Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants 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 | 7.0662% | 306 |
| Cost of funding earning assets | 0.4255% | 4,310 |
| Net interest margin | 6.6408% | 52 |
| Noninterest income to average assets | 0.7800% | 850 |
| Noninterest expense to average assets | 4.6943% | 270 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 2.1826% | 337 |
| Return on assets (ROA) | 2.1826% | 343 |
| Pretax return on assets | 2.1826% | 512 |
| Return on Equity (ROE) | 25.4200% | 185 |
| Retained earnings to average equity (ytd only) | 25.4224% | 69 |
| Net charge-offs to loans | 0.2130% | 516 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,447 |
| Efficiency ratio | 67.0792% | 2,132 |
| Assets per employee ($millions) | 3.3770% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1822% | 139 |
| Loan loss allowance to noncurrent loans | 546.6667% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 2,026 |
| Noncurrent loans to loans | 0.5821% | 1,690 |
| Net loans and leases to total assets | 52.7700% | 3,421 |
| Net loans and leases to deposits | 57.7848% | 3,574 |
| Net loans and leases to core deposits | 59.0066% | 3,724 |
| Total domestic deposits to total assets | 91.3200% | 440 |
| Equity capital to assets | 8.6425% | 3,199 |
| Core capital (leverage) ratio | 8.9256% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1318% | 1,233 |
| Memoranda: | ||
| Average total assets | $23,092,000 | 4,381 |
| Average earning assets | $21,624,000 | 4,350 |
| Average equity | $1,982,500 | 4,398 |
| Average total loans | $13,142,500 | 4,276 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8271% | 185 |
| Cost of funding earning assets | 0.3708% | 4,340 |
| Net interest margin | 7.4563% | 32 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 4.2588% | 328 |
| Loan and lease loss provision to assets | 1.5200% | 43 |
| Net operating income to assets | 1.5587% | 826 |
| Return on assets (ROA) | 1.5587% | 818 |
| Pretax return on assets | 1.5587% | 1,179 |
| Return on Equity (ROE) | 19.1800% | 457 |
| Retained earnings to average equity (ytd only) | -0.8387% | 4,078 |
| Net charge-offs to loans | 0.3219% | 458 |
| Credit loss provision to net charge-offs | 778.2609% | 460 |
| Earnings coverage of net charge-offs (x) | 15.7391% | 2,007 |
| Efficiency ratio | 58.0046% | 3,362 |
| Assets per employee ($millions) | 3.2207% | 4,264 |
| Cash dividends to net income (ytd only)* | 104.3716% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0595% | 140 |
| Loan loss allowance to noncurrent loans | 611.9403% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 2,052 |
| Noncurrent loans to loans | 0.5000% | 1,834 |
| Net loans and leases to total assets | 57.6200% | 3,138 |
| Net loans and leases to deposits | 63.0417% | 3,389 |
| Net loans and leases to core deposits | 64.4555% | 3,588 |
| Total domestic deposits to total assets | 91.4000% | 423 |
| Equity capital to assets | 8.5252% | 3,178 |
| Core capital (leverage) ratio | 8.3821% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4863% | 1,682 |
| Memoranda: | ||
| Average total assets | $23,481,000 | 4,403 |
| Average earning assets | $21,847,200 | 4,373 |
| Average equity | $1,907,800 | 4,424 |
| Average total loans | $14,291,800 | 4,282 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8611% | 185 |
| Cost of funding earning assets | 0.3336% | 4,389 |
| Net interest margin | 7.5275% | 32 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 4.1323% | 343 |
| Loan and lease loss provision to assets | 2.0100% | 32 |
| Net operating income to assets | 1.2200% | 1,477 |
| Return on assets (ROA) | 1.2200% | 1,484 |
| Pretax return on assets | 1.2200% | 1,942 |
| Return on Equity (ROE) | 15.1900% | 923 |
| Retained earnings to average equity (ytd only) | -11.5528% | 4,446 |
| Net charge-offs to loans | 0.4226% | 320 |
| Credit loss provision to net charge-offs | 778.2609% | 475 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,030 |
| Efficiency ratio | 56.1069% | 3,543 |
| Assets per employee ($millions) | 3.3820% | 4,264 |
| Cash dividends to net income (ytd only)* | 176.0369% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9248% | 162 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 57.4800% | 3,144 |
| Net loans and leases to deposits | 62.1995% | 3,467 |
| Net loans and leases to core deposits | 63.5264% | 3,664 |
| Total domestic deposits to total assets | 92.4100% | 141 |
| Equity capital to assets | 7.5230% | 3,956 |
| Core capital (leverage) ratio | 7.5375% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6927% | 2,347 |
| Memoranda: | ||
| Average total assets | $23,715,000 | 4,430 |
| Average earning assets | $21,981,000 | 4,405 |
| Average equity | $1,904,250 | 4,456 |
| Average total loans | $14,514,500 | 4,306 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8276% | 185 |
| Cost of funding earning assets | 0.3007% | 4,405 |
| Net interest margin | 7.5269% | 33 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 4.4082% | 288 |
| Loan and lease loss provision to assets | 0.3000% | 330 |
| Net operating income to assets | 2.6550% | 207 |
| Return on assets (ROA) | 2.6550% | 207 |
| Pretax return on assets | 2.6550% | 279 |
| Return on Equity (ROE) | 32.3900% | 110 |
| Retained earnings to average equity (ytd only) | 0.5141% | 3,714 |
| Net charge-offs to loans | 0.6540% | 191 |
| Credit loss provision to net charge-offs | 75.0000% | 1,686 |
| Earnings coverage of net charge-offs (x) | 7.3125% | 2,113 |
| Efficiency ratio | 59.8398% | 3,222 |
| Assets per employee ($millions) | 3.3971% | 4,276 |
| Cash dividends to net income (ytd only)* | 98.4127% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5996% | 4,244 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.9600% | 2,960 |
| Net loans and leases to deposits | 65.3108% | 3,294 |
| Net loans and leases to core deposits | 66.7259% | 3,510 |
| Total domestic deposits to total assets | 91.8000% | 298 |
| Equity capital to assets | 8.1455% | 3,339 |
| Core capital (leverage) ratio | 8.0162% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7732% | 2,341 |
| Memoranda: | ||
| Average total assets | $23,728,667 | 4,452 |
| Average earning assets | $21,948,000 | 4,422 |
| Average equity | $1,945,333 | 4,465 |
| Average total loans | $14,680,000 | 4,322 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7923% | 186 |
| Cost of funding earning assets | 0.2750% | 4,433 |
| Net interest margin | 7.5172% | 36 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 4.0332% | 353 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.3245% | 138 |
| Return on assets (ROA) | 3.3245% | 137 |
| Pretax return on assets | 3.3245% | 171 |
| Return on Equity (ROE) | 40.4200% | 65 |
| Retained earnings to average equity (ytd only) | 5.5399% | 2,254 |
| Net charge-offs to loans | 0.8351% | 117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 6.3548% | 1,817 |
| Efficiency ratio | 54.8165% | 3,696 |
| Assets per employee ($millions) | 3.4789% | 4,282 |
| Cash dividends to net income (ytd only)* | 86.2944% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4549% | 4,341 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 60.2100% | 2,835 |
| Net loans and leases to deposits | 65.5197% | 3,199 |
| Net loans and leases to core deposits | 66.9192% | 3,482 |
| Total domestic deposits to total assets | 91.8900% | 351 |
| Equity capital to assets | 8.0609% | 3,327 |
| Core capital (leverage) ratio | 8.1187% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3383% | 2,474 |
| Memoranda: | ||
| Average total assets | $23,703,000 | 4,484 |
| Average earning assets | $21,816,500 | 4,452 |
| Average equity | $1,949,500 | 4,491 |
| Average total loans | $14,848,000 | 4,349 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9724% | 230 |
| Cost of funding earning assets | 0.1722% | 4,455 |
| Net interest margin | 6.8002% | 63 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 3.5625% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.3490% | 134 |
| Return on assets (ROA) | 3.3490% | 132 |
| Pretax return on assets | 3.3490% | 158 |
| Return on Equity (ROE) | 42.9300% | 77 |
| Retained earnings to average equity (ytd only) | 8.3718% | 1,433 |
| Net charge-offs to loans | -0.0288% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.5445% | 3,873 |
| Assets per employee ($millions) | 3.2934% | 4,328 |
| Cash dividends to net income (ytd only)* | 80.5000% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 4,179 |
| Loan loss allowance to noncurrent loans | 264.8649% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 2,463 |
| Noncurrent loans to loans | 0.2472% | 2,315 |
| Net loans and leases to total assets | 64.5000% | 2,419 |
| Net loans and leases to deposits | 70.4692% | 2,851 |
| Net loans and leases to core deposits | 72.0886% | 3,184 |
| Total domestic deposits to total assets | 91.5200% | 384 |
| Equity capital to assets | 8.3977% | 3,124 |
| Core capital (leverage) ratio | 8.2831% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3882% | 2,457 |
| Memoranda: | ||
| Average total assets | $23,887,400 | 4,507 |
| Average earning assets | $22,072,800 | 4,469 |
| Average equity | $1,863,400 | 4,495 |
| Average total loans | $13,885,200 | 4,368 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7028% | 249 |
| Cost of funding earning assets | 0.1553% | 4,472 |
| Net interest margin | 6.5475% | 72 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.2149% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.4694% | 136 |
| Return on assets (ROA) | 3.4694% | 135 |
| Pretax return on assets | 3.4694% | 164 |
| Return on Equity (ROE) | 45.3000% | 90 |
| Retained earnings to average equity (ytd only) | 10.6939% | 1,221 |
| Net charge-offs to loans | -0.0392% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.0960% | 4,036 |
| Assets per employee ($millions) | 3.3349% | 4,354 |
| Cash dividends to net income (ytd only)* | 76.3955% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 4,166 |
| Loan loss allowance to noncurrent loans | 264.8649% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,527 |
| Noncurrent loans to loans | 0.2575% | 2,315 |
| Net loans and leases to total assets | 61.1400% | 2,738 |
| Net loans and leases to deposits | 66.6869% | 3,075 |
| Net loans and leases to core deposits | 69.2394% | 3,250 |
| Total domestic deposits to total assets | 91.6900% | 520 |
| Equity capital to assets | 8.2377% | 2,892 |
| Core capital (leverage) ratio | 8.1164% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7076% | 2,386 |
| Memoranda: | ||
| Average total assets | $24,095,750 | 4,533 |
| Average earning assets | $22,318,500 | 4,497 |
| Average equity | $1,845,250 | 4,519 |
| Average total loans | $13,614,750 | 4,393 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4494% | 275 |
| Cost of funding earning assets | 0.1329% | 4,491 |
| Net interest margin | 6.3165% | 88 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.8752% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.5406% | 116 |
| Return on assets (ROA) | 3.5406% | 117 |
| Pretax return on assets | 3.5406% | 142 |
| Return on Equity (ROE) | 47.3800% | 71 |
| Retained earnings to average equity (ytd only) | 15.1704% | 546 |
| Net charge-offs to loans | -0.0599% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.8143% | 4,217 |
| Assets per employee ($millions) | 3.4031% | 4,365 |
| Cash dividends to net income (ytd only)* | 67.9814% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 4,187 |
| Loan loss allowance to noncurrent loans | 213.0435% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,229 |
| Noncurrent loans to loans | 0.3272% | 1,958 |
| Net loans and leases to total assets | 58.6100% | 2,908 |
| Net loans and leases to deposits | 63.7651% | 3,205 |
| Net loans and leases to core deposits | 66.1236% | 3,342 |
| Total domestic deposits to total assets | 91.9200% | 429 |
| Equity capital to assets | 8.0010% | 3,217 |
| Core capital (leverage) ratio | 8.0807% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0556% | 2,276 |
| Memoranda: | ||
| Average total assets | $24,346,333 | 4,557 |
| Average earning assets | $22,575,667 | 4,523 |
| Average equity | $1,819,333 | 4,551 |
| Average total loans | $13,362,667 | 4,420 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0994% | 277 |
| Cost of funding earning assets | 0.1052% | 4,526 |
| Net interest margin | 5.9942% | 102 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.6983% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.4460% | 122 |
| Return on assets (ROA) | 3.4460% | 122 |
| Pretax return on assets | 3.4460% | 148 |
| Return on Equity (ROE) | 47.7500% | 85 |
| Retained earnings to average equity (ytd only) | 4.9550% | 3,026 |
| Net charge-offs to loans | -0.4303% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.9153% | 4,305 |
| Assets per employee ($millions) | 3.5706% | 4,399 |
| Cash dividends to net income (ytd only)* | 89.6226% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,027 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.4600% | 3,386 |
| Net loans and leases to deposits | 55.4798% | 3,601 |
| Net loans and leases to core deposits | 57.4318% | 3,661 |
| Total domestic deposits to total assets | 92.7600% | 346 |
| Equity capital to assets | 7.1817% | 3,743 |
| Core capital (leverage) ratio | 7.3381% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9697% | 2,400 |
| Memoranda: | ||
| Average total assets | $24,608,500 | 4,611 |
| Average earning assets | $22,822,000 | 4,586 |
| Average equity | $1,776,000 | 4,621 |
| Average total loans | $13,014,000 | 4,481 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 737 |
| Cost of funding earning assets | 0.0724% | 4,502 |
| Net interest margin | 4.4187% | 339 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.9621% | 1,019 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 2.0611% | 264 |
| Return on assets (ROA) | 2.0611% | 256 |
| Pretax return on assets | 2.0611% | 411 |
| Return on Equity (ROE) | 31.5100% | 98 |
| Retained earnings to average equity (ytd only) | 12.1892% | 632 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.5039% | 3,264 |
| Assets per employee ($millions) | 3.4604% | 4,448 |
| Cash dividends to net income (ytd only)* | 61.3153% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 4,181 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,820 |
| Noncurrent loans to loans | 0.0153% | 3,731 |
| Net loans and leases to total assets | 53.5200% | 3,240 |
| Net loans and leases to deposits | 57.7365% | 3,475 |
| Net loans and leases to core deposits | 59.8587% | 3,514 |
| Total domestic deposits to total assets | 92.6900% | 468 |
| Equity capital to assets | 7.2534% | 3,519 |
| Core capital (leverage) ratio | 7.3685% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6903% | 2,489 |
| Memoranda: | ||
| Average total assets | $25,083,600 | 4,645 |
| Average earning assets | $23,468,200 | 4,612 |
| Average equity | $1,640,800 | 4,693 |
| Average total loans | $12,561,600 | 4,517 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 1,273 |
| Cost of funding earning assets | 0.0673% | 4,492 |
| Net interest margin | 3.9287% | 744 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.7036% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7128% | 514 |
| Return on assets (ROA) | 1.7128% | 502 |
| Pretax return on assets | 1.7128% | 877 |
| Return on Equity (ROE) | 26.8900% | 137 |
| Retained earnings to average equity (ytd only) | 11.0023% | 1,055 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.2172% | 2,940 |
| Assets per employee ($millions) | 3.9883% | 4,327 |
| Cash dividends to net income (ytd only)* | 59.0769% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 4,323 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,975 |
| Noncurrent loans to loans | 0.0078% | 3,892 |
| Net loans and leases to total assets | 53.1200% | 3,177 |
| Net loans and leases to deposits | 57.1769% | 3,395 |
| Net loans and leases to core deposits | 59.3002% | 3,433 |
| Total domestic deposits to total assets | 92.9000% | 608 |
| Equity capital to assets | 7.0455% | 3,489 |
| Core capital (leverage) ratio | 6.9474% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4584% | 2,668 |
| Memoranda: | ||
| Average total assets | $25,298,750 | 4,679 |
| Average earning assets | $23,756,000 | 4,643 |
| Average equity | $1,611,750 | 4,731 |
| Average total loans | $12,437,750 | 4,552 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6477% | 1,691 |
| Cost of funding earning assets | 0.0660% | 4,483 |
| Net interest margin | 3.5816% | 1,100 |
| Noninterest income to average assets | 0.5358% | 2,012 |
| Noninterest expense to average assets | 2.5704% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3357% | 1,060 |
| Return on assets (ROA) | 1.3357% | 1,039 |
| Pretax return on assets | 1.3357% | 1,627 |
| Return on Equity (ROE) | 21.6761% | 208 |
| Retained earnings to average equity (ytd only) | 5.0410% | 2,694 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8052% | 2,539 |
| Assets per employee ($millions) | 4.1468% | 4,291 |
| Cash dividends to net income (ytd only)* | 76.7442% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 4,398 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,017 |
| Noncurrent loans to loans | 0.0078% | 3,940 |
| Net loans and leases to total assets | 50.9103% | 3,277 |
| Net loans and leases to deposits | 54.4443% | 3,510 |
| Net loans and leases to core deposits | 56.3880% | 3,532 |
| Total domestic deposits to total assets | 93.5091% | 388 |
| Equity capital to assets | 6.4467% | 4,037 |
| Core capital (leverage) ratio | 6.2401% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6108% | 2,908 |
| Memoranda: | ||
| Average total assets | $25,755,000 | 4,710 |
| Average earning assets | $24,234,667 | 4,691 |
| Average equity | $1,587,000 | 4,756 |
| Average total loans | $12,318,667 | 4,621 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4208% | 2,029 |
| Cost of funding earning assets | 0.0814% | 4,343 |
| Net interest margin | 3.3393% | 1,474 |
| Noninterest income to average assets | 0.5192% | 2,046 |
| Noninterest expense to average assets | 2.5504% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0996% | 1,530 |
| Return on assets (ROA) | 1.0996% | 1,522 |
| Pretax return on assets | 1.0996% | 2,144 |
| Return on Equity (ROE) | 18.2452% | 318 |
| Retained earnings to average equity (ytd only) | 0.5068% | 3,918 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8745% | 2,249 |
| Assets per employee ($millions) | 4.4818% | 4,146 |
| Cash dividends to net income (ytd only)* | 97.2222% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 4,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.4498% | 3,710 |
| Net loans and leases to deposits | 47.2451% | 3,915 |
| Net loans and leases to core deposits | 48.8037% | 3,940 |
| Total domestic deposits to total assets | 94.0835% | 108 |
| Equity capital to assets | 5.8681% | 4,608 |
| Core capital (leverage) ratio | 5.9056% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3843% | 2,998 |
| Memoranda: | ||
| Average total assets | $26,192,000 | 4,736 |
| Average earning assets | $24,556,000 | 4,710 |
| Average equity | $1,578,500 | 4,783 |
| Average total loans | $12,102,500 | 4,654 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 1,007 |
| Cost of funding earning assets | 0.0851% | 4,496 |
| Net interest margin | 4.1060% | 588 |
| Noninterest income to average assets | 0.6086% | 2,115 |
| Noninterest expense to average assets | 2.9553% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4339% | 1,170 |
| Return on assets (ROA) | 1.4339% | 1,249 |
| Pretax return on assets | 1.4339% | 1,930 |
| Return on Equity (ROE) | 19.6935% | 326 |
| Retained earnings to average equity (ytd only) | -0.0633% | 4,504 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3319% | 2,075 |
| Assets per employee ($millions) | 4.2488% | 4,298 |
| Cash dividends to net income (ytd only)* | 100.3215% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6903% | 4,443 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,081 |
| Noncurrent loans to loans | 0.0164% | 3,965 |
| Net loans and leases to total assets | 47.4012% | 3,553 |
| Net loans and leases to deposits | 50.5607% | 3,849 |
| Net loans and leases to core deposits | 52.3434% | 3,869 |
| Total domestic deposits to total assets | 93.7512% | 17 |
| Equity capital to assets | 6.1939% | 4,807 |
| Core capital (leverage) ratio | 6.8898% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4127% | 2,999 |
| Memoranda: | ||
| Average total assets | $21,689,800 | 4,798 |
| Average earning assets | $19,970,600 | 4,782 |
| Average equity | $1,579,200 | 4,827 |
| Average total loans | $11,926,400 | 4,697 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 858 |
| Cost of funding earning assets | 0.0909% | 4,569 |
| Net interest margin | 4.2795% | 472 |
| Noninterest income to average assets | 0.6108% | 2,171 |
| Noninterest expense to average assets | 3.0602% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4851% | 1,308 |
| Return on assets (ROA) | 1.4851% | 1,358 |
| Pretax return on assets | 1.4851% | 2,036 |
| Return on Equity (ROE) | 19.5024% | 465 |
| Retained earnings to average equity (ytd only) | -0.9287% | 4,657 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3267% | 1,927 |
| Assets per employee ($millions) | 3.5470% | 4,629 |
| Cash dividends to net income (ytd only)* | 104.7619% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7205% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.3887% | 2,927 |
| Net loans and leases to deposits | 58.7504% | 3,341 |
| Net loans and leases to core deposits | 61.2985% | 3,382 |
| Total domestic deposits to total assets | 92.5759% | 65 |
| Equity capital to assets | 7.3771% | 4,737 |
| Core capital (leverage) ratio | 7.4457% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5028% | 2,863 |
| Memoranda: | ||
| Average total assets | $20,739,000 | 4,876 |
| Average earning assets | $19,067,250 | 4,861 |
| Average equity | $1,579,250 | 4,900 |
| Average total loans | $11,866,000 | 4,770 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 917 |
| Cost of funding earning assets | 0.0949% | 4,610 |
| Net interest margin | 4.2586% | 526 |
| Noninterest income to average assets | 0.5837% | 2,283 |
| Noninterest expense to average assets | 3.0061% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5079% | 1,268 |
| Return on assets (ROA) | 1.5079% | 1,334 |
| Pretax return on assets | 1.5079% | 1,990 |
| Return on Equity (ROE) | 19.5913% | 490 |
| Retained earnings to average equity (ytd only) | -1.5167% | 4,641 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5948% | 2,068 |
| Assets per employee ($millions) | 3.5045% | 4,668 |
| Cash dividends to net income (ytd only)* | 107.7419% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 55.4906% | 2,961 |
| Net loans and leases to deposits | 59.9835% | 3,391 |
| Net loans and leases to core deposits | 62.6403% | 3,408 |
| Total domestic deposits to total assets | 92.5096% | 66 |
| Equity capital to assets | 7.4856% | 4,744 |
| Core capital (leverage) ratio | 7.3084% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3221% | 2,897 |
| Memoranda: | ||
| Average total assets | $20,558,000 | 4,912 |
| Average earning assets | $18,973,333 | 4,897 |
| Average equity | $1,582,333 | 4,936 |
| Average total loans | $11,935,000 | 4,804 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 917 |
| Cost of funding earning assets | 0.1067% | 4,616 |
| Net interest margin | 4.2890% | 525 |
| Noninterest income to average assets | 0.6101% | 2,166 |
| Noninterest expense to average assets | 2.9916% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5745% | 1,171 |
| Return on assets (ROA) | 1.5745% | 1,229 |
| Pretax return on assets | 1.5745% | 1,789 |
| Return on Equity (ROE) | 20.1702% | 519 |
| Retained earnings to average equity (ytd only) | -1.7649% | 4,521 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5172% | 2,300 |
| Assets per employee ($millions) | 2.6028% | 4,871 |
| Cash dividends to net income (ytd only)* | 108.7500% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 56.9062% | 2,924 |
| Net loans and leases to deposits | 61.5916% | 3,363 |
| Net loans and leases to core deposits | 64.3688% | 3,378 |
| Total domestic deposits to total assets | 92.3927% | 83 |
| Equity capital to assets | 7.5977% | 4,679 |
| Core capital (leverage) ratio | 7.7282% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1932% | 2,891 |
| Memoranda: | ||
| Average total assets | $20,323,500 | 4,939 |
| Average earning assets | $18,745,500 | 4,924 |
| Average equity | $1,586,500 | 4,962 |
| Average total loans | $12,026,500 | 4,829 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 476 |
| Cost of funding earning assets | 0.1197% | 4,814 |
| Net interest margin | 4.8907% | 149 |
| Noninterest income to average assets | 0.8371% | 1,430 |
| Noninterest expense to average assets | 3.2333% | 998 |
| Loan and lease loss provision to assets | 0.0501% | 3,753 |
| Net operating income to assets | 2.0603% | 234 |
| Return on assets (ROA) | 2.0603% | 253 |
| Pretax return on assets | 2.0603% | 402 |
| Return on Equity (ROE) | 25.6779% | 101 |
| Retained earnings to average equity (ytd only) | 0.4998% | 4,369 |
| Net charge-offs to loans | 0.1865% | 911 |
| Credit loss provision to net charge-offs | 43.4783% | 3,174 |
| Earnings coverage of net charge-offs (x) | 18.3043% | 2,030 |
| Efficiency ratio | 60.5066% | 3,381 |
| Assets per employee ($millions) | 3.3042% | 4,718 |
| Cash dividends to net income (ytd only)* | 98.0535% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 4,599 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,333 |
| Noncurrent loans to loans | 0.0248% | 4,229 |
| Net loans and leases to total assets | 60.7112% | 2,769 |
| Net loans and leases to deposits | 66.0158% | 3,270 |
| Net loans and leases to core deposits | 69.1843% | 3,319 |
| Total domestic deposits to total assets | 91.9647% | 76 |
| Equity capital to assets | 8.0252% | 4,696 |
| Core capital (leverage) ratio | 7.8070% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2310% | 2,858 |
| Memoranda: | ||
| Average total assets | $19,948,800 | 4,955 |
| Average earning assets | $18,381,800 | 4,942 |
| Average equity | $1,600,600 | 4,981 |
| Average total loans | $12,332,200 | 4,856 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 482 |
| Cost of funding earning assets | 0.1231% | 4,871 |
| Net interest margin | 4.9949% | 143 |
| Noninterest income to average assets | 0.8742% | 1,298 |
| Noninterest expense to average assets | 3.2499% | 978 |
| Loan and lease loss provision to assets | 0.0651% | 3,525 |
| Net operating income to assets | 2.1621% | 218 |
| Return on assets (ROA) | 2.1621% | 233 |
| Pretax return on assets | 2.1621% | 366 |
| Return on Equity (ROE) | 26.9488% | 91 |
| Retained earnings to average equity (ytd only) | 1.6635% | 4,040 |
| Net charge-offs to loans | 0.0646% | 1,690 |
| Credit loss provision to net charge-offs | 166.6667% | 2,239 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 1,134 |
| Efficiency ratio | 59.3179% | 3,483 |
| Assets per employee ($millions) | 3.4250% | 4,692 |
| Cash dividends to net income (ytd only)* | 93.8272% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,334 |
| Loan loss allowance to noncurrent loans | 10,100.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,499 |
| Noncurrent loans to loans | 0.0081% | 4,416 |
| Net loans and leases to total assets | 59.9562% | 3,234 |
| Net loans and leases to deposits | 65.0459% | 3,697 |
| Net loans and leases to core deposits | 68.0681% | 3,754 |
| Total domestic deposits to total assets | 92.1752% | 43 |
| Equity capital to assets | 7.8102% | 4,777 |
| Core capital (leverage) ratio | 7.7920% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8777% | 2,942 |
| Memoranda: | ||
| Average total assets | $19,979,750 | 4,982 |
| Average earning assets | $18,418,250 | 4,969 |
| Average equity | $1,603,000 | 5,013 |
| Average total loans | $12,385,250 | 4,882 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 520 |
| Cost of funding earning assets | 0.1309% | 4,924 |
| Net interest margin | 5.1174% | 163 |
| Noninterest income to average assets | 0.9096% | 1,141 |
| Noninterest expense to average assets | 3.3149% | 969 |
| Loan and lease loss provision to assets | 0.1011% | 3,005 |
| Net operating income to assets | 2.2335% | 214 |
| Return on assets (ROA) | 2.2335% | 236 |
| Pretax return on assets | 2.2335% | 346 |
| Return on Equity (ROE) | 27.5848% | 83 |
| Retained earnings to average equity (ytd only) | 0.4993% | 4,213 |
| Net charge-offs to loans | 0.0970% | 1,300 |
| Credit loss provision to net charge-offs | 166.6667% | 2,046 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 1,276 |
| Efficiency ratio | 58.6762% | 3,597 |
| Assets per employee ($millions) | 3.4203% | 4,700 |
| Cash dividends to net income (ytd only)* | 98.1900% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 4,304 |
| Loan loss allowance to noncurrent loans | 10,100.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,571 |
| Noncurrent loans to loans | 0.0081% | 4,489 |
| Net loans and leases to total assets | 59.7700% | 3,356 |
| Net loans and leases to deposits | 64.7966% | 3,820 |
| Net loans and leases to core deposits | 67.8279% | 3,871 |
| Total domestic deposits to total assets | 92.2425% | 37 |
| Equity capital to assets | 7.7478% | 4,818 |
| Core capital (leverage) ratio | 7.6168% | 4,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9623% | 2,980 |
| Memoranda: | ||
| Average total assets | $19,789,667 | 5,014 |
| Average earning assets | $18,329,667 | 4,999 |
| Average equity | $1,602,333 | 5,047 |
| Average total loans | $12,373,000 | 4,914 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 315 |
| Cost of funding earning assets | 0.1557% | 4,959 |
| Net interest margin | 5.4260% | 99 |
| Noninterest income to average assets | 1.2562% | 553 |
| Noninterest expense to average assets | 3.3568% | 1,132 |
| Loan and lease loss provision to assets | 0.2059% | 1,484 |
| Net operating income to assets | 2.7184% | 88 |
| Return on assets (ROA) | 2.7184% | 90 |
| Pretax return on assets | 2.7184% | 123 |
| Return on Equity (ROE) | 32.8256% | 27 |
| Retained earnings to average equity (ytd only) | 11.6879% | 459 |
| Net charge-offs to loans | 0.1293% | 940 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,083 |
| Efficiency ratio | 53.4426% | 4,439 |
| Assets per employee ($millions) | 3.4278% | 4,542 |
| Cash dividends to net income (ytd only)* | 64.3939% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 4,366 |
| Loan loss allowance to noncurrent loans | 10,300.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,621 |
| Noncurrent loans to loans | 0.0079% | 4,544 |
| Net loans and leases to total assets | 60.7381% | 3,429 |
| Net loans and leases to deposits | 65.9800% | 3,866 |
| Net loans and leases to core deposits | 69.0395% | 3,936 |
| Total domestic deposits to total assets | 92.0552% | 36 |
| Equity capital to assets | 7.9302% | 4,984 |
| Core capital (leverage) ratio | 8.3346% | 4,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9711% | 3,108 |
| Memoranda: | ||
| Average total assets | $19,423,500 | 5,062 |
| Average earning assets | $17,987,500 | 5,051 |
| Average equity | $1,608,500 | 5,094 |
| Average total loans | $12,376,000 | 4,957 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 261 |
| Cost of funding earning assets | 0.1822% | 4,995 |
| Net interest margin | 5.7215% | 84 |
| Noninterest income to average assets | 0.7868% | 1,486 |
| Noninterest expense to average assets | 3.7438% | 720 |
| Loan and lease loss provision to assets | 0.0528% | 2,976 |
| Net operating income to assets | 2.2970% | 187 |
| Return on assets (ROA) | 2.3287% | 188 |
| Pretax return on assets | 2.3287% | 289 |
| Return on Equity (ROE) | 27.5797% | 51 |
| Retained earnings to average equity (ytd only) | 0.7505% | 4,471 |
| Net charge-offs to loans | 0.0085% | 3,379 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 209 |
| Efficiency ratio | 61.4385% | 3,467 |
| Assets per employee ($millions) | 3.0467% | 4,802 |
| Cash dividends to net income (ytd only)* | 97.2789% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,308 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,654 |
| Noncurrent loans to loans | 0.0082% | 4,561 |
| Net loans and leases to total assets | 65.9737% | 2,958 |
| Net loans and leases to deposits | 72.2459% | 3,503 |
| Net loans and leases to core deposits | 76.0883% | 3,571 |
| Total domestic deposits to total assets | 91.3184% | 82 |
| Equity capital to assets | 8.6761% | 4,842 |
| Core capital (leverage) ratio | 8.4597% | 4,862 |
| Tier 1 risk-based capital ratio | 11.6097% | 4,569 |
| Total risk-based capital ratio | 12.3256% | 4,723 |
| Memoranda: | ||
| Average total assets | $18,938,000 | 5,125 |
| Average earning assets | $17,565,400 | 5,109 |
| Average equity | $1,599,000 | 5,155 |
| Average total loans | $11,810,200 | 5,031 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8393% | 325 |
| Cost of funding earning assets | 0.1653% | 5,096 |
| Net interest margin | 5.6740% | 91 |
| Noninterest income to average assets | 0.7608% | 1,559 |
| Noninterest expense to average assets | 3.5248% | 919 |
| Loan and lease loss provision to assets | 0.0698% | 2,479 |
| Net operating income to assets | 2.4359% | 181 |
| Return on assets (ROA) | 2.4778% | 178 |
| Pretax return on assets | 2.4778% | 258 |
| Return on Equity (ROE) | 29.5410% | 43 |
| Retained earnings to average equity (ytd only) | 5.4923% | 2,627 |
| Net charge-offs to loans | 0.0113% | 2,957 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 359.8872% | 273 |
| Efficiency ratio | 58.4491% | 3,871 |
| Assets per employee ($millions) | 3.1697% | 4,777 |
| Cash dividends to net income (ytd only)* | 81.4079% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,408 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,748 |
| Noncurrent loans to loans | 0.0083% | 4,645 |
| Net loans and leases to total assets | 63.1822% | 3,366 |
| Net loans and leases to deposits | 71.2101% | 3,670 |
| Net loans and leases to core deposits | 74.3334% | 3,808 |
| Total domestic deposits to total assets | 88.7265% | 727 |
| Equity capital to assets | 8.6234% | 4,958 |
| Core capital (leverage) ratio | 8.5506% | 4,923 |
| Tier 1 risk-based capital ratio | 11.8603% | 4,483 |
| Total risk-based capital ratio | 12.5674% | 4,656 |
| Memoranda: | ||
| Average total assets | $19,102,500 | 5,202 |
| Average earning assets | $17,741,250 | 5,188 |
| Average equity | $1,602,250 | 5,233 |
| Average total loans | $11,723,500 | 5,112 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 411 |
| Cost of funding earning assets | 0.1461% | 5,168 |
| Net interest margin | 5.5528% | 117 |
| Noninterest income to average assets | 0.7423% | 1,548 |
| Noninterest expense to average assets | 3.5650% | 886 |
| Loan and lease loss provision to assets | 0.1045% | 1,790 |
| Net operating income to assets | 2.2372% | 246 |
| Return on assets (ROA) | 2.2372% | 256 |
| Pretax return on assets | 2.2372% | 413 |
| Return on Equity (ROE) | 26.9238% | 67 |
| Retained earnings to average equity (ytd only) | 3.6486% | 3,430 |
| Net charge-offs to loans | 0.0345% | 2,172 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 640 |
| Efficiency ratio | 60.3540% | 3,672 |
| Assets per employee ($millions) | 3.1653% | 4,795 |
| Cash dividends to net income (ytd only)* | 86.4486% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,405 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,788 |
| Noncurrent loans to loans | 0.0084% | 4,685 |
| Net loans and leases to total assets | 61.8155% | 3,561 |
| Net loans and leases to deposits | 68.7917% | 3,920 |
| Net loans and leases to core deposits | 71.7692% | 4,021 |
| Total domestic deposits to total assets | 89.8589% | 375 |
| Equity capital to assets | 8.4720% | 5,052 |
| Core capital (leverage) ratio | 8.1110% | 5,133 |
| Tier 1 risk-based capital ratio | 11.8216% | 4,514 |
| Total risk-based capital ratio | 12.5353% | 4,688 |
| Memoranda: | ||
| Average total assets | $19,130,670 | 5,247 |
| Average earning assets | $17,792,670 | 5,234 |
| Average equity | $1,589,670 | 5,280 |
| Average total loans | $11,593,670 | 5,159 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6573% | 388 |
| Cost of funding earning assets | 0.1578% | 5,198 |
| Net interest margin | 5.4995% | 122 |
| Noninterest income to average assets | 0.6458% | 1,834 |
| Noninterest expense to average assets | 3.4375% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2917% | 223 |
| Return on assets (ROA) | 2.2917% | 235 |
| Pretax return on assets | 2.2917% | 364 |
| Return on Equity (ROE) | 27.8481% | 63 |
| Retained earnings to average equity (ytd only) | 8.6076% | 1,448 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 3,802 |
| Assets per employee ($millions) | 3.2667% | 4,768 |
| Cash dividends to net income (ytd only)* | 69.0909% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,522 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,857 |
| Noncurrent loans to loans | 0.0090% | 4,748 |
| Net loans and leases to total assets | 56.2704% | 4,044 |
| Net loans and leases to deposits | 61.2790% | 4,345 |
| Net loans and leases to core deposits | 62.2334% | 4,458 |
| Total domestic deposits to total assets | 91.8265% | 69 |
| Equity capital to assets | 8.1633% | 5,138 |
| Core capital (leverage) ratio | 8.1318% | 5,167 |
| Tier 1 risk-based capital ratio | 12.3748% | 4,249 |
| Total risk-based capital ratio | 13.0658% | 4,459 |
| Memoranda: | ||
| Average total assets | $19,200,000 | 5,304 |
| Average earning assets | $17,747,000 | 5,290 |
| Average equity | $1,580,000 | 5,340 |
| Average total loans | $11,472,500 | 5,218 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 1,007 |
| Cost of funding earning assets | 0.1491% | 5,172 |
| Net interest margin | 4.8714% | 341 |
| Noninterest income to average assets | 0.6827% | 1,922 |
| Noninterest expense to average assets | 3.4798% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6966% | 701 |
| Return on assets (ROA) | 1.6966% | 693 |
| Pretax return on assets | 1.6966% | 1,175 |
| Return on Equity (ROE) | 21.3571% | 180 |
| Retained earnings to average equity (ytd only) | 1.2186% | 4,646 |
| Net charge-offs to loans | -0.0272% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2244% | 2,672 |
| Assets per employee ($millions) | 3.1333% | 4,901 |
| Cash dividends to net income (ytd only)* | 94.2943% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 4,695 |
| Loan loss allowance to noncurrent loans | 8,800.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,894 |
| Noncurrent loans to loans | 0.0085% | 4,778 |
| Net loans and leases to total assets | 62.4415% | 3,524 |
| Net loans and leases to deposits | 68.0956% | 3,971 |
| Net loans and leases to core deposits | 69.1302% | 4,166 |
| Total domestic deposits to total assets | 91.6968% | 96 |
| Equity capital to assets | 8.2979% | 5,048 |
| Core capital (leverage) ratio | 8.2305% | 5,155 |
| Tier 1 risk-based capital ratio | 11.5733% | 4,684 |
| Total risk-based capital ratio | 12.2257% | 4,879 |
| Memoranda: | ||
| Average total assets | $19,627,800 | 5,346 |
| Average earning assets | $18,105,600 | 5,334 |
| Average equity | $1,559,200 | 5,382 |
| Average total loans | $11,038,000 | 5,265 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 1,262 |
| Cost of funding earning assets | 0.1532% | 5,210 |
| Net interest margin | 4.7112% | 463 |
| Noninterest income to average assets | 0.6587% | 2,031 |
| Noninterest expense to average assets | 3.2804% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7208% | 710 |
| Return on assets (ROA) | 1.7208% | 716 |
| Pretax return on assets | 1.7208% | 1,226 |
| Return on Equity (ROE) | 21.8935% | 172 |
| Retained earnings to average equity (ytd only) | 2.9076% | 4,268 |
| Net charge-offs to loans | -0.0123% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5914% | 2,943 |
| Assets per employee ($millions) | 3.2175% | 4,870 |
| Cash dividends to net income (ytd only)* | 86.7192% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 4,688 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,003 |
| Noncurrent loans to loans | 0.0090% | 4,892 |
| Net loans and leases to total assets | 57.2494% | 4,110 |
| Net loans and leases to deposits | 62.3139% | 4,432 |
| Net loans and leases to core deposits | 63.2338% | 4,562 |
| Total domestic deposits to total assets | 91.8726% | 93 |
| Equity capital to assets | 8.1171% | 5,128 |
| Core capital (leverage) ratio | 8.1321% | 5,282 |
| Tier 1 risk-based capital ratio | 12.6252% | 4,143 |
| Total risk-based capital ratio | 13.3221% | 4,345 |
| Memoranda: | ||
| Average total assets | $19,834,750 | 5,413 |
| Average earning assets | $18,282,250 | 5,402 |
| Average equity | $1,559,000 | 5,453 |
| Average total loans | $10,840,750 | 5,334 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 1,504 |
| Cost of funding earning assets | 0.1524% | 5,238 |
| Net interest margin | 4.5509% | 622 |
| Noninterest income to average assets | 0.6796% | 1,959 |
| Noninterest expense to average assets | 3.2182% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6391% | 827 |
| Return on assets (ROA) | 1.6391% | 832 |
| Pretax return on assets | 1.6391% | 1,379 |
| Return on Equity (ROE) | 21.0752% | 201 |
| Retained earnings to average equity (ytd only) | 3.0842% | 4,020 |
| Net charge-offs to loans | -0.0186% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2551% | 2,926 |
| Assets per employee ($millions) | 3.3363% | 4,781 |
| Cash dividends to net income (ytd only)* | 85.3659% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,742 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,029 |
| Noncurrent loans to loans | 0.0090% | 4,917 |
| Net loans and leases to total assets | 55.0405% | 4,243 |
| Net loans and leases to deposits | 59.7117% | 4,545 |
| Net loans and leases to core deposits | 60.5584% | 4,678 |
| Total domestic deposits to total assets | 92.1770% | 72 |
| Equity capital to assets | 7.8180% | 5,293 |
| Core capital (leverage) ratio | 7.7227% | 5,411 |
| Tier 1 risk-based capital ratio | 11.0844% | 5,009 |
| Total risk-based capital ratio | 11.7002% | 5,192 |
| Memoranda: | ||
| Average total assets | $20,011,330 | 5,479 |
| Average earning assets | $18,370,000 | 5,467 |
| Average equity | $1,556,330 | 5,515 |
| Average total loans | $10,741,330 | 5,394 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 1,489 |
| Cost of funding earning assets | 0.1528% | 5,252 |
| Net interest margin | 4.4748% | 650 |
| Noninterest income to average assets | 0.5998% | 2,259 |
| Noninterest expense to average assets | 3.0788% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6194% | 818 |
| Return on assets (ROA) | 1.6194% | 820 |
| Pretax return on assets | 1.6194% | 1,338 |
| Return on Equity (ROE) | 20.8763% | 201 |
| Retained earnings to average equity (ytd only) | 5.6701% | 2,859 |
| Net charge-offs to loans | -0.0379% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5319% | 3,246 |
| Assets per employee ($millions) | 3.4430% | 4,743 |
| Cash dividends to net income (ytd only)* | 72.8395% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 4,741 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 2,919 |
| Noncurrent loans to loans | 0.0094% | 4,968 |
| Net loans and leases to total assets | 51.1376% | 4,493 |
| Net loans and leases to deposits | 55.3205% | 4,732 |
| Net loans and leases to core deposits | 56.0781% | 4,838 |
| Total domestic deposits to total assets | 92.4388% | 67 |
| Equity capital to assets | 7.5516% | 5,402 |
| Core capital (leverage) ratio | 7.8636% | 5,428 |
| Tier 1 risk-based capital ratio | 12.1400% | 4,465 |
| Total risk-based capital ratio | 12.8153% | 4,721 |
| Memoranda: | ||
| Average total assets | $20,008,000 | 5,541 |
| Average earning assets | $18,325,000 | 5,530 |
| Average equity | $1,552,000 | 5,576 |
| Average total loans | $10,559,500 | 5,463 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 1,916 |
| Cost of funding earning assets | 0.1574% | 5,220 |
| Net interest margin | 4.2815% | 1,005 |
| Noninterest income to average assets | 0.6523% | 2,186 |
| Noninterest expense to average assets | 3.1300% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4944% | 814 |
| Return on assets (ROA) | 1.4944% | 836 |
| Pretax return on assets | 1.4944% | 1,664 |
| Return on Equity (ROE) | 19.5941% | 208 |
| Retained earnings to average equity (ytd only) | 0.3829% | 4,877 |
| Net charge-offs to loans | 0.0095% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 280 |
| Efficiency ratio | 67.6842% | 2,959 |
| Assets per employee ($millions) | 3.2263% | 5,008 |
| Cash dividends to net income (ytd only)* | 98.0456% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,767 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 2,834 |
| Noncurrent loans to loans | 0.0096% | 5,001 |
| Net loans and leases to total assets | 53.6316% | 4,389 |
| Net loans and leases to deposits | 58.2865% | 4,675 |
| Net loans and leases to core deposits | 58.2865% | 4,837 |
| Total domestic deposits to total assets | 92.0136% | 81 |
| Equity capital to assets | 7.9760% | 5,402 |
| Core capital (leverage) ratio | 7.8401% | 5,485 |
| Tier 1 risk-based capital ratio | 12.3449% | 4,297 |
| Total risk-based capital ratio | 13.0334% | 4,549 |
| Memoranda: | ||
| Average total assets | $20,543,000 | 5,598 |
| Average earning assets | $19,058,800 | 5,581 |
| Average equity | $1,566,800 | 5,642 |
| Average total loans | $10,518,200 | 5,527 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,047 |
| Cost of funding earning assets | 0.1514% | 5,304 |
| Net interest margin | 4.2178% | 1,116 |
| Noninterest income to average assets | 0.6270% | 2,328 |
| Noninterest expense to average assets | 2.9687% | 2,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5803% | 753 |
| Return on assets (ROA) | 1.5803% | 766 |
| Pretax return on assets | 1.5803% | 1,486 |
| Return on Equity (ROE) | 20.9431% | 178 |
| Retained earnings to average equity (ytd only) | 3.4766% | 3,852 |
| Net charge-offs to loans | 0.0126% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 247.6165% | 357 |
| Efficiency ratio | 65.2602% | 3,332 |
| Assets per employee ($millions) | 3.3623% | 4,898 |
| Cash dividends to net income (ytd only)* | 83.3996% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,885 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 3,079 |
| Noncurrent loans to loans | 0.0094% | 5,102 |
| Net loans and leases to total assets | 52.1215% | 4,557 |
| Net loans and leases to deposits | 56.6388% | 4,833 |
| Net loans and leases to core deposits | 56.6388% | 4,964 |
| Total domestic deposits to total assets | 92.0244% | 58 |
| Equity capital to assets | 7.9657% | 5,529 |
| Core capital (leverage) ratio | 7.6961% | 5,594 |
| Tier 1 risk-based capital ratio | 12.8829% | 4,095 |
| Total risk-based capital ratio | 13.5773% | 4,327 |
| Memoranda: | ||
| Average total assets | $20,839,250 | 5,663 |
| Average earning assets | $19,377,500 | 5,639 |
| Average equity | $1,572,500 | 5,708 |
| Average total loans | $10,530,750 | 5,588 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 2,353 |
| Cost of funding earning assets | 0.1427% | 5,382 |
| Net interest margin | 4.0882% | 1,361 |
| Noninterest income to average assets | 0.5983% | 2,467 |
| Noninterest expense to average assets | 2.9628% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4434% | 967 |
| Return on assets (ROA) | 1.4434% | 992 |
| Pretax return on assets | 1.4434% | 1,846 |
| Return on Equity (ROE) | 19.4747% | 242 |
| Retained earnings to average equity (ytd only) | 2.5625% | 4,155 |
| Net charge-offs to loans | 0.0190% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 500 |
| Efficiency ratio | 67.2414% | 3,143 |
| Assets per employee ($millions) | 3.4817% | 4,745 |
| Cash dividends to net income (ytd only)* | 86.8421% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,949 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 3,180 |
| Noncurrent loans to loans | 0.0094% | 5,146 |
| Net loans and leases to total assets | 50.3016% | 4,687 |
| Net loans and leases to deposits | 54.4371% | 4,938 |
| Net loans and leases to core deposits | 55.1862% | 5,037 |
| Total domestic deposits to total assets | 92.4031% | 44 |
| Equity capital to assets | 7.5874% | 5,641 |
| Core capital (leverage) ratio | 7.2568% | 5,686 |
| Tier 1 risk-based capital ratio | 11.1095% | 5,196 |
| Total risk-based capital ratio | 11.7164% | 5,398 |
| Memoranda: | ||
| Average total assets | $21,061,000 | 5,701 |
| Average earning assets | $19,617,670 | 5,686 |
| Average equity | $1,561,000 | 5,759 |
| Average total loans | $10,507,670 | 5,634 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 2,359 |
| Cost of funding earning assets | 0.1419% | 5,423 |
| Net interest margin | 4.0335% | 1,387 |
| Noninterest income to average assets | 0.5486% | 2,673 |
| Noninterest expense to average assets | 2.8563% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4565% | 879 |
| Return on assets (ROA) | 1.4565% | 905 |
| Pretax return on assets | 1.4565% | 1,675 |
| Return on Equity (ROE) | 19.8838% | 233 |
| Retained earnings to average equity (ytd only) | 5.6811% | 2,499 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2281% | 3,462 |
| Assets per employee ($millions) | 3.6358% | 4,595 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 5,012 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 3,431 |
| Noncurrent loans to loans | 0.0095% | 5,211 |
| Net loans and leases to total assets | 47.7607% | 4,844 |
| Net loans and leases to deposits | 51.4874% | 5,054 |
| Net loans and leases to core deposits | 52.1628% | 5,137 |
| Total domestic deposits to total assets | 92.7619% | 45 |
| Equity capital to assets | 7.2152% | 5,730 |
| Core capital (leverage) ratio | 7.4297% | 5,718 |
| Tier 1 risk-based capital ratio | 11.9579% | 4,745 |
| Total risk-based capital ratio | 12.6180% | 5,011 |
| Memoranda: | ||
| Average total assets | $21,146,500 | 5,771 |
| Average earning assets | $19,734,500 | 5,753 |
| Average equity | $1,549,000 | 5,824 |
| Average total loans | $10,465,000 | 5,696 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,577 |
| Cost of funding earning assets | 0.1604% | 5,353 |
| Net interest margin | 4.0111% | 1,607 |
| Noninterest income to average assets | 0.9302% | 1,322 |
| Noninterest expense to average assets | 3.0255% | 2,275 |
| Loan and lease loss provision to assets | 0.0479% | 3,436 |
| Net operating income to assets | 1.5727% | 725 |
| Return on assets (ROA) | 1.5727% | 756 |
| Pretax return on assets | 1.5727% | 1,364 |
| Return on Equity (ROE) | 20.9960% | 180 |
| Retained earnings to average equity (ytd only) | -0.4481% | 5,371 |
| Net charge-offs to loans | 0.1629% | 1,657 |
| Credit loss provision to net charge-offs | 58.8235% | 3,264 |
| Earnings coverage of net charge-offs (x) | 19.8824% | 1,890 |
| Efficiency ratio | 65.1187% | 3,742 |
| Assets per employee ($millions) | 3.4130% | 4,883 |
| Cash dividends to net income (ytd only)* | 102.1341% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 5,036 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 3,446 |
| Noncurrent loans to loans | 0.0096% | 5,256 |
| Net loans and leases to total assets | 50.4883% | 4,727 |
| Net loans and leases to deposits | 54.5507% | 4,988 |
| Net loans and leases to core deposits | 55.3154% | 5,085 |
| Total domestic deposits to total assets | 92.5530% | 61 |
| Equity capital to assets | 7.4421% | 5,725 |
| Core capital (leverage) ratio | 7.5055% | 5,749 |
| Tier 1 risk-based capital ratio | 12.0935% | 4,666 |
| Total risk-based capital ratio | 12.7706% | 4,942 |
| Memoranda: | ||
| Average total assets | $20,856,000 | 5,828 |
| Average earning assets | $19,321,400 | 5,814 |
| Average equity | $1,562,200 | 5,886 |
| Average total loans | $10,437,200 | 5,758 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 2,670 |
| Cost of funding earning assets | 0.1587% | 5,422 |
| Net interest margin | 3.9947% | 1,673 |
| Noninterest income to average assets | 0.8974% | 1,414 |
| Noninterest expense to average assets | 2.8511% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7310% | 562 |
| Return on assets (ROA) | 1.7310% | 595 |
| Pretax return on assets | 1.7310% | 1,033 |
| Return on Equity (ROE) | 23.0736% | 125 |
| Retained earnings to average equity (ytd only) | 3.7328% | 3,653 |
| Net charge-offs to loans | 0.1022% | 1,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 33.9888% | 1,376 |
| Efficiency ratio | 62.2222% | 4,188 |
| Assets per employee ($millions) | 3.4810% | 4,799 |
| Cash dividends to net income (ytd only)* | 83.8223% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 5,072 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 3,642 |
| Noncurrent loans to loans | 0.0099% | 5,367 |
| Net loans and leases to total assets | 48.0370% | 4,957 |
| Net loans and leases to deposits | 52.0438% | 5,199 |
| Net loans and leases to core deposits | 52.7608% | 5,278 |
| Total domestic deposits to total assets | 92.3011% | 57 |
| Equity capital to assets | 7.6511% | 5,820 |
| Core capital (leverage) ratio | 7.7252% | 5,781 |
| Tier 1 risk-based capital ratio | 12.7274% | 4,327 |
| Total risk-based capital ratio | 13.4087% | 4,598 |
| Memoranda: | ||
| Average total assets | $20,950,500 | 5,892 |
| Average earning assets | $19,325,250 | 5,877 |
| Average equity | $1,571,750 | 5,952 |
| Average total loans | $10,440,250 | 5,820 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,638 |
| Cost of funding earning assets | 0.1648% | 5,460 |
| Net interest margin | 3.9956% | 1,657 |
| Noninterest income to average assets | 0.6962% | 2,160 |
| Noninterest expense to average assets | 2.8610% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5354% | 836 |
| Return on assets (ROA) | 1.5640% | 826 |
| Pretax return on assets | 1.5640% | 1,480 |
| Return on Equity (ROE) | 20.9853% | 195 |
| Retained earnings to average equity (ytd only) | 1.5355% | 4,765 |
| Net charge-offs to loans | 0.0569% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 949 |
| Efficiency ratio | 65.0759% | 3,833 |
| Assets per employee ($millions) | 3.4627% | 4,815 |
| Cash dividends to net income (ytd only)* | 92.6829% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 5,025 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 3,723 |
| Noncurrent loans to loans | 0.0097% | 5,464 |
| Net loans and leases to total assets | 49.0277% | 4,909 |
| Net loans and leases to deposits | 53.0493% | 5,195 |
| Net loans and leases to core deposits | 53.7804% | 5,291 |
| Total domestic deposits to total assets | 92.4191% | 59 |
| Equity capital to assets | 7.5712% | 5,902 |
| Core capital (leverage) ratio | 7.3800% | 5,900 |
| Tier 1 risk-based capital ratio | 12.2887% | 4,654 |
| Total risk-based capital ratio | 12.9995% | 4,888 |
| Memoranda: | ||
| Average total assets | $20,972,000 | 5,966 |
| Average earning assets | $19,421,330 | 5,949 |
| Average equity | $1,563,000 | 6,028 |
| Average total loans | $10,547,670 | 5,890 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,423 |
| Cost of funding earning assets | 0.1636% | 5,523 |
| Net interest margin | 4.0487% | 1,481 |
| Noninterest income to average assets | 0.6455% | 2,289 |
| Noninterest expense to average assets | 2.7337% | 3,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6706% | 613 |
| Return on assets (ROA) | 1.6706% | 649 |
| Pretax return on assets | 1.6706% | 1,129 |
| Return on Equity (ROE) | 22.5931% | 143 |
| Retained earnings to average equity (ytd only) | 5.9050% | 2,421 |
| Net charge-offs to loans | -0.0749% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0690% | 4,432 |
| Assets per employee ($millions) | 3.5288% | 4,773 |
| Cash dividends to net income (ytd only)* | 73.8636% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 5,036 |
| Loan loss allowance to noncurrent loans | 9,500.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,658 |
| Noncurrent loans to loans | 0.0096% | 5,482 |
| Net loans and leases to total assets | 48.9633% | 4,894 |
| Net loans and leases to deposits | 52.9199% | 5,171 |
| Net loans and leases to core deposits | 53.6344% | 5,277 |
| Total domestic deposits to total assets | 92.5235% | 62 |
| Equity capital to assets | 7.4576% | 5,955 |
| Core capital (leverage) ratio | 7.3840% | 5,945 |
| Tier 1 risk-based capital ratio | 10.7940% | 5,609 |
| Total risk-based capital ratio | 11.4489% | 5,793 |
| Memoranda: | ||
| Average total assets | $21,070,000 | 6,026 |
| Average earning assets | $19,562,000 | 6,007 |
| Average equity | $1,558,000 | 6,089 |
| Average total loans | $10,683,500 | 5,948 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 3,082 |
| Cost of funding earning assets | 0.1584% | 5,631 |
| Net interest margin | 3.8995% | 2,033 |
| Noninterest income to average assets | 0.6854% | 2,270 |
| Noninterest expense to average assets | 2.6952% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6394% | 648 |
| Return on assets (ROA) | 1.6394% | 667 |
| Pretax return on assets | 1.6394% | 1,138 |
| Return on Equity (ROE) | 23.0169% | 136 |
| Retained earnings to average equity (ytd only) | -0.6502% | 5,617 |
| Net charge-offs to loans | 0.1758% | 1,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.6316% | 1,998 |
| Efficiency ratio | 62.1795% | 4,575 |
| Assets per employee ($millions) | 3.4945% | 4,849 |
| Cash dividends to net income (ytd only)* | 102.8249% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 5,259 |
| Loan loss allowance to noncurrent loans | 9,300.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,700 |
| Noncurrent loans to loans | 0.0092% | 5,499 |
| Net loans and leases to total assets | 51.5667% | 4,731 |
| Net loans and leases to deposits | 55.6516% | 5,069 |
| Net loans and leases to core deposits | 56.4095% | 5,179 |
| Total domestic deposits to total assets | 92.6599% | 59 |
| Equity capital to assets | 7.3306% | 6,006 |
| Core capital (leverage) ratio | 7.3316% | 6,006 |
| Tier 1 risk-based capital ratio | 10.4236% | 5,812 |
| Total risk-based capital ratio | 11.0518% | 5,965 |
| Memoranda: | ||
| Average total assets | $21,593,600 | 6,074 |
| Average earning assets | $20,207,600 | 6,060 |
| Average equity | $1,538,000 | 6,146 |
| Average total loans | $10,810,400 | 5,999 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 3,286 |
| Cost of funding earning assets | 0.1502% | 5,776 |
| Net interest margin | 3.8647% | 2,141 |
| Noninterest income to average assets | 0.6621% | 2,420 |
| Noninterest expense to average assets | 2.5256% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7655% | 561 |
| Return on assets (ROA) | 1.7655% | 576 |
| Pretax return on assets | 1.7655% | 962 |
| Return on Equity (ROE) | 24.9628% | 116 |
| Retained earnings to average equity (ytd only) | 1.6467% | 5,043 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8571% | 5,022 |
| Assets per employee ($millions) | 3.5135% | 4,771 |
| Cash dividends to net income (ytd only)* | 93.4035% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 4,533 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,795 |
| Noncurrent loans to loans | 0.0093% | 5,605 |
| Net loans and leases to total assets | 50.6143% | 4,882 |
| Net loans and leases to deposits | 54.6591% | 5,209 |
| Net loans and leases to core deposits | 55.3998% | 5,338 |
| Total domestic deposits to total assets | 92.6000% | 56 |
| Equity capital to assets | 7.3716% | 6,094 |
| Core capital (leverage) ratio | 7.2503% | 6,097 |
| Tier 1 risk-based capital ratio | 12.1409% | 5,001 |
| Total risk-based capital ratio | 13.0059% | 5,154 |
| Memoranda: | ||
| Average total assets | $21,750,250 | 6,159 |
| Average earning assets | $20,423,500 | 6,142 |
| Average equity | $1,538,250 | 6,231 |
| Average total loans | $10,786,750 | 6,077 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 3,557 |
| Cost of funding earning assets | 0.1543% | 5,820 |
| Net interest margin | 3.7795% | 2,404 |
| Noninterest income to average assets | 0.6735% | 2,333 |
| Noninterest expense to average assets | 2.4939% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7476% | 574 |
| Return on assets (ROA) | 1.7476% | 602 |
| Pretax return on assets | 1.7476% | 983 |
| Return on Equity (ROE) | 25.0489% | 119 |
| Retained earnings to average equity (ytd only) | 1.6960% | 4,850 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7983% | 5,137 |
| Assets per employee ($millions) | 3.6588% | 4,518 |
| Cash dividends to net income (ytd only)* | 93.2292% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 4,532 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,890 |
| Noncurrent loans to loans | 0.0095% | 5,730 |
| Net loans and leases to total assets | 47.5470% | 5,143 |
| Net loans and leases to deposits | 51.0965% | 5,444 |
| Net loans and leases to core deposits | 51.7553% | 5,550 |
| Total domestic deposits to total assets | 93.0533% | 52 |
| Equity capital to assets | 6.9330% | 6,202 |
| Core capital (leverage) ratio | 6.9557% | 6,196 |
| Tier 1 risk-based capital ratio | 12.0508% | 5,107 |
| Total risk-based capital ratio | 12.9182% | 5,274 |
| Memoranda: | ||
| Average total assets | $21,973,330 | 6,230 |
| Average earning assets | $20,743,330 | 6,201 |
| Average equity | $1,533,000 | 6,307 |
| Average total loans | $10,788,330 | 6,146 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,571 |
| Cost of funding earning assets | 0.1532% | 5,907 |
| Net interest margin | 3.7544% | 2,414 |
| Noninterest income to average assets | 0.6550% | 2,383 |
| Noninterest expense to average assets | 2.3836% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8377% | 452 |
| Return on assets (ROA) | 1.8377% | 480 |
| Pretax return on assets | 1.8377% | 813 |
| Return on Equity (ROE) | 26.2593% | 90 |
| Retained earnings to average equity (ytd only) | 5.7199% | 2,649 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4655% | 5,482 |
| Assets per employee ($millions) | 3.7125% | 4,490 |
| Cash dividends to net income (ytd only)* | 78.2178% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 4,677 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,951 |
| Noncurrent loans to loans | 0.0095% | 5,769 |
| Net loans and leases to total assets | 46.6487% | 5,146 |
| Net loans and leases to deposits | 50.1738% | 5,452 |
| Net loans and leases to core deposits | 50.8117% | 5,552 |
| Total domestic deposits to total assets | 92.9742% | 61 |
| Equity capital to assets | 7.0079% | 6,262 |
| Core capital (leverage) ratio | 7.0585% | 6,232 |
| Tier 1 risk-based capital ratio | 10.5739% | 5,993 |
| Total risk-based capital ratio | 11.3302% | 6,098 |
| Memoranda: | ||
| Average total assets | $21,983,500 | 6,295 |
| Average earning assets | $20,882,000 | 6,265 |
| Average equity | $1,538,500 | 6,373 |
| Average total loans | $10,907,500 | 6,208 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,504 |
| Cost of funding earning assets | 0.1569% | 6,057 |
| Net interest margin | 3.8984% | 2,247 |
| Noninterest income to average assets | 0.6778% | 2,413 |
| Noninterest expense to average assets | 2.6555% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7131% | 568 |
| Return on assets (ROA) | 1.7131% | 587 |
| Pretax return on assets | 1.7131% | 960 |
| Return on Equity (ROE) | 24.3243% | 121 |
| Retained earnings to average equity (ytd only) | 0.2637% | 5,662 |
| Net charge-offs to loans | 0.3973% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.5814% | 2,856 |
| Efficiency ratio | 60.7864% | 5,103 |
| Assets per employee ($millions) | 3.6153% | 4,693 |
| Cash dividends to net income (ytd only)* | 98.9160% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 5,112 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,073 |
| Noncurrent loans to loans | 0.0088% | 5,888 |
| Net loans and leases to total assets | 51.6319% | 4,818 |
| Net loans and leases to deposits | 55.5170% | 5,210 |
| Net loans and leases to core deposits | 56.2418% | 5,367 |
| Total domestic deposits to total assets | 93.0020% | 67 |
| Equity capital to assets | 6.9888% | 6,329 |
| Core capital (leverage) ratio | 7.1270% | 6,290 |
| Tier 1 risk-based capital ratio | 11.5589% | 5,626 |
| Total risk-based capital ratio | 12.3979% | 5,783 |
| Memoranda: | ||
| Average total assets | $21,540,000 | 6,388 |
| Average earning assets | $20,393,200 | 6,363 |
| Average equity | $1,517,000 | 6,458 |
| Average total loans | $10,822,200 | 6,292 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 3,739 |
| Cost of funding earning assets | 0.1573% | 6,140 |
| Net interest margin | 3.8474% | 2,441 |
| Noninterest income to average assets | 0.6573% | 2,535 |
| Noninterest expense to average assets | 2.5051% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7920% | 521 |
| Return on assets (ROA) | 1.7920% | 533 |
| Pretax return on assets | 1.7920% | 910 |
| Return on Equity (ROE) | 25.3959% | 96 |
| Retained earnings to average equity (ytd only) | 2.5487% | 4,770 |
| Net charge-offs to loans | 0.4237% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.5003% | 2,787 |
| Efficiency ratio | 58.2973% | 5,405 |
| Assets per employee ($millions) | 3.5662% | 4,743 |
| Cash dividends to net income (ytd only)* | 89.9668% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 4,960 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,186 |
| Noncurrent loans to loans | 0.0087% | 6,007 |
| Net loans and leases to total assets | 52.9747% | 4,699 |
| Net loans and leases to deposits | 57.1407% | 5,166 |
| Net loans and leases to core deposits | 58.7214% | 5,291 |
| Total domestic deposits to total assets | 92.7093% | 99 |
| Equity capital to assets | 7.2674% | 6,344 |
| Core capital (leverage) ratio | 7.3383% | 6,321 |
| Tier 1 risk-based capital ratio | 11.5597% | 5,761 |
| Total risk-based capital ratio | 12.4512% | 5,857 |
| Memoranda: | ||
| Average total assets | $21,502,000 | 6,466 |
| Average earning assets | $20,342,500 | 6,439 |
| Average equity | $1,517,250 | 6,536 |
| Average total loans | $10,699,750 | 6,369 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,797 |
| Cost of funding earning assets | 0.1574% | 6,216 |
| Net interest margin | 3.8260% | 2,458 |
| Noninterest income to average assets | 0.6222% | 2,697 |
| Noninterest expense to average assets | 2.5259% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7087% | 566 |
| Return on assets (ROA) | 1.7087% | 589 |
| Pretax return on assets | 1.7087% | 1,004 |
| Return on Equity (ROE) | 24.4572% | 123 |
| Retained earnings to average equity (ytd only) | 1.8609% | 4,957 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6491% | 5,345 |
| Assets per employee ($millions) | 3.6160% | 4,625 |
| Cash dividends to net income (ytd only)* | 92.3913% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 2,973 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,254 |
| Noncurrent loans to loans | 0.0096% | 6,061 |
| Net loans and leases to total assets | 47.3958% | 5,228 |
| Net loans and leases to deposits | 50.9918% | 5,560 |
| Net loans and leases to core deposits | 52.3761% | 5,649 |
| Total domestic deposits to total assets | 92.9480% | 85 |
| Equity capital to assets | 7.0382% | 6,439 |
| Core capital (leverage) ratio | 7.0891% | 6,413 |
| Tier 1 risk-based capital ratio | 10.9237% | 6,080 |
| Total risk-based capital ratio | 12.0132% | 6,098 |
| Memoranda: | ||
| Average total assets | $21,537,000 | 6,531 |
| Average earning assets | $20,334,330 | 6,505 |
| Average equity | $1,504,670 | 6,601 |
| Average total loans | $10,447,670 | 6,439 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 3,949 |
| Cost of funding earning assets | 0.1377% | 6,413 |
| Net interest margin | 3.7970% | 2,483 |
| Noninterest income to average assets | 0.5779% | 2,869 |
| Noninterest expense to average assets | 2.4420% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7337% | 541 |
| Return on assets (ROA) | 1.7337% | 560 |
| Pretax return on assets | 1.7337% | 910 |
| Return on Equity (ROE) | 24.9079% | 121 |
| Retained earnings to average equity (ytd only) | 1.6070% | 4,967 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4821% | 5,602 |
| Assets per employee ($millions) | 3.6293% | 4,661 |
| Cash dividends to net income (ytd only)* | 93.5484% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 3,336 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,324 |
| Noncurrent loans to loans | 0.0094% | 6,147 |
| Net loans and leases to total assets | 48.0759% | 5,118 |
| Net loans and leases to deposits | 51.7141% | 5,475 |
| Net loans and leases to core deposits | 53.1125% | 5,559 |
| Total domestic deposits to total assets | 92.9647% | 119 |
| Equity capital to assets | 7.0169% | 6,444 |
| Core capital (leverage) ratio | 7.0394% | 6,459 |
| Tier 1 risk-based capital ratio | 11.9134% | 5,700 |
| Total risk-based capital ratio | 13.1078% | 5,659 |
| Memoranda: | ||
| Average total assets | $21,457,500 | 6,604 |
| Average earning assets | $20,332,000 | 6,575 |
| Average equity | $1,493,500 | 6,666 |
| Average total loans | $10,452,500 | 6,504 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 4,260 |
| Cost of funding earning assets | 0.1722% | 6,429 |
| Net interest margin | 3.7838% | 2,713 |
| Noninterest income to average assets | 0.6936% | 2,574 |
| Noninterest expense to average assets | 2.3679% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8991% | 398 |
| Return on assets (ROA) | 1.8991% | 414 |
| Pretax return on assets | 1.8991% | 602 |
| Return on Equity (ROE) | 26.7304% | 103 |
| Retained earnings to average equity (ytd only) | 5.3865% | 2,359 |
| Net charge-offs to loans | -0.0201% | 6,143 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4933% | 5,998 |
| Assets per employee ($millions) | 3.5232% | 4,852 |
| Cash dividends to net income (ytd only)* | 79.8489% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 3,141 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,425 |
| Noncurrent loans to loans | 0.0097% | 6,260 |
| Net loans and leases to total assets | 47.9020% | 5,305 |
| Net loans and leases to deposits | 51.4637% | 5,664 |
| Net loans and leases to core deposits | 52.8966% | 5,737 |
| Total domestic deposits to total assets | 93.0791% | 129 |
| Equity capital to assets | 6.9019% | 6,484 |
| Core capital (leverage) ratio | 7.1635% | 6,484 |
| Tier 1 risk-based capital ratio | 12.2075% | 5,492 |
| Total risk-based capital ratio | 13.4370% | 5,435 |
| Memoranda: | ||
| Average total assets | $20,904,600 | 6,687 |
| Average earning assets | $19,742,000 | 6,661 |
| Average equity | $1,485,200 | 6,758 |
| Average total loans | $9,965,800 | 6,592 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 4,382 |
| Cost of funding earning assets | 0.1760% | 6,520 |
| Net interest margin | 3.7555% | 2,821 |
| Noninterest income to average assets | 0.6332% | 2,969 |
| Noninterest expense to average assets | 2.1427% | 5,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0403% | 338 |
| Return on assets (ROA) | 2.0403% | 349 |
| Pretax return on assets | 2.0403% | 529 |
| Return on Equity (ROE) | 28.5115% | 84 |
| Retained earnings to average equity (ytd only) | 9.8314% | 826 |
| Net charge-offs to loans | -0.0270% | 6,140 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2232% | 6,318 |
| Assets per employee ($millions) | 3.5710% | 4,712 |
| Cash dividends to net income (ytd only)* | 65.5177% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,365 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,508 |
| Noncurrent loans to loans | 0.0098% | 6,347 |
| Net loans and leases to total assets | 46.7796% | 5,466 |
| Net loans and leases to deposits | 50.1953% | 5,822 |
| Net loans and leases to core deposits | 51.5719% | 5,912 |
| Total domestic deposits to total assets | 93.1952% | 112 |
| Equity capital to assets | 6.7815% | 6,596 |
| Core capital (leverage) ratio | 7.4526% | 6,466 |
| Tier 1 risk-based capital ratio | 12.3836% | 5,529 |
| Total risk-based capital ratio | 13.6069% | 5,478 |
| Memoranda: | ||
| Average total assets | $20,846,000 | 6,763 |
| Average earning assets | $19,703,750 | 6,736 |
| Average equity | $1,491,750 | 6,837 |
| Average total loans | $9,887,000 | 6,672 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,569 |
| Cost of funding earning assets | 0.1743% | 6,604 |
| Net interest margin | 3.7008% | 2,956 |
| Noninterest income to average assets | 0.6295% | 3,020 |
| Noninterest expense to average assets | 2.0917% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0336% | 341 |
| Return on assets (ROA) | 2.0336% | 359 |
| Pretax return on assets | 2.0336% | 568 |
| Return on Equity (ROE) | 27.9131% | 89 |
| Retained earnings to average equity (ytd only) | 16.3491% | 180 |
| Net charge-offs to loans | -0.0409% | 6,197 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7042% | 6,373 |
| Assets per employee ($millions) | 3.4317% | 4,991 |
| Cash dividends to net income (ytd only)* | 41.4286% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 3,406 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,555 |
| Noncurrent loans to loans | 0.0099% | 6,408 |
| Net loans and leases to total assets | 48.1690% | 5,314 |
| Net loans and leases to deposits | 51.9839% | 5,689 |
| Net loans and leases to core deposits | 53.4750% | 5,796 |
| Total domestic deposits to total assets | 92.6615% | 161 |
| Equity capital to assets | 7.3142% | 6,507 |
| Core capital (leverage) ratio | 7.6087% | 6,412 |
| Tier 1 risk-based capital ratio | 13.3367% | 4,891 |
| Total risk-based capital ratio | 14.5928% | 4,831 |
| Memoranda: | ||
| Average total assets | $20,652,670 | 6,813 |
| Average earning assets | $19,509,330 | 6,788 |
| Average equity | $1,504,670 | 6,883 |
| Average total loans | $9,790,000 | 6,719 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 4,779 |
| Cost of funding earning assets | 0.1846% | 6,650 |
| Net interest margin | 3.6298% | 3,141 |
| Noninterest income to average assets | 0.6188% | 3,034 |
| Noninterest expense to average assets | 2.3593% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6825% | 608 |
| Return on assets (ROA) | 1.6825% | 670 |
| Pretax return on assets | 1.6825% | 1,120 |
| Return on Equity (ROE) | 23.1383% | 162 |
| Retained earnings to average equity (ytd only) | 23.1383% | 82 |
| Net charge-offs to loans | -0.0829% | 6,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3732% | 5,801 |
| Assets per employee ($millions) | 3.5758% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 3,362 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,623 |
| Noncurrent loans to loans | 0.0104% | 6,476 |
| Net loans and leases to total assets | 44.1389% | 5,648 |
| Net loans and leases to deposits | 47.6119% | 5,950 |
| Net loans and leases to core deposits | 48.9178% | 6,037 |
| Total domestic deposits to total assets | 92.7057% | 152 |
| Equity capital to assets | 7.2710% | 6,655 |
| Core capital (leverage) ratio | 7.4705% | 6,484 |
| Tier 1 risk-based capital ratio | 12.6306% | 5,488 |
| Total risk-based capital ratio | 13.8880% | 5,436 |
| Memoranda: | ||
| Average total assets | $20,684,000 | 6,889 |
| Average earning assets | $19,505,000 | 6,862 |
| Average equity | $1,504,000 | 6,953 |
| Average total loans | $9,648,500 | 6,790 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 4,862 |
| Cost of funding earning assets | 0.2691% | 6,594 |
| Net interest margin | 3.8551% | 3,001 |
| Noninterest income to average assets | 0.6471% | 3,006 |
| Noninterest expense to average assets | 2.4899% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7911% | 516 |
| Return on assets (ROA) | 1.7911% | 582 |
| Pretax return on assets | 1.7911% | 936 |
| Return on Equity (ROE) | 22.8142% | 191 |
| Retained earnings to average equity (ytd only) | -4.6815% | 6,403 |
| Net charge-offs to loans | 0.0216% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 242 |
| Efficiency ratio | 58.1620% | 5,808 |
| Assets per employee ($millions) | 3.3188% | 5,383 |
| Cash dividends to net income (ytd only)* | 120.5202% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 3,397 |
| Loan loss allowance to noncurrent loans | 15,300.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,691 |
| Noncurrent loans to loans | 0.0103% | 6,537 |
| Net loans and leases to total assets | 47.8029% | 5,430 |
| Net loans and leases to deposits | 51.5600% | 5,837 |
| Net loans and leases to core deposits | 53.0839% | 5,935 |
| Total domestic deposits to total assets | 92.7133% | 159 |
| Equity capital to assets | 7.2716% | 6,701 |
| Core capital (leverage) ratio | 7.2028% | 6,632 |
| Tier 1 risk-based capital ratio | 12.7246% | 5,313 |
| Total risk-based capital ratio | 13.9805% | 5,241 |
| Memoranda: | ||
| Average total assets | $19,318,200 | 6,967 |
| Average earning assets | $18,209,800 | 6,933 |
| Average equity | $1,516,600 | 7,025 |
| Average total loans | $9,252,400 | 6,870 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 5,076 |
| Cost of funding earning assets | 0.2803% | 6,694 |
| Net interest margin | 3.8506% | 3,118 |
| Noninterest income to average assets | 0.6329% | 3,088 |
| Noninterest expense to average assets | 2.4691% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7945% | 573 |
| Return on assets (ROA) | 1.7945% | 643 |
| Pretax return on assets | 1.7945% | 1,060 |
| Return on Equity (ROE) | 22.4280% | 218 |
| Retained earnings to average equity (ytd only) | 0.5216% | 5,931 |
| Net charge-offs to loans | 0.0292% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 128.8352% | 340 |
| Efficiency ratio | 57.9119% | 5,803 |
| Assets per employee ($millions) | 3.3022% | 5,438 |
| Cash dividends to net income (ytd only)* | 97.6744% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 3,119 |
| Loan loss allowance to noncurrent loans | 15,300.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,788 |
| Noncurrent loans to loans | 0.0112% | 6,633 |
| Net loans and leases to total assets | 44.4001% | 5,935 |
| Net loans and leases to deposits | 48.0947% | 6,250 |
| Net loans and leases to core deposits | 49.5299% | 6,307 |
| Total domestic deposits to total assets | 92.3182% | 170 |
| Equity capital to assets | 7.6515% | 6,726 |
| Core capital (leverage) ratio | 7.6877% | 6,532 |
| Tier 1 risk-based capital ratio | 13.4195% | 4,935 |
| Total risk-based capital ratio | 14.6776% | 4,885 |
| Memoranda: | ||
| Average total assets | $19,169,500 | 7,066 |
| Average earning assets | $18,074,500 | 7,028 |
| Average equity | $1,533,750 | 7,119 |
| Average total loans | $9,147,500 | 6,969 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 4,939 |
| Cost of funding earning assets | 0.3027% | 6,730 |
| Net interest margin | 3.9013% | 2,900 |
| Noninterest income to average assets | 0.6753% | 2,801 |
| Noninterest expense to average assets | 2.5218% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8254% | 535 |
| Return on assets (ROA) | 1.8254% | 605 |
| Pretax return on assets | 1.8254% | 989 |
| Return on Equity (ROE) | 22.4723% | 230 |
| Retained earnings to average equity (ytd only) | 0.5196% | 5,862 |
| Net charge-offs to loans | 0.0651% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 657 |
| Efficiency ratio | 58.0097% | 5,875 |
| Assets per employee ($millions) | 3.2488% | 5,558 |
| Cash dividends to net income (ytd only)* | 97.6879% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 3,514 |
| Loan loss allowance to noncurrent loans | 15,200.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,846 |
| Noncurrent loans to loans | 0.0107% | 6,680 |
| Net loans and leases to total assets | 47.2169% | 5,693 |
| Net loans and leases to deposits | 51.2643% | 6,079 |
| Net loans and leases to core deposits | 52.8176% | 6,176 |
| Total domestic deposits to total assets | 92.1049% | 208 |
| Equity capital to assets | 7.8746% | 6,641 |
| Core capital (leverage) ratio | 7.9072% | 6,363 |
| Tier 1 risk-based capital ratio | 13.0077% | 5,186 |
| Total risk-based capital ratio | 14.2627% | 5,151 |
| Memoranda: | ||
| Average total assets | $18,955,000 | 7,125 |
| Average earning assets | $17,840,330 | 7,094 |
| Average equity | $1,539,670 | 7,173 |
| Average total loans | $9,213,330 | 7,029 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 4,676 |
| Cost of funding earning assets | 0.2953% | 6,854 |
| Net interest margin | 4.0210% | 2,411 |
| Noninterest income to average assets | 0.7064% | 2,634 |
| Noninterest expense to average assets | 2.5902% | 4,857 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9052% | 491 |
| Return on assets (ROA) | 1.9052% | 564 |
| Pretax return on assets | 1.9052% | 868 |
| Return on Equity (ROE) | 23.0869% | 243 |
| Retained earnings to average equity (ytd only) | 2.3346% | 5,096 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6190% | 5,964 |
| Assets per employee ($millions) | 3.2093% | 5,750 |
| Cash dividends to net income (ytd only)* | 89.8876% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 3,401 |
| Loan loss allowance to noncurrent loans | 15,400.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 6,933 |
| Noncurrent loans to loans | 0.0110% | 6,763 |
| Net loans and leases to total assets | 46.6140% | 5,714 |
| Net loans and leases to deposits | 50.6775% | 6,091 |
| Net loans and leases to core deposits | 52.2316% | 6,186 |
| Total domestic deposits to total assets | 91.9817% | 263 |
| Equity capital to assets | 7.9923% | 6,530 |
| Core capital (leverage) ratio | 8.1425% | 6,103 |
| Tier 1 risk-based capital ratio | 13.1500% | 5,096 |
| Total risk-based capital ratio | 14.4053% | 5,062 |
| Memoranda: | ||
| Average total assets | $18,686,000 | 7,186 |
| Average earning assets | $17,607,500 | 7,157 |
| Average equity | $1,542,000 | 7,228 |
| Average total loans | $9,142,000 | 7,095 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 5,249 |
| Cost of funding earning assets | 0.5313% | 6,415 |
| Net interest margin | 3.9186% | 3,264 |
| Noninterest income to average assets | 0.7347% | 2,419 |
| Noninterest expense to average assets | 2.5979% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8526% | 422 |
| Return on assets (ROA) | 1.8526% | 455 |
| Pretax return on assets | 1.8526% | 729 |
| Return on Equity (ROE) | 22.6776% | 165 |
| Retained earnings to average equity (ytd only) | 0.4497% | 5,622 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3726% | 6,001 |
| Assets per employee ($millions) | 3.0193% | 6,043 |
| Cash dividends to net income (ytd only)* | 98.0170% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 3,268 |
| Loan loss allowance to noncurrent loans | 15,400.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,984 |
| Noncurrent loans to loans | 0.0109% | 6,821 |
| Net loans and leases to total assets | 49.6798% | 5,632 |
| Net loans and leases to deposits | 54.3380% | 6,036 |
| Net loans and leases to core deposits | 55.1978% | 6,214 |
| Total domestic deposits to total assets | 91.4275% | 353 |
| Equity capital to assets | 8.5284% | 6,106 |
| Core capital (leverage) ratio | 8.1644% | 6,048 |
| Tier 1 risk-based capital ratio | 13.5410% | 4,667 |
| Total risk-based capital ratio | 14.7978% | 4,632 |
| Memoranda: | ||
| Average total assets | $19,054,200 | 7,222 |
| Average earning assets | $18,067,800 | 7,182 |
| Average equity | $1,556,600 | 7,282 |
| Average total loans | $9,452,800 | 7,132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 5,539 |
| Cost of funding earning assets | 0.5744% | 6,409 |
| Net interest margin | 3.8463% | 3,636 |
| Noninterest income to average assets | 0.7258% | 2,448 |
| Noninterest expense to average assets | 2.5022% | 5,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8802% | 443 |
| Return on assets (ROA) | 1.8802% | 481 |
| Pretax return on assets | 1.8802% | 819 |
| Return on Equity (ROE) | 23.2549% | 183 |
| Retained earnings to average equity (ytd only) | 1.9667% | 5,154 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0978% | 6,129 |
| Assets per employee ($millions) | 3.1773% | 5,732 |
| Cash dividends to net income (ytd only)* | 91.5430% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 3,409 |
| Loan loss allowance to noncurrent loans | 15,400.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 7,069 |
| Noncurrent loans to loans | 0.0108% | 6,929 |
| Net loans and leases to total assets | 47.8074% | 5,979 |
| Net loans and leases to deposits | 52.1187% | 6,355 |
| Net loans and leases to core deposits | 52.8992% | 6,514 |
| Total domestic deposits to total assets | 91.7279% | 255 |
| Equity capital to assets | 8.2144% | 6,551 |
| Core capital (leverage) ratio | 7.8464% | 6,529 |
| Tier 1 risk-based capital ratio | 13.3041% | 4,876 |
| Total risk-based capital ratio | 14.5683% | 4,844 |
| Memoranda: | ||
| Average total assets | $19,288,750 | 7,291 |
| Average earning assets | $18,337,500 | 7,252 |
| Average equity | $1,559,500 | 7,353 |
| Average total loans | $9,527,500 | 7,198 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 5,771 |
| Cost of funding earning assets | 0.6066% | 6,422 |
| Net interest margin | 3.7697% | 3,939 |
| Noninterest income to average assets | 0.7023% | 2,540 |
| Noninterest expense to average assets | 2.4892% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8075% | 496 |
| Return on assets (ROA) | 1.8075% | 527 |
| Pretax return on assets | 1.8075% | 869 |
| Return on Equity (ROE) | 22.4744% | 216 |
| Retained earnings to average equity (ytd only) | 2.3116% | 4,816 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9327% | 6,174 |
| Assets per employee ($millions) | 3.3682% | 5,284 |
| Cash dividends to net income (ytd only)* | 89.7143% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 3,562 |
| Loan loss allowance to noncurrent loans | 15,400.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,121 |
| Noncurrent loans to loans | 0.0106% | 6,981 |
| Net loans and leases to total assets | 45.8459% | 6,288 |
| Net loans and leases to deposits | 49.7183% | 6,623 |
| Net loans and leases to core deposits | 50.4053% | 6,744 |
| Total domestic deposits to total assets | 92.2114% | 199 |
| Equity capital to assets | 7.7342% | 6,844 |
| Core capital (leverage) ratio | 7.7058% | 6,583 |
| Tier 1 risk-based capital ratio | 13.3466% | 4,651 |
| Total risk-based capital ratio | 14.6544% | 4,593 |
| Memoranda: | ||
| Average total assets | $19,363,670 | 7,365 |
| Average earning assets | $18,463,000 | 7,319 |
| Average equity | $1,557,330 | 7,423 |
| Average total loans | $9,614,000 | 7,266 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 5,655 |
| Cost of funding earning assets | 0.6837% | 6,229 |
| Net interest margin | 3.7272% | 3,964 |
| Noninterest income to average assets | 0.6969% | 2,599 |
| Noninterest expense to average assets | 2.5342% | 5,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7317% | 552 |
| Return on assets (ROA) | 1.7317% | 581 |
| Pretax return on assets | 1.7317% | 926 |
| Return on Equity (ROE) | 21.1000% | 286 |
| Retained earnings to average equity (ytd only) | 1.8012% | 5,037 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4059% | 6,064 |
| Assets per employee ($millions) | 3.2187% | 5,667 |
| Cash dividends to net income (ytd only)* | 91.4634% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 3,845 |
| Loan loss allowance to noncurrent loans | 15,400.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 7,190 |
| Noncurrent loans to loans | 0.0102% | 7,051 |
| Net loans and leases to total assets | 49.8343% | 5,868 |
| Net loans and leases to deposits | 54.2319% | 6,272 |
| Net loans and leases to core deposits | 55.8690% | 6,420 |
| Total domestic deposits to total assets | 91.8911% | 317 |
| Equity capital to assets | 8.0468% | 6,455 |
| Core capital (leverage) ratio | 8.1645% | 6,023 |
| Tier 1 risk-based capital ratio | 12.2031% | 5,509 |
| Total risk-based capital ratio | 13.4306% | 5,519 |
| Memoranda: | ||
| Average total assets | $18,941,000 | 7,425 |
| Average earning assets | $18,137,000 | 7,380 |
| Average equity | $1,554,500 | 7,477 |
| Average total loans | $9,711,500 | 7,326 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 6,123 |
| Cost of funding earning assets | 0.8234% | 6,470 |
| Net interest margin | 3.7732% | 4,059 |
| Noninterest income to average assets | 0.8271% | 2,155 |
| Noninterest expense to average assets | 2.5769% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8342% | 381 |
| Return on assets (ROA) | 1.8342% | 419 |
| Pretax return on assets | 1.8342% | 711 |
| Return on Equity (ROE) | 20.7882% | 211 |
| Retained earnings to average equity (ytd only) | 0.7652% | 5,169 |
| Net charge-offs to loans | -0.0113% | 7,321 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4184% | 6,286 |
| Assets per employee ($millions) | 3.0950% | 5,892 |
| Cash dividends to net income (ytd only)* | 96.3190% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 3,589 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 7,224 |
| Noncurrent loans to loans | 0.0207% | 7,090 |
| Net loans and leases to total assets | 51.1093% | 6,035 |
| Net loans and leases to deposits | 55.8360% | 6,458 |
| Net loans and leases to core deposits | 57.5945% | 6,593 |
| Total domestic deposits to total assets | 91.5347% | 390 |
| Equity capital to assets | 8.3737% | 6,042 |
| Core capital (leverage) ratio | 8.5255% | 5,309 |
| Tier 1 risk-based capital ratio | 12.8523% | 4,725 |
| Total risk-based capital ratio | 14.1181% | 4,684 |
| Memoranda: | ||
| Average total assets | $17,773,200 | 7,516 |
| Average earning assets | $16,882,000 | 7,476 |
| Average equity | $1,568,200 | 7,574 |
| Average total loans | $8,823,000 | 7,433 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 6,191 |
| Cost of funding earning assets | 0.9059% | 6,374 |
| Net interest margin | 3.7438% | 4,211 |
| Noninterest income to average assets | 0.8345% | 2,058 |
| Noninterest expense to average assets | 2.5188% | 5,642 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8588% | 442 |
| Return on assets (ROA) | 1.8588% | 491 |
| Pretax return on assets | 1.8588% | 833 |
| Return on Equity (ROE) | 20.7865% | 267 |
| Retained earnings to average equity (ytd only) | 2.6300% | 4,575 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5390% | 6,335 |
| Assets per employee ($millions) | 2.9310% | 6,308 |
| Cash dividends to net income (ytd only)* | 87.3477% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 3,005 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 7,341 |
| Noncurrent loans to loans | 0.0227% | 7,201 |
| Net loans and leases to total assets | 49.2608% | 6,399 |
| Net loans and leases to deposits | 54.2081% | 6,757 |
| Net loans and leases to core deposits | 55.0836% | 6,909 |
| Total domestic deposits to total assets | 90.8734% | 491 |
| Equity capital to assets | 8.9787% | 5,607 |
| Core capital (leverage) ratio | 8.7138% | 5,159 |
| Tier 1 risk-based capital ratio | 13.8794% | 3,932 |
| Total risk-based capital ratio | 15.1575% | 3,878 |
| Memoranda: | ||
| Average total assets | $17,574,000 | 7,616 |
| Average earning assets | $16,631,500 | 7,580 |
| Average equity | $1,571,500 | 7,675 |
| Average total loans | $8,617,500 | 7,539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 6,405 |
| Cost of funding earning assets | 0.8541% | 6,745 |
| Net interest margin | 3.7653% | 4,068 |
| Noninterest income to average assets | 0.8765% | 1,774 |
| Noninterest expense to average assets | 2.7319% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7075% | 578 |
| Return on assets (ROA) | 1.7075% | 632 |
| Pretax return on assets | 1.7075% | 1,044 |
| Return on Equity (ROE) | 19.1205% | 380 |
| Retained earnings to average equity (ytd only) | 1.6571% | 5,042 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 5,761 |
| Assets per employee ($millions) | 2.8952% | 6,369 |
| Cash dividends to net income (ytd only)* | 91.3333% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 2,801 |
| Loan loss allowance to noncurrent loans | 5,133.3333% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 7,366 |
| Noncurrent loans to loans | 0.0346% | 7,232 |
| Net loans and leases to total assets | 49.0357% | 6,540 |
| Net loans and leases to deposits | 53.9729% | 6,866 |
| Net loans and leases to core deposits | 53.9729% | 7,036 |
| Total domestic deposits to total assets | 90.8526% | 549 |
| Equity capital to assets | 9.0265% | 5,407 |
| Core capital (leverage) ratio | 8.6019% | 5,234 |
| Tier 1 risk-based capital ratio | 13.6461% | 3,980 |
| Total risk-based capital ratio | 14.9176% | 3,922 |
| Memoranda: | ||
| Average total assets | $17,570,000 | 7,680 |
| Average earning assets | $16,625,670 | 7,645 |
| Average equity | $1,569,000 | 7,738 |
| Average total loans | $8,551,000 | 7,604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 6,680 |
| Cost of funding earning assets | 0.8859% | 6,822 |
| Net interest margin | 3.6634% | 4,423 |
| Noninterest income to average assets | 0.8602% | 1,769 |
| Noninterest expense to average assets | 2.6713% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6526% | 681 |
| Return on assets (ROA) | 1.6526% | 730 |
| Pretax return on assets | 1.6526% | 1,157 |
| Return on Equity (ROE) | 18.6047% | 472 |
| Retained earnings to average equity (ytd only) | 2.0389% | 4,903 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7801% | 5,873 |
| Assets per employee ($millions) | 2.9693% | 6,283 |
| Cash dividends to net income (ytd only)* | 89.0411% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 2,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.6931% | 6,703 |
| Net loans and leases to deposits | 52.3698% | 7,018 |
| Net loans and leases to core deposits | 53.2027% | 7,149 |
| Total domestic deposits to total assets | 91.0698% | 513 |
| Equity capital to assets | 8.8179% | 5,511 |
| Core capital (leverage) ratio | 8.5251% | 5,330 |
| Tier 1 risk-based capital ratio | 13.5371% | 3,963 |
| Total risk-based capital ratio | 14.8115% | 3,913 |
| Memoranda: | ||
| Average total assets | $17,669,500 | 7,778 |
| Average earning assets | $16,706,000 | 7,740 |
| Average equity | $1,569,500 | 7,827 |
| Average total loans | $8,490,500 | 7,703 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 6,496 |
| Cost of funding earning assets | 1.0335% | 7,140 |
| Net interest margin | 3.9474% | 3,091 |
| Noninterest income to average assets | 0.9129% | 1,897 |
| Noninterest expense to average assets | 2.8152% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8317% | 335 |
| Return on assets (ROA) | 1.8317% | 342 |
| Pretax return on assets | 1.8317% | 589 |
| Return on Equity (ROE) | 19.9053% | 248 |
| Retained earnings to average equity (ytd only) | 4.2883% | 2,224 |
| Net charge-offs to loans | -0.0660% | 7,863 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5830% | 6,392 |
| Assets per employee ($millions) | 2.9205% | 6,412 |
| Cash dividends to net income (ytd only)* | 78.4566% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 2,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 46.6587% | 6,925 |
| Net loans and leases to deposits | 51.3181% | 7,185 |
| Net loans and leases to core deposits | 62.3932% | 7,177 |
| Total domestic deposits to total assets | 90.9205% | 564 |
| Equity capital to assets | 8.9482% | 5,220 |
| Core capital (leverage) ratio | 8.4878% | 5,299 |
| Tier 1 risk-based capital ratio | 13.4431% | 3,857 |
| Total risk-based capital ratio | 14.7242% | 3,784 |
| Memoranda: | ||
| Average total assets | $16,979,000 | 7,852 |
| Average earning assets | $16,061,400 | 7,820 |
| Average equity | $1,562,400 | 7,916 |
| Average total loans | $7,581,000 | 7,798 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 6,509 |
| Cost of funding earning assets | 1.0446% | 7,294 |
| Net interest margin | 3.9861% | 2,873 |
| Noninterest income to average assets | 0.9182% | 1,910 |
| Noninterest expense to average assets | 2.7548% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9394% | 331 |
| Return on assets (ROA) | 1.9394% | 356 |
| Pretax return on assets | 1.9394% | 605 |
| Return on Equity (ROE) | 20.9263% | 264 |
| Retained earnings to average equity (ytd only) | 7.3453% | 1,377 |
| Net charge-offs to loans | -0.0902% | 7,916 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6847% | 6,617 |
| Assets per employee ($millions) | 2.9127% | 6,374 |
| Cash dividends to net income (ytd only)* | 64.8962% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 1,693 |
| Loan loss allowance to noncurrent loans | 15,400.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,592 |
| Noncurrent loans to loans | 0.0133% | 7,496 |
| Net loans and leases to total assets | 42.1550% | 7,354 |
| Net loans and leases to deposits | 46.4473% | 7,553 |
| Net loans and leases to core deposits | 57.0510% | 7,506 |
| Total domestic deposits to total assets | 90.7588% | 494 |
| Equity capital to assets | 9.0925% | 5,353 |
| Core capital (leverage) ratio | 8.8876% | 4,831 |
| Tier 1 risk-based capital ratio | 14.3743% | 3,342 |
| Total risk-based capital ratio | 15.6614% | 3,269 |
| Memoranda: | ||
| Average total assets | $16,843,000 | 7,939 |
| Average earning assets | $15,954,750 | 7,898 |
| Average equity | $1,561,000 | 8,000 |
| Average total loans | $7,393,750 | 7,884 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0782% | 6,517 |
| Cost of funding earning assets | 1.1045% | 7,369 |
| Net interest margin | 3.9737% | 2,818 |
| Noninterest income to average assets | 0.9380% | 1,806 |
| Noninterest expense to average assets | 2.7778% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9240% | 355 |
| Return on assets (ROA) | 1.9240% | 385 |
| Pretax return on assets | 1.9240% | 661 |
| Return on Equity (ROE) | 20.6229% | 298 |
| Retained earnings to average equity (ytd only) | 11.2137% | 535 |
| Net charge-offs to loans | -0.1360% | 7,996 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0793% | 6,680 |
| Assets per employee ($millions) | 2.8015% | 6,625 |
| Cash dividends to net income (ytd only)* | 45.6250% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.0667% | 7,444 |
| Net loans and leases to deposits | 46.5381% | 7,615 |
| Net loans and leases to core deposits | 53.8005% | 7,659 |
| Total domestic deposits to total assets | 90.3921% | 672 |
| Equity capital to assets | 9.4771% | 4,642 |
| Core capital (leverage) ratio | 8.9964% | 4,638 |
| Tier 1 risk-based capital ratio | 17.0412% | 2,289 |
| Total risk-based capital ratio | 18.2981% | 2,235 |
| Memoranda: | ||
| Average total assets | $16,632,000 | 8,028 |
| Average earning assets | $15,753,670 | 7,981 |
| Average equity | $1,551,670 | 8,085 |
| Average total loans | $7,351,330 | 7,975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 6,900 |
| Cost of funding earning assets | 1.1762% | 7,349 |
| Net interest margin | 3.8353% | 3,315 |
| Noninterest income to average assets | 0.9188% | 1,781 |
| Noninterest expense to average assets | 2.7805% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7650% | 569 |
| Return on assets (ROA) | 1.7650% | 623 |
| Pretax return on assets | 1.7650% | 1,049 |
| Return on Equity (ROE) | 19.0725% | 498 |
| Retained earnings to average equity (ytd only) | 19.0725% | 193 |
| Net charge-offs to loans | -0.1079% | 7,899 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1702% | 6,225 |
| Assets per employee ($millions) | 2.8237% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 1,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.3715% | 7,387 |
| Net loans and leases to deposits | 47.8915% | 7,580 |
| Net loans and leases to core deposits | 54.6767% | 7,660 |
| Total domestic deposits to total assets | 90.5619% | 566 |
| Equity capital to assets | 9.3082% | 4,929 |
| Core capital (leverage) ratio | 8.9945% | 4,723 |
| Tier 1 risk-based capital ratio | 16.4517% | 2,533 |
| Total risk-based capital ratio | 17.7089% | 2,467 |
| Memoranda: | ||
| Average total assets | $16,543,500 | 8,077 |
| Average earning assets | $15,644,000 | 8,033 |
| Average equity | $1,531,000 | 8,147 |
| Average total loans | $7,414,500 | 8,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5961% | 7,082 |
| Cost of funding earning assets | 1.8611% | 6,847 |
| Net interest margin | 3.7349% | 4,303 |
| Noninterest income to average assets | 2.2061% | 296 |
| Noninterest expense to average assets | 2.6835% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.0764% | 65 |
| Return on assets (ROA) | 3.0885% | 62 |
| Pretax return on assets | 3.0885% | 92 |
| Return on Equity (ROE) | 33.5522% | 34 |
| Retained earnings to average equity (ytd only) | -5.3841% | 6,570 |
| Net charge-offs to loans | -0.0131% | 7,882 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5897% | 7,897 |
| Assets per employee ($millions) | 2.6908% | 6,808 |
| Cash dividends to net income (ytd only)* | 116.0470% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 1,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.4782% | 7,438 |
| Net loans and leases to deposits | 49.0841% | 7,667 |
| Net loans and leases to core deposits | 57.2465% | 7,698 |
| Total domestic deposits to total assets | 90.6163% | 450 |
| Equity capital to assets | 9.1979% | 5,085 |
| Core capital (leverage) ratio | 8.6568% | 5,272 |
| Tier 1 risk-based capital ratio | 16.1669% | 2,599 |
| Total risk-based capital ratio | 17.4200% | 2,533 |
| Memoranda: | ||
| Average total assets | $16,545,400 | 8,120 |
| Average earning assets | $15,743,200 | 8,087 |
| Average equity | $1,523,000 | 8,212 |
| Average total loans | $7,643,800 | 8,049 |