Home > Bank of Vici > Performance and Condition Ratios
Bank of Vici, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4758% | 644 |
| Cost of funding earning assets | 2.6190% | 689 |
| Net interest margin | 3.8568% | 1,560 |
| Noninterest income to average assets | 0.7300% | 962 |
| Noninterest expense to average assets | 5.9423% | 179 |
| Loan and lease loss provision to assets | 5.4300% | 8 |
| Net operating income to assets | -7.2255% | 4,441 |
| Return on assets (ROA) | -7.2255% | 4,480 |
| Pretax return on assets | -7.2255% | 4,478 |
| Return on Equity (ROE) | -87.2100% | 4,458 |
| Retained earnings to average equity (ytd only) | -87.2144% | 4,481 |
| Net charge-offs to loans | 1.6423% | 88 |
| Credit loss provision to net charge-offs | 635.1351% | 456 |
| Earnings coverage of net charge-offs (x) | -2.0946% | 4,433 |
| Efficiency ratio | 143.1755% | 87 |
| Assets per employee ($millions) | 2.6355% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2811% | 268 |
| Loan loss allowance to noncurrent loans | 30.3638% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 3.9315% | 42 |
| Noncurrent loans to loans | 7.5125% | 25 |
| Net loans and leases to total assets | 51.1400% | 3,510 |
| Net loans and leases to deposits | 55.4374% | 3,679 |
| Net loans and leases to core deposits | 74.6814% | 3,034 |
| Total domestic deposits to total assets | 92.2500% | 233 |
| Equity capital to assets | 7.6149% | 3,793 |
| Core capital (leverage) ratio | 10.9846% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $34,599,500 | 4,318 |
| Average earning assets | $30,699,000 | 4,297 |
| Average equity | $2,866,500 | 4,358 |
| Average total loans | $18,023,000 | 4,226 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9417% | 426 |
| Cost of funding earning assets | 2.0966% | 1,994 |
| Net interest margin | 4.8451% | 412 |
| Noninterest income to average assets | 1.0800% | 536 |
| Noninterest expense to average assets | 5.7724% | 188 |
| Loan and lease loss provision to assets | 1.4900% | 46 |
| Net operating income to assets | -1.8854% | 4,429 |
| Return on assets (ROA) | -1.8854% | 4,464 |
| Pretax return on assets | -1.8854% | 4,464 |
| Return on Equity (ROE) | -17.7200% | 4,440 |
| Retained earnings to average equity (ytd only) | -17.7200% | 4,443 |
| Net charge-offs to loans | 5.3842% | 41 |
| Credit loss provision to net charge-offs | 46.9925% | 2,351 |
| Earnings coverage of net charge-offs (x) | -0.1241% | 4,401 |
| Efficiency ratio | 107.3211% | 202 |
| Assets per employee ($millions) | 2.9114% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0718% | 4,394 |
| Loan loss allowance to noncurrent loans | 0.8581% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 4.3364% | 35 |
| Noncurrent loans to loans | 8.3628% | 24 |
| Net loans and leases to total assets | 51.8200% | 3,535 |
| Net loans and leases to deposits | 57.0119% | 3,665 |
| Net loans and leases to core deposits | 75.0041% | 3,094 |
| Total domestic deposits to total assets | 90.8900% | 548 |
| Equity capital to assets | 8.9418% | 2,855 |
| Core capital (leverage) ratio | 13.0684% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $33,521,400 | 4,346 |
| Average earning assets | $29,762,000 | 4,320 |
| Average equity | $3,566,600 | 4,328 |
| Average total loans | $19,761,400 | 4,217 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0720% | 359 |
| Cost of funding earning assets | 2.0161% | 2,169 |
| Net interest margin | 5.0560% | 318 |
| Noninterest income to average assets | 3.8300% | 157 |
| Noninterest expense to average assets | 5.5434% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.7778% | 171 |
| Return on assets (ROA) | 2.7778% | 175 |
| Pretax return on assets | 2.7778% | 245 |
| Return on Equity (ROE) | 25.0500% | 201 |
| Retained earnings to average equity (ytd only) | 25.0543% | 48 |
| Net charge-offs to loans | 2.3926% | 66 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 1.9088% | 2,623 |
| Efficiency ratio | 66.6184% | 2,411 |
| Assets per employee ($millions) | 2.7821% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 2,868 |
| Loan loss allowance to noncurrent loans | 10.0186% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 6.4280% | 16 |
| Noncurrent loans to loans | 10.7553% | 16 |
| Net loans and leases to total assets | 59.1200% | 3,001 |
| Net loans and leases to deposits | 67.3836% | 3,152 |
| Net loans and leases to core deposits | 84.2568% | 2,550 |
| Total domestic deposits to total assets | 87.7400% | 1,319 |
| Equity capital to assets | 12.1042% | 1,246 |
| Core capital (leverage) ratio | 15.3991% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $33,167,500 | 4,372 |
| Average earning assets | $29,429,750 | 4,353 |
| Average equity | $3,677,250 | 4,350 |
| Average total loans | $20,172,750 | 4,240 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0620% | 344 |
| Cost of funding earning assets | 1.9407% | 2,262 |
| Net interest margin | 5.1213% | 289 |
| Noninterest income to average assets | 1.0300% | 564 |
| Noninterest expense to average assets | 5.9333% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.2857% | 4,367 |
| Return on assets (ROA) | -0.2857% | 4,393 |
| Pretax return on assets | -0.2857% | 4,380 |
| Return on Equity (ROE) | -2.8000% | 4,366 |
| Retained earnings to average equity (ytd only) | -2.7976% | 4,204 |
| Net charge-offs to loans | 3.1809% | 53 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | -0.1460% | 4,479 |
| Efficiency ratio | 105.0592% | 218 |
| Assets per employee ($millions) | 2.7005% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | -0.7246% | 4,563 |
| Loan loss allowance to noncurrent loans | -5.6796% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 7.8782% | 11 |
| Noncurrent loans to loans | 12.7586% | 10 |
| Net loans and leases to total assets | 62.2000% | 2,740 |
| Net loans and leases to deposits | 69.6032% | 3,022 |
| Net loans and leases to core deposits | 87.4859% | 2,309 |
| Total domestic deposits to total assets | 89.3600% | 892 |
| Equity capital to assets | 10.5289% | 1,787 |
| Core capital (leverage) ratio | 14.3579% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $32,899,000 | 4,395 |
| Average earning assets | $29,680,000 | 4,373 |
| Average equity | $3,360,000 | 4,384 |
| Average total loans | $20,246,000 | 4,261 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9787% | 340 |
| Cost of funding earning assets | 1.8450% | 2,378 |
| Net interest margin | 5.1338% | 275 |
| Noninterest income to average assets | 0.9300% | 633 |
| Noninterest expense to average assets | 6.6857% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -1.1223% | 4,526 |
| Return on assets (ROA) | -1.1223% | 4,517 |
| Pretax return on assets | -1.1223% | 4,508 |
| Return on Equity (ROE) | -11.1600% | 4,489 |
| Retained earnings to average equity (ytd only) | -11.1578% | 4,327 |
| Net charge-offs to loans | 0.5696% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -3.2069% | 4,523 |
| Efficiency ratio | 120.1735% | 121 |
| Assets per employee ($millions) | 2.5594% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 4,048 |
| Loan loss allowance to noncurrent loans | 9.3849% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 4.7397% | 32 |
| Noncurrent loans to loans | 7.8661% | 20 |
| Net loans and leases to total assets | 59.8100% | 2,880 |
| Net loans and leases to deposits | 66.4951% | 3,134 |
| Net loans and leases to core deposits | 83.4557% | 2,482 |
| Total domestic deposits to total assets | 89.9500% | 811 |
| Equity capital to assets | 9.8672% | 2,085 |
| Core capital (leverage) ratio | 14.3253% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $33,145,500 | 4,425 |
| Average earning assets | $29,919,500 | 4,399 |
| Average equity | $3,334,000 | 4,406 |
| Average total loans | $20,364,000 | 4,285 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8481% | 254 |
| Cost of funding earning assets | 1.1534% | 2,926 |
| Net interest margin | 5.6947% | 149 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 4.6428% | 266 |
| Loan and lease loss provision to assets | 0.7800% | 95 |
| Net operating income to assets | 0.6734% | 3,254 |
| Return on assets (ROA) | 0.3710% | 3,918 |
| Pretax return on assets | 0.3710% | 4,003 |
| Return on Equity (ROE) | 4.1000% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.1030% | 2,923 |
| Net charge-offs to loans | 1.7454% | 49 |
| Credit loss provision to net charge-offs | 82.3353% | 2,003 |
| Earnings coverage of net charge-offs (x) | 1.5299% | 2,755 |
| Efficiency ratio | 76.0992% | 1,233 |
| Assets per employee ($millions) | 2.2013% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 3,833 |
| Loan loss allowance to noncurrent loans | 16.3889% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 3.2708% | 59 |
| Noncurrent loans to loans | 5.2224% | 45 |
| Net loans and leases to total assets | 62.0900% | 2,663 |
| Net loans and leases to deposits | 70.5201% | 2,848 |
| Net loans and leases to core deposits | 86.0133% | 2,307 |
| Total domestic deposits to total assets | 88.0500% | 1,337 |
| Equity capital to assets | 10.2517% | 1,868 |
| Core capital (leverage) ratio | 14.8582% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $35,043,600 | 4,432 |
| Average earning assets | $31,819,000 | 4,402 |
| Average equity | $3,168,400 | 4,413 |
| Average total loans | $19,136,200 | 4,307 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9039% | 213 |
| Cost of funding earning assets | 0.9332% | 3,194 |
| Net interest margin | 5.9707% | 111 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 4.4744% | 283 |
| Loan and lease loss provision to assets | 1.0300% | 58 |
| Net operating income to assets | 0.7651% | 3,121 |
| Return on assets (ROA) | 0.4088% | 3,942 |
| Pretax return on assets | 0.4088% | 4,051 |
| Return on Equity (ROE) | 4.6700% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.6666% | 3,055 |
| Net charge-offs to loans | 2.2115% | 37 |
| Credit loss provision to net charge-offs | 88.4244% | 1,705 |
| Earnings coverage of net charge-offs (x) | 1.5402% | 2,528 |
| Efficiency ratio | 71.3517% | 1,635 |
| Assets per employee ($millions) | 2.4054% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,324 |
| Loan loss allowance to noncurrent loans | 29.4551% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.0163% | 141 |
| Noncurrent loans to loans | 3.4186% | 108 |
| Net loans and leases to total assets | 58.3900% | 2,995 |
| Net loans and leases to deposits | 64.5820% | 3,221 |
| Net loans and leases to core deposits | 80.0081% | 2,602 |
| Total domestic deposits to total assets | 90.4100% | 837 |
| Equity capital to assets | 8.7184% | 2,590 |
| Core capital (leverage) ratio | 13.9486% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $35,549,750 | 4,447 |
| Average earning assets | $32,290,250 | 4,422 |
| Average equity | $3,114,250 | 4,435 |
| Average total loans | $18,750,250 | 4,327 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8496% | 193 |
| Cost of funding earning assets | 0.6916% | 3,508 |
| Net interest margin | 6.1580% | 94 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 4.4341% | 281 |
| Loan and lease loss provision to assets | 1.5100% | 39 |
| Net operating income to assets | 0.5363% | 3,736 |
| Return on assets (ROA) | 0.5363% | 3,742 |
| Pretax return on assets | 0.5363% | 3,901 |
| Return on Equity (ROE) | 6.1100% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.1128% | 2,582 |
| Net charge-offs to loans | 3.1448% | 28 |
| Credit loss provision to net charge-offs | 94.8097% | 1,481 |
| Earnings coverage of net charge-offs (x) | 1.2837% | 2,374 |
| Efficiency ratio | 68.3717% | 1,939 |
| Assets per employee ($millions) | 2.7316% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,513 |
| Loan loss allowance to noncurrent loans | 43.1068% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 248 |
| Noncurrent loans to loans | 2.7490% | 165 |
| Net loans and leases to total assets | 52.1300% | 3,399 |
| Net loans and leases to deposits | 57.3145% | 3,575 |
| Net loans and leases to core deposits | 71.6908% | 3,029 |
| Total domestic deposits to total assets | 90.9500% | 665 |
| Equity capital to assets | 8.9437% | 2,554 |
| Core capital (leverage) ratio | 13.3149% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $36,174,333 | 4,464 |
| Average earning assets | $32,965,333 | 4,444 |
| Average equity | $3,173,667 | 4,457 |
| Average total loans | $18,379,667 | 4,356 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 365 |
| Cost of funding earning assets | 0.5877% | 3,412 |
| Net interest margin | 5.3010% | 199 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 3.8021% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0161% | 478 |
| Return on assets (ROA) | 2.0161% | 474 |
| Pretax return on assets | 2.0161% | 753 |
| Return on Equity (ROE) | 23.2000% | 495 |
| Retained earnings to average equity (ytd only) | 23.1994% | 233 |
| Net charge-offs to loans | -0.1099% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.3484% | 2,290 |
| Assets per employee ($millions) | 2.6296% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,034 |
| Loan loss allowance to noncurrent loans | 19.9338% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 3.3030% | 40 |
| Noncurrent loans to loans | 6.5235% | 36 |
| Net loans and leases to total assets | 49.6900% | 3,518 |
| Net loans and leases to deposits | 54.6634% | 3,642 |
| Net loans and leases to core deposits | 66.0958% | 3,218 |
| Total domestic deposits to total assets | 90.9000% | 831 |
| Equity capital to assets | 9.0153% | 2,508 |
| Core capital (leverage) ratio | 13.4552% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $36,506,000 | 4,528 |
| Average earning assets | $33,352,500 | 4,508 |
| Average equity | $3,172,500 | 4,521 |
| Average total loans | $18,202,500 | 4,417 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 223 |
| Cost of funding earning assets | 0.5015% | 1,382 |
| Net interest margin | 4.7046% | 204 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 4.1226% | 305 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9170% | 2,887 |
| Return on assets (ROA) | 0.9170% | 2,834 |
| Pretax return on assets | 0.9170% | 3,306 |
| Return on Equity (ROE) | 9.8800% | 2,844 |
| Retained earnings to average equity (ytd only) | 7.5567% | 2,003 |
| Net charge-offs to loans | 0.2464% | 323 |
| Credit loss provision to net charge-offs | 113.6364% | 1,489 |
| Earnings coverage of net charge-offs (x) | 8.9773% | 2,241 |
| Efficiency ratio | 79.7020% | 740 |
| Assets per employee ($millions) | 2.7844% | 4,557 |
| Cash dividends to net income (ytd only)* | 23.4783% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 1,806 |
| Loan loss allowance to noncurrent loans | 23.9594% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.7488% | 64 |
| Noncurrent loans to loans | 5.5114% | 44 |
| Net loans and leases to total assets | 48.7200% | 3,610 |
| Net loans and leases to deposits | 53.2151% | 3,727 |
| Net loans and leases to core deposits | 61.6234% | 3,415 |
| Total domestic deposits to total assets | 91.5600% | 767 |
| Equity capital to assets | 8.3598% | 2,806 |
| Core capital (leverage) ratio | 12.8673% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $37,622,200 | 4,550 |
| Average earning assets | $34,498,200 | 4,526 |
| Average equity | $3,493,600 | 4,570 |
| Average total loans | $17,859,200 | 4,440 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 255 |
| Cost of funding earning assets | 0.4943% | 769 |
| Net interest margin | 4.3724% | 293 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 3.9846% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7899% | 3,304 |
| Return on assets (ROA) | 0.7899% | 3,251 |
| Pretax return on assets | 0.7899% | 3,609 |
| Return on Equity (ROE) | 8.3100% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.3177% | 2,990 |
| Net charge-offs to loans | 0.0597% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 28.1250% | 1,554 |
| Efficiency ratio | 83.4559% | 580 |
| Assets per employee ($millions) | 3.4026% | 4,503 |
| Cash dividends to net income (ytd only)* | 36.0000% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,370 |
| Loan loss allowance to noncurrent loans | 18.6085% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 3.2274% | 43 |
| Noncurrent loans to loans | 6.6065% | 34 |
| Net loans and leases to total assets | 47.6500% | 3,656 |
| Net loans and leases to deposits | 51.6881% | 3,752 |
| Net loans and leases to core deposits | 59.4494% | 3,424 |
| Total domestic deposits to total assets | 92.1900% | 820 |
| Equity capital to assets | 7.6972% | 3,089 |
| Core capital (leverage) ratio | 11.8992% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $37,978,500 | 4,580 |
| Average earning assets | $34,793,500 | 4,562 |
| Average equity | $3,610,500 | 4,604 |
| Average total loans | $17,856,000 | 4,472 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 262 |
| Cost of funding earning assets | 0.4919% | 538 |
| Net interest margin | 4.1924% | 342 |
| Noninterest income to average assets | 0.7652% | 1,141 |
| Noninterest expense to average assets | 4.0040% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6027% | 3,618 |
| Return on assets (ROA) | 0.6027% | 3,566 |
| Pretax return on assets | 0.6027% | 3,813 |
| Return on Equity (ROE) | 5.9683% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.9683% | 2,345 |
| Net charge-offs to loans | 0.1462% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.8462% | 1,814 |
| Efficiency ratio | 86.9170% | 544 |
| Assets per employee ($millions) | 2.9283% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,679 |
| Loan loss allowance to noncurrent loans | 19.2718% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 3.0051% | 60 |
| Noncurrent loans to loans | 6.2258% | 35 |
| Net loans and leases to total assets | 46.9397% | 3,633 |
| Net loans and leases to deposits | 51.1991% | 3,746 |
| Net loans and leases to core deposits | 59.9470% | 3,273 |
| Total domestic deposits to total assets | 91.6807% | 976 |
| Equity capital to assets | 8.2431% | 2,951 |
| Core capital (leverage) ratio | 11.9628% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,161,667 | 4,620 |
| Average earning assets | $34,967,667 | 4,617 |
| Average equity | $3,853,667 | 4,626 |
| Average total loans | $17,788,667 | 4,537 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 433 |
| Cost of funding earning assets | 0.5153% | 458 |
| Net interest margin | 3.7900% | 645 |
| Noninterest income to average assets | 0.8794% | 870 |
| Noninterest expense to average assets | 3.6641% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6805% | 3,127 |
| Return on assets (ROA) | 0.6805% | 3,115 |
| Pretax return on assets | 0.6805% | 3,443 |
| Return on Equity (ROE) | 6.1736% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.1736% | 2,188 |
| Net charge-offs to loans | 0.4082% | 167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.6111% | 1,659 |
| Efficiency ratio | 84.3373% | 823 |
| Assets per employee ($millions) | 2.9665% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,856 |
| Loan loss allowance to noncurrent loans | 18.9964% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.9483% | 65 |
| Noncurrent loans to loans | 6.3194% | 41 |
| Net loans and leases to total assets | 45.2443% | 3,637 |
| Net loans and leases to deposits | 50.3710% | 3,703 |
| Net loans and leases to core deposits | 58.5013% | 3,272 |
| Total domestic deposits to total assets | 89.8221% | 1,666 |
| Equity capital to assets | 10.0975% | 1,829 |
| Core capital (leverage) ratio | 11.6779% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,208,500 | 4,646 |
| Average earning assets | $34,934,000 | 4,641 |
| Average equity | $4,211,500 | 4,640 |
| Average total loans | $17,640,000 | 4,557 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8733% | 317 |
| Cost of funding earning assets | 0.5854% | 585 |
| Net interest margin | 4.2879% | 418 |
| Noninterest income to average assets | 1.0156% | 971 |
| Noninterest expense to average assets | 3.9487% | 300 |
| Loan and lease loss provision to assets | 0.3967% | 171 |
| Net operating income to assets | 0.6030% | 3,871 |
| Return on assets (ROA) | 0.6030% | 3,913 |
| Pretax return on assets | 0.6030% | 4,103 |
| Return on Equity (ROE) | 5.0302% | 3,993 |
| Retained earnings to average equity (ytd only) | 3.1108% | 3,584 |
| Net charge-offs to loans | 0.2232% | 416 |
| Credit loss provision to net charge-offs | 375.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 9.4500% | 2,259 |
| Efficiency ratio | 79.7969% | 818 |
| Assets per employee ($millions) | 2.7038% | 4,727 |
| Cash dividends to net income (ytd only)* | 38.1579% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,336 |
| Loan loss allowance to noncurrent loans | 16.1064% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 3.8385% | 48 |
| Noncurrent loans to loans | 8.1044% | 23 |
| Net loans and leases to total assets | 45.9409% | 3,698 |
| Net loans and leases to deposits | 52.2269% | 3,722 |
| Net loans and leases to core deposits | 58.8534% | 3,402 |
| Total domestic deposits to total assets | 87.9640% | 2,066 |
| Equity capital to assets | 11.9647% | 1,266 |
| Core capital (leverage) ratio | 11.8662% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,810,000 | 4,684 |
| Average earning assets | $34,678,600 | 4,673 |
| Average equity | $4,532,600 | 4,667 |
| Average total loans | $17,922,000 | 4,600 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 397 |
| Cost of funding earning assets | 0.6384% | 522 |
| Net interest margin | 4.1840% | 562 |
| Noninterest income to average assets | 0.9876% | 1,090 |
| Noninterest expense to average assets | 3.8624% | 313 |
| Loan and lease loss provision to assets | 0.3519% | 203 |
| Net operating income to assets | 0.6102% | 3,990 |
| Return on assets (ROA) | 0.6102% | 4,039 |
| Pretax return on assets | 0.6102% | 4,219 |
| Return on Equity (ROE) | 5.0879% | 4,103 |
| Retained earnings to average equity (ytd only) | 2.5293% | 4,045 |
| Net charge-offs to loans | 0.2000% | 420 |
| Credit loss provision to net charge-offs | 370.3704% | 903 |
| Earnings coverage of net charge-offs (x) | 10.1111% | 2,047 |
| Efficiency ratio | 80.0439% | 740 |
| Assets per employee ($millions) | 2.8631% | 4,775 |
| Cash dividends to net income (ytd only)* | 50.2890% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,585 |
| Loan loss allowance to noncurrent loans | 16.0566% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 3.3020% | 64 |
| Noncurrent loans to loans | 6.6541% | 44 |
| Net loans and leases to total assets | 48.0145% | 3,629 |
| Net loans and leases to deposits | 54.7502% | 3,675 |
| Net loans and leases to core deposits | 63.1328% | 3,211 |
| Total domestic deposits to total assets | 87.6975% | 2,012 |
| Equity capital to assets | 12.2166% | 1,302 |
| Core capital (leverage) ratio | 11.4128% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,799,250 | 4,754 |
| Average earning assets | $34,670,750 | 4,742 |
| Average equity | $4,533,500 | 4,737 |
| Average total loans | $17,997,500 | 4,667 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 483 |
| Cost of funding earning assets | 0.6656% | 531 |
| Net interest margin | 4.1086% | 680 |
| Noninterest income to average assets | 1.1055% | 923 |
| Noninterest expense to average assets | 3.8587% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0160% | 2,841 |
| Return on assets (ROA) | 1.0160% | 2,919 |
| Pretax return on assets | 1.0160% | 3,410 |
| Return on Equity (ROE) | 8.5229% | 3,256 |
| Retained earnings to average equity (ytd only) | 6.7565% | 2,519 |
| Net charge-offs to loans | -0.3227% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1577% | 840 |
| Assets per employee ($millions) | 2.9614% | 4,788 |
| Cash dividends to net income (ytd only)* | 20.7254% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 4,332 |
| Loan loss allowance to noncurrent loans | 11.7231% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 3.3820% | 78 |
| Noncurrent loans to loans | 7.0140% | 41 |
| Net loans and leases to total assets | 46.6829% | 3,853 |
| Net loans and leases to deposits | 52.9991% | 3,930 |
| Net loans and leases to core deposits | 61.7849% | 3,481 |
| Total domestic deposits to total assets | 88.0825% | 1,778 |
| Equity capital to assets | 11.8422% | 1,439 |
| Core capital (leverage) ratio | 11.2627% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,992,333 | 4,783 |
| Average earning assets | $34,853,667 | 4,769 |
| Average equity | $4,529,000 | 4,767 |
| Average total loans | $17,975,333 | 4,704 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 284 |
| Cost of funding earning assets | 0.7498% | 451 |
| Net interest margin | 4.4182% | 413 |
| Noninterest income to average assets | 0.9857% | 1,158 |
| Noninterest expense to average assets | 2.6815% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3636% | 335 |
| Return on assets (ROA) | 2.3636% | 357 |
| Pretax return on assets | 2.3636% | 548 |
| Return on Equity (ROE) | 19.7607% | 552 |
| Retained earnings to average equity (ytd only) | 16.2162% | 492 |
| Net charge-offs to loans | -0.1341% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1513% | 3,892 |
| Assets per employee ($millions) | 3.0022% | 4,820 |
| Cash dividends to net income (ytd only)* | 17.9372% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 4,554 |
| Loan loss allowance to noncurrent loans | 9.7750% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 3.3872% | 81 |
| Noncurrent loans to loans | 7.2710% | 43 |
| Net loans and leases to total assets | 45.0998% | 4,032 |
| Net loans and leases to deposits | 51.1166% | 4,097 |
| Net loans and leases to core deposits | 58.7144% | 3,788 |
| Total domestic deposits to total assets | 88.2293% | 1,725 |
| Equity capital to assets | 11.6913% | 1,443 |
| Core capital (leverage) ratio | 11.7297% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,739,500 | 4,805 |
| Average earning assets | $34,674,500 | 4,791 |
| Average equity | $4,514,000 | 4,790 |
| Average total loans | $17,902,500 | 4,730 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 694 |
| Cost of funding earning assets | 0.8549% | 1,001 |
| Net interest margin | 3.9753% | 1,028 |
| Noninterest income to average assets | 0.9924% | 1,056 |
| Noninterest expense to average assets | 5.4278% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.8077% | 4,911 |
| Return on assets (ROA) | -0.8077% | 4,913 |
| Pretax return on assets | -0.8077% | 4,910 |
| Return on Equity (ROE) | -6.1656% | 4,909 |
| Retained earnings to average equity (ytd only) | -7.8069% | 4,882 |
| Net charge-offs to loans | 0.1092% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -14.6500% | 3,414 |
| Efficiency ratio | 117.4821% | 85 |
| Assets per employee ($millions) | 2.8038% | 4,855 |
| Cash dividends to net income (ytd only)* | -26.6212% | 4,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 4,647 |
| Loan loss allowance to noncurrent loans | 7.1301% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 4.7133% | 47 |
| Noncurrent loans to loans | 9.3102% | 29 |
| Net loans and leases to total assets | 49.2647% | 3,882 |
| Net loans and leases to deposits | 56.2175% | 3,980 |
| Net loans and leases to core deposits | 63.5646% | 3,724 |
| Total domestic deposits to total assets | 87.6324% | 1,641 |
| Equity capital to assets | 12.2497% | 1,450 |
| Core capital (leverage) ratio | 11.6858% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,276,200 | 4,815 |
| Average earning assets | $33,104,800 | 4,809 |
| Average equity | $4,752,200 | 4,782 |
| Average total loans | $18,310,000 | 4,745 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 592 |
| Cost of funding earning assets | 0.8794% | 1,139 |
| Net interest margin | 4.1307% | 845 |
| Noninterest income to average assets | 0.9310% | 1,152 |
| Noninterest expense to average assets | 4.0625% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6366% | 3,675 |
| Return on assets (ROA) | 0.6366% | 3,765 |
| Pretax return on assets | 0.6366% | 4,034 |
| Return on Equity (ROE) | 4.7815% | 3,945 |
| Retained earnings to average equity (ytd only) | 2.6257% | 3,680 |
| Net charge-offs to loans | 0.0073% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 539 |
| Efficiency ratio | 86.4526% | 479 |
| Assets per employee ($millions) | 2.8619% | 4,871 |
| Cash dividends to net income (ytd only)* | 45.0867% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 4,455 |
| Loan loss allowance to noncurrent loans | 7.0273% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 5.3837% | 49 |
| Noncurrent loans to loans | 10.8348% | 25 |
| Net loans and leases to total assets | 48.6951% | 4,176 |
| Net loans and leases to deposits | 56.1802% | 4,247 |
| Net loans and leases to core deposits | 64.3657% | 3,996 |
| Total domestic deposits to total assets | 86.6765% | 1,786 |
| Equity capital to assets | 13.2213% | 1,096 |
| Core capital (leverage) ratio | 12.7510% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,232,750 | 4,842 |
| Average earning assets | $33,052,750 | 4,835 |
| Average equity | $4,824,000 | 4,800 |
| Average total loans | $18,368,250 | 4,777 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 658 |
| Cost of funding earning assets | 0.9266% | 1,253 |
| Net interest margin | 4.2000% | 919 |
| Noninterest income to average assets | 0.9691% | 1,039 |
| Noninterest expense to average assets | 4.1494% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6572% | 3,555 |
| Return on assets (ROA) | 0.6572% | 3,650 |
| Pretax return on assets | 0.6572% | 3,956 |
| Return on Equity (ROE) | 4.9245% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.6693% | 3,883 |
| Net charge-offs to loans | 0.0978% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.1111% | 2,009 |
| Efficiency ratio | 86.3268% | 523 |
| Assets per employee ($millions) | 2.9113% | 4,875 |
| Cash dividends to net income (ytd only)* | 66.1017% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 4,512 |
| Loan loss allowance to noncurrent loans | 7.9250% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 4.4019% | 70 |
| Noncurrent loans to loans | 9.1579% | 31 |
| Net loans and leases to total assets | 47.3459% | 4,292 |
| Net loans and leases to deposits | 54.4022% | 4,365 |
| Net loans and leases to core deposits | 63.4795% | 4,104 |
| Total domestic deposits to total assets | 87.0294% | 1,603 |
| Equity capital to assets | 12.8755% | 1,218 |
| Core capital (leverage) ratio | 12.5288% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,908,667 | 4,869 |
| Average earning assets | $32,809,667 | 4,861 |
| Average equity | $4,792,333 | 4,829 |
| Average total loans | $18,405,667 | 4,805 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4194% | 448 |
| Cost of funding earning assets | 0.9785% | 1,517 |
| Net interest margin | 4.4409% | 578 |
| Noninterest income to average assets | 1.2364% | 576 |
| Noninterest expense to average assets | 4.2244% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0647% | 1,949 |
| Return on assets (ROA) | 1.0647% | 2,056 |
| Pretax return on assets | 1.0647% | 2,623 |
| Return on Equity (ROE) | 7.8283% | 2,584 |
| Retained earnings to average equity (ytd only) | 7.8283% | 1,282 |
| Net charge-offs to loans | -0.0646% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8701% | 1,154 |
| Assets per employee ($millions) | 2.7612% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,486 |
| Loan loss allowance to noncurrent loans | 10.1418% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 3.9642% | 100 |
| Noncurrent loans to loans | 7.5116% | 52 |
| Net loans and leases to total assets | 51.8944% | 4,121 |
| Net loans and leases to deposits | 59.9627% | 4,198 |
| Net loans and leases to core deposits | 69.4246% | 3,916 |
| Total domestic deposits to total assets | 86.5445% | 1,753 |
| Equity capital to assets | 13.3302% | 1,294 |
| Core capital (leverage) ratio | 13.3682% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,939,500 | 4,911 |
| Average earning assets | $31,885,500 | 4,906 |
| Average equity | $4,752,000 | 4,869 |
| Average total loans | $18,583,500 | 4,835 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 573 |
| Cost of funding earning assets | 0.6637% | 3,335 |
| Net interest margin | 4.8235% | 379 |
| Noninterest income to average assets | 1.0611% | 845 |
| Noninterest expense to average assets | 4.1915% | 429 |
| Loan and lease loss provision to assets | 0.2089% | 961 |
| Net operating income to assets | 1.0527% | 2,646 |
| Return on assets (ROA) | 1.0527% | 2,739 |
| Pretax return on assets | 1.0527% | 3,320 |
| Return on Equity (ROE) | 8.1585% | 3,098 |
| Retained earnings to average equity (ytd only) | 1.8778% | 4,053 |
| Net charge-offs to loans | 0.3159% | 656 |
| Credit loss provision to net charge-offs | 127.1186% | 2,004 |
| Earnings coverage of net charge-offs (x) | 7.6780% | 2,853 |
| Efficiency ratio | 76.8641% | 1,279 |
| Assets per employee ($millions) | 2.6141% | 4,966 |
| Cash dividends to net income (ytd only)* | 76.9841% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 4,417 |
| Loan loss allowance to noncurrent loans | 8.2742% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 5.0202% | 60 |
| Noncurrent loans to loans | 9.1977% | 29 |
| Net loans and leases to total assets | 53.7210% | 4,092 |
| Net loans and leases to deposits | 62.4649% | 4,170 |
| Net loans and leases to core deposits | 68.8646% | 4,033 |
| Total domestic deposits to total assets | 86.0018% | 2,068 |
| Equity capital to assets | 13.8864% | 1,142 |
| Core capital (leverage) ratio | 13.5201% | 1,051 |
| Tier 1 risk-based capital ratio | 19.8913% | 1,344 |
| Total risk-based capital ratio | 20.4857% | 1,435 |
| Memoranda: | ||
| Average total assets | $35,906,000 | 4,958 |
| Average earning assets | $32,694,200 | 4,951 |
| Average equity | $4,633,200 | 4,928 |
| Average total loans | $18,675,600 | 4,893 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2466% | 950 |
| Cost of funding earning assets | 0.6156% | 3,613 |
| Net interest margin | 4.6310% | 572 |
| Noninterest income to average assets | 0.9674% | 1,005 |
| Noninterest expense to average assets | 4.0490% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1359% | 2,429 |
| Return on assets (ROA) | 1.1359% | 2,515 |
| Pretax return on assets | 1.1359% | 3,184 |
| Return on Equity (ROE) | 8.9623% | 2,905 |
| Retained earnings to average equity (ytd only) | 5.3485% | 2,711 |
| Net charge-offs to loans | 0.0498% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 44.3001% | 1,280 |
| Efficiency ratio | 78.0919% | 1,097 |
| Assets per employee ($millions) | 2.9069% | 4,934 |
| Cash dividends to net income (ytd only)* | 40.3223% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 4,769 |
| Loan loss allowance to noncurrent loans | 18.3962% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8634% | 512 |
| Noncurrent loans to loans | 3.3949% | 251 |
| Net loans and leases to total assets | 53.3698% | 4,226 |
| Net loans and leases to deposits | 61.9246% | 4,295 |
| Net loans and leases to core deposits | 69.3965% | 4,084 |
| Total domestic deposits to total assets | 86.1852% | 1,910 |
| Equity capital to assets | 13.7460% | 1,256 |
| Core capital (leverage) ratio | 13.4526% | 1,149 |
| Tier 1 risk-based capital ratio | 20.6959% | 1,232 |
| Total risk-based capital ratio | 21.2023% | 1,341 |
| Memoranda: | ||
| Average total assets | $36,386,750 | 5,022 |
| Average earning assets | $33,138,000 | 5,018 |
| Average equity | $4,611,750 | 4,998 |
| Average total loans | $18,745,500 | 4,966 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1929% | 991 |
| Cost of funding earning assets | 0.5664% | 3,805 |
| Net interest margin | 4.6265% | 584 |
| Noninterest income to average assets | 0.9217% | 1,034 |
| Noninterest expense to average assets | 4.1368% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9922% | 2,952 |
| Return on assets (ROA) | 0.9922% | 3,018 |
| Pretax return on assets | 0.9922% | 3,573 |
| Return on Equity (ROE) | 8.0428% | 3,276 |
| Retained earnings to average equity (ytd only) | 2.5491% | 3,922 |
| Net charge-offs to loans | 0.1387% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.0769% | 2,063 |
| Efficiency ratio | 80.6554% | 912 |
| Assets per employee ($millions) | 3.0659% | 4,868 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5893% | 4,892 |
| Loan loss allowance to noncurrent loans | 24.6667% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 1,025 |
| Noncurrent loans to loans | 2.3892% | 520 |
| Net loans and leases to total assets | 50.8929% | 4,417 |
| Net loans and leases to deposits | 58.2794% | 4,505 |
| Net loans and leases to core deposits | 64.5455% | 4,387 |
| Total domestic deposits to total assets | 87.3257% | 1,423 |
| Equity capital to assets | 12.6254% | 1,786 |
| Core capital (leverage) ratio | 12.6183% | 1,475 |
| Tier 1 risk-based capital ratio | 19.3981% | 1,458 |
| Total risk-based capital ratio | 19.8608% | 1,603 |
| Memoranda: | ||
| Average total assets | $36,888,000 | 5,054 |
| Average earning assets | $33,545,670 | 5,055 |
| Average equity | $4,550,670 | 5,040 |
| Average total loans | $18,749,330 | 5,007 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 1,221 |
| Cost of funding earning assets | 0.5436% | 3,856 |
| Net interest margin | 4.5027% | 741 |
| Noninterest income to average assets | 0.9422% | 939 |
| Noninterest expense to average assets | 3.7253% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3428% | 1,546 |
| Return on assets (ROA) | 1.3428% | 1,587 |
| Pretax return on assets | 1.3428% | 2,279 |
| Return on Equity (ROE) | 11.0137% | 1,940 |
| Retained earnings to average equity (ytd only) | 8.7932% | 1,388 |
| Net charge-offs to loans | 0.4063% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.5263% | 2,188 |
| Efficiency ratio | 73.5043% | 1,818 |
| Assets per employee ($millions) | 3.0820% | 4,931 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5625% | 4,999 |
| Loan loss allowance to noncurrent loans | 23.3853% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 1,055 |
| Noncurrent loans to loans | 2.4053% | 556 |
| Net loans and leases to total assets | 50.1893% | 4,453 |
| Net loans and leases to deposits | 57.3397% | 4,533 |
| Net loans and leases to core deposits | 64.1684% | 4,371 |
| Total domestic deposits to total assets | 87.5297% | 1,562 |
| Equity capital to assets | 12.4135% | 1,793 |
| Core capital (leverage) ratio | 12.6970% | 1,404 |
| Tier 1 risk-based capital ratio | 19.7701% | 1,383 |
| Total risk-based capital ratio | 20.2122% | 1,520 |
| Memoranda: | ||
| Average total assets | $36,936,500 | 5,108 |
| Average earning assets | $33,846,500 | 5,104 |
| Average equity | $4,503,500 | 5,086 |
| Average total loans | $18,706,500 | 5,060 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 730 |
| Cost of funding earning assets | 0.4376% | 3,752 |
| Net interest margin | 4.7375% | 457 |
| Noninterest income to average assets | 0.9049% | 1,167 |
| Noninterest expense to average assets | 4.2400% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0258% | 2,905 |
| Return on assets (ROA) | 1.0258% | 2,892 |
| Pretax return on assets | 1.0258% | 3,525 |
| Return on Equity (ROE) | 8.8116% | 3,088 |
| Retained earnings to average equity (ytd only) | 5.1209% | 2,705 |
| Net charge-offs to loans | -0.3284% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5201% | 914 |
| Assets per employee ($millions) | 2.8376% | 5,073 |
| Cash dividends to net income (ytd only)* | 41.8848% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 4,879 |
| Loan loss allowance to noncurrent loans | 11.4180% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.9846% | 213 |
| Noncurrent loans to loans | 5.7932% | 82 |
| Net loans and leases to total assets | 50.4812% | 4,490 |
| Net loans and leases to deposits | 57.3797% | 4,599 |
| Net loans and leases to core deposits | 62.5971% | 4,512 |
| Total domestic deposits to total assets | 87.9774% | 1,305 |
| Equity capital to assets | 11.9710% | 1,919 |
| Core capital (leverage) ratio | 12.2274% | 1,603 |
| Tier 1 risk-based capital ratio | 19.2078% | 1,477 |
| Total risk-based capital ratio | 19.7259% | 1,577 |
| Memoranda: | ||
| Average total assets | $37,240,400 | 5,140 |
| Average earning assets | $34,279,800 | 5,124 |
| Average equity | $4,335,200 | 5,131 |
| Average total loans | $17,661,800 | 5,128 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 1,239 |
| Cost of funding earning assets | 0.4547% | 3,495 |
| Net interest margin | 4.4150% | 872 |
| Noninterest income to average assets | 0.8215% | 1,406 |
| Noninterest expense to average assets | 3.8361% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0430% | 2,898 |
| Return on assets (ROA) | 1.0430% | 2,913 |
| Pretax return on assets | 1.0430% | 3,594 |
| Return on Equity (ROE) | 9.0225% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.0871% | 2,615 |
| Net charge-offs to loans | -0.5443% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6237% | 1,062 |
| Assets per employee ($millions) | 2.8928% | 5,110 |
| Cash dividends to net income (ytd only)* | 32.5336% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,761 |
| Loan loss allowance to noncurrent loans | 11.0040% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 3.3504% | 188 |
| Noncurrent loans to loans | 6.7847% | 62 |
| Net loans and leases to total assets | 48.4298% | 4,696 |
| Net loans and leases to deposits | 54.7397% | 4,795 |
| Net loans and leases to core deposits | 59.9506% | 4,705 |
| Total domestic deposits to total assets | 88.4729% | 1,060 |
| Equity capital to assets | 11.4686% | 2,286 |
| Core capital (leverage) ratio | 12.0227% | 1,774 |
| Tier 1 risk-based capital ratio | 19.0017% | 1,536 |
| Total risk-based capital ratio | 19.5711% | 1,667 |
| Memoranda: | ||
| Average total assets | $37,328,250 | 5,203 |
| Average earning assets | $34,306,500 | 5,189 |
| Average equity | $4,315,000 | 5,199 |
| Average total loans | $17,390,750 | 5,199 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,528 |
| Cost of funding earning assets | 0.4264% | 3,528 |
| Net interest margin | 4.2639% | 1,127 |
| Noninterest income to average assets | 0.8325% | 1,378 |
| Noninterest expense to average assets | 3.5235% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2300% | 2,059 |
| Return on assets (ROA) | 1.2300% | 2,056 |
| Pretax return on assets | 1.2300% | 2,816 |
| Return on Equity (ROE) | 10.6125% | 2,275 |
| Retained earnings to average equity (ytd only) | 8.7588% | 1,301 |
| Net charge-offs to loans | -0.7967% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1243% | 1,691 |
| Assets per employee ($millions) | 3.2688% | 4,857 |
| Cash dividends to net income (ytd only)* | 17.4672% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 4,749 |
| Loan loss allowance to noncurrent loans | 8.6844% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 3.9719% | 138 |
| Noncurrent loans to loans | 9.0050% | 35 |
| Net loans and leases to total assets | 43.3412% | 4,937 |
| Net loans and leases to deposits | 48.8030% | 5,007 |
| Net loans and leases to core deposits | 53.6022% | 4,946 |
| Total domestic deposits to total assets | 88.8084% | 1,010 |
| Equity capital to assets | 11.1406% | 2,515 |
| Core capital (leverage) ratio | 11.9442% | 1,754 |
| Tier 1 risk-based capital ratio | 19.2712% | 1,481 |
| Total risk-based capital ratio | 19.8370% | 1,618 |
| Memoranda: | ||
| Average total assets | $37,235,330 | 5,265 |
| Average earning assets | $34,240,670 | 5,251 |
| Average equity | $4,315,670 | 5,256 |
| Average total loans | $17,071,000 | 5,267 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 1,234 |
| Cost of funding earning assets | 0.4202% | 3,443 |
| Net interest margin | 4.3099% | 934 |
| Noninterest income to average assets | 0.9161% | 1,111 |
| Noninterest expense to average assets | 3.8190% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0596% | 2,612 |
| Return on assets (ROA) | 1.0596% | 2,621 |
| Pretax return on assets | 1.0596% | 3,316 |
| Return on Equity (ROE) | 8.9542% | 2,924 |
| Retained earnings to average equity (ytd only) | 8.9542% | 1,470 |
| Net charge-offs to loans | -1.5729% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2805% | 1,327 |
| Assets per employee ($millions) | 2.8042% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,873 |
| Loan loss allowance to noncurrent loans | 10.3421% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 3.6456% | 192 |
| Noncurrent loans to loans | 7.4279% | 58 |
| Net loans and leases to total assets | 47.1266% | 4,747 |
| Net loans and leases to deposits | 53.4536% | 4,824 |
| Net loans and leases to core deposits | 57.2705% | 4,782 |
| Total domestic deposits to total assets | 88.1635% | 1,531 |
| Equity capital to assets | 11.7762% | 1,927 |
| Core capital (leverage) ratio | 12.2166% | 1,517 |
| Tier 1 risk-based capital ratio | 19.3092% | 1,472 |
| Total risk-based capital ratio | 19.8834% | 1,618 |
| Memoranda: | ||
| Average total assets | $36,240,000 | 5,343 |
| Average earning assets | $33,318,500 | 5,329 |
| Average equity | $4,288,500 | 5,316 |
| Average total loans | $17,039,000 | 5,325 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 973 |
| Cost of funding earning assets | 0.3970% | 3,286 |
| Net interest margin | 4.4071% | 751 |
| Noninterest income to average assets | 0.8595% | 1,384 |
| Noninterest expense to average assets | 4.1569% | 443 |
| Loan and lease loss provision to assets | 0.1247% | 1,833 |
| Net operating income to assets | 0.6128% | 3,955 |
| Return on assets (ROA) | 0.6128% | 3,998 |
| Pretax return on assets | 0.6128% | 4,718 |
| Return on Equity (ROE) | 5.2919% | 4,046 |
| Retained earnings to average equity (ytd only) | 0.7560% | 4,738 |
| Net charge-offs to loans | 0.5662% | 408 |
| Credit loss provision to net charge-offs | 48.9583% | 3,340 |
| Earnings coverage of net charge-offs (x) | 2.8958% | 3,679 |
| Efficiency ratio | 84.9322% | 707 |
| Assets per employee ($millions) | 2.7712% | 5,348 |
| Cash dividends to net income (ytd only)* | 85.7143% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3937% | 5,493 |
| Loan loss allowance to noncurrent loans | 22.0000% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 1,785 |
| Noncurrent loans to loans | 1.7894% | 896 |
| Net loans and leases to total assets | 46.3539% | 4,868 |
| Net loans and leases to deposits | 52.6400% | 4,952 |
| Net loans and leases to core deposits | 56.4518% | 4,918 |
| Total domestic deposits to total assets | 88.0583% | 1,471 |
| Equity capital to assets | 11.8917% | 1,916 |
| Core capital (leverage) ratio | 11.6676% | 1,818 |
| Tier 1 risk-based capital ratio | 19.7241% | 1,375 |
| Total risk-based capital ratio | 20.0216% | 1,523 |
| Memoranda: | ||
| Average total assets | $37,696,400 | 5,366 |
| Average earning assets | $34,512,400 | 5,359 |
| Average equity | $4,365,200 | 5,366 |
| Average total loans | $16,956,200 | 5,389 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,167 |
| Cost of funding earning assets | 0.3864% | 3,316 |
| Net interest margin | 4.3002% | 922 |
| Noninterest income to average assets | 0.7696% | 1,704 |
| Noninterest expense to average assets | 3.7745% | 702 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9270% | 2,894 |
| Return on assets (ROA) | 0.9270% | 2,953 |
| Pretax return on assets | 0.9270% | 3,943 |
| Return on Equity (ROE) | 8.0565% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.2869% | 3,351 |
| Net charge-offs to loans | 0.0941% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 22.0825% | 1,886 |
| Efficiency ratio | 80.2827% | 1,068 |
| Assets per employee ($millions) | 2.8722% | 5,340 |
| Cash dividends to net income (ytd only)* | 46.7933% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 5,316 |
| Loan loss allowance to noncurrent loans | 19.8842% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6230% | 908 |
| Noncurrent loans to loans | 3.0296% | 416 |
| Net loans and leases to total assets | 45.5166% | 4,962 |
| Net loans and leases to deposits | 51.7147% | 5,063 |
| Net loans and leases to core deposits | 55.3187% | 5,028 |
| Total domestic deposits to total assets | 88.0149% | 1,356 |
| Equity capital to assets | 11.9289% | 2,015 |
| Core capital (leverage) ratio | 12.0128% | 1,678 |
| Tier 1 risk-based capital ratio | 19.7760% | 1,416 |
| Total risk-based capital ratio | 20.2302% | 1,552 |
| Memoranda: | ||
| Average total assets | $38,114,250 | 5,417 |
| Average earning assets | $34,850,500 | 5,414 |
| Average equity | $4,385,500 | 5,418 |
| Average total loans | $17,004,000 | 5,447 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 992 |
| Cost of funding earning assets | 0.3770% | 3,313 |
| Net interest margin | 4.3581% | 755 |
| Noninterest income to average assets | 0.7818% | 1,635 |
| Noninterest expense to average assets | 3.7683% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9903% | 2,469 |
| Return on assets (ROA) | 0.9903% | 2,523 |
| Pretax return on assets | 0.9903% | 3,605 |
| Return on Equity (ROE) | 8.7103% | 2,658 |
| Retained earnings to average equity (ytd only) | 5.3637% | 2,486 |
| Net charge-offs to loans | -0.2710% | 5,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1895% | 1,311 |
| Assets per employee ($millions) | 2.8935% | 5,362 |
| Cash dividends to net income (ytd only)* | 38.4211% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 4,932 |
| Loan loss allowance to noncurrent loans | 29.3617% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 1,037 |
| Noncurrent loans to loans | 2.7468% | 513 |
| Net loans and leases to total assets | 45.1230% | 4,984 |
| Net loans and leases to deposits | 51.2083% | 5,093 |
| Net loans and leases to core deposits | 54.7445% | 5,058 |
| Total domestic deposits to total assets | 88.1164% | 1,400 |
| Equity capital to assets | 11.8437% | 2,046 |
| Core capital (leverage) ratio | 11.6859% | 1,840 |
| Tier 1 risk-based capital ratio | 19.5665% | 1,458 |
| Total risk-based capital ratio | 20.1720% | 1,568 |
| Memoranda: | ||
| Average total assets | $38,373,000 | 5,456 |
| Average earning assets | $35,015,330 | 5,455 |
| Average equity | $4,362,670 | 5,461 |
| Average total loans | $16,972,670 | 5,492 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,337 |
| Cost of funding earning assets | 0.3941% | 3,048 |
| Net interest margin | 4.1210% | 1,167 |
| Noninterest income to average assets | 0.8980% | 1,252 |
| Noninterest expense to average assets | 3.5714% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1045% | 1,851 |
| Return on assets (ROA) | 1.1045% | 1,891 |
| Pretax return on assets | 1.1045% | 2,963 |
| Return on Equity (ROE) | 9.9154% | 2,000 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,386 |
| Net charge-offs to loans | -0.5443% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3797% | 1,854 |
| Assets per employee ($millions) | 2.9630% | 5,384 |
| Cash dividends to net income (ytd only)* | 40.1869% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 5,053 |
| Loan loss allowance to noncurrent loans | 28.6902% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 1,102 |
| Noncurrent loans to loans | 2.8021% | 516 |
| Net loans and leases to total assets | 44.2068% | 5,027 |
| Net loans and leases to deposits | 49.8755% | 5,140 |
| Net loans and leases to core deposits | 52.8787% | 5,113 |
| Total domestic deposits to total assets | 88.6342% | 1,353 |
| Equity capital to assets | 11.3087% | 2,344 |
| Core capital (leverage) ratio | 11.2055% | 2,178 |
| Tier 1 risk-based capital ratio | 19.1291% | 1,581 |
| Total risk-based capital ratio | 19.7282% | 1,706 |
| Memoranda: | ||
| Average total assets | $38,752,000 | 5,514 |
| Average earning assets | $35,525,500 | 5,502 |
| Average equity | $4,316,500 | 5,524 |
| Average total loans | $16,903,500 | 5,551 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 1,742 |
| Cost of funding earning assets | 0.4207% | 2,800 |
| Net interest margin | 4.0113% | 1,606 |
| Noninterest income to average assets | 0.7712% | 1,875 |
| Noninterest expense to average assets | 3.7717% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7117% | 3,733 |
| Return on assets (ROA) | 0.7142% | 3,836 |
| Pretax return on assets | 0.7142% | 4,443 |
| Return on Equity (ROE) | 6.4635% | 3,753 |
| Retained earnings to average equity (ytd only) | 0.6733% | 5,056 |
| Net charge-offs to loans | 0.5053% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.3765% | 3,676 |
| Efficiency ratio | 84.1261% | 998 |
| Assets per employee ($millions) | 2.7846% | 5,501 |
| Cash dividends to net income (ytd only)* | 89.5833% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 5,376 |
| Loan loss allowance to noncurrent loans | 29.1139% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 1,445 |
| Noncurrent loans to loans | 2.3737% | 682 |
| Net loans and leases to total assets | 42.3907% | 5,216 |
| Net loans and leases to deposits | 47.6391% | 5,313 |
| Net loans and leases to core deposits | 50.4580% | 5,287 |
| Total domestic deposits to total assets | 88.9829% | 1,131 |
| Equity capital to assets | 10.9709% | 2,652 |
| Core capital (leverage) ratio | 10.9799% | 2,363 |
| Tier 1 risk-based capital ratio | 19.2499% | 1,535 |
| Total risk-based capital ratio | 19.7597% | 1,691 |
| Memoranda: | ||
| Average total assets | $40,326,800 | 5,538 |
| Average earning assets | $37,320,000 | 5,520 |
| Average equity | $4,455,800 | 5,563 |
| Average total loans | $16,820,200 | 5,617 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 1,955 |
| Cost of funding earning assets | 0.4239% | 2,797 |
| Net interest margin | 3.9422% | 1,845 |
| Noninterest income to average assets | 0.6853% | 2,238 |
| Noninterest expense to average assets | 3.4527% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8919% | 2,949 |
| Return on assets (ROA) | 0.8919% | 3,077 |
| Pretax return on assets | 0.8919% | 4,005 |
| Return on Equity (ROE) | 8.0582% | 2,972 |
| Retained earnings to average equity (ytd only) | 2.1033% | 4,640 |
| Net charge-offs to loans | 0.6324% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.4002% | 3,422 |
| Efficiency ratio | 79.4717% | 1,498 |
| Assets per employee ($millions) | 2.8257% | 5,534 |
| Cash dividends to net income (ytd only)* | 73.8957% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7086% | 5,413 |
| Loan loss allowance to noncurrent loans | 30.3797% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 1,627 |
| Noncurrent loans to loans | 2.3326% | 786 |
| Net loans and leases to total assets | 42.5025% | 5,270 |
| Net loans and leases to deposits | 47.9811% | 5,380 |
| Net loans and leases to core deposits | 51.2591% | 5,340 |
| Total domestic deposits to total assets | 88.5819% | 1,115 |
| Equity capital to assets | 11.3701% | 2,633 |
| Core capital (leverage) ratio | 10.8757% | 2,596 |
| Tier 1 risk-based capital ratio | 19.4343% | 1,563 |
| Total risk-based capital ratio | 19.9663% | 1,699 |
| Memoranda: | ||
| Average total assets | $40,662,250 | 5,583 |
| Average earning assets | $37,744,750 | 5,569 |
| Average equity | $4,500,500 | 5,614 |
| Average total loans | $16,865,000 | 5,673 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 1,941 |
| Cost of funding earning assets | 0.4246% | 2,780 |
| Net interest margin | 3.9370% | 1,852 |
| Noninterest income to average assets | 0.6824% | 2,223 |
| Noninterest expense to average assets | 3.4365% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9067% | 2,828 |
| Return on assets (ROA) | 0.9067% | 2,961 |
| Pretax return on assets | 0.9067% | 3,930 |
| Return on Equity (ROE) | 8.2642% | 2,853 |
| Retained earnings to average equity (ytd only) | 4.3543% | 3,144 |
| Net charge-offs to loans | 0.8075% | 248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.7353% | 3,219 |
| Efficiency ratio | 79.1246% | 1,618 |
| Assets per employee ($millions) | 2.9427% | 5,487 |
| Cash dividends to net income (ytd only)* | 47.3118% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 5,314 |
| Loan loss allowance to noncurrent loans | 29.8643% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 1,567 |
| Noncurrent loans to loans | 2.6289% | 639 |
| Net loans and leases to total assets | 40.4898% | 5,399 |
| Net loans and leases to deposits | 45.5342% | 5,513 |
| Net loans and leases to core deposits | 48.5011% | 5,481 |
| Total domestic deposits to total assets | 88.9218% | 953 |
| Equity capital to assets | 11.0297% | 3,029 |
| Core capital (leverage) ratio | 10.8126% | 2,635 |
| Tier 1 risk-based capital ratio | 18.8730% | 1,720 |
| Total risk-based capital ratio | 19.4378% | 1,845 |
| Memoranda: | ||
| Average total assets | $41,029,670 | 5,637 |
| Average earning assets | $38,150,670 | 5,625 |
| Average equity | $4,501,330 | 5,676 |
| Average total loans | $16,842,000 | 5,742 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,190 |
| Cost of funding earning assets | 0.4325% | 2,747 |
| Net interest margin | 3.8506% | 2,101 |
| Noninterest income to average assets | 0.7620% | 1,764 |
| Noninterest expense to average assets | 3.2629% | 1,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0648% | 2,031 |
| Return on assets (ROA) | 1.0648% | 2,143 |
| Pretax return on assets | 1.0648% | 3,224 |
| Return on Equity (ROE) | 9.7321% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.7321% | 918 |
| Net charge-offs to loans | 0.1186% | 1,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.8000% | 1,424 |
| Efficiency ratio | 75.3950% | 2,270 |
| Assets per employee ($millions) | 2.9533% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,796 |
| Loan loss allowance to noncurrent loans | 38.3104% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.4947% | 1,364 |
| Noncurrent loans to loans | 2.9902% | 552 |
| Net loans and leases to total assets | 40.6980% | 5,419 |
| Net loans and leases to deposits | 45.7604% | 5,516 |
| Net loans and leases to core deposits | 49.3793% | 5,465 |
| Total domestic deposits to total assets | 88.9373% | 1,134 |
| Equity capital to assets | 10.9974% | 2,946 |
| Core capital (leverage) ratio | 10.7229% | 2,695 |
| Tier 1 risk-based capital ratio | 19.2136% | 1,682 |
| Total risk-based capital ratio | 20.0608% | 1,747 |
| Memoranda: | ||
| Average total assets | $40,945,500 | 5,696 |
| Average earning assets | $37,916,000 | 5,683 |
| Average equity | $4,480,000 | 5,724 |
| Average total loans | $16,856,500 | 5,792 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 2,025 |
| Cost of funding earning assets | 0.5522% | 1,741 |
| Net interest margin | 3.8073% | 2,348 |
| Noninterest income to average assets | 0.7473% | 1,999 |
| Noninterest expense to average assets | 3.4975% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8035% | 3,318 |
| Return on assets (ROA) | 0.8035% | 3,402 |
| Pretax return on assets | 0.8035% | 4,171 |
| Return on Equity (ROE) | 7.7256% | 3,121 |
| Retained earnings to average equity (ytd only) | 2.7253% | 4,131 |
| Net charge-offs to loans | -0.1613% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3181% | 1,496 |
| Assets per employee ($millions) | 2.8961% | 5,618 |
| Cash dividends to net income (ytd only)* | 64.7230% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 3,501 |
| Loan loss allowance to noncurrent loans | 36.2319% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 1.6328% | 1,202 |
| Noncurrent loans to loans | 3.3072% | 450 |
| Net loans and leases to total assets | 40.6733% | 5,481 |
| Net loans and leases to deposits | 45.6713% | 5,584 |
| Net loans and leases to core deposits | 48.3224% | 5,554 |
| Total domestic deposits to total assets | 89.0566% | 1,095 |
| Equity capital to assets | 10.8842% | 2,956 |
| Core capital (leverage) ratio | 10.4218% | 3,033 |
| Tier 1 risk-based capital ratio | 19.0358% | 1,700 |
| Total risk-based capital ratio | 19.9188% | 1,739 |
| Memoranda: | ||
| Average total assets | $42,687,400 | 5,714 |
| Average earning assets | $39,844,000 | 5,683 |
| Average equity | $4,439,800 | 5,775 |
| Average total loans | $16,734,000 | 5,841 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,259 |
| Cost of funding earning assets | 0.5830% | 1,519 |
| Net interest margin | 3.7088% | 2,730 |
| Noninterest income to average assets | 0.6416% | 2,522 |
| Noninterest expense to average assets | 3.2821% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8329% | 3,268 |
| Return on assets (ROA) | 0.8329% | 3,349 |
| Pretax return on assets | 0.8329% | 4,232 |
| Return on Equity (ROE) | 8.0960% | 3,027 |
| Retained earnings to average equity (ytd only) | 4.4379% | 3,304 |
| Net charge-offs to loans | -0.1990% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7601% | 1,694 |
| Assets per employee ($millions) | 3.1189% | 5,408 |
| Cash dividends to net income (ytd only)* | 45.1846% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 3,505 |
| Loan loss allowance to noncurrent loans | 45.6221% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 1,734 |
| Noncurrent loans to loans | 2.6883% | 719 |
| Net loans and leases to total assets | 39.3282% | 5,630 |
| Net loans and leases to deposits | 44.2674% | 5,714 |
| Net loans and leases to core deposits | 47.8442% | 5,663 |
| Total domestic deposits to total assets | 88.8423% | 1,102 |
| Equity capital to assets | 11.0886% | 2,914 |
| Core capital (leverage) ratio | 10.4504% | 3,101 |
| Tier 1 risk-based capital ratio | 19.5954% | 1,650 |
| Total risk-based capital ratio | 20.4895% | 1,683 |
| Memoranda: | ||
| Average total assets | $43,223,000 | 5,776 |
| Average earning assets | $40,479,250 | 5,740 |
| Average equity | $4,446,500 | 5,849 |
| Average total loans | $16,744,750 | 5,915 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,188 |
| Cost of funding earning assets | 0.6092% | 1,349 |
| Net interest margin | 3.6840% | 2,780 |
| Noninterest income to average assets | 0.6120% | 2,670 |
| Noninterest expense to average assets | 3.3458% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7208% | 3,787 |
| Return on assets (ROA) | 0.7208% | 3,904 |
| Pretax return on assets | 0.7208% | 4,597 |
| Return on Equity (ROE) | 7.1783% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.3792% | 3,229 |
| Net charge-offs to loans | -0.4957% | 6,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2742% | 1,451 |
| Assets per employee ($millions) | 3.0864% | 5,491 |
| Cash dividends to net income (ytd only)* | 38.9937% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 3,340 |
| Loan loss allowance to noncurrent loans | 114.9733% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 3,316 |
| Noncurrent loans to loans | 1.1148% | 2,423 |
| Net loans and leases to total assets | 38.3230% | 5,723 |
| Net loans and leases to deposits | 42.7649% | 5,810 |
| Net loans and leases to core deposits | 46.2736% | 5,753 |
| Total domestic deposits to total assets | 89.6133% | 836 |
| Equity capital to assets | 10.3219% | 3,661 |
| Core capital (leverage) ratio | 9.5338% | 4,238 |
| Tier 1 risk-based capital ratio | 14.3162% | 3,751 |
| Total risk-based capital ratio | 15.0341% | 3,981 |
| Memoranda: | ||
| Average total assets | $44,115,330 | 5,815 |
| Average earning assets | $41,367,670 | 5,779 |
| Average equity | $4,430,000 | 5,910 |
| Average total loans | $16,945,000 | 5,970 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 2,492 |
| Cost of funding earning assets | 0.6587% | 1,061 |
| Net interest margin | 3.5323% | 3,293 |
| Noninterest income to average assets | 0.6372% | 2,464 |
| Noninterest expense to average assets | 3.0425% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9154% | 2,676 |
| Return on assets (ROA) | 0.9154% | 2,797 |
| Pretax return on assets | 0.9154% | 3,833 |
| Return on Equity (ROE) | 9.2412% | 2,341 |
| Retained earnings to average equity (ytd only) | 4.9830% | 3,065 |
| Net charge-offs to loans | -1.1744% | 6,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8707% | 2,361 |
| Assets per employee ($millions) | 3.2283% | 5,362 |
| Cash dividends to net income (ytd only)* | 46.0784% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 3,309 |
| Loan loss allowance to noncurrent loans | 160.4317% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 3,807 |
| Noncurrent loans to loans | 0.8223% | 3,189 |
| Net loans and leases to total assets | 36.9059% | 5,780 |
| Net loans and leases to deposits | 40.9717% | 5,881 |
| Net loans and leases to core deposits | 44.3405% | 5,831 |
| Total domestic deposits to total assets | 90.0766% | 709 |
| Equity capital to assets | 9.8482% | 4,328 |
| Core capital (leverage) ratio | 9.6100% | 4,134 |
| Tier 1 risk-based capital ratio | 13.8990% | 4,087 |
| Total risk-based capital ratio | 14.6290% | 4,301 |
| Memoranda: | ||
| Average total assets | $44,568,500 | 5,857 |
| Average earning assets | $41,899,500 | 5,819 |
| Average equity | $4,415,000 | 5,967 |
| Average total loans | $17,030,500 | 6,015 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 2,876 |
| Cost of funding earning assets | 0.9565% | 276 |
| Net interest margin | 3.2648% | 4,705 |
| Noninterest income to average assets | 0.6689% | 2,456 |
| Noninterest expense to average assets | 3.0980% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6425% | 4,181 |
| Return on assets (ROA) | 0.6425% | 4,280 |
| Pretax return on assets | 0.6425% | 4,804 |
| Return on Equity (ROE) | 6.6063% | 3,841 |
| Retained earnings to average equity (ytd only) | -0.0905% | 5,780 |
| Net charge-offs to loans | 0.1261% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 2,284 |
| Efficiency ratio | 82.8235% | 1,551 |
| Assets per employee ($millions) | 3.3801% | 5,108 |
| Cash dividends to net income (ytd only)* | 101.3699% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 4,998 |
| Loan loss allowance to noncurrent loans | 58.2492% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 2,877 |
| Noncurrent loans to loans | 1.7310% | 1,677 |
| Net loans and leases to total assets | 38.6541% | 5,813 |
| Net loans and leases to deposits | 42.9695% | 5,931 |
| Net loans and leases to core deposits | 45.6697% | 5,906 |
| Total domestic deposits to total assets | 89.9570% | 749 |
| Equity capital to assets | 9.9656% | 4,156 |
| Core capital (leverage) ratio | 9.1119% | 4,805 |
| Tier 1 risk-based capital ratio | 18.4764% | 1,995 |
| Total risk-based capital ratio | 19.2391% | 2,106 |
| Memoranda: | ||
| Average total assets | $45,449,000 | 5,891 |
| Average earning assets | $42,759,600 | 5,859 |
| Average equity | $4,420,000 | 6,003 |
| Average total loans | $17,440,800 | 6,069 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 3,284 |
| Cost of funding earning assets | 0.9766% | 272 |
| Net interest margin | 3.1454% | 5,130 |
| Noninterest income to average assets | 0.5877% | 2,943 |
| Noninterest expense to average assets | 2.7960% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7623% | 3,615 |
| Return on assets (ROA) | 0.7623% | 3,709 |
| Pretax return on assets | 0.7623% | 4,500 |
| Return on Equity (ROE) | 7.8849% | 3,272 |
| Retained earnings to average equity (ytd only) | 3.3407% | 4,235 |
| Net charge-offs to loans | 0.0914% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.8325% | 1,658 |
| Efficiency ratio | 78.5773% | 2,099 |
| Assets per employee ($millions) | 3.4543% | 4,945 |
| Cash dividends to net income (ytd only)* | 57.6348% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 4,910 |
| Loan loss allowance to noncurrent loans | 56.5217% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 3,020 |
| Noncurrent loans to loans | 1.8855% | 1,692 |
| Net loans and leases to total assets | 37.6253% | 5,956 |
| Net loans and leases to deposits | 41.8301% | 6,060 |
| Net loans and leases to core deposits | 45.2563% | 5,989 |
| Total domestic deposits to total assets | 89.9479% | 754 |
| Equity capital to assets | 9.9541% | 4,219 |
| Core capital (leverage) ratio | 9.3689% | 4,546 |
| Tier 1 risk-based capital ratio | 18.8263% | 1,949 |
| Total risk-based capital ratio | 19.6265% | 2,059 |
| Memoranda: | ||
| Average total assets | $45,826,000 | 5,955 |
| Average earning assets | $43,279,750 | 5,914 |
| Average equity | $4,430,250 | 6,064 |
| Average total loans | $17,511,500 | 6,122 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,100 |
| Cost of funding earning assets | 0.9829% | 277 |
| Net interest margin | 3.1783% | 5,019 |
| Noninterest income to average assets | 0.5766% | 2,950 |
| Noninterest expense to average assets | 2.8440% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7327% | 3,662 |
| Return on assets (ROA) | 0.7327% | 3,753 |
| Pretax return on assets | 0.7327% | 4,526 |
| Return on Equity (ROE) | 7.6523% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.9432% | 4,330 |
| Net charge-offs to loans | 0.3058% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.2593% | 2,799 |
| Efficiency ratio | 79.5152% | 2,093 |
| Assets per employee ($millions) | 3.2929% | 5,259 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 5,603 |
| Loan loss allowance to noncurrent loans | 62.9213% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 4,012 |
| Noncurrent loans to loans | 1.4942% | 2,329 |
| Net loans and leases to total assets | 38.3961% | 5,933 |
| Net loans and leases to deposits | 42.5433% | 6,047 |
| Net loans and leases to core deposits | 45.9134% | 6,001 |
| Total domestic deposits to total assets | 90.2518% | 685 |
| Equity capital to assets | 9.6592% | 4,545 |
| Core capital (leverage) ratio | 9.3703% | 4,501 |
| Tier 1 risk-based capital ratio | 18.1993% | 2,167 |
| Total risk-based capital ratio | 18.9172% | 2,333 |
| Memoranda: | ||
| Average total assets | $46,132,670 | 6,003 |
| Average earning assets | $43,545,670 | 5,958 |
| Average equity | $4,417,000 | 6,117 |
| Average total loans | $17,656,000 | 6,169 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 3,995 |
| Cost of funding earning assets | 0.9924% | 281 |
| Net interest margin | 2.9318% | 5,687 |
| Noninterest income to average assets | 0.6414% | 2,509 |
| Noninterest expense to average assets | 2.6263% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8061% | 3,124 |
| Return on assets (ROA) | 0.8061% | 3,200 |
| Pretax return on assets | 0.8061% | 4,081 |
| Return on Equity (ROE) | 8.4565% | 2,709 |
| Retained earnings to average equity (ytd only) | 4.3646% | 3,507 |
| Net charge-offs to loans | 0.8889% | 394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.3846% | 2,889 |
| Efficiency ratio | 76.5152% | 2,725 |
| Assets per employee ($millions) | 3.5586% | 4,812 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 5,886 |
| Loan loss allowance to noncurrent loans | 72.5581% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 4,512 |
| Noncurrent loans to loans | 1.2316% | 2,985 |
| Net loans and leases to total assets | 37.3979% | 5,992 |
| Net loans and leases to deposits | 41.3979% | 6,111 |
| Net loans and leases to core deposits | 44.7147% | 6,045 |
| Total domestic deposits to total assets | 90.3376% | 898 |
| Equity capital to assets | 9.5543% | 4,420 |
| Core capital (leverage) ratio | 9.2678% | 4,621 |
| Tier 1 risk-based capital ratio | 18.3688% | 2,156 |
| Total risk-based capital ratio | 19.0441% | 2,349 |
| Memoranda: | ||
| Average total assets | $46,148,500 | 6,065 |
| Average earning assets | $43,932,000 | 6,004 |
| Average equity | $4,399,000 | 6,161 |
| Average total loans | $17,549,500 | 6,236 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,161 |
| Cost of funding earning assets | 1.0429% | 371 |
| Net interest margin | 3.4692% | 4,030 |
| Noninterest income to average assets | 0.7058% | 2,510 |
| Noninterest expense to average assets | 2.9660% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9939% | 2,350 |
| Return on assets (ROA) | 0.9961% | 2,414 |
| Pretax return on assets | 0.9961% | 3,363 |
| Return on Equity (ROE) | 10.1780% | 2,040 |
| Retained earnings to average equity (ytd only) | 3.5600% | 3,682 |
| Net charge-offs to loans | 0.4272% | 1,565 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.7051% | 3,234 |
| Efficiency ratio | 74.9013% | 2,970 |
| Assets per employee ($millions) | 3.8363% | 4,190 |
| Cash dividends to net income (ytd only)* | 65.0224% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,119 |
| Loan loss allowance to noncurrent loans | 69.6429% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 4,181 |
| Noncurrent loans to loans | 1.5871% | 2,521 |
| Net loans and leases to total assets | 37.8994% | 6,101 |
| Net loans and leases to deposits | 41.9288% | 6,227 |
| Net loans and leases to core deposits | 45.2981% | 6,172 |
| Total domestic deposits to total assets | 90.3899% | 880 |
| Equity capital to assets | 9.5102% | 4,417 |
| Core capital (leverage) ratio | 9.2418% | 4,651 |
| Tier 1 risk-based capital ratio | 18.0745% | 2,225 |
| Total risk-based capital ratio | 18.9148% | 2,329 |
| Memoranda: | ||
| Average total assets | $44,774,400 | 6,154 |
| Average earning assets | $41,997,800 | 6,111 |
| Average equity | $4,382,000 | 6,240 |
| Average total loans | $18,260,400 | 6,277 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 2,262 |
| Cost of funding earning assets | 1.0597% | 375 |
| Net interest margin | 3.4329% | 4,156 |
| Noninterest income to average assets | 0.6688% | 2,787 |
| Noninterest expense to average assets | 2.7680% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1066% | 1,981 |
| Return on assets (ROA) | 1.1096% | 2,040 |
| Pretax return on assets | 1.1096% | 3,069 |
| Return on Equity (ROE) | 11.2553% | 1,725 |
| Retained earnings to average equity (ytd only) | 5.7798% | 2,550 |
| Net charge-offs to loans | 0.2462% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.8535% | 2,309 |
| Efficiency ratio | 71.4396% | 3,523 |
| Assets per employee ($millions) | 3.4362% | 4,980 |
| Cash dividends to net income (ytd only)* | 48.6479% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,401 |
| Loan loss allowance to noncurrent loans | 79.9331% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 4,219 |
| Noncurrent loans to loans | 1.6246% | 2,741 |
| Net loans and leases to total assets | 40.6662% | 5,984 |
| Net loans and leases to deposits | 45.1722% | 6,147 |
| Net loans and leases to core deposits | 49.1039% | 6,064 |
| Total domestic deposits to total assets | 90.0248% | 983 |
| Equity capital to assets | 9.8610% | 4,097 |
| Core capital (leverage) ratio | 9.6988% | 4,108 |
| Tier 1 risk-based capital ratio | 18.2659% | 2,222 |
| Total risk-based capital ratio | 19.2984% | 2,270 |
| Memoranda: | ||
| Average total assets | $44,459,250 | 6,238 |
| Average earning assets | $41,518,750 | 6,197 |
| Average equity | $4,383,000 | 6,313 |
| Average total loans | $18,415,000 | 6,340 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 2,046 |
| Cost of funding earning assets | 1.0639% | 397 |
| Net interest margin | 3.4805% | 3,868 |
| Noninterest income to average assets | 0.6668% | 2,812 |
| Noninterest expense to average assets | 2.8521% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0723% | 2,027 |
| Return on assets (ROA) | 1.0723% | 2,141 |
| Pretax return on assets | 1.0723% | 3,204 |
| Return on Equity (ROE) | 10.8783% | 1,854 |
| Retained earnings to average equity (ytd only) | 6.9932% | 1,897 |
| Net charge-offs to loans | -0.1303% | 6,567 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6751% | 3,356 |
| Assets per employee ($millions) | 3.3924% | 5,082 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,476 |
| Loan loss allowance to noncurrent loans | 89.3417% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 4,198 |
| Noncurrent loans to loans | 1.7032% | 2,755 |
| Net loans and leases to total assets | 41.8244% | 5,909 |
| Net loans and leases to deposits | 46.5102% | 6,072 |
| Net loans and leases to core deposits | 50.6133% | 5,986 |
| Total domestic deposits to total assets | 89.9254% | 1,068 |
| Equity capital to assets | 9.9658% | 3,961 |
| Core capital (leverage) ratio | 9.4810% | 4,278 |
| Tier 1 risk-based capital ratio | 17.7916% | 2,397 |
| Total risk-based capital ratio | 19.0058% | 2,377 |
| Memoranda: | ||
| Average total assets | $44,388,670 | 6,278 |
| Average earning assets | $41,546,000 | 6,238 |
| Average equity | $4,375,670 | 6,364 |
| Average total loans | $18,418,330 | 6,379 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,526 |
| Cost of funding earning assets | 1.0690% | 433 |
| Net interest margin | 3.3309% | 4,394 |
| Noninterest income to average assets | 0.7096% | 2,541 |
| Noninterest expense to average assets | 2.7486% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0958% | 1,870 |
| Return on assets (ROA) | 1.0958% | 1,978 |
| Pretax return on assets | 1.0958% | 2,969 |
| Return on Equity (ROE) | 11.1773% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.7641% | 3,379 |
| Net charge-offs to loans | 0.0219% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 314 |
| Efficiency ratio | 71.4953% | 3,713 |
| Assets per employee ($millions) | 3.4845% | 5,012 |
| Cash dividends to net income (ytd only)* | 57.3770% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 3,880 |
| Loan loss allowance to noncurrent loans | 81.6817% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 4,322 |
| Noncurrent loans to loans | 1.8226% | 2,835 |
| Net loans and leases to total assets | 39.7346% | 6,017 |
| Net loans and leases to deposits | 44.0526% | 6,203 |
| Net loans and leases to core deposits | 47.4369% | 6,127 |
| Total domestic deposits to total assets | 90.1982% | 934 |
| Equity capital to assets | 9.6693% | 4,607 |
| Core capital (leverage) ratio | 9.1703% | 4,613 |
| Tier 1 risk-based capital ratio | 17.4498% | 2,582 |
| Total risk-based capital ratio | 18.6179% | 2,579 |
| Memoranda: | ||
| Average total assets | $44,532,500 | 6,329 |
| Average earning assets | $41,910,000 | 6,285 |
| Average equity | $4,366,000 | 6,431 |
| Average total loans | $18,262,500 | 6,443 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 2,105 |
| Cost of funding earning assets | 1.1791% | 636 |
| Net interest margin | 3.6455% | 3,900 |
| Noninterest income to average assets | 0.7164% | 2,631 |
| Noninterest expense to average assets | 3.1765% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9645% | 2,481 |
| Return on assets (ROA) | 0.9645% | 2,719 |
| Pretax return on assets | 0.9738% | 3,643 |
| Return on Equity (ROE) | 10.0323% | 2,157 |
| Retained earnings to average equity (ytd only) | 7.5242% | 1,322 |
| Net charge-offs to loans | 0.1289% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,499 |
| Efficiency ratio | 76.5363% | 2,656 |
| Assets per employee ($millions) | 3.6473% | 4,679 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 3,760 |
| Loan loss allowance to noncurrent loans | 70.3608% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 4,077 |
| Noncurrent loans to loans | 2.1256% | 2,555 |
| Net loans and leases to total assets | 41.0835% | 6,091 |
| Net loans and leases to deposits | 45.6846% | 6,272 |
| Net loans and leases to core deposits | 48.9879% | 6,209 |
| Total domestic deposits to total assets | 89.9285% | 986 |
| Equity capital to assets | 9.9436% | 4,252 |
| Core capital (leverage) ratio | 9.0975% | 4,742 |
| Tier 1 risk-based capital ratio | 17.5852% | 2,425 |
| Total risk-based capital ratio | 18.7821% | 2,418 |
| Memoranda: | ||
| Average total assets | $43,129,400 | 6,395 |
| Average earning assets | $40,625,800 | 6,340 |
| Average equity | $4,146,600 | 6,537 |
| Average total loans | $18,618,600 | 6,484 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 2,817 |
| Cost of funding earning assets | 1.2089% | 666 |
| Net interest margin | 3.4885% | 4,687 |
| Noninterest income to average assets | 0.6485% | 3,003 |
| Noninterest expense to average assets | 3.0811% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8409% | 3,257 |
| Return on assets (ROA) | 0.8409% | 3,504 |
| Pretax return on assets | 0.8533% | 4,291 |
| Return on Equity (ROE) | 8.8229% | 2,889 |
| Retained earnings to average equity (ytd only) | 5.4370% | 3,072 |
| Net charge-offs to loans | 0.1425% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.7480% | 1,889 |
| Efficiency ratio | 78.3123% | 2,352 |
| Assets per employee ($millions) | 3.1260% | 5,792 |
| Cash dividends to net income (ytd only)* | 38.3760% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 3,769 |
| Loan loss allowance to noncurrent loans | 73.0871% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 4,371 |
| Noncurrent loans to loans | 2.1081% | 2,717 |
| Net loans and leases to total assets | 40.4465% | 6,245 |
| Net loans and leases to deposits | 44.8331% | 6,465 |
| Net loans and leases to core deposits | 47.9754% | 6,412 |
| Total domestic deposits to total assets | 90.2157% | 719 |
| Equity capital to assets | 9.6426% | 5,007 |
| Core capital (leverage) ratio | 8.8491% | 5,269 |
| Tier 1 risk-based capital ratio | 17.3270% | 2,599 |
| Total risk-based capital ratio | 18.5685% | 2,563 |
| Memoranda: | ||
| Average total assets | $42,970,000 | 6,470 |
| Average earning assets | $40,475,000 | 6,416 |
| Average equity | $4,095,250 | 6,619 |
| Average total loans | $18,709,750 | 6,566 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 3,049 |
| Cost of funding earning assets | 1.2294% | 716 |
| Net interest margin | 3.4403% | 4,925 |
| Noninterest income to average assets | 0.6416% | 2,995 |
| Noninterest expense to average assets | 3.0769% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7962% | 3,410 |
| Return on assets (ROA) | 0.7962% | 3,663 |
| Pretax return on assets | 0.8149% | 4,425 |
| Return on Equity (ROE) | 8.3875% | 3,074 |
| Retained earnings to average equity (ytd only) | 6.8580% | 2,183 |
| Net charge-offs to loans | 0.0950% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,442 |
| Efficiency ratio | 79.0614% | 2,313 |
| Assets per employee ($millions) | 3.3534% | 5,320 |
| Cash dividends to net income (ytd only)* | 18.2353% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,906 |
| Loan loss allowance to noncurrent loans | 91.7197% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 4,779 |
| Noncurrent loans to loans | 1.6604% | 3,405 |
| Net loans and leases to total assets | 42.7192% | 6,127 |
| Net loans and leases to deposits | 47.3290% | 6,354 |
| Net loans and leases to core deposits | 51.4362% | 6,276 |
| Total domestic deposits to total assets | 90.2601% | 784 |
| Equity capital to assets | 9.5999% | 4,914 |
| Core capital (leverage) ratio | 8.8230% | 5,178 |
| Tier 1 risk-based capital ratio | 16.6234% | 2,849 |
| Total risk-based capital ratio | 17.8708% | 2,805 |
| Memoranda: | ||
| Average total assets | $42,705,330 | 6,523 |
| Average earning assets | $40,345,670 | 6,465 |
| Average equity | $4,053,670 | 6,662 |
| Average total loans | $18,953,670 | 6,602 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 2,742 |
| Cost of funding earning assets | 1.2712% | 711 |
| Net interest margin | 3.5033% | 4,678 |
| Noninterest income to average assets | 0.6909% | 2,705 |
| Noninterest expense to average assets | 3.1234% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8424% | 3,192 |
| Return on assets (ROA) | 0.8424% | 3,430 |
| Pretax return on assets | 0.8802% | 4,108 |
| Return on Equity (ROE) | 8.9268% | 2,864 |
| Retained earnings to average equity (ytd only) | 5.8175% | 3,063 |
| Net charge-offs to loans | 0.1054% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,258 |
| Efficiency ratio | 78.0142% | 2,491 |
| Assets per employee ($millions) | 3.2973% | 5,574 |
| Cash dividends to net income (ytd only)* | 34.8315% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,995 |
| Loan loss allowance to noncurrent loans | 72.4566% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 4,433 |
| Noncurrent loans to loans | 2.1233% | 2,999 |
| Net loans and leases to total assets | 43.5973% | 6,053 |
| Net loans and leases to deposits | 48.1290% | 6,280 |
| Net loans and leases to core deposits | 51.1384% | 6,266 |
| Total domestic deposits to total assets | 90.5844% | 757 |
| Equity capital to assets | 9.2896% | 5,106 |
| Core capital (leverage) ratio | 8.8379% | 5,087 |
| Tier 1 risk-based capital ratio | 16.3540% | 2,985 |
| Total risk-based capital ratio | 17.6033% | 2,944 |
| Memoranda: | ||
| Average total assets | $42,261,000 | 6,590 |
| Average earning assets | $39,962,000 | 6,526 |
| Average equity | $3,988,000 | 6,717 |
| Average total loans | $18,975,000 | 6,655 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 2,274 |
| Cost of funding earning assets | 1.4427% | 873 |
| Net interest margin | 3.7004% | 4,292 |
| Noninterest income to average assets | 0.8960% | 1,681 |
| Noninterest expense to average assets | 3.4555% | 2,106 |
| Loan and lease loss provision to assets | 0.6064% | 1,705 |
| Net operating income to assets | 0.3069% | 5,227 |
| Return on assets (ROA) | 0.3069% | 5,383 |
| Pretax return on assets | 0.3069% | 5,537 |
| Return on Equity (ROE) | 3.5878% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.3147% | 4,567 |
| Net charge-offs to loans | 0.6932% | 2,424 |
| Credit loss provision to net charge-offs | 172.5352% | 1,536 |
| Earnings coverage of net charge-offs (x) | 2.5986% | 3,916 |
| Efficiency ratio | 79.0935% | 2,427 |
| Assets per employee ($millions) | 2.9755% | 6,144 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 3,727 |
| Loan loss allowance to noncurrent loans | 67.1946% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1547% | 4,305 |
| Noncurrent loans to loans | 2.3300% | 2,823 |
| Net loans and leases to total assets | 44.8256% | 6,134 |
| Net loans and leases to deposits | 49.6622% | 6,383 |
| Net loans and leases to core deposits | 52.0661% | 6,426 |
| Total domestic deposits to total assets | 90.2609% | 846 |
| Equity capital to assets | 9.5878% | 4,761 |
| Core capital (leverage) ratio | 8.8780% | 4,981 |
| Tier 1 risk-based capital ratio | 16.3002% | 2,905 |
| Total risk-based capital ratio | 17.5473% | 2,879 |
| Memoranda: | ||
| Average total assets | $40,399,800 | 6,661 |
| Average earning assets | $37,915,200 | 6,608 |
| Average equity | $3,456,200 | 6,892 |
| Average total loans | $20,484,800 | 6,637 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 2,165 |
| Cost of funding earning assets | 1.5133% | 821 |
| Net interest margin | 3.6980% | 4,346 |
| Noninterest income to average assets | 0.8947% | 1,673 |
| Noninterest expense to average assets | 3.2663% | 2,613 |
| Loan and lease loss provision to assets | 0.8149% | 1,138 |
| Net operating income to assets | 0.2761% | 5,484 |
| Return on assets (ROA) | 0.2761% | 5,643 |
| Pretax return on assets | 0.2761% | 5,757 |
| Return on Equity (ROE) | 3.3314% | 5,301 |
| Retained earnings to average equity (ytd only) | 1.5654% | 5,354 |
| Net charge-offs to loans | 0.9650% | 1,669 |
| Credit loss provision to net charge-offs | 162.2517% | 1,890 |
| Earnings coverage of net charge-offs (x) | 2.1722% | 4,042 |
| Efficiency ratio | 74.9618% | 3,011 |
| Assets per employee ($millions) | 2.9751% | 6,174 |
| Cash dividends to net income (ytd only)* | 53.0183% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 4,092 |
| Loan loss allowance to noncurrent loans | 78.9041% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3805% | 4,057 |
| Noncurrent loans to loans | 1.9018% | 3,501 |
| Net loans and leases to total assets | 45.3856% | 6,201 |
| Net loans and leases to deposits | 50.2793% | 6,487 |
| Net loans and leases to core deposits | 52.7352% | 6,525 |
| Total domestic deposits to total assets | 90.2670% | 735 |
| Equity capital to assets | 9.5578% | 4,999 |
| Core capital (leverage) ratio | 8.8422% | 5,192 |
| Tier 1 risk-based capital ratio | 16.0779% | 3,076 |
| Total risk-based capital ratio | 17.3302% | 3,036 |
| Memoranda: | ||
| Average total assets | $40,085,500 | 6,726 |
| Average earning assets | $37,532,750 | 6,679 |
| Average equity | $3,321,750 | 6,985 |
| Average total loans | $20,863,500 | 6,678 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2666% | 2,001 |
| Cost of funding earning assets | 1.5363% | 875 |
| Net interest margin | 3.7303% | 4,117 |
| Noninterest income to average assets | 0.9554% | 1,447 |
| Noninterest expense to average assets | 3.1797% | 2,973 |
| Loan and lease loss provision to assets | 1.2385% | 619 |
| Net operating income to assets | 0.0354% | 6,158 |
| Return on assets (ROA) | 0.0354% | 6,237 |
| Pretax return on assets | 0.0354% | 6,216 |
| Return on Equity (ROE) | 0.4513% | 6,201 |
| Retained earnings to average equity (ytd only) | -2.3856% | 6,304 |
| Net charge-offs to loans | 1.2978% | 1,187 |
| Credit loss provision to net charge-offs | 176.2590% | 1,710 |
| Earnings coverage of net charge-offs (x) | 1.8129% | 3,958 |
| Efficiency ratio | 71.3961% | 3,855 |
| Assets per employee ($millions) | 2.7463% | 6,574 |
| Cash dividends to net income (ytd only)* | 628.5714% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 4,323 |
| Loan loss allowance to noncurrent loans | 45.3858% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 1.6046% | 3,791 |
| Noncurrent loans to loans | 3.2038% | 2,239 |
| Net loans and leases to total assets | 49.3555% | 5,904 |
| Net loans and leases to deposits | 53.7116% | 6,329 |
| Net loans and leases to core deposits | 56.4120% | 6,386 |
| Total domestic deposits to total assets | 91.8898% | 259 |
| Equity capital to assets | 7.8917% | 6,749 |
| Core capital (leverage) ratio | 7.6326% | 6,641 |
| Tier 1 risk-based capital ratio | 13.2636% | 4,718 |
| Total risk-based capital ratio | 14.5144% | 4,694 |
| Memoranda: | ||
| Average total assets | $39,563,330 | 6,801 |
| Average earning assets | $37,102,000 | 6,757 |
| Average equity | $3,102,000 | 7,102 |
| Average total loans | $21,420,670 | 6,727 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 1,899 |
| Cost of funding earning assets | 1.5866% | 861 |
| Net interest margin | 3.7020% | 4,090 |
| Noninterest income to average assets | 1.2078% | 874 |
| Noninterest expense to average assets | 3.2931% | 2,581 |
| Loan and lease loss provision to assets | 4.8519% | 66 |
| Net operating income to assets | -3.4686% | 7,424 |
| Return on assets (ROA) | -3.4686% | 7,427 |
| Pretax return on assets | -3.4686% | 7,412 |
| Return on Equity (ROE) | -44.3931% | 7,390 |
| Retained earnings to average equity (ytd only) | -44.3931% | 7,375 |
| Net charge-offs to loans | 7.7195% | 58 |
| Credit loss provision to net charge-offs | 111.6390% | 2,399 |
| Earnings coverage of net charge-offs (x) | 0.3183% | 4,375 |
| Efficiency ratio | 70.4194% | 4,178 |
| Assets per employee ($millions) | 2.6661% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,904 |
| Loan loss allowance to noncurrent loans | 31.6406% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 1.9204% | 3,413 |
| Noncurrent loans to loans | 3.5900% | 2,070 |
| Net loans and leases to total assets | 52.8869% | 5,469 |
| Net loans and leases to deposits | 57.0896% | 6,016 |
| Net loans and leases to core deposits | 59.4552% | 6,145 |
| Total domestic deposits to total assets | 92.6383% | 166 |
| Equity capital to assets | 7.1541% | 7,036 |
| Core capital (leverage) ratio | 7.1443% | 6,941 |
| Tier 1 risk-based capital ratio | 11.6937% | 5,945 |
| Total risk-based capital ratio | 12.7056% | 6,124 |
| Memoranda: | ||
| Average total assets | $38,747,500 | 6,878 |
| Average earning assets | $36,305,000 | 6,835 |
| Average equity | $3,027,500 | 7,160 |
| Average total loans | $21,815,000 | 6,748 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4429% | 345 |
| Cost of funding earning assets | 1.6778% | 1,695 |
| Net interest margin | 4.7652% | 710 |
| Noninterest income to average assets | 1.0725% | 1,303 |
| Noninterest expense to average assets | 4.1867% | 917 |
| Loan and lease loss provision to assets | 0.7103% | 2,306 |
| Net operating income to assets | 0.6100% | 3,628 |
| Return on assets (ROA) | 0.6379% | 3,651 |
| Pretax return on assets | 0.6100% | 4,285 |
| Return on Equity (ROE) | 6.8690% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.1297% | 4,396 |
| Net charge-offs to loans | 1.0362% | 2,128 |
| Credit loss provision to net charge-offs | 112.8319% | 3,868 |
| Earnings coverage of net charge-offs (x) | 2.0531% | 4,191 |
| Efficiency ratio | 76.4108% | 2,986 |
| Assets per employee ($millions) | 2.5003% | 7,009 |
| Cash dividends to net income (ytd only)* | 68.9956% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,793 |
| Loan loss allowance to noncurrent loans | 24.9357% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 2.0744% | 3,252 |
| Noncurrent loans to loans | 3.4987% | 2,164 |
| Net loans and leases to total assets | 58.7751% | 4,902 |
| Net loans and leases to deposits | 64.4024% | 5,581 |
| Net loans and leases to core deposits | 66.9471% | 5,782 |
| Total domestic deposits to total assets | 91.2623% | 480 |
| Equity capital to assets | 8.5164% | 5,835 |
| Core capital (leverage) ratio | 8.4127% | 5,512 |
| Tier 1 risk-based capital ratio | 12.9553% | 4,632 |
| Total risk-based capital ratio | 13.7547% | 5,002 |
| Memoranda: | ||
| Average total assets | $35,899,000 | 7,014 |
| Average earning assets | $33,199,200 | 6,975 |
| Average equity | $3,333,800 | 7,182 |
| Average total loans | $21,810,600 | 6,833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5068% | 337 |
| Cost of funding earning assets | 1.6939% | 1,910 |
| Net interest margin | 4.8129% | 663 |
| Noninterest income to average assets | 0.9878% | 1,494 |
| Noninterest expense to average assets | 3.7748% | 1,422 |
| Loan and lease loss provision to assets | 0.4319% | 3,322 |
| Net operating income to assets | 1.2583% | 1,447 |
| Return on assets (ROA) | 1.2958% | 1,419 |
| Pretax return on assets | 1.2583% | 2,306 |
| Return on Equity (ROE) | 13.6546% | 1,108 |
| Retained earnings to average equity (ytd only) | 10.6862% | 648 |
| Net charge-offs to loans | 0.7741% | 2,499 |
| Credit loss provision to net charge-offs | 91.2698% | 4,718 |
| Earnings coverage of net charge-offs (x) | 3.4920% | 3,421 |
| Efficiency ratio | 69.5502% | 4,164 |
| Assets per employee ($millions) | 2.6355% | 6,871 |
| Cash dividends to net income (ytd only)* | 21.7396% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7195% | 7,163 |
| Loan loss allowance to noncurrent loans | 23.4756% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 3,776 |
| Noncurrent loans to loans | 3.0650% | 2,605 |
| Net loans and leases to total assets | 57.5900% | 5,322 |
| Net loans and leases to deposits | 63.7304% | 5,944 |
| Net loans and leases to core deposits | 66.5946% | 6,075 |
| Total domestic deposits to total assets | 90.3651% | 691 |
| Equity capital to assets | 9.4100% | 4,970 |
| Core capital (leverage) ratio | 9.0993% | 4,534 |
| Tier 1 risk-based capital ratio | 14.3593% | 3,590 |
| Total risk-based capital ratio | 15.0208% | 3,959 |
| Memoranda: | ||
| Average total assets | $35,497,750 | 7,109 |
| Average earning assets | $32,744,500 | 7,076 |
| Average equity | $3,368,750 | 7,267 |
| Average total loans | $21,704,000 | 6,930 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6926% | 247 |
| Cost of funding earning assets | 1.6824% | 2,209 |
| Net interest margin | 5.0102% | 408 |
| Noninterest income to average assets | 0.9591% | 1,483 |
| Noninterest expense to average assets | 3.6767% | 1,603 |
| Loan and lease loss provision to assets | 0.3426% | 3,677 |
| Net operating income to assets | 1.5643% | 793 |
| Return on assets (ROA) | 1.6214% | 746 |
| Pretax return on assets | 1.6214% | 1,244 |
| Return on Equity (ROE) | 17.0349% | 564 |
| Retained earnings to average equity (ytd only) | 16.4351% | 177 |
| Net charge-offs to loans | 0.0734% | 5,409 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 702 |
| Efficiency ratio | 65.8487% | 5,007 |
| Assets per employee ($millions) | 2.8125% | 6,548 |
| Cash dividends to net income (ytd only)* | 3.5211% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 6,444 |
| Loan loss allowance to noncurrent loans | 30.0138% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 1.9774% | 3,523 |
| Noncurrent loans to loans | 3.3020% | 2,427 |
| Net loans and leases to total assets | 59.2922% | 5,200 |
| Net loans and leases to deposits | 65.6840% | 5,848 |
| Net loans and leases to core deposits | 69.1714% | 5,955 |
| Total domestic deposits to total assets | 90.2689% | 783 |
| Equity capital to assets | 9.4522% | 4,779 |
| Core capital (leverage) ratio | 9.3688% | 4,009 |
| Tier 1 risk-based capital ratio | 14.1636% | 3,620 |
| Total risk-based capital ratio | 15.0819% | 3,815 |
| Memoranda: | ||
| Average total assets | $35,031,330 | 7,179 |
| Average earning assets | $32,334,330 | 7,142 |
| Average equity | $3,334,330 | 7,318 |
| Average total loans | $21,804,330 | 6,976 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5115% | 351 |
| Cost of funding earning assets | 1.6215% | 2,825 |
| Net interest margin | 4.8899% | 530 |
| Noninterest income to average assets | 1.1090% | 1,027 |
| Noninterest expense to average assets | 3.4320% | 2,150 |
| Loan and lease loss provision to assets | 0.5253% | 2,399 |
| Net operating income to assets | 1.6576% | 675 |
| Return on assets (ROA) | 1.7744% | 573 |
| Pretax return on assets | 1.7744% | 931 |
| Return on Equity (ROE) | 18.5734% | 474 |
| Retained earnings to average equity (ytd only) | 18.5734% | 226 |
| Net charge-offs to loans | -0.0552% | 7,370 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1227% | 5,978 |
| Assets per employee ($millions) | 2.7466% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 6,545 |
| Loan loss allowance to noncurrent loans | 34.2995% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 1.7392% | 3,873 |
| Noncurrent loans to loans | 2.8710% | 2,807 |
| Net loans and leases to total assets | 59.9815% | 5,123 |
| Net loans and leases to deposits | 66.3640% | 5,783 |
| Net loans and leases to core deposits | 69.3578% | 5,968 |
| Total domestic deposits to total assets | 90.3826% | 788 |
| Equity capital to assets | 9.3598% | 4,741 |
| Core capital (leverage) ratio | 9.5223% | 3,736 |
| Tier 1 risk-based capital ratio | 14.0120% | 3,647 |
| Total risk-based capital ratio | 14.9374% | 3,824 |
| Memoranda: | ||
| Average total assets | $34,265,500 | 7,291 |
| Average earning assets | $31,575,000 | 7,264 |
| Average equity | $3,273,500 | 7,411 |
| Average total loans | $21,758,500 | 7,062 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3677% | 162 |
| Cost of funding earning assets | 1.8786% | 3,569 |
| Net interest margin | 5.4891% | 189 |
| Noninterest income to average assets | 1.0692% | 1,345 |
| Noninterest expense to average assets | 4.5110% | 793 |
| Loan and lease loss provision to assets | 0.8541% | 2,603 |
| Net operating income to assets | 0.7972% | 2,549 |
| Return on assets (ROA) | 0.8763% | 2,325 |
| Pretax return on assets | 0.8763% | 2,999 |
| Return on Equity (ROE) | 8.5748% | 2,172 |
| Retained earnings to average equity (ytd only) | 3.0027% | 3,062 |
| Net charge-offs to loans | 1.3894% | 1,806 |
| Credit loss provision to net charge-offs | 90.9091% | 5,972 |
| Earnings coverage of net charge-offs (x) | 1.7576% | 4,409 |
| Efficiency ratio | 73.2033% | 4,053 |
| Assets per employee ($millions) | 2.5250% | 7,161 |
| Cash dividends to net income (ytd only)* | 64.9819% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 7,251 |
| Loan loss allowance to noncurrent loans | 31.3093% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6055% | 3,966 |
| Noncurrent loans to loans | 2.4078% | 3,150 |
| Net loans and leases to total assets | 66.1752% | 4,114 |
| Net loans and leases to deposits | 73.5666% | 5,109 |
| Net loans and leases to core deposits | 97.5524% | 4,274 |
| Total domestic deposits to total assets | 89.9528% | 987 |
| Equity capital to assets | 9.7639% | 4,046 |
| Core capital (leverage) ratio | 9.5941% | 3,604 |
| Tier 1 risk-based capital ratio | 13.6172% | 3,743 |
| Total risk-based capital ratio | 14.3484% | 4,028 |
| Memoranda: | ||
| Average total assets | $31,611,600 | 7,418 |
| Average earning assets | $29,330,800 | 7,382 |
| Average equity | $3,230,400 | 7,524 |
| Average total loans | $21,376,600 | 7,119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4199% | 164 |
| Cost of funding earning assets | 1.9875% | 3,430 |
| Net interest margin | 5.4324% | 201 |
| Noninterest income to average assets | 0.9625% | 1,731 |
| Noninterest expense to average assets | 4.3097% | 903 |
| Loan and lease loss provision to assets | 0.7240% | 2,569 |
| Net operating income to assets | 0.9923% | 2,090 |
| Return on assets (ROA) | 1.0647% | 1,901 |
| Pretax return on assets | 1.0647% | 2,692 |
| Return on Equity (ROE) | 10.2983% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.9730% | 1,965 |
| Net charge-offs to loans | 1.4683% | 1,400 |
| Credit loss provision to net charge-offs | 72.6496% | 5,930 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 4,507 |
| Efficiency ratio | 71.5194% | 4,324 |
| Assets per employee ($millions) | 2.4358% | 7,327 |
| Cash dividends to net income (ytd only)* | 42.0004% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5917% | 7,594 |
| Loan loss allowance to noncurrent loans | 15.0411% | 7,329 |
| Noncurrent assets plus other real estate owned to assets | 2.6875% | 2,592 |
| Noncurrent loans to loans | 3.9342% | 1,871 |
| Net loans and leases to total assets | 67.9078% | 3,982 |
| Net loans and leases to deposits | 75.9958% | 5,043 |
| Net loans and leases to core deposits | 97.9546% | 4,607 |
| Total domestic deposits to total assets | 89.3573% | 1,034 |
| Equity capital to assets | 10.3426% | 3,686 |
| Core capital (leverage) ratio | 9.5746% | 3,815 |
| Tier 1 risk-based capital ratio | 14.1382% | 3,475 |
| Total risk-based capital ratio | 14.7179% | 3,814 |
| Memoranda: | ||
| Average total assets | $31,308,250 | 7,489 |
| Average earning assets | $29,182,250 | 7,453 |
| Average equity | $3,236,750 | 7,589 |
| Average total loans | $21,249,000 | 7,188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3494% | 192 |
| Cost of funding earning assets | 2.0694% | 3,426 |
| Net interest margin | 5.2800% | 254 |
| Noninterest income to average assets | 0.9875% | 1,640 |
| Noninterest expense to average assets | 4.4374% | 826 |
| Loan and lease loss provision to assets | 0.1924% | 5,123 |
| Net operating income to assets | 1.2825% | 1,269 |
| Return on assets (ROA) | 1.3915% | 1,116 |
| Pretax return on assets | 1.3915% | 1,750 |
| Return on Equity (ROE) | 13.4615% | 1,083 |
| Retained earnings to average equity (ytd only) | 9.4293% | 831 |
| Net charge-offs to loans | -0.0095% | 7,600 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0542% | 3,865 |
| Assets per employee ($millions) | 2.5015% | 7,243 |
| Cash dividends to net income (ytd only)* | 29.9539% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 5,865 |
| Loan loss allowance to noncurrent loans | 26.6428% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 2.5739% | 2,506 |
| Noncurrent loans to loans | 3.9666% | 1,719 |
| Net loans and leases to total assets | 64.2025% | 4,937 |
| Net loans and leases to deposits | 71.6104% | 5,796 |
| Net loans and leases to core deposits | 90.3770% | 5,501 |
| Total domestic deposits to total assets | 89.6553% | 979 |
| Equity capital to assets | 9.9819% | 3,963 |
| Core capital (leverage) ratio | 9.5663% | 3,793 |
| Tier 1 risk-based capital ratio | 14.1782% | 3,416 |
| Total risk-based capital ratio | 15.1890% | 3,490 |
| Memoranda: | ||
| Average total assets | $31,189,330 | 7,557 |
| Average earning assets | $29,091,000 | 7,527 |
| Average equity | $3,224,000 | 7,656 |
| Average total loans | $21,121,670 | 7,261 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7037% | 130 |
| Cost of funding earning assets | 2.1970% | 3,177 |
| Net interest margin | 5.5067% | 176 |
| Noninterest income to average assets | 1.0221% | 1,422 |
| Noninterest expense to average assets | 4.2196% | 923 |
| Loan and lease loss provision to assets | 0.3931% | 2,972 |
| Net operating income to assets | 1.5332% | 882 |
| Return on assets (ROA) | 1.5332% | 958 |
| Pretax return on assets | 1.5332% | 1,579 |
| Return on Equity (ROE) | 14.5658% | 1,061 |
| Retained earnings to average equity (ytd only) | 14.5658% | 463 |
| Net charge-offs to loans | 0.3786% | 2,579 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 7.3500% | 2,358 |
| Efficiency ratio | 68.6567% | 4,843 |
| Assets per employee ($millions) | 2.2468% | 7,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,436 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 4,788 |
| Noncurrent loans to loans | 1.4383% | 4,146 |
| Net loans and leases to total assets | 66.3329% | 4,509 |
| Net loans and leases to deposits | 74.3850% | 5,435 |
| Net loans and leases to core deposits | 97.5730% | 4,791 |
| Total domestic deposits to total assets | 89.1750% | 1,158 |
| Equity capital to assets | 10.3640% | 3,599 |
| Core capital (leverage) ratio | 9.9585% | 3,446 |
| Tier 1 risk-based capital ratio | 14.1842% | 3,485 |
| Total risk-based capital ratio | 15.1103% | 3,586 |
| Memoranda: | ||
| Average total assets | $30,524,500 | 7,627 |
| Average earning assets | $28,402,000 | 7,597 |
| Average equity | $3,213,000 | 7,717 |
| Average total loans | $21,132,000 | 7,302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2891% | 130 |
| Cost of funding earning assets | 2.7882% | 2,758 |
| Net interest margin | 5.5009% | 209 |
| Noninterest income to average assets | 1.1988% | 1,044 |
| Noninterest expense to average assets | 4.6159% | 805 |
| Loan and lease loss provision to assets | 0.2823% | 4,133 |
| Net operating income to assets | 1.3781% | 1,281 |
| Return on assets (ROA) | 1.4213% | 1,142 |
| Pretax return on assets | 1.4213% | 1,903 |
| Return on Equity (ROE) | 13.7984% | 1,153 |
| Retained earnings to average equity (ytd only) | 1.4185% | 4,368 |
| Net charge-offs to loans | 0.6199% | 1,982 |
| Credit loss provision to net charge-offs | 66.9291% | 6,122 |
| Earnings coverage of net charge-offs (x) | 3.9370% | 4,174 |
| Efficiency ratio | 73.5450% | 3,653 |
| Assets per employee ($millions) | 2.1139% | 7,810 |
| Cash dividends to net income (ytd only)* | 89.7196% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 6,644 |
| Loan loss allowance to noncurrent loans | 64.6465% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 4,322 |
| Noncurrent loans to loans | 1.4011% | 3,711 |
| Net loans and leases to total assets | 70.9772% | 3,786 |
| Net loans and leases to deposits | 79.9673% | 5,049 |
| Net loans and leases to core deposits | 101.8276% | 4,634 |
| Total domestic deposits to total assets | 88.7579% | 1,127 |
| Equity capital to assets | 10.6981% | 3,299 |
| Core capital (leverage) ratio | 9.8494% | 3,589 |
| Tier 1 risk-based capital ratio | 13.8059% | 3,643 |
| Total risk-based capital ratio | 14.6966% | 3,755 |
| Memoranda: | ||
| Average total assets | $30,113,000 | 7,644 |
| Average earning assets | $27,795,600 | 7,629 |
| Average equity | $3,101,800 | 7,807 |
| Average total loans | $20,488,600 | 7,301 |