Home > First Bank of Bancroft > Performance and Condition Ratios
First Bank of Bancroft, Performance and Condition Ratios
| 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 | 3.4156% | 4,428 |
| Cost of funding earning assets | 1.1604% | 2,910 |
| Net interest margin | 2.2553% | 4,283 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.0252% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2908% | 4,044 |
| Return on assets (ROA) | 0.1904% | 4,194 |
| Pretax return on assets | 0.1627% | 4,228 |
| Return on Equity (ROE) | 1.7800% | 4,175 |
| Retained earnings to average equity (ytd only) | 0.1622% | 4,010 |
| Net charge-offs to loans | -0.0424% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.6364% | 463 |
| Assets per employee ($millions) | 7.6303% | 1,638 |
| Cash dividends to net income (ytd only)* | 90.9091% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 1,438 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 45.4900% | 3,836 |
| Net loans and leases to deposits | 53.9349% | 3,801 |
| Net loans and leases to core deposits | 63.1538% | 3,633 |
| Total domestic deposits to total assets | 84.3500% | 2,521 |
| Equity capital to assets | 10.7401% | 1,609 |
| Core capital (leverage) ratio | 13.3302% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $28,886,600 | 4,472 |
| Average earning assets | $27,491,400 | 4,434 |
| Average equity | $3,083,000 | 4,421 |
| Average total loans | $11,792,000 | 4,396 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3065% | 4,452 |
| Cost of funding earning assets | 0.8955% | 3,284 |
| Net interest margin | 2.4110% | 4,216 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.9898% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4212% | 3,927 |
| Return on assets (ROA) | 0.2950% | 4,125 |
| Pretax return on assets | 0.3184% | 4,151 |
| Return on Equity (ROE) | 2.7700% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.7683% | 3,563 |
| Net charge-offs to loans | -0.0475% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.5739% | 754 |
| Assets per employee ($millions) | 7.3228% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 844 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 40.0500% | 4,056 |
| Net loans and leases to deposits | 45.6640% | 4,058 |
| Net loans and leases to core deposits | 51.1488% | 4,007 |
| Total domestic deposits to total assets | 87.7100% | 1,663 |
| Equity capital to assets | 10.3342% | 1,624 |
| Core capital (leverage) ratio | 14.0880% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $28,478,000 | 4,499 |
| Average earning assets | $27,097,250 | 4,459 |
| Average equity | $3,034,250 | 4,442 |
| Average total loans | $11,220,000 | 4,426 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 4,475 |
| Cost of funding earning assets | 0.7249% | 3,416 |
| Net interest margin | 2.5371% | 4,173 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.0066% | 3,579 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.5183% | 3,770 |
| Return on assets (ROA) | 0.3333% | 4,134 |
| Pretax return on assets | 0.3687% | 4,160 |
| Return on Equity (ROE) | 3.1000% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.0955% | 3,451 |
| Net charge-offs to loans | -0.0546% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.9614% | 1,004 |
| Assets per employee ($millions) | 6.7508% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 558 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.2100% | 4,104 |
| Net loans and leases to deposits | 43.1499% | 4,132 |
| Net loans and leases to core deposits | 43.6113% | 4,187 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 11.2802% | 1,283 |
| Core capital (leverage) ratio | 14.2607% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $28,207,000 | 4,525 |
| Average earning assets | $27,038,333 | 4,487 |
| Average equity | $3,036,667 | 4,473 |
| Average total loans | $10,984,667 | 4,456 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2107% | 4,484 |
| Cost of funding earning assets | 0.6683% | 3,163 |
| Net interest margin | 2.5424% | 4,264 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.8883% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6602% | 3,553 |
| Return on assets (ROA) | 0.2777% | 4,244 |
| Pretax return on assets | 0.2916% | 4,269 |
| Return on Equity (ROE) | 2.6400% | 4,226 |
| Retained earnings to average equity (ytd only) | 2.6385% | 3,574 |
| Net charge-offs to loans | -0.0356% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.1183% | 1,422 |
| Assets per employee ($millions) | 6.9695% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 665 |
| Loan loss allowance to noncurrent loans | 3,183.3333% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,592 |
| Noncurrent loans to loans | 0.0566% | 3,336 |
| Net loans and leases to total assets | 37.3700% | 4,144 |
| Net loans and leases to deposits | 42.1566% | 4,159 |
| Net loans and leases to core deposits | 42.5874% | 4,212 |
| Total domestic deposits to total assets | 88.6500% | 1,683 |
| Equity capital to assets | 11.2347% | 1,253 |
| Core capital (leverage) ratio | 13.6888% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $28,809,000 | 4,581 |
| Average earning assets | $27,533,000 | 4,551 |
| Average equity | $3,032,000 | 4,532 |
| Average total loans | $11,221,500 | 4,516 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8742% | 4,091 |
| Cost of funding earning assets | 0.0944% | 4,323 |
| Net interest margin | 2.7798% | 3,778 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8877% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8103% | 3,216 |
| Return on assets (ROA) | 0.8103% | 3,182 |
| Pretax return on assets | 0.9461% | 3,194 |
| Return on Equity (ROE) | 7.1600% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.1589% | 2,317 |
| Net charge-offs to loans | -0.0962% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.6134% | 2,201 |
| Assets per employee ($millions) | 7.1168% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 485 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.7900% | 4,346 |
| Net loans and leases to deposits | 36.5176% | 4,347 |
| Net loans and leases to core deposits | 36.8783% | 4,373 |
| Total domestic deposits to total assets | 89.8000% | 1,744 |
| Equity capital to assets | 10.1697% | 1,534 |
| Core capital (leverage) ratio | 13.5737% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $29,452,750 | 4,648 |
| Average earning assets | $28,251,000 | 4,614 |
| Average equity | $3,333,750 | 4,630 |
| Average total loans | $9,700,750 | 4,599 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9537% | 3,667 |
| Cost of funding earning assets | 0.0768% | 4,407 |
| Net interest margin | 2.8769% | 3,230 |
| Noninterest income to average assets | 0.1612% | 4,204 |
| Noninterest expense to average assets | 1.8401% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9738% | 2,247 |
| Return on assets (ROA) | 0.9738% | 2,221 |
| Pretax return on assets | 1.0879% | 2,450 |
| Return on Equity (ROE) | 8.3333% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.3333% | 1,498 |
| Net charge-offs to loans | -0.1025% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8440% | 2,935 |
| Assets per employee ($millions) | 7.5345% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.3935% | 4,450 |
| Net loans and leases to deposits | 34.0141% | 4,448 |
| Net loans and leases to core deposits | 34.3328% | 4,471 |
| Total domestic deposits to total assets | 89.3556% | 2,022 |
| Equity capital to assets | 10.6211% | 1,383 |
| Core capital (leverage) ratio | 13.3908% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,781,333 | 4,681 |
| Average earning assets | $28,642,333 | 4,659 |
| Average equity | $3,480,000 | 4,658 |
| Average total loans | $9,758,333 | 4,662 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3316% | 2,289 |
| Cost of funding earning assets | 0.0980% | 4,153 |
| Net interest margin | 3.2336% | 1,771 |
| Noninterest income to average assets | 0.1621% | 4,187 |
| Noninterest expense to average assets | 1.9052% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2972% | 1,009 |
| Return on assets (ROA) | 1.2972% | 1,001 |
| Pretax return on assets | 1.3782% | 1,301 |
| Return on Equity (ROE) | 10.6092% | 1,756 |
| Retained earnings to average equity (ytd only) | 10.6092% | 869 |
| Net charge-offs to loans | -0.1205% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0247% | 3,679 |
| Assets per employee ($millions) | 7.3265% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 33.0171% | 4,341 |
| Net loans and leases to deposits | 37.3346% | 4,341 |
| Net loans and leases to core deposits | 37.3346% | 4,392 |
| Total domestic deposits to total assets | 88.4358% | 2,323 |
| Equity capital to assets | 11.5403% | 1,112 |
| Core capital (leverage) ratio | 13.6425% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,603,000 | 4,709 |
| Average earning assets | $28,575,000 | 4,687 |
| Average equity | $3,619,500 | 4,679 |
| Average total loans | $9,962,000 | 4,683 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9703% | 3,922 |
| Cost of funding earning assets | 0.1081% | 4,324 |
| Net interest margin | 2.8622% | 3,530 |
| Noninterest income to average assets | 0.1329% | 4,480 |
| Noninterest expense to average assets | 2.2523% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5712% | 3,937 |
| Return on assets (ROA) | 0.5712% | 3,980 |
| Pretax return on assets | 0.6394% | 4,052 |
| Return on Equity (ROE) | 4.0341% | 4,212 |
| Retained earnings to average equity (ytd only) | 1.4969% | 4,118 |
| Net charge-offs to loans | -0.0860% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8882% | 956 |
| Assets per employee ($millions) | 7.4750% | 1,636 |
| Cash dividends to net income (ytd only)* | 62.8931% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 796 |
| Loan loss allowance to noncurrent loans | 59.6154% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 512 |
| Noncurrent loans to loans | 3.1017% | 185 |
| Net loans and leases to total assets | 33.0201% | 4,409 |
| Net loans and leases to deposits | 45.1730% | 4,135 |
| Net loans and leases to core deposits | 45.7380% | 4,197 |
| Total domestic deposits to total assets | 73.0970% | 4,615 |
| Equity capital to assets | 12.8997% | 930 |
| Core capital (leverage) ratio | 13.8012% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,837,600 | 4,755 |
| Average earning assets | $26,832,600 | 4,733 |
| Average equity | $3,941,400 | 4,709 |
| Average total loans | $9,307,000 | 4,740 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1963% | 3,609 |
| Cost of funding earning assets | 0.1169% | 4,369 |
| Net interest margin | 3.0795% | 3,101 |
| Noninterest income to average assets | 0.1366% | 4,515 |
| Noninterest expense to average assets | 2.0984% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8345% | 3,434 |
| Return on assets (ROA) | 0.8345% | 3,493 |
| Pretax return on assets | 0.9955% | 3,474 |
| Return on Equity (ROE) | 5.7538% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.7538% | 2,932 |
| Net charge-offs to loans | -0.0877% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8233% | 1,860 |
| Assets per employee ($millions) | 7.0340% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5017% | 288 |
| Loan loss allowance to noncurrent loans | 52.5714% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 465 |
| Noncurrent loans to loans | 4.7587% | 85 |
| Net loans and leases to total assets | 25.4869% | 4,719 |
| Net loans and leases to deposits | 29.8891% | 4,702 |
| Net loans and leases to core deposits | 30.2280% | 4,723 |
| Total domestic deposits to total assets | 85.2715% | 3,024 |
| Equity capital to assets | 14.4797% | 638 |
| Core capital (leverage) ratio | 14.5380% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,322,000 | 4,831 |
| Average earning assets | $26,237,750 | 4,805 |
| Average equity | $3,962,500 | 4,773 |
| Average total loans | $9,119,000 | 4,810 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 3,906 |
| Cost of funding earning assets | 0.1230% | 4,416 |
| Net interest margin | 2.9590% | 3,425 |
| Noninterest income to average assets | 0.1257% | 4,578 |
| Noninterest expense to average assets | 2.0110% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7985% | 3,520 |
| Return on assets (ROA) | 0.7985% | 3,590 |
| Pretax return on assets | 0.9612% | 3,523 |
| Return on Equity (ROE) | 5.5027% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.5027% | 2,996 |
| Net charge-offs to loans | -0.0824% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6617% | 1,919 |
| Assets per employee ($millions) | 7.0233% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 528 |
| Loan loss allowance to noncurrent loans | 52.1490% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 533 |
| Noncurrent loans to loans | 3.9772% | 140 |
| Net loans and leases to total assets | 30.5877% | 4,632 |
| Net loans and leases to deposits | 35.7164% | 4,639 |
| Net loans and leases to core deposits | 36.1202% | 4,668 |
| Total domestic deposits to total assets | 85.6406% | 2,859 |
| Equity capital to assets | 14.1459% | 688 |
| Core capital (leverage) ratio | 14.3041% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,050,667 | 4,866 |
| Average earning assets | $26,022,000 | 4,841 |
| Average equity | $3,925,333 | 4,807 |
| Average total loans | $9,707,000 | 4,842 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9585% | 4,173 |
| Cost of funding earning assets | 0.1416% | 4,370 |
| Net interest margin | 2.8169% | 3,718 |
| Noninterest income to average assets | 0.1206% | 4,588 |
| Noninterest expense to average assets | 2.0656% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3920% | 4,371 |
| Return on assets (ROA) | 0.3920% | 4,397 |
| Pretax return on assets | 0.7539% | 3,905 |
| Return on Equity (ROE) | 2.6660% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.6660% | 3,879 |
| Net charge-offs to loans | -0.0786% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2620% | 1,373 |
| Assets per employee ($millions) | 6.7613% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 801 |
| Loan loss allowance to noncurrent loans | 51.2821% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2978% | 547 |
| Noncurrent loans to loans | 3.5985% | 174 |
| Net loans and leases to total assets | 35.4003% | 4,532 |
| Net loans and leases to deposits | 41.3993% | 4,518 |
| Net loans and leases to core deposits | 41.8865% | 4,570 |
| Total domestic deposits to total assets | 85.5093% | 2,923 |
| Equity capital to assets | 14.2651% | 617 |
| Core capital (leverage) ratio | 14.9110% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,529,500 | 4,896 |
| Average earning assets | $25,418,000 | 4,871 |
| Average equity | $3,901,000 | 4,831 |
| Average total loans | $10,173,000 | 4,858 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 4,162 |
| Cost of funding earning assets | 0.3393% | 3,929 |
| Net interest margin | 3.0883% | 3,660 |
| Noninterest income to average assets | 0.1634% | 4,476 |
| Noninterest expense to average assets | 2.4272% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6170% | 3,687 |
| Return on assets (ROA) | 0.6170% | 3,817 |
| Pretax return on assets | 0.6742% | 3,937 |
| Return on Equity (ROE) | 3.8440% | 4,195 |
| Retained earnings to average equity (ytd only) | 1.2983% | 4,107 |
| Net charge-offs to loans | -0.0768% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 1,016 |
| Assets per employee ($millions) | 8.6713% | 839 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 1,082 |
| Loan loss allowance to noncurrent loans | 39.5556% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 371 |
| Noncurrent loans to loans | 4.2485% | 124 |
| Net loans and leases to total assets | 40.0323% | 4,438 |
| Net loans and leases to deposits | 48.8691% | 4,364 |
| Net loans and leases to core deposits | 49.4915% | 4,439 |
| Total domestic deposits to total assets | 81.9174% | 3,681 |
| Equity capital to assets | 15.1611% | 548 |
| Core capital (leverage) ratio | 15.1430% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,472,400 | 4,921 |
| Average earning assets | $23,281,400 | 4,896 |
| Average equity | $3,928,200 | 4,847 |
| Average total loans | $10,414,600 | 4,887 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 4,103 |
| Cost of funding earning assets | 0.3912% | 3,851 |
| Net interest margin | 3.1709% | 3,563 |
| Noninterest income to average assets | 0.1771% | 4,404 |
| Noninterest expense to average assets | 2.2031% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7141% | 3,418 |
| Return on assets (ROA) | 0.7141% | 3,519 |
| Pretax return on assets | 0.9798% | 3,133 |
| Return on Equity (ROE) | 4.3829% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.3829% | 2,854 |
| Net charge-offs to loans | -0.0771% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2174% | 2,002 |
| Assets per employee ($millions) | 6.3180% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 698 |
| Loan loss allowance to noncurrent loans | 34.2412% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0339% | 318 |
| Noncurrent loans to loans | 5.2946% | 92 |
| Net loans and leases to total assets | 37.7176% | 4,618 |
| Net loans and leases to deposits | 45.1604% | 4,629 |
| Net loans and leases to core deposits | 45.7412% | 4,668 |
| Total domestic deposits to total assets | 83.5193% | 2,985 |
| Equity capital to assets | 15.9742% | 468 |
| Core capital (leverage) ratio | 16.0879% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,087,000 | 4,953 |
| Average earning assets | $22,832,250 | 4,933 |
| Average equity | $3,924,250 | 4,872 |
| Average total loans | $10,370,250 | 4,919 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 3,796 |
| Cost of funding earning assets | 0.4636% | 3,725 |
| Net interest margin | 3.3614% | 3,220 |
| Noninterest income to average assets | 0.1857% | 4,350 |
| Noninterest expense to average assets | 2.2793% | 3,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7766% | 3,127 |
| Return on assets (ROA) | 0.7766% | 3,241 |
| Pretax return on assets | 1.0890% | 2,744 |
| Return on Equity (ROE) | 4.7341% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.7341% | 2,592 |
| Net charge-offs to loans | -0.0755% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6692% | 2,284 |
| Assets per employee ($millions) | 6.1158% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 926 |
| Loan loss allowance to noncurrent loans | 29.3423% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.4241% | 238 |
| Noncurrent loans to loans | 5.5796% | 87 |
| Net loans and leases to total assets | 42.7339% | 4,508 |
| Net loans and leases to deposits | 51.4064% | 4,465 |
| Net loans and leases to core deposits | 52.0903% | 4,564 |
| Total domestic deposits to total assets | 83.1296% | 3,051 |
| Equity capital to assets | 16.3471% | 429 |
| Core capital (leverage) ratio | 16.5476% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,692,000 | 4,986 |
| Average earning assets | $22,431,333 | 4,964 |
| Average equity | $3,886,667 | 4,907 |
| Average total loans | $10,591,000 | 4,951 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 3,489 |
| Cost of funding earning assets | 0.5617% | 3,635 |
| Net interest margin | 3.5517% | 2,816 |
| Noninterest income to average assets | 0.2060% | 4,317 |
| Noninterest expense to average assets | 2.2826% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9611% | 2,313 |
| Return on assets (ROA) | 0.9611% | 2,417 |
| Pretax return on assets | 1.2872% | 1,903 |
| Return on Equity (ROE) | 5.8478% | 3,370 |
| Retained earnings to average equity (ytd only) | 5.8478% | 1,935 |
| Net charge-offs to loans | -0.0757% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9423% | 3,243 |
| Assets per employee ($millions) | 5.7968% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 1,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 45.4134% | 4,449 |
| Net loans and leases to deposits | 54.5652% | 4,418 |
| Net loans and leases to core deposits | 55.3250% | 4,519 |
| Total domestic deposits to total assets | 83.2277% | 3,035 |
| Equity capital to assets | 16.4359% | 517 |
| Core capital (leverage) ratio | 16.5866% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,306,500 | 5,032 |
| Average earning assets | $22,074,000 | 5,014 |
| Average equity | $3,830,500 | 4,954 |
| Average total loans | $10,572,500 | 4,989 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 2,999 |
| Cost of funding earning assets | 0.7067% | 3,130 |
| Net interest margin | 3.7768% | 2,581 |
| Noninterest income to average assets | 0.2347% | 4,275 |
| Noninterest expense to average assets | 2.5553% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0142% | 2,798 |
| Return on assets (ROA) | 1.0142% | 2,884 |
| Pretax return on assets | 1.2533% | 2,655 |
| Return on Equity (ROE) | 6.0121% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.3867% | 3,319 |
| Net charge-offs to loans | -0.0800% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0930% | 2,606 |
| Assets per employee ($millions) | 5.8565% | 1,750 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 918 |
| Loan loss allowance to noncurrent loans | 56.6667% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2806% | 872 |
| Noncurrent loans to loans | 2.8727% | 337 |
| Net loans and leases to total assets | 43.8530% | 4,606 |
| Net loans and leases to deposits | 54.6785% | 4,511 |
| Net loans and leases to core deposits | 55.4578% | 4,607 |
| Total domestic deposits to total assets | 80.2015% | 3,934 |
| Equity capital to assets | 16.4347% | 536 |
| Core capital (leverage) ratio | 16.6098% | 457 |
| Tier 1 risk-based capital ratio | 30.6521% | 450 |
| Total risk-based capital ratio | 31.8957% | 446 |
| Memoranda: | ||
| Average total assets | $22,580,400 | 5,092 |
| Average earning assets | $21,367,400 | 5,076 |
| Average equity | $3,809,000 | 5,008 |
| Average total loans | $11,253,600 | 5,038 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 2,904 |
| Cost of funding earning assets | 0.7107% | 3,160 |
| Net interest margin | 3.8367% | 2,482 |
| Noninterest income to average assets | 0.2265% | 4,380 |
| Noninterest expense to average assets | 2.2948% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1921% | 2,223 |
| Return on assets (ROA) | 1.1921% | 2,303 |
| Pretax return on assets | 1.5676% | 1,750 |
| Return on Equity (ROE) | 7.0197% | 3,671 |
| Retained earnings to average equity (ytd only) | 7.0197% | 1,854 |
| Net charge-offs to loans | -0.0698% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4136% | 3,746 |
| Assets per employee ($millions) | 5.7420% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,192 |
| Loan loss allowance to noncurrent loans | 618.5185% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,131 |
| Noncurrent loans to loans | 0.2461% | 3,662 |
| Net loans and leases to total assets | 47.0437% | 4,546 |
| Net loans and leases to deposits | 57.0757% | 4,511 |
| Net loans and leases to core deposits | 57.8798% | 4,614 |
| Total domestic deposits to total assets | 82.4234% | 3,348 |
| Equity capital to assets | 17.0542% | 477 |
| Core capital (leverage) ratio | 17.4671% | 393 |
| Tier 1 risk-based capital ratio | 29.9350% | 485 |
| Total risk-based capital ratio | 31.1807% | 478 |
| Memoranda: | ||
| Average total assets | $22,369,000 | 5,173 |
| Average earning assets | $21,198,250 | 5,155 |
| Average equity | $3,798,750 | 5,083 |
| Average total loans | $11,456,250 | 5,114 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,952 |
| Cost of funding earning assets | 0.6822% | 3,265 |
| Net interest margin | 3.8376% | 2,446 |
| Noninterest income to average assets | 0.2165% | 4,448 |
| Noninterest expense to average assets | 2.2915% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1999% | 2,150 |
| Return on assets (ROA) | 1.1999% | 2,213 |
| Pretax return on assets | 1.5788% | 1,611 |
| Return on Equity (ROE) | 7.0757% | 3,651 |
| Retained earnings to average equity (ytd only) | 7.0757% | 1,771 |
| Net charge-offs to loans | -0.0861% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2075% | 3,837 |
| Assets per employee ($millions) | 5.6805% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.6592% | 4,373 |
| Net loans and leases to deposits | 62.5726% | 4,303 |
| Net loans and leases to core deposits | 63.4555% | 4,433 |
| Total domestic deposits to total assets | 82.5588% | 3,352 |
| Equity capital to assets | 16.9527% | 476 |
| Core capital (leverage) ratio | 17.6487% | 366 |
| Tier 1 risk-based capital ratio | 27.5795% | 585 |
| Total risk-based capital ratio | 28.7690% | 574 |
| Memoranda: | ||
| Average total assets | $22,169,330 | 5,223 |
| Average earning assets | $21,107,000 | 5,203 |
| Average equity | $3,759,330 | 5,128 |
| Average total loans | $11,617,670 | 5,158 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 3,092 |
| Cost of funding earning assets | 0.6338% | 3,386 |
| Net interest margin | 3.8029% | 2,514 |
| Noninterest income to average assets | 0.2010% | 4,553 |
| Noninterest expense to average assets | 2.3021% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1328% | 2,339 |
| Return on assets (ROA) | 1.1328% | 2,389 |
| Pretax return on assets | 1.5165% | 1,711 |
| Return on Equity (ROE) | 6.6792% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.6792% | 2,163 |
| Net charge-offs to loans | -0.0697% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2871% | 3,767 |
| Assets per employee ($millions) | 5.4760% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 53.1958% | 4,258 |
| Net loans and leases to deposits | 65.2554% | 4,108 |
| Net loans and leases to core deposits | 66.2196% | 4,272 |
| Total domestic deposits to total assets | 81.5194% | 3,851 |
| Equity capital to assets | 17.1612% | 432 |
| Core capital (leverage) ratio | 17.3677% | 387 |
| Tier 1 risk-based capital ratio | 27.9149% | 566 |
| Total risk-based capital ratio | 29.1193% | 555 |
| Memoranda: | ||
| Average total assets | $21,893,000 | 5,280 |
| Average earning assets | $20,826,000 | 5,259 |
| Average equity | $3,713,000 | 5,180 |
| Average total loans | $11,474,500 | 5,217 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 2,867 |
| Cost of funding earning assets | 0.4527% | 3,664 |
| Net interest margin | 3.9156% | 2,279 |
| Noninterest income to average assets | 0.2842% | 4,199 |
| Noninterest expense to average assets | 2.6110% | 3,305 |
| Loan and lease loss provision to assets | 0.0444% | 3,298 |
| Net operating income to assets | 1.2966% | 1,815 |
| Return on assets (ROA) | 1.2966% | 1,804 |
| Pretax return on assets | 1.3543% | 2,303 |
| Return on Equity (ROE) | 8.1197% | 3,385 |
| Retained earnings to average equity (ytd only) | 5.3390% | 2,570 |
| Net charge-offs to loans | -0.0433% | 4,930 |
| Credit loss provision to net charge-offs | -200.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 3,012 |
| Assets per employee ($millions) | 5.4705% | 1,985 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,621 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 50.1462% | 4,508 |
| Net loans and leases to deposits | 61.1037% | 4,425 |
| Net loans and leases to core deposits | 62.0014% | 4,540 |
| Total domestic deposits to total assets | 82.0675% | 3,625 |
| Equity capital to assets | 16.7581% | 435 |
| Core capital (leverage) ratio | 16.7425% | 433 |
| Tier 1 risk-based capital ratio | 28.5758% | 534 |
| Total risk-based capital ratio | 29.8139% | 528 |
| Memoranda: | ||
| Average total assets | $22,520,200 | 5,320 |
| Average earning assets | $21,427,000 | 5,300 |
| Average equity | $3,596,200 | 5,224 |
| Average total loans | $11,549,600 | 5,258 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 3,094 |
| Cost of funding earning assets | 0.4265% | 3,684 |
| Net interest margin | 3.8381% | 2,503 |
| Noninterest income to average assets | 0.3057% | 4,102 |
| Noninterest expense to average assets | 2.3221% | 4,046 |
| Loan and lease loss provision to assets | 0.0588% | 2,799 |
| Net operating income to assets | 1.1699% | 2,362 |
| Return on assets (ROA) | 1.1699% | 2,374 |
| Pretax return on assets | 1.5755% | 1,651 |
| Return on Equity (ROE) | 7.4146% | 3,779 |
| Retained earnings to average equity (ytd only) | 7.4146% | 1,920 |
| Net charge-offs to loans | -0.0343% | 4,798 |
| Credit loss provision to net charge-offs | -333.3333% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6924% | 4,011 |
| Assets per employee ($millions) | 5.7050% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,212 |
| Loan loss allowance to noncurrent loans | 1,135.7143% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,444 |
| Noncurrent loans to loans | 0.1359% | 4,274 |
| Net loans and leases to total assets | 44.4479% | 4,870 |
| Net loans and leases to deposits | 53.3113% | 4,846 |
| Net loans and leases to core deposits | 54.0470% | 4,910 |
| Total domestic deposits to total assets | 83.3742% | 3,176 |
| Equity capital to assets | 16.0473% | 533 |
| Core capital (leverage) ratio | 16.7130% | 440 |
| Tier 1 risk-based capital ratio | 30.5321% | 454 |
| Total risk-based capital ratio | 31.7783% | 447 |
| Memoranda: | ||
| Average total assets | $22,679,750 | 5,389 |
| Average earning assets | $21,572,500 | 5,368 |
| Average equity | $3,578,500 | 5,295 |
| Average total loans | $11,653,500 | 5,322 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,663 |
| Cost of funding earning assets | 0.4107% | 3,646 |
| Net interest margin | 3.9201% | 2,138 |
| Noninterest income to average assets | 0.3535% | 3,799 |
| Noninterest expense to average assets | 2.3771% | 3,959 |
| Loan and lease loss provision to assets | 0.0884% | 2,148 |
| Net operating income to assets | 1.2018% | 2,193 |
| Return on assets (ROA) | 1.2018% | 2,192 |
| Pretax return on assets | 1.5994% | 1,504 |
| Return on Equity (ROE) | 7.6605% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.6605% | 1,771 |
| Net charge-offs to loans | -0.0330% | 4,771 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4783% | 4,159 |
| Assets per employee ($millions) | 5.5065% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,800 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 50.6992% | 4,566 |
| Net loans and leases to deposits | 61.0485% | 4,475 |
| Net loans and leases to core deposits | 61.9219% | 4,603 |
| Total domestic deposits to total assets | 83.0473% | 3,402 |
| Equity capital to assets | 16.3761% | 454 |
| Core capital (leverage) ratio | 16.2019% | 470 |
| Tier 1 risk-based capital ratio | 27.7862% | 570 |
| Total risk-based capital ratio | 28.9857% | 565 |
| Memoranda: | ||
| Average total assets | $22,633,000 | 5,455 |
| Average earning assets | $21,428,000 | 5,432 |
| Average equity | $3,550,670 | 5,360 |
| Average total loans | $12,104,000 | 5,372 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,892 |
| Cost of funding earning assets | 0.3866% | 3,684 |
| Net interest margin | 3.8111% | 2,379 |
| Noninterest income to average assets | 0.2267% | 4,657 |
| Noninterest expense to average assets | 2.1451% | 4,544 |
| Loan and lease loss provision to assets | 0.1744% | 1,001 |
| Net operating income to assets | 1.1510% | 2,212 |
| Return on assets (ROA) | 1.1510% | 2,223 |
| Pretax return on assets | 1.5172% | 1,639 |
| Return on Equity (ROE) | 7.4947% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.4947% | 2,046 |
| Net charge-offs to loans | -0.0320% | 4,772 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9091% | 4,593 |
| Assets per employee ($millions) | 5.6905% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 4,887 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.7979% | 4,571 |
| Net loans and leases to deposits | 59.3891% | 4,514 |
| Net loans and leases to core deposits | 60.2029% | 4,644 |
| Total domestic deposits to total assets | 83.8503% | 3,386 |
| Equity capital to assets | 15.5610% | 558 |
| Core capital (leverage) ratio | 15.9444% | 496 |
| Tier 1 risk-based capital ratio | 27.2438% | 602 |
| Total risk-based capital ratio | 28.4349% | 596 |
| Memoranda: | ||
| Average total assets | $22,936,500 | 5,510 |
| Average earning assets | $21,726,000 | 5,489 |
| Average equity | $3,522,500 | 5,421 |
| Average total loans | $12,493,500 | 5,432 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,442 |
| Cost of funding earning assets | 0.3103% | 4,036 |
| Net interest margin | 3.6781% | 2,885 |
| Noninterest income to average assets | 0.2077% | 4,901 |
| Noninterest expense to average assets | 2.5178% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8912% | 2,766 |
| Return on assets (ROA) | 0.8912% | 2,790 |
| Pretax return on assets | 1.1767% | 2,864 |
| Return on Equity (ROE) | 5.8763% | 3,814 |
| Retained earnings to average equity (ytd only) | 3.0237% | 3,490 |
| Net charge-offs to loans | -0.0162% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1499% | 2,868 |
| Assets per employee ($millions) | 5.7778% | 1,678 |
| Cash dividends to net income (ytd only)* | 48.5437% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,919 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 57.7604% | 4,024 |
| Net loans and leases to deposits | 72.1568% | 3,688 |
| Net loans and leases to core deposits | 73.1733% | 3,956 |
| Total domestic deposits to total assets | 80.0485% | 4,325 |
| Equity capital to assets | 15.1573% | 648 |
| Core capital (leverage) ratio | 15.4223% | 553 |
| Tier 1 risk-based capital ratio | 21.3965% | 1,079 |
| Total risk-based capital ratio | 22.2829% | 1,118 |
| Memoranda: | ||
| Average total assets | $23,115,000 | 5,569 |
| Average earning assets | $21,913,400 | 5,543 |
| Average equity | $3,505,600 | 5,479 |
| Average total loans | $12,308,200 | 5,499 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 3,593 |
| Cost of funding earning assets | 0.3049% | 4,087 |
| Net interest margin | 3.6224% | 3,061 |
| Noninterest income to average assets | 0.1961% | 5,028 |
| Noninterest expense to average assets | 2.1572% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1536% | 1,867 |
| Return on assets (ROA) | 1.1536% | 1,911 |
| Pretax return on assets | 1.4650% | 1,899 |
| Return on Equity (ROE) | 7.6053% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.6053% | 1,386 |
| Net charge-offs to loans | -0.0111% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5541% | 4,283 |
| Assets per employee ($millions) | 5.7818% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 5,015 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 51.4593% | 4,615 |
| Net loans and leases to deposits | 61.4309% | 4,559 |
| Net loans and leases to core deposits | 62.2567% | 4,699 |
| Total domestic deposits to total assets | 83.7679% | 3,203 |
| Equity capital to assets | 15.6657% | 605 |
| Core capital (leverage) ratio | 15.4609% | 584 |
| Tier 1 risk-based capital ratio | 23.7168% | 877 |
| Total risk-based capital ratio | 24.6673% | 887 |
| Memoranda: | ||
| Average total assets | $23,116,000 | 5,635 |
| Average earning assets | $21,863,500 | 5,609 |
| Average equity | $3,506,250 | 5,544 |
| Average total loans | $12,011,500 | 5,563 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,642 |
| Cost of funding earning assets | 0.2833% | 4,248 |
| Net interest margin | 3.5918% | 3,071 |
| Noninterest income to average assets | 0.1904% | 5,098 |
| Noninterest expense to average assets | 2.1633% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1249% | 1,873 |
| Return on assets (ROA) | 1.1249% | 1,923 |
| Pretax return on assets | 1.4278% | 1,907 |
| Return on Equity (ROE) | 7.4986% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.4986% | 1,355 |
| Net charge-offs to loans | -0.0167% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2410% | 4,281 |
| Assets per employee ($millions) | 5.8168% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,066 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 49.2156% | 4,752 |
| Net loans and leases to deposits | 58.4891% | 4,730 |
| Net loans and leases to core deposits | 59.2641% | 4,866 |
| Total domestic deposits to total assets | 84.1449% | 3,144 |
| Equity capital to assets | 15.2834% | 659 |
| Core capital (leverage) ratio | 15.3281% | 577 |
| Tier 1 risk-based capital ratio | 24.0771% | 845 |
| Total risk-based capital ratio | 25.0611% | 855 |
| Memoranda: | ||
| Average total assets | $23,112,330 | 5,680 |
| Average earning assets | $21,883,330 | 5,653 |
| Average equity | $3,467,330 | 5,591 |
| Average total loans | $12,000,000 | 5,612 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 3,910 |
| Cost of funding earning assets | 0.2710% | 4,347 |
| Net interest margin | 3.4864% | 3,326 |
| Noninterest income to average assets | 0.1910% | 5,129 |
| Noninterest expense to average assets | 2.1359% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0940% | 1,898 |
| Return on assets (ROA) | 1.0940% | 1,938 |
| Pretax return on assets | 1.4066% | 1,867 |
| Return on Equity (ROE) | 7.3620% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.3620% | 1,709 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2941% | 4,419 |
| Assets per employee ($millions) | 5.8703% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,136 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 51.2329% | 4,572 |
| Net loans and leases to deposits | 60.5039% | 4,535 |
| Net loans and leases to core deposits | 61.2931% | 4,702 |
| Total domestic deposits to total assets | 84.6770% | 3,225 |
| Equity capital to assets | 14.7481% | 699 |
| Core capital (leverage) ratio | 14.9791% | 607 |
| Tier 1 risk-based capital ratio | 23.1111% | 962 |
| Total risk-based capital ratio | 24.0672% | 980 |
| Memoranda: | ||
| Average total assets | $23,035,000 | 5,752 |
| Average earning assets | $22,143,500 | 5,714 |
| Average equity | $3,423,000 | 5,656 |
| Average total loans | $12,202,000 | 5,674 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,338 |
| Cost of funding earning assets | 0.2351% | 4,696 |
| Net interest margin | 3.7272% | 2,588 |
| Noninterest income to average assets | 0.2090% | 5,166 |
| Noninterest expense to average assets | 2.4310% | 4,207 |
| Loan and lease loss provision to assets | 0.0545% | 3,290 |
| Net operating income to assets | 0.8679% | 2,990 |
| Return on assets (ROA) | 0.8679% | 3,102 |
| Pretax return on assets | 1.1814% | 2,754 |
| Return on Equity (ROE) | 5.5588% | 4,177 |
| Retained earnings to average equity (ytd only) | 2.6484% | 4,014 |
| Net charge-offs to loans | -0.0257% | 5,193 |
| Credit loss provision to net charge-offs | -400.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2949% | 3,544 |
| Assets per employee ($millions) | 5.6473% | 1,746 |
| Cash dividends to net income (ytd only)* | 52.3560% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 3,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 5,168 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 53.5039% | 4,483 |
| Net loans and leases to deposits | 67.4894% | 4,130 |
| Net loans and leases to core deposits | 68.4682% | 4,360 |
| Total domestic deposits to total assets | 79.2775% | 4,726 |
| Equity capital to assets | 14.9763% | 648 |
| Core capital (leverage) ratio | 15.3777% | 547 |
| Tier 1 risk-based capital ratio | 22.9596% | 967 |
| Total risk-based capital ratio | 23.9269% | 984 |
| Memoranda: | ||
| Average total assets | $22,007,200 | 5,819 |
| Average earning assets | $20,417,600 | 5,795 |
| Average equity | $3,436,000 | 5,709 |
| Average total loans | $11,677,800 | 5,736 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 2,981 |
| Cost of funding earning assets | 0.2325% | 4,770 |
| Net interest margin | 3.8389% | 2,196 |
| Noninterest income to average assets | 0.2135% | 5,185 |
| Noninterest expense to average assets | 2.1894% | 4,797 |
| Loan and lease loss provision to assets | 0.0549% | 3,162 |
| Net operating income to assets | 1.0551% | 2,176 |
| Return on assets (ROA) | 1.0551% | 2,302 |
| Pretax return on assets | 1.4942% | 1,726 |
| Return on Equity (ROE) | 6.6873% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.6873% | 1,794 |
| Net charge-offs to loans | -0.0231% | 5,058 |
| Credit loss provision to net charge-offs | -450.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5644% | 4,741 |
| Assets per employee ($millions) | 5.5103% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 5,290 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.1947% | 4,877 |
| Net loans and leases to deposits | 59.2384% | 4,805 |
| Net loans and leases to core deposits | 60.0754% | 4,927 |
| Total domestic deposits to total assets | 83.0452% | 3,575 |
| Equity capital to assets | 16.0156% | 552 |
| Core capital (leverage) ratio | 16.0536% | 464 |
| Tier 1 risk-based capital ratio | 25.2854% | 782 |
| Total risk-based capital ratio | 26.2968% | 793 |
| Memoranda: | ||
| Average total assets | $21,861,750 | 5,882 |
| Average earning assets | $20,075,000 | 5,861 |
| Average equity | $3,449,250 | 5,769 |
| Average total loans | $11,539,750 | 5,798 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,111 |
| Cost of funding earning assets | 0.2299% | 4,852 |
| Net interest margin | 3.8077% | 2,291 |
| Noninterest income to average assets | 0.2018% | 5,287 |
| Noninterest expense to average assets | 2.2108% | 4,819 |
| Loan and lease loss provision to assets | 0.0550% | 3,050 |
| Net operating income to assets | 1.0183% | 2,306 |
| Return on assets (ROA) | 1.0183% | 2,442 |
| Pretax return on assets | 1.4311% | 1,901 |
| Return on Equity (ROE) | 6.4868% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.4868% | 1,879 |
| Net charge-offs to loans | -0.0512% | 5,378 |
| Credit loss provision to net charge-offs | -200.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8015% | 4,666 |
| Assets per employee ($millions) | 5.5318% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 5,392 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 53.0438% | 4,582 |
| Net loans and leases to deposits | 63.6186% | 4,518 |
| Net loans and leases to core deposits | 64.5103% | 4,708 |
| Total domestic deposits to total assets | 83.3778% | 3,509 |
| Equity capital to assets | 15.7455% | 585 |
| Core capital (leverage) ratio | 15.5109% | 527 |
| Tier 1 risk-based capital ratio | 23.6956% | 935 |
| Total risk-based capital ratio | 24.6468% | 954 |
| Memoranda: | ||
| Average total assets | $21,802,000 | 5,956 |
| Average earning assets | $20,012,000 | 5,937 |
| Average equity | $3,422,330 | 5,840 |
| Average total loans | $11,725,330 | 5,870 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,145 |
| Cost of funding earning assets | 0.2223% | 4,973 |
| Net interest margin | 3.7994% | 2,290 |
| Noninterest income to average assets | 0.1848% | 5,394 |
| Noninterest expense to average assets | 2.1442% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1276% | 1,800 |
| Return on assets (ROA) | 1.1276% | 1,905 |
| Pretax return on assets | 1.5157% | 1,536 |
| Return on Equity (ROE) | 7.1945% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.1945% | 1,792 |
| Net charge-offs to loans | -0.0687% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5859% | 4,931 |
| Assets per employee ($millions) | 5.5413% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,424 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.0943% | 4,443 |
| Net loans and leases to deposits | 64.5909% | 4,384 |
| Net loans and leases to core deposits | 65.4905% | 4,574 |
| Total domestic deposits to total assets | 83.7492% | 3,619 |
| Equity capital to assets | 15.4568% | 610 |
| Core capital (leverage) ratio | 15.5624% | 527 |
| Tier 1 risk-based capital ratio | 23.4087% | 978 |
| Total risk-based capital ratio | 24.3141% | 989 |
| Memoranda: | ||
| Average total assets | $21,639,500 | 6,020 |
| Average earning assets | $19,792,500 | 6,000 |
| Average equity | $3,391,500 | 5,895 |
| Average total loans | $11,650,500 | 5,925 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,136 |
| Cost of funding earning assets | 0.2146% | 5,140 |
| Net interest margin | 3.5558% | 3,298 |
| Noninterest income to average assets | 0.2413% | 5,155 |
| Noninterest expense to average assets | 2.4406% | 4,408 |
| Loan and lease loss provision to assets | 0.0455% | 3,415 |
| Net operating income to assets | 0.8424% | 3,146 |
| Return on assets (ROA) | 0.8424% | 3,217 |
| Pretax return on assets | 1.0746% | 3,175 |
| Return on Equity (ROE) | 5.5267% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.5393% | 4,259 |
| Net charge-offs to loans | -0.0091% | 5,091 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5422% | 3,475 |
| Assets per employee ($millions) | 5.2785% | 2,025 |
| Cash dividends to net income (ytd only)* | 54.0541% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,734 |
| Loan loss allowance to noncurrent loans | 64.5000% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 2,196 |
| Noncurrent loans to loans | 1.7889% | 1,233 |
| Net loans and leases to total assets | 52.3397% | 4,663 |
| Net loans and leases to deposits | 62.8862% | 4,552 |
| Net loans and leases to core deposits | 63.8085% | 4,746 |
| Total domestic deposits to total assets | 83.2291% | 3,757 |
| Equity capital to assets | 15.8994% | 531 |
| Core capital (leverage) ratio | 15.2538% | 576 |
| Tier 1 risk-based capital ratio | 24.2440% | 894 |
| Total risk-based capital ratio | 25.1840% | 921 |
| Memoranda: | ||
| Average total assets | $21,961,800 | 6,071 |
| Average earning assets | $20,501,800 | 6,054 |
| Average equity | $3,347,400 | 5,947 |
| Average total loans | $10,931,800 | 5,996 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7223% | 4,355 |
| Cost of funding earning assets | 0.2111% | 5,280 |
| Net interest margin | 3.5112% | 3,495 |
| Noninterest income to average assets | 0.2405% | 5,209 |
| Noninterest expense to average assets | 2.1586% | 5,146 |
| Loan and lease loss provision to assets | 0.0601% | 2,979 |
| Net operating income to assets | 0.9500% | 2,708 |
| Return on assets (ROA) | 0.9500% | 2,804 |
| Pretax return on assets | 1.3228% | 2,308 |
| Return on Equity (ROE) | 6.2978% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.2978% | 2,064 |
| Net charge-offs to loans | 0.0122% | 3,744 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 230.5714% | 311 |
| Efficiency ratio | 60.9508% | 4,743 |
| Assets per employee ($millions) | 5.4860% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 5,575 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 49.8177% | 4,946 |
| Net loans and leases to deposits | 59.6855% | 4,877 |
| Net loans and leases to core deposits | 60.5249% | 5,030 |
| Total domestic deposits to total assets | 83.4670% | 3,622 |
| Equity capital to assets | 15.6444% | 624 |
| Core capital (leverage) ratio | 15.5500% | 548 |
| Tier 1 risk-based capital ratio | 25.4301% | 816 |
| Total risk-based capital ratio | 26.3800% | 833 |
| Memoranda: | ||
| Average total assets | $22,173,750 | 6,153 |
| Average earning assets | $20,846,750 | 6,127 |
| Average equity | $3,345,000 | 6,024 |
| Average total loans | $10,869,750 | 6,075 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 4,163 |
| Cost of funding earning assets | 0.2107% | 5,346 |
| Net interest margin | 3.5625% | 3,239 |
| Noninterest income to average assets | 0.2337% | 5,286 |
| Noninterest expense to average assets | 2.2472% | 4,985 |
| Loan and lease loss provision to assets | 0.0899% | 2,317 |
| Net operating income to assets | 0.8989% | 2,883 |
| Return on assets (ROA) | 0.8989% | 3,005 |
| Pretax return on assets | 1.2404% | 2,600 |
| Return on Equity (ROE) | 6.0320% | 4,112 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,228 |
| Net charge-offs to loans | 0.0555% | 2,617 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 49.3333% | 968 |
| Efficiency ratio | 62.8141% | 4,545 |
| Assets per employee ($millions) | 5.3990% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 5,654 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.4256% | 5,061 |
| Net loans and leases to deposits | 57.8781% | 5,001 |
| Net loans and leases to core deposits | 58.7000% | 5,149 |
| Total domestic deposits to total assets | 83.6683% | 3,706 |
| Equity capital to assets | 15.5631% | 592 |
| Core capital (leverage) ratio | 15.3832% | 561 |
| Tier 1 risk-based capital ratio | 25.1998% | 843 |
| Total risk-based capital ratio | 26.1424% | 861 |
| Memoranda: | ||
| Average total assets | $22,250,330 | 6,226 |
| Average earning assets | $20,884,000 | 6,195 |
| Average equity | $3,315,670 | 6,088 |
| Average total loans | $10,806,670 | 6,145 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 4,173 |
| Cost of funding earning assets | 0.2046% | 5,469 |
| Net interest margin | 3.5524% | 3,216 |
| Noninterest income to average assets | 0.2303% | 5,311 |
| Noninterest expense to average assets | 2.3209% | 4,828 |
| Loan and lease loss provision to assets | 0.1772% | 1,094 |
| Net operating income to assets | 0.8858% | 2,816 |
| Return on assets (ROA) | 0.8858% | 2,941 |
| Pretax return on assets | 1.1162% | 3,011 |
| Return on Equity (ROE) | 6.0735% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.0735% | 2,446 |
| Net charge-offs to loans | 0.0733% | 1,980 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,032 |
| Efficiency ratio | 64.2157% | 4,441 |
| Assets per employee ($millions) | 5.3725% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 4,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 5,729 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.1117% | 4,837 |
| Net loans and leases to deposits | 59.8045% | 4,759 |
| Net loans and leases to core deposits | 60.6568% | 4,944 |
| Total domestic deposits to total assets | 83.7925% | 3,894 |
| Equity capital to assets | 15.4956% | 624 |
| Core capital (leverage) ratio | 14.1878% | 769 |
| Tier 1 risk-based capital ratio | 24.4468% | 946 |
| Total risk-based capital ratio | 25.3824% | 963 |
| Memoranda: | ||
| Average total assets | $22,577,500 | 6,290 |
| Average earning assets | $21,506,500 | 6,255 |
| Average equity | $3,293,000 | 6,152 |
| Average total loans | $10,918,500 | 6,207 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 5,454 |
| Cost of funding earning assets | 0.2711% | 5,081 |
| Net interest margin | 3.1659% | 5,032 |
| Noninterest income to average assets | 0.2485% | 5,347 |
| Noninterest expense to average assets | 2.5891% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5287% | 4,687 |
| Return on assets (ROA) | 0.5287% | 4,775 |
| Pretax return on assets | 0.6145% | 4,895 |
| Return on Equity (ROE) | 3.5947% | 5,266 |
| Retained earnings to average equity (ytd only) | 0.5223% | 5,536 |
| Net charge-offs to loans | 0.0968% | 3,118 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.1111% | 2,106 |
| Efficiency ratio | 80.8181% | 1,800 |
| Assets per employee ($millions) | 4.7330% | 2,680 |
| Cash dividends to net income (ytd only)* | 85.4701% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 4,645 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 5,767 |
| Noncurrent loans to loans | 0.0366% | 5,738 |
| Net loans and leases to total assets | 45.7384% | 5,348 |
| Net loans and leases to deposits | 62.8644% | 4,651 |
| Net loans and leases to core deposits | 63.8019% | 4,842 |
| Total domestic deposits to total assets | 72.7572% | 6,035 |
| Equity capital to assets | 13.7587% | 1,045 |
| Core capital (leverage) ratio | 14.3967% | 727 |
| Tier 1 risk-based capital ratio | 24.6991% | 865 |
| Total risk-based capital ratio | 25.5980% | 890 |
| Memoranda: | ||
| Average total assets | $22,131,600 | 6,383 |
| Average earning assets | $20,657,400 | 6,361 |
| Average equity | $3,254,800 | 6,222 |
| Average total loans | $9,294,600 | 6,334 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 5,514 |
| Cost of funding earning assets | 0.2902% | 4,988 |
| Net interest margin | 3.1519% | 5,114 |
| Noninterest income to average assets | 0.2759% | 5,229 |
| Noninterest expense to average assets | 2.4339% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6805% | 4,038 |
| Return on assets (ROA) | 0.6805% | 4,129 |
| Pretax return on assets | 0.7725% | 4,463 |
| Return on Equity (ROE) | 4.5475% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.5475% | 3,410 |
| Net charge-offs to loans | 0.0751% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 25.1874% | 1,514 |
| Efficiency ratio | 75.9082% | 2,505 |
| Assets per employee ($millions) | 4.3504% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 3,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 5,951 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.7597% | 5,900 |
| Net loans and leases to deposits | 46.0887% | 5,858 |
| Net loans and leases to core deposits | 46.7324% | 5,933 |
| Total domestic deposits to total assets | 84.0980% | 3,721 |
| Equity capital to assets | 15.3089% | 673 |
| Core capital (leverage) ratio | 15.1850% | 593 |
| Tier 1 risk-based capital ratio | 31.0962% | 480 |
| Total risk-based capital ratio | 32.2334% | 480 |
| Memoranda: | ||
| Average total assets | $21,748,250 | 6,461 |
| Average earning assets | $20,220,000 | 6,442 |
| Average equity | $3,254,500 | 6,293 |
| Average total loans | $8,882,750 | 6,418 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 5,532 |
| Cost of funding earning assets | 0.3170% | 4,798 |
| Net interest margin | 3.1301% | 5,159 |
| Noninterest income to average assets | 0.2759% | 5,220 |
| Noninterest expense to average assets | 2.4003% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6898% | 3,896 |
| Return on assets (ROA) | 0.6898% | 3,987 |
| Pretax return on assets | 0.7817% | 4,345 |
| Return on Equity (ROE) | 4.6449% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.6449% | 3,192 |
| Net charge-offs to loans | -0.0445% | 5,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4335% | 2,741 |
| Assets per employee ($millions) | 4.4772% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,747 |
| Loan loss allowance to noncurrent loans | 307.1429% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 5,392 |
| Noncurrent loans to loans | 0.4993% | 4,500 |
| Net loans and leases to total assets | 37.0008% | 6,003 |
| Net loans and leases to deposits | 43.6844% | 6,002 |
| Net loans and leases to core deposits | 44.2728% | 6,054 |
| Total domestic deposits to total assets | 84.7003% | 3,639 |
| Equity capital to assets | 14.7324% | 768 |
| Core capital (leverage) ratio | 14.8186% | 633 |
| Tier 1 risk-based capital ratio | 30.5140% | 504 |
| Total risk-based capital ratio | 31.7064% | 498 |
| Memoranda: | ||
| Average total assets | $21,747,000 | 6,527 |
| Average earning assets | $20,191,330 | 6,508 |
| Average equity | $3,229,330 | 6,347 |
| Average total loans | $8,992,670 | 6,476 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 5,399 |
| Cost of funding earning assets | 0.3225% | 4,826 |
| Net interest margin | 3.1851% | 4,971 |
| Noninterest income to average assets | 0.2613% | 5,270 |
| Noninterest expense to average assets | 2.4081% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7094% | 3,636 |
| Return on assets (ROA) | 0.7094% | 3,717 |
| Pretax return on assets | 0.8027% | 4,103 |
| Return on Equity (ROE) | 4.7574% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.7574% | 3,260 |
| Net charge-offs to loans | -0.0431% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,971 |
| Assets per employee ($millions) | 4.3626% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 3,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 6,125 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 40.1641% | 5,795 |
| Net loans and leases to deposits | 47.4003% | 5,768 |
| Net loans and leases to core deposits | 48.0555% | 5,871 |
| Total domestic deposits to total assets | 84.7339% | 3,981 |
| Equity capital to assets | 14.8031% | 711 |
| Core capital (leverage) ratio | 15.2555% | 569 |
| Tier 1 risk-based capital ratio | 28.9607% | 577 |
| Total risk-based capital ratio | 30.0967% | 574 |
| Memoranda: | ||
| Average total assets | $21,427,500 | 6,605 |
| Average earning assets | $19,842,500 | 6,581 |
| Average equity | $3,195,000 | 6,407 |
| Average total loans | $9,283,000 | 6,542 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3774% | 5,881 |
| Cost of funding earning assets | 0.3388% | 5,253 |
| Net interest margin | 3.0386% | 5,487 |
| Noninterest income to average assets | 0.2921% | 5,262 |
| Noninterest expense to average assets | 2.5907% | 4,494 |
| Loan and lease loss provision to assets | 0.0239% | 4,646 |
| Net operating income to assets | 0.4644% | 4,891 |
| Return on assets (ROA) | 0.6082% | 4,345 |
| Pretax return on assets | 0.6704% | 4,632 |
| Return on Equity (ROE) | 3.9082% | 5,156 |
| Retained earnings to average equity (ytd only) | 0.8309% | 5,462 |
| Net charge-offs to loans | -0.0715% | 6,411 |
| Credit loss provision to net charge-offs | -83.3333% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8484% | 1,769 |
| Assets per employee ($millions) | 4.2084% | 3,426 |
| Cash dividends to net income (ytd only)* | 78.7402% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 4,082 |
| Loan loss allowance to noncurrent loans | 12,700.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,189 |
| Noncurrent loans to loans | 0.0103% | 6,257 |
| Net loans and leases to total assets | 45.3854% | 5,544 |
| Net loans and leases to deposits | 56.0940% | 5,294 |
| Net loans and leases to core deposits | 56.9333% | 5,468 |
| Total domestic deposits to total assets | 80.9096% | 5,208 |
| Equity capital to assets | 15.0223% | 666 |
| Core capital (leverage) ratio | 15.6965% | 508 |
| Tier 1 risk-based capital ratio | 27.7563% | 625 |
| Total risk-based capital ratio | 28.8493% | 621 |
| Memoranda: | ||
| Average total assets | $20,882,400 | 6,688 |
| Average earning assets | $19,482,600 | 6,667 |
| Average equity | $3,249,600 | 6,487 |
| Average total loans | $8,386,200 | 6,634 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3162% | 6,038 |
| Cost of funding earning assets | 0.3502% | 5,293 |
| Net interest margin | 2.9661% | 5,675 |
| Noninterest income to average assets | 0.2879% | 5,390 |
| Noninterest expense to average assets | 2.3541% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5754% | 4,444 |
| Return on assets (ROA) | 0.7485% | 3,735 |
| Pretax return on assets | 0.9084% | 3,843 |
| Return on Equity (ROE) | 4.7681% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.7681% | 3,259 |
| Net charge-offs to loans | -0.0827% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1488% | 2,533 |
| Assets per employee ($millions) | 4.1476% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 6,298 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 37.4626% | 6,200 |
| Net loans and leases to deposits | 44.6725% | 6,177 |
| Net loans and leases to core deposits | 45.3267% | 6,239 |
| Total domestic deposits to total assets | 83.8605% | 4,251 |
| Equity capital to assets | 15.7055% | 591 |
| Core capital (leverage) ratio | 15.9314% | 500 |
| Tier 1 risk-based capital ratio | 33.9895% | 371 |
| Total risk-based capital ratio | 35.2302% | 364 |
| Memoranda: | ||
| Average total assets | $20,842,500 | 6,764 |
| Average earning assets | $19,419,000 | 6,743 |
| Average equity | $3,271,750 | 6,554 |
| Average total loans | $8,063,500 | 6,721 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2610% | 6,145 |
| Cost of funding earning assets | 0.3612% | 5,305 |
| Net interest margin | 2.8998% | 5,802 |
| Noninterest income to average assets | 0.2682% | 5,537 |
| Noninterest expense to average assets | 2.3470% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5553% | 4,526 |
| Return on assets (ROA) | 0.8430% | 3,231 |
| Pretax return on assets | 0.9292% | 3,790 |
| Return on Equity (ROE) | 5.3713% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.3713% | 2,827 |
| Net charge-offs to loans | -0.1231% | 6,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2880% | 2,261 |
| Assets per employee ($millions) | 4.2010% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 3,323 |
| Loan loss allowance to noncurrent loans | 1,008.3333% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 6,162 |
| Noncurrent loans to loans | 0.1546% | 5,938 |
| Net loans and leases to total assets | 36.3771% | 6,277 |
| Net loans and leases to deposits | 43.3877% | 6,260 |
| Net loans and leases to core deposits | 44.0150% | 6,331 |
| Total domestic deposits to total assets | 83.8419% | 4,386 |
| Equity capital to assets | 15.6439% | 594 |
| Core capital (leverage) ratio | 15.7097% | 493 |
| Tier 1 risk-based capital ratio | 35.4209% | 325 |
| Total risk-based capital ratio | 36.6713% | 316 |
| Memoranda: | ||
| Average total assets | $20,877,330 | 6,810 |
| Average earning assets | $19,380,670 | 6,793 |
| Average equity | $3,276,670 | 6,607 |
| Average total loans | $8,121,330 | 6,766 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3083% | 6,143 |
| Cost of funding earning assets | 0.3722% | 5,345 |
| Net interest margin | 2.9361% | 5,742 |
| Noninterest income to average assets | 0.2498% | 5,671 |
| Noninterest expense to average assets | 2.4215% | 5,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4997% | 4,664 |
| Return on assets (ROA) | 0.4997% | 4,817 |
| Pretax return on assets | 0.5573% | 5,090 |
| Return on Equity (ROE) | 3.1785% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.1785% | 4,355 |
| Net charge-offs to loans | 0.3855% | 1,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.6250% | 2,722 |
| Efficiency ratio | 81.2903% | 2,156 |
| Assets per employee ($millions) | 4.1582% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 4,142 |
| Loan loss allowance to noncurrent loans | 10,800.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,621 |
| Noncurrent loans to loans | 0.0131% | 6,460 |
| Net loans and leases to total assets | 36.1022% | 6,287 |
| Net loans and leases to deposits | 43.1901% | 6,261 |
| Net loans and leases to core deposits | 43.8230% | 6,319 |
| Total domestic deposits to total assets | 83.5891% | 4,633 |
| Equity capital to assets | 15.7857% | 593 |
| Core capital (leverage) ratio | 15.7291% | 488 |
| Tier 1 risk-based capital ratio | 28.7934% | 595 |
| Total risk-based capital ratio | 29.7580% | 603 |
| Memoranda: | ||
| Average total assets | $20,813,500 | 6,887 |
| Average earning assets | $19,345,500 | 6,864 |
| Average equity | $3,272,000 | 6,666 |
| Average total loans | $8,301,000 | 6,835 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 6,108 |
| Cost of funding earning assets | 0.5156% | 5,107 |
| Net interest margin | 3.1506% | 5,690 |
| Noninterest income to average assets | 0.2502% | 5,674 |
| Noninterest expense to average assets | 2.5694% | 4,859 |
| Loan and lease loss provision to assets | 0.0481% | 5,221 |
| Net operating income to assets | 0.5004% | 4,694 |
| Return on assets (ROA) | 0.5004% | 4,941 |
| Pretax return on assets | 0.5437% | 5,155 |
| Return on Equity (ROE) | 3.1865% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.1226% | 5,777 |
| Net charge-offs to loans | 0.4205% | 2,556 |
| Credit loss provision to net charge-offs | 26.3158% | 5,180 |
| Earnings coverage of net charge-offs (x) | 3.2368% | 3,808 |
| Efficiency ratio | 81.2785% | 1,973 |
| Assets per employee ($millions) | 4.1672% | 3,619 |
| Cash dividends to net income (ytd only)* | 96.1538% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 4,682 |
| Loan loss allowance to noncurrent loans | 429.6296% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 6,246 |
| Noncurrent loans to loans | 0.3004% | 5,726 |
| Net loans and leases to total assets | 42.5801% | 5,942 |
| Net loans and leases to deposits | 54.7959% | 5,572 |
| Net loans and leases to core deposits | 55.6657% | 5,738 |
| Total domestic deposits to total assets | 77.7069% | 6,124 |
| Equity capital to assets | 15.6556% | 610 |
| Core capital (leverage) ratio | 15.4314% | 516 |
| Tier 1 risk-based capital ratio | 26.1019% | 761 |
| Total risk-based capital ratio | 27.0486% | 779 |
| Memoranda: | ||
| Average total assets | $20,783,000 | 6,947 |
| Average earning assets | $19,202,600 | 6,920 |
| Average equity | $3,263,800 | 6,730 |
| Average total loans | $9,037,200 | 6,879 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 6,239 |
| Cost of funding earning assets | 0.5391% | 5,170 |
| Net interest margin | 3.1506% | 5,822 |
| Noninterest income to average assets | 0.2504% | 5,773 |
| Noninterest expense to average assets | 2.3495% | 5,545 |
| Loan and lease loss provision to assets | 0.0642% | 4,908 |
| Net operating income to assets | 0.6098% | 4,346 |
| Return on assets (ROA) | 0.6098% | 4,599 |
| Pretax return on assets | 0.7254% | 4,768 |
| Return on Equity (ROE) | 3.8802% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.8802% | 4,157 |
| Net charge-offs to loans | 0.7072% | 1,566 |
| Credit loss provision to net charge-offs | 20.8333% | 4,941 |
| Earnings coverage of net charge-offs (x) | 2.5625% | 4,015 |
| Efficiency ratio | 74.8466% | 2,850 |
| Assets per employee ($millions) | 4.2140% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 4,722 |
| Loan loss allowance to noncurrent loans | 623.5294% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 6,541 |
| Noncurrent loans to loans | 0.2118% | 6,077 |
| Net loans and leases to total assets | 37.5937% | 6,444 |
| Net loans and leases to deposits | 45.0543% | 6,455 |
| Net loans and leases to core deposits | 45.7174% | 6,524 |
| Total domestic deposits to total assets | 83.4409% | 4,462 |
| Equity capital to assets | 15.8092% | 643 |
| Core capital (leverage) ratio | 15.5969% | 523 |
| Tier 1 risk-based capital ratio | 28.3450% | 626 |
| Total risk-based capital ratio | 29.2582% | 645 |
| Memoranda: | ||
| Average total assets | $20,769,750 | 7,040 |
| Average earning assets | $19,043,500 | 7,013 |
| Average equity | $3,264,250 | 6,820 |
| Average total loans | $9,049,500 | 6,976 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 6,151 |
| Cost of funding earning assets | 0.5603% | 5,226 |
| Net interest margin | 3.2351% | 5,634 |
| Noninterest income to average assets | 0.2516% | 5,780 |
| Noninterest expense to average assets | 2.3319% | 5,658 |
| Loan and lease loss provision to assets | 0.0968% | 4,328 |
| Net operating income to assets | 0.6580% | 4,075 |
| Return on assets (ROA) | 0.6580% | 4,332 |
| Pretax return on assets | 0.7838% | 4,532 |
| Return on Equity (ROE) | 4.1949% | 5,181 |
| Retained earnings to average equity (ytd only) | 4.1949% | 3,820 |
| Net charge-offs to loans | 0.9158% | 1,204 |
| Credit loss provision to net charge-offs | 23.2558% | 4,557 |
| Earnings coverage of net charge-offs (x) | 2.1163% | 3,928 |
| Efficiency ratio | 72.5904% | 3,325 |
| Assets per employee ($millions) | 4.3486% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,867 |
| Loan loss allowance to noncurrent loans | 444.0000% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 6,504 |
| Noncurrent loans to loans | 0.2939% | 5,974 |
| Net loans and leases to total assets | 38.6147% | 6,432 |
| Net loans and leases to deposits | 45.8522% | 6,449 |
| Net loans and leases to core deposits | 46.5049% | 6,548 |
| Total domestic deposits to total assets | 84.2156% | 4,225 |
| Equity capital to assets | 15.0853% | 763 |
| Core capital (leverage) ratio | 15.3203% | 544 |
| Tier 1 risk-based capital ratio | 27.0616% | 725 |
| Total risk-based capital ratio | 27.9824% | 735 |
| Memoranda: | ||
| Average total assets | $20,669,670 | 7,101 |
| Average earning assets | $18,917,330 | 7,072 |
| Average equity | $3,242,000 | 6,863 |
| Average total loans | $9,390,330 | 7,020 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 5,629 |
| Cost of funding earning assets | 0.6303% | 4,887 |
| Net interest margin | 3.4121% | 5,070 |
| Noninterest income to average assets | 0.2384% | 5,925 |
| Noninterest expense to average assets | 2.2848% | 5,808 |
| Loan and lease loss provision to assets | 0.1987% | 2,953 |
| Net operating income to assets | 0.5762% | 4,464 |
| Return on assets (ROA) | 0.5762% | 4,688 |
| Pretax return on assets | 0.8742% | 4,133 |
| Return on Equity (ROE) | 3.5991% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.5991% | 4,417 |
| Net charge-offs to loans | 1.7494% | 547 |
| Credit loss provision to net charge-offs | 23.2558% | 3,735 |
| Earnings coverage of net charge-offs (x) | 1.2558% | 3,706 |
| Efficiency ratio | 68.0473% | 4,161 |
| Assets per employee ($millions) | 4.0724% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 5,154 |
| Loan loss allowance to noncurrent loans | 426.9231% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 6,571 |
| Noncurrent loans to loans | 0.2978% | 6,077 |
| Net loans and leases to total assets | 42.3387% | 6,165 |
| Net loans and leases to deposits | 50.9636% | 6,076 |
| Net loans and leases to core deposits | 51.7560% | 6,225 |
| Total domestic deposits to total assets | 83.0763% | 4,896 |
| Equity capital to assets | 16.0004% | 577 |
| Core capital (leverage) ratio | 16.0949% | 449 |
| Tier 1 risk-based capital ratio | 26.4592% | 768 |
| Total risk-based capital ratio | 27.3705% | 781 |
| Memoranda: | ||
| Average total assets | $20,133,000 | 7,167 |
| Average earning assets | $18,405,000 | 7,143 |
| Average equity | $3,223,000 | 6,917 |
| Average total loans | $9,832,000 | 7,069 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 5,461 |
| Cost of funding earning assets | 0.6767% | 5,674 |
| Net interest margin | 3.7144% | 4,235 |
| Noninterest income to average assets | 0.3225% | 5,237 |
| Noninterest expense to average assets | 2.6235% | 5,004 |
| Loan and lease loss provision to assets | 0.2214% | 3,983 |
| Net operating income to assets | 0.7729% | 3,164 |
| Return on assets (ROA) | 0.7654% | 3,359 |
| Pretax return on assets | 0.9820% | 3,310 |
| Return on Equity (ROE) | 4.9183% | 4,430 |
| Retained earnings to average equity (ytd only) | 1.8250% | 4,915 |
| Net charge-offs to loans | 0.2219% | 4,395 |
| Credit loss provision to net charge-offs | 191.6667% | 1,332 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,832 |
| Efficiency ratio | 68.3814% | 4,280 |
| Assets per employee ($millions) | 3.9808% | 3,899 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 4,822 |
| Loan loss allowance to noncurrent loans | 221.5385% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 6,158 |
| Noncurrent loans to loans | 0.5946% | 5,525 |
| Net loans and leases to total assets | 54.2002% | 5,006 |
| Net loans and leases to deposits | 67.1647% | 4,559 |
| Net loans and leases to core deposits | 68.2698% | 4,993 |
| Total domestic deposits to total assets | 80.6973% | 5,544 |
| Equity capital to assets | 16.0169% | 574 |
| Core capital (leverage) ratio | 15.5373% | 517 |
| Tier 1 risk-based capital ratio | 23.1483% | 1,085 |
| Total risk-based capital ratio | 24.1919% | 1,088 |
| Memoranda: | ||
| Average total assets | $20,773,600 | 7,193 |
| Average earning assets | $19,653,400 | 7,149 |
| Average equity | $3,232,800 | 6,952 |
| Average total loans | $10,816,400 | 7,089 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 5,732 |
| Cost of funding earning assets | 0.6793% | 5,884 |
| Net interest margin | 3.6829% | 4,418 |
| Noninterest income to average assets | 0.3239% | 5,278 |
| Noninterest expense to average assets | 2.2485% | 6,171 |
| Loan and lease loss provision to assets | 0.1334% | 4,764 |
| Net operating income to assets | 1.0544% | 2,124 |
| Return on assets (ROA) | 1.0544% | 2,265 |
| Pretax return on assets | 1.4546% | 1,774 |
| Return on Equity (ROE) | 6.8227% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.8227% | 2,063 |
| Net charge-offs to loans | 0.0494% | 5,494 |
| Credit loss provision to net charge-offs | 525.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 62.5385% | 532 |
| Efficiency ratio | 58.6093% | 5,915 |
| Assets per employee ($millions) | 4.1976% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 3,940 |
| Loan loss allowance to noncurrent loans | 190.4110% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 6,195 |
| Noncurrent loans to loans | 0.8059% | 5,259 |
| Net loans and leases to total assets | 42.4957% | 6,467 |
| Net loans and leases to deposits | 51.2233% | 6,429 |
| Net loans and leases to core deposits | 52.0058% | 6,567 |
| Total domestic deposits to total assets | 82.9617% | 4,699 |
| Equity capital to assets | 15.8996% | 647 |
| Core capital (leverage) ratio | 15.6750% | 551 |
| Tier 1 risk-based capital ratio | 26.4059% | 799 |
| Total risk-based capital ratio | 27.5178% | 788 |
| Memoranda: | ||
| Average total assets | $20,991,000 | 7,252 |
| Average earning assets | $20,020,000 | 7,214 |
| Average equity | $3,244,000 | 7,003 |
| Average total loans | $10,787,500 | 7,160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 5,663 |
| Cost of funding earning assets | 0.6880% | 6,026 |
| Net interest margin | 3.7190% | 4,178 |
| Noninterest income to average assets | 0.2763% | 5,675 |
| Noninterest expense to average assets | 2.2675% | 6,206 |
| Loan and lease loss provision to assets | 0.2001% | 3,923 |
| Net operating income to assets | 1.0004% | 2,227 |
| Return on assets (ROA) | 1.0004% | 2,329 |
| Pretax return on assets | 1.3624% | 1,911 |
| Return on Equity (ROE) | 6.5359% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.5359% | 2,120 |
| Net charge-offs to loans | 0.0528% | 5,121 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 54.6667% | 580 |
| Efficiency ratio | 59.2040% | 5,997 |
| Assets per employee ($millions) | 4.2368% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 4,344 |
| Loan loss allowance to noncurrent loans | 208.9552% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 6,339 |
| Noncurrent loans to loans | 0.6942% | 5,518 |
| Net loans and leases to total assets | 44.8971% | 6,361 |
| Net loans and leases to deposits | 53.8897% | 6,309 |
| Net loans and leases to core deposits | 54.7081% | 6,513 |
| Total domestic deposits to total assets | 83.3129% | 4,630 |
| Equity capital to assets | 15.5920% | 685 |
| Core capital (leverage) ratio | 15.1657% | 638 |
| Tier 1 risk-based capital ratio | 24.7744% | 922 |
| Total risk-based capital ratio | 25.8449% | 927 |
| Memoranda: | ||
| Average total assets | $20,992,000 | 7,323 |
| Average earning assets | $20,059,330 | 7,287 |
| Average equity | $3,213,000 | 7,065 |
| Average total loans | $11,364,000 | 7,205 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 5,525 |
| Cost of funding earning assets | 0.7011% | 6,130 |
| Net interest margin | 3.7456% | 3,864 |
| Noninterest income to average assets | 0.2680% | 5,752 |
| Noninterest expense to average assets | 2.2971% | 6,195 |
| Loan and lease loss provision to assets | 0.2106% | 3,541 |
| Net operating income to assets | 0.9188% | 2,481 |
| Return on assets (ROA) | 0.9188% | 2,536 |
| Pretax return on assets | 1.3400% | 1,912 |
| Return on Equity (ROE) | 6.0606% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,605 |
| Net charge-offs to loans | -0.0327% | 6,741 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7015% | 6,026 |
| Assets per employee ($millions) | 4.2446% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,623 |
| Loan loss allowance to noncurrent loans | 73.6264% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 5,188 |
| Noncurrent loans to loans | 1.6326% | 4,031 |
| Net loans and leases to total assets | 51.8965% | 5,597 |
| Net loans and leases to deposits | 61.8000% | 5,523 |
| Net loans and leases to core deposits | 62.7292% | 5,849 |
| Total domestic deposits to total assets | 83.9749% | 4,497 |
| Equity capital to assets | 15.0450% | 755 |
| Core capital (leverage) ratio | 15.1054% | 647 |
| Tier 1 risk-based capital ratio | 22.5633% | 1,134 |
| Total risk-based capital ratio | 23.5131% | 1,156 |
| Memoranda: | ||
| Average total assets | $20,896,000 | 7,384 |
| Average earning assets | $19,970,000 | 7,343 |
| Average equity | $3,168,000 | 7,115 |
| Average total loans | $12,220,500 | 7,215 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 5,229 |
| Cost of funding earning assets | 0.8067% | 6,539 |
| Net interest margin | 4.0442% | 2,826 |
| Noninterest income to average assets | 0.3377% | 5,371 |
| Noninterest expense to average assets | 2.6963% | 5,004 |
| Loan and lease loss provision to assets | 0.1512% | 5,687 |
| Net operating income to assets | 1.0281% | 1,942 |
| Return on assets (ROA) | 1.0281% | 2,048 |
| Pretax return on assets | 1.3305% | 1,858 |
| Return on Equity (ROE) | 6.4733% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.3001% | 3,559 |
| Net charge-offs to loans | 0.4271% | 3,914 |
| Credit loss provision to net charge-offs | 55.5556% | 6,168 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,621 |
| Efficiency ratio | 64.5356% | 5,252 |
| Assets per employee ($millions) | 4.1138% | 3,550 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 6,675 |
| Loan loss allowance to noncurrent loans | 193.6508% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 6,476 |
| Noncurrent loans to loans | 0.4739% | 6,092 |
| Net loans and leases to total assets | 64.0333% | 3,870 |
| Net loans and leases to deposits | 82.9304% | 2,644 |
| Net loans and leases to core deposits | 84.3322% | 3,550 |
| Total domestic deposits to total assets | 77.2133% | 6,447 |
| Equity capital to assets | 15.2803% | 726 |
| Core capital (leverage) ratio | 15.7911% | 535 |
| Tier 1 risk-based capital ratio | 20.7753% | 1,350 |
| Total risk-based capital ratio | 21.5838% | 1,410 |
| Memoranda: | ||
| Average total assets | $19,841,800 | 7,471 |
| Average earning assets | $18,842,000 | 7,433 |
| Average equity | $3,151,400 | 7,234 |
| Average total loans | $12,644,600 | 7,271 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 5,353 |
| Cost of funding earning assets | 0.8290% | 6,658 |
| Net interest margin | 4.0524% | 2,846 |
| Noninterest income to average assets | 0.3120% | 5,659 |
| Noninterest expense to average assets | 2.4279% | 5,946 |
| Loan and lease loss provision to assets | 0.2035% | 5,017 |
| Net operating income to assets | 1.1054% | 1,869 |
| Return on assets (ROA) | 1.1054% | 1,973 |
| Pretax return on assets | 1.5259% | 1,541 |
| Return on Equity (ROE) | 6.8917% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.8917% | 1,907 |
| Net charge-offs to loans | 0.5661% | 3,054 |
| Credit loss provision to net charge-offs | 56.6038% | 5,773 |
| Earnings coverage of net charge-offs (x) | 4.8116% | 2,923 |
| Efficiency ratio | 58.4013% | 6,203 |
| Assets per employee ($millions) | 3.9238% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 6,264 |
| Loan loss allowance to noncurrent loans | 132.2581% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 6,238 |
| Noncurrent loans to loans | 0.7795% | 5,654 |
| Net loans and leases to total assets | 60.1815% | 4,877 |
| Net loans and leases to deposits | 73.1990% | 4,653 |
| Net loans and leases to core deposits | 74.4170% | 5,246 |
| Total domestic deposits to total assets | 82.2162% | 4,906 |
| Equity capital to assets | 16.5299% | 584 |
| Core capital (leverage) ratio | 16.2521% | 522 |
| Tier 1 risk-based capital ratio | 23.8379% | 967 |
| Total risk-based capital ratio | 24.7557% | 977 |
| Memoranda: | ||
| Average total assets | $19,660,000 | 7,573 |
| Average earning assets | $18,655,250 | 7,532 |
| Average equity | $3,153,500 | 7,320 |
| Average total loans | $12,482,500 | 7,375 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 5,367 |
| Cost of funding earning assets | 0.8387% | 6,790 |
| Net interest margin | 4.0645% | 2,726 |
| Noninterest income to average assets | 0.3050% | 5,718 |
| Noninterest expense to average assets | 2.4093% | 6,045 |
| Loan and lease loss provision to assets | 0.0508% | 6,461 |
| Net operating income to assets | 1.2402% | 1,452 |
| Return on assets (ROA) | 1.2402% | 1,514 |
| Pretax return on assets | 1.6875% | 1,074 |
| Return on Equity (ROE) | 7.8113% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.8113% | 1,506 |
| Net charge-offs to loans | 0.2842% | 3,916 |
| Credit loss provision to net charge-offs | 27.7778% | 5,766 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,013 |
| Efficiency ratio | 58.0882% | 6,366 |
| Assets per employee ($millions) | 3.9932% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 6,023 |
| Loan loss allowance to noncurrent loans | 119.8198% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 6,083 |
| Noncurrent loans to loans | 0.9043% | 5,470 |
| Net loans and leases to total assets | 60.8134% | 4,904 |
| Net loans and leases to deposits | 73.1446% | 4,814 |
| Net loans and leases to core deposits | 74.3266% | 5,404 |
| Total domestic deposits to total assets | 83.1413% | 4,507 |
| Equity capital to assets | 15.8519% | 696 |
| Core capital (leverage) ratio | 16.2034% | 540 |
| Tier 1 risk-based capital ratio | 23.3664% | 1,018 |
| Total risk-based capital ratio | 24.3518% | 1,031 |
| Memoranda: | ||
| Average total assets | $19,673,670 | 7,634 |
| Average earning assets | $18,600,000 | 7,596 |
| Average equity | $3,123,670 | 7,377 |
| Average total loans | $12,666,670 | 7,417 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 5,378 |
| Cost of funding earning assets | 0.8665% | 6,884 |
| Net interest margin | 4.0507% | 2,645 |
| Noninterest income to average assets | 0.2868% | 5,850 |
| Noninterest expense to average assets | 2.5195% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1471% | 1,684 |
| Return on assets (ROA) | 1.1471% | 1,765 |
| Pretax return on assets | 1.5977% | 1,271 |
| Return on Equity (ROE) | 7.2188% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.2188% | 2,038 |
| Net charge-offs to loans | 0.1555% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,373 |
| Efficiency ratio | 61.1940% | 5,966 |
| Assets per employee ($millions) | 3.8284% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,864 |
| Loan loss allowance to noncurrent loans | 113.7097% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 5,902 |
| Noncurrent loans to loans | 0.9941% | 5,334 |
| Net loans and leases to total assets | 64.4290% | 4,238 |
| Net loans and leases to deposits | 78.0027% | 4,043 |
| Net loans and leases to core deposits | 79.3272% | 4,852 |
| Total domestic deposits to total assets | 82.5985% | 4,802 |
| Equity capital to assets | 16.3776% | 618 |
| Core capital (leverage) ratio | 15.9323% | 595 |
| Tier 1 risk-based capital ratio | 23.1519% | 1,048 |
| Total risk-based capital ratio | 24.2090% | 1,058 |
| Memoranda: | ||
| Average total assets | $19,527,500 | 7,732 |
| Average earning assets | $18,466,000 | 7,693 |
| Average equity | $3,103,000 | 7,466 |
| Average total loans | $12,862,500 | 7,503 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 5,951 |
| Cost of funding earning assets | 1.1023% | 6,970 |
| Net interest margin | 4.0292% | 2,748 |
| Noninterest income to average assets | 0.2950% | 6,003 |
| Noninterest expense to average assets | 2.9451% | 4,365 |
| Loan and lease loss provision to assets | 0.0518% | 7,049 |
| Net operating income to assets | 0.8540% | 2,336 |
| Return on assets (ROA) | 0.8540% | 2,413 |
| Pretax return on assets | 1.1387% | 2,132 |
| Return on Equity (ROE) | 5.3799% | 3,480 |
| Retained earnings to average equity (ytd only) | 2.1193% | 3,621 |
| Net charge-offs to loans | 0.0234% | 6,910 |
| Credit loss provision to net charge-offs | 333.3333% | 975 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 354 |
| Efficiency ratio | 71.2140% | 4,409 |
| Assets per employee ($millions) | 3.9826% | 3,848 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,892 |
| Loan loss allowance to noncurrent loans | 116.8000% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 5,897 |
| Noncurrent loans to loans | 0.9433% | 5,428 |
| Net loans and leases to total assets | 65.8113% | 4,202 |
| Net loans and leases to deposits | 84.8385% | 3,112 |
| Net loans and leases to core deposits | 94.8195% | 4,583 |
| Total domestic deposits to total assets | 77.5724% | 6,330 |
| Equity capital to assets | 15.4221% | 812 |
| Core capital (leverage) ratio | 15.5312% | 688 |
| Tier 1 risk-based capital ratio | 21.1895% | 1,262 |
| Total risk-based capital ratio | 22.2098% | 1,272 |
| Memoranda: | ||
| Average total assets | $19,320,000 | 7,793 |
| Average earning assets | $18,415,400 | 7,748 |
| Average equity | $3,067,000 | 7,570 |
| Average total loans | $12,822,600 | 7,558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1518% | 6,102 |
| Cost of funding earning assets | 1.1553% | 7,024 |
| Net interest margin | 3.9965% | 2,841 |
| Noninterest income to average assets | 0.2852% | 6,191 |
| Noninterest expense to average assets | 2.7818% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9945% | 2,083 |
| Return on assets (ROA) | 0.9945% | 2,143 |
| Pretax return on assets | 1.3283% | 1,883 |
| Return on Equity (ROE) | 6.2185% | 3,432 |
| Retained earnings to average equity (ytd only) | 6.2185% | 1,842 |
| Net charge-offs to loans | 0.0105% | 6,792 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 191.4737% | 203 |
| Efficiency ratio | 67.6819% | 5,047 |
| Assets per employee ($millions) | 3.8804% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,662 |
| Loan loss allowance to noncurrent loans | 117.9487% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,937 |
| Noncurrent loans to loans | 0.9416% | 5,414 |
| Net loans and leases to total assets | 63.3337% | 5,010 |
| Net loans and leases to deposits | 76.6611% | 4,945 |
| Net loans and leases to core deposits | 85.2860% | 5,941 |
| Total domestic deposits to total assets | 82.6152% | 4,393 |
| Equity capital to assets | 16.3385% | 735 |
| Core capital (leverage) ratio | 16.1843% | 647 |
| Tier 1 risk-based capital ratio | 23.4465% | 1,056 |
| Total risk-based capital ratio | 24.4872% | 1,051 |
| Memoranda: | ||
| Average total assets | $19,171,750 | 7,873 |
| Average earning assets | $18,349,000 | 7,829 |
| Average equity | $3,066,000 | 7,641 |
| Average total loans | $12,715,500 | 7,633 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 6,259 |
| Cost of funding earning assets | 1.2107% | 7,074 |
| Net interest margin | 3.9375% | 2,934 |
| Noninterest income to average assets | 0.2514% | 6,484 |
| Noninterest expense to average assets | 2.6499% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0579% | 1,919 |
| Return on assets (ROA) | 1.0579% | 1,995 |
| Pretax return on assets | 1.3826% | 1,779 |
| Return on Equity (ROE) | 6.6637% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.6637% | 1,714 |
| Net charge-offs to loans | 0.0156% | 6,310 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 299 |
| Efficiency ratio | 65.7143% | 5,596 |
| Assets per employee ($millions) | 3.2722% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,634 |
| Loan loss allowance to noncurrent loans | 121.0526% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 5,964 |
| Noncurrent loans to loans | 0.9050% | 5,407 |
| Net loans and leases to total assets | 63.4544% | 5,087 |
| Net loans and leases to deposits | 76.0144% | 5,174 |
| Net loans and leases to core deposits | 83.2031% | 6,145 |
| Total domestic deposits to total assets | 83.4768% | 4,024 |
| Equity capital to assets | 15.6522% | 895 |
| Core capital (leverage) ratio | 15.8931% | 758 |
| Tier 1 risk-based capital ratio | 22.7952% | 1,161 |
| Total risk-based capital ratio | 23.8205% | 1,149 |
| Memoranda: | ||
| Average total assets | $19,095,000 | 7,956 |
| Average earning assets | $18,336,330 | 7,906 |
| Average equity | $3,031,330 | 7,717 |
| Average total loans | $12,812,000 | 7,710 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 6,109 |
| Cost of funding earning assets | 1.2799% | 7,080 |
| Net interest margin | 3.9720% | 2,766 |
| Noninterest income to average assets | 0.2337% | 6,593 |
| Noninterest expense to average assets | 2.7196% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0199% | 2,232 |
| Return on assets (ROA) | 1.0199% | 2,369 |
| Pretax return on assets | 1.3386% | 2,154 |
| Return on Equity (ROE) | 6.3777% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.3777% | 2,469 |
| Net charge-offs to loans | 0.0619% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,019 |
| Efficiency ratio | 67.0157% | 5,141 |
| Assets per employee ($millions) | 3.1400% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 5,762 |
| Loan loss allowance to noncurrent loans | 81.0651% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 4,947 |
| Noncurrent loans to loans | 1.3059% | 4,364 |
| Net loans and leases to total assets | 67.9618% | 4,146 |
| Net loans and leases to deposits | 82.0191% | 4,281 |
| Net loans and leases to core deposits | 91.4833% | 5,408 |
| Total domestic deposits to total assets | 82.8609% | 4,211 |
| Equity capital to assets | 16.1253% | 854 |
| Core capital (leverage) ratio | 15.9159% | 794 |
| Tier 1 risk-based capital ratio | 23.5377% | 1,134 |
| Total risk-based capital ratio | 24.6076% | 1,126 |
| Memoranda: | ||
| Average total assets | $18,826,000 | 8,012 |
| Average earning assets | $18,127,000 | 7,959 |
| Average equity | $3,010,500 | 7,780 |
| Average total loans | $12,920,000 | 7,751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 5,507 |
| Cost of funding earning assets | 1.8720% | 6,819 |
| Net interest margin | 4.1369% | 2,553 |
| Noninterest income to average assets | 0.3476% | 5,957 |
| Noninterest expense to average assets | 3.1177% | 3,634 |
| Loan and lease loss provision to assets | 0.1604% | 5,327 |
| Net operating income to assets | 0.6631% | 4,049 |
| Return on assets (ROA) | 0.6631% | 3,896 |
| Pretax return on assets | 0.8984% | 3,727 |
| Return on Equity (ROE) | 4.1372% | 4,767 |
| Retained earnings to average equity (ytd only) | 0.8007% | 4,740 |
| Net charge-offs to loans | 0.5290% | 2,246 |
| Credit loss provision to net charge-offs | 45.4545% | 6,398 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 4,586 |
| Efficiency ratio | 74.6479% | 3,469 |
| Assets per employee ($millions) | 3.1353% | 5,664 |
| Cash dividends to net income (ytd only)* | 80.6452% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 5,436 |
| Loan loss allowance to noncurrent loans | 76.7956% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 4,425 |
| Noncurrent loans to loans | 1.4032% | 3,707 |
| Net loans and leases to total assets | 67.8290% | 4,488 |
| Net loans and leases to deposits | 85.3912% | 4,197 |
| Net loans and leases to core deposits | 96.9089% | 5,160 |
| Total domestic deposits to total assets | 79.4333% | 5,229 |
| Equity capital to assets | 15.8569% | 969 |
| Core capital (leverage) ratio | 15.4447% | 933 |
| Tier 1 risk-based capital ratio | 22.8154% | 1,217 |
| Total risk-based capital ratio | 23.8846% | 1,208 |
| Memoranda: | ||
| Average total assets | $18,699,600 | 8,058 |
| Average earning assets | $17,307,600 | 8,029 |
| Average equity | $2,997,200 | 7,841 |
| Average total loans | $12,475,200 | 7,805 |