Home > Chesterfield State Bank > Performance and Condition Ratios
Chesterfield State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 2,790 |
| Cost of funding earning assets | 2.0473% | 1,795 |
| Net interest margin | 3.1240% | 3,170 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 2.8999% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.2402% | 3,931 |
| Return on assets (ROA) | 0.2402% | 3,964 |
| Pretax return on assets | 0.2574% | 3,984 |
| Return on Equity (ROE) | 2.8600% | 3,888 |
| Retained earnings to average equity (ytd only) | 2.8557% | 3,124 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 91.8478% | 445 |
| Assets per employee ($millions) | 5.7740% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 1,970 |
| Loan loss allowance to noncurrent loans | 12.6322% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 6.9579% | 9 |
| Noncurrent loans to loans | 9.8239% | 13 |
| Net loans and leases to total assets | 69.9500% | 1,840 |
| Net loans and leases to deposits | 76.5967% | 2,351 |
| Net loans and leases to core deposits | 80.6943% | 2,648 |
| Total domestic deposits to total assets | 91.3200% | 440 |
| Equity capital to assets | 8.5210% | 3,306 |
| Core capital (leverage) ratio | 8.7164% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0040% | 1,851 |
| Memoranda: | ||
| Average total assets | $23,311,000 | 4,378 |
| Average earning assets | $22,663,500 | 4,345 |
| Average equity | $1,961,000 | 4,401 |
| Average total loans | $16,758,500 | 4,240 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 2,604 |
| Cost of funding earning assets | 2.0674% | 2,056 |
| Net interest margin | 3.1983% | 2,724 |
| Noninterest income to average assets | 0.1400% | 4,039 |
| Noninterest expense to average assets | 2.8671% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.3016% | 3,846 |
| Return on assets (ROA) | 0.3016% | 3,871 |
| Pretax return on assets | 0.3525% | 3,868 |
| Return on Equity (ROE) | 3.5500% | 3,774 |
| Retained earnings to average equity (ytd only) | 3.5500% | 2,808 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 89.0501% | 549 |
| Assets per employee ($millions) | 5.9070% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 2,796 |
| Loan loss allowance to noncurrent loans | 60.3896% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 475 |
| Noncurrent loans to loans | 1.7862% | 478 |
| Net loans and leases to total assets | 72.1900% | 1,648 |
| Net loans and leases to deposits | 79.3164% | 2,194 |
| Net loans and leases to core deposits | 89.6604% | 2,128 |
| Total domestic deposits to total assets | 91.0100% | 511 |
| Equity capital to assets | 8.7015% | 3,041 |
| Core capital (leverage) ratio | 8.8032% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5166% | 1,671 |
| Memoranda: | ||
| Average total assets | $23,542,800 | 4,402 |
| Average earning assets | $22,636,800 | 4,368 |
| Average equity | $2,000,000 | 4,419 |
| Average total loans | $18,035,800 | 4,241 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 2,661 |
| Cost of funding earning assets | 1.9978% | 2,216 |
| Net interest margin | 3.2035% | 2,684 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 2.9589% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2041% | 3,999 |
| Return on assets (ROA) | 0.2041% | 4,030 |
| Pretax return on assets | 0.2494% | 4,011 |
| Return on Equity (ROE) | 2.4200% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.4169% | 3,343 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 92.2261% | 447 |
| Assets per employee ($millions) | 3.9680% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 2,993 |
| Loan loss allowance to noncurrent loans | 79.4872% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 676 |
| Noncurrent loans to loans | 1.3213% | 747 |
| Net loans and leases to total assets | 73.6100% | 1,418 |
| Net loans and leases to deposits | 80.6591% | 2,119 |
| Net loans and leases to core deposits | 90.9582% | 2,076 |
| Total domestic deposits to total assets | 91.2600% | 304 |
| Equity capital to assets | 8.4929% | 3,404 |
| Core capital (leverage) ratio | 8.8136% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $23,521,500 | 4,432 |
| Average earning assets | $22,558,000 | 4,402 |
| Average equity | $1,986,000 | 4,452 |
| Average total loans | $18,234,000 | 4,261 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 2,982 |
| Cost of funding earning assets | 1.9143% | 2,322 |
| Net interest margin | 3.0683% | 2,916 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.9625% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0683% | 4,158 |
| Return on assets (ROA) | 0.0683% | 4,183 |
| Pretax return on assets | 0.1110% | 4,146 |
| Return on Equity (ROE) | 0.8100% | 4,163 |
| Retained earnings to average equity (ytd only) | 0.8105% | 3,650 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 96.3889% | 361 |
| Assets per employee ($millions) | 3.9710% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,067 |
| Loan loss allowance to noncurrent loans | 83.8565% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 659 |
| Noncurrent loans to loans | 1.2410% | 729 |
| Net loans and leases to total assets | 74.6300% | 1,349 |
| Net loans and leases to deposits | 81.5875% | 2,065 |
| Net loans and leases to core deposits | 91.8634% | 2,019 |
| Total domestic deposits to total assets | 91.4800% | 355 |
| Equity capital to assets | 8.2767% | 3,245 |
| Core capital (leverage) ratio | 8.7149% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $23,426,000 | 4,454 |
| Average earning assets | $22,358,000 | 4,420 |
| Average equity | $1,974,000 | 4,461 |
| Average total loans | $18,408,667 | 4,281 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 2,698 |
| Cost of funding earning assets | 1.7351% | 2,678 |
| Net interest margin | 3.3076% | 2,327 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 3.1689% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.1033% | 4,107 |
| Return on assets (ROA) | 0.1033% | 4,146 |
| Pretax return on assets | 0.1206% | 4,141 |
| Return on Equity (ROE) | 1.2200% | 4,121 |
| Retained earnings to average equity (ytd only) | 1.2152% | 3,437 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 96.3351% | 388 |
| Assets per employee ($millions) | 3.3837% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,436 |
| Loan loss allowance to noncurrent loans | 182.4742% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 1,509 |
| Noncurrent loans to loans | 0.5318% | 1,599 |
| Net loans and leases to total assets | 76.2600% | 1,039 |
| Net loans and leases to deposits | 83.3818% | 1,759 |
| Net loans and leases to core deposits | 93.8533% | 1,794 |
| Total domestic deposits to total assets | 91.4600% | 431 |
| Equity capital to assets | 8.3340% | 3,132 |
| Core capital (leverage) ratio | 9.0523% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0619% | 2,218 |
| Memoranda: | ||
| Average total assets | $23,226,000 | 4,485 |
| Average earning assets | $22,131,000 | 4,450 |
| Average equity | $1,975,000 | 4,487 |
| Average total loans | $18,628,500 | 4,306 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 3,011 |
| Cost of funding earning assets | 1.0536% | 3,187 |
| Net interest margin | 3.4962% | 2,189 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.8474% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4894% | 3,688 |
| Return on assets (ROA) | 0.4894% | 3,689 |
| Pretax return on assets | 0.5695% | 3,689 |
| Return on Equity (ROE) | 5.3400% | 3,663 |
| Retained earnings to average equity (ytd only) | 0.4852% | 3,956 |
| Net charge-offs to loans | 0.1459% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 4.7407% | 2,567 |
| Efficiency ratio | 83.3333% | 697 |
| Assets per employee ($millions) | 5.6915% | 3,082 |
| Cash dividends to net income (ytd only)* | 90.9091% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 3,586 |
| Loan loss allowance to noncurrent loans | 169.5238% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 1,209 |
| Noncurrent loans to loans | 0.5521% | 1,418 |
| Net loans and leases to total assets | 82.7500% | 370 |
| Net loans and leases to deposits | 90.7816% | 1,209 |
| Net loans and leases to core deposits | 99.9098% | 1,444 |
| Total domestic deposits to total assets | 91.1500% | 464 |
| Equity capital to assets | 8.6796% | 2,914 |
| Core capital (leverage) ratio | 8.9894% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $22,477,000 | 4,515 |
| Average earning assets | $20,880,000 | 4,476 |
| Average equity | $2,060,800 | 4,487 |
| Average total loans | $18,503,400 | 4,317 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 2,760 |
| Cost of funding earning assets | 0.8891% | 3,303 |
| Net interest margin | 3.6787% | 1,821 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.6184% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9760% | 2,431 |
| Return on assets (ROA) | 0.9760% | 2,429 |
| Pretax return on assets | 1.0593% | 2,686 |
| Return on Equity (ROE) | 10.5000% | 2,503 |
| Retained earnings to average equity (ytd only) | 7.3005% | 2,199 |
| Net charge-offs to loans | 0.1088% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 11.8667% | 2,087 |
| Efficiency ratio | 71.1974% | 1,653 |
| Assets per employee ($millions) | 4.5788% | 3,893 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 4,070 |
| Loan loss allowance to noncurrent loans | 259.2593% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,070 |
| Noncurrent loans to loans | 0.2890% | 2,201 |
| Net loans and leases to total assets | 81.0100% | 536 |
| Net loans and leases to deposits | 89.0308% | 1,303 |
| Net loans and leases to core deposits | 96.5636% | 1,526 |
| Total domestic deposits to total assets | 90.9900% | 673 |
| Equity capital to assets | 8.8670% | 2,494 |
| Core capital (leverage) ratio | 9.6174% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $22,404,750 | 4,542 |
| Average earning assets | $20,695,250 | 4,505 |
| Average equity | $2,082,000 | 4,508 |
| Average total loans | $18,375,000 | 4,332 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 2,841 |
| Cost of funding earning assets | 0.7236% | 3,417 |
| Net interest margin | 3.6964% | 1,819 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.6437% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9622% | 2,539 |
| Return on assets (ROA) | 0.9622% | 2,531 |
| Pretax return on assets | 1.0251% | 2,843 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.0978% | 1,929 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.0588% | 1,555 |
| Assets per employee ($millions) | 4.5044% | 3,948 |
| Cash dividends to net income (ytd only)* | 20.5607% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 3,928 |
| Loan loss allowance to noncurrent loans | 99.3590% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 757 |
| Noncurrent loans to loans | 0.8460% | 904 |
| Net loans and leases to total assets | 81.1800% | 500 |
| Net loans and leases to deposits | 89.3471% | 1,235 |
| Net loans and leases to core deposits | 95.4728% | 1,494 |
| Total domestic deposits to total assets | 90.8600% | 690 |
| Equity capital to assets | 9.0400% | 2,492 |
| Core capital (leverage) ratio | 9.7977% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9450% | 2,317 |
| Memoranda: | ||
| Average total assets | $22,241,667 | 4,567 |
| Average earning assets | $20,452,333 | 4,534 |
| Average equity | $2,099,333 | 4,540 |
| Average total loans | $18,271,333 | 4,358 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,728 |
| Cost of funding earning assets | 0.4921% | 3,716 |
| Net interest margin | 3.8380% | 1,604 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.6786% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0497% | 2,385 |
| Return on assets (ROA) | 1.0497% | 2,349 |
| Pretax return on assets | 1.1040% | 2,696 |
| Return on Equity (ROE) | 10.8900% | 2,523 |
| Retained earnings to average equity (ytd only) | 10.8869% | 1,491 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.8134% | 1,665 |
| Assets per employee ($millions) | 4.4018% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 3,985 |
| Loan loss allowance to noncurrent loans | 147.6190% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 1,074 |
| Noncurrent loans to loans | 0.5764% | 1,295 |
| Net loans and leases to total assets | 82.0600% | 371 |
| Net loans and leases to deposits | 90.8318% | 988 |
| Net loans and leases to core deposits | 98.6185% | 1,148 |
| Total domestic deposits to total assets | 90.3400% | 1,033 |
| Equity capital to assets | 9.5779% | 2,080 |
| Core capital (leverage) ratio | 10.2264% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2916% | 2,272 |
| Memoranda: | ||
| Average total assets | $22,101,500 | 4,625 |
| Average earning assets | $20,323,000 | 4,598 |
| Average equity | $2,131,000 | 4,603 |
| Average total loans | $18,187,500 | 4,419 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 2,249 |
| Cost of funding earning assets | 0.2505% | 3,317 |
| Net interest margin | 3.5605% | 1,758 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.5656% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8628% | 3,106 |
| Return on assets (ROA) | 0.7337% | 3,468 |
| Pretax return on assets | 0.7901% | 3,652 |
| Return on Equity (ROE) | 8.2700% | 3,315 |
| Retained earnings to average equity (ytd only) | 1.6634% | 4,058 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.4161% | 1,276 |
| Assets per employee ($millions) | 4.4388% | 4,078 |
| Cash dividends to net income (ytd only)* | 79.8817% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 3,911 |
| Loan loss allowance to noncurrent loans | 110.7143% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 790 |
| Noncurrent loans to loans | 0.7704% | 972 |
| Net loans and leases to total assets | 81.1800% | 484 |
| Net loans and leases to deposits | 92.9530% | 852 |
| Net loans and leases to core deposits | 95.7640% | 1,219 |
| Total domestic deposits to total assets | 87.3400% | 2,282 |
| Equity capital to assets | 9.2412% | 2,199 |
| Core capital (leverage) ratio | 9.3113% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4506% | 2,589 |
| Memoranda: | ||
| Average total assets | $23,035,400 | 4,657 |
| Average earning assets | $20,755,800 | 4,631 |
| Average equity | $2,044,000 | 4,674 |
| Average total loans | $16,366,800 | 4,464 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 2,066 |
| Cost of funding earning assets | 0.2428% | 2,783 |
| Net interest margin | 3.4509% | 1,805 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.6327% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7055% | 3,555 |
| Return on assets (ROA) | 0.7055% | 3,506 |
| Pretax return on assets | 0.7801% | 3,632 |
| Return on Equity (ROE) | 8.0300% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.7452% | 2,840 |
| Net charge-offs to loans | -0.0084% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.1429% | 986 |
| Assets per employee ($millions) | 4.5806% | 3,994 |
| Cash dividends to net income (ytd only)* | 28.4553% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 3,849 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 1,301 |
| Noncurrent loans to loans | 0.5547% | 1,434 |
| Net loans and leases to total assets | 74.8800% | 1,022 |
| Net loans and leases to deposits | 82.4836% | 1,407 |
| Net loans and leases to core deposits | 84.8044% | 1,600 |
| Total domestic deposits to total assets | 90.7800% | 1,324 |
| Equity capital to assets | 9.1909% | 2,094 |
| Core capital (leverage) ratio | 9.1929% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5074% | 2,259 |
| Memoranda: | ||
| Average total assets | $23,245,750 | 4,693 |
| Average earning assets | $20,863,750 | 4,669 |
| Average equity | $2,042,250 | 4,717 |
| Average total loans | $15,915,250 | 4,504 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5107% | 2,109 |
| Cost of funding earning assets | 0.2480% | 2,297 |
| Net interest margin | 3.2626% | 2,024 |
| Noninterest income to average assets | 0.2911% | 3,425 |
| Noninterest expense to average assets | 2.6199% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5288% | 3,823 |
| Return on assets (ROA) | 0.5137% | 3,815 |
| Pretax return on assets | 0.5822% | 3,848 |
| Return on Equity (ROE) | 5.9367% | 3,588 |
| Retained earnings to average equity (ytd only) | 4.4525% | 2,906 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3830% | 845 |
| Assets per employee ($millions) | 4.5142% | 4,060 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,693 |
| Loan loss allowance to noncurrent loans | 238.4615% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 1,856 |
| Noncurrent loans to loans | 0.4100% | 1,891 |
| Net loans and leases to total assets | 69.5539% | 1,340 |
| Net loans and leases to deposits | 76.5618% | 1,643 |
| Net loans and leases to core deposits | 80.2115% | 1,701 |
| Total domestic deposits to total assets | 90.8467% | 1,309 |
| Equity capital to assets | 9.1356% | 2,295 |
| Core capital (leverage) ratio | 8.6509% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6346% | 2,235 |
| Memoranda: | ||
| Average total assets | $23,360,000 | 4,726 |
| Average earning assets | $20,964,667 | 4,716 |
| Average equity | $2,021,333 | 4,746 |
| Average total loans | $15,451,667 | 4,571 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3366% | 2,274 |
| Cost of funding earning assets | 0.2437% | 2,230 |
| Net interest margin | 3.0929% | 2,197 |
| Noninterest income to average assets | 0.2526% | 3,634 |
| Noninterest expense to average assets | 2.6942% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3368% | 4,081 |
| Return on assets (ROA) | 0.3031% | 4,109 |
| Pretax return on assets | 0.3031% | 4,185 |
| Return on Equity (ROE) | 3.5982% | 3,968 |
| Retained earnings to average equity (ytd only) | 3.5982% | 3,073 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 600 |
| Assets per employee ($millions) | 4.7200% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,559 |
| Loan loss allowance to noncurrent loans | 158.1633% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 1,459 |
| Noncurrent loans to loans | 0.6592% | 1,440 |
| Net loans and leases to total assets | 62.3390% | 1,816 |
| Net loans and leases to deposits | 68.0733% | 2,149 |
| Net loans and leases to core deposits | 71.1412% | 2,187 |
| Total domestic deposits to total assets | 91.5763% | 764 |
| Equity capital to assets | 8.4110% | 3,231 |
| Core capital (leverage) ratio | 8.6670% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0963% | 2,165 |
| Memoranda: | ||
| Average total assets | $23,754,500 | 4,748 |
| Average earning assets | $21,339,000 | 4,735 |
| Average equity | $2,001,000 | 4,771 |
| Average total loans | $15,250,500 | 4,592 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 2,639 |
| Cost of funding earning assets | 0.3626% | 1,830 |
| Net interest margin | 3.1445% | 2,752 |
| Noninterest income to average assets | 1.0816% | 880 |
| Noninterest expense to average assets | 2.5361% | 2,070 |
| Loan and lease loss provision to assets | 0.1678% | 695 |
| Net operating income to assets | 1.2028% | 1,913 |
| Return on assets (ROA) | 1.1888% | 2,024 |
| Pretax return on assets | 1.1935% | 2,684 |
| Return on Equity (ROE) | 12.4390% | 1,677 |
| Retained earnings to average equity (ytd only) | 4.6341% | 2,951 |
| Net charge-offs to loans | 0.1285% | 712 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 16.3889% | 1,976 |
| Efficiency ratio | 64.8391% | 2,426 |
| Assets per employee ($millions) | 4.7818% | 3,904 |
| Cash dividends to net income (ytd only)* | 62.7451% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,785 |
| Loan loss allowance to noncurrent loans | 96.8750% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 966 |
| Noncurrent loans to loans | 1.0234% | 961 |
| Net loans and leases to total assets | 64.7413% | 1,617 |
| Net loans and leases to deposits | 70.7256% | 2,050 |
| Net loans and leases to core deposits | 73.8678% | 2,089 |
| Total domestic deposits to total assets | 91.5388% | 305 |
| Equity capital to assets | 8.4362% | 4,090 |
| Core capital (leverage) ratio | 8.9724% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0810% | 2,211 |
| Memoranda: | ||
| Average total assets | $21,450,200 | 4,799 |
| Average earning assets | $19,303,800 | 4,786 |
| Average equity | $2,050,000 | 4,814 |
| Average total loans | $14,004,400 | 4,670 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3956% | 3,113 |
| Cost of funding earning assets | 0.3735% | 1,905 |
| Net interest margin | 3.0221% | 3,254 |
| Noninterest income to average assets | 1.4014% | 612 |
| Noninterest expense to average assets | 2.5917% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6510% | 917 |
| Return on assets (ROA) | 1.6510% | 959 |
| Pretax return on assets | 1.6574% | 1,528 |
| Return on Equity (ROE) | 16.7128% | 814 |
| Retained earnings to average equity (ytd only) | 14.1217% | 499 |
| Net charge-offs to loans | 0.1863% | 453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 13.6316% | 1,916 |
| Efficiency ratio | 60.9940% | 2,834 |
| Assets per employee ($millions) | 4.3650% | 4,217 |
| Cash dividends to net income (ytd only)* | 15.5039% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,374 |
| Loan loss allowance to noncurrent loans | 100.8547% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 1,417 |
| Noncurrent loans to loans | 0.7761% | 1,457 |
| Net loans and leases to total assets | 68.5361% | 1,251 |
| Net loans and leases to deposits | 76.0100% | 1,671 |
| Net loans and leases to core deposits | 79.7803% | 1,755 |
| Total domestic deposits to total assets | 90.1672% | 698 |
| Equity capital to assets | 9.8053% | 3,098 |
| Core capital (leverage) ratio | 10.0521% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2353% | 1,301 |
| Memoranda: | ||
| Average total assets | $20,835,500 | 4,873 |
| Average earning assets | $19,632,750 | 4,855 |
| Average equity | $2,058,250 | 4,885 |
| Average total loans | $13,597,000 | 4,744 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 3,086 |
| Cost of funding earning assets | 0.3961% | 1,917 |
| Net interest margin | 3.0330% | 3,235 |
| Noninterest income to average assets | 1.9897% | 331 |
| Noninterest expense to average assets | 2.6627% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1653% | 365 |
| Return on assets (ROA) | 2.1653% | 382 |
| Pretax return on assets | 2.1653% | 613 |
| Return on Equity (ROE) | 21.8612% | 328 |
| Retained earnings to average equity (ytd only) | 19.8917% | 161 |
| Net charge-offs to loans | 0.1984% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 17.0769% | 1,586 |
| Efficiency ratio | 55.1515% | 3,649 |
| Assets per employee ($millions) | 4.2506% | 4,297 |
| Cash dividends to net income (ytd only)* | 9.0090% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 4,291 |
| Loan loss allowance to noncurrent loans | 185.0746% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 2,338 |
| Noncurrent loans to loans | 0.4575% | 2,305 |
| Net loans and leases to total assets | 68.3292% | 1,411 |
| Net loans and leases to deposits | 75.9400% | 1,826 |
| Net loans and leases to core deposits | 78.5270% | 2,002 |
| Total domestic deposits to total assets | 89.9779% | 790 |
| Equity capital to assets | 9.9939% | 2,855 |
| Core capital (leverage) ratio | 9.9174% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9003% | 976 |
| Memoranda: | ||
| Average total assets | $20,505,667 | 4,913 |
| Average earning assets | $19,189,000 | 4,894 |
| Average equity | $2,031,000 | 4,922 |
| Average total loans | $13,104,000 | 4,786 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3484% | 3,346 |
| Cost of funding earning assets | 0.4052% | 2,053 |
| Net interest margin | 2.9432% | 3,397 |
| Noninterest income to average assets | 2.4836% | 269 |
| Noninterest expense to average assets | 2.6823% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5233% | 255 |
| Return on assets (ROA) | 2.5233% | 277 |
| Pretax return on assets | 2.5432% | 403 |
| Return on Equity (ROE) | 25.5984% | 237 |
| Retained earnings to average equity (ytd only) | 25.5984% | 125 |
| Net charge-offs to loans | 0.3892% | 211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,488 |
| Efficiency ratio | 51.3308% | 4,060 |
| Assets per employee ($millions) | 4.2410% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,985 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 1,618 |
| Noncurrent loans to loans | 0.9629% | 1,406 |
| Net loans and leases to total assets | 60.6272% | 2,459 |
| Net loans and leases to deposits | 67.1332% | 2,796 |
| Net loans and leases to core deposits | 69.4131% | 2,917 |
| Total domestic deposits to total assets | 90.3089% | 663 |
| Equity capital to assets | 9.6581% | 3,045 |
| Core capital (leverage) ratio | 10.3859% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2779% | 881 |
| Memoranda: | ||
| Average total assets | $20,132,000 | 4,941 |
| Average earning assets | $18,755,000 | 4,923 |
| Average equity | $1,984,500 | 4,950 |
| Average total loans | $12,333,000 | 4,824 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 2,750 |
| Cost of funding earning assets | 0.5147% | 2,852 |
| Net interest margin | 3.4786% | 2,536 |
| Noninterest income to average assets | 0.2679% | 3,876 |
| Noninterest expense to average assets | 2.9247% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6195% | 3,680 |
| Return on assets (ROA) | 0.6195% | 3,805 |
| Pretax return on assets | 0.6251% | 4,026 |
| Return on Equity (ROE) | 5.7489% | 3,660 |
| Retained earnings to average equity (ytd only) | 0.8287% | 4,282 |
| Net charge-offs to loans | -0.0750% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3899% | 723 |
| Assets per employee ($millions) | 3.8118% | 4,495 |
| Cash dividends to net income (ytd only)* | 85.5856% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 3,098 |
| Loan loss allowance to noncurrent loans | 48.5816% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4796% | 501 |
| Noncurrent loans to loans | 2.4134% | 432 |
| Net loans and leases to total assets | 60.5908% | 2,782 |
| Net loans and leases to deposits | 67.4139% | 3,142 |
| Net loans and leases to core deposits | 69.9794% | 3,254 |
| Total domestic deposits to total assets | 89.8788% | 611 |
| Equity capital to assets | 10.0792% | 3,052 |
| Core capital (leverage) ratio | 10.3541% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7552% | 801 |
| Memoranda: | ||
| Average total assets | $17,916,400 | 4,967 |
| Average earning assets | $16,903,400 | 4,951 |
| Average equity | $1,930,800 | 4,977 |
| Average total loans | $11,997,400 | 4,861 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 2,807 |
| Cost of funding earning assets | 0.5407% | 2,987 |
| Net interest margin | 3.5143% | 2,545 |
| Noninterest income to average assets | 0.2722% | 3,835 |
| Noninterest expense to average assets | 2.9796% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6277% | 3,701 |
| Return on assets (ROA) | 0.6277% | 3,792 |
| Pretax return on assets | 0.6352% | 4,037 |
| Return on Equity (ROE) | 5.7242% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.6552% | 3,225 |
| Net charge-offs to loans | -0.0883% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4268% | 710 |
| Assets per employee ($millions) | 3.6004% | 4,614 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,930 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 1,375 |
| Noncurrent loans to loans | 1.2876% | 1,153 |
| Net loans and leases to total assets | 64.8206% | 2,657 |
| Net loans and leases to deposits | 72.7721% | 3,060 |
| Net loans and leases to core deposits | 75.7334% | 3,190 |
| Total domestic deposits to total assets | 89.0734% | 740 |
| Equity capital to assets | 10.8766% | 2,497 |
| Core capital (leverage) ratio | 10.9465% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0266% | 673 |
| Memoranda: | ||
| Average total assets | $17,630,750 | 4,999 |
| Average earning assets | $16,769,000 | 4,983 |
| Average equity | $1,933,250 | 5,009 |
| Average total loans | $12,075,500 | 4,885 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 2,827 |
| Cost of funding earning assets | 0.5798% | 3,085 |
| Net interest margin | 3.5993% | 2,483 |
| Noninterest income to average assets | 0.2399% | 4,043 |
| Noninterest expense to average assets | 2.9817% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6626% | 3,538 |
| Return on assets (ROA) | 0.6626% | 3,627 |
| Pretax return on assets | 0.6626% | 3,949 |
| Return on Equity (ROE) | 6.0260% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.4675% | 2,722 |
| Net charge-offs to loans | -0.0493% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 763 |
| Assets per employee ($millions) | 3.5590% | 4,626 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,199 |
| Loan loss allowance to noncurrent loans | 71.1957% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 1,148 |
| Noncurrent loans to loans | 1.5128% | 1,001 |
| Net loans and leases to total assets | 67.6145% | 2,422 |
| Net loans and leases to deposits | 75.9692% | 2,872 |
| Net loans and leases to core deposits | 79.0955% | 3,021 |
| Total domestic deposits to total assets | 89.0025% | 741 |
| Equity capital to assets | 10.9469% | 2,392 |
| Core capital (leverage) ratio | 11.2173% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3951% | 729 |
| Memoranda: | ||
| Average total assets | $17,507,000 | 5,030 |
| Average earning assets | $16,558,667 | 5,016 |
| Average equity | $1,925,000 | 5,040 |
| Average total loans | $12,165,667 | 4,917 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 2,584 |
| Cost of funding earning assets | 0.6406% | 3,221 |
| Net interest margin | 3.7696% | 2,086 |
| Noninterest income to average assets | 0.2764% | 3,868 |
| Noninterest expense to average assets | 3.3865% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3916% | 4,154 |
| Return on assets (ROA) | 0.3916% | 4,187 |
| Pretax return on assets | 0.4147% | 4,268 |
| Return on Equity (ROE) | 3.5537% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.5537% | 2,871 |
| Net charge-offs to loans | -0.0329% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0909% | 528 |
| Assets per employee ($millions) | 3.4382% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,215 |
| Loan loss allowance to noncurrent loans | 195.4545% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 2,906 |
| Noncurrent loans to loans | 0.5618% | 2,595 |
| Net loans and leases to total assets | 67.5819% | 2,603 |
| Net loans and leases to deposits | 76.1437% | 3,062 |
| Net loans and leases to core deposits | 79.3959% | 3,246 |
| Total domestic deposits to total assets | 88.7557% | 778 |
| Equity capital to assets | 11.1803% | 2,700 |
| Core capital (leverage) ratio | 11.1060% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4646% | 700 |
| Memoranda: | ||
| Average total assets | $17,363,000 | 5,080 |
| Average earning assets | $16,235,000 | 5,065 |
| Average equity | $1,913,500 | 5,087 |
| Average total loans | $12,167,000 | 4,962 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 3,606 |
| Cost of funding earning assets | 0.6563% | 3,383 |
| Net interest margin | 3.6185% | 3,083 |
| Noninterest income to average assets | 0.3187% | 3,784 |
| Noninterest expense to average assets | 3.2836% | 1,332 |
| Loan and lease loss provision to assets | 0.0285% | 3,448 |
| Net operating income to assets | 0.4268% | 4,550 |
| Return on assets (ROA) | 0.4154% | 4,603 |
| Pretax return on assets | 0.4154% | 4,687 |
| Return on Equity (ROE) | 3.8296% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.6820% | 4,494 |
| Net charge-offs to loans | -0.0160% | 4,585 |
| Credit loss provision to net charge-offs | -250.0000% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8234% | 450 |
| Assets per employee ($millions) | 3.5070% | 4,476 |
| Cash dividends to net income (ytd only)* | 82.1918% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,402 |
| Loan loss allowance to noncurrent loans | 640.0000% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,064 |
| Noncurrent loans to loans | 0.1589% | 3,892 |
| Net loans and leases to total assets | 71.0522% | 2,241 |
| Net loans and leases to deposits | 79.7682% | 2,806 |
| Net loans and leases to core deposits | 83.0932% | 3,033 |
| Total domestic deposits to total assets | 89.0733% | 640 |
| Equity capital to assets | 10.8640% | 3,121 |
| Core capital (leverage) ratio | 11.0614% | 2,450 |
| Tier 1 risk-based capital ratio | 19.1515% | 1,485 |
| Total risk-based capital ratio | 20.3981% | 1,457 |
| Memoranda: | ||
| Average total assets | $17,572,000 | 5,140 |
| Average earning assets | $16,609,000 | 5,123 |
| Average equity | $1,906,200 | 5,147 |
| Average total loans | $12,470,800 | 5,019 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 3,879 |
| Cost of funding earning assets | 0.6529% | 3,440 |
| Net interest margin | 3.5670% | 3,343 |
| Noninterest income to average assets | 0.3337% | 3,744 |
| Noninterest expense to average assets | 3.2762% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4550% | 4,617 |
| Return on assets (ROA) | 0.4398% | 4,675 |
| Pretax return on assets | 0.4398% | 4,762 |
| Return on Equity (ROE) | 4.0561% | 4,577 |
| Retained earnings to average equity (ytd only) | 1.9580% | 4,288 |
| Net charge-offs to loans | -0.0215% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8049% | 407 |
| Assets per employee ($millions) | 3.4302% | 4,569 |
| Cash dividends to net income (ytd only)* | 51.7264% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,774 |
| Loan loss allowance to noncurrent loans | 102.5000% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 1,953 |
| Noncurrent loans to loans | 0.9379% | 1,716 |
| Net loans and leases to total assets | 73.8849% | 1,839 |
| Net loans and leases to deposits | 86.0577% | 2,180 |
| Net loans and leases to core deposits | 89.8660% | 2,555 |
| Total domestic deposits to total assets | 85.8551% | 2,054 |
| Equity capital to assets | 11.1947% | 2,936 |
| Core capital (leverage) ratio | 11.4225% | 2,287 |
| Tier 1 risk-based capital ratio | 18.8828% | 1,589 |
| Total risk-based capital ratio | 20.0924% | 1,568 |
| Memoranda: | ||
| Average total assets | $17,581,250 | 5,218 |
| Average earning assets | $16,745,750 | 5,202 |
| Average equity | $1,906,500 | 5,223 |
| Average total loans | $12,441,750 | 5,101 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 3,998 |
| Cost of funding earning assets | 0.6258% | 3,524 |
| Net interest margin | 3.5425% | 3,458 |
| Noninterest income to average assets | 0.2934% | 3,974 |
| Noninterest expense to average assets | 3.2497% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4288% | 4,683 |
| Return on assets (ROA) | 0.4288% | 4,703 |
| Pretax return on assets | 0.4288% | 4,796 |
| Return on Equity (ROE) | 3.9958% | 4,584 |
| Retained earnings to average equity (ytd only) | 2.4185% | 3,976 |
| Net charge-offs to loans | -0.2272% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3436% | 427 |
| Assets per employee ($millions) | 3.4366% | 4,572 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,211 |
| Loan loss allowance to noncurrent loans | 34.8837% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.2522% | 364 |
| Noncurrent loans to loans | 3.0837% | 320 |
| Net loans and leases to total assets | 72.2516% | 2,177 |
| Net loans and leases to deposits | 83.6872% | 2,524 |
| Net loans and leases to core deposits | 87.3558% | 2,860 |
| Total domestic deposits to total assets | 86.3353% | 1,876 |
| Equity capital to assets | 11.1447% | 2,911 |
| Core capital (leverage) ratio | 11.0140% | 2,586 |
| Tier 1 risk-based capital ratio | 19.1061% | 1,529 |
| Total risk-based capital ratio | 20.3532% | 1,490 |
| Memoranda: | ||
| Average total assets | $17,724,670 | 5,262 |
| Average earning assets | $16,937,000 | 5,246 |
| Average equity | $1,902,000 | 5,269 |
| Average total loans | $12,324,000 | 5,149 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 4,055 |
| Cost of funding earning assets | 0.6065% | 3,536 |
| Net interest margin | 3.5225% | 3,530 |
| Noninterest income to average assets | 0.2667% | 4,094 |
| Noninterest expense to average assets | 3.4675% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1556% | 5,050 |
| Return on assets (ROA) | 0.1556% | 5,055 |
| Pretax return on assets | 0.1556% | 5,068 |
| Return on Equity (ROE) | 1.4772% | 5,029 |
| Retained earnings to average equity (ytd only) | 1.4772% | 4,204 |
| Net charge-offs to loans | -0.0655% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7055% | 233 |
| Assets per employee ($millions) | 3.5378% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,566 |
| Loan loss allowance to noncurrent loans | 51.0373% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.4190% | 870 |
| Noncurrent loans to loans | 2.0052% | 742 |
| Net loans and leases to total assets | 67.2508% | 2,868 |
| Net loans and leases to deposits | 75.3961% | 3,318 |
| Net loans and leases to core deposits | 78.4904% | 3,484 |
| Total domestic deposits to total assets | 89.1967% | 768 |
| Equity capital to assets | 10.7355% | 3,126 |
| Core capital (leverage) ratio | 10.7794% | 2,779 |
| Tier 1 risk-based capital ratio | 20.0422% | 1,333 |
| Total risk-based capital ratio | 21.2876% | 1,305 |
| Memoranda: | ||
| Average total assets | $17,995,500 | 5,313 |
| Average earning assets | $17,147,000 | 5,297 |
| Average equity | $1,895,500 | 5,323 |
| Average total loans | $12,211,000 | 5,206 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,756 |
| Cost of funding earning assets | 0.5435% | 3,091 |
| Net interest margin | 3.5525% | 3,540 |
| Noninterest income to average assets | 0.2220% | 4,594 |
| Noninterest expense to average assets | 3.1569% | 1,653 |
| Loan and lease loss provision to assets | 0.2166% | 835 |
| Net operating income to assets | 0.2166% | 5,092 |
| Return on assets (ROA) | 0.2166% | 5,089 |
| Pretax return on assets | 0.2112% | 5,108 |
| Return on Equity (ROE) | 2.0691% | 5,037 |
| Retained earnings to average equity (ytd only) | -3.1037% | 5,182 |
| Net charge-offs to loans | 0.5174% | 341 |
| Credit loss provision to net charge-offs | 60.6061% | 3,095 |
| Earnings coverage of net charge-offs (x) | 1.1970% | 3,647 |
| Efficiency ratio | 88.0665% | 429 |
| Assets per employee ($millions) | 3.6604% | 4,378 |
| Cash dividends to net income (ytd only)* | 250.0000% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,834 |
| Loan loss allowance to noncurrent loans | 60.1990% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 1,144 |
| Noncurrent loans to loans | 1.6206% | 901 |
| Net loans and leases to total assets | 67.1074% | 2,983 |
| Net loans and leases to deposits | 74.8994% | 3,432 |
| Net loans and leases to core deposits | 77.8475% | 3,592 |
| Total domestic deposits to total assets | 89.5968% | 625 |
| Equity capital to assets | 10.3377% | 3,337 |
| Core capital (leverage) ratio | 10.7942% | 2,741 |
| Tier 1 risk-based capital ratio | 19.2511% | 1,465 |
| Total risk-based capital ratio | 20.4823% | 1,431 |
| Memoranda: | ||
| Average total assets | $18,467,400 | 5,355 |
| Average earning assets | $17,480,800 | 5,339 |
| Average equity | $1,933,200 | 5,359 |
| Average total loans | $12,756,600 | 5,238 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 3,600 |
| Cost of funding earning assets | 0.5357% | 2,960 |
| Net interest margin | 3.5742% | 3,451 |
| Noninterest income to average assets | 0.4250% | 3,322 |
| Noninterest expense to average assets | 3.3280% | 1,244 |
| Loan and lease loss provision to assets | 0.2881% | 519 |
| Net operating income to assets | 0.1729% | 5,210 |
| Return on assets (ROA) | 0.1729% | 5,204 |
| Pretax return on assets | 0.1729% | 5,216 |
| Return on Equity (ROE) | 1.6465% | 5,171 |
| Retained earnings to average equity (ytd only) | -1.7839% | 5,183 |
| Net charge-offs to loans | 0.3322% | 500 |
| Credit loss provision to net charge-offs | 125.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 1.9998% | 3,291 |
| Efficiency ratio | 87.8327% | 411 |
| Assets per employee ($millions) | 3.5214% | 4,532 |
| Cash dividends to net income (ytd only)* | 208.3438% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,356 |
| Loan loss allowance to noncurrent loans | 61.0236% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 911 |
| Noncurrent loans to loans | 2.0527% | 704 |
| Net loans and leases to total assets | 69.3985% | 2,742 |
| Net loans and leases to deposits | 78.9188% | 3,149 |
| Net loans and leases to core deposits | 82.2109% | 3,312 |
| Total domestic deposits to total assets | 87.9366% | 1,262 |
| Equity capital to assets | 10.9332% | 2,722 |
| Core capital (leverage) ratio | 10.9263% | 2,652 |
| Tier 1 risk-based capital ratio | 19.4996% | 1,437 |
| Total risk-based capital ratio | 20.7455% | 1,407 |
| Memoranda: | ||
| Average total assets | $18,508,750 | 5,425 |
| Average earning assets | $17,420,750 | 5,410 |
| Average equity | $1,943,500 | 5,430 |
| Average total loans | $12,845,000 | 5,302 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,561 |
| Cost of funding earning assets | 0.5307% | 2,761 |
| Net interest margin | 3.5343% | 3,517 |
| Noninterest income to average assets | 0.4147% | 3,390 |
| Noninterest expense to average assets | 3.3175% | 1,276 |
| Loan and lease loss provision to assets | 0.2127% | 784 |
| Net operating income to assets | 0.2127% | 5,220 |
| Return on assets (ROA) | 0.2127% | 5,213 |
| Pretax return on assets | 0.2127% | 5,230 |
| Return on Equity (ROE) | 2.0516% | 5,167 |
| Retained earnings to average equity (ytd only) | -0.5129% | 5,028 |
| Net charge-offs to loans | 0.0154% | 2,629 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,302 |
| Efficiency ratio | 88.6364% | 429 |
| Assets per employee ($millions) | 3.5480% | 4,536 |
| Cash dividends to net income (ytd only)* | 125.0000% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,127 |
| Loan loss allowance to noncurrent loans | 20.1456% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 4.6449% | 106 |
| Noncurrent loans to loans | 6.4953% | 74 |
| Net loans and leases to total assets | 70.5750% | 2,490 |
| Net loans and leases to deposits | 79.3259% | 3,021 |
| Net loans and leases to core deposits | 82.5640% | 3,198 |
| Total domestic deposits to total assets | 88.9684% | 947 |
| Equity capital to assets | 10.9696% | 2,663 |
| Core capital (leverage) ratio | 10.7999% | 2,701 |
| Tier 1 risk-based capital ratio | 18.8590% | 1,590 |
| Total risk-based capital ratio | 20.1085% | 1,546 |
| Memoranda: | ||
| Average total assets | $18,809,330 | 5,487 |
| Average earning assets | $17,712,000 | 5,472 |
| Average equity | $1,949,670 | 5,490 |
| Average total loans | $13,002,000 | 5,359 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,431 |
| Cost of funding earning assets | 0.5280% | 2,556 |
| Net interest margin | 3.5197% | 3,463 |
| Noninterest income to average assets | 0.3929% | 3,522 |
| Noninterest expense to average assets | 3.6807% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0207% | 5,377 |
| Return on assets (ROA) | 0.0207% | 5,374 |
| Pretax return on assets | 0.0207% | 5,382 |
| Return on Equity (ROE) | 0.2050% | 5,370 |
| Retained earnings to average equity (ytd only) | 0.2050% | 4,774 |
| Net charge-offs to loans | 0.0608% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 2,634 |
| Efficiency ratio | 99.4413% | 182 |
| Assets per employee ($millions) | 3.6810% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,293 |
| Loan loss allowance to noncurrent loans | 26.6055% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.9612% | 274 |
| Noncurrent loans to loans | 4.1888% | 227 |
| Net loans and leases to total assets | 69.9049% | 2,501 |
| Net loans and leases to deposits | 78.2603% | 2,994 |
| Net loans and leases to core deposits | 81.3172% | 3,208 |
| Total domestic deposits to total assets | 89.3236% | 952 |
| Equity capital to assets | 10.6058% | 2,965 |
| Core capital (leverage) ratio | 9.9842% | 3,556 |
| Tier 1 risk-based capital ratio | 18.8677% | 1,585 |
| Total risk-based capital ratio | 20.1140% | 1,546 |
| Memoranda: | ||
| Average total assets | $19,344,000 | 5,548 |
| Average earning assets | $18,183,500 | 5,531 |
| Average equity | $1,951,500 | 5,548 |
| Average total loans | $13,160,000 | 5,420 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,976 |
| Cost of funding earning assets | 0.5636% | 1,866 |
| Net interest margin | 3.5588% | 3,304 |
| Noninterest income to average assets | 0.4383% | 3,387 |
| Noninterest expense to average assets | 2.9222% | 2,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8615% | 2,911 |
| Return on assets (ROA) | 0.8615% | 2,930 |
| Pretax return on assets | 0.8565% | 4,064 |
| Return on Equity (ROE) | 8.6276% | 2,484 |
| Retained earnings to average equity (ytd only) | 0.0505% | 4,986 |
| Net charge-offs to loans | 0.5460% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.1795% | 3,789 |
| Efficiency ratio | 77.3333% | 1,443 |
| Assets per employee ($millions) | 4.0566% | 3,874 |
| Cash dividends to net income (ytd only)* | 99.4152% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,332 |
| Loan loss allowance to noncurrent loans | 46.3722% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.9820% | 569 |
| Noncurrent loans to loans | 2.3818% | 582 |
| Net loans and leases to total assets | 64.8918% | 3,247 |
| Net loans and leases to deposits | 71.8567% | 3,715 |
| Net loans and leases to core deposits | 74.3616% | 3,852 |
| Total domestic deposits to total assets | 90.3072% | 468 |
| Equity capital to assets | 9.6189% | 4,125 |
| Core capital (leverage) ratio | 9.9673% | 3,496 |
| Tier 1 risk-based capital ratio | 18.1835% | 1,751 |
| Total risk-based capital ratio | 19.4318% | 1,704 |
| Memoranda: | ||
| Average total assets | $19,848,000 | 5,605 |
| Average earning assets | $18,630,000 | 5,588 |
| Average equity | $1,982,000 | 5,607 |
| Average total loans | $14,286,600 | 5,459 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 2,735 |
| Cost of funding earning assets | 0.5582% | 1,829 |
| Net interest margin | 3.6064% | 3,127 |
| Noninterest income to average assets | 0.4458% | 3,362 |
| Noninterest expense to average assets | 2.8909% | 2,443 |
| Loan and lease loss provision to assets | 0.1013% | 2,091 |
| Net operating income to assets | 0.8443% | 3,296 |
| Return on assets (ROA) | 0.8443% | 3,345 |
| Pretax return on assets | 0.8578% | 4,190 |
| Return on Equity (ROE) | 8.3759% | 2,941 |
| Retained earnings to average equity (ytd only) | 4.3553% | 3,312 |
| Net charge-offs to loans | 0.7249% | 257 |
| Credit loss provision to net charge-offs | 18.9873% | 3,166 |
| Earnings coverage of net charge-offs (x) | 1.7975% | 3,546 |
| Efficiency ratio | 75.0877% | 1,727 |
| Assets per employee ($millions) | 3.9306% | 4,104 |
| Cash dividends to net income (ytd only)* | 48.0019% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,867 |
| Loan loss allowance to noncurrent loans | 31.8182% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 3.1293% | 278 |
| Noncurrent loans to loans | 3.8051% | 269 |
| Net loans and leases to total assets | 66.8448% | 2,998 |
| Net loans and leases to deposits | 74.5573% | 3,514 |
| Net loans and leases to core deposits | 77.2583% | 3,706 |
| Total domestic deposits to total assets | 89.6555% | 600 |
| Equity capital to assets | 10.2529% | 3,633 |
| Core capital (leverage) ratio | 10.3475% | 3,144 |
| Tier 1 risk-based capital ratio | 17.1794% | 2,106 |
| Total risk-based capital ratio | 18.4235% | 2,062 |
| Memoranda: | ||
| Average total assets | $19,739,250 | 5,670 |
| Average earning assets | $18,632,750 | 5,652 |
| Average equity | $1,989,750 | 5,672 |
| Average total loans | $14,531,000 | 5,506 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1665% | 2,601 |
| Cost of funding earning assets | 0.5342% | 1,884 |
| Net interest margin | 3.6323% | 2,903 |
| Noninterest income to average assets | 0.4553% | 3,318 |
| Noninterest expense to average assets | 2.9239% | 2,347 |
| Loan and lease loss provision to assets | 0.1518% | 1,324 |
| Net operating income to assets | 0.8094% | 3,355 |
| Return on assets (ROA) | 0.8094% | 3,408 |
| Pretax return on assets | 0.8195% | 4,204 |
| Return on Equity (ROE) | 8.0754% | 2,982 |
| Retained earnings to average equity (ytd only) | 5.0471% | 2,679 |
| Net charge-offs to loans | 1.1779% | 168 |
| Credit loss provision to net charge-offs | 17.0455% | 2,806 |
| Earnings coverage of net charge-offs (x) | 1.0909% | 3,321 |
| Efficiency ratio | 75.0649% | 1,846 |
| Assets per employee ($millions) | 3.9290% | 4,083 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,403 |
| Loan loss allowance to noncurrent loans | 46.2006% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.2296% | 531 |
| Noncurrent loans to loans | 2.4536% | 623 |
| Net loans and leases to total assets | 67.4828% | 2,880 |
| Net loans and leases to deposits | 75.2042% | 3,435 |
| Net loans and leases to core deposits | 76.7943% | 3,700 |
| Total domestic deposits to total assets | 89.7328% | 630 |
| Equity capital to assets | 10.1807% | 3,690 |
| Core capital (leverage) ratio | 10.1553% | 3,331 |
| Tier 1 risk-based capital ratio | 17.1040% | 2,136 |
| Total risk-based capital ratio | 18.3520% | 2,077 |
| Memoranda: | ||
| Average total assets | $19,768,000 | 5,716 |
| Average earning assets | $18,720,670 | 5,700 |
| Average equity | $1,981,330 | 5,721 |
| Average total loans | $14,942,000 | 5,545 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,141 |
| Cost of funding earning assets | 0.5189% | 1,945 |
| Net interest margin | 3.7187% | 2,425 |
| Noninterest income to average assets | 0.4438% | 3,344 |
| Noninterest expense to average assets | 2.6829% | 3,205 |
| Loan and lease loss provision to assets | 0.3026% | 442 |
| Net operating income to assets | 0.8876% | 2,827 |
| Return on assets (ROA) | 0.8876% | 2,872 |
| Pretax return on assets | 0.9279% | 3,667 |
| Return on Equity (ROE) | 8.9249% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.9249% | 1,108 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5567% | 3,117 |
| Assets per employee ($millions) | 3.8938% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 1,357 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.0356% | 331 |
| Noncurrent loans to loans | 2.6797% | 564 |
| Net loans and leases to total assets | 75.4379% | 1,508 |
| Net loans and leases to deposits | 84.1180% | 2,270 |
| Net loans and leases to core deposits | 85.9140% | 2,722 |
| Total domestic deposits to total assets | 89.6810% | 806 |
| Equity capital to assets | 10.2419% | 3,471 |
| Core capital (leverage) ratio | 10.1745% | 3,275 |
| Tier 1 risk-based capital ratio | 15.5393% | 2,740 |
| Total risk-based capital ratio | 16.7940% | 2,666 |
| Memoranda: | ||
| Average total assets | $19,829,500 | 5,786 |
| Average earning assets | $18,501,000 | 5,770 |
| Average equity | $1,972,000 | 5,786 |
| Average total loans | $15,708,500 | 5,597 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 1,536 |
| Cost of funding earning assets | 0.5264% | 1,893 |
| Net interest margin | 3.9733% | 1,719 |
| Noninterest income to average assets | 0.3702% | 4,100 |
| Noninterest expense to average assets | 2.9132% | 2,628 |
| Loan and lease loss provision to assets | 0.2259% | 962 |
| Net operating income to assets | 0.9807% | 2,434 |
| Return on assets (ROA) | 0.9807% | 2,541 |
| Pretax return on assets | 1.0047% | 3,461 |
| Return on Equity (ROE) | 10.2379% | 1,866 |
| Retained earnings to average equity (ytd only) | 0.9535% | 4,941 |
| Net charge-offs to loans | 0.3579% | 764 |
| Credit loss provision to net charge-offs | 75.8065% | 3,045 |
| Earnings coverage of net charge-offs (x) | 4.1290% | 3,549 |
| Efficiency ratio | 70.3016% | 2,850 |
| Assets per employee ($millions) | 4.0380% | 3,900 |
| Cash dividends to net income (ytd only)* | 90.6863% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 2,244 |
| Loan loss allowance to noncurrent loans | 67.9758% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 2.5854% | 450 |
| Noncurrent loans to loans | 2.0073% | 898 |
| Net loans and leases to total assets | 80.5597% | 802 |
| Net loans and leases to deposits | 89.2504% | 1,773 |
| Net loans and leases to core deposits | 92.5252% | 2,247 |
| Total domestic deposits to total assets | 90.2625% | 532 |
| Equity capital to assets | 9.6582% | 4,108 |
| Core capital (leverage) ratio | 9.9404% | 3,570 |
| Tier 1 risk-based capital ratio | 13.7948% | 3,586 |
| Total risk-based capital ratio | 15.0463% | 3,489 |
| Memoranda: | ||
| Average total assets | $20,802,000 | 5,831 |
| Average earning assets | $19,757,000 | 5,804 |
| Average equity | $1,992,600 | 5,845 |
| Average total loans | $17,324,800 | 5,603 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 1,653 |
| Cost of funding earning assets | 0.5330% | 1,854 |
| Net interest margin | 3.9313% | 1,874 |
| Noninterest income to average assets | 0.3754% | 4,097 |
| Noninterest expense to average assets | 2.8632% | 2,774 |
| Loan and lease loss provision to assets | 0.1145% | 2,018 |
| Net operating income to assets | 1.1262% | 1,890 |
| Return on assets (ROA) | 1.1262% | 2,005 |
| Pretax return on assets | 1.1516% | 3,040 |
| Return on Equity (ROE) | 11.7804% | 1,392 |
| Retained earnings to average equity (ytd only) | 7.7873% | 1,263 |
| Net charge-offs to loans | 0.1141% | 1,807 |
| Credit loss provision to net charge-offs | 120.0000% | 2,086 |
| Earnings coverage of net charge-offs (x) | 13.2665% | 2,323 |
| Efficiency ratio | 69.3374% | 2,992 |
| Assets per employee ($millions) | 3.8900% | 4,151 |
| Cash dividends to net income (ytd only)* | 33.8997% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 2,017 |
| Loan loss allowance to noncurrent loans | 29.5981% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 4.3548% | 182 |
| Noncurrent loans to loans | 4.8672% | 178 |
| Net loans and leases to total assets | 85.4756% | 291 |
| Net loans and leases to deposits | 101.1499% | 630 |
| Net loans and leases to core deposits | 105.2682% | 1,255 |
| Total domestic deposits to total assets | 84.5039% | 3,029 |
| Equity capital to assets | 10.5398% | 3,520 |
| Core capital (leverage) ratio | 10.0619% | 3,492 |
| Tier 1 risk-based capital ratio | 15.0651% | 3,023 |
| Total risk-based capital ratio | 16.3150% | 2,955 |
| Memoranda: | ||
| Average total assets | $20,955,000 | 5,891 |
| Average earning assets | $20,010,000 | 5,864 |
| Average equity | $2,003,250 | 5,908 |
| Average total loans | $17,533,500 | 5,646 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 1,724 |
| Cost of funding earning assets | 0.5178% | 1,951 |
| Net interest margin | 3.9177% | 1,923 |
| Noninterest income to average assets | 0.3635% | 4,158 |
| Noninterest expense to average assets | 2.7497% | 3,199 |
| Loan and lease loss provision to assets | 0.1678% | 1,329 |
| Net operating income to assets | 1.1651% | 1,721 |
| Return on assets (ROA) | 1.1651% | 1,823 |
| Pretax return on assets | 1.1838% | 2,846 |
| Return on Equity (ROE) | 12.5775% | 1,142 |
| Retained earnings to average equity (ytd only) | 9.5589% | 700 |
| Net charge-offs to loans | 0.1690% | 1,327 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,396 |
| Efficiency ratio | 67.0455% | 3,530 |
| Assets per employee ($millions) | 4.0882% | 3,759 |
| Cash dividends to net income (ytd only)* | 24.0000% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 2,261 |
| Loan loss allowance to noncurrent loans | 39.1935% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.4979% | 306 |
| Noncurrent loans to loans | 3.5905% | 364 |
| Net loans and leases to total assets | 83.2885% | 483 |
| Net loans and leases to deposits | 92.5272% | 1,447 |
| Net loans and leases to core deposits | 106.3066% | 1,156 |
| Total domestic deposits to total assets | 90.0152% | 485 |
| Equity capital to assets | 9.9212% | 4,321 |
| Core capital (leverage) ratio | 9.7541% | 3,868 |
| Tier 1 risk-based capital ratio | 14.4394% | 3,354 |
| Total risk-based capital ratio | 15.6931% | 3,282 |
| Memoranda: | ||
| Average total assets | $21,456,670 | 5,961 |
| Average earning assets | $20,471,000 | 5,931 |
| Average equity | $1,987,670 | 5,984 |
| Average total loans | $17,755,330 | 5,708 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,673 |
| Cost of funding earning assets | 0.5171% | 1,971 |
| Net interest margin | 3.9263% | 1,860 |
| Noninterest income to average assets | 0.3824% | 3,969 |
| Noninterest expense to average assets | 2.4039% | 4,355 |
| Loan and lease loss provision to assets | 0.3278% | 465 |
| Net operating income to assets | 1.3294% | 1,188 |
| Return on assets (ROA) | 1.3294% | 1,268 |
| Pretax return on assets | 1.3841% | 1,948 |
| Return on Equity (ROE) | 14.8412% | 698 |
| Retained earnings to average equity (ytd only) | 14.8412% | 260 |
| Net charge-offs to loans | 0.1778% | 1,083 |
| Credit loss provision to net charge-offs | 225.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,845 |
| Efficiency ratio | 58.4071% | 4,952 |
| Assets per employee ($millions) | 4.2746% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 2,345 |
| Loan loss allowance to noncurrent loans | 45.4545% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 3.0178% | 415 |
| Noncurrent loans to loans | 3.1172% | 506 |
| Net loans and leases to total assets | 81.3831% | 640 |
| Net loans and leases to deposits | 89.8683% | 1,590 |
| Net loans and leases to core deposits | 102.4864% | 1,296 |
| Total domestic deposits to total assets | 90.5582% | 417 |
| Equity capital to assets | 9.3810% | 4,794 |
| Core capital (leverage) ratio | 9.3096% | 4,478 |
| Tier 1 risk-based capital ratio | 14.0810% | 3,636 |
| Total risk-based capital ratio | 15.3311% | 3,568 |
| Memoranda: | ||
| Average total assets | $21,964,500 | 6,014 |
| Average earning assets | $20,885,000 | 5,985 |
| Average equity | $1,967,500 | 6,045 |
| Average total loans | $17,999,000 | 5,751 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,100 |
| Cost of funding earning assets | 0.5913% | 1,427 |
| Net interest margin | 3.7466% | 2,571 |
| Noninterest income to average assets | 0.3995% | 4,041 |
| Noninterest expense to average assets | 2.0911% | 5,270 |
| Loan and lease loss provision to assets | 0.4250% | 302 |
| Net operating income to assets | 1.4575% | 935 |
| Return on assets (ROA) | 1.4450% | 989 |
| Pretax return on assets | 1.4791% | 1,621 |
| Return on Equity (ROE) | 18.0928% | 370 |
| Retained earnings to average equity (ytd only) | 9.3125% | 586 |
| Net charge-offs to loans | 0.5138% | 499 |
| Credit loss provision to net charge-offs | 105.2632% | 2,385 |
| Earnings coverage of net charge-offs (x) | 4.7474% | 3,495 |
| Efficiency ratio | 52.1739% | 5,626 |
| Assets per employee ($millions) | 4.5112% | 3,029 |
| Cash dividends to net income (ytd only)* | 48.5294% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,856 |
| Loan loss allowance to noncurrent loans | 36.9800% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.8773% | 471 |
| Noncurrent loans to loans | 3.5360% | 388 |
| Net loans and leases to total assets | 80.3068% | 798 |
| Net loans and leases to deposits | 87.8936% | 1,887 |
| Net loans and leases to core deposits | 100.7677% | 1,455 |
| Total domestic deposits to total assets | 91.3682% | 200 |
| Equity capital to assets | 8.5565% | 5,511 |
| Core capital (leverage) ratio | 8.7149% | 5,198 |
| Tier 1 risk-based capital ratio | 12.9560% | 4,356 |
| Total risk-based capital ratio | 14.2100% | 4,253 |
| Memoranda: | ||
| Average total assets | $23,528,600 | 6,046 |
| Average earning assets | $22,660,800 | 6,014 |
| Average equity | $1,879,200 | 6,114 |
| Average total loans | $18,491,200 | 5,779 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 2,190 |
| Cost of funding earning assets | 0.6093% | 1,349 |
| Net interest margin | 3.7020% | 2,760 |
| Noninterest income to average assets | 0.3758% | 4,246 |
| Noninterest expense to average assets | 1.9855% | 5,507 |
| Loan and lease loss provision to assets | 0.5440% | 179 |
| Net operating income to assets | 1.3910% | 1,128 |
| Return on assets (ROA) | 1.3910% | 1,177 |
| Pretax return on assets | 1.4246% | 1,916 |
| Return on Equity (ROE) | 17.7155% | 423 |
| Retained earnings to average equity (ytd only) | 13.4294% | 243 |
| Net charge-offs to loans | 0.6981% | 305 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 3.6186% | 3,478 |
| Efficiency ratio | 50.2128% | 5,764 |
| Assets per employee ($millions) | 4.5916% | 2,847 |
| Cash dividends to net income (ytd only)* | 24.1940% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 3,282 |
| Loan loss allowance to noncurrent loans | 43.9252% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 2.3303% | 777 |
| Noncurrent loans to loans | 2.8796% | 633 |
| Net loans and leases to total assets | 79.9024% | 835 |
| Net loans and leases to deposits | 92.9375% | 1,310 |
| Net loans and leases to core deposits | 107.2247% | 1,024 |
| Total domestic deposits to total assets | 85.9744% | 2,532 |
| Equity capital to assets | 8.4720% | 5,724 |
| Core capital (leverage) ratio | 8.3127% | 5,711 |
| Tier 1 risk-based capital ratio | 13.1224% | 4,364 |
| Total risk-based capital ratio | 14.3705% | 4,285 |
| Memoranda: | ||
| Average total assets | $23,771,750 | 6,130 |
| Average earning assets | $22,978,000 | 6,092 |
| Average equity | $1,866,500 | 6,200 |
| Average total loans | $18,525,500 | 5,851 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,475 |
| Cost of funding earning assets | 0.6030% | 1,394 |
| Net interest margin | 3.6178% | 3,022 |
| Noninterest income to average assets | 0.3494% | 4,459 |
| Noninterest expense to average assets | 1.9631% | 5,608 |
| Loan and lease loss provision to assets | 0.1414% | 1,543 |
| Net operating income to assets | 1.7053% | 625 |
| Return on assets (ROA) | 1.7053% | 655 |
| Pretax return on assets | 1.7386% | 1,000 |
| Return on Equity (ROE) | 22.2786% | 186 |
| Retained earnings to average equity (ytd only) | 19.0183% | 83 |
| Net charge-offs to loans | 0.1729% | 1,428 |
| Credit loss provision to net charge-offs | 106.2500% | 1,969 |
| Earnings coverage of net charge-offs (x) | 14.1250% | 2,079 |
| Efficiency ratio | 51.0823% | 5,796 |
| Assets per employee ($millions) | 4.7442% | 2,613 |
| Cash dividends to net income (ytd only)* | 14.6341% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 3,468 |
| Loan loss allowance to noncurrent loans | 34.6041% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.8751% | 596 |
| Noncurrent loans to loans | 3.6366% | 470 |
| Net loans and leases to total assets | 78.0658% | 1,061 |
| Net loans and leases to deposits | 85.0425% | 2,180 |
| Net loans and leases to core deposits | 103.4294% | 1,229 |
| Total domestic deposits to total assets | 91.7963% | 151 |
| Equity capital to assets | 8.1405% | 5,918 |
| Core capital (leverage) ratio | 7.9523% | 5,954 |
| Tier 1 risk-based capital ratio | 12.8714% | 4,588 |
| Total risk-based capital ratio | 14.1239% | 4,502 |
| Memoranda: | ||
| Average total assets | $24,043,000 | 6,200 |
| Average earning assets | $23,218,670 | 6,160 |
| Average equity | $1,840,330 | 6,274 |
| Average total loans | $18,507,670 | 5,905 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,189 |
| Cost of funding earning assets | 0.5804% | 1,580 |
| Net interest margin | 3.4313% | 3,705 |
| Noninterest income to average assets | 0.3471% | 4,421 |
| Noninterest expense to average assets | 2.0492% | 5,486 |
| Loan and lease loss provision to assets | 0.2809% | 537 |
| Net operating income to assets | 1.2560% | 1,386 |
| Return on assets (ROA) | 1.2560% | 1,473 |
| Pretax return on assets | 1.3386% | 2,122 |
| Return on Equity (ROE) | 16.9359% | 479 |
| Retained earnings to average equity (ytd only) | 16.9359% | 182 |
| Net charge-offs to loans | 0.3699% | 660 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 5.7647% | 2,357 |
| Efficiency ratio | 55.8559% | 5,526 |
| Assets per employee ($millions) | 4.9362% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 3,489 |
| Loan loss allowance to noncurrent loans | 25.3780% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 3.7519% | 419 |
| Noncurrent loans to loans | 5.0626% | 261 |
| Net loans and leases to total assets | 73.1575% | 1,626 |
| Net loans and leases to deposits | 79.0716% | 2,676 |
| Net loans and leases to core deposits | 95.2019% | 1,679 |
| Total domestic deposits to total assets | 92.5206% | 91 |
| Equity capital to assets | 7.4268% | 6,192 |
| Core capital (leverage) ratio | 7.4612% | 6,155 |
| Tier 1 risk-based capital ratio | 12.3443% | 5,015 |
| Total risk-based capital ratio | 13.5969% | 4,926 |
| Memoranda: | ||
| Average total assets | $24,204,000 | 6,265 |
| Average earning assets | $23,431,500 | 6,223 |
| Average equity | $1,795,000 | 6,343 |
| Average total loans | $18,384,500 | 5,962 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 3,097 |
| Cost of funding earning assets | 0.5325% | 2,360 |
| Net interest margin | 3.6240% | 3,322 |
| Noninterest income to average assets | 0.4217% | 4,025 |
| Noninterest expense to average assets | 1.9861% | 5,794 |
| Loan and lease loss provision to assets | 0.4897% | 317 |
| Net operating income to assets | 1.4057% | 1,075 |
| Return on assets (ROA) | 1.4057% | 1,104 |
| Pretax return on assets | 1.4329% | 1,774 |
| Return on Equity (ROE) | 17.5817% | 437 |
| Retained earnings to average equity (ytd only) | 6.5222% | 1,629 |
| Net charge-offs to loans | 0.1389% | 2,635 |
| Credit loss provision to net charge-offs | 469.5652% | 560 |
| Earnings coverage of net charge-offs (x) | 18.4348% | 1,848 |
| Efficiency ratio | 50.8121% | 6,050 |
| Assets per employee ($millions) | 4.7454% | 2,659 |
| Cash dividends to net income (ytd only)* | 62.9032% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 3,584 |
| Loan loss allowance to noncurrent loans | 24.3523% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 4.0671% | 407 |
| Noncurrent loans to loans | 5.2224% | 269 |
| Net loans and leases to total assets | 76.8871% | 1,146 |
| Net loans and leases to deposits | 83.0927% | 2,324 |
| Net loans and leases to core deposits | 98.0174% | 1,548 |
| Total domestic deposits to total assets | 92.5317% | 96 |
| Equity capital to assets | 7.4051% | 6,256 |
| Core capital (leverage) ratio | 7.6815% | 6,138 |
| Tier 1 risk-based capital ratio | 10.6672% | 6,036 |
| Total risk-based capital ratio | 11.9179% | 5,978 |
| Memoranda: | ||
| Average total assets | $22,053,600 | 6,384 |
| Average earning assets | $21,219,600 | 6,346 |
| Average equity | $1,763,200 | 6,431 |
| Average total loans | $16,555,200 | 6,102 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,671 |
| Cost of funding earning assets | 0.5259% | 2,503 |
| Net interest margin | 3.7650% | 2,760 |
| Noninterest income to average assets | 0.4067% | 4,195 |
| Noninterest expense to average assets | 1.9782% | 5,801 |
| Loan and lease loss provision to assets | 0.2034% | 1,158 |
| Net operating income to assets | 1.8180% | 499 |
| Return on assets (ROA) | 1.8180% | 513 |
| Pretax return on assets | 1.8426% | 813 |
| Return on Equity (ROE) | 22.2876% | 177 |
| Retained earnings to average equity (ytd only) | 17.7549% | 119 |
| Net charge-offs to loans | 0.0249% | 4,007 |
| Credit loss provision to net charge-offs | 1,100.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 110.6650% | 541 |
| Efficiency ratio | 49.1577% | 6,138 |
| Assets per employee ($millions) | 4.2668% | 3,350 |
| Cash dividends to net income (ytd only)* | 20.3397% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 4,984 |
| Loan loss allowance to noncurrent loans | 27.4809% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 3.0702% | 758 |
| Noncurrent loans to loans | 3.8228% | 581 |
| Net loans and leases to total assets | 79.4694% | 775 |
| Net loans and leases to deposits | 87.1850% | 1,767 |
| Net loans and leases to core deposits | 105.2782% | 1,002 |
| Total domestic deposits to total assets | 91.1503% | 321 |
| Equity capital to assets | 8.7982% | 5,554 |
| Core capital (leverage) ratio | 8.7727% | 5,369 |
| Tier 1 risk-based capital ratio | 12.4083% | 5,220 |
| Total risk-based capital ratio | 13.5982% | 5,198 |
| Memoranda: | ||
| Average total assets | $21,635,250 | 6,464 |
| Average earning assets | $20,787,250 | 6,435 |
| Average equity | $1,764,750 | 6,507 |
| Average total loans | $16,074,500 | 6,193 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 3,030 |
| Cost of funding earning assets | 0.5166% | 2,667 |
| Net interest margin | 3.6637% | 3,100 |
| Noninterest income to average assets | 0.3865% | 4,351 |
| Noninterest expense to average assets | 1.8679% | 6,049 |
| Loan and lease loss provision to assets | 0.2116% | 1,114 |
| Net operating income to assets | 1.8035% | 489 |
| Return on assets (ROA) | 1.8035% | 507 |
| Pretax return on assets | 1.8311% | 794 |
| Return on Equity (ROE) | 22.6940% | 178 |
| Retained earnings to average equity (ytd only) | 19.2204% | 98 |
| Net charge-offs to loans | 0.0382% | 3,457 |
| Credit loss provision to net charge-offs | 766.6667% | 416 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 705 |
| Efficiency ratio | 47.7647% | 6,299 |
| Assets per employee ($millions) | 4.2890% | 3,294 |
| Cash dividends to net income (ytd only)* | 15.3061% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 5,139 |
| Loan loss allowance to noncurrent loans | 21.5463% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 3.6792% | 616 |
| Noncurrent loans to loans | 4.8557% | 424 |
| Net loans and leases to total assets | 74.9779% | 1,311 |
| Net loans and leases to deposits | 81.9229% | 2,259 |
| Net loans and leases to core deposits | 98.7229% | 1,391 |
| Total domestic deposits to total assets | 91.5225% | 261 |
| Equity capital to assets | 8.4309% | 5,857 |
| Core capital (leverage) ratio | 8.3812% | 5,759 |
| Tier 1 risk-based capital ratio | 12.3861% | 5,310 |
| Total risk-based capital ratio | 13.5507% | 5,280 |
| Memoranda: | ||
| Average total assets | $21,735,670 | 6,528 |
| Average earning assets | $20,907,670 | 6,498 |
| Average equity | $1,727,330 | 6,573 |
| Average total loans | $15,721,330 | 6,262 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,184 |
| Cost of funding earning assets | 0.5132% | 2,773 |
| Net interest margin | 3.6112% | 3,207 |
| Noninterest income to average assets | 0.3473% | 4,595 |
| Noninterest expense to average assets | 1.8646% | 6,125 |
| Loan and lease loss provision to assets | 0.2559% | 837 |
| Net operating income to assets | 1.6453% | 622 |
| Return on assets (ROA) | 1.6453% | 649 |
| Pretax return on assets | 1.7001% | 976 |
| Return on Equity (ROE) | 21.3397% | 229 |
| Retained earnings to average equity (ytd only) | 21.3397% | 97 |
| Net charge-offs to loans | 0.1035% | 2,141 |
| Credit loss provision to net charge-offs | 350.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,122 |
| Efficiency ratio | 48.8038% | 6,321 |
| Assets per employee ($millions) | 4.4154% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 5,511 |
| Loan loss allowance to noncurrent loans | 52.8053% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.3725% | 2,578 |
| Noncurrent loans to loans | 1.8980% | 2,002 |
| Net loans and leases to total assets | 71.5858% | 1,637 |
| Net loans and leases to deposits | 77.7144% | 2,602 |
| Net loans and leases to core deposits | 92.9811% | 1,642 |
| Total domestic deposits to total assets | 92.1140% | 221 |
| Equity capital to assets | 7.8453% | 6,149 |
| Core capital (leverage) ratio | 7.7787% | 6,232 |
| Tier 1 risk-based capital ratio | 12.0103% | 5,639 |
| Total risk-based capital ratio | 13.1198% | 5,652 |
| Memoranda: | ||
| Average total assets | $21,881,000 | 6,598 |
| Average earning assets | $21,045,500 | 6,560 |
| Average equity | $1,687,000 | 6,643 |
| Average total loans | $15,457,500 | 6,333 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 3,755 |
| Cost of funding earning assets | 0.4861% | 3,754 |
| Net interest margin | 3.6106% | 3,420 |
| Noninterest income to average assets | 0.3612% | 4,718 |
| Noninterest expense to average assets | 2.1151% | 5,797 |
| Loan and lease loss provision to assets | 0.1047% | 3,049 |
| Net operating income to assets | 1.5759% | 726 |
| Return on assets (ROA) | 1.5759% | 750 |
| Pretax return on assets | 1.6020% | 1,161 |
| Return on Equity (ROE) | 18.4776% | 375 |
| Retained earnings to average equity (ytd only) | 6.5071% | 1,681 |
| Net charge-offs to loans | 0.0755% | 4,154 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 1,101 |
| Efficiency ratio | 55.3425% | 6,018 |
| Assets per employee ($millions) | 4.3370% | 3,204 |
| Cash dividends to net income (ytd only)* | 64.7841% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 5,545 |
| Loan loss allowance to noncurrent loans | 52.8169% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 2,801 |
| Noncurrent loans to loans | 1.8995% | 2,117 |
| Net loans and leases to total assets | 68.2546% | 2,307 |
| Net loans and leases to deposits | 73.8942% | 3,275 |
| Net loans and leases to core deposits | 88.6712% | 2,167 |
| Total domestic deposits to total assets | 92.3680% | 222 |
| Equity capital to assets | 7.5721% | 6,248 |
| Core capital (leverage) ratio | 7.6794% | 6,314 |
| Tier 1 risk-based capital ratio | 11.8951% | 5,681 |
| Total risk-based capital ratio | 12.9817% | 5,717 |
| Memoranda: | ||
| Average total assets | $19,100,800 | 6,716 |
| Average earning assets | $18,307,200 | 6,679 |
| Average equity | $1,629,000 | 6,743 |
| Average total loans | $13,249,400 | 6,480 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 3,639 |
| Cost of funding earning assets | 0.4522% | 4,251 |
| Net interest margin | 3.6778% | 3,119 |
| Noninterest income to average assets | 0.3107% | 5,217 |
| Noninterest expense to average assets | 2.1169% | 5,792 |
| Loan and lease loss provision to assets | 0.0795% | 3,467 |
| Net operating income to assets | 1.6111% | 734 |
| Return on assets (ROA) | 1.6111% | 778 |
| Pretax return on assets | 1.6400% | 1,246 |
| Return on Equity (ROE) | 18.2888% | 417 |
| Retained earnings to average equity (ytd only) | 13.3680% | 302 |
| Net charge-offs to loans | 0.1039% | 3,495 |
| Credit loss provision to net charge-offs | 110.0000% | 2,141 |
| Earnings coverage of net charge-offs (x) | 23.8057% | 1,453 |
| Efficiency ratio | 55.1789% | 6,008 |
| Assets per employee ($millions) | 4.1274% | 3,587 |
| Cash dividends to net income (ytd only)* | 26.9061% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 5,691 |
| Loan loss allowance to noncurrent loans | 27.1154% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 2.5197% | 1,521 |
| Noncurrent loans to loans | 3.7050% | 996 |
| Net loans and leases to total assets | 67.3257% | 2,410 |
| Net loans and leases to deposits | 73.4045% | 3,333 |
| Net loans and leases to core deposits | 87.0770% | 2,275 |
| Total domestic deposits to total assets | 91.7188% | 311 |
| Equity capital to assets | 8.2279% | 5,981 |
| Core capital (leverage) ratio | 9.3935% | 4,538 |
| Tier 1 risk-based capital ratio | 12.9457% | 5,160 |
| Total risk-based capital ratio | 14.0201% | 5,217 |
| Memoranda: | ||
| Average total assets | $18,454,750 | 6,799 |
| Average earning assets | $17,691,250 | 6,763 |
| Average equity | $1,625,750 | 6,821 |
| Average total loans | $12,824,000 | 6,559 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 3,259 |
| Cost of funding earning assets | 0.4840% | 4,046 |
| Net interest margin | 3.7423% | 2,795 |
| Noninterest income to average assets | 0.3272% | 5,078 |
| Noninterest expense to average assets | 2.1436% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7374% | 588 |
| Return on assets (ROA) | 1.7374% | 637 |
| Pretax return on assets | 1.7600% | 999 |
| Return on Equity (ROE) | 19.2299% | 365 |
| Retained earnings to average equity (ytd only) | 15.4838% | 213 |
| Net charge-offs to loans | 0.2737% | 2,112 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.1765% | 2,314 |
| Efficiency ratio | 54.9133% | 6,065 |
| Assets per employee ($millions) | 3.4758% | 4,904 |
| Cash dividends to net income (ytd only)* | 19.4805% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 5,952 |
| Loan loss allowance to noncurrent loans | 49.3976% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 2,951 |
| Noncurrent loans to loans | 1.9496% | 2,454 |
| Net loans and leases to total assets | 72.7832% | 1,439 |
| Net loans and leases to deposits | 80.5105% | 2,253 |
| Net loans and leases to core deposits | 80.5105% | 2,977 |
| Total domestic deposits to total assets | 90.4022% | 802 |
| Equity capital to assets | 9.5402% | 4,533 |
| Core capital (leverage) ratio | 9.3495% | 4,472 |
| Tier 1 risk-based capital ratio | 14.3910% | 4,167 |
| Total risk-based capital ratio | 15.4573% | 4,248 |
| Memoranda: | ||
| Average total assets | $17,727,330 | 6,856 |
| Average earning assets | $16,941,670 | 6,826 |
| Average equity | $1,601,670 | 6,873 |
| Average total loans | $12,420,330 | 6,615 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 3,810 |
| Cost of funding earning assets | 0.4894% | 4,183 |
| Net interest margin | 3.5891% | 3,304 |
| Noninterest income to average assets | 0.2681% | 5,536 |
| Noninterest expense to average assets | 1.9663% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6758% | 616 |
| Return on assets (ROA) | 1.6758% | 679 |
| Pretax return on assets | 1.7429% | 989 |
| Return on Equity (ROE) | 19.0658% | 354 |
| Retained earnings to average equity (ytd only) | 19.0658% | 165 |
| Net charge-offs to loans | -0.0653% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0120% | 6,306 |
| Assets per employee ($millions) | 3.5684% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,299 |
| Loan loss allowance to noncurrent loans | 48.6301% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 1.8776% | 2,509 |
| Noncurrent loans to loans | 2.4148% | 2,145 |
| Net loans and leases to total assets | 66.9768% | 2,202 |
| Net loans and leases to deposits | 73.6654% | 2,966 |
| Net loans and leases to core deposits | 73.6654% | 3,622 |
| Total domestic deposits to total assets | 90.9203% | 555 |
| Equity capital to assets | 9.0293% | 5,445 |
| Core capital (leverage) ratio | 9.1529% | 4,633 |
| Tier 1 risk-based capital ratio | 14.1552% | 4,393 |
| Total risk-based capital ratio | 15.4029% | 4,355 |
| Memoranda: | ||
| Average total assets | $17,901,500 | 6,928 |
| Average earning assets | $17,163,000 | 6,896 |
| Average equity | $1,573,500 | 6,943 |
| Average total loans | $12,244,500 | 6,687 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 5,882 |
| Cost of funding earning assets | 0.6043% | 4,309 |
| Net interest margin | 3.1739% | 5,635 |
| Noninterest income to average assets | 0.3744% | 4,802 |
| Noninterest expense to average assets | 2.1348% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2522% | 1,444 |
| Return on assets (ROA) | 1.2853% | 1,497 |
| Pretax return on assets | 1.2965% | 2,417 |
| Return on Equity (ROE) | 14.8120% | 844 |
| Retained earnings to average equity (ytd only) | 2.2540% | 4,653 |
| Net charge-offs to loans | 0.0478% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 45.2000% | 727 |
| Efficiency ratio | 62.8289% | 5,110 |
| Assets per employee ($millions) | 3.5922% | 4,800 |
| Cash dividends to net income (ytd only)* | 84.7826% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,445 |
| Loan loss allowance to noncurrent loans | 69.6517% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 3,363 |
| Noncurrent loans to loans | 1.6214% | 3,197 |
| Net loans and leases to total assets | 68.2423% | 2,143 |
| Net loans and leases to deposits | 74.6786% | 2,997 |
| Net loans and leases to core deposits | 74.6786% | 3,697 |
| Total domestic deposits to total assets | 91.3813% | 372 |
| Equity capital to assets | 8.5519% | 6,009 |
| Core capital (leverage) ratio | 8.5786% | 5,491 |
| Tier 1 risk-based capital ratio | 13.0059% | 5,103 |
| Total risk-based capital ratio | 14.1914% | 5,093 |
| Memoranda: | ||
| Average total assets | $17,894,000 | 6,989 |
| Average earning assets | $17,045,200 | 6,956 |
| Average equity | $1,552,800 | 7,022 |
| Average total loans | $10,464,800 | 6,830 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6389% | 6,334 |
| Cost of funding earning assets | 0.6209% | 4,445 |
| Net interest margin | 3.0180% | 6,133 |
| Noninterest income to average assets | 0.3729% | 4,846 |
| Noninterest expense to average assets | 2.0510% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1709% | 1,828 |
| Return on assets (ROA) | 1.1709% | 2,022 |
| Pretax return on assets | 1.1859% | 3,037 |
| Return on Equity (ROE) | 13.4444% | 1,238 |
| Retained earnings to average equity (ytd only) | 9.5909% | 1,031 |
| Net charge-offs to loans | 0.0668% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 31.7826% | 1,051 |
| Efficiency ratio | 63.3641% | 4,910 |
| Assets per employee ($millions) | 3.4696% | 5,039 |
| Cash dividends to net income (ytd only)* | 28.6629% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 4,959 |
| Loan loss allowance to noncurrent loans | 40.5797% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 2.2250% | 2,401 |
| Noncurrent loans to loans | 3.1250% | 1,777 |
| Net loans and leases to total assets | 62.8315% | 3,234 |
| Net loans and leases to deposits | 69.3120% | 3,985 |
| Net loans and leases to core deposits | 69.3120% | 4,580 |
| Total domestic deposits to total assets | 90.6502% | 539 |
| Equity capital to assets | 9.2864% | 5,486 |
| Core capital (leverage) ratio | 9.1977% | 4,771 |
| Tier 1 risk-based capital ratio | 14.9698% | 3,869 |
| Total risk-based capital ratio | 16.2227% | 3,818 |
| Memoranda: | ||
| Average total assets | $17,877,250 | 7,085 |
| Average earning assets | $16,964,500 | 7,053 |
| Average equity | $1,557,000 | 7,114 |
| Average total loans | $9,981,750 | 6,940 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 6,616 |
| Cost of funding earning assets | 0.6283% | 4,648 |
| Net interest margin | 2.8622% | 6,475 |
| Noninterest income to average assets | 0.3877% | 4,744 |
| Noninterest expense to average assets | 2.0273% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0635% | 2,190 |
| Return on assets (ROA) | 1.0635% | 2,418 |
| Pretax return on assets | 1.0857% | 3,353 |
| Return on Equity (ROE) | 12.4756% | 1,512 |
| Retained earnings to average equity (ytd only) | 9.8765% | 1,005 |
| Net charge-offs to loans | 0.1039% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,430 |
| Efficiency ratio | 65.1246% | 4,701 |
| Assets per employee ($millions) | 3.5236% | 4,936 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,363 |
| Loan loss allowance to noncurrent loans | 40.8163% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 2.1682% | 2,584 |
| Noncurrent loans to loans | 3.4936% | 1,643 |
| Net loans and leases to total assets | 54.9325% | 4,641 |
| Net loans and leases to deposits | 60.3743% | 5,211 |
| Net loans and leases to core deposits | 60.3743% | 5,556 |
| Total domestic deposits to total assets | 90.9865% | 450 |
| Equity capital to assets | 8.9511% | 5,758 |
| Core capital (leverage) ratio | 8.7826% | 5,248 |
| Tier 1 risk-based capital ratio | 16.1313% | 3,105 |
| Total risk-based capital ratio | 17.3793% | 3,069 |
| Memoranda: | ||
| Average total assets | $18,053,670 | 7,142 |
| Average earning assets | $17,189,670 | 7,107 |
| Average equity | $1,539,000 | 7,174 |
| Average total loans | $9,629,000 | 7,012 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 6,760 |
| Cost of funding earning assets | 0.6432% | 4,795 |
| Net interest margin | 2.8025% | 6,636 |
| Noninterest income to average assets | 0.3722% | 4,883 |
| Noninterest expense to average assets | 2.1673% | 6,119 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8319% | 3,240 |
| Return on assets (ROA) | 0.8319% | 3,471 |
| Pretax return on assets | 0.8757% | 4,129 |
| Return on Equity (ROE) | 10.0000% | 2,406 |
| Retained earnings to average equity (ytd only) | 10.0000% | 1,269 |
| Net charge-offs to loans | -0.0420% | 6,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2230% | 3,584 |
| Assets per employee ($millions) | 3.6954% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,928 |
| Loan loss allowance to noncurrent loans | 73.7374% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4559% | 3,685 |
| Noncurrent loans to loans | 2.1062% | 3,023 |
| Net loans and leases to total assets | 50.0893% | 5,291 |
| Net loans and leases to deposits | 54.6792% | 5,733 |
| Net loans and leases to core deposits | 54.6792% | 6,006 |
| Total domestic deposits to total assets | 91.6058% | 346 |
| Equity capital to assets | 8.3293% | 6,246 |
| Core capital (leverage) ratio | 8.4232% | 5,710 |
| Tier 1 risk-based capital ratio | 15.3486% | 3,527 |
| Total risk-based capital ratio | 16.6052% | 3,485 |
| Memoranda: | ||
| Average total assets | $18,271,500 | 7,198 |
| Average earning assets | $17,413,000 | 7,163 |
| Average equity | $1,520,000 | 7,233 |
| Average total loans | $9,534,500 | 7,083 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 6,802 |
| Cost of funding earning assets | 0.8158% | 4,739 |
| Net interest margin | 2.9226% | 6,654 |
| Noninterest income to average assets | 0.4402% | 4,303 |
| Noninterest expense to average assets | 2.1899% | 6,292 |
| Loan and lease loss provision to assets | 0.2563% | 3,642 |
| Net operating income to assets | 0.7578% | 3,226 |
| Return on assets (ROA) | 0.7578% | 3,388 |
| Pretax return on assets | 0.7690% | 4,087 |
| Return on Equity (ROE) | 8.8231% | 2,535 |
| Retained earnings to average equity (ytd only) | 0.0649% | 5,805 |
| Net charge-offs to loans | 0.2199% | 4,411 |
| Credit loss provision to net charge-offs | 219.0476% | 1,108 |
| Earnings coverage of net charge-offs (x) | 8.7619% | 2,100 |
| Efficiency ratio | 68.1109% | 4,336 |
| Assets per employee ($millions) | 3.6132% | 4,737 |
| Cash dividends to net income (ytd only)* | 99.2647% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 4,031 |
| Loan loss allowance to noncurrent loans | 112.4031% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.1071% | 4,398 |
| Noncurrent loans to loans | 1.3343% | 4,144 |
| Net loans and leases to total assets | 52.7123% | 5,203 |
| Net loans and leases to deposits | 57.5373% | 5,750 |
| Net loans and leases to core deposits | 57.5373% | 6,040 |
| Total domestic deposits to total assets | 91.6141% | 304 |
| Equity capital to assets | 8.3084% | 6,344 |
| Core capital (leverage) ratio | 8.1505% | 6,072 |
| Tier 1 risk-based capital ratio | 14.7042% | 3,829 |
| Total risk-based capital ratio | 15.9581% | 3,803 |
| Memoranda: | ||
| Average total assets | $17,946,400 | 7,245 |
| Average earning assets | $17,039,400 | 7,206 |
| Average equity | $1,541,400 | 7,286 |
| Average total loans | $9,549,000 | 7,128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7307% | 6,906 |
| Cost of funding earning assets | 0.8507% | 4,769 |
| Net interest margin | 2.8800% | 6,782 |
| Noninterest income to average assets | 0.4390% | 4,369 |
| Noninterest expense to average assets | 2.1581% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0121% | 2,279 |
| Return on assets (ROA) | 1.0121% | 2,431 |
| Pretax return on assets | 1.0270% | 3,304 |
| Return on Equity (ROE) | 11.6874% | 1,624 |
| Retained earnings to average equity (ytd only) | 8.2501% | 1,410 |
| Net charge-offs to loans | -0.0140% | 6,835 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7570% | 4,361 |
| Assets per employee ($millions) | 3.6616% | 4,610 |
| Cash dividends to net income (ytd only)* | 29.4105% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 5,163 |
| Loan loss allowance to noncurrent loans | 47.4510% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 3,674 |
| Noncurrent loans to loans | 2.6699% | 2,612 |
| Net loans and leases to total assets | 51.5075% | 5,509 |
| Net loans and leases to deposits | 56.4806% | 5,985 |
| Net loans and leases to core deposits | 56.4806% | 6,277 |
| Total domestic deposits to total assets | 91.1951% | 380 |
| Equity capital to assets | 8.7284% | 6,051 |
| Core capital (leverage) ratio | 8.7268% | 5,367 |
| Tier 1 risk-based capital ratio | 15.8009% | 3,219 |
| Total risk-based capital ratio | 16.9981% | 3,218 |
| Memoranda: | ||
| Average total assets | $17,916,500 | 7,320 |
| Average earning assets | $17,083,000 | 7,276 |
| Average equity | $1,551,500 | 7,355 |
| Average total loans | $9,519,250 | 7,199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 6,974 |
| Cost of funding earning assets | 0.9096% | 4,589 |
| Net interest margin | 2.8350% | 6,881 |
| Noninterest income to average assets | 0.4161% | 4,546 |
| Noninterest expense to average assets | 2.1702% | 6,455 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9333% | 2,504 |
| Return on assets (ROA) | 0.9333% | 2,608 |
| Pretax return on assets | 0.9446% | 3,457 |
| Return on Equity (ROE) | 10.8073% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.2031% | 1,382 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6751% | 4,174 |
| Assets per employee ($millions) | 3.6286% | 4,618 |
| Cash dividends to net income (ytd only)* | 24.0964% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,426 |
| Loan loss allowance to noncurrent loans | 45.8015% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6590% | 3,694 |
| Noncurrent loans to loans | 2.6809% | 2,714 |
| Net loans and leases to total assets | 53.2051% | 5,400 |
| Net loans and leases to deposits | 58.2805% | 5,909 |
| Net loans and leases to core deposits | 58.2805% | 6,253 |
| Total domestic deposits to total assets | 91.2914% | 398 |
| Equity capital to assets | 8.6314% | 6,026 |
| Core capital (leverage) ratio | 8.7885% | 5,067 |
| Tier 1 risk-based capital ratio | 15.1653% | 3,417 |
| Total risk-based capital ratio | 16.3289% | 3,423 |
| Memoranda: | ||
| Average total assets | $17,786,000 | 7,392 |
| Average earning assets | $16,931,330 | 7,356 |
| Average equity | $1,536,000 | 7,428 |
| Average total loans | $9,508,670 | 7,271 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 6,967 |
| Cost of funding earning assets | 1.0062% | 4,162 |
| Net interest margin | 2.7791% | 6,938 |
| Noninterest income to average assets | 0.2953% | 5,554 |
| Noninterest expense to average assets | 2.1582% | 6,517 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7497% | 3,273 |
| Return on assets (ROA) | 0.7497% | 3,339 |
| Pretax return on assets | 0.7724% | 4,009 |
| Return on Equity (ROE) | 8.6785% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.6785% | 1,500 |
| Net charge-offs to loans | -0.0427% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6434% | 3,581 |
| Assets per employee ($millions) | 3.5086% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 5,100 |
| Loan loss allowance to noncurrent loans | 40.0662% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7215% | 3,671 |
| Noncurrent loans to loans | 3.2599% | 2,306 |
| Net loans and leases to total assets | 52.1177% | 5,569 |
| Net loans and leases to deposits | 57.1759% | 6,005 |
| Net loans and leases to core deposits | 57.1759% | 6,330 |
| Total domestic deposits to total assets | 91.1532% | 552 |
| Equity capital to assets | 8.7613% | 5,558 |
| Core capital (leverage) ratio | 8.4588% | 5,530 |
| Tier 1 risk-based capital ratio | 15.8063% | 2,995 |
| Total risk-based capital ratio | 17.0531% | 2,958 |
| Memoranda: | ||
| Average total assets | $17,607,500 | 7,452 |
| Average earning assets | $16,696,000 | 7,416 |
| Average equity | $1,521,000 | 7,488 |
| Average total loans | $9,376,500 | 7,333 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 6,786 |
| Cost of funding earning assets | 1.2572% | 4,164 |
| Net interest margin | 3.0468% | 6,645 |
| Noninterest income to average assets | 0.4498% | 4,515 |
| Noninterest expense to average assets | 2.2975% | 6,365 |
| Loan and lease loss provision to assets | 0.2370% | 4,913 |
| Net operating income to assets | 0.7962% | 2,821 |
| Return on assets (ROA) | 0.7962% | 2,959 |
| Pretax return on assets | 0.8023% | 3,625 |
| Return on Equity (ROE) | 8.4768% | 2,507 |
| Retained earnings to average equity (ytd only) | 0.2588% | 5,451 |
| Net charge-offs to loans | 0.3988% | 4,047 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 4.3846% | 2,946 |
| Efficiency ratio | 68.8525% | 4,393 |
| Assets per employee ($millions) | 2.9453% | 6,222 |
| Cash dividends to net income (ytd only)* | 96.9466% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 5,183 |
| Loan loss allowance to noncurrent loans | 40.6780% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 3,798 |
| Noncurrent loans to loans | 3.1089% | 2,455 |
| Net loans and leases to total assets | 53.0161% | 5,781 |
| Net loans and leases to deposits | 58.0196% | 6,253 |
| Net loans and leases to core deposits | 58.0196% | 6,561 |
| Total domestic deposits to total assets | 91.3762% | 434 |
| Equity capital to assets | 8.5163% | 5,836 |
| Core capital (leverage) ratio | 8.5664% | 5,248 |
| Tier 1 risk-based capital ratio | 15.0612% | 3,204 |
| Total risk-based capital ratio | 16.2653% | 3,196 |
| Memoranda: | ||
| Average total assets | $16,453,000 | 7,543 |
| Average earning assets | $15,590,200 | 7,508 |
| Average equity | $1,545,400 | 7,581 |
| Average total loans | $9,780,000 | 7,404 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 6,743 |
| Cost of funding earning assets | 1.2895% | 4,296 |
| Net interest margin | 3.1539% | 6,472 |
| Noninterest income to average assets | 0.4954% | 4,224 |
| Noninterest expense to average assets | 2.3118% | 6,285 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1559% | 1,719 |
| Return on assets (ROA) | 1.1559% | 1,814 |
| Pretax return on assets | 1.1724% | 2,593 |
| Return on Equity (ROE) | 12.0000% | 1,501 |
| Retained earnings to average equity (ytd only) | 6.4288% | 2,124 |
| Net charge-offs to loans | -0.0541% | 7,481 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3507% | 4,783 |
| Assets per employee ($millions) | 2.7723% | 6,645 |
| Cash dividends to net income (ytd only)* | 46.4267% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 5,366 |
| Loan loss allowance to noncurrent loans | 56.8807% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 4,529 |
| Noncurrent loans to loans | 2.1548% | 3,504 |
| Net loans and leases to total assets | 60.0757% | 4,900 |
| Net loans and leases to deposits | 66.4561% | 5,614 |
| Net loans and leases to core deposits | 66.4561% | 6,088 |
| Total domestic deposits to total assets | 90.3992% | 678 |
| Equity capital to assets | 9.4806% | 4,877 |
| Core capital (leverage) ratio | 9.7013% | 3,620 |
| Tier 1 risk-based capital ratio | 15.5520% | 2,970 |
| Total risk-based capital ratio | 16.7788% | 2,950 |
| Memoranda: | ||
| Average total assets | $16,148,250 | 7,644 |
| Average earning assets | $15,303,250 | 7,613 |
| Average equity | $1,555,500 | 7,679 |
| Average total loans | $9,852,750 | 7,496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 6,675 |
| Cost of funding earning assets | 1.3201% | 4,412 |
| Net interest margin | 3.1946% | 6,334 |
| Noninterest income to average assets | 0.4879% | 4,211 |
| Noninterest expense to average assets | 2.1643% | 6,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3386% | 1,219 |
| Return on assets (ROA) | 1.3386% | 1,292 |
| Pretax return on assets | 1.3512% | 1,948 |
| Return on Equity (ROE) | 13.8213% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.6879% | 919 |
| Net charge-offs to loans | -0.2048% | 7,647 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5658% | 5,759 |
| Assets per employee ($millions) | 2.7010% | 6,780 |
| Cash dividends to net income (ytd only)* | 29.9065% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,485 |
| Loan loss allowance to noncurrent loans | 45.6140% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 1.7586% | 3,820 |
| Noncurrent loans to loans | 3.0416% | 2,649 |
| Net loans and leases to total assets | 57.0159% | 5,562 |
| Net loans and leases to deposits | 63.2617% | 6,112 |
| Net loans and leases to core deposits | 63.2617% | 6,463 |
| Total domestic deposits to total assets | 90.1271% | 852 |
| Equity capital to assets | 9.7433% | 4,348 |
| Core capital (leverage) ratio | 9.6756% | 3,573 |
| Tier 1 risk-based capital ratio | 16.4452% | 2,494 |
| Total risk-based capital ratio | 17.7006% | 2,440 |
| Memoranda: | ||
| Average total assets | $15,986,330 | 7,711 |
| Average earning assets | $15,150,670 | 7,681 |
| Average equity | $1,548,330 | 7,745 |
| Average total loans | $9,764,670 | 7,563 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 6,453 |
| Cost of funding earning assets | 1.3316% | 4,615 |
| Net interest margin | 3.3025% | 5,965 |
| Noninterest income to average assets | 0.5291% | 3,821 |
| Noninterest expense to average assets | 2.2675% | 6,487 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3605% | 1,163 |
| Return on assets (ROA) | 1.3605% | 1,232 |
| Pretax return on assets | 1.3857% | 1,815 |
| Return on Equity (ROE) | 14.0900% | 1,039 |
| Retained earnings to average equity (ytd only) | 14.0900% | 499 |
| Net charge-offs to loans | 0.0402% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 529 |
| Efficiency ratio | 62.0690% | 5,819 |
| Assets per employee ($millions) | 2.6787% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 5,231 |
| Loan loss allowance to noncurrent loans | 58.9109% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2568% | 4,659 |
| Noncurrent loans to loans | 2.1174% | 3,629 |
| Net loans and leases to total assets | 58.6175% | 5,332 |
| Net loans and leases to deposits | 65.0128% | 5,943 |
| Net loans and leases to core deposits | 65.0128% | 6,375 |
| Total domestic deposits to total assets | 90.1630% | 908 |
| Equity capital to assets | 9.7063% | 4,222 |
| Core capital (leverage) ratio | 9.6162% | 3,623 |
| Tier 1 risk-based capital ratio | 16.0709% | 2,626 |
| Total risk-based capital ratio | 17.3039% | 2,588 |
| Memoranda: | ||
| Average total assets | $15,876,500 | 7,815 |
| Average earning assets | $15,019,000 | 7,783 |
| Average equity | $1,533,000 | 7,832 |
| Average total loans | $9,962,000 | 7,653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1095% | 6,051 |
| Cost of funding earning assets | 1.5601% | 5,225 |
| Net interest margin | 3.5494% | 4,749 |
| Noninterest income to average assets | 0.5276% | 4,198 |
| Noninterest expense to average assets | 2.4513% | 6,301 |
| Loan and lease loss provision to assets | 0.4568% | 4,086 |
| Net operating income to assets | 0.9522% | 2,000 |
| Return on assets (ROA) | 0.9522% | 2,053 |
| Pretax return on assets | 0.9715% | 2,683 |
| Return on Equity (ROE) | 9.5214% | 1,848 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.7341% | 2,989 |
| Credit loss provision to net charge-offs | 98.6111% | 5,650 |
| Earnings coverage of net charge-offs (x) | 3.0833% | 3,525 |
| Efficiency ratio | 63.1841% | 5,932 |
| Assets per employee ($millions) | 2.6135% | 7,018 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 5,610 |
| Loan loss allowance to noncurrent loans | 64.1711% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 4,719 |
| Noncurrent loans to loans | 1.8008% | 3,927 |
| Net loans and leases to total assets | 65.4550% | 4,286 |
| Net loans and leases to deposits | 72.5269% | 5,256 |
| Net loans and leases to core deposits | 74.9471% | 6,471 |
| Total domestic deposits to total assets | 90.2493% | 857 |
| Equity capital to assets | 9.6040% | 4,266 |
| Core capital (leverage) ratio | 9.5036% | 3,715 |
| Tier 1 risk-based capital ratio | 14.7082% | 3,094 |
| Total risk-based capital ratio | 15.8872% | 3,090 |
| Memoranda: | ||
| Average total assets | $15,542,800 | 7,884 |
| Average earning assets | $14,678,400 | 7,854 |
| Average equity | $1,554,400 | 7,919 |
| Average total loans | $9,808,400 | 7,715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 5,988 |
| Cost of funding earning assets | 1.5944% | 5,427 |
| Net interest margin | 3.5806% | 4,555 |
| Noninterest income to average assets | 0.5244% | 4,286 |
| Noninterest expense to average assets | 2.3814% | 6,470 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4959% | 823 |
| Return on assets (ROA) | 1.4959% | 880 |
| Pretax return on assets | 1.5217% | 1,353 |
| Return on Equity (ROE) | 14.8094% | 799 |
| Retained earnings to average equity (ytd only) | 9.2774% | 772 |
| Net charge-offs to loans | -0.0138% | 7,720 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0132% | 6,273 |
| Assets per employee ($millions) | 2.5688% | 7,113 |
| Cash dividends to net income (ytd only)* | 37.3551% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,899 |
| Loan loss allowance to noncurrent loans | 45.3532% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 1.7453% | 3,741 |
| Noncurrent loans to loans | 2.7354% | 2,773 |
| Net loans and leases to total assets | 63.0117% | 5,062 |
| Net loans and leases to deposits | 70.5097% | 5,843 |
| Net loans and leases to core deposits | 72.9184% | 6,785 |
| Total domestic deposits to total assets | 89.3661% | 1,031 |
| Equity capital to assets | 10.4717% | 3,546 |
| Core capital (leverage) ratio | 10.1924% | 3,072 |
| Tier 1 risk-based capital ratio | 16.5242% | 2,419 |
| Total risk-based capital ratio | 17.7700% | 2,373 |
| Memoranda: | ||
| Average total assets | $15,508,250 | 7,966 |
| Average earning assets | $14,634,000 | 7,935 |
| Average equity | $1,566,500 | 7,998 |
| Average total loans | $9,664,500 | 7,795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 6,112 |
| Cost of funding earning assets | 1.6392% | 5,562 |
| Net interest margin | 3.5515% | 4,563 |
| Noninterest income to average assets | 0.5534% | 4,010 |
| Noninterest expense to average assets | 2.3295% | 6,676 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5444% | 760 |
| Return on assets (ROA) | 1.5444% | 817 |
| Pretax return on assets | 1.5701% | 1,279 |
| Return on Equity (ROE) | 15.4772% | 759 |
| Retained earnings to average equity (ytd only) | 11.2210% | 533 |
| Net charge-offs to loans | -0.0208% | 7,705 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7360% | 6,590 |
| Assets per employee ($millions) | 2.6268% | 7,001 |
| Cash dividends to net income (ytd only)* | 27.5000% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 4,341 |
| Loan loss allowance to noncurrent loans | 65.5914% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 4,578 |
| Noncurrent loans to loans | 1.9631% | 3,575 |
| Net loans and leases to total assets | 59.3427% | 5,786 |
| Net loans and leases to deposits | 66.1223% | 6,380 |
| Net loans and leases to core deposits | 67.7312% | 7,132 |
| Total domestic deposits to total assets | 89.7468% | 938 |
| Equity capital to assets | 10.1009% | 3,813 |
| Core capital (leverage) ratio | 10.0019% | 3,299 |
| Tier 1 risk-based capital ratio | 16.5552% | 2,429 |
| Total risk-based capital ratio | 17.8094% | 2,375 |
| Memoranda: | ||
| Average total assets | $15,540,000 | 8,055 |
| Average earning assets | $14,641,670 | 8,018 |
| Average equity | $1,550,670 | 8,086 |
| Average total loans | $9,608,000 | 7,879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 5,567 |
| Cost of funding earning assets | 1.7534% | 5,343 |
| Net interest margin | 3.6181% | 4,247 |
| Noninterest income to average assets | 0.3629% | 5,534 |
| Noninterest expense to average assets | 2.3073% | 6,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3740% | 1,199 |
| Return on assets (ROA) | 1.3740% | 1,291 |
| Pretax return on assets | 1.4258% | 1,894 |
| Return on Equity (ROE) | 13.8562% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.8562% | 527 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8056% | 6,093 |
| Assets per employee ($millions) | 2.6177% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,106 |
| Loan loss allowance to noncurrent loans | 26.6520% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 2.8906% | 1,969 |
| Noncurrent loans to loans | 4.8608% | 1,126 |
| Net loans and leases to total assets | 58.6973% | 5,844 |
| Net loans and leases to deposits | 65.2719% | 6,442 |
| Net loans and leases to core deposits | 66.3763% | 7,224 |
| Total domestic deposits to total assets | 89.9274% | 832 |
| Equity capital to assets | 9.9198% | 4,086 |
| Core capital (leverage) ratio | 9.7786% | 3,658 |
| Tier 1 risk-based capital ratio | 16.1240% | 2,645 |
| Total risk-based capital ratio | 17.3723% | 2,586 |
| Memoranda: | ||
| Average total assets | $15,429,500 | 8,105 |
| Average earning assets | $14,372,000 | 8,077 |
| Average equity | $1,530,000 | 8,148 |
| Average total loans | $9,674,500 | 7,925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1086% | 4,995 |
| Cost of funding earning assets | 2.3053% | 5,123 |
| Net interest margin | 3.8033% | 4,000 |
| Noninterest income to average assets | 0.5857% | 3,968 |
| Noninterest expense to average assets | 2.3837% | 6,454 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7367% | 625 |
| Return on assets (ROA) | 1.7367% | 597 |
| Pretax return on assets | 1.7639% | 1,013 |
| Return on Equity (ROE) | 16.3462% | 721 |
| Retained earnings to average equity (ytd only) | 0.3205% | 5,047 |
| Net charge-offs to loans | -0.0107% | 7,862 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4713% | 6,785 |
| Assets per employee ($millions) | 2.5255% | 7,161 |
| Cash dividends to net income (ytd only)* | 98.0392% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,463 |
| Loan loss allowance to noncurrent loans | 107.0796% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 4,985 |
| Noncurrent loans to loans | 1.1290% | 4,288 |
| Net loans and leases to total assets | 65.2544% | 4,999 |
| Net loans and leases to deposits | 72.6044% | 5,993 |
| Net loans and leases to core deposits | 73.8737% | 6,975 |
| Total domestic deposits to total assets | 89.8766% | 703 |
| Equity capital to assets | 9.9122% | 4,145 |
| Core capital (leverage) ratio | 9.7875% | 3,665 |
| Tier 1 risk-based capital ratio | 14.7314% | 3,186 |
| Total risk-based capital ratio | 15.9221% | 3,138 |
| Memoranda: | ||
| Average total assets | $14,683,200 | 8,171 |
| Average earning assets | $13,751,200 | 8,147 |
| Average equity | $1,560,000 | 8,204 |
| Average total loans | $9,381,200 | 7,965 |