0598% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,819 |
| 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 | 75.2977% | 1,632 |
| Net loans and leases to deposits | 89.9566% | 1,688 |
| Net loans and leases to core deposits | 92.9157% | 2,219 |
| Total domestic deposits to total assets | 83.7045% | 3,539 |
| Equity capital to assets | 16.1994% | 473 |
| Core capital (leverage) ratio | 15.9783% | 466 |
| Tier 1 risk-based capital ratio | 19.9345% | 1,388 |
| Total risk-based capital ratio | 20.9425% | 1,403 |
| Memoranda: | ||
| Average total assets | $23,563,800 | 5,790 |
| Average earning assets | $22,427,400 | 5,767 |
| Average equity | $3,876,000 | 5,657 |
| Average total loans | $17,575,400 | 5,592 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 1,034 |
| Cost of funding earning assets | 0.4777% | 2,291 |
| Net interest margin | 4.2394% | 1,046 |
| Noninterest income to average assets | 2.0450% | 341 |
| Noninterest expense to average assets | 3.6866% | 869 |
| Loan and lease loss provision to assets | 0.3068% | 548 |
| Net operating income to assets | 2.0847% | 300 |
| Return on assets (ROA) | 2.0847% | 313 |
| Pretax return on assets | 2.0847% | 482 |
| Return on Equity (ROE) | 12.6252% | 1,142 |
| Retained earnings to average equity (ytd only) | -0.1721% | 5,385 |
| Net charge-offs to loans | 0.1838% | 1,275 |
| Credit loss provision to net charge-offs | 225.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 17.5413% | 2,044 |
| Efficiency ratio | 60.6542% | 4,447 |
| Assets per employee ($millions) | 3.4284% | 4,871 |
| Cash dividends to net income (ytd only)* | 101.3631% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 3,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.0780% | 2,009 |
| Net loans and leases to deposits | 87.4713% | 2,086 |
| Net loans and leases to core deposits | 90.3276% | 2,548 |
| Total domestic deposits to total assets | 83.5451% | 3,377 |
| Equity capital to assets | 16.3423% | 506 |
| Core capital (leverage) ratio | 16.4687% | 423 |
| Tier 1 risk-based capital ratio | 20.5465% | 1,348 |
| Total risk-based capital ratio | 21.5712% | 1,355 |
| Memoranda: | ||
| Average total assets | $23,471,500 | 5,854 |
| Average earning assets | $22,329,500 | 5,834 |
| Average equity | $3,875,750 | 5,718 |
| Average total loans | $17,414,750 | 5,653 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 1,128 |
| Cost of funding earning assets | 0.4666% | 2,414 |
| Net interest margin | 4.1995% | 1,116 |
| Noninterest income to average assets | 1.6398% | 464 |
| Noninterest expense to average assets | 4.1810% | 502 |
| Loan and lease loss provision to assets | 0.4636% | 299 |
| Net operating income to assets | 1.0131% | 2,333 |
| Return on assets (ROA) | 1.0131% | 2,468 |
| Pretax return on assets | 1.0131% | 3,534 |
| Return on Equity (ROE) | 6.1135% | 3,996 |
| Retained earnings to average equity (ytd only) | -10.0510% | 5,883 |
| Net charge-offs to loans | 0.5777% | 360 |
| Credit loss provision to net charge-offs | 108.0000% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.4400% | 3,109 |
| Efficiency ratio | 73.8998% | 2,373 |
| Assets per employee ($millions) | 3.3996% | 4,925 |
| Cash dividends to net income (ytd only)* | 264.4068% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 4,667 |
| Loan loss allowance to noncurrent loans | 8,450.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,596 |
| Noncurrent loans to loans | 0.0115% | 5,452 |
| Net loans and leases to total assets | 72.4755% | 2,093 |
| Net loans and leases to deposits | 86.0972% | 2,242 |
| Net loans and leases to core deposits | 88.9112% | 2,648 |
| Total domestic deposits to total assets | 84.1787% | 3,204 |
| Equity capital to assets | 15.7289% | 586 |
| Core capital (leverage) ratio | 16.1432% | 450 |
| Tier 1 risk-based capital ratio | 19.6733% | 1,528 |
| Total risk-based capital ratio | 20.5668% | 1,584 |
| Memoranda: | ||
| Average total assets | $23,295,670 | 5,933 |
| Average earning assets | $22,288,330 | 5,907 |
| Average equity | $3,860,330 | 5,785 |
| Average total loans | $17,308,670 | 5,726 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,025 |
| Cost of funding earning assets | 0.4547% | 2,531 |
| Net interest margin | 4.2563% | 985 |
| Noninterest income to average assets | 1.9093% | 362 |
| Noninterest expense to average assets | 3.0549% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.9160% | 106 |
| Return on assets (ROA) | 2.9160% | 105 |
| Pretax return on assets | 2.9160% | 141 |
| Return on Equity (ROE) | 17.1472% | 419 |
| Retained earnings to average equity (ytd only) | -2.5517% | 5,437 |
| Net charge-offs to loans | -0.0927% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1628% | 5,556 |
| Assets per employee ($millions) | 3.2977% | 5,131 |
| Cash dividends to net income (ytd only)* | 114.8810% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,570 |
| Loan loss allowance to noncurrent loans | 422.5000% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 4,875 |
| Noncurrent loans to loans | 0.2381% | 4,579 |
| Net loans and leases to total assets | 72.0499% | 2,028 |
| Net loans and leases to deposits | 86.8149% | 1,967 |
| Net loans and leases to core deposits | 88.5764% | 2,505 |
| Total domestic deposits to total assets | 82.9925% | 3,898 |
| Equity capital to assets | 16.9381% | 422 |
| Core capital (leverage) ratio | 16.9825% | 372 |
| Tier 1 risk-based capital ratio | 21.0475% | 1,313 |
| Total risk-based capital ratio | 21.9619% | 1,336 |
| Memoranda: | ||
| Average total assets | $23,045,000 | 5,998 |
| Average earning assets | $21,991,000 | 5,969 |
| Average equity | $3,919,000 | 5,827 |
| Average total loans | $17,255,000 | 5,783 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,338 |
| Cost of funding earning assets | 0.3782% | 3,389 |
| Net interest margin | 4.2180% | 1,129 |
| Noninterest income to average assets | 1.9377% | 376 |
| Noninterest expense to average assets | 3.5332% | 1,240 |
| Loan and lease loss provision to assets | 0.2139% | 970 |
| Net operating income to assets | 2.2457% | 227 |
| Return on assets (ROA) | 2.2457% | 235 |
| Pretax return on assets | 2.2457% | 315 |
| Return on Equity (ROE) | 13.8223% | 882 |
| Retained earnings to average equity (ytd only) | 5.0550% | 2,375 |
| Net charge-offs to loans | 0.3833% | 749 |
| Credit loss provision to net charge-offs | 75.7576% | 3,024 |
| Earnings coverage of net charge-offs (x) | 8.7121% | 2,914 |
| Efficiency ratio | 58.9579% | 5,031 |
| Assets per employee ($millions) | 3.2866% | 5,174 |
| Cash dividends to net income (ytd only)* | 63.4286% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 4,960 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,815 |
| Noncurrent loans to loans | 0.2541% | 4,524 |
| Net loans and leases to total assets | 76.2584% | 1,373 |
| Net loans and leases to deposits | 92.1138% | 1,387 |
| Net loans and leases to core deposits | 93.9941% | 2,047 |
| Total domestic deposits to total assets | 82.7871% | 3,911 |
| Equity capital to assets | 17.0738% | 401 |
| Core capital (leverage) ratio | 16.5848% | 408 |
| Tier 1 risk-based capital ratio | 20.1275% | 1,460 |
| Total risk-based capital ratio | 20.9758% | 1,510 |
| Memoranda: | ||
| Average total assets | $23,378,400 | 6,052 |
| Average earning assets | $22,475,000 | 6,018 |
| Average equity | $3,798,200 | 5,887 |
| Average total loans | $17,219,800 | 5,820 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,470 |
| Cost of funding earning assets | 0.3724% | 3,516 |
| Net interest margin | 4.1733% | 1,229 |
| Noninterest income to average assets | 1.6360% | 477 |
| Noninterest expense to average assets | 3.2663% | 1,788 |
| Loan and lease loss provision to assets | 0.2840% | 548 |
| Net operating income to assets | 2.0961% | 307 |
| Return on assets (ROA) | 2.0961% | 330 |
| Pretax return on assets | 2.0961% | 502 |
| Return on Equity (ROE) | 13.0649% | 1,109 |
| Retained earnings to average equity (ytd only) | 4.4257% | 3,311 |
| Net charge-offs to loans | 0.4991% | 483 |
| Credit loss provision to net charge-offs | 78.1250% | 2,641 |
| Earnings coverage of net charge-offs (x) | 6.5469% | 3,034 |
| Efficiency ratio | 57.8471% | 5,138 |
| Assets per employee ($millions) | 3.3894% | 5,003 |
| Cash dividends to net income (ytd only)* | 66.1253% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 4,999 |
| Loan loss allowance to noncurrent loans | 428.2051% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 5,097 |
| Noncurrent loans to loans | 0.2206% | 4,777 |
| Net loans and leases to total assets | 73.8220% | 1,764 |
| Net loans and leases to deposits | 88.3570% | 1,852 |
| Net loans and leases to core deposits | 90.0838% | 2,457 |
| Total domestic deposits to total assets | 83.5497% | 3,593 |
| Equity capital to assets | 16.2986% | 523 |
| Core capital (leverage) ratio | 16.2267% | 456 |
| Tier 1 risk-based capital ratio | 20.1118% | 1,512 |
| Total risk-based capital ratio | 20.9847% | 1,578 |
| Memoranda: | ||
| Average total assets | $23,471,500 | 6,135 |
| Average earning assets | $22,555,500 | 6,102 |
| Average equity | $3,765,750 | 5,974 |
| Average total loans | $17,097,500 | 5,896 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 1,557 |
| Cost of funding earning assets | 0.3649% | 3,650 |
| Net interest margin | 4.1296% | 1,275 |
| Noninterest income to average assets | 1.2144% | 823 |
| Noninterest expense to average assets | 3.7115% | 974 |
| Loan and lease loss provision to assets | 0.4276% | 259 |
| Net operating income to assets | 1.0433% | 2,165 |
| Return on assets (ROA) | 1.0433% | 2,281 |
| Pretax return on assets | 1.0433% | 3,400 |
| Return on Equity (ROE) | 6.5380% | 3,862 |
| Retained earnings to average equity (ytd only) | -2.7331% | 5,897 |
| Net charge-offs to loans | 0.7691% | 290 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 2.6462% | 3,309 |
| Efficiency ratio | 71.6172% | 3,048 |
| Assets per employee ($millions) | 3.3933% | 4,995 |
| Cash dividends to net income (ytd only)* | 141.8033% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 5,007 |
| Loan loss allowance to noncurrent loans | 395.2381% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,159 |
| Noncurrent loans to loans | 0.2453% | 4,781 |
| Net loans and leases to total assets | 71.3847% | 2,094 |
| Net loans and leases to deposits | 84.6192% | 2,236 |
| Net loans and leases to core deposits | 86.2550% | 2,741 |
| Total domestic deposits to total assets | 84.3599% | 3,418 |
| Equity capital to assets | 15.5054% | 605 |
| Core capital (leverage) ratio | 15.3949% | 558 |
| Tier 1 risk-based capital ratio | 19.5777% | 1,648 |
| Total risk-based capital ratio | 20.4628% | 1,712 |
| Memoranda: | ||
| Average total assets | $23,386,670 | 6,212 |
| Average earning assets | $22,471,670 | 6,173 |
| Average equity | $3,732,000 | 6,042 |
| Average total loans | $16,902,670 | 5,972 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 1,131 |
| Cost of funding earning assets | 0.3615% | 3,737 |
| Net interest margin | 4.2840% | 908 |
| Noninterest income to average assets | 1.0516% | 1,017 |
| Noninterest expense to average assets | 2.8789% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2583% | 210 |
| Return on assets (ROA) | 2.2583% | 223 |
| Pretax return on assets | 2.2583% | 348 |
| Return on Equity (ROE) | 13.9492% | 890 |
| Retained earnings to average equity (ytd only) | 2.4491% | 4,469 |
| Net charge-offs to loans | 0.9528% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.2750% | 2,629 |
| Efficiency ratio | 56.0403% | 5,513 |
| Assets per employee ($millions) | 3.0245% | 5,631 |
| Cash dividends to net income (ytd only)* | 82.4427% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 5,579 |
| Loan loss allowance to noncurrent loans | 220.3125% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 4,884 |
| Noncurrent loans to loans | 0.3849% | 4,439 |
| Net loans and leases to total assets | 68.1394% | 2,413 |
| Net loans and leases to deposits | 80.8186% | 2,471 |
| Net loans and leases to core deposits | 82.3485% | 2,929 |
| Total domestic deposits to total assets | 84.3115% | 3,693 |
| Equity capital to assets | 15.5811% | 609 |
| Core capital (leverage) ratio | 15.7773% | 491 |
| Tier 1 risk-based capital ratio | 20.4957% | 1,527 |
| Total risk-based capital ratio | 21.2672% | 1,585 |
| Memoranda: | ||
| Average total assets | $23,203,500 | 6,280 |
| Average earning assets | $22,129,000 | 6,246 |
| Average equity | $3,756,500 | 6,097 |
| Average total loans | $16,793,000 | 6,027 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,426 |
| Cost of funding earning assets | 0.3383% | 4,384 |
| Net interest margin | 4.0086% | 1,876 |
| Noninterest income to average assets | 1.8444% | 389 |
| Noninterest expense to average assets | 3.8724% | 884 |
| Loan and lease loss provision to assets | 0.0895% | 2,679 |
| Net operating income to assets | 1.7549% | 517 |
| Return on assets (ROA) | 1.7549% | 528 |
| Pretax return on assets | 1.7549% | 881 |
| Return on Equity (ROE) | 10.7250% | 1,806 |
| Retained earnings to average equity (ytd only) | 3.0643% | 4,063 |
| Net charge-offs to loans | 0.0264% | 4,298 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 511 |
| Efficiency ratio | 67.7369% | 3,941 |
| Assets per employee ($millions) | 2.7764% | 5,955 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 4,718 |
| 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 | 75.5346% | 1,339 |
| Net loans and leases to deposits | 93.9783% | 1,074 |
| Net loans and leases to core deposits | 96.0167% | 1,724 |
| Total domestic deposits to total assets | 80.3746% | 4,920 |
| Equity capital to assets | 16.8520% | 436 |
| Core capital (leverage) ratio | 16.7680% | 391 |
| Tier 1 risk-based capital ratio | 19.9593% | 1,607 |
| Total risk-based capital ratio | 20.9296% | 1,631 |
| Memoranda: | ||
| Average total assets | $22,337,600 | 6,380 |
| Average earning assets | $21,578,800 | 6,340 |
| Average equity | $3,655,000 | 6,154 |
| Average total loans | $15,156,200 | 6,159 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 3,076 |
| Cost of funding earning assets | 0.3392% | 4,474 |
| Net interest margin | 3.8361% | 2,490 |
| Noninterest income to average assets | 1.5735% | 512 |
| Noninterest expense to average assets | 3.4630% | 1,545 |
| Loan and lease loss provision to assets | 0.0596% | 3,171 |
| Net operating income to assets | 1.7583% | 549 |
| Return on assets (ROA) | 1.7583% | 569 |
| Pretax return on assets | 1.7583% | 967 |
| Return on Equity (ROE) | 10.8263% | 1,864 |
| Retained earnings to average equity (ytd only) | 3.4132% | 4,191 |
| Net charge-offs to loans | 0.0362% | 3,763 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 76.2964% | 728 |
| Efficiency ratio | 65.5756% | 4,280 |
| Assets per employee ($millions) | 2.7818% | 5,989 |
| Cash dividends to net income (ytd only)* | 68.4761% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 4,920 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 6,126 |
| Noncurrent loans to loans | 0.0187% | 5,958 |
| Net loans and leases to total assets | 71.4074% | 1,949 |
| Net loans and leases to deposits | 85.8927% | 1,913 |
| Net loans and leases to core deposits | 87.6793% | 2,467 |
| Total domestic deposits to total assets | 83.1356% | 4,081 |
| Equity capital to assets | 16.7835% | 458 |
| Core capital (leverage) ratio | 16.5335% | 418 |
| Tier 1 risk-based capital ratio | 21.0216% | 1,450 |
| Total risk-based capital ratio | 21.9921% | 1,471 |
| Memoranda: | ||
| Average total assets | $22,369,250 | 6,454 |
| Average earning assets | $21,618,750 | 6,417 |
| Average equity | $3,633,000 | 6,230 |
| Average total loans | $14,705,750 | 6,238 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 3,416 |
| Cost of funding earning assets | 0.3425% | 4,511 |
| Net interest margin | 3.7402% | 2,795 |
| Noninterest income to average assets | 1.0889% | 1,005 |
| Noninterest expense to average assets | 3.8380% | 925 |
| Loan and lease loss provision to assets | 0.0893% | 2,537 |
| Net operating income to assets | 0.7676% | 3,476 |
| Return on assets (ROA) | 0.7676% | 3,584 |
| Pretax return on assets | 0.7676% | 4,393 |
| Return on Equity (ROE) | 4.7791% | 4,778 |
| Retained earnings to average equity (ytd only) | -6.4462% | 6,323 |
| Net charge-offs to loans | 0.0561% | 3,160 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,446 |
| Efficiency ratio | 81.7490% | 1,771 |
| Assets per employee ($millions) | 2.8281% | 5,994 |
| Cash dividends to net income (ytd only)* | 234.8837% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 4,420 |
| 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 | 62.1746% | 3,369 |
| Net loans and leases to deposits | 73.7071% | 3,356 |
| Net loans and leases to core deposits | 75.1924% | 3,714 |
| Total domestic deposits to total assets | 84.3536% | 3,799 |
| Equity capital to assets | 15.5757% | 607 |
| Core capital (leverage) ratio | 15.6215% | 525 |
| Tier 1 risk-based capital ratio | 21.3932% | 1,366 |
| Total risk-based capital ratio | 22.4399% | 1,387 |
| Memoranda: | ||
| Average total assets | $22,407,670 | 6,521 |
| Average earning assets | $21,603,000 | 6,483 |
| Average equity | $3,599,000 | 6,283 |
| Average total loans | $14,253,670 | 6,311 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 3,230 |
| Cost of funding earning assets | 0.3335% | 4,707 |
| Net interest margin | 3.7793% | 2,556 |
| Noninterest income to average assets | 0.8610% | 1,519 |
| Noninterest expense to average assets | 2.8163% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7041% | 574 |
| Return on assets (ROA) | 1.7041% | 589 |
| Pretax return on assets | 1.7041% | 968 |
| Return on Equity (ROE) | 10.4496% | 1,889 |
| Retained earnings to average equity (ytd only) | 2.4199% | 4,623 |
| Net charge-offs to loans | -0.0841% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3016% | 5,081 |
| Assets per employee ($millions) | 3.2489% | 5,450 |
| Cash dividends to net income (ytd only)* | 76.8421% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 4,390 |
| 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 | 58.4425% | 3,772 |
| Net loans and leases to deposits | 69.6703% | 3,645 |
| Net loans and leases to core deposits | 71.0711% | 3,977 |
| Total domestic deposits to total assets | 83.8844% | 4,312 |
| Equity capital to assets | 16.0540% | 520 |
| Core capital (leverage) ratio | 15.8639% | 496 |
| Tier 1 risk-based capital ratio | 23.5986% | 1,060 |
| Total risk-based capital ratio | 24.6898% | 1,065 |
| Memoranda: | ||
| Average total assets | $22,299,000 | 6,592 |
| Average earning assets | $21,591,500 | 6,550 |
| Average equity | $3,636,500 | 6,319 |
| Average total loans | $14,261,500 | 6,369 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 3,403 |
| Cost of funding earning assets | 0.4236% | 4,392 |
| Net interest margin | 3.7602% | 2,803 |
| Noninterest income to average assets | 1.7437% | 489 |
| Noninterest expense to average assets | 3.4784% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8527% | 437 |
| Return on assets (ROA) | 1.8527% | 450 |
| Pretax return on assets | 1.8527% | 675 |
| Return on Equity (ROE) | 11.4107% | 1,629 |
| Retained earnings to average equity (ytd only) | 0.3076% | 5,707 |
| Net charge-offs to loans | 0.0287% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 460 |
| Efficiency ratio | 65.2470% | 4,693 |
| Assets per employee ($millions) | 3.6427% | 4,593 |
| Cash dividends to net income (ytd only)* | 97.3039% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 5,174 |
| Loan loss allowance to noncurrent loans | 500.0000% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,864 |
| Noncurrent loans to loans | 0.2191% | 5,529 |
| Net loans and leases to total assets | 68.1689% | 2,326 |
| Net loans and leases to deposits | 81.7728% | 2,208 |
| Net loans and leases to core deposits | 83.4959% | 2,723 |
| Total domestic deposits to total assets | 83.3638% | 4,406 |
| Equity capital to assets | 16.5721% | 441 |
| Core capital (leverage) ratio | 16.2621% | 444 |
| Tier 1 risk-based capital ratio | 21.8968% | 1,277 |
| Total risk-based capital ratio | 22.8973% | 1,290 |
| Memoranda: | ||
| Average total assets | $22,021,800 | 6,677 |
| Average earning assets | $21,009,600 | 6,638 |
| Average equity | $3,575,600 | 6,421 |
| Average total loans | $13,950,400 | 6,455 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 3,728 |
| Cost of funding earning assets | 0.4311% | 4,496 |
| Net interest margin | 3.6770% | 3,124 |
| Noninterest income to average assets | 1.5047% | 647 |
| Noninterest expense to average assets | 3.1001% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9096% | 430 |
| Return on assets (ROA) | 1.9096% | 438 |
| Pretax return on assets | 1.9096% | 693 |
| Return on Equity (ROE) | 11.8215% | 1,534 |
| Retained earnings to average equity (ytd only) | 1.0474% | 5,557 |
| Net charge-offs to loans | 0.0488% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 63.1664% | 726 |
| Efficiency ratio | 61.8818% | 5,155 |
| Assets per employee ($millions) | 3.7137% | 4,430 |
| Cash dividends to net income (ytd only)* | 91.1398% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,096 |
| Loan loss allowance to noncurrent loans | 16,400.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,512 |
| Noncurrent loans to loans | 0.0070% | 6,361 |
| Net loans and leases to total assets | 62.9746% | 3,169 |
| Net loans and leases to deposits | 75.2911% | 3,049 |
| Net loans and leases to core deposits | 76.8329% | 3,520 |
| Total domestic deposits to total assets | 83.6415% | 4,326 |
| Equity capital to assets | 16.2598% | 505 |
| Core capital (leverage) ratio | 16.3122% | 453 |
| Tier 1 risk-based capital ratio | 23.5035% | 1,069 |
| Total risk-based capital ratio | 24.5659% | 1,075 |
| Memoranda: | ||
| Average total assets | $22,063,250 | 6,750 |
| Average earning assets | $21,031,250 | 6,709 |
| Average equity | $3,564,000 | 6,500 |
| Average total loans | $13,672,000 | 6,536 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,865 |
| Cost of funding earning assets | 0.4398% | 4,549 |
| Net interest margin | 3.6234% | 3,268 |
| Noninterest income to average assets | 1.0914% | 1,283 |
| Noninterest expense to average assets | 3.5015% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0004% | 2,323 |
| Return on assets (ROA) | 1.0004% | 2,464 |
| Pretax return on assets | 1.0368% | 3,344 |
| Return on Equity (ROE) | 6.2071% | 4,043 |
| Retained earnings to average equity (ytd only) | -8.8028% | 6,633 |
| Net charge-offs to loans | 0.0593% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,184 |
| Efficiency ratio | 77.1543% | 2,598 |
| Assets per employee ($millions) | 3.6863% | 4,424 |
| Cash dividends to net income (ytd only)* | 241.8182% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,028 |
| 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 | 61.6918% | 3,354 |
| Net loans and leases to deposits | 73.0539% | 3,293 |
| Net loans and leases to core deposits | 74.5465% | 3,722 |
| Total domestic deposits to total assets | 84.4471% | 4,148 |
| Equity capital to assets | 15.4625% | 623 |
| Core capital (leverage) ratio | 15.5118% | 521 |
| Tier 1 risk-based capital ratio | 23.1369% | 1,109 |
| Total risk-based capital ratio | 24.2457% | 1,124 |
| Memoranda: | ||
| Average total assets | $21,990,330 | 6,802 |
| Average earning assets | $20,919,670 | 6,761 |
| Average equity | $3,544,330 | 6,554 |
| Average total loans | $13,497,330 | 6,581 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 3,835 |
| Cost of funding earning assets | 0.4610% | 4,475 |
| Net interest margin | 3.6109% | 3,214 |
| Noninterest income to average assets | 1.0034% | 1,451 |
| Noninterest expense to average assets | 2.6452% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7513% | 517 |
| Return on assets (ROA) | 1.7513% | 577 |
| Pretax return on assets | 1.7878% | 902 |
| Return on Equity (ROE) | 10.6474% | 1,817 |
| Retained earnings to average equity (ytd only) | -4.4364% | 6,318 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6708% | 5,633 |
| Assets per employee ($millions) | 3.7847% | 4,389 |
| Cash dividends to net income (ytd only)* | 141.6667% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,606 |
| Loan loss allowance to noncurrent loans | 1,536.3636% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 6,462 |
| Noncurrent loans to loans | 0.0858% | 6,224 |
| Net loans and leases to total assets | 55.7425% | 4,128 |
| Net loans and leases to deposits | 66.2618% | 4,017 |
| Net loans and leases to core deposits | 67.5814% | 4,351 |
| Total domestic deposits to total assets | 84.1245% | 4,421 |
| Equity capital to assets | 15.8006% | 590 |
| Core capital (leverage) ratio | 15.9978% | 460 |
| Tier 1 risk-based capital ratio | 24.1552% | 997 |
| Total risk-based capital ratio | 25.3019% | 985 |
| Memoranda: | ||
| Average total assets | $21,926,500 | 6,877 |
| Average earning assets | $20,826,000 | 6,836 |
| Average equity | $3,606,500 | 6,609 |
| Average total loans | $13,341,000 | 6,649 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 3,317 |
| Cost of funding earning assets | 0.5644% | 4,694 |
| Net interest margin | 3.9556% | 2,581 |
| Noninterest income to average assets | 1.6318% | 597 |
| Noninterest expense to average assets | 3.4197% | 2,006 |
| Loan and lease loss provision to assets | 0.1892% | 3,271 |
| Net operating income to assets | 1.7311% | 580 |
| Return on assets (ROA) | 1.7311% | 648 |
| Pretax return on assets | 1.7690% | 977 |
| Return on Equity (ROE) | 10.2745% | 2,061 |
| Retained earnings to average equity (ytd only) | 1.6844% | 5,017 |
| Net charge-offs to loans | -0.2889% | 6,972 |
| Credit loss provision to net charge-offs | -100.0000% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5884% | 4,966 |
| Assets per employee ($millions) | 3.5242% | 4,963 |
| Cash dividends to net income (ytd only)* | 83.6066% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 5,024 |
| 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 | 64.7245% | 2,767 |
| Net loans and leases to deposits | 78.2281% | 2,490 |
| Net loans and leases to core deposits | 79.9323% | 3,012 |
| Total domestic deposits to total assets | 82.7382% | 4,831 |
| Equity capital to assets | 17.1435% | 394 |
| Core capital (leverage) ratio | 16.8091% | 371 |
| Tier 1 risk-based capital ratio | 22.6145% | 1,167 |
| Total risk-based capital ratio | 23.6761% | 1,168 |
| Memoranda: | ||
| Average total assets | $21,142,200 | 6,942 |
| Average earning assets | $20,022,400 | 6,905 |
| Average equity | $3,562,200 | 6,675 |
| Average total loans | $13,845,200 | 6,702 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 3,849 |
| Cost of funding earning assets | 0.5715% | 4,902 |
| Net interest margin | 3.8741% | 3,013 |
| Noninterest income to average assets | 1.3181% | 848 |
| Noninterest expense to average assets | 3.0965% | 2,902 |
| Loan and lease loss provision to assets | 0.2523% | 2,552 |
| Net operating income to assets | 1.6082% | 821 |
| Return on assets (ROA) | 1.6082% | 921 |
| Pretax return on assets | 1.6460% | 1,427 |
| Return on Equity (ROE) | 9.5866% | 2,550 |
| Retained earnings to average equity (ytd only) | 1.3534% | 5,632 |
| Net charge-offs to loans | -0.4238% | 7,087 |
| Credit loss provision to net charge-offs | -90.9091% | 6,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9949% | 5,148 |
| Assets per employee ($millions) | 3.5232% | 4,925 |
| Cash dividends to net income (ytd only)* | 85.8819% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 5,190 |
| 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 | 66.1999% | 2,617 |
| Net loans and leases to deposits | 79.9703% | 2,396 |
| Net loans and leases to core deposits | 81.6977% | 3,003 |
| Total domestic deposits to total assets | 82.7806% | 4,731 |
| Equity capital to assets | 17.0680% | 455 |
| Core capital (leverage) ratio | 16.7966% | 393 |
| Tier 1 risk-based capital ratio | 22.0523% | 1,325 |
| Total risk-based capital ratio | 23.1191% | 1,328 |
| Memoranda: | ||
| Average total assets | $21,141,500 | 7,032 |
| Average earning assets | $20,064,500 | 6,991 |
| Average equity | $3,546,500 | 6,757 |
| Average total loans | $13,842,750 | 6,791 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 3,897 |
| Cost of funding earning assets | 0.5915% | 4,973 |
| Net interest margin | 3.8798% | 3,001 |
| Noninterest income to average assets | 0.9460% | 1,630 |
| Noninterest expense to average assets | 3.5474% | 1,682 |
| Loan and lease loss provision to assets | 0.3784% | 1,733 |
| Net operating income to assets | 0.6433% | 4,146 |
| Return on assets (ROA) | 0.6433% | 4,397 |
| Pretax return on assets | 0.6811% | 4,886 |
| Return on Equity (ROE) | 3.8571% | 5,334 |
| Retained earnings to average equity (ytd only) | -8.5649% | 6,790 |
| Net charge-offs to loans | -0.6407% | 7,152 |
| Credit loss provision to net charge-offs | -90.9091% | 6,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0021% | 2,592 |
| Assets per employee ($millions) | 3.5083% | 4,961 |
| Cash dividends to net income (ytd only)* | 322.0588% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 4,976 |
| 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 | 63.3017% | 3,180 |
| Net loans and leases to deposits | 75.7102% | 3,026 |
| Net loans and leases to core deposits | 77.3360% | 3,611 |
| Total domestic deposits to total assets | 83.6105% | 4,482 |
| Equity capital to assets | 16.2328% | 541 |
| Core capital (leverage) ratio | 16.1044% | 445 |
| Tier 1 risk-based capital ratio | 21.8335% | 1,327 |
| Total risk-based capital ratio | 22.9481% | 1,328 |
| Memoranda: | ||
| Average total assets | $21,142,330 | 7,092 |
| Average earning assets | $19,949,670 | 7,053 |
| Average equity | $3,526,000 | 6,801 |
| Average total loans | $13,734,670 | 6,853 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 3,612 |
| Cost of funding earning assets | 0.6049% | 5,088 |
| Net interest margin | 3.9719% | 2,622 |
| Noninterest income to average assets | 1.0761% | 1,244 |
| Noninterest expense to average assets | 2.5674% | 4,931 |
| Loan and lease loss provision to assets | 0.7551% | 673 |
| Net operating income to assets | 1.4347% | 1,157 |
| Return on assets (ROA) | 1.4347% | 1,297 |
| Pretax return on assets | 1.4725% | 1,950 |
| Return on Equity (ROE) | 8.4904% | 3,062 |
| Retained earnings to average equity (ytd only) | 2.4578% | 5,032 |
| Net charge-offs to loans | -0.5775% | 7,159 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5433% | 6,390 |
| Assets per employee ($millions) | 3.5412% | 5,024 |
| Cash dividends to net income (ytd only)* | 71.0526% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,778 |
| Loan loss allowance to noncurrent loans | 413.8889% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 6,461 |
| Noncurrent loans to loans | 0.2742% | 6,130 |
| Net loans and leases to total assets | 61.0910% | 3,429 |
| Net loans and leases to deposits | 73.6412% | 3,172 |
| Net loans and leases to core deposits | 75.2028% | 3,721 |
| Total domestic deposits to total assets | 82.9576% | 4,947 |
| Equity capital to assets | 16.8918% | 442 |
| Core capital (leverage) ratio | 16.8639% | 369 |
| Tier 1 risk-based capital ratio | 23.7135% | 1,038 |
| Total risk-based capital ratio | 24.7054% | 1,056 |
| Memoranda: | ||
| Average total assets | $21,188,500 | 7,151 |
| Average earning assets | $19,839,500 | 7,116 |
| Average equity | $3,580,500 | 6,826 |
| Average total loans | $13,853,000 | 6,907 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 4,078 |
| Cost of funding earning assets | 0.7442% | 5,249 |
| Net interest margin | 3.9962% | 2,899 |
| Noninterest income to average assets | 1.4637% | 606 |
| Noninterest expense to average assets | 3.3245% | 2,444 |
| Loan and lease loss provision to assets | 0.1913% | 4,271 |
| Net operating income to assets | 1.6598% | 592 |
| Return on assets (ROA) | 1.6598% | 633 |
| Pretax return on assets | 1.6981% | 994 |
| Return on Equity (ROE) | 9.9512% | 2,075 |
| Retained earnings to average equity (ytd only) | 3.6134% | 3,639 |
| Net charge-offs to loans | 0.7303% | 2,329 |
| Credit loss provision to net charge-offs | 41.2371% | 5,609 |
| Earnings coverage of net charge-offs (x) | 4.0722% | 3,280 |
| Efficiency ratio | 63.7615% | 5,169 |
| Assets per employee ($millions) | 3.5217% | 4,966 |
| Cash dividends to net income (ytd only)* | 63.6888% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6106% | 7,004 |
| Loan loss allowance to noncurrent loans | 247.2222% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 6,526 |
| Noncurrent loans to loans | 0.2470% | 6,240 |
| Net loans and leases to total assets | 68.5660% | 2,299 |
| Net loans and leases to deposits | 82.6799% | 2,109 |
| Net loans and leases to core deposits | 84.4486% | 2,826 |
| Total domestic deposits to total assets | 82.9295% | 4,779 |
| Equity capital to assets | 16.9049% | 459 |
| Core capital (leverage) ratio | 16.3525% | 429 |
| Tier 1 risk-based capital ratio | 21.6501% | 1,290 |
| Total risk-based capital ratio | 22.1944% | 1,404 |
| Memoranda: | ||
| Average total assets | $20,905,600 | 7,187 |
| Average earning assets | $19,618,400 | 7,150 |
| Average equity | $3,487,000 | 6,881 |
| Average total loans | $13,282,800 | 6,974 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 4,711 |
| Cost of funding earning assets | 0.7687% | 5,340 |
| Net interest margin | 3.8706% | 3,519 |
| Noninterest income to average assets | 1.4261% | 646 |
| Noninterest expense to average assets | 2.9097% | 3,887 |
| Loan and lease loss provision to assets | 0.0959% | 5,263 |
| Net operating income to assets | 2.0272% | 324 |
| Return on assets (ROA) | 2.0272% | 350 |
| Pretax return on assets | 2.0592% | 555 |
| Return on Equity (ROE) | 12.1953% | 1,491 |
| Retained earnings to average equity (ytd only) | 4.8858% | 3,250 |
| Net charge-offs to loans | 0.7510% | 2,061 |
| Credit loss provision to net charge-offs | 20.5479% | 5,549 |
| Earnings coverage of net charge-offs (x) | 4.6165% | 3,006 |
| Efficiency ratio | 57.4495% | 6,089 |
| Assets per employee ($millions) | 3.5597% | 4,851 |
| Cash dividends to net income (ytd only)* | 59.9371% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 7,065 |
| Loan loss allowance to noncurrent loans | 154.3860% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 6,199 |
| Noncurrent loans to loans | 0.3994% | 6,055 |
| Net loans and leases to total assets | 66.4107% | 2,798 |
| Net loans and leases to deposits | 79.9820% | 2,656 |
| Net loans and leases to core deposits | 81.6533% | 3,383 |
| Total domestic deposits to total assets | 83.0321% | 4,668 |
| Equity capital to assets | 16.7712% | 508 |
| Core capital (leverage) ratio | 16.4430% | 450 |
| Tier 1 risk-based capital ratio | 21.9230% | 1,303 |
| Total risk-based capital ratio | 22.4678% | 1,396 |
| Memoranda: | ||
| Average total assets | $20,849,500 | 7,262 |
| Average earning assets | $19,600,500 | 7,220 |
| Average equity | $3,465,750 | 6,945 |
| Average total loans | $12,959,250 | 7,066 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 5,013 |
| Cost of funding earning assets | 0.7939% | 5,413 |
| Net interest margin | 3.7944% | 3,809 |
| Noninterest income to average assets | 1.1509% | 970 |
| Noninterest expense to average assets | 3.2398% | 2,767 |
| Loan and lease loss provision to assets | 0.1451% | 4,493 |
| Net operating income to assets | 1.2863% | 1,354 |
| Return on assets (ROA) | 1.2863% | 1,421 |
| Pretax return on assets | 1.3250% | 2,059 |
| Return on Equity (ROE) | 7.7619% | 3,065 |
| Retained earnings to average equity (ytd only) | -3.3265% | 6,409 |
| Net charge-offs to loans | 1.0542% | 1,492 |
| Credit loss provision to net charge-offs | 22.7273% | 5,093 |
| Earnings coverage of net charge-offs (x) | 2.3030% | 3,676 |
| Efficiency ratio | 68.7885% | 4,368 |
| Assets per employee ($millions) | 3.5907% | 4,712 |
| Cash dividends to net income (ytd only)* | 142.8571% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 6,963 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 6,248 |
| Noncurrent loans to loans | 0.5938% | 5,736 |
| Net loans and leases to total assets | 58.9631% | 4,474 |
| Net loans and leases to deposits | 70.1552% | 4,419 |
| Net loans and leases to core deposits | 71.5904% | 4,868 |
| Total domestic deposits to total assets | 84.0466% | 4,323 |
| Equity capital to assets | 15.7492% | 650 |
| Core capital (leverage) ratio | 15.6584% | 545 |
| Tier 1 risk-based capital ratio | 22.5091% | 1,190 |
| Total risk-based capital ratio | 23.1460% | 1,247 |
| Memoranda: | ||
| Average total assets | $20,680,000 | 7,333 |
| Average earning assets | $19,397,000 | 7,298 |
| Average equity | $3,427,000 | 7,004 |
| Average total loans | $12,521,670 | 7,144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 4,595 |
| Cost of funding earning assets | 0.8053% | 5,551 |
| Net interest margin | 3.8779% | 3,256 |
| Noninterest income to average assets | 0.8495% | 1,855 |
| Noninterest expense to average assets | 2.4694% | 5,673 |
| Loan and lease loss provision to assets | 0.1976% | 3,654 |
| Net operating income to assets | 1.7582% | 527 |
| Return on assets (ROA) | 1.7582% | 556 |
| Pretax return on assets | 1.7977% | 823 |
| Return on Equity (ROE) | 10.3368% | 1,981 |
| Retained earnings to average equity (ytd only) | 1.9744% | 4,943 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3097% | 6,583 |
| Assets per employee ($millions) | 3.5440% | 4,894 |
| Cash dividends to net income (ytd only)* | 80.8989% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 4,932 |
| Loan loss allowance to noncurrent loans | 380.4878% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 6,672 |
| Noncurrent loans to loans | 0.3526% | 6,285 |
| Net loans and leases to total assets | 53.9503% | 5,309 |
| Net loans and leases to deposits | 64.5800% | 5,176 |
| Net loans and leases to core deposits | 65.9159% | 5,520 |
| Total domestic deposits to total assets | 83.5403% | 4,683 |
| Equity capital to assets | 16.2575% | 532 |
| Core capital (leverage) ratio | 16.2046% | 469 |
| Tier 1 risk-based capital ratio | 23.8066% | 990 |
| Total risk-based capital ratio | 24.8890% | 987 |
| Memoranda: | ||
| Average total assets | $20,248,000 | 7,398 |
| Average earning assets | $18,876,000 | 7,365 |
| Average equity | $3,444,000 | 7,029 |
| Average total loans | $12,383,500 | 7,205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 4,022 |
| Cost of funding earning assets | 0.9549% | 5,914 |
| Net interest margin | 4.1617% | 2,320 |
| Noninterest income to average assets | 1.5624% | 602 |
| Noninterest expense to average assets | 3.6036% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8728% | 356 |
| Return on assets (ROA) | 1.8728% | 384 |
| Pretax return on assets | 1.9254% | 579 |
| Return on Equity (ROE) | 10.4786% | 1,769 |
| Retained earnings to average equity (ytd only) | 3.5027% | 3,412 |
| Net charge-offs to loans | 0.0478% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 389 |
| Efficiency ratio | 65.1760% | 5,131 |
| Assets per employee ($millions) | 3.8464% | 4,138 |
| Cash dividends to net income (ytd only)* | 66.5730% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,916 |
| Loan loss allowance to noncurrent loans | 339.5349% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 6,674 |
| Noncurrent loans to loans | 0.3273% | 6,397 |
| Net loans and leases to total assets | 67.5593% | 3,090 |
| Net loans and leases to deposits | 82.5005% | 2,713 |
| Net loans and leases to core deposits | 84.4304% | 3,538 |
| Total domestic deposits to total assets | 81.8896% | 5,224 |
| Equity capital to assets | 17.8401% | 389 |
| Core capital (leverage) ratio | 17.2459% | 380 |
| Tier 1 risk-based capital ratio | 22.3021% | 1,133 |
| Total risk-based capital ratio | 23.2558% | 1,145 |
| Memoranda: | ||
| Average total assets | $19,008,800 | 7,485 |
| Average earning assets | $18,117,600 | 7,445 |
| Average equity | $3,397,400 | 7,160 |
| Average total loans | $12,562,400 | 7,275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 4,309 |
| Cost of funding earning assets | 0.9775% | 6,046 |
| Net interest margin | 4.1231% | 2,521 |
| Noninterest income to average assets | 1.4351% | 657 |
| Noninterest expense to average assets | 3.1938% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.1315% | 275 |
| Return on assets (ROA) | 2.1315% | 293 |
| Pretax return on assets | 2.1878% | 424 |
| Return on Equity (ROE) | 11.9206% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.4686% | 2,669 |
| Net charge-offs to loans | 0.0537% | 5,986 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 62.1679% | 473 |
| Efficiency ratio | 59.3464% | 6,056 |
| Assets per employee ($millions) | 3.8876% | 4,058 |
| Cash dividends to net income (ytd only)* | 54.1251% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,780 |
| Loan loss allowance to noncurrent loans | 326.6667% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 6,788 |
| Noncurrent loans to loans | 0.3477% | 6,500 |
| Net loans and leases to total assets | 65.8247% | 3,728 |
| Net loans and leases to deposits | 80.4413% | 3,368 |
| Net loans and leases to core deposits | 80.4413% | 4,462 |
| Total domestic deposits to total assets | 81.8294% | 5,065 |
| Equity capital to assets | 17.8825% | 421 |
| Core capital (leverage) ratio | 17.5150% | 385 |
| Tier 1 risk-based capital ratio | 22.6697% | 1,111 |
| Total risk-based capital ratio | 23.6401% | 1,122 |
| Memoranda: | ||
| Average total assets | $18,953,000 | 7,583 |
| Average earning assets | $18,141,000 | 7,542 |
| Average equity | $3,389,000 | 7,258 |
| Average total loans | $12,418,250 | 7,378 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 4,260 |
| Cost of funding earning assets | 1.0030% | 6,124 |
| Net interest margin | 4.1346% | 2,400 |
| Noninterest income to average assets | 1.1495% | 980 |
| Noninterest expense to average assets | 3.7145% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3198% | 1,259 |
| Return on assets (ROA) | 1.3198% | 1,332 |
| Pretax return on assets | 1.3836% | 1,877 |
| Return on Equity (ROE) | 7.3810% | 3,154 |
| Retained earnings to average equity (ytd only) | 0.9524% | 5,384 |
| Net charge-offs to loans | 0.0490% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 681 |
| Efficiency ratio | 72.8601% | 3,687 |
| Assets per employee ($millions) | 3.9702% | 3,825 |
| Cash dividends to net income (ytd only)* | 87.0968% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 5,570 |
| Loan loss allowance to noncurrent loans | 317.0213% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 6,806 |
| Noncurrent loans to loans | 0.3710% | 6,497 |
| Net loans and leases to total assets | 63.0648% | 4,452 |
| Net loans and leases to deposits | 76.1219% | 4,315 |
| Net loans and leases to core deposits | 76.1219% | 5,177 |
| Total domestic deposits to total assets | 82.8472% | 4,630 |
| Equity capital to assets | 16.8505% | 550 |
| Core capital (leverage) ratio | 17.2322% | 418 |
| Tier 1 risk-based capital ratio | 22.2918% | 1,161 |
| Total risk-based capital ratio | 23.2950% | 1,169 |
| Memoranda: | ||
| Average total assets | $18,791,330 | 7,657 |
| Average earning assets | $17,946,330 | 7,613 |
| Average equity | $3,360,000 | 7,309 |
| Average total loans | $12,243,670 | 7,443 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 3,067 |
| Cost of funding earning assets | 1.0694% | 6,045 |
| Net interest margin | 4.3241% | 1,618 |
| Noninterest income to average assets | 0.8981% | 1,631 |
| Noninterest expense to average assets | 2.5847% | 5,418 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2999% | 210 |
| Return on assets (ROA) | 2.2999% | 235 |
| Pretax return on assets | 2.3875% | 294 |
| Return on Equity (ROE) | 12.4722% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.4722% | 684 |
| Net charge-offs to loans | 0.0997% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 755 |
| Efficiency ratio | 51.9824% | 7,158 |
| Assets per employee ($millions) | 3.7976% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 5,399 |
| Loan loss allowance to noncurrent loans | 304.0816% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 6,822 |
| Noncurrent loans to loans | 0.4009% | 6,487 |
| Net loans and leases to total assets | 63.5875% | 4,407 |
| Net loans and leases to deposits | 77.8365% | 4,074 |
| Net loans and leases to core deposits | 77.8365% | 5,041 |
| Total domestic deposits to total assets | 81.6937% | 5,200 |
| Equity capital to assets | 18.0061% | 423 |
| Core capital (leverage) ratio | 18.4032% | 348 |
| Tier 1 risk-based capital ratio | 24.3483% | 927 |
| Total risk-based capital ratio | 25.4154% | 930 |
| Memoranda: | ||
| Average total assets | $18,261,500 | 7,768 |
| Average earning assets | $17,206,000 | 7,726 |
| Average equity | $3,367,500 | 7,382 |
| Average total loans | $12,031,500 | 7,547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4278% | 4,545 |
| Cost of funding earning assets | 1.2295% | 6,550 |
| Net interest margin | 4.1983% | 2,065 |
| Noninterest income to average assets | 1.6744% | 516 |
| Noninterest expense to average assets | 3.5616% | 2,240 |
| Loan and lease loss provision to assets | 0.0518% | 7,047 |
| Net operating income to assets | 1.9678% | 243 |
| Return on assets (ROA) | 1.9678% | 253 |
| Pretax return on assets | 2.0886% | 343 |
| Return on Equity (ROE) | 10.4889% | 1,555 |
| Retained earnings to average equity (ytd only) | 4.7537% | 1,942 |
| Net charge-offs to loans | 0.0437% | 6,667 |
| Credit loss provision to net charge-offs | 180.0000% | 2,309 |
| Earnings coverage of net charge-offs (x) | 74.4000% | 368 |
| Efficiency ratio | 62.4622% | 6,064 |
| Assets per employee ($millions) | 3.5070% | 4,988 |
| Cash dividends to net income (ytd only)* | 54.6784% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 4,851 |
| Loan loss allowance to noncurrent loans | 185.3659% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 6,290 |
| Noncurrent loans to loans | 0.6926% | 5,851 |
| Net loans and leases to total assets | 66.6553% | 3,999 |
| Net loans and leases to deposits | 82.5424% | 3,537 |
| Net loans and leases to core deposits | 86.2710% | 5,495 |
| Total domestic deposits to total assets | 80.7528% | 5,421 |
| Equity capital to assets | 18.9107% | 374 |
| Core capital (leverage) ratio | 18.6348% | 358 |
| Tier 1 risk-based capital ratio | 24.5456% | 894 |
| Total risk-based capital ratio | 25.6779% | 887 |
| Memoranda: | ||
| Average total assets | $17,379,800 | 7,845 |
| Average earning assets | $16,673,400 | 7,801 |
| Average equity | $3,260,600 | 7,512 |
| Average total loans | $11,431,800 | 7,632 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 5,017 |
| Cost of funding earning assets | 1.2527% | 6,710 |
| Net interest margin | 4.1332% | 2,274 |
| Noninterest income to average assets | 1.3686% | 808 |
| Noninterest expense to average assets | 3.3446% | 2,744 |
| Loan and lease loss provision to assets | 0.0692% | 6,670 |
| Net operating income to assets | 1.8607% | 394 |
| Return on assets (ROA) | 1.8607% | 414 |
| Pretax return on assets | 1.9375% | 609 |
| Return on Equity (ROE) | 9.9379% | 1,934 |
| Retained earnings to average equity (ytd only) | 9.3219% | 761 |
| Net charge-offs to loans | 0.0589% | 6,119 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 52.1724% | 606 |
| Efficiency ratio | 62.5000% | 6,017 |
| Assets per employee ($millions) | 3.5748% | 4,747 |
| Cash dividends to net income (ytd only)* | 6.1985% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 4,630 |
| Loan loss allowance to noncurrent loans | 233.8462% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 6,576 |
| Noncurrent loans to loans | 0.5465% | 6,218 |
| Net loans and leases to total assets | 65.6932% | 4,493 |
| Net loans and leases to deposits | 81.4455% | 4,123 |
| Net loans and leases to core deposits | 85.6518% | 5,898 |
| Total domestic deposits to total assets | 80.6591% | 5,203 |
| Equity capital to assets | 19.1004% | 410 |
| Core capital (leverage) ratio | 19.3091% | 357 |
| Tier 1 risk-based capital ratio | 25.2846% | 870 |
| Total risk-based capital ratio | 26.4230% | 859 |
| Memoranda: | ||
| Average total assets | $17,341,000 | 7,924 |
| Average earning assets | $16,709,750 | 7,880 |
| Average equity | $3,246,750 | 7,586 |
| Average total loans | $11,329,750 | 7,715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3895% | 5,203 |
| Cost of funding earning assets | 1.2667% | 6,906 |
| Net interest margin | 4.1228% | 2,246 |
| Noninterest income to average assets | 0.7807% | 2,513 |
| Noninterest expense to average assets | 3.9852% | 1,335 |
| Loan and lease loss provision to assets | 0.1049% | 6,115 |
| Net operating income to assets | 0.6176% | 3,604 |
| Return on assets (ROA) | 0.6176% | 3,717 |
| Pretax return on assets | 0.7108% | 3,963 |
| Return on Equity (ROE) | 3.3218% | 4,778 |
| Retained earnings to average equity (ytd only) | 2.3817% | 4,007 |
| Net charge-offs to loans | 0.0898% | 5,294 |
| Credit loss provision to net charge-offs | 180.0000% | 2,538 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,692 |
| Efficiency ratio | 83.0097% | 2,603 |
| Assets per employee ($millions) | 3.5474% | 4,693 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 4,111 |
| Loan loss allowance to noncurrent loans | 226.8657% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 6,512 |
| Noncurrent loans to loans | 0.5850% | 6,086 |
| Net loans and leases to total assets | 63.7143% | 5,040 |
| Net loans and leases to deposits | 78.1914% | 4,838 |
| Net loans and leases to core deposits | 81.6251% | 6,269 |
| Total domestic deposits to total assets | 81.4850% | 4,899 |
| Equity capital to assets | 18.0132% | 547 |
| Core capital (leverage) ratio | 18.3001% | 476 |
| Tier 1 risk-based capital ratio | 24.8087% | 960 |
| Total risk-based capital ratio | 25.9953% | 949 |
| Memoranda: | ||
| Average total assets | $17,163,330 | 8,008 |
| Average earning assets | $16,736,330 | 7,954 |
| Average equity | $3,191,000 | 7,666 |
| Average total loans | $11,141,670 | 7,805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5666% | 4,539 |
| Cost of funding earning assets | 1.2940% | 7,028 |
| Net interest margin | 4.2726% | 1,670 |
| Noninterest income to average assets | 0.7585% | 2,552 |
| Noninterest expense to average assets | 2.6546% | 5,203 |
| Loan and lease loss provision to assets | 0.2133% | 4,311 |
| Net operating income to assets | 1.3510% | 1,258 |
| Return on assets (ROA) | 1.3510% | 1,350 |
| Pretax return on assets | 2.0383% | 622 |
| Return on Equity (ROE) | 7.1496% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.1496% | 2,158 |
| Net charge-offs to loans | 0.2913% | 2,948 |
| Credit loss provision to net charge-offs | 112.5000% | 3,447 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 1,841 |
| Efficiency ratio | 54.1063% | 7,206 |
| Assets per employee ($millions) | 3.3958% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 3,672 |
| Loan loss allowance to noncurrent loans | 215.9420% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 6,280 |
| Noncurrent loans to loans | 0.6347% | 5,821 |
| Net loans and leases to total assets | 63.1486% | 5,132 |
| Net loans and leases to deposits | 78.6474% | 4,824 |
| Net loans and leases to core deposits | 81.5795% | 6,260 |
| Total domestic deposits to total assets | 80.2933% | 5,244 |
| Equity capital to assets | 18.9352% | 505 |
| Core capital (leverage) ratio | 18.8070% | 468 |
| Tier 1 risk-based capital ratio | 26.3605% | 860 |
| Total risk-based capital ratio | 27.5891% | 845 |
| Memoranda: | ||
| Average total assets | $16,876,500 | 8,067 |
| Average earning assets | $16,383,500 | 8,018 |
| Average equity | $3,189,000 | 7,721 |
| Average total loans | $10,986,000 | 7,864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1890% | 4,571 |
| Cost of funding earning assets | 1.9461% | 6,588 |
| Net interest margin | 4.2428% | 2,144 |
| Noninterest income to average assets | 1.6460% | 509 |
| Noninterest expense to average assets | 3.3565% | 2,804 |
| Loan and lease loss provision to assets | 0.3105% | 3,891 |
| Net operating income to assets | 1.3824% | 1,274 |
| Return on assets (ROA) | 1.3824% | 1,225 |
| Pretax return on assets | 2.0912% | 494 |
| Return on Equity (ROE) | 7.8312% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.3334% | 1,041 |
| Net charge-offs to loans | 0.2645% | 3,639 |
| Credit loss provision to net charge-offs | 196.2963% | 2,497 |
| Earnings coverage of net charge-offs (x) | 15.1852% | 1,950 |
| Efficiency ratio | 58.2909% | 6,646 |
| Assets per employee ($millions) | 3.3548% | 5,079 |
| Cash dividends to net income (ytd only)* | 6.3559% | 4,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,574 |
| Loan loss allowance to noncurrent loans | 208.4507% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 5,949 |
| Noncurrent loans to loans | 0.6396% | 5,447 |
| Net loans and leases to total assets | 65.2975% | 4,989 |
| Net loans and leases to deposits | 81.3382% | 4,820 |
| Net loans and leases to core deposits | 85.4102% | 6,176 |
| Total domestic deposits to total assets | 80.2790% | 4,917 |
| Equity capital to assets | 18.8566% | 563 |
| Core capital (leverage) ratio | 18.2378% | 582 |
| Tier 1 risk-based capital ratio | 25.8372% | 919 |
| Total risk-based capital ratio | 27.0550% | 895 |
| Memoranda: | ||
| Average total assets | $17,071,400 | 8,099 |
| Average earning assets | $16,545,600 | 8,048 |
| Average equity | $3,013,600 | 7,833 |
| Average total loans | $10,208,800 | 7,927 |