Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & 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 | 5.5551% | 1,971 |
| Cost of funding earning assets | 1.8676% | 2,272 |
| Net interest margin | 3.6874% | 1,907 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 3.2226% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4664% | 3,624 |
| Return on assets (ROA) | 0.4664% | 3,640 |
| Pretax return on assets | 0.4664% | 3,757 |
| Return on Equity (ROE) | 3.9500% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.9462% | 2,863 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 87.3563% | 597 |
| Assets per employee ($millions) | 4.8988% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2458% | 282 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 27.7700% | 4,225 |
| Net loans and leases to deposits | 31.4745% | 4,242 |
| Net loans and leases to core deposits | 31.9608% | 4,248 |
| Total domestic deposits to total assets | 88.2200% | 1,479 |
| Equity capital to assets | 11.4366% | 1,445 |
| Core capital (leverage) ratio | 11.5545% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $18,866,500 | 4,394 |
| Average earning assets | $16,705,500 | 4,371 |
| Average equity | $2,230,000 | 4,385 |
| Average total loans | $5,555,500 | 4,340 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1525% | 1,104 |
| Cost of funding earning assets | 1.9531% | 2,334 |
| Net interest margin | 4.1994% | 935 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 3.3954% | 667 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.4938% | 3,487 |
| Return on assets (ROA) | 0.4938% | 3,505 |
| Pretax return on assets | 0.4938% | 3,660 |
| Return on Equity (ROE) | 3.9500% | 3,712 |
| Retained earnings to average equity (ytd only) | 1.2872% | 3,601 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 84.2975% | 774 |
| Assets per employee ($millions) | 4.5345% | 3,905 |
| Cash dividends to net income (ytd only)* | 67.4157% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 263 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 29.8800% | 4,224 |
| Net loans and leases to deposits | 34.2217% | 4,238 |
| Net loans and leases to core deposits | 34.7840% | 4,252 |
| Total domestic deposits to total assets | 87.3000% | 1,774 |
| Equity capital to assets | 12.2340% | 1,095 |
| Core capital (leverage) ratio | 12.0696% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $18,024,400 | 4,424 |
| Average earning assets | $16,026,000 | 4,404 |
| Average equity | $2,253,000 | 4,405 |
| Average total loans | $5,859,800 | 4,359 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2359% | 962 |
| Cost of funding earning assets | 1.9451% | 2,345 |
| Net interest margin | 4.2908% | 813 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.8080% | 1,448 |
| Loan and lease loss provision to assets | 0.1800% | 677 |
| Net operating income to assets | 1.1336% | 1,668 |
| Return on assets (ROA) | 1.1336% | 1,674 |
| Pretax return on assets | 1.1336% | 2,163 |
| Return on Equity (ROE) | 9.0200% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.0203% | 1,115 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 68.0431% | 2,262 |
| Assets per employee ($millions) | 4.6128% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 305 |
| 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 | 30.6900% | 4,247 |
| Net loans and leases to deposits | 35.3341% | 4,269 |
| Net loans and leases to core deposits | 35.9077% | 4,277 |
| Total domestic deposits to total assets | 86.8600% | 1,641 |
| Equity capital to assets | 12.6931% | 1,054 |
| Core capital (leverage) ratio | 12.7490% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $17,996,000 | 4,451 |
| Average earning assets | $15,971,750 | 4,434 |
| Average equity | $2,261,500 | 4,437 |
| Average total loans | $5,938,500 | 4,388 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1886% | 929 |
| Cost of funding earning assets | 1.8780% | 2,413 |
| Net interest margin | 4.3106% | 776 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 2.8132% | 1,430 |
| Loan and lease loss provision to assets | 0.2800% | 362 |
| Net operating income to assets | 1.0872% | 1,748 |
| Return on assets (ROA) | 1.0872% | 1,747 |
| Pretax return on assets | 1.0872% | 2,245 |
| Return on Equity (ROE) | 8.6800% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.6814% | 1,177 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 67.2922% | 2,406 |
| Assets per employee ($millions) | 4.6578% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5455% | 215 |
| 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 | 25.8900% | 4,323 |
| Net loans and leases to deposits | 29.6515% | 4,337 |
| Net loans and leases to core deposits | 29.6515% | 4,332 |
| Total domestic deposits to total assets | 87.3200% | 1,532 |
| Equity capital to assets | 12.2752% | 1,074 |
| Core capital (leverage) ratio | 12.8346% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $17,844,333 | 4,474 |
| Average earning assets | $15,868,000 | 4,452 |
| Average equity | $2,234,667 | 4,452 |
| Average total loans | $5,988,333 | 4,410 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2016% | 843 |
| Cost of funding earning assets | 1.7938% | 2,520 |
| Net interest margin | 4.4077% | 664 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 3.2777% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8939% | 2,248 |
| Return on assets (ROA) | 0.8939% | 2,264 |
| Pretax return on assets | 0.8939% | 2,682 |
| Return on Equity (ROE) | 7.0600% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.0636% | 1,818 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 78.5714% | 1,305 |
| Assets per employee ($millions) | 4.3675% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,033 |
| 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 | 37.5800% | 4,099 |
| Net loans and leases to deposits | 43.2477% | 4,110 |
| Net loans and leases to core deposits | 43.2477% | 4,220 |
| Total domestic deposits to total assets | 86.8900% | 1,815 |
| Equity capital to assets | 12.7533% | 924 |
| Core capital (leverage) ratio | 12.5401% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $17,451,000 | 4,506 |
| Average earning assets | $15,609,000 | 4,479 |
| Average equity | $2,208,500 | 4,478 |
| Average total loans | $6,507,500 | 4,432 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6705% | 963 |
| Cost of funding earning assets | 1.4022% | 2,224 |
| Net interest margin | 4.2683% | 848 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 3.1137% | 941 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.8332% | 2,765 |
| Return on assets (ROA) | 0.8332% | 2,745 |
| Pretax return on assets | 0.8332% | 3,133 |
| Return on Equity (ROE) | 6.8000% | 3,328 |
| Retained earnings to average equity (ytd only) | 2.1033% | 3,557 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.2416% | 1,226 |
| Assets per employee ($millions) | 4.3580% | 4,015 |
| Cash dividends to net income (ytd only)* | 69.0789% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 855 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.8400% | 4,162 |
| Net loans and leases to deposits | 41.2001% | 4,171 |
| Net loans and leases to core deposits | 41.2001% | 4,268 |
| Total domestic deposits to total assets | 87.0000% | 1,682 |
| Equity capital to assets | 12.5574% | 976 |
| Core capital (leverage) ratio | 12.4170% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $18,242,000 | 4,524 |
| Average earning assets | $16,189,000 | 4,492 |
| Average equity | $2,234,600 | 4,476 |
| Average total loans | $6,439,400 | 4,447 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 1,034 |
| Cost of funding earning assets | 1.2886% | 2,178 |
| Net interest margin | 4.1922% | 933 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.4650% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5469% | 1,030 |
| Return on assets (ROA) | 1.5469% | 1,021 |
| Pretax return on assets | 1.5469% | 1,472 |
| Return on Equity (ROE) | 12.7000% | 1,957 |
| Retained earnings to average equity (ytd only) | 12.7037% | 854 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.4414% | 2,792 |
| Assets per employee ($millions) | 4.4345% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,799 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 32.1700% | 4,281 |
| Net loans and leases to deposits | 37.2527% | 4,272 |
| Net loans and leases to core deposits | 37.2527% | 4,307 |
| Total domestic deposits to total assets | 86.3500% | 2,087 |
| Equity capital to assets | 13.2879% | 763 |
| Core capital (leverage) ratio | 12.9955% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $18,444,500 | 4,550 |
| Average earning assets | $16,347,500 | 4,520 |
| Average equity | $2,246,000 | 4,493 |
| Average total loans | $6,462,000 | 4,469 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 1,130 |
| Cost of funding earning assets | 1.1461% | 2,142 |
| Net interest margin | 4.1140% | 1,065 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.5054% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4668% | 1,174 |
| Return on assets (ROA) | 1.4668% | 1,160 |
| Pretax return on assets | 1.4668% | 1,658 |
| Return on Equity (ROE) | 12.4000% | 2,042 |
| Retained earnings to average equity (ytd only) | 12.4038% | 907 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.0728% | 2,585 |
| Assets per employee ($millions) | 4.5393% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 2,798 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 36.6500% | 4,159 |
| Net loans and leases to deposits | 42.0245% | 4,159 |
| Net loans and leases to core deposits | 42.0245% | 4,214 |
| Total domestic deposits to total assets | 87.2200% | 1,862 |
| Equity capital to assets | 12.5571% | 916 |
| Core capital (leverage) ratio | 12.7403% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $18,680,000 | 4,580 |
| Average earning assets | $16,577,667 | 4,548 |
| Average equity | $2,209,000 | 4,526 |
| Average total loans | $6,688,667 | 4,499 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 1,119 |
| Cost of funding earning assets | 0.9750% | 2,132 |
| Net interest margin | 4.0904% | 1,112 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.7664% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2882% | 1,705 |
| Return on assets (ROA) | 1.2882% | 1,679 |
| Pretax return on assets | 1.2882% | 2,212 |
| Return on Equity (ROE) | 11.2300% | 2,431 |
| Retained earnings to average equity (ytd only) | 11.2261% | 1,423 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.2292% | 1,945 |
| Assets per employee ($millions) | 4.7250% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,125 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 36.6200% | 4,167 |
| Net loans and leases to deposits | 41.5177% | 4,179 |
| Net loans and leases to core deposits | 41.5177% | 4,229 |
| Total domestic deposits to total assets | 88.2000% | 1,856 |
| Equity capital to assets | 11.6614% | 1,100 |
| Core capital (leverage) ratio | 11.6487% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $18,941,500 | 4,639 |
| Average earning assets | $16,820,000 | 4,614 |
| Average equity | $2,173,500 | 4,598 |
| Average total loans | $6,667,500 | 4,567 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 3,079 |
| Cost of funding earning assets | 0.3860% | 2,211 |
| Net interest margin | 3.1117% | 3,146 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.5708% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4448% | 4,180 |
| Return on assets (ROA) | 0.4448% | 4,141 |
| Pretax return on assets | 0.4448% | 4,232 |
| Return on Equity (ROE) | 4.0300% | 4,159 |
| Retained earnings to average equity (ytd only) | 1.9218% | 3,994 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.2487% | 444 |
| Assets per employee ($millions) | 4.7458% | 3,858 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,390 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 32.9900% | 4,312 |
| Net loans and leases to deposits | 37.2228% | 4,318 |
| Net loans and leases to core deposits | 37.2228% | 4,351 |
| Total domestic deposits to total assets | 88.6200% | 1,838 |
| Equity capital to assets | 11.2890% | 1,149 |
| Core capital (leverage) ratio | 10.8815% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $19,332,800 | 4,671 |
| Average earning assets | $17,097,000 | 4,643 |
| Average equity | $2,133,400 | 4,670 |
| Average total loans | $5,970,600 | 4,611 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 3,707 |
| Cost of funding earning assets | 0.2727% | 2,460 |
| Net interest margin | 2.8127% | 3,711 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.2382% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5149% | 4,044 |
| Return on assets (ROA) | 0.5149% | 3,990 |
| Pretax return on assets | 0.5149% | 4,125 |
| Return on Equity (ROE) | 4.6900% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.6925% | 3,200 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.2968% | 696 |
| Assets per employee ($millions) | 4.8715% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 31.7200% | 4,384 |
| Net loans and leases to deposits | 35.7205% | 4,373 |
| Net loans and leases to core deposits | 35.7205% | 4,408 |
| Total domestic deposits to total assets | 88.7900% | 2,167 |
| Equity capital to assets | 11.1670% | 1,120 |
| Core capital (leverage) ratio | 11.1321% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $19,420,250 | 4,708 |
| Average earning assets | $17,112,250 | 4,680 |
| Average equity | $2,131,000 | 4,709 |
| Average total loans | $5,878,750 | 4,649 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7548% | 4,058 |
| Cost of funding earning assets | 0.1993% | 2,919 |
| Net interest margin | 2.5555% | 3,993 |
| Noninterest income to average assets | 0.3093% | 3,308 |
| Noninterest expense to average assets | 2.1754% | 2,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3815% | 4,142 |
| Return on assets (ROA) | 0.3815% | 4,095 |
| Pretax return on assets | 0.3815% | 4,185 |
| Return on Equity (ROE) | 3.4972% | 4,137 |
| Retained earnings to average equity (ytd only) | 3.4972% | 3,279 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0806% | 621 |
| Assets per employee ($millions) | 4.8880% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 29.4292% | 4,479 |
| Net loans and leases to deposits | 33.0652% | 4,469 |
| Net loans and leases to core deposits | 33.0652% | 4,505 |
| Total domestic deposits to total assets | 89.0037% | 2,186 |
| Equity capital to assets | 10.9401% | 1,238 |
| Core capital (leverage) ratio | 10.9552% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,398,333 | 4,742 |
| Average earning assets | $17,061,000 | 4,730 |
| Average equity | $2,116,000 | 4,737 |
| Average total loans | $5,753,000 | 4,715 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6692% | 3,999 |
| Cost of funding earning assets | 0.2089% | 2,682 |
| Net interest margin | 2.4603% | 3,975 |
| Noninterest income to average assets | 0.3933% | 2,733 |
| Noninterest expense to average assets | 2.4429% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1449% | 4,411 |
| Return on assets (ROA) | 0.1449% | 4,379 |
| Pretax return on assets | 0.1449% | 4,398 |
| Return on Equity (ROE) | 1.3305% | 4,369 |
| Retained earnings to average equity (ytd only) | 1.3305% | 3,739 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4000% | 378 |
| Assets per employee ($millions) | 4.6955% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,974 |
| 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 | 28.8201% | 4,483 |
| Net loans and leases to deposits | 32.4832% | 4,482 |
| Net loans and leases to core deposits | 32.4832% | 4,519 |
| Total domestic deposits to total assets | 88.7232% | 2,201 |
| Equity capital to assets | 11.2235% | 1,223 |
| Core capital (leverage) ratio | 10.7381% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,321,500 | 4,765 |
| Average earning assets | $17,233,500 | 4,755 |
| Average equity | $2,104,500 | 4,766 |
| Average total loans | $5,714,500 | 4,743 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6641% | 4,345 |
| Cost of funding earning assets | 0.2475% | 2,961 |
| Net interest margin | 2.4167% | 4,304 |
| Noninterest income to average assets | 0.2022% | 4,155 |
| Noninterest expense to average assets | 2.1663% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2455% | 4,486 |
| Return on assets (ROA) | 0.2455% | 4,503 |
| Pretax return on assets | 0.2455% | 4,531 |
| Return on Equity (ROE) | 2.4184% | 4,452 |
| Retained earnings to average equity (ytd only) | 0.9958% | 4,262 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8204% | 337 |
| Assets per employee ($millions) | 4.9653% | 3,760 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 29.5252% | 4,526 |
| Net loans and leases to deposits | 33.0459% | 4,558 |
| Net loans and leases to core deposits | 34.5470% | 4,543 |
| Total domestic deposits to total assets | 89.3460% | 1,328 |
| Equity capital to assets | 10.5785% | 2,108 |
| Core capital (leverage) ratio | 10.4268% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,772,800 | 4,802 |
| Average earning assets | $18,993,000 | 4,788 |
| Average equity | $2,108,800 | 4,810 |
| Average total loans | $6,220,600 | 4,781 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6796% | 4,426 |
| Cost of funding earning assets | 0.2569% | 3,049 |
| Net interest margin | 2.4228% | 4,370 |
| Noninterest income to average assets | 0.2095% | 4,149 |
| Noninterest expense to average assets | 2.0189% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4063% | 4,367 |
| Return on assets (ROA) | 0.4063% | 4,394 |
| Pretax return on assets | 0.4063% | 4,484 |
| Return on Equity (ROE) | 4.0427% | 4,294 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,567 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2461% | 561 |
| Assets per employee ($millions) | 4.9828% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,663 |
| 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 | 29.8179% | 4,595 |
| Net loans and leases to deposits | 33.4346% | 4,639 |
| Net loans and leases to core deposits | 34.9506% | 4,631 |
| Total domestic deposits to total assets | 89.1827% | 1,179 |
| Equity capital to assets | 10.7571% | 2,211 |
| Core capital (leverage) ratio | 10.3470% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,000,750 | 4,872 |
| Average earning assets | $19,206,250 | 4,859 |
| Average equity | $2,110,750 | 4,881 |
| Average total loans | $6,290,750 | 4,850 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6774% | 4,482 |
| Cost of funding earning assets | 0.2657% | 3,127 |
| Net interest margin | 2.4117% | 4,410 |
| Noninterest income to average assets | 0.2060% | 4,171 |
| Noninterest expense to average assets | 2.0227% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3933% | 4,396 |
| Return on assets (ROA) | 0.3933% | 4,434 |
| Pretax return on assets | 0.3933% | 4,508 |
| Return on Equity (ROE) | 4.0006% | 4,332 |
| Retained earnings to average equity (ytd only) | 4.0006% | 3,518 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7209% | 566 |
| Assets per employee ($millions) | 5.3253% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,443 |
| 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 | 27.1208% | 4,726 |
| Net loans and leases to deposits | 30.1482% | 4,751 |
| Net loans and leases to core deposits | 31.5252% | 4,751 |
| Total domestic deposits to total assets | 89.9582% | 800 |
| Equity capital to assets | 9.9620% | 2,885 |
| Core capital (leverage) ratio | 9.8510% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,357,333 | 4,908 |
| Average earning assets | $19,571,333 | 4,889 |
| Average equity | $2,099,667 | 4,917 |
| Average total loans | $6,381,333 | 4,885 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6460% | 4,533 |
| Cost of funding earning assets | 0.2828% | 3,165 |
| Net interest margin | 2.3632% | 4,456 |
| Noninterest income to average assets | 0.2057% | 4,150 |
| Noninterest expense to average assets | 2.0762% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3180% | 4,492 |
| Return on assets (ROA) | 0.3180% | 4,529 |
| Pretax return on assets | 0.3180% | 4,583 |
| Return on Equity (ROE) | 3.2559% | 4,427 |
| Retained earnings to average equity (ytd only) | 3.2559% | 3,701 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7188% | 487 |
| Assets per employee ($millions) | 5.4148% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 3,015 |
| 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 | 29.3181% | 4,714 |
| Net loans and leases to deposits | 32.4941% | 4,758 |
| Net loans and leases to core deposits | 34.6238% | 4,745 |
| Total domestic deposits to total assets | 90.2258% | 710 |
| Equity capital to assets | 9.6819% | 3,025 |
| Core capital (leverage) ratio | 9.7571% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,385,500 | 4,933 |
| Average earning assets | $19,803,500 | 4,914 |
| Average equity | $2,088,500 | 4,943 |
| Average total loans | $6,645,500 | 4,909 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2342% | 4,413 |
| Cost of funding earning assets | 0.4474% | 3,298 |
| Net interest margin | 2.7868% | 4,282 |
| Noninterest income to average assets | 0.2018% | 4,262 |
| Noninterest expense to average assets | 2.3058% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5046% | 4,019 |
| Return on assets (ROA) | 0.5046% | 4,103 |
| Pretax return on assets | 0.5046% | 4,261 |
| Return on Equity (ROE) | 4.7920% | 3,956 |
| Retained earnings to average equity (ytd only) | 1.9168% | 3,863 |
| Net charge-offs to loans | 0.0424% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 1,523 |
| Efficiency ratio | 82.0467% | 745 |
| Assets per employee ($millions) | 5.2780% | 3,071 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 32.1571% | 4,703 |
| Net loans and leases to deposits | 35.7391% | 4,750 |
| Net loans and leases to core deposits | 38.1297% | 4,736 |
| Total domestic deposits to total assets | 89.9773% | 575 |
| Equity capital to assets | 9.8522% | 3,261 |
| Core capital (leverage) ratio | 10.2287% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,819,400 | 4,957 |
| Average earning assets | $18,552,000 | 4,938 |
| Average equity | $2,086,800 | 4,966 |
| Average total loans | $7,082,600 | 4,932 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 4,417 |
| Cost of funding earning assets | 0.4814% | 3,347 |
| Net interest margin | 2.8668% | 4,238 |
| Noninterest income to average assets | 0.2052% | 4,243 |
| Noninterest expense to average assets | 2.2158% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6770% | 3,535 |
| Return on assets (ROA) | 0.6770% | 3,644 |
| Pretax return on assets | 0.6770% | 3,951 |
| Return on Equity (ROE) | 6.3202% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.3202% | 1,964 |
| Net charge-offs to loans | 0.0560% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,511 |
| Efficiency ratio | 76.5957% | 1,149 |
| Assets per employee ($millions) | 4.9523% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 36.5894% | 4,659 |
| Net loans and leases to deposits | 41.1001% | 4,716 |
| Net loans and leases to core deposits | 43.9033% | 4,714 |
| Total domestic deposits to total assets | 89.0252% | 757 |
| Equity capital to assets | 10.7931% | 2,549 |
| Core capital (leverage) ratio | 10.7007% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,496,250 | 4,985 |
| Average earning assets | $18,277,750 | 4,971 |
| Average equity | $2,088,500 | 4,997 |
| Average total loans | $7,137,000 | 4,961 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4429% | 4,492 |
| Cost of funding earning assets | 0.5280% | 3,362 |
| Net interest margin | 2.9149% | 4,285 |
| Noninterest income to average assets | 0.1960% | 4,297 |
| Noninterest expense to average assets | 2.2896% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6394% | 3,611 |
| Return on assets (ROA) | 0.6394% | 3,698 |
| Pretax return on assets | 0.6394% | 3,988 |
| Return on Equity (ROE) | 5.9846% | 3,515 |
| Retained earnings to average equity (ytd only) | 5.9846% | 2,088 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1690% | 1,041 |
| Assets per employee ($millions) | 4.8693% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.4406% | 4,768 |
| Net loans and leases to deposits | 38.6985% | 4,817 |
| Net loans and leases to core deposits | 41.3819% | 4,806 |
| Total domestic deposits to total assets | 88.9973% | 744 |
| Equity capital to assets | 10.7974% | 2,495 |
| Core capital (leverage) ratio | 10.6719% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,392,000 | 5,015 |
| Average earning assets | $18,182,333 | 5,002 |
| Average equity | $2,072,000 | 5,029 |
| Average total loans | $7,074,667 | 4,996 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 4,477 |
| Cost of funding earning assets | 0.5493% | 3,698 |
| Net interest margin | 3.0981% | 4,099 |
| Noninterest income to average assets | 0.2067% | 4,311 |
| Noninterest expense to average assets | 2.4600% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6615% | 3,402 |
| Return on assets (ROA) | 0.6615% | 3,463 |
| Pretax return on assets | 0.6615% | 3,788 |
| Return on Equity (ROE) | 6.2242% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.2242% | 1,796 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8079% | 1,256 |
| Assets per employee ($millions) | 4.9343% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 3,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 35.3144% | 4,805 |
| Net loans and leases to deposits | 39.5461% | 4,843 |
| Net loans and leases to core deposits | 42.2399% | 4,839 |
| Total domestic deposits to total assets | 89.2993% | 546 |
| Equity capital to assets | 10.5031% | 3,317 |
| Core capital (leverage) ratio | 10.5663% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4564% | 603 |
| Memoranda: | ||
| Average total assets | $19,349,500 | 5,065 |
| Average earning assets | $18,204,500 | 5,047 |
| Average equity | $2,056,500 | 5,078 |
| Average total loans | $7,218,500 | 5,040 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 4,226 |
| Cost of funding earning assets | 0.6225% | 3,544 |
| Net interest margin | 3.3927% | 3,772 |
| Noninterest income to average assets | 0.2622% | 4,111 |
| Noninterest expense to average assets | 2.5535% | 3,309 |
| Loan and lease loss provision to assets | 0.1049% | 1,973 |
| Net operating income to assets | 0.7760% | 3,628 |
| Return on assets (ROA) | 0.7760% | 3,705 |
| Pretax return on assets | 0.7760% | 4,028 |
| Return on Equity (ROE) | 7.1126% | 3,515 |
| Retained earnings to average equity (ytd only) | 2.0665% | 3,965 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3511% | 1,566 |
| Assets per employee ($millions) | 4.7405% | 2,909 |
| Cash dividends to net income (ytd only)* | 70.9459% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 38.5455% | 4,785 |
| Net loans and leases to deposits | 43.2895% | 4,843 |
| Net loans and leases to core deposits | 46.3563% | 4,829 |
| Total domestic deposits to total assets | 89.0412% | 653 |
| Equity capital to assets | 10.7584% | 3,214 |
| Core capital (leverage) ratio | 10.7419% | 2,725 |
| Tier 1 risk-based capital ratio | 22.4299% | 973 |
| Total risk-based capital ratio | 23.2985% | 998 |
| Memoranda: | ||
| Average total assets | $19,072,000 | 5,123 |
| Average earning assets | $17,832,400 | 5,106 |
| Average equity | $2,080,800 | 5,133 |
| Average total loans | $6,733,200 | 5,110 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 4,229 |
| Cost of funding earning assets | 0.6439% | 3,484 |
| Net interest margin | 3.4218% | 3,805 |
| Noninterest income to average assets | 0.2513% | 4,235 |
| Noninterest expense to average assets | 1.9337% | 4,665 |
| Loan and lease loss provision to assets | 0.1396% | 1,384 |
| Net operating income to assets | 1.3683% | 1,581 |
| Return on assets (ROA) | 1.3683% | 1,646 |
| Pretax return on assets | 1.3683% | 2,425 |
| Return on Equity (ROE) | 12.4978% | 1,445 |
| Retained earnings to average equity (ytd only) | 12.4978% | 327 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1866% | 4,152 |
| Assets per employee ($millions) | 4.5633% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 2,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 38.6238% | 4,860 |
| Net loans and leases to deposits | 43.9828% | 4,910 |
| Net loans and leases to core deposits | 46.3450% | 4,910 |
| Total domestic deposits to total assets | 87.8157% | 1,125 |
| Equity capital to assets | 12.0199% | 2,249 |
| Core capital (leverage) ratio | 11.4633% | 2,248 |
| Tier 1 risk-based capital ratio | 25.6665% | 728 |
| Total risk-based capital ratio | 26.5903% | 741 |
| Memoranda: | ||
| Average total assets | $19,099,500 | 5,203 |
| Average earning assets | $17,806,750 | 5,185 |
| Average equity | $2,091,000 | 5,208 |
| Average total loans | $6,569,500 | 5,191 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 4,569 |
| Cost of funding earning assets | 0.6208% | 3,548 |
| Net interest margin | 3.2700% | 4,198 |
| Noninterest income to average assets | 0.2786% | 4,068 |
| Noninterest expense to average assets | 2.0535% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2692% | 1,881 |
| Return on assets (ROA) | 1.2692% | 1,950 |
| Pretax return on assets | 1.2692% | 2,679 |
| Return on Equity (ROE) | 11.9611% | 1,591 |
| Retained earnings to average equity (ytd only) | 11.9611% | 411 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8012% | 3,467 |
| Assets per employee ($millions) | 4.8358% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 33.8624% | 5,030 |
| Net loans and leases to deposits | 38.1257% | 5,076 |
| Net loans and leases to core deposits | 41.0452% | 5,061 |
| Total domestic deposits to total assets | 88.8177% | 740 |
| Equity capital to assets | 10.9652% | 3,103 |
| Core capital (leverage) ratio | 11.0931% | 2,510 |
| Tier 1 risk-based capital ratio | 24.2535% | 824 |
| Total risk-based capital ratio | 24.9285% | 862 |
| Memoranda: | ||
| Average total assets | $19,381,670 | 5,246 |
| Average earning assets | $18,042,670 | 5,231 |
| Average equity | $2,056,670 | 5,255 |
| Average total loans | $6,383,000 | 5,242 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8058% | 4,702 |
| Cost of funding earning assets | 0.5720% | 3,719 |
| Net interest margin | 3.2338% | 4,322 |
| Noninterest income to average assets | 0.2062% | 4,510 |
| Noninterest expense to average assets | 2.1442% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0927% | 2,502 |
| Return on assets (ROA) | 1.0927% | 2,543 |
| Pretax return on assets | 1.0927% | 3,171 |
| Return on Equity (ROE) | 10.4717% | 2,165 |
| Retained earnings to average equity (ytd only) | 10.4717% | 927 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2420% | 2,911 |
| Assets per employee ($millions) | 4.7798% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 4,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 33.1555% | 5,091 |
| Net loans and leases to deposits | 37.2073% | 5,128 |
| Net loans and leases to core deposits | 40.0822% | 5,107 |
| Total domestic deposits to total assets | 89.1103% | 812 |
| Equity capital to assets | 10.7275% | 3,134 |
| Core capital (leverage) ratio | 10.4881% | 3,064 |
| Tier 1 risk-based capital ratio | 23.9682% | 844 |
| Total risk-based capital ratio | 24.6580% | 869 |
| Memoranda: | ||
| Average total assets | $19,401,000 | 5,301 |
| Average earning assets | $18,183,000 | 5,286 |
| Average equity | $2,024,500 | 5,309 |
| Average total loans | $6,270,000 | 5,303 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 4,780 |
| Cost of funding earning assets | 0.4073% | 3,944 |
| Net interest margin | 3.2079% | 4,471 |
| Noninterest income to average assets | 0.2808% | 4,221 |
| Noninterest expense to average assets | 2.4961% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7748% | 3,897 |
| Return on assets (ROA) | 0.7748% | 3,898 |
| Pretax return on assets | 0.7748% | 4,235 |
| Return on Equity (ROE) | 7.3190% | 3,721 |
| Retained earnings to average equity (ytd only) | 2.1613% | 4,288 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3116% | 1,313 |
| Assets per employee ($millions) | 4.9208% | 2,590 |
| Cash dividends to net income (ytd only)* | 70.4698% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 3,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 30.9048% | 5,192 |
| Net loans and leases to deposits | 34.4568% | 5,219 |
| Net loans and leases to core deposits | 36.9945% | 5,209 |
| Total domestic deposits to total assets | 89.6916% | 579 |
| Equity capital to assets | 10.1509% | 3,526 |
| Core capital (leverage) ratio | 10.1144% | 3,442 |
| Tier 1 risk-based capital ratio | 23.3166% | 882 |
| Total risk-based capital ratio | 24.0051% | 908 |
| Memoranda: | ||
| Average total assets | $19,230,200 | 5,351 |
| Average earning assets | $17,924,600 | 5,335 |
| Average equity | $2,035,800 | 5,352 |
| Average total loans | $6,195,800 | 5,343 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 4,919 |
| Cost of funding earning assets | 0.3600% | 4,116 |
| Net interest margin | 3.1502% | 4,614 |
| Noninterest income to average assets | 0.2999% | 4,144 |
| Noninterest expense to average assets | 1.8761% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3530% | 1,651 |
| Return on assets (ROA) | 1.3530% | 1,660 |
| Pretax return on assets | 1.3530% | 2,413 |
| Return on Equity (ROE) | 12.6469% | 1,563 |
| Retained earnings to average equity (ytd only) | 12.6469% | 397 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0994% | 4,108 |
| Assets per employee ($millions) | 4.6473% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 31.3088% | 5,254 |
| Net loans and leases to deposits | 35.4403% | 5,285 |
| Net loans and leases to core deposits | 38.7742% | 5,255 |
| Total domestic deposits to total assets | 88.3426% | 1,101 |
| Equity capital to assets | 11.5498% | 2,226 |
| Core capital (leverage) ratio | 11.3472% | 2,289 |
| Tier 1 risk-based capital ratio | 26.7040% | 636 |
| Total risk-based capital ratio | 27.4378% | 658 |
| Memoranda: | ||
| Average total assets | $19,117,000 | 5,420 |
| Average earning assets | $17,776,500 | 5,407 |
| Average equity | $2,045,250 | 5,423 |
| Average total loans | $6,209,250 | 5,414 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 4,950 |
| Cost of funding earning assets | 0.3242% | 4,246 |
| Net interest margin | 3.1521% | 4,613 |
| Noninterest income to average assets | 0.3006% | 4,168 |
| Noninterest expense to average assets | 1.9074% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3165% | 1,709 |
| Return on assets (ROA) | 1.3165% | 1,709 |
| Pretax return on assets | 1.3165% | 2,444 |
| Return on Equity (ROE) | 12.6285% | 1,501 |
| Retained earnings to average equity (ytd only) | 12.6285% | 433 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1640% | 4,058 |
| Assets per employee ($millions) | 4.7888% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 4,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 31.6941% | 5,294 |
| Net loans and leases to deposits | 35.6133% | 5,326 |
| Net loans and leases to core deposits | 38.1872% | 5,320 |
| Total domestic deposits to total assets | 88.9950% | 939 |
| Equity capital to assets | 10.8588% | 2,776 |
| Core capital (leverage) ratio | 10.9676% | 2,557 |
| Tier 1 risk-based capital ratio | 24.5892% | 778 |
| Total risk-based capital ratio | 25.2867% | 800 |
| Memoranda: | ||
| Average total assets | $19,293,000 | 5,485 |
| Average earning assets | $17,892,670 | 5,470 |
| Average equity | $2,011,330 | 5,486 |
| Average total loans | $6,319,330 | 5,476 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 4,912 |
| Cost of funding earning assets | 0.3124% | 4,252 |
| Net interest margin | 3.1688% | 4,557 |
| Noninterest income to average assets | 0.1859% | 4,911 |
| Noninterest expense to average assets | 2.1279% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9916% | 2,881 |
| Return on assets (ROA) | 0.9916% | 2,908 |
| Pretax return on assets | 0.9916% | 3,565 |
| Return on Equity (ROE) | 9.7117% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.7117% | 1,255 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2119% | 2,795 |
| Assets per employee ($millions) | 4.9078% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 4,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 31.4146% | 5,334 |
| Net loans and leases to deposits | 35.0219% | 5,377 |
| Net loans and leases to core deposits | 37.4666% | 5,363 |
| Total domestic deposits to total assets | 89.7000% | 782 |
| Equity capital to assets | 10.1931% | 3,403 |
| Core capital (leverage) ratio | 10.1234% | 3,395 |
| Tier 1 risk-based capital ratio | 22.9736% | 944 |
| Total risk-based capital ratio | 23.6510% | 985 |
| Memoranda: | ||
| Average total assets | $19,362,000 | 5,547 |
| Average earning assets | $17,925,000 | 5,534 |
| Average equity | $1,977,000 | 5,545 |
| Average total loans | $6,414,000 | 5,538 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2290% | 5,159 |
| Cost of funding earning assets | 0.2609% | 4,474 |
| Net interest margin | 2.9682% | 4,953 |
| Noninterest income to average assets | 0.2090% | 4,890 |
| Noninterest expense to average assets | 2.4442% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5092% | 4,354 |
| Return on assets (ROA) | 0.5092% | 4,387 |
| Pretax return on assets | 0.5092% | 4,916 |
| Return on Equity (ROE) | 4.8199% | 4,233 |
| Retained earnings to average equity (ytd only) | 1.7757% | 4,250 |
| Net charge-offs to loans | -0.1424% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7586% | 873 |
| Assets per employee ($millions) | 4.7733% | 2,766 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 4,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 34.2691% | 5,338 |
| Net loans and leases to deposits | 38.2185% | 5,386 |
| Net loans and leases to core deposits | 40.9629% | 5,361 |
| Total domestic deposits to total assets | 89.6664% | 700 |
| Equity capital to assets | 10.2289% | 3,460 |
| Core capital (leverage) ratio | 9.9867% | 3,474 |
| Tier 1 risk-based capital ratio | 21.6040% | 1,062 |
| Total risk-based capital ratio | 22.2566% | 1,124 |
| Memoranda: | ||
| Average total assets | $18,656,400 | 5,613 |
| Average earning assets | $17,249,800 | 5,600 |
| Average equity | $1,971,000 | 5,608 |
| Average total loans | $6,319,600 | 5,602 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 5,285 |
| Cost of funding earning assets | 0.2411% | 4,651 |
| Net interest margin | 2.9162% | 5,068 |
| Noninterest income to average assets | 0.1797% | 5,116 |
| Noninterest expense to average assets | 1.9697% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9058% | 3,004 |
| Return on assets (ROA) | 0.9058% | 3,060 |
| Pretax return on assets | 0.9058% | 4,021 |
| Return on Equity (ROE) | 8.5042% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.5042% | 1,016 |
| Net charge-offs to loans | -0.1920% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5000% | 2,784 |
| Assets per employee ($millions) | 4.8343% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 33.0093% | 5,431 |
| Net loans and leases to deposits | 36.9408% | 5,483 |
| Net loans and leases to core deposits | 39.5673% | 5,469 |
| Total domestic deposits to total assets | 89.3572% | 720 |
| Equity capital to assets | 10.5704% | 3,291 |
| Core capital (leverage) ratio | 10.6703% | 2,799 |
| Tier 1 risk-based capital ratio | 22.6633% | 975 |
| Total risk-based capital ratio | 23.3174% | 1,021 |
| Memoranda: | ||
| Average total assets | $18,547,250 | 5,679 |
| Average earning assets | $17,145,000 | 5,665 |
| Average equity | $1,975,500 | 5,674 |
| Average total loans | $6,249,000 | 5,669 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0552% | 5,391 |
| Cost of funding earning assets | 0.2250% | 4,757 |
| Net interest margin | 2.8302% | 5,202 |
| Noninterest income to average assets | 0.2297% | 4,863 |
| Noninterest expense to average assets | 1.9689% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8751% | 3,048 |
| Return on assets (ROA) | 0.8751% | 3,100 |
| Pretax return on assets | 0.8751% | 4,014 |
| Return on Equity (ROE) | 8.1939% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.1939% | 1,087 |
| Net charge-offs to loans | -0.2910% | 5,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 2,811 |
| Assets per employee ($millions) | 4.6973% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 31.3535% | 5,516 |
| Net loans and leases to deposits | 35.1198% | 5,551 |
| Net loans and leases to core deposits | 35.7789% | 5,571 |
| Total domestic deposits to total assets | 89.2756% | 814 |
| Equity capital to assets | 10.6392% | 3,184 |
| Core capital (leverage) ratio | 10.8582% | 2,545 |
| Tier 1 risk-based capital ratio | 22.9876% | 955 |
| Total risk-based capital ratio | 23.6661% | 985 |
| Memoranda: | ||
| Average total assets | $18,284,000 | 5,728 |
| Average earning assets | $16,889,000 | 5,719 |
| Average equity | $1,952,670 | 5,722 |
| Average total loans | $6,184,670 | 5,716 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9359% | 5,515 |
| Cost of funding earning assets | 0.2387% | 4,649 |
| Net interest margin | 2.6972% | 5,397 |
| Noninterest income to average assets | 0.1997% | 5,070 |
| Noninterest expense to average assets | 2.1962% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5102% | 4,556 |
| Return on assets (ROA) | 0.5102% | 4,586 |
| Pretax return on assets | 0.5102% | 4,945 |
| Return on Equity (ROE) | 4.7681% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.7681% | 3,028 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1475% | 1,245 |
| Assets per employee ($millions) | 4.6240% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 5,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.7801% | 5,513 |
| Net loans and leases to deposits | 36.6588% | 5,563 |
| Net loans and leases to core deposits | 38.2042% | 5,571 |
| Total domestic deposits to total assets | 89.4193% | 936 |
| Equity capital to assets | 10.4942% | 3,194 |
| Core capital (leverage) ratio | 10.5846% | 2,809 |
| Tier 1 risk-based capital ratio | 22.2822% | 1,056 |
| Total risk-based capital ratio | 22.8562% | 1,113 |
| Memoranda: | ||
| Average total assets | $18,031,500 | 5,801 |
| Average earning assets | $16,758,000 | 5,791 |
| Average equity | $1,929,500 | 5,789 |
| Average total loans | $6,302,000 | 5,781 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 5,272 |
| Cost of funding earning assets | 0.2158% | 4,878 |
| Net interest margin | 3.0032% | 4,953 |
| Noninterest income to average assets | 0.2839% | 4,711 |
| Noninterest expense to average assets | 2.5272% | 3,928 |
| Loan and lease loss provision to assets | 0.1113% | 2,203 |
| Net operating income to assets | 0.4342% | 4,841 |
| Return on assets (ROA) | 0.4342% | 4,929 |
| Pretax return on assets | 0.4342% | 5,151 |
| Return on Equity (ROE) | 3.9788% | 4,842 |
| Retained earnings to average equity (ytd only) | 0.9182% | 4,954 |
| Net charge-offs to loans | 0.6650% | 330 |
| Credit loss provision to net charge-offs | 45.4545% | 3,433 |
| Earnings coverage of net charge-offs (x) | 2.2273% | 3,862 |
| Efficiency ratio | 82.2464% | 1,178 |
| Assets per employee ($millions) | 4.3918% | 3,290 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 5,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 36.6653% | 5,461 |
| Net loans and leases to deposits | 41.1960% | 5,512 |
| Net loans and leases to core deposits | 43.0376% | 5,517 |
| Total domestic deposits to total assets | 89.0021% | 1,119 |
| Equity capital to assets | 10.9182% | 2,697 |
| Core capital (leverage) ratio | 10.6739% | 2,686 |
| Tier 1 risk-based capital ratio | 21.6527% | 1,121 |
| Total risk-based capital ratio | 22.2172% | 1,195 |
| Memoranda: | ||
| Average total assets | $17,964,600 | 5,858 |
| Average earning assets | $16,682,000 | 5,842 |
| Average equity | $1,960,400 | 5,847 |
| Average total loans | $6,616,600 | 5,835 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3389% | 5,143 |
| Cost of funding earning assets | 0.2226% | 4,861 |
| Net interest margin | 3.1163% | 4,732 |
| Noninterest income to average assets | 0.2879% | 4,714 |
| Noninterest expense to average assets | 1.9855% | 5,231 |
| Loan and lease loss provision to assets | 0.1476% | 1,589 |
| Net operating income to assets | 1.0481% | 2,206 |
| Return on assets (ROA) | 1.0481% | 2,337 |
| Pretax return on assets | 1.0481% | 3,436 |
| Return on Equity (ROE) | 9.6058% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.6058% | 659 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4130% | 4,157 |
| Assets per employee ($millions) | 4.5430% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 1,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 32.9958% | 5,657 |
| Net loans and leases to deposits | 37.2006% | 5,695 |
| Net loans and leases to core deposits | 38.8065% | 5,706 |
| Total domestic deposits to total assets | 88.6969% | 1,050 |
| Equity capital to assets | 11.2316% | 2,761 |
| Core capital (leverage) ratio | 11.1811% | 2,285 |
| Tier 1 risk-based capital ratio | 23.5220% | 942 |
| Total risk-based capital ratio | 24.6053% | 945 |
| Memoranda: | ||
| Average total assets | $18,064,000 | 5,920 |
| Average earning assets | $16,771,750 | 5,907 |
| Average equity | $1,971,000 | 5,910 |
| Average total loans | $6,648,000 | 5,900 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 4,865 |
| Cost of funding earning assets | 0.2149% | 4,994 |
| Net interest margin | 3.2839% | 4,280 |
| Noninterest income to average assets | 0.2663% | 4,886 |
| Noninterest expense to average assets | 2.0302% | 5,212 |
| Loan and lease loss provision to assets | 0.1109% | 2,023 |
| Net operating income to assets | 1.1759% | 1,684 |
| Return on assets (ROA) | 1.1759% | 1,780 |
| Pretax return on assets | 1.1759% | 2,878 |
| Return on Equity (ROE) | 10.8848% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.8848% | 452 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2040% | 4,477 |
| Assets per employee ($millions) | 4.6308% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 34.3033% | 5,666 |
| Net loans and leases to deposits | 38.5021% | 5,735 |
| Net loans and leases to core deposits | 40.1238% | 5,739 |
| Total domestic deposits to total assets | 89.0946% | 878 |
| Equity capital to assets | 10.8298% | 3,256 |
| Core capital (leverage) ratio | 10.9972% | 2,430 |
| Tier 1 risk-based capital ratio | 22.5216% | 1,076 |
| Total risk-based capital ratio | 23.4647% | 1,099 |
| Memoranda: | ||
| Average total assets | $18,028,000 | 5,996 |
| Average earning assets | $16,748,330 | 5,982 |
| Average equity | $1,947,670 | 5,986 |
| Average total loans | $6,834,000 | 5,975 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 5,334 |
| Cost of funding earning assets | 0.2179% | 5,027 |
| Net interest margin | 3.0741% | 4,937 |
| Noninterest income to average assets | 0.2475% | 4,963 |
| Noninterest expense to average assets | 2.0472% | 5,230 |
| Loan and lease loss provision to assets | 0.2250% | 834 |
| Net operating income to assets | 0.8324% | 3,078 |
| Return on assets (ROA) | 0.8324% | 3,211 |
| Pretax return on assets | 0.8324% | 4,096 |
| Return on Equity (ROE) | 7.7144% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.7144% | 1,587 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9420% | 3,815 |
| Assets per employee ($millions) | 4.5503% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.3825% | 5,538 |
| Net loans and leases to deposits | 42.9828% | 5,626 |
| Net loans and leases to core deposits | 44.8223% | 5,629 |
| Total domestic deposits to total assets | 89.2973% | 951 |
| Equity capital to assets | 10.6423% | 3,320 |
| Core capital (leverage) ratio | 10.8043% | 2,619 |
| Tier 1 risk-based capital ratio | 20.9882% | 1,322 |
| Total risk-based capital ratio | 21.8984% | 1,352 |
| Memoranda: | ||
| Average total assets | $17,780,500 | 6,061 |
| Average earning assets | $16,525,000 | 6,044 |
| Average equity | $1,918,500 | 6,050 |
| Average total loans | $7,032,000 | 6,030 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 5,583 |
| Cost of funding earning assets | 0.2164% | 5,130 |
| Net interest margin | 2.9305% | 5,289 |
| Noninterest income to average assets | 0.3481% | 4,418 |
| Noninterest expense to average assets | 2.6053% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4932% | 4,719 |
| Return on assets (ROA) | 0.4932% | 4,810 |
| Pretax return on assets | 0.4932% | 5,129 |
| Return on Equity (ROE) | 4.3964% | 4,784 |
| Retained earnings to average equity (ytd only) | 1.2931% | 4,978 |
| Net charge-offs to loans | 0.0317% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,120 |
| Efficiency ratio | 84.0824% | 1,174 |
| Assets per employee ($millions) | 4.3400% | 3,319 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.8618% | 5,521 |
| Net loans and leases to deposits | 44.7954% | 5,625 |
| Net loans and leases to core deposits | 46.8137% | 5,612 |
| Total domestic deposits to total assets | 88.9862% | 1,121 |
| Equity capital to assets | 10.9447% | 2,878 |
| Core capital (leverage) ratio | 10.8814% | 2,516 |
| Tier 1 risk-based capital ratio | 20.9090% | 1,316 |
| Total risk-based capital ratio | 21.7233% | 1,366 |
| Memoranda: | ||
| Average total assets | $17,234,200 | 6,124 |
| Average earning assets | $16,174,800 | 6,109 |
| Average equity | $1,933,400 | 6,109 |
| Average total loans | $6,313,200 | 6,097 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1208% | 5,681 |
| Cost of funding earning assets | 0.2223% | 5,158 |
| Net interest margin | 2.8985% | 5,415 |
| Noninterest income to average assets | 0.3411% | 4,503 |
| Noninterest expense to average assets | 1.9764% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0928% | 2,039 |
| Return on assets (ROA) | 1.0928% | 2,122 |
| Pretax return on assets | 1.0928% | 3,259 |
| Return on Equity (ROE) | 9.6820% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.6820% | 695 |
| Net charge-offs to loans | 0.0435% | 3,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 70.4120% | 813 |
| Efficiency ratio | 64.3939% | 4,176 |
| Assets per employee ($millions) | 4.3550% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 34.7072% | 5,828 |
| Net loans and leases to deposits | 39.2827% | 5,889 |
| Net loans and leases to core deposits | 41.0538% | 5,884 |
| Total domestic deposits to total assets | 88.3525% | 1,376 |
| Equity capital to assets | 11.5786% | 2,435 |
| Core capital (leverage) ratio | 11.7363% | 1,867 |
| Tier 1 risk-based capital ratio | 22.7704% | 1,087 |
| Total risk-based capital ratio | 23.6058% | 1,124 |
| Memoranda: | ||
| Average total assets | $17,202,750 | 6,208 |
| Average earning assets | $16,192,000 | 6,192 |
| Average equity | $1,941,750 | 6,192 |
| Average total loans | $6,143,000 | 6,182 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0701% | 5,775 |
| Cost of funding earning assets | 0.2104% | 5,349 |
| Net interest margin | 2.8596% | 5,519 |
| Noninterest income to average assets | 0.3386% | 4,533 |
| Noninterest expense to average assets | 1.9965% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0391% | 2,179 |
| Return on assets (ROA) | 1.0391% | 2,299 |
| Pretax return on assets | 1.0391% | 3,420 |
| Return on Equity (ROE) | 9.2869% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.2869% | 831 |
| Net charge-offs to loans | 0.0650% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,042 |
| Efficiency ratio | 65.7692% | 4,054 |
| Assets per employee ($millions) | 3.4200% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 4,192 |
| Loan loss allowance to noncurrent loans | 672.7273% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 5,609 |
| Noncurrent loans to loans | 0.1675% | 5,094 |
| Net loans and leases to total assets | 37.9708% | 5,742 |
| Net loans and leases to deposits | 42.9346% | 5,805 |
| Net loans and leases to core deposits | 44.9063% | 5,809 |
| Total domestic deposits to total assets | 88.4386% | 1,427 |
| Equity capital to assets | 11.4854% | 2,427 |
| Core capital (leverage) ratio | 11.2396% | 2,214 |
| Tier 1 risk-based capital ratio | 22.2348% | 1,167 |
| Total risk-based capital ratio | 23.0726% | 1,215 |
| Memoranda: | ||
| Average total assets | $17,130,330 | 6,285 |
| Average earning assets | $16,156,000 | 6,266 |
| Average equity | $1,916,670 | 6,267 |
| Average total loans | $6,150,670 | 6,257 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0301% | 5,865 |
| Cost of funding earning assets | 0.1987% | 5,523 |
| Net interest margin | 2.8314% | 5,585 |
| Noninterest income to average assets | 0.3733% | 4,220 |
| Noninterest expense to average assets | 2.1697% | 5,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8632% | 2,944 |
| Return on assets (ROA) | 0.8632% | 3,058 |
| Pretax return on assets | 0.8632% | 4,012 |
| Return on Equity (ROE) | 7.8183% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.8183% | 1,640 |
| Net charge-offs to loans | 0.0673% | 2,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,023 |
| Efficiency ratio | 71.5385% | 3,242 |
| Assets per employee ($millions) | 3.4844% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 3,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.7664% | 5,891 |
| Net loans and leases to deposits | 39.0850% | 5,946 |
| Net loans and leases to core deposits | 40.8346% | 5,947 |
| Total domestic deposits to total assets | 88.9508% | 1,303 |
| Equity capital to assets | 10.9689% | 3,006 |
| Core capital (leverage) ratio | 11.1189% | 2,301 |
| Tier 1 risk-based capital ratio | 21.1745% | 1,384 |
| Total risk-based capital ratio | 21.9945% | 1,441 |
| Memoranda: | ||
| Average total assets | $17,145,500 | 6,356 |
| Average earning assets | $16,105,000 | 6,334 |
| Average equity | $1,893,000 | 6,331 |
| Average total loans | $5,942,500 | 6,328 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9106% | 6,126 |
| Cost of funding earning assets | 0.2165% | 5,615 |
| Net interest margin | 2.6941% | 5,950 |
| Noninterest income to average assets | 0.3281% | 4,769 |
| Noninterest expense to average assets | 2.4042% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4474% | 5,037 |
| Return on assets (ROA) | 0.4474% | 5,123 |
| Pretax return on assets | 0.4474% | 5,392 |
| Return on Equity (ROE) | 3.9399% | 5,140 |
| Retained earnings to average equity (ytd only) | 0.7880% | 5,409 |
| Net charge-offs to loans | -0.0185% | 5,687 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3096% | 1,371 |
| Assets per employee ($millions) | 3.3738% | 5,121 |
| Cash dividends to net income (ytd only)* | 80.0000% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 3,311 |
| Loan loss allowance to noncurrent loans | 584.6154% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 5,724 |
| Noncurrent loans to loans | 0.2259% | 5,013 |
| Net loans and leases to total assets | 33.6594% | 6,054 |
| Net loans and leases to deposits | 37.9039% | 6,107 |
| Net loans and leases to core deposits | 40.3726% | 6,089 |
| Total domestic deposits to total assets | 88.8019% | 1,353 |
| Equity capital to assets | 11.1151% | 2,788 |
| Core capital (leverage) ratio | 11.1847% | 2,230 |
| Tier 1 risk-based capital ratio | 21.5889% | 1,293 |
| Total risk-based capital ratio | 22.4640% | 1,332 |
| Memoranda: | ||
| Average total assets | $16,762,000 | 6,448 |
| Average earning assets | $15,701,200 | 6,426 |
| Average equity | $1,903,600 | 6,417 |
| Average total loans | $5,417,800 | 6,430 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8865% | 6,215 |
| Cost of funding earning assets | 0.2214% | 5,652 |
| Net interest margin | 2.6650% | 6,048 |
| Noninterest income to average assets | 0.3346% | 4,763 |
| Noninterest expense to average assets | 1.9838% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8445% | 3,207 |
| Return on assets (ROA) | 0.8445% | 3,299 |
| Pretax return on assets | 0.8445% | 4,205 |
| Return on Equity (ROE) | 7.3966% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.3966% | 1,623 |
| Net charge-offs to loans | -0.0249% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1408% | 3,485 |
| Assets per employee ($millions) | 3.3104% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 2,689 |
| Loan loss allowance to noncurrent loans | 126.6667% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 4,838 |
| Noncurrent loans to loans | 1.1874% | 2,679 |
| Net loans and leases to total assets | 30.0689% | 6,244 |
| Net loans and leases to deposits | 34.1545% | 6,291 |
| Net loans and leases to core deposits | 36.4428% | 6,274 |
| Total domestic deposits to total assets | 88.0377% | 1,743 |
| Equity capital to assets | 11.8777% | 2,173 |
| Core capital (leverage) ratio | 11.7100% | 1,905 |
| Tier 1 risk-based capital ratio | 23.9873% | 990 |
| Total risk-based capital ratio | 24.9146% | 1,008 |
| Memoranda: | ||
| Average total assets | $16,735,250 | 6,526 |
| Average earning assets | $15,659,000 | 6,506 |
| Average equity | $1,910,750 | 6,493 |
| Average total loans | $5,333,750 | 6,508 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8520% | 6,296 |
| Cost of funding earning assets | 0.2136% | 5,801 |
| Net interest margin | 2.6384% | 6,128 |
| Noninterest income to average assets | 0.3572% | 4,561 |
| Noninterest expense to average assets | 2.0362% | 5,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8216% | 3,226 |
| Return on assets (ROA) | 0.8216% | 3,324 |
| Pretax return on assets | 0.8216% | 4,190 |
| Return on Equity (ROE) | 7.2926% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.2926% | 1,619 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2500% | 3,462 |
| Assets per employee ($millions) | 3.3062% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 4,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 35.5030% | 6,071 |
| Net loans and leases to deposits | 40.2262% | 6,144 |
| Net loans and leases to core deposits | 43.7202% | 6,074 |
| Total domestic deposits to total assets | 88.2584% | 1,756 |
| Equity capital to assets | 11.6629% | 2,271 |
| Core capital (leverage) ratio | 11.5325% | 1,974 |
| Tier 1 risk-based capital ratio | 21.9515% | 1,264 |
| Total risk-based capital ratio | 22.7940% | 1,317 |
| Memoranda: | ||
| Average total assets | $16,796,330 | 6,592 |
| Average earning assets | $15,918,670 | 6,568 |
| Average equity | $1,892,330 | 6,554 |
| Average total loans | $5,427,330 | 6,571 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7213% | 6,446 |
| Cost of funding earning assets | 0.2226% | 5,822 |
| Net interest margin | 2.4986% | 6,338 |
| Noninterest income to average assets | 0.4017% | 4,170 |
| Noninterest expense to average assets | 2.1265% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6616% | 3,883 |
| Return on assets (ROA) | 0.6616% | 3,978 |
| Pretax return on assets | 0.6616% | 4,628 |
| Return on Equity (ROE) | 5.9749% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.9749% | 2,559 |
| Net charge-offs to loans | 0.1548% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,632 |
| Efficiency ratio | 76.2712% | 2,754 |
| Assets per employee ($millions) | 3.3796% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 3,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.4947% | 6,333 |
| Net loans and leases to deposits | 34.3556% | 6,360 |
| Net loans and leases to core deposits | 37.2515% | 6,330 |
| Total domestic deposits to total assets | 88.7620% | 1,800 |
| Equity capital to assets | 11.1788% | 2,547 |
| Core capital (leverage) ratio | 11.0037% | 2,391 |
| Tier 1 risk-based capital ratio | 22.5957% | 1,193 |
| Total risk-based capital ratio | 23.4689% | 1,238 |
| Memoranda: | ||
| Average total assets | $16,929,000 | 6,664 |
| Average earning assets | $16,169,000 | 6,635 |
| Average equity | $1,874,500 | 6,619 |
| Average total loans | $5,169,500 | 6,647 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6133% | 6,585 |
| Cost of funding earning assets | 0.2203% | 6,176 |
| Net interest margin | 2.3930% | 6,450 |
| Noninterest income to average assets | 0.3725% | 4,650 |
| Noninterest expense to average assets | 2.3458% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3027% | 5,512 |
| Return on assets (ROA) | 0.3027% | 5,609 |
| Pretax return on assets | 0.3027% | 5,726 |
| Return on Equity (ROE) | 2.7677% | 5,592 |
| Retained earnings to average equity (ytd only) | 0.3726% | 5,680 |
| Net charge-offs to loans | 0.0584% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,726 |
| Efficiency ratio | 88.5714% | 1,158 |
| Assets per employee ($millions) | 3.3920% | 5,110 |
| Cash dividends to net income (ytd only)* | 86.5385% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 3,431 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 6,384 |
| Noncurrent loans to loans | 0.0391% | 6,130 |
| Net loans and leases to total assets | 29.7111% | 6,468 |
| Net loans and leases to deposits | 33.3974% | 6,498 |
| Net loans and leases to core deposits | 36.1919% | 6,465 |
| Total domestic deposits to total assets | 88.9623% | 1,656 |
| Equity capital to assets | 10.9670% | 2,642 |
| Core capital (leverage) ratio | 10.8303% | 2,545 |
| Tier 1 risk-based capital ratio | 22.1957% | 1,229 |
| Total risk-based capital ratio | 23.0788% | 1,265 |
| Memoranda: | ||
| Average total assets | $17,179,600 | 6,738 |
| Average earning assets | $16,339,400 | 6,714 |
| Average equity | $1,878,800 | 6,709 |
| Average total loans | $5,139,600 | 6,731 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5336% | 6,683 |
| Cost of funding earning assets | 0.2281% | 6,241 |
| Net interest margin | 2.3055% | 6,585 |
| Noninterest income to average assets | 0.3791% | 4,681 |
| Noninterest expense to average assets | 2.0346% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5338% | 4,647 |
| Return on assets (ROA) | 0.5338% | 4,806 |
| Pretax return on assets | 0.5338% | 5,260 |
| Return on Equity (ROE) | 4.8845% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.8845% | 3,162 |
| Net charge-offs to loans | 0.1036% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.2608% | 1,742 |
| Efficiency ratio | 79.2169% | 2,230 |
| Assets per employee ($millions) | 3.4038% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 3,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 28.3565% | 6,582 |
| Net loans and leases to deposits | 31.9899% | 6,620 |
| Net loans and leases to core deposits | 34.6621% | 6,595 |
| Total domestic deposits to total assets | 88.6421% | 1,755 |
| Equity capital to assets | 11.2933% | 2,475 |
| Core capital (leverage) ratio | 10.8766% | 2,595 |
| Tier 1 risk-based capital ratio | 23.2603% | 1,105 |
| Total risk-based capital ratio | 24.1559% | 1,143 |
| Memoranda: | ||
| Average total assets | $17,234,500 | 6,816 |
| Average earning assets | $16,366,250 | 6,791 |
| Average equity | $1,883,500 | 6,790 |
| Average total loans | $5,146,250 | 6,810 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4084% | 6,767 |
| Cost of funding earning assets | 0.2311% | 6,298 |
| Net interest margin | 2.1773% | 6,693 |
| Noninterest income to average assets | 0.4276% | 4,322 |
| Noninterest expense to average assets | 2.0686% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4276% | 5,120 |
| Return on assets (ROA) | 0.4276% | 5,275 |
| Pretax return on assets | 0.4276% | 5,583 |
| Return on Equity (ROE) | 3.9558% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.9558% | 3,776 |
| Net charge-offs to loans | 0.1913% | 2,606 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,552 |
| Efficiency ratio | 82.8704% | 1,777 |
| Assets per employee ($millions) | 3.4814% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 4,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 30.7233% | 6,552 |
| Net loans and leases to deposits | 34.4988% | 6,589 |
| Net loans and leases to core deposits | 36.6502% | 6,580 |
| Total domestic deposits to total assets | 89.0561% | 1,599 |
| Equity capital to assets | 10.8577% | 2,887 |
| Core capital (leverage) ratio | 11.2153% | 2,162 |
| Tier 1 risk-based capital ratio | 21.5729% | 1,375 |
| Total risk-based capital ratio | 22.3947% | 1,432 |
| Memoranda: | ||
| Average total assets | $17,306,330 | 6,863 |
| Average earning assets | $16,442,670 | 6,836 |
| Average equity | $1,870,670 | 6,837 |
| Average total loans | $5,228,330 | 6,856 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2167% | 6,890 |
| Cost of funding earning assets | 0.2192% | 6,478 |
| Net interest margin | 1.9974% | 6,841 |
| Noninterest income to average assets | 0.5563% | 3,392 |
| Noninterest expense to average assets | 2.0862% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3709% | 5,259 |
| Return on assets (ROA) | 0.3709% | 5,387 |
| Pretax return on assets | 0.3709% | 5,644 |
| Return on Equity (ROE) | 3.4390% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.4390% | 4,188 |
| Net charge-offs to loans | 0.2338% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,376 |
| Efficiency ratio | 84.9057% | 1,650 |
| Assets per employee ($millions) | 3.4338% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 4,026 |
| Loan loss allowance to noncurrent loans | 1,480.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 6,519 |
| Noncurrent loans to loans | 0.0978% | 6,185 |
| Net loans and leases to total assets | 29.3319% | 6,630 |
| Net loans and leases to deposits | 32.9409% | 6,666 |
| Net loans and leases to core deposits | 35.0233% | 6,649 |
| Total domestic deposits to total assets | 89.0442% | 1,657 |
| Equity capital to assets | 10.8859% | 3,092 |
| Core capital (leverage) ratio | 10.6326% | 2,620 |
| Tier 1 risk-based capital ratio | 22.0245% | 1,327 |
| Total risk-based capital ratio | 22.8965% | 1,370 |
| Memoranda: | ||
| Average total assets | $17,256,000 | 6,937 |
| Average earning assets | $16,421,000 | 6,908 |
| Average equity | $1,861,000 | 6,900 |
| Average total loans | $5,132,500 | 6,931 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5036% | 6,939 |
| Cost of funding earning assets | 0.3130% | 6,390 |
| Net interest margin | 2.1907% | 6,880 |
| Noninterest income to average assets | 0.4064% | 4,557 |
| Noninterest expense to average assets | 2.1238% | 6,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3664% | 5,233 |
| Return on assets (ROA) | 0.3664% | 5,461 |
| Pretax return on assets | 0.3664% | 5,666 |
| Return on Equity (ROE) | 3.5057% | 5,345 |
| Retained earnings to average equity (ytd only) | 1.8624% | 4,908 |
| Net charge-offs to loans | -0.0211% | 6,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2874% | 1,489 |
| Assets per employee ($millions) | 3.4686% | 5,076 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 29.2798% | 6,720 |
| Net loans and leases to deposits | 32.8142% | 6,767 |
| Net loans and leases to core deposits | 34.8596% | 6,751 |
| Total domestic deposits to total assets | 89.2291% | 1,418 |
| Equity capital to assets | 10.6844% | 3,305 |
| Core capital (leverage) ratio | 10.7977% | 2,444 |
| Tier 1 risk-based capital ratio | 20.8930% | 1,486 |
| Total risk-based capital ratio | 21.7612% | 1,532 |
| Memoranda: | ||
| Average total assets | $17,468,600 | 6,996 |
| Average earning assets | $16,616,000 | 6,967 |
| Average equity | $1,825,600 | 6,978 |
| Average total loans | $4,732,000 | 7,010 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3695% | 7,075 |
| Cost of funding earning assets | 0.3442% | 6,409 |
| Net interest margin | 2.0252% | 7,030 |
| Noninterest income to average assets | 0.4190% | 4,487 |
| Noninterest expense to average assets | 2.2552% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0914% | 6,141 |
| Return on assets (ROA) | 0.0914% | 6,284 |
| Pretax return on assets | 0.0914% | 6,283 |
| Return on Equity (ROE) | 0.8797% | 6,269 |
| Retained earnings to average equity (ytd only) | 0.8797% | 5,814 |
| Net charge-offs to loans | -0.0287% | 6,570 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1039% | 672 |
| Assets per employee ($millions) | 3.3534% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 3,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.0909% | 6,875 |
| Net loans and leases to deposits | 31.5726% | 6,921 |
| Net loans and leases to core deposits | 34.2272% | 6,895 |
| Total domestic deposits to total assets | 88.9724% | 1,445 |
| Equity capital to assets | 10.9262% | 3,350 |
| Core capital (leverage) ratio | 10.6779% | 2,725 |
| Tier 1 risk-based capital ratio | 22.6536% | 1,229 |
| Total risk-based capital ratio | 23.6058% | 1,248 |
| Memoranda: | ||
| Average total assets | $17,500,000 | 7,091 |
| Average earning assets | $16,656,000 | 7,058 |
| Average equity | $1,818,750 | 7,073 |
| Average total loans | $4,626,250 | 7,103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2651% | 7,153 |
| Cost of funding earning assets | 0.3539% | 6,495 |
| Net interest margin | 1.9112% | 7,127 |
| Noninterest income to average assets | 0.4283% | 4,443 |
| Noninterest expense to average assets | 2.3782% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1240% | 6,463 |
| Return on assets (ROA) | -0.1240% | 6,556 |
| Pretax return on assets | -0.1240% | 6,534 |
| Return on Equity (ROE) | -1.2126% | 6,561 |
| Retained earnings to average equity (ytd only) | -1.2126% | 6,240 |
| Net charge-offs to loans | -0.0437% | 6,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5000% | 406 |
| Assets per employee ($millions) | 3.5182% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 2,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 24.3988% | 7,023 |
| Net loans and leases to deposits | 27.2370% | 7,053 |
| Net loans and leases to core deposits | 28.8907% | 7,043 |
| Total domestic deposits to total assets | 89.5799% | 1,174 |
| Equity capital to assets | 10.2837% | 3,960 |
| Core capital (leverage) ratio | 10.3870% | 2,935 |
| Tier 1 risk-based capital ratio | 22.4470% | 1,207 |
| Total risk-based capital ratio | 23.4024% | 1,245 |
| Memoranda: | ||
| Average total assets | $17,744,330 | 7,148 |
| Average earning assets | $16,952,670 | 7,117 |
| Average equity | $1,814,330 | 7,124 |
| Average total loans | $4,572,670 | 7,166 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2453% | 7,218 |
| Cost of funding earning assets | 0.3742% | 6,531 |
| Net interest margin | 1.8711% | 7,190 |
| Noninterest income to average assets | 0.4489% | 4,298 |
| Noninterest expense to average assets | 2.3343% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0898% | 6,526 |
| Return on assets (ROA) | -0.0898% | 6,611 |
| Pretax return on assets | -0.0898% | 6,593 |
| Return on Equity (ROE) | -0.8806% | 6,614 |
| Retained earnings to average equity (ytd only) | -0.8806% | 6,137 |
| Net charge-offs to loans | -0.0856% | 6,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0000% | 447 |
| Assets per employee ($millions) | 3.5328% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 3,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 26.1096% | 7,034 |
| Net loans and leases to deposits | 29.1382% | 7,072 |
| Net loans and leases to core deposits | 30.8991% | 7,058 |
| Total domestic deposits to total assets | 89.6060% | 1,296 |
| Equity capital to assets | 10.2751% | 3,756 |
| Core capital (leverage) ratio | 10.0554% | 3,304 |
| Tier 1 risk-based capital ratio | 22.6507% | 1,186 |
| Total risk-based capital ratio | 23.6116% | 1,208 |
| Memoranda: | ||
| Average total assets | $17,821,000 | 7,209 |
| Average earning assets | $17,102,500 | 7,172 |
| Average equity | $1,817,000 | 7,180 |
| Average total loans | $4,674,500 | 7,224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4580% | 7,260 |
| Cost of funding earning assets | 0.5456% | 6,363 |
| Net interest margin | 1.9124% | 7,239 |
| Noninterest income to average assets | 0.4479% | 4,232 |
| Noninterest expense to average assets | 2.0556% | 6,574 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2239% | 5,512 |
| Return on assets (ROA) | 0.2239% | 5,654 |
| Pretax return on assets | 0.2239% | 5,729 |
| Return on Equity (ROE) | 2.1316% | 5,610 |
| Retained earnings to average equity (ytd only) | 0.4919% | 5,604 |
| Net charge-offs to loans | -0.0224% | 6,971 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1763% | 1,175 |
| Assets per employee ($millions) | 3.5956% | 4,778 |
| Cash dividends to net income (ytd only)* | 76.9231% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 3,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 25.4978% | 7,129 |
| Net loans and leases to deposits | 28.4209% | 7,164 |
| Net loans and leases to core deposits | 29.6143% | 7,160 |
| Total domestic deposits to total assets | 89.7152% | 1,150 |
| Equity capital to assets | 10.1179% | 4,015 |
| Core capital (leverage) ratio | 10.0259% | 3,306 |
| Tier 1 risk-based capital ratio | 22.6469% | 1,141 |
| Total risk-based capital ratio | 23.5931% | 1,165 |
| Memoranda: | ||
| Average total assets | $17,416,200 | 7,252 |
| Average earning assets | $16,680,400 | 7,217 |
| Average equity | $1,829,600 | 7,236 |
| Average total loans | $4,459,000 | 7,278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5201% | 7,341 |
| Cost of funding earning assets | 0.5573% | 6,489 |
| Net interest margin | 1.9627% | 7,305 |
| Noninterest income to average assets | 0.4168% | 4,534 |
| Noninterest expense to average assets | 1.9140% | 6,834 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3782% | 5,090 |
| Return on assets (ROA) | 0.3782% | 5,276 |
| Pretax return on assets | 0.3782% | 5,531 |
| Return on Equity (ROE) | 3.5656% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.5656% | 4,207 |
| Net charge-offs to loans | -0.0302% | 6,975 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5017% | 1,786 |
| Assets per employee ($millions) | 3.4928% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 3,138 |
| Loan loss allowance to noncurrent loans | 760.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 6,906 |
| Noncurrent loans to loans | 0.2288% | 6,415 |
| Net loans and leases to total assets | 24.5877% | 7,219 |
| Net loans and leases to deposits | 27.5681% | 7,251 |
| Net loans and leases to core deposits | 28.7590% | 7,244 |
| Total domestic deposits to total assets | 89.1892% | 1,309 |
| Equity capital to assets | 10.6448% | 3,520 |
| Core capital (leverage) ratio | 10.7581% | 2,604 |
| Tier 1 risk-based capital ratio | 24.4059% | 968 |
| Total risk-based capital ratio | 25.4037% | 981 |
| Memoranda: | ||
| Average total assets | $17,275,750 | 7,327 |
| Average earning assets | $16,507,000 | 7,297 |
| Average equity | $1,832,250 | 7,309 |
| Average total loans | $4,408,750 | 7,351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5018% | 7,419 |
| Cost of funding earning assets | 0.5829% | 6,530 |
| Net interest margin | 1.9188% | 7,387 |
| Noninterest income to average assets | 0.4299% | 4,425 |
| Noninterest expense to average assets | 1.8242% | 7,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4415% | 4,763 |
| Return on assets (ROA) | 0.4415% | 4,900 |
| Pretax return on assets | 0.4415% | 5,256 |
| Return on Equity (ROE) | 4.1682% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.1682% | 3,540 |
| Net charge-offs to loans | -0.0452% | 7,010 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5128% | 2,313 |
| Assets per employee ($millions) | 3.4038% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 3,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 24.5725% | 7,308 |
| Net loans and leases to deposits | 27.6295% | 7,331 |
| Net loans and leases to core deposits | 28.8553% | 7,333 |
| Total domestic deposits to total assets | 88.9359% | 1,575 |
| Equity capital to assets | 10.8585% | 3,120 |
| Core capital (leverage) ratio | 10.7824% | 2,440 |
| Tier 1 risk-based capital ratio | 25.4932% | 852 |
| Total risk-based capital ratio | 26.5416% | 861 |
| Memoranda: | ||
| Average total assets | $17,213,000 | 7,401 |
| Average earning assets | $16,468,330 | 7,366 |
| Average equity | $1,823,330 | 7,379 |
| Average total loans | $4,421,670 | 7,426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3055% | 7,496 |
| Cost of funding earning assets | 0.6004% | 6,613 |
| Net interest margin | 1.7051% | 7,474 |
| Noninterest income to average assets | 0.4622% | 4,171 |
| Noninterest expense to average assets | 1.9873% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1155% | 6,051 |
| Return on assets (ROA) | 0.1155% | 6,106 |
| Pretax return on assets | 0.1155% | 6,136 |
| Return on Equity (ROE) | 1.1044% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.1044% | 5,384 |
| Net charge-offs to loans | -0.0888% | 7,054 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5055% | 1,013 |
| Assets per employee ($millions) | 3.5500% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 3,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 23.6113% | 7,381 |
| Net loans and leases to deposits | 26.3452% | 7,406 |
| Net loans and leases to core deposits | 27.4550% | 7,408 |
| Total domestic deposits to total assets | 89.6225% | 1,416 |
| Equity capital to assets | 10.2197% | 3,513 |
| Core capital (leverage) ratio | 10.4602% | 2,656 |
| Tier 1 risk-based capital ratio | 24.7814% | 900 |
| Total risk-based capital ratio | 25.8197% | 903 |
| Memoranda: | ||
| Average total assets | $17,310,000 | 7,460 |
| Average earning assets | $16,656,000 | 7,417 |
| Average equity | $1,811,000 | 7,433 |
| Average total loans | $4,503,500 | 7,483 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7817% | 7,518 |
| Cost of funding earning assets | 0.6777% | 6,938 |
| Net interest margin | 2.1040% | 7,431 |
| Noninterest income to average assets | 0.5040% | 4,137 |
| Noninterest expense to average assets | 2.3784% | 6,144 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1291% | 5,508 |
| Return on assets (ROA) | 0.3626% | 4,858 |
| Pretax return on assets | 0.3626% | 5,051 |
| Return on Equity (ROE) | 3.2265% | 4,852 |
| Retained earnings to average equity (ytd only) | 0.7656% | 5,168 |
| Net charge-offs to loans | -0.2148% | 7,546 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8529% | 1,018 |
| Assets per employee ($millions) | 3.3740% | 5,234 |
| Cash dividends to net income (ytd only)* | 76.2712% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 27.6586% | 7,413 |
| Net loans and leases to deposits | 31.0549% | 7,444 |
| Net loans and leases to core deposits | 33.0219% | 7,437 |
| Total domestic deposits to total assets | 89.0634% | 1,615 |
| Equity capital to assets | 10.7172% | 2,936 |
| Core capital (leverage) ratio | 10.5410% | 2,515 |
| Tier 1 risk-based capital ratio | 22.8774% | 1,055 |
| Total risk-based capital ratio | 23.8137% | 1,080 |
| Memoranda: | ||
| Average total assets | $16,271,200 | 7,550 |
| Average earning assets | $15,494,000 | 7,511 |
| Average equity | $1,828,600 | 7,534 |
| Average total loans | $4,655,400 | 7,562 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9025% | 7,636 |
| Cost of funding earning assets | 0.6886% | 7,095 |
| Net interest margin | 2.2139% | 7,512 |
| Noninterest income to average assets | 0.5293% | 3,948 |
| Noninterest expense to average assets | 2.0180% | 7,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6120% | 3,825 |
| Return on assets (ROA) | 0.6120% | 3,996 |
| Pretax return on assets | 0.6120% | 4,555 |
| Return on Equity (ROE) | 5.3802% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.3802% | 2,717 |
| Net charge-offs to loans | -0.3166% | 7,650 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7296% | 2,810 |
| Assets per employee ($millions) | 3.4222% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 3,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 25.3813% | 7,547 |
| Net loans and leases to deposits | 28.5649% | 7,589 |
| Net loans and leases to core deposits | 30.3388% | 7,576 |
| Total domestic deposits to total assets | 88.8551% | 1,477 |
| Equity capital to assets | 10.9228% | 3,031 |
| Core capital (leverage) ratio | 11.1722% | 2,142 |
| Tier 1 risk-based capital ratio | 25.9115% | 780 |
| Total risk-based capital ratio | 26.9513% | 782 |
| Memoranda: | ||
| Average total assets | $16,121,500 | 7,645 |
| Average earning assets | $15,296,750 | 7,614 |
| Average equity | $1,833,750 | 7,632 |
| Average total loans | $4,634,250 | 7,662 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 7,709 |
| Cost of funding earning assets | 0.6800% | 7,234 |
| Net interest margin | 2.3466% | 7,510 |
| Noninterest income to average assets | 0.5446% | 3,753 |
| Noninterest expense to average assets | 2.1404% | 6,788 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6332% | 3,717 |
| Return on assets (ROA) | 0.6332% | 3,854 |
| Pretax return on assets | 0.6332% | 4,461 |
| Return on Equity (ROE) | 5.4885% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.4885% | 2,619 |
| Net charge-offs to loans | -0.0850% | 7,531 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1689% | 2,863 |
| Assets per employee ($millions) | 3.2822% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 3,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 26.6285% | 7,606 |
| Net loans and leases to deposits | 30.0819% | 7,636 |
| Net loans and leases to core deposits | 30.0819% | 7,655 |
| Total domestic deposits to total assets | 88.5199% | 1,713 |
| Equity capital to assets | 11.2425% | 2,648 |
| Core capital (leverage) ratio | 11.3538% | 2,012 |
| Tier 1 risk-based capital ratio | 25.8259% | 779 |
| Total risk-based capital ratio | 26.7637% | 793 |
| Memoranda: | ||
| Average total assets | $15,791,670 | 7,718 |
| Average earning assets | $15,000,670 | 7,686 |
| Average equity | $1,822,000 | 7,699 |
| Average total loans | $4,706,330 | 7,730 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 7,763 |
| Cost of funding earning assets | 0.6807% | 7,375 |
| Net interest margin | 2.5868% | 7,402 |
| Noninterest income to average assets | 0.5942% | 3,316 |
| Noninterest expense to average assets | 2.2219% | 6,626 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8268% | 2,851 |
| Return on assets (ROA) | 0.8268% | 2,946 |
| Pretax return on assets | 0.8268% | 3,757 |
| Return on Equity (ROE) | 7.0699% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.0699% | 2,105 |
| Net charge-offs to loans | -0.0826% | 7,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8814% | 3,779 |
| Assets per employee ($millions) | 3.1916% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 4,006 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 7,465 |
| Noncurrent loans to loans | 0.0449% | 7,300 |
| Net loans and leases to total assets | 27.5160% | 7,684 |
| Net loans and leases to deposits | 31.1396% | 7,711 |
| Net loans and leases to core deposits | 31.1396% | 7,730 |
| Total domestic deposits to total assets | 88.3632% | 1,873 |
| Equity capital to assets | 11.4488% | 2,405 |
| Core capital (leverage) ratio | 11.8459% | 1,724 |
| Tier 1 risk-based capital ratio | 24.9624% | 872 |
| Total risk-based capital ratio | 25.8642% | 878 |
| Memoranda: | ||
| Average total assets | $15,482,000 | 7,824 |
| Average earning assets | $14,690,000 | 7,791 |
| Average equity | $1,810,500 | 7,784 |
| Average total loans | $4,841,000 | 7,826 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2078% | 7,861 |
| Cost of funding earning assets | 0.7884% | 7,573 |
| Net interest margin | 2.4195% | 7,495 |
| Noninterest income to average assets | 0.5271% | 4,201 |
| Noninterest expense to average assets | 2.4702% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3175% | 4,465 |
| Return on assets (ROA) | 0.3175% | 4,548 |
| Pretax return on assets | 0.3175% | 4,712 |
| Return on Equity (ROE) | 2.7787% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.1115% | 4,266 |
| Net charge-offs to loans | -0.5939% | 7,953 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6105% | 1,829 |
| Assets per employee ($millions) | 3.0012% | 6,222 |
| Cash dividends to net income (ytd only)* | 60.0000% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 5,103 |
| Loan loss allowance to noncurrent loans | 3,250.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 7,496 |
| Noncurrent loans to loans | 0.0383% | 7,333 |
| Net loans and leases to total assets | 34.3862% | 7,580 |
| Net loans and leases to deposits | 39.1532% | 7,646 |
| Net loans and leases to core deposits | 46.3695% | 7,657 |
| Total domestic deposits to total assets | 87.8249% | 2,063 |
| Equity capital to assets | 11.9552% | 2,057 |
| Core capital (leverage) ratio | 11.3472% | 2,008 |
| Tier 1 risk-based capital ratio | 23.2414% | 1,016 |
| Total risk-based capital ratio | 24.0834% | 1,034 |
| Memoranda: | ||
| Average total assets | $15,747,600 | 7,879 |
| Average earning assets | $14,714,000 | 7,851 |
| Average equity | $1,799,400 | 7,875 |
| Average total loans | $4,209,400 | 7,911 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0980% | 7,973 |
| Cost of funding earning assets | 0.8082% | 7,683 |
| Net interest margin | 2.2898% | 7,654 |
| Noninterest income to average assets | 0.5272% | 4,259 |
| Noninterest expense to average assets | 2.1924% | 6,997 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4686% | 4,129 |
| Return on assets (ROA) | 0.4686% | 4,225 |
| Pretax return on assets | 0.4686% | 4,620 |
| Return on Equity (ROE) | 4.1461% | 4,325 |
| Retained earnings to average equity (ytd only) | 4.1461% | 2,966 |
| Net charge-offs to loans | 0.0675% | 6,020 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 27.9625% | 979 |
| Efficiency ratio | 82.3899% | 2,528 |
| Assets per employee ($millions) | 3.2550% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 5,996 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 7,545 |
| Noncurrent loans to loans | 0.0809% | 7,288 |
| Net loans and leases to total assets | 22.5438% | 7,923 |
| Net loans and leases to deposits | 25.4668% | 7,953 |
| Net loans and leases to core deposits | 29.9022% | 7,952 |
| Total domestic deposits to total assets | 88.5223% | 1,423 |
| Equity capital to assets | 11.2504% | 2,791 |
| Core capital (leverage) ratio | 10.9983% | 2,405 |
| Tier 1 risk-based capital ratio | 27.0298% | 746 |
| Total risk-based capital ratio | 27.6056% | 776 |
| Memoranda: | ||
| Average total assets | $15,933,000 | 7,956 |
| Average earning assets | $14,848,000 | 7,927 |
| Average equity | $1,800,750 | 7,956 |
| Average total loans | $3,955,500 | 7,998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1106% | 8,067 |
| Cost of funding earning assets | 0.8459% | 7,766 |
| Net interest margin | 2.2647% | 7,698 |
| Noninterest income to average assets | 0.5310% | 4,173 |
| Noninterest expense to average assets | 2.1493% | 7,175 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4804% | 4,174 |
| Return on assets (ROA) | 0.4804% | 4,285 |
| Pretax return on assets | 0.4804% | 4,685 |
| Return on Equity (ROE) | 4.2442% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.2442% | 2,945 |
| Net charge-offs to loans | 0.0495% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 841 |
| Efficiency ratio | 81.7308% | 2,757 |
| Assets per employee ($millions) | 3.3118% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,828 |
| 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 | 21.9578% | 8,015 |
| Net loans and leases to deposits | 24.7431% | 8,038 |
| Net loans and leases to core deposits | 29.3060% | 8,041 |
| Total domestic deposits to total assets | 88.7433% | 1,407 |
| Equity capital to assets | 10.9427% | 2,973 |
| Core capital (leverage) ratio | 11.2961% | 2,196 |
| Tier 1 risk-based capital ratio | 26.5184% | 815 |
| Total risk-based capital ratio | 27.0891% | 854 |
| Memoranda: | ||
| Average total assets | $15,819,000 | 8,046 |
| Average earning assets | $14,659,670 | 8,017 |
| Average equity | $1,790,670 | 8,040 |
| Average total loans | $4,038,000 | 8,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 8,134 |
| Cost of funding earning assets | 0.8718% | 7,842 |
| Net interest margin | 2.1936% | 7,805 |
| Noninterest income to average assets | 0.4402% | 4,873 |
| Noninterest expense to average assets | 2.1749% | 6,936 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2848% | 5,354 |
| Return on assets (ROA) | 0.2848% | 5,524 |
| Pretax return on assets | 0.2848% | 5,715 |
| Return on Equity (ROE) | 2.4719% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.4719% | 4,497 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4211% | 1,859 |
| Assets per employee ($millions) | 3.2112% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,242 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 7,577 |
| Noncurrent loans to loans | 0.0745% | 7,314 |
| Net loans and leases to total assets | 24.8381% | 8,026 |
| Net loans and leases to deposits | 28.0411% | 8,062 |
| Net loans and leases to core deposits | 32.6858% | 8,063 |
| Total domestic deposits to total assets | 88.5775% | 1,441 |
| Equity capital to assets | 11.1173% | 2,876 |
| Core capital (leverage) ratio | 11.3075% | 2,273 |
| Tier 1 risk-based capital ratio | 25.3335% | 946 |
| Total risk-based capital ratio | 25.9012% | 994 |
| Memoranda: | ||
| Average total assets | $15,449,000 | 8,104 |
| Average earning assets | $14,223,000 | 8,080 |
| Average equity | $1,780,000 | 8,098 |
| Average total loans | $4,219,500 | 8,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 8,031 |
| Cost of funding earning assets | 1.5477% | 7,538 |
| Net interest margin | 2.9473% | 7,040 |
| Noninterest income to average assets | 0.6491% | 3,484 |
| Noninterest expense to average assets | 2.7571% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5554% | 4,503 |
| Return on assets (ROA) | 0.5554% | 4,356 |
| Pretax return on assets | 0.5554% | 4,838 |
| Return on Equity (ROE) | 4.5465% | 4,579 |
| Retained earnings to average equity (ytd only) | 0.4382% | 4,984 |
| Net charge-offs to loans | 0.0271% | 6,450 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 503 |
| Efficiency ratio | 83.2323% | 2,147 |
| Assets per employee ($millions) | 2.9684% | 6,125 |
| Cash dividends to net income (ytd only)* | 90.3614% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 6,510 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 7,558 |
| Noncurrent loans to loans | 0.0453% | 7,323 |
| Net loans and leases to total assets | 29.4435% | 8,002 |
| Net loans and leases to deposits | 33.5921% | 8,066 |
| Net loans and leases to core deposits | 40.8793% | 8,037 |
| Total domestic deposits to total assets | 87.6499% | 1,636 |
| Equity capital to assets | 11.9593% | 2,309 |
| Core capital (leverage) ratio | 11.8042% | 2,078 |
| Tier 1 risk-based capital ratio | 25.3137% | 963 |
| Total risk-based capital ratio | 25.8985% | 992 |
| Memoranda: | ||
| Average total assets | $14,943,200 | 8,163 |
| Average earning assets | $13,504,000 | 8,154 |
| Average equity | $1,825,600 | 8,151 |
| Average total loans | $3,691,600 | 8,203 |