Home > First American Bank > Performance and Condition Ratios
First American 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 | 6.0400% | 1,126 |
| Cost of funding earning assets | 1.1026% | 3,878 |
| Net interest margin | 4.9374% | 331 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 3.6111% | 522 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.2226% | 1,679 |
| Return on assets (ROA) | 1.2226% | 1,675 |
| Pretax return on assets | 1.2226% | 2,183 |
| Return on Equity (ROE) | 9.6800% | 2,409 |
| Retained earnings to average equity (ytd only) | 0.7170% | 3,551 |
| Net charge-offs to loans | -0.0163% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 72.9977% | 1,523 |
| Assets per employee ($millions) | 3.3815% | 4,221 |
| Cash dividends to net income (ytd only)* | 92.5926% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 529 |
| Loan loss allowance to noncurrent loans | 100.6912% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 481 |
| Noncurrent loans to loans | 1.7938% | 499 |
| Net loans and leases to total assets | 63.8700% | 2,513 |
| Net loans and leases to deposits | 72.7559% | 2,676 |
| Net loans and leases to core deposits | 79.6333% | 2,704 |
| Total domestic deposits to total assets | 87.7900% | 1,624 |
| Equity capital to assets | 12.0094% | 1,222 |
| Core capital (leverage) ratio | 12.4721% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $35,335,500 | 4,316 |
| Average earning assets | $32,649,000 | 4,290 |
| Average equity | $4,463,000 | 4,278 |
| Average total loans | $24,481,000 | 4,154 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4489% | 766 |
| Cost of funding earning assets | 1.0041% | 4,033 |
| Net interest margin | 5.4448% | 191 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 3.5163% | 581 |
| Loan and lease loss provision to assets | 0.2600% | 483 |
| Net operating income to assets | 1.6717% | 693 |
| Return on assets (ROA) | 1.6717% | 687 |
| Pretax return on assets | 1.6717% | 1,019 |
| Return on Equity (ROE) | 13.1900% | 1,318 |
| Retained earnings to average equity (ytd only) | 4.0935% | 2,594 |
| Net charge-offs to loans | 0.2718% | 554 |
| Credit loss provision to net charge-offs | 134.3284% | 1,516 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,291 |
| Efficiency ratio | 64.5503% | 2,665 |
| Assets per employee ($millions) | 3.0432% | 4,284 |
| Cash dividends to net income (ytd only)* | 68.9655% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 597 |
| Loan loss allowance to noncurrent loans | 2,145.0000% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 2,261 |
| Noncurrent loans to loans | 0.0807% | 3,241 |
| Net loans and leases to total assets | 72.7100% | 1,590 |
| Net loans and leases to deposits | 84.1016% | 1,766 |
| Net loans and leases to core deposits | 91.5688% | 1,999 |
| Total domestic deposits to total assets | 86.4500% | 2,064 |
| Equity capital to assets | 13.3204% | 818 |
| Core capital (leverage) ratio | 13.0571% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $34,695,400 | 4,340 |
| Average earning assets | $32,269,200 | 4,310 |
| Average equity | $4,397,200 | 4,288 |
| Average total loans | $24,646,800 | 4,161 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3615% | 822 |
| Cost of funding earning assets | 0.9803% | 4,066 |
| Net interest margin | 5.3813% | 214 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 3.3713% | 669 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 1.8018% | 589 |
| Return on assets (ROA) | 1.8018% | 591 |
| Pretax return on assets | 1.8018% | 868 |
| Return on Equity (ROE) | 14.3900% | 1,070 |
| Retained earnings to average equity (ytd only) | 5.2641% | 2,365 |
| Net charge-offs to loans | 0.2004% | 588 |
| Credit loss provision to net charge-offs | 148.6486% | 1,299 |
| Earnings coverage of net charge-offs (x) | 14.2703% | 1,959 |
| Efficiency ratio | 62.6327% | 2,853 |
| Assets per employee ($millions) | 3.1565% | 4,292 |
| Cash dividends to net income (ytd only)* | 63.4249% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 646 |
| Loan loss allowance to noncurrent loans | 510.8434% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 1,321 |
| Noncurrent loans to loans | 0.3345% | 2,270 |
| Net loans and leases to total assets | 70.2500% | 1,819 |
| Net loans and leases to deposits | 80.7857% | 2,105 |
| Net loans and leases to core deposits | 87.6172% | 2,312 |
| Total domestic deposits to total assets | 86.9500% | 1,611 |
| Equity capital to assets | 12.8222% | 1,017 |
| Core capital (leverage) ratio | 12.8189% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $35,000,500 | 4,363 |
| Average earning assets | $32,507,000 | 4,336 |
| Average equity | $4,381,750 | 4,313 |
| Average total loans | $24,616,500 | 4,183 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3463% | 769 |
| Cost of funding earning assets | 0.9541% | 4,072 |
| Net interest margin | 5.3922% | 208 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 3.1972% | 831 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 2.0118% | 428 |
| Return on assets (ROA) | 2.0118% | 428 |
| Pretax return on assets | 2.0118% | 630 |
| Return on Equity (ROE) | 16.2000% | 808 |
| Retained earnings to average equity (ytd only) | 7.0210% | 1,647 |
| Net charge-offs to loans | 0.2607% | 429 |
| Credit loss provision to net charge-offs | 93.7500% | 1,557 |
| Earnings coverage of net charge-offs (x) | 11.9688% | 1,912 |
| Efficiency ratio | 59.4280% | 3,257 |
| Assets per employee ($millions) | 3.1396% | 4,312 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 804 |
| Loan loss allowance to noncurrent loans | 303.7594% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 1,064 |
| Noncurrent loans to loans | 0.5359% | 1,670 |
| Net loans and leases to total assets | 70.6900% | 1,819 |
| Net loans and leases to deposits | 81.2155% | 2,092 |
| Net loans and leases to core deposits | 86.5381% | 2,374 |
| Total domestic deposits to total assets | 87.0500% | 1,636 |
| Equity capital to assets | 12.8330% | 910 |
| Core capital (leverage) ratio | 12.4965% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $35,093,667 | 4,384 |
| Average earning assets | $32,491,333 | 4,360 |
| Average equity | $4,358,333 | 4,323 |
| Average total loans | $24,550,667 | 4,203 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2907% | 758 |
| Cost of funding earning assets | 0.9387% | 4,053 |
| Net interest margin | 5.3519% | 219 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 3.1550% | 893 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 2.0920% | 385 |
| Return on assets (ROA) | 2.0920% | 394 |
| Pretax return on assets | 2.0920% | 562 |
| Return on Equity (ROE) | 17.1200% | 708 |
| Retained earnings to average equity (ytd only) | 7.8676% | 1,587 |
| Net charge-offs to loans | 0.4096% | 220 |
| Credit loss provision to net charge-offs | 40.0000% | 1,439 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 1,747 |
| Efficiency ratio | 58.8608% | 3,372 |
| Assets per employee ($millions) | 3.6605% | 4,235 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 913 |
| Loan loss allowance to noncurrent loans | 143.7500% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 640 |
| Noncurrent loans to loans | 1.0915% | 775 |
| Net loans and leases to total assets | 67.0100% | 2,121 |
| Net loans and leases to deposits | 76.1628% | 2,415 |
| Net loans and leases to core deposits | 80.7858% | 2,668 |
| Total domestic deposits to total assets | 87.9800% | 1,426 |
| Equity capital to assets | 11.9219% | 1,150 |
| Core capital (leverage) ratio | 12.0297% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $35,372,500 | 4,412 |
| Average earning assets | $32,810,500 | 4,385 |
| Average equity | $4,321,500 | 4,349 |
| Average total loans | $24,416,500 | 4,227 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6933% | 938 |
| Cost of funding earning assets | 0.7066% | 3,921 |
| Net interest margin | 4.9867% | 318 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 3.2311% | 799 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.5981% | 869 |
| Return on assets (ROA) | 1.5981% | 837 |
| Pretax return on assets | 1.5981% | 1,232 |
| Return on Equity (ROE) | 13.0700% | 1,711 |
| Retained earnings to average equity (ytd only) | 4.2296% | 2,883 |
| Net charge-offs to loans | 0.4208% | 244 |
| Credit loss provision to net charge-offs | 67.6768% | 2,107 |
| Earnings coverage of net charge-offs (x) | 6.2323% | 2,484 |
| Efficiency ratio | 64.3146% | 2,569 |
| Assets per employee ($millions) | 3.4140% | 4,308 |
| Cash dividends to net income (ytd only)* | 67.6364% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 663 |
| Loan loss allowance to noncurrent loans | 280.0000% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 865 |
| Noncurrent loans to loans | 0.6064% | 1,299 |
| Net loans and leases to total assets | 68.8500% | 1,938 |
| Net loans and leases to deposits | 78.8508% | 2,206 |
| Net loans and leases to core deposits | 84.0316% | 2,447 |
| Total domestic deposits to total assets | 87.3200% | 1,580 |
| Equity capital to assets | 12.5337% | 983 |
| Core capital (leverage) ratio | 12.5304% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $34,415,800 | 4,435 |
| Average earning assets | $31,985,000 | 4,400 |
| Average equity | $4,208,400 | 4,336 |
| Average total loans | $23,524,000 | 4,243 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 924 |
| Cost of funding earning assets | 0.6380% | 3,902 |
| Net interest margin | 4.9426% | 332 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.2245% | 790 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7205% | 770 |
| Return on assets (ROA) | 1.7205% | 760 |
| Pretax return on assets | 1.7205% | 1,131 |
| Return on Equity (ROE) | 14.1600% | 1,614 |
| Retained earnings to average equity (ytd only) | 6.1404% | 2,589 |
| Net charge-offs to loans | 0.4098% | 207 |
| Credit loss provision to net charge-offs | 20.8333% | 2,009 |
| Earnings coverage of net charge-offs (x) | 6.3889% | 2,294 |
| Efficiency ratio | 64.4513% | 2,444 |
| Assets per employee ($millions) | 3.4588% | 4,333 |
| Cash dividends to net income (ytd only)* | 56.6292% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 833 |
| Loan loss allowance to noncurrent loans | 274.1007% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 863 |
| Noncurrent loans to loans | 0.5945% | 1,348 |
| Net loans and leases to total assets | 66.5000% | 2,200 |
| Net loans and leases to deposits | 76.1320% | 2,400 |
| Net loans and leases to core deposits | 81.0465% | 2,528 |
| Total domestic deposits to total assets | 87.3500% | 1,783 |
| Equity capital to assets | 12.4147% | 942 |
| Core capital (leverage) ratio | 12.3565% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $34,484,750 | 4,454 |
| Average earning assets | $32,181,750 | 4,423 |
| Average equity | $4,190,750 | 4,347 |
| Average total loans | $23,426,750 | 4,263 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 939 |
| Cost of funding earning assets | 0.5276% | 3,929 |
| Net interest margin | 4.8846% | 354 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.1988% | 792 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.6662% | 840 |
| Return on assets (ROA) | 1.6662% | 845 |
| Pretax return on assets | 1.6662% | 1,285 |
| Return on Equity (ROE) | 13.8100% | 1,724 |
| Retained earnings to average equity (ytd only) | 5.7262% | 2,722 |
| Net charge-offs to loans | 0.6996% | 120 |
| Credit loss provision to net charge-offs | 18.2927% | 1,775 |
| Earnings coverage of net charge-offs (x) | 3.6829% | 2,253 |
| Efficiency ratio | 64.5955% | 2,417 |
| Assets per employee ($millions) | 3.4547% | 4,353 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 977 |
| Loan loss allowance to noncurrent loans | 334.2342% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 930 |
| Noncurrent loans to loans | 0.4718% | 1,532 |
| Net loans and leases to total assets | 67.0200% | 2,055 |
| Net loans and leases to deposits | 76.5277% | 2,257 |
| Net loans and leases to core deposits | 78.6782% | 2,569 |
| Total domestic deposits to total assets | 87.5800% | 1,756 |
| Equity capital to assets | 12.2152% | 992 |
| Core capital (leverage) ratio | 12.3011% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $34,450,333 | 4,483 |
| Average earning assets | $32,224,000 | 4,451 |
| Average equity | $4,156,333 | 4,378 |
| Average total loans | $23,441,667 | 4,277 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 880 |
| Cost of funding earning assets | 0.4100% | 3,940 |
| Net interest margin | 4.8453% | 349 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 3.2673% | 726 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.5232% | 1,136 |
| Return on assets (ROA) | 1.5232% | 1,116 |
| Pretax return on assets | 1.5232% | 1,619 |
| Return on Equity (ROE) | 12.7000% | 2,050 |
| Retained earnings to average equity (ytd only) | 4.5581% | 3,117 |
| Net charge-offs to loans | 1.2308% | 63 |
| Credit loss provision to net charge-offs | 13.8889% | 1,391 |
| Earnings coverage of net charge-offs (x) | 1.9583% | 1,948 |
| Efficiency ratio | 66.5877% | 2,142 |
| Assets per employee ($millions) | 3.4773% | 4,409 |
| Cash dividends to net income (ytd only)* | 64.1221% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 995 |
| Loan loss allowance to noncurrent loans | 262.9371% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 737 |
| Noncurrent loans to loans | 0.6109% | 1,223 |
| Net loans and leases to total assets | 66.2400% | 2,035 |
| Net loans and leases to deposits | 75.3205% | 2,180 |
| Net loans and leases to core deposits | 76.1296% | 2,521 |
| Total domestic deposits to total assets | 87.9400% | 1,946 |
| Equity capital to assets | 11.9288% | 1,017 |
| Core capital (leverage) ratio | 11.7814% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $34,402,000 | 4,548 |
| Average earning assets | $32,196,000 | 4,517 |
| Average equity | $4,124,500 | 4,444 |
| Average total loans | $23,399,500 | 4,339 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 440 |
| Cost of funding earning assets | 0.2712% | 3,143 |
| Net interest margin | 4.5174% | 285 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 3.0419% | 907 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.3177% | 1,367 |
| Return on assets (ROA) | 1.3177% | 1,329 |
| Pretax return on assets | 1.3177% | 2,023 |
| Return on Equity (ROE) | 11.3200% | 2,377 |
| Retained earnings to average equity (ytd only) | 3.3929% | 3,597 |
| Net charge-offs to loans | 0.0762% | 884 |
| Credit loss provision to net charge-offs | 527.7778% | 655 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,668 |
| Efficiency ratio | 65.6503% | 2,275 |
| Assets per employee ($millions) | 3.0937% | 4,511 |
| Cash dividends to net income (ytd only)* | 70.0219% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 566 |
| Loan loss allowance to noncurrent loans | 456.2500% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 917 |
| Noncurrent loans to loans | 0.4104% | 1,698 |
| Net loans and leases to total assets | 67.4400% | 1,891 |
| Net loans and leases to deposits | 76.7574% | 2,054 |
| Net loans and leases to core deposits | 77.6008% | 2,309 |
| Total domestic deposits to total assets | 87.8700% | 2,115 |
| Equity capital to assets | 12.0508% | 915 |
| Core capital (leverage) ratio | 11.5495% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $34,682,400 | 4,578 |
| Average earning assets | $32,452,600 | 4,545 |
| Average equity | $4,037,800 | 4,531 |
| Average total loans | $23,623,400 | 4,350 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 404 |
| Cost of funding earning assets | 0.2614% | 2,589 |
| Net interest margin | 4.3661% | 298 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.9539% | 966 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4770% | 896 |
| Return on assets (ROA) | 1.4770% | 881 |
| Pretax return on assets | 1.4770% | 1,481 |
| Return on Equity (ROE) | 12.8000% | 1,775 |
| Retained earnings to average equity (ytd only) | 4.8399% | 3,154 |
| Net charge-offs to loans | 0.0225% | 1,382 |
| Credit loss provision to net charge-offs | 375.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 100.2500% | 949 |
| Efficiency ratio | 65.8142% | 2,303 |
| Assets per employee ($millions) | 3.2457% | 4,532 |
| Cash dividends to net income (ytd only)* | 62.1762% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,129 |
| Loan loss allowance to noncurrent loans | 1,328.5714% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 1,442 |
| Noncurrent loans to loans | 0.1180% | 3,056 |
| Net loans and leases to total assets | 65.4200% | 1,943 |
| Net loans and leases to deposits | 74.0262% | 2,044 |
| Net loans and leases to core deposits | 75.5271% | 2,235 |
| Total domestic deposits to total assets | 88.3700% | 2,316 |
| Equity capital to assets | 11.5116% | 1,008 |
| Core capital (leverage) ratio | 11.5856% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $34,845,250 | 4,614 |
| Average earning assets | $32,644,500 | 4,580 |
| Average equity | $4,022,000 | 4,575 |
| Average total loans | $23,681,750 | 4,382 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 391 |
| Cost of funding earning assets | 0.2585% | 2,161 |
| Net interest margin | 4.2100% | 332 |
| Noninterest income to average assets | 0.3935% | 2,796 |
| Noninterest expense to average assets | 2.9920% | 850 |
| Loan and lease loss provision to assets | 0.0579% | 1,549 |
| Net operating income to assets | 1.3021% | 1,131 |
| Return on assets (ROA) | 1.3021% | 1,113 |
| Pretax return on assets | 1.3021% | 1,743 |
| Return on Equity (ROE) | 11.2707% | 1,900 |
| Retained earnings to average equity (ytd only) | 3.2560% | 3,370 |
| Net charge-offs to loans | 0.0169% | 1,408 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 117.5000% | 749 |
| Efficiency ratio | 68.7500% | 2,135 |
| Assets per employee ($millions) | 3.5544% | 4,534 |
| Cash dividends to net income (ytd only)* | 71.1111% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,226 |
| Loan loss allowance to noncurrent loans | 7,380.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 1,287 |
| Noncurrent loans to loans | 0.0212% | 3,806 |
| Net loans and leases to total assets | 65.2431% | 1,786 |
| Net loans and leases to deposits | 73.6471% | 1,903 |
| Net loans and leases to core deposits | 75.1410% | 2,080 |
| Total domestic deposits to total assets | 88.5888% | 2,336 |
| Equity capital to assets | 11.3352% | 1,086 |
| Core capital (leverage) ratio | 11.1808% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,559,333 | 4,652 |
| Average earning assets | $32,494,333 | 4,637 |
| Average equity | $3,992,667 | 4,619 |
| Average total loans | $23,666,333 | 4,437 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 382 |
| Cost of funding earning assets | 0.2624% | 2,015 |
| Net interest margin | 4.1356% | 317 |
| Noninterest income to average assets | 0.3992% | 2,694 |
| Noninterest expense to average assets | 3.0998% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1859% | 1,279 |
| Return on assets (ROA) | 1.1859% | 1,278 |
| Pretax return on assets | 1.1859% | 1,851 |
| Return on Equity (ROE) | 10.1648% | 1,904 |
| Retained earnings to average equity (ytd only) | 2.1135% | 3,514 |
| Net charge-offs to loans | 0.0506% | 783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,080 |
| Efficiency ratio | 72.3288% | 1,932 |
| Assets per employee ($millions) | 3.1988% | 4,628 |
| Cash dividends to net income (ytd only)* | 79.2079% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 1,484 |
| Loan loss allowance to noncurrent loans | 7,160.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 1,510 |
| Noncurrent loans to loans | 0.0213% | 3,844 |
| Net loans and leases to total assets | 65.7714% | 1,433 |
| Net loans and leases to deposits | 74.2381% | 1,585 |
| Net loans and leases to core deposits | 75.7595% | 1,798 |
| Total domestic deposits to total assets | 88.5952% | 2,254 |
| Equity capital to assets | 11.3252% | 1,184 |
| Core capital (leverage) ratio | 11.5695% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,067,000 | 4,681 |
| Average earning assets | $32,015,000 | 4,668 |
| Average equity | $3,974,500 | 4,655 |
| Average total loans | $23,720,000 | 4,456 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 325 |
| Cost of funding earning assets | 0.3056% | 2,356 |
| Net interest margin | 4.5573% | 243 |
| Noninterest income to average assets | 0.4008% | 3,040 |
| Noninterest expense to average assets | 3.1074% | 834 |
| Loan and lease loss provision to assets | 0.1880% | 594 |
| Net operating income to assets | 1.3811% | 1,342 |
| Return on assets (ROA) | 1.3811% | 1,393 |
| Pretax return on assets | 1.3811% | 2,110 |
| Return on Equity (ROE) | 11.4842% | 1,989 |
| Retained earnings to average equity (ytd only) | 3.7939% | 3,295 |
| Net charge-offs to loans | 0.1266% | 721 |
| Credit loss provision to net charge-offs | 210.3448% | 1,281 |
| Earnings coverage of net charge-offs (x) | 17.5517% | 1,939 |
| Efficiency ratio | 66.4469% | 2,203 |
| Assets per employee ($millions) | 2.9952% | 4,689 |
| Cash dividends to net income (ytd only)* | 66.9643% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,520 |
| Loan loss allowance to noncurrent loans | 925.6410% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 1,266 |
| Noncurrent loans to loans | 0.1629% | 3,126 |
| Net loans and leases to total assets | 71.5634% | 875 |
| Net loans and leases to deposits | 81.4129% | 1,108 |
| Net loans and leases to core deposits | 83.2086% | 1,375 |
| Total domestic deposits to total assets | 87.9018% | 2,098 |
| Equity capital to assets | 12.0314% | 1,240 |
| Core capital (leverage) ratio | 12.0209% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,438,400 | 4,727 |
| Average earning assets | $30,434,400 | 4,712 |
| Average equity | $3,901,000 | 4,711 |
| Average total loans | $22,905,600 | 4,515 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 363 |
| Cost of funding earning assets | 0.3169% | 2,438 |
| Net interest margin | 4.5596% | 285 |
| Noninterest income to average assets | 0.3961% | 3,112 |
| Noninterest expense to average assets | 3.0618% | 875 |
| Loan and lease loss provision to assets | 0.0990% | 1,210 |
| Net operating income to assets | 1.5103% | 1,247 |
| Return on assets (ROA) | 1.5103% | 1,296 |
| Pretax return on assets | 1.5103% | 1,972 |
| Return on Equity (ROE) | 12.5600% | 1,845 |
| Retained earnings to average equity (ytd only) | 5.0103% | 3,214 |
| Net charge-offs to loans | 0.1119% | 685 |
| Credit loss provision to net charge-offs | 126.3158% | 1,437 |
| Earnings coverage of net charge-offs (x) | 20.5263% | 1,729 |
| Efficiency ratio | 65.5477% | 2,167 |
| Assets per employee ($millions) | 2.9310% | 4,763 |
| Cash dividends to net income (ytd only)* | 60.1093% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,949 |
| Loan loss allowance to noncurrent loans | 112.4579% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.4516% | 348 |
| Noncurrent loans to loans | 1.2612% | 875 |
| Net loans and leases to total assets | 72.0046% | 874 |
| Net loans and leases to deposits | 82.2760% | 1,097 |
| Net loans and leases to core deposits | 83.2347% | 1,479 |
| Total domestic deposits to total assets | 87.5159% | 2,100 |
| Equity capital to assets | 12.2887% | 1,265 |
| Core capital (leverage) ratio | 12.3086% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,311,250 | 4,798 |
| Average earning assets | $30,294,250 | 4,784 |
| Average equity | $3,885,250 | 4,780 |
| Average total loans | $22,647,250 | 4,581 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 416 |
| Cost of funding earning assets | 0.3289% | 2,501 |
| Net interest margin | 4.5584% | 322 |
| Noninterest income to average assets | 0.3773% | 3,230 |
| Noninterest expense to average assets | 3.0741% | 872 |
| Loan and lease loss provision to assets | 0.0619% | 1,804 |
| Net operating income to assets | 1.5278% | 1,220 |
| Return on assets (ROA) | 1.5278% | 1,287 |
| Pretax return on assets | 1.5278% | 1,929 |
| Return on Equity (ROE) | 12.7990% | 1,784 |
| Retained earnings to average equity (ytd only) | 5.0263% | 3,172 |
| Net charge-offs to loans | -0.0089% | 3,632 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9151% | 2,169 |
| Assets per employee ($millions) | 2.9203% | 4,797 |
| Cash dividends to net income (ytd only)* | 60.7287% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,574 |
| Loan loss allowance to noncurrent loans | 106.2500% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.5690% | 344 |
| Noncurrent loans to loans | 1.4172% | 824 |
| Net loans and leases to total assets | 69.2339% | 1,293 |
| Net loans and leases to deposits | 78.9941% | 1,519 |
| Net loans and leases to core deposits | 79.9166% | 1,893 |
| Total domestic deposits to total assets | 87.6444% | 2,020 |
| Equity capital to assets | 12.1813% | 1,282 |
| Core capital (leverage) ratio | 11.8824% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,334,667 | 4,832 |
| Average earning assets | $30,405,333 | 4,813 |
| Average equity | $3,859,667 | 4,812 |
| Average total loans | $22,346,667 | 4,622 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 734 |
| Cost of funding earning assets | 0.3816% | 2,245 |
| Net interest margin | 4.1586% | 655 |
| Noninterest income to average assets | 0.3699% | 3,247 |
| Noninterest expense to average assets | 2.9839% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2823% | 1,883 |
| Return on assets (ROA) | 1.2823% | 1,955 |
| Pretax return on assets | 1.2823% | 2,615 |
| Return on Equity (ROE) | 10.8531% | 2,406 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,621 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9422% | 1,709 |
| Assets per employee ($millions) | 3.0695% | 4,808 |
| Cash dividends to net income (ytd only)* | 67.3077% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 1,639 |
| Loan loss allowance to noncurrent loans | 46.4689% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.6211% | 140 |
| Noncurrent loans to loans | 3.2088% | 232 |
| Net loans and leases to total assets | 64.3733% | 1,998 |
| Net loans and leases to deposits | 72.7653% | 2,238 |
| Net loans and leases to core deposits | 73.5657% | 2,552 |
| Total domestic deposits to total assets | 88.4670% | 1,621 |
| Equity capital to assets | 11.4027% | 1,602 |
| Core capital (leverage) ratio | 11.9680% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,440,500 | 4,854 |
| Average earning assets | $30,395,000 | 4,835 |
| Average equity | $3,833,000 | 4,837 |
| Average total loans | $22,230,000 | 4,650 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 373 |
| Cost of funding earning assets | 0.5971% | 2,334 |
| Net interest margin | 4.5509% | 295 |
| Noninterest income to average assets | 0.3896% | 3,154 |
| Noninterest expense to average assets | 3.1924% | 1,069 |
| Loan and lease loss provision to assets | 0.1320% | 2,713 |
| Net operating income to assets | 1.3040% | 1,238 |
| Return on assets (ROA) | 1.3040% | 1,336 |
| Pretax return on assets | 1.3040% | 1,962 |
| Return on Equity (ROE) | 10.9372% | 1,650 |
| Retained earnings to average equity (ytd only) | 1.7131% | 3,943 |
| Net charge-offs to loans | 0.1158% | 1,326 |
| Credit loss provision to net charge-offs | 161.5385% | 2,364 |
| Earnings coverage of net charge-offs (x) | 17.5769% | 2,071 |
| Efficiency ratio | 68.9749% | 2,101 |
| Assets per employee ($millions) | 2.8288% | 4,850 |
| Cash dividends to net income (ytd only)* | 84.3373% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,692 |
| Loan loss allowance to noncurrent loans | 43.0628% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.7573% | 146 |
| Noncurrent loans to loans | 3.4113% | 215 |
| Net loans and leases to total assets | 70.9162% | 1,438 |
| Net loans and leases to deposits | 80.9382% | 1,770 |
| Net loans and leases to core deposits | 81.9147% | 2,200 |
| Total domestic deposits to total assets | 87.6177% | 1,648 |
| Equity capital to assets | 12.2634% | 1,442 |
| Core capital (leverage) ratio | 12.1827% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,826,000 | 4,858 |
| Average earning assets | $29,642,800 | 4,844 |
| Average equity | $3,794,400 | 4,856 |
| Average total loans | $22,449,400 | 4,669 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 402 |
| Cost of funding earning assets | 0.6337% | 2,413 |
| Net interest margin | 4.5784% | 320 |
| Noninterest income to average assets | 0.3833% | 3,166 |
| Noninterest expense to average assets | 3.1454% | 1,160 |
| Loan and lease loss provision to assets | 0.0500% | 3,727 |
| Net operating income to assets | 1.4623% | 973 |
| Return on assets (ROA) | 1.4623% | 1,057 |
| Pretax return on assets | 1.4623% | 1,539 |
| Return on Equity (ROE) | 12.3512% | 1,287 |
| Retained earnings to average equity (ytd only) | 2.8503% | 3,581 |
| Net charge-offs to loans | 0.0178% | 2,503 |
| Credit loss provision to net charge-offs | 400.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 692 |
| Efficiency ratio | 67.5313% | 2,243 |
| Assets per employee ($millions) | 2.8402% | 4,877 |
| Cash dividends to net income (ytd only)* | 76.9231% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,568 |
| Loan loss allowance to noncurrent loans | 65.7143% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.9013% | 368 |
| Noncurrent loans to loans | 2.1931% | 530 |
| Net loans and leases to total assets | 70.4852% | 1,877 |
| Net loans and leases to deposits | 80.5362% | 2,260 |
| Net loans and leases to core deposits | 81.5049% | 2,699 |
| Total domestic deposits to total assets | 87.5200% | 1,437 |
| Equity capital to assets | 12.2655% | 1,537 |
| Core capital (leverage) ratio | 11.9645% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,003,250 | 4,881 |
| Average earning assets | $29,878,750 | 4,869 |
| Average equity | $3,789,000 | 4,882 |
| Average total loans | $22,462,750 | 4,696 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 578 |
| Cost of funding earning assets | 0.6906% | 2,444 |
| Net interest margin | 4.5021% | 498 |
| Noninterest income to average assets | 0.3782% | 3,212 |
| Noninterest expense to average assets | 3.0815% | 1,398 |
| Loan and lease loss provision to assets | 0.0744% | 3,365 |
| Net operating income to assets | 1.4260% | 1,059 |
| Return on assets (ROA) | 1.4260% | 1,147 |
| Pretax return on assets | 1.4260% | 1,655 |
| Return on Equity (ROE) | 12.1865% | 1,291 |
| Retained earnings to average equity (ytd only) | 2.1194% | 3,704 |
| Net charge-offs to loans | -0.0444% | 4,656 |
| Credit loss provision to net charge-offs | -240.0000% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2530% | 2,342 |
| Assets per employee ($millions) | 2.7030% | 4,924 |
| Cash dividends to net income (ytd only)* | 82.6087% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,160 |
| Loan loss allowance to noncurrent loans | 53.2258% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.2321% | 290 |
| Noncurrent loans to loans | 2.8852% | 358 |
| Net loans and leases to total assets | 65.2331% | 2,733 |
| Net loans and leases to deposits | 73.9799% | 3,075 |
| Net loans and leases to core deposits | 74.8302% | 3,384 |
| Total domestic deposits to total assets | 88.1767% | 1,095 |
| Equity capital to assets | 11.6876% | 1,839 |
| Core capital (leverage) ratio | 11.3905% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,257,000 | 4,908 |
| Average earning assets | $30,119,000 | 4,896 |
| Average equity | $3,774,667 | 4,913 |
| Average total loans | $22,502,667 | 4,722 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4440% | 420 |
| Cost of funding earning assets | 0.7089% | 2,896 |
| Net interest margin | 4.7351% | 303 |
| Noninterest income to average assets | 0.4228% | 2,949 |
| Noninterest expense to average assets | 3.0092% | 1,869 |
| Loan and lease loss provision to assets | 0.0622% | 2,992 |
| Net operating income to assets | 1.7533% | 450 |
| Return on assets (ROA) | 1.7533% | 497 |
| Pretax return on assets | 1.7533% | 763 |
| Return on Equity (ROE) | 14.9741% | 547 |
| Retained earnings to average equity (ytd only) | 3.2922% | 2,961 |
| Net charge-offs to loans | -0.1391% | 4,887 |
| Credit loss provision to net charge-offs | -62.5000% | 3,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3711% | 3,455 |
| Assets per employee ($millions) | 3.3022% | 4,639 |
| Cash dividends to net income (ytd only)* | 78.0142% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,700 |
| Loan loss allowance to noncurrent loans | 77.3810% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.5838% | 652 |
| Noncurrent loans to loans | 1.8100% | 828 |
| Net loans and leases to total assets | 69.2871% | 2,355 |
| Net loans and leases to deposits | 78.3213% | 2,852 |
| Net loans and leases to core deposits | 79.2024% | 3,268 |
| Total domestic deposits to total assets | 88.4653% | 904 |
| Equity capital to assets | 11.4530% | 2,484 |
| Core capital (leverage) ratio | 11.5192% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,167,500 | 4,951 |
| Average earning assets | $29,904,500 | 4,936 |
| Average equity | $3,766,500 | 4,959 |
| Average total loans | $23,009,500 | 4,745 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7018% | 398 |
| Cost of funding earning assets | 0.6757% | 3,283 |
| Net interest margin | 5.0262% | 254 |
| Noninterest income to average assets | 0.5042% | 2,711 |
| Noninterest expense to average assets | 3.2740% | 1,349 |
| Loan and lease loss provision to assets | 0.1276% | 1,672 |
| Net operating income to assets | 1.7550% | 587 |
| Return on assets (ROA) | 1.7550% | 620 |
| Pretax return on assets | 1.7550% | 1,057 |
| Return on Equity (ROE) | 14.8625% | 714 |
| Retained earnings to average equity (ytd only) | 3.2427% | 3,396 |
| Net charge-offs to loans | 0.1222% | 1,535 |
| Credit loss provision to net charge-offs | 142.8571% | 1,797 |
| Earnings coverage of net charge-offs (x) | 21.0714% | 1,905 |
| Efficiency ratio | 63.4901% | 3,146 |
| Assets per employee ($millions) | 3.1313% | 4,746 |
| Cash dividends to net income (ytd only)* | 78.1818% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,638 |
| Loan loss allowance to noncurrent loans | 116.4179% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 987 |
| Noncurrent loans to loans | 1.1747% | 1,285 |
| Net loans and leases to total assets | 71.8615% | 2,113 |
| Net loans and leases to deposits | 81.6977% | 2,591 |
| Net loans and leases to core deposits | 82.6732% | 3,072 |
| Total domestic deposits to total assets | 87.9603% | 1,140 |
| Equity capital to assets | 11.9791% | 2,145 |
| Core capital (leverage) ratio | 12.0074% | 1,773 |
| Tier 1 risk-based capital ratio | 16.8388% | 2,108 |
| Total risk-based capital ratio | 18.0912% | 2,049 |
| Memoranda: | ||
| Average total assets | $31,338,200 | 5,012 |
| Average earning assets | $29,008,200 | 4,997 |
| Average equity | $3,700,600 | 5,020 |
| Average total loans | $22,905,800 | 4,809 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6893% | 423 |
| Cost of funding earning assets | 0.6607% | 3,393 |
| Net interest margin | 5.0286% | 272 |
| Noninterest income to average assets | 0.4594% | 2,963 |
| Noninterest expense to average assets | 3.2668% | 1,337 |
| Loan and lease loss provision to assets | 0.0851% | 2,208 |
| Net operating income to assets | 1.7695% | 649 |
| Return on assets (ROA) | 1.7695% | 683 |
| Pretax return on assets | 1.7695% | 1,162 |
| Return on Equity (ROE) | 15.0393% | 771 |
| Retained earnings to average equity (ytd only) | 4.1936% | 3,301 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7874% | 3,041 |
| Assets per employee ($millions) | 3.1316% | 4,813 |
| Cash dividends to net income (ytd only)* | 72.1157% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 1,673 |
| Loan loss allowance to noncurrent loans | 189.3491% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0027% | 1,337 |
| Noncurrent loans to loans | 0.7254% | 2,153 |
| Net loans and leases to total assets | 73.3746% | 1,935 |
| Net loans and leases to deposits | 83.4653% | 2,511 |
| Net loans and leases to core deposits | 84.4624% | 3,050 |
| Total domestic deposits to total assets | 87.9103% | 1,073 |
| Equity capital to assets | 11.9651% | 2,288 |
| Core capital (leverage) ratio | 11.9678% | 1,871 |
| Tier 1 risk-based capital ratio | 16.5863% | 2,234 |
| Total risk-based capital ratio | 17.8390% | 2,162 |
| Memoranda: | ||
| Average total assets | $31,344,500 | 5,086 |
| Average earning assets | $29,059,500 | 5,073 |
| Average equity | $3,688,000 | 5,094 |
| Average total loans | $22,928,750 | 4,881 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6711% | 427 |
| Cost of funding earning assets | 0.6355% | 3,483 |
| Net interest margin | 5.0356% | 272 |
| Noninterest income to average assets | 0.4465% | 2,976 |
| Noninterest expense to average assets | 3.2149% | 1,478 |
| Loan and lease loss provision to assets | 0.1276% | 1,463 |
| Net operating income to assets | 1.7542% | 654 |
| Return on assets (ROA) | 1.7542% | 683 |
| Pretax return on assets | 1.7542% | 1,163 |
| Return on Equity (ROE) | 14.9932% | 761 |
| Retained earnings to average equity (ytd only) | 4.0891% | 3,202 |
| Net charge-offs to loans | 0.0877% | 1,486 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,479 |
| Efficiency ratio | 63.0788% | 3,271 |
| Assets per employee ($millions) | 3.1603% | 4,800 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,781 |
| Loan loss allowance to noncurrent loans | 115.2416% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 962 |
| Noncurrent loans to loans | 1.1789% | 1,364 |
| Net loans and leases to total assets | 71.2179% | 2,339 |
| Net loans and leases to deposits | 80.7803% | 2,872 |
| Net loans and leases to core deposits | 81.7337% | 3,283 |
| Total domestic deposits to total assets | 88.1625% | 1,024 |
| Equity capital to assets | 11.7267% | 2,408 |
| Core capital (leverage) ratio | 11.9237% | 1,874 |
| Tier 1 risk-based capital ratio | 16.5469% | 2,220 |
| Total risk-based capital ratio | 17.7970% | 2,172 |
| Memoranda: | ||
| Average total assets | $31,354,000 | 5,131 |
| Average earning assets | $28,954,000 | 5,121 |
| Average equity | $3,668,330 | 5,134 |
| Average total loans | $22,805,670 | 4,923 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5627% | 466 |
| Cost of funding earning assets | 0.5950% | 3,601 |
| Net interest margin | 4.9677% | 299 |
| Noninterest income to average assets | 0.4483% | 2,861 |
| Noninterest expense to average assets | 3.1637% | 1,589 |
| Loan and lease loss provision to assets | 0.1281% | 1,362 |
| Net operating income to assets | 1.7548% | 647 |
| Return on assets (ROA) | 1.7548% | 667 |
| Pretax return on assets | 1.7548% | 1,087 |
| Return on Equity (ROE) | 15.0158% | 747 |
| Retained earnings to average equity (ytd only) | 4.0554% | 3,296 |
| Net charge-offs to loans | 0.0526% | 1,532 |
| Credit loss provision to net charge-offs | 333.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,042 |
| Efficiency ratio | 62.6904% | 3,432 |
| Assets per employee ($millions) | 2.8905% | 5,027 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 1,868 |
| Loan loss allowance to noncurrent loans | 118.0769% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2738% | 1,038 |
| Noncurrent loans to loans | 1.1439% | 1,460 |
| Net loans and leases to total assets | 70.5205% | 2,402 |
| Net loans and leases to deposits | 79.7851% | 2,863 |
| Net loans and leases to core deposits | 80.7186% | 3,300 |
| Total domestic deposits to total assets | 88.3881% | 1,137 |
| Equity capital to assets | 11.5364% | 2,368 |
| Core capital (leverage) ratio | 11.6696% | 2,010 |
| Tier 1 risk-based capital ratio | 16.4425% | 2,291 |
| Total risk-based capital ratio | 17.6932% | 2,235 |
| Memoranda: | ||
| Average total assets | $31,229,500 | 5,185 |
| Average earning assets | $28,907,000 | 5,173 |
| Average equity | $3,649,500 | 5,187 |
| Average total loans | $22,800,000 | 4,979 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4894% | 411 |
| Cost of funding earning assets | 0.5282% | 3,188 |
| Net interest margin | 4.9612% | 288 |
| Noninterest income to average assets | 0.5526% | 2,536 |
| Noninterest expense to average assets | 3.4235% | 1,113 |
| Loan and lease loss provision to assets | 0.3695% | 398 |
| Net operating income to assets | 1.3668% | 1,545 |
| Return on assets (ROA) | 1.3668% | 1,533 |
| Pretax return on assets | 1.3668% | 2,253 |
| Return on Equity (ROE) | 11.5387% | 1,885 |
| Retained earnings to average equity (ytd only) | 2.1531% | 4,294 |
| Net charge-offs to loans | 0.6808% | 242 |
| Credit loss provision to net charge-offs | 74.8344% | 2,930 |
| Earnings coverage of net charge-offs (x) | 3.5166% | 3,400 |
| Efficiency ratio | 66.3498% | 2,812 |
| Assets per employee ($millions) | 3.0664% | 4,954 |
| Cash dividends to net income (ytd only)* | 81.3397% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 1,983 |
| Loan loss allowance to noncurrent loans | 56.2852% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.2111% | 389 |
| Noncurrent loans to loans | 2.3305% | 538 |
| Net loans and leases to total assets | 73.6075% | 1,989 |
| Net loans and leases to deposits | 83.5592% | 2,556 |
| Net loans and leases to core deposits | 84.5768% | 3,026 |
| Total domestic deposits to total assets | 88.0903% | 1,257 |
| Equity capital to assets | 11.8412% | 2,003 |
| Core capital (leverage) ratio | 11.9831% | 1,741 |
| Tier 1 risk-based capital ratio | 16.2432% | 2,325 |
| Total risk-based capital ratio | 17.4958% | 2,270 |
| Memoranda: | ||
| Average total assets | $30,582,800 | 5,231 |
| Average earning assets | $28,400,400 | 5,217 |
| Average equity | $3,622,600 | 5,220 |
| Average total loans | $22,178,600 | 5,024 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4235% | 427 |
| Cost of funding earning assets | 0.5156% | 3,094 |
| Net interest margin | 4.9079% | 314 |
| Noninterest income to average assets | 0.5846% | 2,390 |
| Noninterest expense to average assets | 3.3941% | 1,130 |
| Loan and lease loss provision to assets | 0.0698% | 2,571 |
| Net operating income to assets | 1.6883% | 768 |
| Return on assets (ROA) | 1.6883% | 767 |
| Pretax return on assets | 1.6883% | 1,304 |
| Return on Equity (ROE) | 14.2519% | 1,053 |
| Retained earnings to average equity (ytd only) | 5.0452% | 3,213 |
| Net charge-offs to loans | 0.1818% | 922 |
| Credit loss provision to net charge-offs | 53.3333% | 2,802 |
| Earnings coverage of net charge-offs (x) | 13.4330% | 2,359 |
| Efficiency ratio | 65.8764% | 2,892 |
| Assets per employee ($millions) | 2.7809% | 5,164 |
| Cash dividends to net income (ytd only)* | 64.6001% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,532 |
| Loan loss allowance to noncurrent loans | 79.4118% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.7097% | 716 |
| Noncurrent loans to loans | 1.8232% | 842 |
| Net loans and leases to total assets | 72.0955% | 2,316 |
| Net loans and leases to deposits | 82.1103% | 2,805 |
| Net loans and leases to core deposits | 83.1160% | 3,238 |
| Total domestic deposits to total assets | 87.8032% | 1,335 |
| Equity capital to assets | 12.0628% | 1,867 |
| Core capital (leverage) ratio | 12.1706% | 1,680 |
| Tier 1 risk-based capital ratio | 16.6239% | 2,231 |
| Total risk-based capital ratio | 17.8763% | 2,178 |
| Memoranda: | ||
| Average total assets | $30,562,500 | 5,297 |
| Average earning assets | $28,443,250 | 5,281 |
| Average equity | $3,620,500 | 5,287 |
| Average total loans | $22,005,500 | 5,091 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 448 |
| Cost of funding earning assets | 0.5065% | 2,961 |
| Net interest margin | 4.8186% | 354 |
| Noninterest income to average assets | 0.6284% | 2,185 |
| Noninterest expense to average assets | 3.3712% | 1,178 |
| Loan and lease loss provision to assets | 0.0327% | 3,259 |
| Net operating income to assets | 1.7085% | 706 |
| Return on assets (ROA) | 1.7085% | 709 |
| Pretax return on assets | 1.7085% | 1,189 |
| Return on Equity (ROE) | 14.5108% | 955 |
| Retained earnings to average equity (ytd only) | 5.6153% | 2,763 |
| Net charge-offs to loans | 0.2102% | 752 |
| Credit loss provision to net charge-offs | 21.7391% | 2,680 |
| Earnings coverage of net charge-offs (x) | 11.5652% | 2,258 |
| Efficiency ratio | 65.9411% | 2,994 |
| Assets per employee ($millions) | 2.7422% | 5,242 |
| Cash dividends to net income (ytd only)* | 61.3027% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,656 |
| Loan loss allowance to noncurrent loans | 159.2040% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 1,427 |
| Noncurrent loans to loans | 0.8968% | 1,928 |
| Net loans and leases to total assets | 73.2429% | 2,084 |
| Net loans and leases to deposits | 83.4233% | 2,600 |
| Net loans and leases to core deposits | 84.4598% | 3,045 |
| Total domestic deposits to total assets | 87.7967% | 1,475 |
| Equity capital to assets | 12.1138% | 1,775 |
| Core capital (leverage) ratio | 11.8529% | 1,800 |
| Tier 1 risk-based capital ratio | 16.6492% | 2,210 |
| Total risk-based capital ratio | 17.9022% | 2,158 |
| Memoranda: | ||
| Average total assets | $30,553,330 | 5,363 |
| Average earning assets | $28,431,330 | 5,347 |
| Average equity | $3,597,330 | 5,353 |
| Average total loans | $21,881,330 | 5,152 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 529 |
| Cost of funding earning assets | 0.5302% | 2,539 |
| Net interest margin | 4.6322% | 469 |
| Noninterest income to average assets | 0.5204% | 2,684 |
| Noninterest expense to average assets | 3.3823% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4570% | 1,178 |
| Return on assets (ROA) | 1.4570% | 1,181 |
| Pretax return on assets | 1.4570% | 1,812 |
| Return on Equity (ROE) | 12.5525% | 1,396 |
| Retained earnings to average equity (ytd only) | 3.5864% | 3,768 |
| Net charge-offs to loans | 0.2961% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,127 |
| Efficiency ratio | 69.8925% | 2,497 |
| Assets per employee ($millions) | 2.8745% | 5,237 |
| Cash dividends to net income (ytd only)* | 71.4286% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,564 |
| Loan loss allowance to noncurrent loans | 100.9404% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 1,066 |
| Noncurrent loans to loans | 1.4614% | 1,212 |
| Net loans and leases to total assets | 68.0192% | 2,769 |
| Net loans and leases to deposits | 76.7860% | 3,132 |
| Net loans and leases to core deposits | 77.6875% | 3,521 |
| Total domestic deposits to total assets | 88.5828% | 1,315 |
| Equity capital to assets | 11.3381% | 2,265 |
| Core capital (leverage) ratio | 11.5344% | 1,984 |
| Tier 1 risk-based capital ratio | 16.4088% | 2,318 |
| Total risk-based capital ratio | 17.6629% | 2,255 |
| Memoranda: | ||
| Average total assets | $30,748,000 | 5,419 |
| Average earning assets | $28,669,000 | 5,403 |
| Average equity | $3,569,000 | 5,412 |
| Average total loans | $21,615,500 | 5,215 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3574% | 332 |
| Cost of funding earning assets | 0.5020% | 2,319 |
| Net interest margin | 4.8554% | 302 |
| Noninterest income to average assets | 0.5588% | 2,661 |
| Noninterest expense to average assets | 3.2186% | 1,570 |
| Loan and lease loss provision to assets | 0.3512% | 447 |
| Net operating income to assets | 1.4975% | 807 |
| Return on assets (ROA) | 1.4975% | 826 |
| Pretax return on assets | 1.4975% | 1,651 |
| Return on Equity (ROE) | 13.3246% | 878 |
| Retained earnings to average equity (ytd only) | 3.3809% | 3,263 |
| Net charge-offs to loans | 0.4558% | 523 |
| Credit loss provision to net charge-offs | 107.8431% | 2,409 |
| Earnings coverage of net charge-offs (x) | 5.6765% | 3,291 |
| Efficiency ratio | 63.5161% | 3,680 |
| Assets per employee ($millions) | 2.7161% | 5,372 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,184 |
| Loan loss allowance to noncurrent loans | 397.6471% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 2,304 |
| Noncurrent loans to loans | 0.3972% | 3,335 |
| Net loans and leases to total assets | 70.5024% | 2,448 |
| Net loans and leases to deposits | 80.0821% | 2,908 |
| Net loans and leases to core deposits | 81.0840% | 3,327 |
| Total domestic deposits to total assets | 88.0376% | 1,477 |
| Equity capital to assets | 11.8921% | 1,915 |
| Core capital (leverage) ratio | 11.5481% | 1,913 |
| Tier 1 risk-based capital ratio | 16.9683% | 2,108 |
| Total risk-based capital ratio | 18.2244% | 2,049 |
| Memoranda: | ||
| Average total assets | $31,318,000 | 5,474 |
| Average earning assets | $29,081,200 | 5,454 |
| Average equity | $3,519,800 | 5,477 |
| Average total loans | $22,380,400 | 5,241 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 330 |
| Cost of funding earning assets | 0.4938% | 2,320 |
| Net interest margin | 4.8290% | 317 |
| Noninterest income to average assets | 0.5345% | 2,808 |
| Noninterest expense to average assets | 3.1019% | 1,797 |
| Loan and lease loss provision to assets | 0.1263% | 1,718 |
| Net operating income to assets | 1.7930% | 475 |
| Return on assets (ROA) | 1.7930% | 484 |
| Pretax return on assets | 1.7930% | 906 |
| Return on Equity (ROE) | 16.1751% | 511 |
| Retained earnings to average equity (ytd only) | 5.9231% | 2,296 |
| Net charge-offs to loans | 0.3241% | 647 |
| Credit loss provision to net charge-offs | 54.5455% | 2,862 |
| Earnings coverage of net charge-offs (x) | 8.2910% | 2,802 |
| Efficiency ratio | 61.7770% | 3,919 |
| Assets per employee ($millions) | 2.8370% | 5,370 |
| Cash dividends to net income (ytd only)* | 63.3796% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,978 |
| Loan loss allowance to noncurrent loans | 169.4444% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 1,804 |
| Noncurrent loans to loans | 0.8144% | 2,326 |
| Net loans and leases to total assets | 69.8465% | 2,581 |
| Net loans and leases to deposits | 79.0606% | 3,063 |
| Net loans and leases to core deposits | 80.0037% | 3,454 |
| Total domestic deposits to total assets | 88.3456% | 1,200 |
| Equity capital to assets | 11.5038% | 2,368 |
| Core capital (leverage) ratio | 11.2156% | 2,256 |
| Tier 1 risk-based capital ratio | 16.4513% | 2,340 |
| Total risk-based capital ratio | 17.7023% | 2,288 |
| Memoranda: | ||
| Average total assets | $31,678,250 | 5,528 |
| Average earning assets | $29,432,750 | 5,507 |
| Average equity | $3,511,500 | 5,543 |
| Average total loans | $22,625,000 | 5,291 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 395 |
| Cost of funding earning assets | 0.4801% | 2,325 |
| Net interest margin | 4.7194% | 381 |
| Noninterest income to average assets | 0.5654% | 2,632 |
| Noninterest expense to average assets | 3.1035% | 1,833 |
| Loan and lease loss provision to assets | 0.0942% | 2,103 |
| Net operating income to assets | 1.7528% | 500 |
| Return on assets (ROA) | 1.7528% | 508 |
| Pretax return on assets | 1.7528% | 939 |
| Return on Equity (ROE) | 16.0100% | 527 |
| Retained earnings to average equity (ytd only) | 5.6810% | 2,308 |
| Net charge-offs to loans | 0.2193% | 929 |
| Credit loss provision to net charge-offs | 60.0000% | 2,465 |
| Earnings coverage of net charge-offs (x) | 11.7600% | 2,246 |
| Efficiency ratio | 62.6904% | 3,866 |
| Assets per employee ($millions) | 2.9903% | 5,275 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,896 |
| Loan loss allowance to noncurrent loans | 130.0813% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.0975% | 1,590 |
| Noncurrent loans to loans | 1.0862% | 1,807 |
| Net loans and leases to total assets | 67.8807% | 2,834 |
| Net loans and leases to deposits | 76.1502% | 3,323 |
| Net loans and leases to core deposits | 77.0037% | 3,682 |
| Total domestic deposits to total assets | 89.1405% | 892 |
| Equity capital to assets | 10.7409% | 3,089 |
| Core capital (leverage) ratio | 10.8368% | 2,563 |
| Tier 1 risk-based capital ratio | 15.6549% | 2,642 |
| Total risk-based capital ratio | 16.9089% | 2,575 |
| Memoranda: | ||
| Average total assets | $31,835,330 | 5,574 |
| Average earning assets | $29,580,000 | 5,551 |
| Average equity | $3,485,330 | 5,588 |
| Average total loans | $22,799,330 | 5,327 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 352 |
| Cost of funding earning assets | 0.4796% | 2,250 |
| Net interest margin | 4.7691% | 324 |
| Noninterest income to average assets | 0.6772% | 2,053 |
| Noninterest expense to average assets | 3.2070% | 1,589 |
| Loan and lease loss provision to assets | 0.0639% | 2,523 |
| Net operating income to assets | 1.8527% | 407 |
| Return on assets (ROA) | 1.8527% | 421 |
| Pretax return on assets | 1.8527% | 717 |
| Return on Equity (ROE) | 16.7557% | 437 |
| Retained earnings to average equity (ytd only) | 6.3556% | 2,158 |
| Net charge-offs to loans | 0.4372% | 418 |
| Credit loss provision to net charge-offs | 20.0000% | 2,169 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,242 |
| Efficiency ratio | 62.5935% | 4,058 |
| Assets per employee ($millions) | 2.9890% | 5,361 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 2,283 |
| Loan loss allowance to noncurrent loans | 170.3297% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 2,051 |
| Noncurrent loans to loans | 0.7959% | 2,468 |
| Net loans and leases to total assets | 68.6091% | 2,585 |
| Net loans and leases to deposits | 76.8324% | 3,100 |
| Net loans and leases to core deposits | 77.6924% | 3,500 |
| Total domestic deposits to total assets | 89.2971% | 1,007 |
| Equity capital to assets | 10.6116% | 3,054 |
| Core capital (leverage) ratio | 11.1242% | 2,255 |
| Tier 1 risk-based capital ratio | 15.4867% | 2,760 |
| Total risk-based capital ratio | 16.7384% | 2,693 |
| Memoranda: | ||
| Average total assets | $31,306,500 | 5,645 |
| Average earning assets | $29,188,000 | 5,622 |
| Average equity | $3,461,500 | 5,650 |
| Average total loans | $22,875,000 | 5,377 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 294 |
| Cost of funding earning assets | 0.4714% | 2,340 |
| Net interest margin | 4.9272% | 283 |
| Noninterest income to average assets | 0.4879% | 3,313 |
| Noninterest expense to average assets | 3.2788% | 1,619 |
| Loan and lease loss provision to assets | 0.1952% | 1,195 |
| Net operating income to assets | 1.6036% | 675 |
| Return on assets (ROA) | 1.6036% | 699 |
| Pretax return on assets | 1.6036% | 1,266 |
| Return on Equity (ROE) | 14.7076% | 668 |
| Retained earnings to average equity (ytd only) | 4.8628% | 2,437 |
| Net charge-offs to loans | 0.1463% | 1,802 |
| Credit loss provision to net charge-offs | 176.4706% | 1,584 |
| Earnings coverage of net charge-offs (x) | 16.2647% | 2,128 |
| Efficiency ratio | 64.5740% | 3,840 |
| Assets per employee ($millions) | 2.7031% | 5,559 |
| Cash dividends to net income (ytd only)* | 66.9371% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,902 |
| Loan loss allowance to noncurrent loans | 165.0000% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 1,714 |
| Noncurrent loans to loans | 0.8740% | 2,352 |
| Net loans and leases to total assets | 75.8458% | 1,535 |
| Net loans and leases to deposits | 85.8176% | 2,202 |
| Net loans and leases to core deposits | 86.8922% | 2,774 |
| Total domestic deposits to total assets | 88.3803% | 1,450 |
| Equity capital to assets | 11.5491% | 2,126 |
| Core capital (leverage) ratio | 11.4007% | 2,008 |
| Tier 1 risk-based capital ratio | 15.7834% | 2,641 |
| Total risk-based capital ratio | 17.0382% | 2,565 |
| Memoranda: | ||
| Average total assets | $30,742,600 | 5,701 |
| Average earning assets | $28,636,800 | 5,681 |
| Average equity | $3,352,000 | 5,720 |
| Average total loans | $23,236,200 | 5,410 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 336 |
| Cost of funding earning assets | 0.4663% | 2,409 |
| Net interest margin | 4.8796% | 318 |
| Noninterest income to average assets | 0.4603% | 3,487 |
| Noninterest expense to average assets | 3.2435% | 1,698 |
| Loan and lease loss provision to assets | 0.1420% | 1,650 |
| Net operating income to assets | 1.6217% | 699 |
| Return on assets (ROA) | 1.6217% | 738 |
| Pretax return on assets | 1.6217% | 1,324 |
| Return on Equity (ROE) | 15.0878% | 656 |
| Retained earnings to average equity (ytd only) | 5.0827% | 2,768 |
| Net charge-offs to loans | 0.0514% | 2,634 |
| Credit loss provision to net charge-offs | 366.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 45.5542% | 1,146 |
| Efficiency ratio | 64.7766% | 3,794 |
| Assets per employee ($millions) | 3.0894% | 5,299 |
| Cash dividends to net income (ytd only)* | 66.3145% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,983 |
| Loan loss allowance to noncurrent loans | 160.2941% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 1,933 |
| Noncurrent loans to loans | 0.9046% | 2,437 |
| Net loans and leases to total assets | 71.9395% | 2,202 |
| Net loans and leases to deposits | 80.9506% | 2,859 |
| Net loans and leases to core deposits | 81.9204% | 3,287 |
| Total domestic deposits to total assets | 88.8684% | 978 |
| Equity capital to assets | 10.9989% | 3,012 |
| Core capital (leverage) ratio | 11.0605% | 2,389 |
| Tier 1 risk-based capital ratio | 15.7308% | 2,736 |
| Total risk-based capital ratio | 16.9853% | 2,672 |
| Memoranda: | ||
| Average total assets | $30,994,750 | 5,759 |
| Average earning assets | $28,881,500 | 5,738 |
| Average equity | $3,331,500 | 5,782 |
| Average total loans | $23,324,750 | 5,464 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 321 |
| Cost of funding earning assets | 0.4686% | 2,389 |
| Net interest margin | 4.8932% | 319 |
| Noninterest income to average assets | 0.4448% | 3,564 |
| Noninterest expense to average assets | 3.2164% | 1,773 |
| Loan and lease loss provision to assets | 0.1805% | 1,209 |
| Net operating income to assets | 1.6243% | 684 |
| Return on assets (ROA) | 1.6243% | 727 |
| Pretax return on assets | 1.6243% | 1,295 |
| Return on Equity (ROE) | 15.2297% | 645 |
| Retained earnings to average equity (ytd only) | 4.9557% | 2,767 |
| Net charge-offs to loans | 0.1018% | 1,812 |
| Credit loss provision to net charge-offs | 233.3333% | 1,163 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,594 |
| Efficiency ratio | 64.0565% | 4,005 |
| Assets per employee ($millions) | 3.1358% | 5,285 |
| Cash dividends to net income (ytd only)* | 67.4603% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,429 |
| Loan loss allowance to noncurrent loans | 70.4194% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 1,225 |
| Noncurrent loans to loans | 1.9467% | 1,027 |
| Net loans and leases to total assets | 73.1903% | 1,983 |
| Net loans and leases to deposits | 82.0499% | 2,710 |
| Net loans and leases to core deposits | 83.0144% | 3,165 |
| Total domestic deposits to total assets | 89.2021% | 811 |
| Equity capital to assets | 10.6926% | 3,410 |
| Core capital (leverage) ratio | 10.8022% | 2,649 |
| Tier 1 risk-based capital ratio | 15.0157% | 3,072 |
| Total risk-based capital ratio | 16.2696% | 3,011 |
| Memoranda: | ||
| Average total assets | $31,028,330 | 5,828 |
| Average earning assets | $29,020,000 | 5,805 |
| Average equity | $3,309,330 | 5,851 |
| Average total loans | $23,582,330 | 5,516 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4705% | 269 |
| Cost of funding earning assets | 0.4582% | 2,487 |
| Net interest margin | 5.0123% | 248 |
| Noninterest income to average assets | 0.4406% | 3,544 |
| Noninterest expense to average assets | 3.2660% | 1,676 |
| Loan and lease loss provision to assets | 0.1296% | 1,633 |
| Net operating income to assets | 1.7237% | 544 |
| Return on assets (ROA) | 1.7237% | 577 |
| Pretax return on assets | 1.7237% | 1,010 |
| Return on Equity (ROE) | 16.1825% | 517 |
| Retained earnings to average equity (ytd only) | 4.0152% | 3,482 |
| Net charge-offs to loans | -0.1854% | 5,826 |
| Credit loss provision to net charge-offs | -90.9091% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7975% | 4,157 |
| Assets per employee ($millions) | 3.1271% | 5,366 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 2,669 |
| Loan loss allowance to noncurrent loans | 70.4348% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4742% | 1,396 |
| Noncurrent loans to loans | 1.9140% | 1,134 |
| Net loans and leases to total assets | 75.8210% | 1,418 |
| Net loans and leases to deposits | 84.8543% | 2,209 |
| Net loans and leases to core deposits | 85.8529% | 2,762 |
| Total domestic deposits to total assets | 89.3544% | 919 |
| Equity capital to assets | 10.5657% | 3,411 |
| Core capital (leverage) ratio | 10.5928% | 2,859 |
| Tier 1 risk-based capital ratio | 14.6240% | 3,328 |
| Total risk-based capital ratio | 15.8766% | 3,266 |
| Memoranda: | ||
| Average total assets | $30,863,500 | 5,894 |
| Average earning assets | $28,809,000 | 5,867 |
| Average equity | $3,287,500 | 5,909 |
| Average total loans | $23,738,500 | 5,560 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 361 |
| Cost of funding earning assets | 0.4942% | 2,205 |
| Net interest margin | 4.8190% | 356 |
| Noninterest income to average assets | 0.5153% | 3,227 |
| Noninterest expense to average assets | 3.1051% | 2,222 |
| Loan and lease loss provision to assets | 0.2298% | 869 |
| Net operating income to assets | 1.6937% | 585 |
| Return on assets (ROA) | 1.6937% | 600 |
| Pretax return on assets | 1.6937% | 1,007 |
| Return on Equity (ROE) | 16.1624% | 539 |
| Retained earnings to average equity (ytd only) | 5.1995% | 2,280 |
| Net charge-offs to loans | 0.3879% | 741 |
| Credit loss provision to net charge-offs | 80.4598% | 2,939 |
| Earnings coverage of net charge-offs (x) | 6.7356% | 3,176 |
| Efficiency ratio | 61.7493% | 4,647 |
| Assets per employee ($millions) | 3.0456% | 5,482 |
| Cash dividends to net income (ytd only)* | 67.8295% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,950 |
| Loan loss allowance to noncurrent loans | 62.8631% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5859% | 1,249 |
| Noncurrent loans to loans | 2.0561% | 1,005 |
| Net loans and leases to total assets | 75.9785% | 1,423 |
| Net loans and leases to deposits | 85.1643% | 2,223 |
| Net loans and leases to core deposits | 87.0088% | 2,696 |
| Total domestic deposits to total assets | 89.2139% | 1,014 |
| Equity capital to assets | 10.7401% | 3,088 |
| Core capital (leverage) ratio | 10.9092% | 2,485 |
| Tier 1 risk-based capital ratio | 14.7582% | 3,300 |
| Total risk-based capital ratio | 16.0079% | 3,230 |
| Memoranda: | ||
| Average total assets | $30,465,600 | 5,949 |
| Average earning assets | $28,533,000 | 5,928 |
| Average equity | $3,192,600 | 5,971 |
| Average total loans | $22,430,600 | 5,636 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 393 |
| Cost of funding earning assets | 0.5180% | 2,058 |
| Net interest margin | 4.7458% | 421 |
| Noninterest income to average assets | 0.4945% | 3,406 |
| Noninterest expense to average assets | 3.1420% | 2,107 |
| Loan and lease loss provision to assets | 0.1532% | 1,420 |
| Net operating income to assets | 1.6498% | 691 |
| Return on assets (ROA) | 1.6498% | 714 |
| Pretax return on assets | 1.6498% | 1,247 |
| Return on Equity (ROE) | 15.8415% | 610 |
| Retained earnings to average equity (ytd only) | 5.3366% | 2,691 |
| Net charge-offs to loans | 0.2946% | 906 |
| Credit loss provision to net charge-offs | 71.4286% | 2,733 |
| Earnings coverage of net charge-offs (x) | 8.4084% | 2,821 |
| Efficiency ratio | 63.5398% | 4,328 |
| Assets per employee ($millions) | 3.0087% | 5,535 |
| Cash dividends to net income (ytd only)* | 66.3145% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,825 |
| Loan loss allowance to noncurrent loans | 66.8122% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6386% | 1,346 |
| Noncurrent loans to loans | 2.0275% | 1,140 |
| Net loans and leases to total assets | 74.0619% | 1,723 |
| Net loans and leases to deposits | 83.1455% | 2,513 |
| Net loans and leases to core deposits | 85.7929% | 2,872 |
| Total domestic deposits to total assets | 89.0750% | 996 |
| Equity capital to assets | 10.7455% | 3,307 |
| Core capital (leverage) ratio | 10.7767% | 2,738 |
| Tier 1 risk-based capital ratio | 14.8760% | 3,357 |
| Total risk-based capital ratio | 16.1275% | 3,303 |
| Memoranda: | ||
| Average total assets | $30,468,000 | 6,030 |
| Average earning assets | $28,572,250 | 6,008 |
| Average equity | $3,173,000 | 6,054 |
| Average total loans | $22,177,500 | 5,713 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1739% | 447 |
| Cost of funding earning assets | 0.5424% | 1,885 |
| Net interest margin | 4.6315% | 502 |
| Noninterest income to average assets | 0.4968% | 3,397 |
| Noninterest expense to average assets | 3.1443% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7062% | 624 |
| Return on assets (ROA) | 1.7062% | 654 |
| Pretax return on assets | 1.7062% | 1,077 |
| Return on Equity (ROE) | 16.5557% | 543 |
| Retained earnings to average equity (ytd only) | 5.7723% | 2,368 |
| Net charge-offs to loans | 0.0272% | 3,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 659 |
| Efficiency ratio | 64.8248% | 4,220 |
| Assets per employee ($millions) | 2.6508% | 5,952 |
| Cash dividends to net income (ytd only)* | 65.1341% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 2,717 |
| Loan loss allowance to noncurrent loans | 91.3545% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 1,973 |
| Noncurrent loans to loans | 1.5416% | 1,719 |
| Net loans and leases to total assets | 76.1069% | 1,353 |
| Net loans and leases to deposits | 85.6206% | 2,089 |
| Net loans and leases to core deposits | 88.4390% | 2,513 |
| Total domestic deposits to total assets | 88.8885% | 1,195 |
| Equity capital to assets | 10.9640% | 2,920 |
| Core capital (leverage) ratio | 10.5393% | 2,903 |
| Tier 1 risk-based capital ratio | 15.0937% | 3,303 |
| Total risk-based capital ratio | 16.3448% | 3,245 |
| Memoranda: | ||
| Average total assets | $30,595,000 | 6,099 |
| Average earning assets | $28,759,670 | 6,070 |
| Average equity | $3,153,000 | 6,118 |
| Average total loans | $22,040,330 | 5,774 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 551 |
| Cost of funding earning assets | 0.5590% | 1,761 |
| Net interest margin | 4.4719% | 634 |
| Noninterest income to average assets | 0.4982% | 3,296 |
| Noninterest expense to average assets | 3.0147% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6734% | 626 |
| Return on assets (ROA) | 1.6734% | 654 |
| Pretax return on assets | 1.6734% | 1,104 |
| Return on Equity (ROE) | 16.7359% | 491 |
| Retained earnings to average equity (ytd only) | 6.5155% | 2,235 |
| Net charge-offs to loans | 0.0183% | 2,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 399 |
| Efficiency ratio | 64.3052% | 4,435 |
| Assets per employee ($millions) | 2.9007% | 5,780 |
| Cash dividends to net income (ytd only)* | 61.0687% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 2,657 |
| Loan loss allowance to noncurrent loans | 177.2222% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 3,115 |
| Noncurrent loans to loans | 0.8204% | 3,193 |
| Net loans and leases to total assets | 67.7636% | 2,489 |
| Net loans and leases to deposits | 75.2908% | 3,137 |
| Net loans and leases to core deposits | 76.8291% | 3,513 |
| Total domestic deposits to total assets | 90.0025% | 748 |
| Equity capital to assets | 9.8941% | 4,278 |
| Core capital (leverage) ratio | 10.0140% | 3,579 |
| Tier 1 risk-based capital ratio | 14.8733% | 3,499 |
| Total risk-based capital ratio | 16.1217% | 3,437 |
| Memoranda: | ||
| Average total assets | $31,313,000 | 6,153 |
| Average earning assets | $29,339,000 | 6,118 |
| Average equity | $3,131,000 | 6,185 |
| Average total loans | $21,806,000 | 5,829 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 284 |
| Cost of funding earning assets | 0.5263% | 2,422 |
| Net interest margin | 5.0423% | 281 |
| Noninterest income to average assets | 0.5253% | 3,320 |
| Noninterest expense to average assets | 3.2354% | 2,111 |
| Loan and lease loss provision to assets | 0.2677% | 815 |
| Net operating income to assets | 1.7666% | 506 |
| Return on assets (ROA) | 1.7666% | 518 |
| Pretax return on assets | 1.7666% | 854 |
| Return on Equity (ROE) | 17.1240% | 477 |
| Retained earnings to average equity (ytd only) | 2.5297% | 4,437 |
| Net charge-offs to loans | 0.3199% | 1,382 |
| Credit loss provision to net charge-offs | 114.2857% | 2,084 |
| Earnings coverage of net charge-offs (x) | 8.6857% | 2,841 |
| Efficiency ratio | 61.3968% | 5,008 |
| Assets per employee ($millions) | 2.7925% | 5,937 |
| Cash dividends to net income (ytd only)* | 85.2273% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 2,580 |
| Loan loss allowance to noncurrent loans | 121.2121% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 2,664 |
| Noncurrent loans to loans | 1.2182% | 2,414 |
| Net loans and leases to total assets | 69.5065% | 2,312 |
| Net loans and leases to deposits | 77.3980% | 3,036 |
| Net loans and leases to core deposits | 79.0456% | 3,404 |
| Total domestic deposits to total assets | 89.8040% | 827 |
| Equity capital to assets | 10.1081% | 3,975 |
| Core capital (leverage) ratio | 10.2658% | 3,222 |
| Tier 1 risk-based capital ratio | 14.9675% | 3,502 |
| Total risk-based capital ratio | 16.2208% | 3,437 |
| Memoranda: | ||
| Average total assets | $29,887,800 | 6,253 |
| Average earning assets | $28,122,000 | 6,217 |
| Average equity | $3,083,400 | 6,256 |
| Average total loans | $21,883,800 | 5,885 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 297 |
| Cost of funding earning assets | 0.5241% | 2,527 |
| Net interest margin | 5.0270% | 284 |
| Noninterest income to average assets | 0.5301% | 3,322 |
| Noninterest expense to average assets | 3.1131% | 2,437 |
| Loan and lease loss provision to assets | 0.1123% | 2,174 |
| Net operating income to assets | 2.0440% | 318 |
| Return on assets (ROA) | 2.0440% | 332 |
| Pretax return on assets | 2.0440% | 520 |
| Return on Equity (ROE) | 19.7092% | 300 |
| Retained earnings to average equity (ytd only) | 4.5484% | 3,408 |
| Net charge-offs to loans | 0.3525% | 1,140 |
| Credit loss provision to net charge-offs | 43.1034% | 3,237 |
| Earnings coverage of net charge-offs (x) | 8.2760% | 2,827 |
| Efficiency ratio | 59.0793% | 5,304 |
| Assets per employee ($millions) | 2.9456% | 5,790 |
| Cash dividends to net income (ytd only)* | 76.9241% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 4,021 |
| Loan loss allowance to noncurrent loans | 78.9174% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 2,252 |
| Noncurrent loans to loans | 1.5713% | 2,072 |
| Net loans and leases to total assets | 74.8948% | 1,379 |
| Net loans and leases to deposits | 83.9140% | 2,162 |
| Net loans and leases to core deposits | 84.9644% | 2,780 |
| Total domestic deposits to total assets | 89.2518% | 1,100 |
| Equity capital to assets | 10.6328% | 3,393 |
| Core capital (leverage) ratio | 10.5369% | 3,004 |
| Tier 1 risk-based capital ratio | 14.9699% | 3,607 |
| Total risk-based capital ratio | 16.2222% | 3,531 |
| Memoranda: | ||
| Average total assets | $29,680,250 | 6,331 |
| Average earning assets | $27,981,500 | 6,294 |
| Average equity | $3,078,000 | 6,324 |
| Average total loans | $21,937,000 | 5,952 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6294% | 250 |
| Cost of funding earning assets | 0.5222% | 2,614 |
| Net interest margin | 5.1072% | 235 |
| Noninterest income to average assets | 0.4840% | 3,602 |
| Noninterest expense to average assets | 3.1524% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1307% | 261 |
| Return on assets (ROA) | 2.1307% | 274 |
| Pretax return on assets | 2.1307% | 421 |
| Return on Equity (ROE) | 20.7190% | 254 |
| Retained earnings to average equity (ytd only) | 4.3791% | 3,394 |
| Net charge-offs to loans | 0.3302% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.8056% | 2,442 |
| Efficiency ratio | 59.6692% | 5,339 |
| Assets per employee ($millions) | 2.9858% | 5,771 |
| Cash dividends to net income (ytd only)* | 78.8644% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 4,098 |
| Loan loss allowance to noncurrent loans | 74.6594% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 2,439 |
| Noncurrent loans to loans | 1.6856% | 2,059 |
| Net loans and leases to total assets | 72.0042% | 1,744 |
| Net loans and leases to deposits | 80.4062% | 2,460 |
| Net loans and leases to core deposits | 81.3955% | 3,051 |
| Total domestic deposits to total assets | 89.5505% | 1,051 |
| Equity capital to assets | 10.3657% | 3,602 |
| Core capital (leverage) ratio | 10.4311% | 3,042 |
| Tier 1 risk-based capital ratio | 14.9589% | 3,663 |
| Total risk-based capital ratio | 16.2107% | 3,600 |
| Memoranda: | ||
| Average total assets | $29,755,000 | 6,385 |
| Average earning assets | $27,960,330 | 6,354 |
| Average equity | $3,060,000 | 6,380 |
| Average total loans | $21,803,330 | 6,004 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7439% | 204 |
| Cost of funding earning assets | 0.5300% | 2,604 |
| Net interest margin | 5.2139% | 180 |
| Noninterest income to average assets | 0.4444% | 3,831 |
| Noninterest expense to average assets | 3.1781% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1681% | 253 |
| Return on assets (ROA) | 2.1681% | 265 |
| Pretax return on assets | 2.1681% | 374 |
| Return on Equity (ROE) | 21.1668% | 235 |
| Retained earnings to average equity (ytd only) | 4.0756% | 3,672 |
| Net charge-offs to loans | 0.0367% | 2,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 537 |
| Efficiency ratio | 59.4458% | 5,482 |
| Assets per employee ($millions) | 3.0403% | 5,793 |
| Cash dividends to net income (ytd only)* | 80.7453% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 3,577 |
| Loan loss allowance to noncurrent loans | 101.6502% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 3,058 |
| Noncurrent loans to loans | 1.3823% | 2,716 |
| Net loans and leases to total assets | 71.0851% | 1,713 |
| Net loans and leases to deposits | 79.0924% | 2,420 |
| Net loans and leases to core deposits | 80.0444% | 2,957 |
| Total domestic deposits to total assets | 89.8760% | 1,140 |
| Equity capital to assets | 10.0582% | 3,778 |
| Core capital (leverage) ratio | 10.1618% | 3,334 |
| Tier 1 risk-based capital ratio | 14.4341% | 4,037 |
| Total risk-based capital ratio | 15.6849% | 3,999 |
| Memoranda: | ||
| Average total assets | $29,703,500 | 6,453 |
| Average earning assets | $27,925,500 | 6,421 |
| Average equity | $3,042,500 | 6,439 |
| Average total loans | $21,818,500 | 6,059 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2848% | 113 |
| Cost of funding earning assets | 0.5614% | 3,004 |
| Net interest margin | 5.7234% | 99 |
| Noninterest income to average assets | 0.8984% | 1,682 |
| Noninterest expense to average assets | 3.3255% | 2,066 |
| Loan and lease loss provision to assets | 0.1774% | 2,085 |
| Net operating income to assets | 2.7442% | 132 |
| Return on assets (ROA) | 2.7442% | 134 |
| Pretax return on assets | 2.7442% | 157 |
| Return on Equity (ROE) | 24.8360% | 129 |
| Retained earnings to average equity (ytd only) | 7.0716% | 1,411 |
| Net charge-offs to loans | 0.3398% | 1,978 |
| Credit loss provision to net charge-offs | 68.1159% | 3,352 |
| Earnings coverage of net charge-offs (x) | 11.2174% | 2,262 |
| Efficiency ratio | 53.2326% | 6,198 |
| Assets per employee ($millions) | 2.9004% | 5,986 |
| Cash dividends to net income (ytd only)* | 71.5268% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,522 |
| Loan loss allowance to noncurrent loans | 84.4687% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 2,687 |
| Noncurrent loans to loans | 1.6899% | 2,378 |
| Net loans and leases to total assets | 73.8071% | 1,377 |
| Net loans and leases to deposits | 82.4933% | 2,132 |
| Net loans and leases to core deposits | 83.5395% | 2,720 |
| Total domestic deposits to total assets | 89.4704% | 1,348 |
| Equity capital to assets | 10.4365% | 3,239 |
| Core capital (leverage) ratio | 10.8072% | 2,570 |
| Tier 1 risk-based capital ratio | 14.5971% | 3,903 |
| Total risk-based capital ratio | 15.8509% | 3,838 |
| Memoranda: | ||
| Average total assets | $26,492,400 | 6,597 |
| Average earning assets | $24,758,000 | 6,557 |
| Average equity | $2,927,200 | 6,547 |
| Average total loans | $20,304,600 | 6,187 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3905% | 104 |
| Cost of funding earning assets | 0.5749% | 3,047 |
| Net interest margin | 5.8156% | 98 |
| Noninterest income to average assets | 0.8042% | 2,124 |
| Noninterest expense to average assets | 3.3507% | 1,944 |
| Loan and lease loss provision to assets | 0.1547% | 2,331 |
| Net operating income to assets | 2.7218% | 140 |
| Return on assets (ROA) | 2.7218% | 144 |
| Pretax return on assets | 2.7218% | 179 |
| Return on Equity (ROE) | 24.2564% | 135 |
| Retained earnings to average equity (ytd only) | 7.7178% | 1,540 |
| Net charge-offs to loans | 0.2941% | 2,067 |
| Credit loss provision to net charge-offs | 68.1818% | 3,103 |
| Earnings coverage of net charge-offs (x) | 12.6808% | 2,108 |
| Efficiency ratio | 53.8079% | 6,119 |
| Assets per employee ($millions) | 2.8748% | 6,044 |
| Cash dividends to net income (ytd only)* | 68.1823% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 3,357 |
| Loan loss allowance to noncurrent loans | 122.7799% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 3,182 |
| Noncurrent loans to loans | 1.2414% | 3,329 |
| Net loans and leases to total assets | 79.4110% | 612 |
| Net loans and leases to deposits | 90.0351% | 1,161 |
| Net loans and leases to core deposits | 91.3359% | 1,840 |
| Total domestic deposits to total assets | 88.2001% | 1,999 |
| Equity capital to assets | 11.5487% | 2,265 |
| Core capital (leverage) ratio | 11.4755% | 2,061 |
| Tier 1 risk-based capital ratio | 15.3838% | 3,523 |
| Total risk-based capital ratio | 16.6401% | 3,479 |
| Memoranda: | ||
| Average total assets | $25,864,500 | 6,684 |
| Average earning assets | $24,118,500 | 6,647 |
| Average equity | $2,902,250 | 6,623 |
| Average total loans | $19,951,500 | 6,272 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4356% | 103 |
| Cost of funding earning assets | 0.5994% | 2,948 |
| Net interest margin | 5.8362% | 94 |
| Noninterest income to average assets | 0.7811% | 2,271 |
| Noninterest expense to average assets | 3.3254% | 2,001 |
| Loan and lease loss provision to assets | 0.2320% | 1,611 |
| Net operating income to assets | 2.6448% | 148 |
| Return on assets (ROA) | 2.6448% | 157 |
| Pretax return on assets | 2.6448% | 225 |
| Return on Equity (ROE) | 23.8023% | 147 |
| Retained earnings to average equity (ytd only) | 7.0989% | 1,849 |
| Net charge-offs to loans | 0.1934% | 2,596 |
| Credit loss provision to net charge-offs | 157.8947% | 1,467 |
| Earnings coverage of net charge-offs (x) | 19.5789% | 1,501 |
| Efficiency ratio | 53.6160% | 6,174 |
| Assets per employee ($millions) | 2.8640% | 6,076 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 2,458 |
| Loan loss allowance to noncurrent loans | 130.4183% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 3,256 |
| Noncurrent loans to loans | 1.3738% | 3,252 |
| Net loans and leases to total assets | 72.9399% | 1,413 |
| Net loans and leases to deposits | 82.4388% | 2,004 |
| Net loans and leases to core deposits | 83.6306% | 2,610 |
| Total domestic deposits to total assets | 88.4777% | 1,931 |
| Equity capital to assets | 11.3361% | 2,432 |
| Core capital (leverage) ratio | 11.1141% | 2,245 |
| Tier 1 risk-based capital ratio | 16.1152% | 3,131 |
| Total risk-based capital ratio | 17.3726% | 3,071 |
| Memoranda: | ||
| Average total assets | $25,861,670 | 6,734 |
| Average earning assets | $24,022,670 | 6,701 |
| Average equity | $2,873,670 | 6,681 |
| Average total loans | $19,647,330 | 6,324 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6439% | 84 |
| Cost of funding earning assets | 0.6343% | 2,801 |
| Net interest margin | 6.0095% | 75 |
| Noninterest income to average assets | 0.7566% | 2,309 |
| Noninterest expense to average assets | 3.3199% | 2,037 |
| Loan and lease loss provision to assets | 0.2316% | 1,580 |
| Net operating income to assets | 2.7640% | 123 |
| Return on assets (ROA) | 2.7640% | 130 |
| Pretax return on assets | 2.7640% | 195 |
| Return on Equity (ROE) | 25.1272% | 122 |
| Retained earnings to average equity (ytd only) | 8.2822% | 1,649 |
| Net charge-offs to loans | -0.0201% | 5,711 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5672% | 6,343 |
| Assets per employee ($millions) | 2.9257% | 6,112 |
| Cash dividends to net income (ytd only)* | 67.0391% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 2,811 |
| Loan loss allowance to noncurrent loans | 146.2185% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 3,684 |
| Noncurrent loans to loans | 1.1956% | 3,773 |
| Net loans and leases to total assets | 74.2775% | 1,040 |
| Net loans and leases to deposits | 83.5277% | 1,647 |
| Net loans and leases to core deposits | 84.7033% | 2,243 |
| Total domestic deposits to total assets | 88.9256% | 1,722 |
| Equity capital to assets | 10.9339% | 3,037 |
| Core capital (leverage) ratio | 10.9936% | 2,271 |
| Tier 1 risk-based capital ratio | 15.3236% | 3,640 |
| Total risk-based capital ratio | 16.5797% | 3,592 |
| Memoranda: | ||
| Average total assets | $25,904,500 | 6,800 |
| Average earning assets | $23,962,000 | 6,767 |
| Average equity | $2,849,500 | 6,752 |
| Average total loans | $19,899,000 | 6,362 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6484% | 109 |
| Cost of funding earning assets | 0.7900% | 2,748 |
| Net interest margin | 5.8585% | 97 |
| Noninterest income to average assets | 1.0181% | 1,489 |
| Noninterest expense to average assets | 3.5555% | 1,708 |
| Loan and lease loss provision to assets | 0.0994% | 4,400 |
| Net operating income to assets | 2.8198% | 107 |
| Return on assets (ROA) | 2.8198% | 115 |
| Pretax return on assets | 2.8198% | 169 |
| Return on Equity (ROE) | 25.9308% | 105 |
| Retained earnings to average equity (ytd only) | 7.2782% | 1,434 |
| Net charge-offs to loans | 0.1570% | 4,129 |
| Credit loss provision to net charge-offs | 80.6452% | 3,813 |
| Earnings coverage of net charge-offs (x) | 23.6774% | 1,208 |
| Efficiency ratio | 54.9140% | 6,186 |
| Assets per employee ($millions) | 2.8309% | 6,267 |
| Cash dividends to net income (ytd only)* | 71.9323% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 3,044 |
| Loan loss allowance to noncurrent loans | 114.8789% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2874% | 3,502 |
| Noncurrent loans to loans | 1.4528% | 3,420 |
| Net loans and leases to total assets | 76.7721% | 824 |
| Net loans and leases to deposits | 86.4225% | 1,457 |
| Net loans and leases to core deposits | 87.6815% | 2,124 |
| Total domestic deposits to total assets | 88.8335% | 1,684 |
| Equity capital to assets | 11.0684% | 2,870 |
| Core capital (leverage) ratio | 11.1608% | 2,114 |
| Tier 1 risk-based capital ratio | 14.9976% | 3,721 |
| Total risk-based capital ratio | 16.2527% | 3,670 |
| Memoranda: | ||
| Average total assets | $25,144,000 | 6,868 |
| Average earning assets | $23,419,000 | 6,829 |
| Average equity | $2,734,200 | 6,837 |
| Average total loans | $19,743,800 | 6,441 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6186% | 122 |
| Cost of funding earning assets | 0.8195% | 2,782 |
| Net interest margin | 5.7990% | 121 |
| Noninterest income to average assets | 1.0534% | 1,364 |
| Noninterest expense to average assets | 3.5220% | 1,706 |
| Loan and lease loss provision to assets | 0.1330% | 3,883 |
| Net operating income to assets | 2.8198% | 124 |
| Return on assets (ROA) | 2.8198% | 128 |
| Pretax return on assets | 2.8198% | 185 |
| Return on Equity (ROE) | 26.0492% | 122 |
| Retained earnings to average equity (ytd only) | 8.3554% | 1,460 |
| Net charge-offs to loans | 0.1759% | 3,705 |
| Credit loss provision to net charge-offs | 96.1538% | 3,102 |
| Earnings coverage of net charge-offs (x) | 21.3435% | 1,412 |
| Efficiency ratio | 54.3961% | 6,212 |
| Assets per employee ($millions) | 2.7769% | 6,384 |
| Cash dividends to net income (ytd only)* | 67.9247% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,154 |
| Loan loss allowance to noncurrent loans | 109.7720% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 3,836 |
| Noncurrent loans to loans | 1.5484% | 3,464 |
| Net loans and leases to total assets | 77.9850% | 731 |
| Net loans and leases to deposits | 87.9751% | 1,355 |
| Net loans and leases to core deposits | 89.2849% | 2,072 |
| Total domestic deposits to total assets | 88.6444% | 1,628 |
| Equity capital to assets | 11.1676% | 3,074 |
| Core capital (leverage) ratio | 10.9886% | 2,397 |
| Tier 1 risk-based capital ratio | 15.1710% | 3,726 |
| Total risk-based capital ratio | 16.4266% | 3,673 |
| Memoranda: | ||
| Average total assets | $25,060,500 | 6,953 |
| Average earning assets | $23,428,500 | 6,917 |
| Average equity | $2,712,750 | 6,930 |
| Average total loans | $19,706,750 | 6,526 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6491% | 122 |
| Cost of funding earning assets | 0.8461% | 2,825 |
| Net interest margin | 5.8030% | 115 |
| Noninterest income to average assets | 1.1163% | 1,145 |
| Noninterest expense to average assets | 3.5163% | 1,746 |
| Loan and lease loss provision to assets | 0.0957% | 4,345 |
| Net operating income to assets | 2.9183% | 106 |
| Return on assets (ROA) | 2.9183% | 112 |
| Pretax return on assets | 2.9183% | 168 |
| Return on Equity (ROE) | 27.2456% | 113 |
| Retained earnings to average equity (ytd only) | 9.3796% | 1,144 |
| Net charge-offs to loans | 0.0712% | 4,436 |
| Credit loss provision to net charge-offs | 171.4286% | 1,637 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 689 |
| Efficiency ratio | 53.8462% | 6,327 |
| Assets per employee ($millions) | 2.5790% | 6,681 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 3,097 |
| Loan loss allowance to noncurrent loans | 104.5732% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 3,886 |
| Noncurrent loans to loans | 1.6581% | 3,411 |
| Net loans and leases to total assets | 75.3742% | 1,052 |
| Net loans and leases to deposits | 84.4843% | 1,791 |
| Net loans and leases to core deposits | 86.7387% | 2,332 |
| Total domestic deposits to total assets | 89.2168% | 1,378 |
| Equity capital to assets | 10.6514% | 3,511 |
| Core capital (leverage) ratio | 10.7494% | 2,541 |
| Tier 1 risk-based capital ratio | 14.8824% | 3,846 |
| Total risk-based capital ratio | 16.1393% | 3,793 |
| Memoranda: | ||
| Average total assets | $25,083,330 | 7,010 |
| Average earning assets | $23,401,670 | 6,975 |
| Average equity | $2,686,670 | 6,972 |
| Average total loans | $19,666,670 | 6,577 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6856% | 133 |
| Cost of funding earning assets | 0.8443% | 3,109 |
| Net interest margin | 5.8413% | 117 |
| Noninterest income to average assets | 1.1969% | 1,000 |
| Noninterest expense to average assets | 3.5908% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.0894% | 99 |
| Return on assets (ROA) | 3.0894% | 115 |
| Pretax return on assets | 3.0894% | 170 |
| Return on Equity (ROE) | 28.7596% | 113 |
| Retained earnings to average equity (ytd only) | 10.6908% | 1,113 |
| Net charge-offs to loans | 0.1020% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 38.2000% | 772 |
| Efficiency ratio | 53.7530% | 6,374 |
| Assets per employee ($millions) | 2.5539% | 6,798 |
| Cash dividends to net income (ytd only)* | 62.8272% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 3,388 |
| Loan loss allowance to noncurrent loans | 118.0851% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 4,285 |
| Noncurrent loans to loans | 1.4302% | 3,969 |
| Net loans and leases to total assets | 75.8996% | 811 |
| Net loans and leases to deposits | 84.9133% | 1,545 |
| Net loans and leases to core deposits | 88.2053% | 2,027 |
| Total domestic deposits to total assets | 89.3849% | 1,432 |
| Equity capital to assets | 10.5407% | 3,439 |
| Core capital (leverage) ratio | 10.8030% | 2,439 |
| Tier 1 risk-based capital ratio | 14.5789% | 4,041 |
| Total risk-based capital ratio | 15.8354% | 3,994 |
| Memoranda: | ||
| Average total assets | $24,730,000 | 7,080 |
| Average earning assets | $23,214,000 | 7,043 |
| Average equity | $2,656,500 | 7,029 |
| Average total loans | $19,609,000 | 6,629 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8664% | 113 |
| Cost of funding earning assets | 0.8645% | 4,358 |
| Net interest margin | 6.0018% | 89 |
| Noninterest income to average assets | 1.0479% | 1,224 |
| Noninterest expense to average assets | 3.7016% | 1,537 |
| Loan and lease loss provision to assets | 0.1479% | 4,763 |
| Net operating income to assets | 2.8016% | 103 |
| Return on assets (ROA) | 2.8016% | 103 |
| Pretax return on assets | 2.8016% | 149 |
| Return on Equity (ROE) | 25.8863% | 88 |
| Retained earnings to average equity (ytd only) | 6.3642% | 1,824 |
| Net charge-offs to loans | 0.0217% | 6,141 |
| Credit loss provision to net charge-offs | 875.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 174.5000% | 196 |
| Efficiency ratio | 55.6544% | 6,358 |
| Assets per employee ($millions) | 2.3921% | 6,921 |
| Cash dividends to net income (ytd only)* | 75.4148% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 3,078 |
| Loan loss allowance to noncurrent loans | 176.0417% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 5,027 |
| Noncurrent loans to loans | 0.9846% | 4,737 |
| Net loans and leases to total assets | 80.1095% | 484 |
| Net loans and leases to deposits | 90.0517% | 1,154 |
| Net loans and leases to core deposits | 94.9792% | 1,588 |
| Total domestic deposits to total assets | 88.9595% | 1,562 |
| Equity capital to assets | 10.9569% | 3,020 |
| Core capital (leverage) ratio | 10.7931% | 2,439 |
| Tier 1 risk-based capital ratio | 14.6827% | 3,847 |
| Total risk-based capital ratio | 15.9431% | 3,817 |
| Memoranda: | ||
| Average total assets | $23,665,400 | 7,135 |
| Average earning assets | $22,093,200 | 7,105 |
| Average equity | $2,561,200 | 7,108 |
| Average total loans | $18,451,000 | 6,736 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8496% | 124 |
| Cost of funding earning assets | 0.8782% | 4,562 |
| Net interest margin | 5.9715% | 93 |
| Noninterest income to average assets | 1.0677% | 1,181 |
| Noninterest expense to average assets | 3.7002% | 1,499 |
| Loan and lease loss provision to assets | 0.0565% | 5,732 |
| Net operating income to assets | 2.8811% | 100 |
| Return on assets (ROA) | 2.8811% | 104 |
| Pretax return on assets | 2.8811% | 150 |
| Return on Equity (ROE) | 26.7052% | 99 |
| Retained earnings to average equity (ytd only) | 8.9017% | 1,179 |
| Net charge-offs to loans | 0.0367% | 5,633 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 103.9460% | 350 |
| Efficiency ratio | 55.7447% | 6,314 |
| Assets per employee ($millions) | 2.4623% | 6,929 |
| Cash dividends to net income (ytd only)* | 66.6667% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 3,430 |
| Loan loss allowance to noncurrent loans | 178.2857% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 5,377 |
| Noncurrent loans to loans | 0.9279% | 5,026 |
| Net loans and leases to total assets | 75.3279% | 1,089 |
| Net loans and leases to deposits | 84.5127% | 1,918 |
| Net loans and leases to core deposits | 88.9763% | 2,363 |
| Total domestic deposits to total assets | 89.1321% | 1,349 |
| Equity capital to assets | 10.6729% | 3,488 |
| Core capital (leverage) ratio | 11.0737% | 2,331 |
| Tier 1 risk-based capital ratio | 14.9684% | 3,674 |
| Total risk-based capital ratio | 16.2271% | 3,648 |
| Memoranda: | ||
| Average total assets | $23,601,500 | 7,209 |
| Average earning assets | $22,015,250 | 7,180 |
| Average equity | $2,546,250 | 7,179 |
| Average total loans | $18,188,500 | 6,813 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8822% | 123 |
| Cost of funding earning assets | 0.8764% | 4,855 |
| Net interest margin | 6.0058% | 94 |
| Noninterest income to average assets | 1.1435% | 988 |
| Noninterest expense to average assets | 3.7574% | 1,431 |
| Loan and lease loss provision to assets | 0.0860% | 5,234 |
| Net operating income to assets | 2.8976% | 108 |
| Return on assets (ROA) | 2.8976% | 111 |
| Pretax return on assets | 2.8976% | 150 |
| Return on Equity (ROE) | 26.7566% | 104 |
| Retained earnings to average equity (ytd only) | 9.2894% | 1,014 |
| Net charge-offs to loans | -0.0111% | 6,706 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7398% | 6,447 |
| Assets per employee ($millions) | 2.9305% | 6,237 |
| Cash dividends to net income (ytd only)* | 65.2819% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 3,258 |
| Loan loss allowance to noncurrent loans | 99.3750% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 4,180 |
| Noncurrent loans to loans | 1.7314% | 3,844 |
| Net loans and leases to total assets | 77.4782% | 851 |
| Net loans and leases to deposits | 87.1844% | 1,627 |
| Net loans and leases to core deposits | 92.0349% | 2,127 |
| Total domestic deposits to total assets | 88.8671% | 1,622 |
| Equity capital to assets | 10.9836% | 2,976 |
| Core capital (leverage) ratio | 10.8723% | 2,357 |
| Tier 1 risk-based capital ratio | 15.2025% | 3,395 |
| Total risk-based capital ratio | 16.4600% | 3,355 |
| Memoranda: | ||
| Average total assets | $23,261,000 | 7,284 |
| Average earning assets | $21,679,000 | 7,254 |
| Average equity | $2,519,000 | 7,242 |
| Average total loans | $17,964,670 | 6,892 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7859% | 142 |
| Cost of funding earning assets | 0.8690% | 5,143 |
| Net interest margin | 5.9169% | 104 |
| Noninterest income to average assets | 1.1049% | 1,073 |
| Noninterest expense to average assets | 3.6772% | 1,582 |
| Loan and lease loss provision to assets | 0.0863% | 4,928 |
| Net operating income to assets | 2.8658% | 120 |
| Return on assets (ROA) | 2.8658% | 124 |
| Pretax return on assets | 2.8658% | 162 |
| Return on Equity (ROE) | 26.6560% | 125 |
| Retained earnings to average equity (ytd only) | 10.5982% | 973 |
| Net charge-offs to loans | -0.0226% | 6,610 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4688% | 6,565 |
| Assets per employee ($millions) | 2.1545% | 7,277 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 3,099 |
| Loan loss allowance to noncurrent loans | 208.6667% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 5,687 |
| Noncurrent loans to loans | 0.8488% | 5,350 |
| Net loans and leases to total assets | 73.2478% | 1,472 |
| Net loans and leases to deposits | 82.0601% | 2,356 |
| Net loans and leases to core deposits | 86.5397% | 2,798 |
| Total domestic deposits to total assets | 89.2612% | 1,605 |
| Equity capital to assets | 10.6502% | 3,040 |
| Core capital (leverage) ratio | 10.7771% | 2,376 |
| Tier 1 risk-based capital ratio | 15.2342% | 3,299 |
| Total risk-based capital ratio | 16.4896% | 3,253 |
| Memoranda: | ||
| Average total assets | $23,169,500 | 7,337 |
| Average earning assets | $21,633,000 | 7,306 |
| Average equity | $2,491,000 | 7,296 |
| Average total loans | $17,706,000 | 6,957 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8295% | 190 |
| Cost of funding earning assets | 0.9586% | 5,893 |
| Net interest margin | 5.8709% | 109 |
| Noninterest income to average assets | 1.0280% | 1,420 |
| Noninterest expense to average assets | 3.6289% | 1,853 |
| Loan and lease loss provision to assets | 0.1772% | 5,451 |
| Net operating income to assets | 2.6762% | 98 |
| Return on assets (ROA) | 2.6762% | 100 |
| Pretax return on assets | 2.6762% | 158 |
| Return on Equity (ROE) | 25.1436% | 102 |
| Retained earnings to average equity (ytd only) | 5.9945% | 1,818 |
| Net charge-offs to loans | 0.0554% | 6,236 |
| Credit loss provision to net charge-offs | 444.4444% | 516 |
| Earnings coverage of net charge-offs (x) | 71.5556% | 338 |
| Efficiency ratio | 55.9809% | 6,597 |
| Assets per employee ($millions) | 2.2640% | 7,248 |
| Cash dividends to net income (ytd only)* | 76.1589% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 3,100 |
| Loan loss allowance to noncurrent loans | 210.2740% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 5,710 |
| Noncurrent loans to loans | 0.8230% | 5,403 |
| Net loans and leases to total assets | 77.0009% | 1,094 |
| Net loans and leases to deposits | 86.4646% | 2,009 |
| Net loans and leases to core deposits | 90.2329% | 2,734 |
| Total domestic deposits to total assets | 89.0548% | 1,619 |
| Equity capital to assets | 10.8569% | 2,810 |
| Core capital (leverage) ratio | 10.7543% | 2,347 |
| Tier 1 risk-based capital ratio | 15.1785% | 3,158 |
| Total risk-based capital ratio | 16.4382% | 3,102 |
| Memoranda: | ||
| Average total assets | $22,569,000 | 7,407 |
| Average earning assets | $20,968,000 | 7,378 |
| Average equity | $2,402,200 | 7,419 |
| Average total loans | $16,256,800 | 7,105 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7572% | 213 |
| Cost of funding earning assets | 0.9954% | 5,961 |
| Net interest margin | 5.7618% | 121 |
| Noninterest income to average assets | 0.9696% | 1,554 |
| Noninterest expense to average assets | 3.5533% | 1,899 |
| Loan and lease loss provision to assets | 0.0591% | 6,477 |
| Net operating income to assets | 2.6960% | 112 |
| Return on assets (ROA) | 2.6960% | 117 |
| Pretax return on assets | 2.6960% | 172 |
| Return on Equity (ROE) | 25.4571% | 112 |
| Retained earnings to average equity (ytd only) | 8.7089% | 1,157 |
| Net charge-offs to loans | 0.0755% | 5,762 |
| Credit loss provision to net charge-offs | 111.1111% | 3,807 |
| Earnings coverage of net charge-offs (x) | 51.7767% | 554 |
| Efficiency ratio | 56.3261% | 6,509 |
| Assets per employee ($millions) | 2.2756% | 7,326 |
| Cash dividends to net income (ytd only)* | 65.7900% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 3,463 |
| Loan loss allowance to noncurrent loans | 153.0387% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 5,507 |
| Noncurrent loans to loans | 1.0551% | 5,131 |
| Net loans and leases to total assets | 74.1651% | 1,769 |
| Net loans and leases to deposits | 83.3514% | 2,820 |
| Net loans and leases to core deposits | 86.9724% | 3,528 |
| Total domestic deposits to total assets | 88.9787% | 1,397 |
| Equity capital to assets | 10.8543% | 3,111 |
| Core capital (leverage) ratio | 10.8386% | 2,383 |
| Tier 1 risk-based capital ratio | 15.5131% | 2,991 |
| Total risk-based capital ratio | 16.7693% | 2,957 |
| Memoranda: | ||
| Average total assets | $22,551,250 | 7,502 |
| Average earning assets | $20,895,750 | 7,471 |
| Average equity | $2,388,250 | 7,522 |
| Average total loans | $15,886,000 | 7,216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6775% | 255 |
| Cost of funding earning assets | 0.9925% | 6,177 |
| Net interest margin | 5.6850% | 136 |
| Noninterest income to average assets | 0.8896% | 1,727 |
| Noninterest expense to average assets | 3.5227% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.6153% | 121 |
| Return on assets (ROA) | 2.6153% | 126 |
| Pretax return on assets | 2.6153% | 197 |
| Return on Equity (ROE) | 24.9047% | 127 |
| Retained earnings to average equity (ytd only) | 7.9627% | 1,453 |
| Net charge-offs to loans | 0.0905% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 695 |
| Efficiency ratio | 57.3913% | 6,463 |
| Assets per employee ($millions) | 2.2803% | 7,370 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 3,059 |
| Loan loss allowance to noncurrent loans | 143.8503% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 5,482 |
| Noncurrent loans to loans | 1.1846% | 4,981 |
| Net loans and leases to total assets | 68.0481% | 3,350 |
| Net loans and leases to deposits | 76.1945% | 4,299 |
| Net loans and leases to core deposits | 79.4765% | 4,744 |
| Total domestic deposits to total assets | 89.3084% | 1,277 |
| Equity capital to assets | 10.5600% | 3,335 |
| Core capital (leverage) ratio | 10.3561% | 2,764 |
| Tier 1 risk-based capital ratio | 16.0096% | 2,666 |
| Total risk-based capital ratio | 17.2661% | 2,622 |
| Memoranda: | ||
| Average total assets | $22,483,000 | 7,568 |
| Average earning assets | $20,756,330 | 7,538 |
| Average equity | $2,361,000 | 7,587 |
| Average total loans | $15,463,330 | 7,290 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6297% | 295 |
| Cost of funding earning assets | 1.0499% | 6,137 |
| Net interest margin | 5.5799% | 161 |
| Noninterest income to average assets | 0.8959% | 1,644 |
| Noninterest expense to average assets | 3.4046% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.6341% | 123 |
| Return on assets (ROA) | 2.6341% | 129 |
| Pretax return on assets | 2.6341% | 201 |
| Return on Equity (ROE) | 25.1551% | 157 |
| Retained earnings to average equity (ytd only) | 8.0428% | 1,692 |
| Net charge-offs to loans | 0.1307% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 882 |
| Efficiency ratio | 56.3798% | 6,717 |
| Assets per employee ($millions) | 2.2833% | 7,477 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 2,814 |
| Loan loss allowance to noncurrent loans | 167.2840% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 5,747 |
| Noncurrent loans to loans | 1.0605% | 5,219 |
| Net loans and leases to total assets | 65.7163% | 3,928 |
| Net loans and leases to deposits | 73.3813% | 4,844 |
| Net loans and leases to core deposits | 77.5172% | 5,082 |
| Total domestic deposits to total assets | 89.5546% | 1,206 |
| Equity capital to assets | 10.3403% | 3,421 |
| Core capital (leverage) ratio | 10.5364% | 2,586 |
| Tier 1 risk-based capital ratio | 15.9065% | 2,686 |
| Total risk-based capital ratio | 17.1663% | 2,628 |
| Memoranda: | ||
| Average total assets | $22,323,000 | 7,668 |
| Average earning assets | $20,574,000 | 7,634 |
| Average equity | $2,337,500 | 7,679 |
| Average total loans | $15,302,000 | 7,388 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1813% | 212 |
| Cost of funding earning assets | 1.3177% | 6,248 |
| Net interest margin | 5.8636% | 127 |
| Noninterest income to average assets | 1.0246% | 1,488 |
| Noninterest expense to average assets | 3.7537% | 1,790 |
| Loan and lease loss provision to assets | 0.1909% | 5,814 |
| Net operating income to assets | 2.4683% | 93 |
| Return on assets (ROA) | 2.4683% | 102 |
| Pretax return on assets | 2.4683% | 166 |
| Return on Equity (ROE) | 23.3090% | 128 |
| Retained earnings to average equity (ytd only) | 4.3979% | 2,171 |
| Net charge-offs to loans | 0.3007% | 4,751 |
| Credit loss provision to net charge-offs | 91.1111% | 5,966 |
| Earnings coverage of net charge-offs (x) | 12.6889% | 1,488 |
| Efficiency ratio | 58.5330% | 6,691 |
| Assets per employee ($millions) | 2.1813% | 7,587 |
| Cash dividends to net income (ytd only)* | 81.1321% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 2,544 |
| Loan loss allowance to noncurrent loans | 220.8000% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 6,033 |
| Noncurrent loans to loans | 0.8155% | 5,656 |
| Net loans and leases to total assets | 69.0047% | 3,489 |
| Net loans and leases to deposits | 77.2690% | 4,512 |
| Net loans and leases to core deposits | 102.7300% | 3,718 |
| Total domestic deposits to total assets | 89.3045% | 1,327 |
| Equity capital to assets | 10.6084% | 3,059 |
| Core capital (leverage) ratio | 10.5672% | 2,538 |
| Tier 1 risk-based capital ratio | 15.4762% | 2,726 |
| Total risk-based capital ratio | 16.7335% | 2,676 |
| Memoranda: | ||
| Average total assets | $21,472,000 | 7,732 |
| Average earning assets | $19,731,800 | 7,718 |
| Average equity | $2,273,800 | 7,781 |
| Average total loans | $14,967,400 | 7,460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1777% | 236 |
| Cost of funding earning assets | 1.3842% | 6,292 |
| Net interest margin | 5.7935% | 136 |
| Noninterest income to average assets | 1.0847% | 1,352 |
| Noninterest expense to average assets | 3.7655% | 1,673 |
| Loan and lease loss provision to assets | 0.1247% | 6,105 |
| Net operating income to assets | 2.5436% | 97 |
| Return on assets (ROA) | 2.5436% | 107 |
| Pretax return on assets | 2.5436% | 179 |
| Return on Equity (ROE) | 24.0305% | 129 |
| Retained earnings to average equity (ytd only) | 6.3611% | 1,785 |
| Net charge-offs to loans | 0.1075% | 5,592 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 35.6656% | 815 |
| Efficiency ratio | 58.5271% | 6,644 |
| Assets per employee ($millions) | 2.1945% | 7,618 |
| Cash dividends to net income (ytd only)* | 73.5289% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 2,053 |
| Loan loss allowance to noncurrent loans | 155.6757% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 5,406 |
| Noncurrent loans to loans | 1.2165% | 4,914 |
| Net loans and leases to total assets | 67.9836% | 3,964 |
| Net loans and leases to deposits | 76.1990% | 5,005 |
| Net loans and leases to core deposits | 99.8193% | 4,396 |
| Total domestic deposits to total assets | 89.2185% | 1,101 |
| Equity capital to assets | 10.5810% | 3,425 |
| Core capital (leverage) ratio | 10.6402% | 2,676 |
| Tier 1 risk-based capital ratio | 16.0426% | 2,612 |
| Total risk-based capital ratio | 17.3000% | 2,543 |
| Memoranda: | ||
| Average total assets | $21,386,750 | 7,810 |
| Average earning assets | $19,745,750 | 7,791 |
| Average equity | $2,263,750 | 7,864 |
| Average total loans | $14,877,250 | 7,530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2034% | 236 |
| Cost of funding earning assets | 1.4797% | 6,221 |
| Net interest margin | 5.7237% | 135 |
| Noninterest income to average assets | 1.1037% | 1,302 |
| Noninterest expense to average assets | 3.7169% | 1,801 |
| Loan and lease loss provision to assets | 0.0943% | 6,223 |
| Net operating income to assets | 2.5471% | 103 |
| Return on assets (ROA) | 2.5471% | 114 |
| Pretax return on assets | 2.5471% | 194 |
| Return on Equity (ROE) | 24.0606% | 155 |
| Retained earnings to average equity (ytd only) | 6.2379% | 1,912 |
| Net charge-offs to loans | 0.0135% | 6,362 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 139 |
| Efficiency ratio | 58.4570% | 6,778 |
| Assets per employee ($millions) | 2.1727% | 7,707 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 1,736 |
| Loan loss allowance to noncurrent loans | 138.2775% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 5,059 |
| Noncurrent loans to loans | 1.3899% | 4,431 |
| Net loans and leases to total assets | 67.8787% | 4,171 |
| Net loans and leases to deposits | 75.9932% | 5,179 |
| Net loans and leases to core deposits | 101.1523% | 4,384 |
| Total domestic deposits to total assets | 89.3220% | 1,112 |
| Equity capital to assets | 10.5123% | 3,390 |
| Core capital (leverage) ratio | 10.8783% | 2,508 |
| Tier 1 risk-based capital ratio | 15.9497% | 2,642 |
| Total risk-based capital ratio | 17.2067% | 2,580 |
| Memoranda: | ||
| Average total assets | $21,200,670 | 7,899 |
| Average earning assets | $19,463,000 | 7,874 |
| Average equity | $2,244,330 | 7,946 |
| Average total loans | $14,767,330 | 7,603 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2964% | 224 |
| Cost of funding earning assets | 1.6354% | 5,884 |
| Net interest margin | 5.6610% | 146 |
| Noninterest income to average assets | 1.1654% | 1,078 |
| Noninterest expense to average assets | 4.0119% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3116% | 187 |
| Return on assets (ROA) | 2.3116% | 220 |
| Pretax return on assets | 2.3116% | 355 |
| Return on Equity (ROE) | 21.7577% | 318 |
| Retained earnings to average equity (ytd only) | 3.7761% | 3,792 |
| Net charge-offs to loans | -0.0273% | 7,530 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4441% | 5,788 |
| Assets per employee ($millions) | 2.0883% | 7,813 |
| Cash dividends to net income (ytd only)* | 82.6446% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 1,611 |
| Loan loss allowance to noncurrent loans | 432.3077% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 6,586 |
| Noncurrent loans to loans | 0.4405% | 6,322 |
| Net loans and leases to total assets | 69.3195% | 3,842 |
| Net loans and leases to deposits | 77.7652% | 4,962 |
| Net loans and leases to core deposits | 97.2131% | 4,829 |
| Total domestic deposits to total assets | 89.1395% | 1,176 |
| Equity capital to assets | 10.7025% | 3,286 |
| Core capital (leverage) ratio | 10.5859% | 2,832 |
| Tier 1 risk-based capital ratio | 15.8533% | 2,739 |
| Total risk-based capital ratio | 17.1159% | 2,678 |
| Memoranda: | ||
| Average total assets | $20,937,500 | 7,953 |
| Average earning assets | $19,078,000 | 7,931 |
| Average equity | $2,224,500 | 8,004 |
| Average total loans | $14,632,500 | 7,657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6529% | 304 |
| Cost of funding earning assets | 2.2146% | 5,535 |
| Net interest margin | 5.4383% | 223 |
| Noninterest income to average assets | 1.2306% | 983 |
| Noninterest expense to average assets | 3.5550% | 2,252 |
| Loan and lease loss provision to assets | 0.2593% | 4,329 |
| Net operating income to assets | 2.3716% | 167 |
| Return on assets (ROA) | 2.3716% | 163 |
| Pretax return on assets | 2.3716% | 260 |
| Return on Equity (ROE) | 23.3108% | 200 |
| Retained earnings to average equity (ytd only) | 4.7734% | 2,165 |
| Net charge-offs to loans | 0.2974% | 3,408 |
| Credit loss provision to net charge-offs | 127.9070% | 4,168 |
| Earnings coverage of net charge-offs (x) | 12.9767% | 2,185 |
| Efficiency ratio | 57.4695% | 6,788 |
| Assets per employee ($millions) | 2.0992% | 7,824 |
| Cash dividends to net income (ytd only)* | 79.5229% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 1,362 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 7,180 |
| Noncurrent loans to loans | 0.1447% | 6,975 |
| Net loans and leases to total assets | 67.7782% | 4,495 |
| Net loans and leases to deposits | 75.8665% | 5,604 |
| Net loans and leases to core deposits | 93.9328% | 5,450 |
| Total domestic deposits to total assets | 89.3388% | 903 |
| Equity capital to assets | 10.5469% | 3,444 |
| Core capital (leverage) ratio | 10.3357% | 3,133 |
| Tier 1 risk-based capital ratio | 16.1464% | 2,608 |
| Total risk-based capital ratio | 17.4081% | 2,539 |
| Memoranda: | ||
| Average total assets | $21,209,600 | 7,979 |
| Average earning assets | $19,326,000 | 7,961 |
| Average equity | $2,157,800 | 8,086 |
| Average total loans | $14,460,600 | 7,680 |