Home > First National Bank in Tigerton > Performance and Condition Ratios
First National Bank in Tigerton, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 2,335 |
| Cost of funding earning assets | 1.1760% | 3,776 |
| Net interest margin | 4.2103% | 954 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 2.5071% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.7227% | 719 |
| Return on assets (ROA) | 1.7227% | 720 |
| Pretax return on assets | 1.7227% | 1,075 |
| Return on Equity (ROE) | 12.8200% | 1,532 |
| Retained earnings to average equity (ytd only) | 12.8242% | 650 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 59.2715% | 3,056 |
| Assets per employee ($millions) | 3.6653% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 3,970 |
| Loan loss allowance to noncurrent loans | 9,300.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,762 |
| Noncurrent loans to loans | 0.0081% | 3,709 |
| Net loans and leases to total assets | 42.0300% | 3,907 |
| Net loans and leases to deposits | 48.6520% | 3,908 |
| Net loans and leases to core deposits | 51.1156% | 3,958 |
| Total domestic deposits to total assets | 86.4000% | 2,151 |
| Equity capital to assets | 13.2938% | 855 |
| Core capital (leverage) ratio | 13.7680% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $28,559,000 | 4,351 |
| Average earning assets | $27,551,500 | 4,314 |
| Average equity | $3,836,500 | 4,308 |
| Average total loans | $12,505,000 | 4,287 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 1,699 |
| Cost of funding earning assets | 1.3201% | 3,642 |
| Net interest margin | 4.4116% | 733 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 2.8913% | 1,330 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.4617% | 967 |
| Return on assets (ROA) | 1.4617% | 963 |
| Pretax return on assets | 1.6114% | 1,102 |
| Return on Equity (ROE) | 11.1000% | 1,860 |
| Retained earnings to average equity (ytd only) | 3.3829% | 2,877 |
| Net charge-offs to loans | -0.0333% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.9086% | 2,730 |
| Assets per employee ($millions) | 3.4745% | 4,220 |
| Cash dividends to net income (ytd only)* | 69.5122% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 4,000 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 44.9700% | 3,852 |
| Net loans and leases to deposits | 52.1748% | 3,851 |
| Net loans and leases to core deposits | 54.9697% | 3,909 |
| Total domestic deposits to total assets | 86.1900% | 2,163 |
| Equity capital to assets | 13.5811% | 751 |
| Core capital (leverage) ratio | 13.6543% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $28,050,000 | 4,374 |
| Average earning assets | $27,042,600 | 4,337 |
| Average equity | $3,695,000 | 4,324 |
| Average total loans | $12,026,600 | 4,307 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 1,683 |
| Cost of funding earning assets | 1.3380% | 3,617 |
| Net interest margin | 4.3828% | 734 |
| Noninterest income to average assets | 0.2800% | 3,175 |
| Noninterest expense to average assets | 2.7080% | 1,656 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.6220% | 789 |
| Return on assets (ROA) | 1.6220% | 790 |
| Pretax return on assets | 1.7642% | 920 |
| Return on Equity (ROE) | 12.4100% | 1,510 |
| Retained earnings to average equity (ytd only) | 2.0680% | 3,445 |
| Net charge-offs to loans | -0.0449% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.1686% | 3,140 |
| Assets per employee ($millions) | 3.4544% | 4,251 |
| Cash dividends to net income (ytd only)* | 83.3333% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 4,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 44.8900% | 3,867 |
| Net loans and leases to deposits | 52.0190% | 3,886 |
| Net loans and leases to core deposits | 54.7871% | 3,935 |
| Total domestic deposits to total assets | 86.3000% | 1,824 |
| Equity capital to assets | 13.4141% | 852 |
| Core capital (leverage) ratio | 13.3614% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $28,113,500 | 4,402 |
| Average earning assets | $27,105,250 | 4,369 |
| Average equity | $3,675,000 | 4,351 |
| Average total loans | $11,885,250 | 4,338 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6816% | 1,632 |
| Cost of funding earning assets | 1.3140% | 3,600 |
| Net interest margin | 4.3677% | 730 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.6244% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.6765% | 709 |
| Return on assets (ROA) | 1.6765% | 705 |
| Pretax return on assets | 1.8817% | 761 |
| Return on Equity (ROE) | 12.9400% | 1,376 |
| Retained earnings to average equity (ytd only) | -2.6198% | 4,191 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.2418% | 3,365 |
| Assets per employee ($millions) | 3.5963% | 4,247 |
| Cash dividends to net income (ytd only)* | 120.2532% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6814% | 4,136 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.0500% | 3,979 |
| Net loans and leases to deposits | 48.1914% | 4,009 |
| Net loans and leases to core deposits | 50.6151% | 4,030 |
| Total domestic deposits to total assets | 87.2500% | 1,556 |
| Equity capital to assets | 12.5200% | 1,008 |
| Core capital (leverage) ratio | 12.8044% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $28,273,000 | 4,421 |
| Average earning assets | $27,245,667 | 4,389 |
| Average equity | $3,664,333 | 4,364 |
| Average total loans | $11,680,667 | 4,360 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 1,694 |
| Cost of funding earning assets | 1.2601% | 3,624 |
| Net interest margin | 4.2992% | 751 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 2.5977% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2989% | 1,233 |
| Return on assets (ROA) | 1.2989% | 1,244 |
| Pretax return on assets | 1.6271% | 1,053 |
| Return on Equity (ROE) | 9.8500% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.8498% | 1,146 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.4865% | 3,087 |
| Assets per employee ($millions) | 3.5883% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 4,053 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 39.0800% | 4,053 |
| Net loans and leases to deposits | 45.0826% | 4,062 |
| Net loans and leases to core deposits | 47.3631% | 4,133 |
| Total domestic deposits to total assets | 86.6800% | 1,879 |
| Equity capital to assets | 13.0321% | 852 |
| Core capital (leverage) ratio | 13.5489% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $28,024,500 | 4,454 |
| Average earning assets | $26,982,000 | 4,420 |
| Average equity | $3,695,500 | 4,386 |
| Average total loans | $11,431,000 | 4,387 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9562% | 2,160 |
| Cost of funding earning assets | 1.1038% | 3,062 |
| Net interest margin | 3.8524% | 1,468 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.7770% | 1,561 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0629% | 2,027 |
| Return on assets (ROA) | 1.0629% | 2,000 |
| Pretax return on assets | 1.1122% | 2,377 |
| Return on Equity (ROE) | 8.4900% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.2561% | 2,505 |
| Net charge-offs to loans | 0.2490% | 428 |
| Credit loss provision to net charge-offs | 92.8571% | 1,925 |
| Earnings coverage of net charge-offs (x) | 12.2143% | 2,157 |
| Efficiency ratio | 69.7613% | 1,912 |
| Assets per employee ($millions) | 3.4179% | 4,307 |
| Cash dividends to net income (ytd only)* | 38.0795% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,098 |
| 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 | 41.9800% | 3,965 |
| Net loans and leases to deposits | 48.5699% | 3,978 |
| Net loans and leases to core deposits | 51.1200% | 4,059 |
| Total domestic deposits to total assets | 86.4400% | 1,879 |
| Equity capital to assets | 13.3489% | 792 |
| Core capital (leverage) ratio | 13.4970% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $28,412,400 | 4,477 |
| Average earning assets | $27,541,200 | 4,433 |
| Average equity | $3,557,800 | 4,385 |
| Average total loans | $11,244,800 | 4,404 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 2,264 |
| Cost of funding earning assets | 1.0642% | 2,850 |
| Net interest margin | 3.7342% | 1,716 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.6266% | 1,861 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0739% | 2,135 |
| Return on assets (ROA) | 1.0739% | 2,124 |
| Pretax return on assets | 1.1297% | 2,482 |
| Return on Equity (ROE) | 8.7100% | 3,007 |
| Retained earnings to average equity (ytd only) | 4.3755% | 3,159 |
| Net charge-offs to loans | 0.3344% | 264 |
| Credit loss provision to net charge-offs | 71.4286% | 1,801 |
| Earnings coverage of net charge-offs (x) | 9.3929% | 2,166 |
| Efficiency ratio | 68.2367% | 1,990 |
| Assets per employee ($millions) | 3.3958% | 4,342 |
| Cash dividends to net income (ytd only)* | 49.7835% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 4,172 |
| 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 | 41.7100% | 4,000 |
| Net loans and leases to deposits | 48.1779% | 3,997 |
| Net loans and leases to core deposits | 50.7026% | 4,020 |
| Total domestic deposits to total assets | 86.5700% | 2,022 |
| Equity capital to assets | 13.1746% | 780 |
| Core capital (leverage) ratio | 13.0497% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $28,679,750 | 4,493 |
| Average earning assets | $27,814,000 | 4,454 |
| Average equity | $3,534,750 | 4,405 |
| Average total loans | $11,165,500 | 4,427 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 2,257 |
| Cost of funding earning assets | 0.9533% | 2,758 |
| Net interest margin | 3.7214% | 1,781 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.5630% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1650% | 1,934 |
| Return on assets (ROA) | 1.1650% | 1,928 |
| Pretax return on assets | 1.2335% | 2,277 |
| Return on Equity (ROE) | 9.6600% | 2,804 |
| Retained earnings to average equity (ytd only) | 4.5455% | 3,069 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.5090% | 2,045 |
| Assets per employee ($millions) | 3.1058% | 4,420 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 4,082 |
| 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 | 39.5300% | 4,056 |
| Net loans and leases to deposits | 45.3348% | 4,063 |
| Net loans and leases to core deposits | 47.6209% | 4,079 |
| Total domestic deposits to total assets | 87.1900% | 1,873 |
| Equity capital to assets | 12.6753% | 893 |
| Core capital (leverage) ratio | 12.3587% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $29,184,333 | 4,514 |
| Average earning assets | $28,323,000 | 4,479 |
| Average equity | $3,520,000 | 4,434 |
| Average total loans | $11,085,000 | 4,453 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 2,569 |
| Cost of funding earning assets | 0.7318% | 2,958 |
| Net interest margin | 3.6591% | 1,998 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.3624% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2215% | 1,880 |
| Return on assets (ROA) | 1.2215% | 1,844 |
| Pretax return on assets | 1.3288% | 2,091 |
| Return on Equity (ROE) | 10.3700% | 2,674 |
| Retained earnings to average equity (ytd only) | 10.3748% | 1,610 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0000% | 2,459 |
| Assets per employee ($millions) | 3.7229% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,133 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 36.6200% | 4,167 |
| Net loans and leases to deposits | 41.6320% | 4,176 |
| Net loans and leases to core deposits | 43.7054% | 4,182 |
| Total domestic deposits to total assets | 87.9700% | 1,935 |
| Equity capital to assets | 11.9330% | 1,015 |
| Core capital (leverage) ratio | 11.8779% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $29,800,500 | 4,576 |
| Average earning assets | $28,969,000 | 4,539 |
| Average equity | $3,508,500 | 4,498 |
| Average total loans | $11,060,500 | 4,519 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6912% | 4,408 |
| Cost of funding earning assets | 0.1932% | 3,815 |
| Net interest margin | 2.4980% | 4,291 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.3361% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3384% | 4,329 |
| Return on assets (ROA) | 0.3384% | 4,297 |
| Pretax return on assets | 0.3384% | 4,343 |
| Return on Equity (ROE) | 3.0400% | 4,288 |
| Retained earnings to average equity (ytd only) | 2.6244% | 3,815 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.3464% | 382 |
| Assets per employee ($millions) | 4.2597% | 4,168 |
| Cash dividends to net income (ytd only)* | 13.5922% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,107 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 37.0300% | 4,178 |
| Net loans and leases to deposits | 41.9121% | 4,181 |
| Net loans and leases to core deposits | 43.9873% | 4,178 |
| Total domestic deposits to total assets | 88.3600% | 1,944 |
| Equity capital to assets | 11.6138% | 1,047 |
| Core capital (leverage) ratio | 11.6431% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $30,435,200 | 4,607 |
| Average earning assets | $29,504,000 | 4,571 |
| Average equity | $3,391,200 | 4,582 |
| Average total loans | $10,692,800 | 4,549 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3073% | 4,530 |
| Cost of funding earning assets | 0.1124% | 4,177 |
| Net interest margin | 2.1949% | 4,467 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.1968% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1743% | 4,497 |
| Return on assets (ROA) | 0.1743% | 4,465 |
| Pretax return on assets | 0.1743% | 4,480 |
| Return on Equity (ROE) | 1.5800% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.5810% | 4,126 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.6471% | 264 |
| Assets per employee ($millions) | 3.8325% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,106 |
| 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 | 34.6600% | 4,283 |
| Net loans and leases to deposits | 39.0354% | 4,273 |
| Net loans and leases to core deposits | 40.8888% | 4,252 |
| Total domestic deposits to total assets | 88.7900% | 2,167 |
| Equity capital to assets | 11.1350% | 1,133 |
| Core capital (leverage) ratio | 10.8550% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $30,589,500 | 4,641 |
| Average earning assets | $29,644,000 | 4,605 |
| Average equity | $3,373,250 | 4,625 |
| Average total loans | $10,584,000 | 4,586 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0110% | 4,617 |
| Cost of funding earning assets | 0.0810% | 4,368 |
| Net interest margin | 1.9300% | 4,588 |
| Noninterest income to average assets | 0.2552% | 3,643 |
| Noninterest expense to average assets | 2.2051% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0785% | 4,610 |
| Return on assets (ROA) | -0.0785% | 4,581 |
| Pretax return on assets | -0.0785% | 4,568 |
| Return on Equity (ROE) | -0.7144% | 4,583 |
| Retained earnings to average equity (ytd only) | -0.7144% | 4,266 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6923% | 150 |
| Assets per employee ($millions) | 3.9286% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,193 |
| 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 | 34.1118% | 4,331 |
| Net loans and leases to deposits | 38.2183% | 4,327 |
| Net loans and leases to core deposits | 39.9769% | 4,319 |
| Total domestic deposits to total assets | 89.2551% | 2,068 |
| Equity capital to assets | 10.6971% | 1,359 |
| Core capital (leverage) ratio | 10.8026% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,566,000 | 4,674 |
| Average earning assets | $29,636,667 | 4,655 |
| Average equity | $3,359,667 | 4,671 |
| Average total loans | $10,541,333 | 4,650 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8781% | 4,648 |
| Cost of funding earning assets | 0.0823% | 4,331 |
| Net interest margin | 1.7959% | 4,621 |
| Noninterest income to average assets | 0.1593% | 4,200 |
| Noninterest expense to average assets | 2.3096% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4115% | 4,691 |
| Return on assets (ROA) | -0.4115% | 4,677 |
| Pretax return on assets | -0.4115% | 4,668 |
| Return on Equity (ROE) | -3.6921% | 4,680 |
| Retained earnings to average equity (ytd only) | -3.6921% | 4,352 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6783% | 83 |
| Assets per employee ($millions) | 4.4157% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 4,165 |
| Loan loss allowance to noncurrent loans | 212.5000% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 2,896 |
| Noncurrent loans to loans | 0.3965% | 2,071 |
| Net loans and leases to total assets | 32.3617% | 4,362 |
| Net loans and leases to deposits | 36.3085% | 4,374 |
| Net loans and leases to core deposits | 38.0125% | 4,372 |
| Total domestic deposits to total assets | 89.1297% | 2,014 |
| Equity capital to assets | 10.8153% | 1,430 |
| Core capital (leverage) ratio | 11.1448% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,134,500 | 4,702 |
| Average earning assets | $29,178,000 | 4,684 |
| Average equity | $3,358,500 | 4,700 |
| Average total loans | $10,409,000 | 4,674 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2098% | 4,619 |
| Cost of funding earning assets | 0.1094% | 4,312 |
| Net interest margin | 2.1004% | 4,543 |
| Noninterest income to average assets | 0.6864% | 1,809 |
| Noninterest expense to average assets | 2.3898% | 2,521 |
| Loan and lease loss provision to assets | 0.0073% | 2,940 |
| Net operating income to assets | 0.3123% | 4,407 |
| Return on assets (ROA) | 0.3123% | 4,428 |
| Pretax return on assets | 0.3123% | 4,484 |
| Return on Equity (ROE) | 2.5435% | 4,435 |
| Retained earnings to average equity (ytd only) | 0.9168% | 4,279 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2038% | 376 |
| Assets per employee ($millions) | 4.1941% | 4,328 |
| Cash dividends to net income (ytd only)* | 63.9535% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 4,277 |
| Loan loss allowance to noncurrent loans | 212.5000% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 2,987 |
| Noncurrent loans to loans | 0.3728% | 2,249 |
| Net loans and leases to total assets | 36.2580% | 4,276 |
| Net loans and leases to deposits | 40.9754% | 4,306 |
| Net loans and leases to core deposits | 43.0188% | 4,300 |
| Total domestic deposits to total assets | 88.4873% | 1,794 |
| Equity capital to assets | 11.4922% | 1,515 |
| Core capital (leverage) ratio | 11.9404% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,533,600 | 4,757 |
| Average earning assets | $26,518,600 | 4,736 |
| Average equity | $3,381,200 | 4,748 |
| Average total loans | $10,774,600 | 4,718 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2626% | 4,688 |
| Cost of funding earning assets | 0.1177% | 4,365 |
| Net interest margin | 2.1449% | 4,601 |
| Noninterest income to average assets | 0.7682% | 1,622 |
| Noninterest expense to average assets | 2.2946% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5367% | 4,127 |
| Return on assets (ROA) | 0.5367% | 4,171 |
| Pretax return on assets | 0.5367% | 4,321 |
| Return on Equity (ROE) | 4.2959% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.7047% | 3,677 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0435% | 697 |
| Assets per employee ($millions) | 3.9921% | 4,457 |
| Cash dividends to net income (ytd only)* | 13.7615% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 4,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 37.6847% | 4,313 |
| Net loans and leases to deposits | 42.9977% | 4,347 |
| Net loans and leases to core deposits | 45.2771% | 4,345 |
| Total domestic deposits to total assets | 87.6436% | 2,037 |
| Equity capital to assets | 12.2992% | 1,260 |
| Core capital (leverage) ratio | 12.1059% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,077,250 | 4,834 |
| Average earning assets | $26,046,000 | 4,808 |
| Average equity | $3,383,000 | 4,818 |
| Average total loans | $10,785,750 | 4,790 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3276% | 4,711 |
| Cost of funding earning assets | 0.1241% | 4,402 |
| Net interest margin | 2.2035% | 4,599 |
| Noninterest income to average assets | 0.3957% | 3,124 |
| Noninterest expense to average assets | 2.2771% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2389% | 4,596 |
| Return on assets (ROA) | 0.2389% | 4,609 |
| Pretax return on assets | 0.2389% | 4,644 |
| Return on Equity (ROE) | 1.9019% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.6048% | 4,220 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5045% | 330 |
| Assets per employee ($millions) | 3.9924% | 4,449 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,419 |
| Loan loss allowance to noncurrent loans | 202.4390% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 3,266 |
| Noncurrent loans to loans | 0.3795% | 2,535 |
| Net loans and leases to total assets | 38.3583% | 4,371 |
| Net loans and leases to deposits | 43.6429% | 4,398 |
| Net loans and leases to core deposits | 44.9853% | 4,429 |
| Total domestic deposits to total assets | 87.8914% | 1,891 |
| Equity capital to assets | 12.0585% | 1,334 |
| Core capital (leverage) ratio | 12.0568% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,788,000 | 4,869 |
| Average earning assets | $25,777,333 | 4,842 |
| Average equity | $3,365,000 | 4,855 |
| Average total loans | $10,843,000 | 4,826 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4456% | 4,692 |
| Cost of funding earning assets | 0.1270% | 4,482 |
| Net interest margin | 2.3186% | 4,507 |
| Noninterest income to average assets | 0.7784% | 1,641 |
| Noninterest expense to average assets | 2.3351% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6715% | 3,778 |
| Return on assets (ROA) | 0.6715% | 3,848 |
| Pretax return on assets | 0.6715% | 4,077 |
| Return on Equity (ROE) | 5.2342% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.6394% | 3,330 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6650% | 979 |
| Assets per employee ($millions) | 3.9843% | 4,486 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,482 |
| Loan loss allowance to noncurrent loans | 1,037.5000% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,155 |
| Noncurrent loans to loans | 0.0725% | 3,929 |
| Net loans and leases to total assets | 39.2542% | 4,375 |
| Net loans and leases to deposits | 44.7003% | 4,400 |
| Net loans and leases to core deposits | 46.0794% | 4,437 |
| Total domestic deposits to total assets | 87.8164% | 1,931 |
| Equity capital to assets | 12.1262% | 1,233 |
| Core capital (leverage) ratio | 12.8897% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,208,500 | 4,899 |
| Average earning assets | $25,188,000 | 4,875 |
| Average equity | $3,362,500 | 4,878 |
| Average total loans | $10,863,000 | 4,848 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0762% | 4,581 |
| Cost of funding earning assets | 0.2513% | 4,365 |
| Net interest margin | 2.8249% | 4,225 |
| Noninterest income to average assets | 0.3574% | 3,328 |
| Noninterest expense to average assets | 2.8012% | 1,940 |
| Loan and lease loss provision to assets | 0.0042% | 4,289 |
| Net operating income to assets | 0.1787% | 4,601 |
| Return on assets (ROA) | 0.1787% | 4,655 |
| Pretax return on assets | 0.2618% | 4,592 |
| Return on Equity (ROE) | 1.2881% | 4,650 |
| Retained earnings to average equity (ytd only) | 0.4493% | 4,381 |
| Net charge-offs to loans | -0.0095% | 4,253 |
| Credit loss provision to net charge-offs | -100.0000% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3279% | 330 |
| Assets per employee ($millions) | 3.5039% | 4,648 |
| Cash dividends to net income (ytd only)* | 65.1163% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 4,472 |
| Loan loss allowance to noncurrent loans | 1,185.7143% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,221 |
| Noncurrent loans to loans | 0.0655% | 4,031 |
| Net loans and leases to total assets | 43.2666% | 4,289 |
| Net loans and leases to deposits | 50.1110% | 4,312 |
| Net loans and leases to core deposits | 51.8899% | 4,346 |
| Total domestic deposits to total assets | 86.3416% | 2,213 |
| Equity capital to assets | 13.6299% | 891 |
| Core capital (leverage) ratio | 13.7566% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,061,400 | 4,929 |
| Average earning assets | $23,080,400 | 4,898 |
| Average equity | $3,338,200 | 4,892 |
| Average total loans | $10,474,800 | 4,886 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2063% | 4,581 |
| Cost of funding earning assets | 0.2846% | 4,373 |
| Net interest margin | 2.9217% | 4,140 |
| Noninterest income to average assets | 0.3619% | 3,295 |
| Noninterest expense to average assets | 2.8453% | 1,834 |
| Loan and lease loss provision to assets | 0.0042% | 4,216 |
| Net operating income to assets | 0.2116% | 4,569 |
| Return on assets (ROA) | 0.2116% | 4,614 |
| Pretax return on assets | 0.3118% | 4,530 |
| Return on Equity (ROE) | 1.5183% | 4,617 |
| Retained earnings to average equity (ytd only) | 0.3996% | 4,404 |
| Net charge-offs to loans | -0.0128% | 4,288 |
| Credit loss provision to net charge-offs | -100.0000% | 3,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9648% | 363 |
| Assets per employee ($millions) | 3.5429% | 4,642 |
| Cash dividends to net income (ytd only)* | 73.6842% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 4,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 42.3750% | 4,486 |
| Net loans and leases to deposits | 49.0067% | 4,517 |
| Net loans and leases to core deposits | 50.7167% | 4,560 |
| Total domestic deposits to total assets | 86.4677% | 1,874 |
| Equity capital to assets | 13.4597% | 1,013 |
| Core capital (leverage) ratio | 13.5658% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,945,000 | 4,958 |
| Average earning assets | $22,954,000 | 4,930 |
| Average equity | $3,337,000 | 4,920 |
| Average total loans | $10,419,750 | 4,918 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4094% | 4,530 |
| Cost of funding earning assets | 0.3268% | 4,375 |
| Net interest margin | 3.0826% | 3,939 |
| Noninterest income to average assets | 0.3635% | 3,304 |
| Noninterest expense to average assets | 2.8825% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3043% | 4,412 |
| Return on assets (ROA) | 0.3043% | 4,458 |
| Pretax return on assets | 0.4311% | 4,371 |
| Return on Equity (ROE) | 2.1578% | 4,502 |
| Retained earnings to average equity (ytd only) | 1.5584% | 3,916 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9898% | 499 |
| Assets per employee ($millions) | 3.5237% | 4,649 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 4,490 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,477 |
| Noncurrent loans to loans | 0.0365% | 4,332 |
| Net loans and leases to total assets | 44.1255% | 4,447 |
| Net loans and leases to deposits | 51.1106% | 4,483 |
| Net loans and leases to core deposits | 52.9069% | 4,530 |
| Total domestic deposits to total assets | 86.3334% | 1,877 |
| Equity capital to assets | 13.5977% | 959 |
| Core capital (leverage) ratio | 13.5806% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,660,000 | 4,988 |
| Average earning assets | $22,643,333 | 4,963 |
| Average equity | $3,336,667 | 4,950 |
| Average total loans | $10,362,333 | 4,952 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 4,483 |
| Cost of funding earning assets | 0.3983% | 4,364 |
| Net interest margin | 3.2411% | 3,748 |
| Noninterest income to average assets | 0.3109% | 3,655 |
| Noninterest expense to average assets | 3.3856% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1555% | 4,831 |
| Return on assets (ROA) | -0.1555% | 4,809 |
| Pretax return on assets | 0.0173% | 4,721 |
| Return on Equity (ROE) | -1.0817% | 4,806 |
| Retained earnings to average equity (ytd only) | -2.2837% | 4,282 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4924% | 243 |
| Assets per employee ($millions) | 3.0253% | 4,783 |
| Cash dividends to net income (ytd only)* | -111.1111% | 5,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 4,425 |
| Loan loss allowance to noncurrent loans | 279.3103% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,027 |
| Noncurrent loans to loans | 0.2850% | 3,472 |
| Net loans and leases to total assets | 41.7032% | 4,603 |
| Net loans and leases to deposits | 48.3543% | 4,645 |
| Net loans and leases to core deposits | 50.0893% | 4,676 |
| Total domestic deposits to total assets | 86.2449% | 1,898 |
| Equity capital to assets | 13.6724% | 1,156 |
| Core capital (leverage) ratio | 14.0271% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,157,000 | 5,034 |
| Average earning assets | $22,091,500 | 5,013 |
| Average equity | $3,328,000 | 4,999 |
| Average total loans | $10,061,000 | 4,998 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 4,493 |
| Cost of funding earning assets | 0.4104% | 4,411 |
| Net interest margin | 3.4508% | 3,589 |
| Noninterest income to average assets | 0.3156% | 3,807 |
| Noninterest expense to average assets | 3.2064% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3745% | 4,644 |
| Return on assets (ROA) | 0.3745% | 4,671 |
| Pretax return on assets | 0.3997% | 4,707 |
| Return on Equity (ROE) | 2.6502% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.1191% | 4,653 |
| Net charge-offs to loans | -0.0189% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9148% | 397 |
| Assets per employee ($millions) | 2.4569% | 5,008 |
| Cash dividends to net income (ytd only)* | 95.5056% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 4,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 44.6228% | 4,574 |
| Net loans and leases to deposits | 52.6016% | 4,588 |
| Net loans and leases to core deposits | 54.7103% | 4,629 |
| Total domestic deposits to total assets | 84.8318% | 2,561 |
| Equity capital to assets | 15.1366% | 762 |
| Core capital (leverage) ratio | 14.6650% | 756 |
| Tier 1 risk-based capital ratio | 40.5648% | 237 |
| Total risk-based capital ratio | 41.5465% | 235 |
| Memoranda: | ||
| Average total assets | $23,765,200 | 5,086 |
| Average earning assets | $22,661,600 | 5,066 |
| Average equity | $3,358,200 | 5,051 |
| Average total loans | $10,558,200 | 5,051 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 4,653 |
| Cost of funding earning assets | 0.4048% | 4,488 |
| Net interest margin | 3.4123% | 3,834 |
| Noninterest income to average assets | 0.2922% | 3,988 |
| Noninterest expense to average assets | 3.1046% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4080% | 4,708 |
| Return on assets (ROA) | 0.4080% | 4,734 |
| Pretax return on assets | 0.4411% | 4,760 |
| Return on Equity (ROE) | 2.9354% | 4,775 |
| Retained earnings to average equity (ytd only) | 1.1506% | 4,526 |
| Net charge-offs to loans | -0.0124% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5583% | 423 |
| Assets per employee ($millions) | 2.6056% | 5,047 |
| Cash dividends to net income (ytd only)* | 60.8149% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 4,548 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 3,631 |
| Noncurrent loans to loans | 0.5147% | 2,744 |
| Net loans and leases to total assets | 45.2239% | 4,643 |
| Net loans and leases to deposits | 52.8928% | 4,675 |
| Net loans and leases to core deposits | 54.7016% | 4,723 |
| Total domestic deposits to total assets | 85.5011% | 2,210 |
| Equity capital to assets | 14.3795% | 1,013 |
| Core capital (leverage) ratio | 14.4833% | 863 |
| Tier 1 risk-based capital ratio | 42.0869% | 211 |
| Total risk-based capital ratio | 43.0854% | 212 |
| Memoranda: | ||
| Average total assets | $24,178,500 | 5,159 |
| Average earning assets | $23,053,500 | 5,139 |
| Average equity | $3,361,000 | 5,127 |
| Average total loans | $10,710,750 | 5,127 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 4,712 |
| Cost of funding earning assets | 0.4002% | 4,510 |
| Net interest margin | 3.3971% | 3,904 |
| Noninterest income to average assets | 0.2866% | 4,024 |
| Noninterest expense to average assets | 2.9564% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5487% | 4,424 |
| Return on assets (ROA) | 0.5487% | 4,461 |
| Pretax return on assets | 0.5978% | 4,545 |
| Return on Equity (ROE) | 3.9913% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.9063% | 4,142 |
| Net charge-offs to loans | -0.0187% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1797% | 715 |
| Assets per employee ($millions) | 2.6816% | 5,067 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7438% | 4,616 |
| Loan loss allowance to noncurrent loans | 93.0233% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,110 |
| Noncurrent loans to loans | 0.7996% | 1,998 |
| Net loans and leases to total assets | 44.2363% | 4,716 |
| Net loans and leases to deposits | 51.4779% | 4,758 |
| Net loans and leases to core deposits | 53.1779% | 4,799 |
| Total domestic deposits to total assets | 85.9327% | 2,066 |
| Equity capital to assets | 13.9803% | 1,128 |
| Core capital (leverage) ratio | 13.6202% | 1,070 |
| Tier 1 risk-based capital ratio | 41.4293% | 217 |
| Total risk-based capital ratio | 42.4116% | 216 |
| Memoranda: | ||
| Average total assets | $24,421,330 | 5,205 |
| Average earning assets | $23,490,330 | 5,181 |
| Average equity | $3,357,330 | 5,165 |
| Average total loans | $10,719,330 | 5,171 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,741 |
| Cost of funding earning assets | 0.3895% | 4,532 |
| Net interest margin | 3.3868% | 3,923 |
| Noninterest income to average assets | 0.2605% | 4,147 |
| Noninterest expense to average assets | 3.0124% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4071% | 4,713 |
| Return on assets (ROA) | 0.4071% | 4,728 |
| Pretax return on assets | 0.5048% | 4,672 |
| Return on Equity (ROE) | 2.9860% | 4,787 |
| Retained earnings to average equity (ytd only) | 1.7916% | 4,117 |
| Net charge-offs to loans | -0.0374% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6481% | 607 |
| Assets per employee ($millions) | 2.5857% | 5,157 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 4,660 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,422 |
| Noncurrent loans to loans | 0.1875% | 3,914 |
| Net loans and leases to total assets | 40.9367% | 4,864 |
| Net loans and leases to deposits | 47.0905% | 4,894 |
| Net loans and leases to core deposits | 48.5217% | 4,927 |
| Total domestic deposits to total assets | 86.9320% | 1,851 |
| Equity capital to assets | 12.9829% | 1,464 |
| Core capital (leverage) ratio | 13.7802% | 1,005 |
| Tier 1 risk-based capital ratio | 42.8900% | 188 |
| Total risk-based capital ratio | 43.9121% | 187 |
| Memoranda: | ||
| Average total assets | $24,565,000 | 5,260 |
| Average earning assets | $23,621,000 | 5,233 |
| Average equity | $3,349,000 | 5,218 |
| Average total loans | $10,701,000 | 5,233 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,939 |
| Cost of funding earning assets | 0.3235% | 4,444 |
| Net interest margin | 3.1565% | 4,564 |
| Noninterest income to average assets | 0.3536% | 3,737 |
| Noninterest expense to average assets | 3.0559% | 1,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3367% | 4,966 |
| Return on assets (ROA) | 0.3367% | 4,958 |
| Pretax return on assets | 0.3367% | 5,015 |
| Return on Equity (ROE) | 2.4069% | 4,990 |
| Retained earnings to average equity (ytd only) | 1.1433% | 4,667 |
| Net charge-offs to loans | 0.0370% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 2,023 |
| Efficiency ratio | 90.0744% | 339 |
| Assets per employee ($millions) | 2.5859% | 5,184 |
| Cash dividends to net income (ytd only)* | 52.5000% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 4,718 |
| Loan loss allowance to noncurrent loans | 395.0000% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,389 |
| Noncurrent loans to loans | 0.1863% | 3,908 |
| Net loans and leases to total assets | 45.7956% | 4,747 |
| Net loans and leases to deposits | 53.5201% | 4,771 |
| Net loans and leases to core deposits | 55.3634% | 4,802 |
| Total domestic deposits to total assets | 85.5670% | 2,411 |
| Equity capital to assets | 14.3557% | 876 |
| Core capital (leverage) ratio | 15.6173% | 578 |
| Tier 1 risk-based capital ratio | 44.3339% | 182 |
| Total risk-based capital ratio | 45.3822% | 182 |
| Memoranda: | ||
| Average total assets | $23,757,600 | 5,309 |
| Average earning assets | $22,873,400 | 5,287 |
| Average equity | $3,323,800 | 5,255 |
| Average total loans | $10,820,400 | 5,272 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 5,005 |
| Cost of funding earning assets | 0.2961% | 4,549 |
| Net interest margin | 3.1296% | 4,655 |
| Noninterest income to average assets | 0.4076% | 3,438 |
| Noninterest expense to average assets | 2.9705% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4467% | 4,861 |
| Return on assets (ROA) | 0.4467% | 4,867 |
| Pretax return on assets | 0.4467% | 4,973 |
| Return on Equity (ROE) | 3.2131% | 4,975 |
| Retained earnings to average equity (ytd only) | 1.5264% | 4,717 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9281% | 464 |
| Assets per employee ($millions) | 2.5821% | 5,263 |
| Cash dividends to net income (ytd only)* | 52.5033% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 4,727 |
| Loan loss allowance to noncurrent loans | 1,660.0000% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 4,068 |
| Noncurrent loans to loans | 0.0459% | 4,692 |
| Net loans and leases to total assets | 46.4779% | 4,779 |
| Net loans and leases to deposits | 54.3365% | 4,810 |
| Net loans and leases to core deposits | 56.1967% | 4,842 |
| Total domestic deposits to total assets | 85.5372% | 2,380 |
| Equity capital to assets | 14.3767% | 860 |
| Core capital (leverage) ratio | 14.5021% | 822 |
| Tier 1 risk-based capital ratio | 43.5764% | 183 |
| Total risk-based capital ratio | 44.6589% | 182 |
| Memoranda: | ||
| Average total assets | $23,878,750 | 5,378 |
| Average earning assets | $22,963,000 | 5,357 |
| Average equity | $3,319,500 | 5,325 |
| Average total loans | $10,841,250 | 5,333 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 5,116 |
| Cost of funding earning assets | 0.2678% | 4,648 |
| Net interest margin | 3.0578% | 4,799 |
| Noninterest income to average assets | 0.3736% | 3,657 |
| Noninterest expense to average assets | 2.7561% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5562% | 4,614 |
| Return on assets (ROA) | 0.5562% | 4,614 |
| Pretax return on assets | 0.5562% | 4,804 |
| Return on Equity (ROE) | 4.0455% | 4,811 |
| Retained earnings to average equity (ytd only) | 1.8114% | 4,518 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2080% | 744 |
| Assets per employee ($millions) | 2.3630% | 5,371 |
| Cash dividends to net income (ytd only)* | 55.2239% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 4,821 |
| Loan loss allowance to noncurrent loans | 1,660.0000% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 4,116 |
| Noncurrent loans to loans | 0.0453% | 4,716 |
| Net loans and leases to total assets | 46.3182% | 4,810 |
| Net loans and leases to deposits | 53.9721% | 4,847 |
| Net loans and leases to core deposits | 55.7821% | 4,874 |
| Total domestic deposits to total assets | 85.8189% | 2,360 |
| Equity capital to assets | 14.1092% | 906 |
| Core capital (leverage) ratio | 13.7797% | 968 |
| Tier 1 risk-based capital ratio | 41.6854% | 209 |
| Total risk-based capital ratio | 42.7232% | 210 |
| Memoranda: | ||
| Average total assets | $24,092,000 | 5,439 |
| Average earning assets | $23,154,000 | 5,416 |
| Average equity | $3,312,330 | 5,386 |
| Average total loans | $10,827,000 | 5,393 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 5,203 |
| Cost of funding earning assets | 0.2399% | 4,765 |
| Net interest margin | 2.9992% | 4,885 |
| Noninterest income to average assets | 0.4276% | 3,264 |
| Noninterest expense to average assets | 2.9437% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3618% | 4,994 |
| Return on assets (ROA) | 0.3618% | 5,000 |
| Pretax return on assets | 0.3618% | 5,084 |
| Return on Equity (ROE) | 2.6655% | 5,081 |
| Retained earnings to average equity (ytd only) | -0.3635% | 4,844 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0547% | 484 |
| Assets per employee ($millions) | 2.7727% | 5,298 |
| Cash dividends to net income (ytd only)* | 113.6364% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 4,365 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 41.2920% | 5,010 |
| Net loans and leases to deposits | 47.6243% | 5,050 |
| Net loans and leases to core deposits | 49.1158% | 5,064 |
| Total domestic deposits to total assets | 86.7035% | 2,238 |
| Equity capital to assets | 13.2243% | 1,145 |
| Core capital (leverage) ratio | 13.6290% | 969 |
| Tier 1 risk-based capital ratio | 43.0585% | 194 |
| Total risk-based capital ratio | 44.1414% | 191 |
| Memoranda: | ||
| Average total assets | $24,323,000 | 5,494 |
| Average earning assets | $23,339,500 | 5,475 |
| Average equity | $3,301,500 | 5,443 |
| Average total loans | $10,726,500 | 5,460 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1468% | 5,243 |
| Cost of funding earning assets | 0.2011% | 4,945 |
| Net interest margin | 2.9457% | 4,980 |
| Noninterest income to average assets | 0.4251% | 3,473 |
| Noninterest expense to average assets | 2.9760% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2663% | 4,993 |
| Return on assets (ROA) | 0.2663% | 5,012 |
| Pretax return on assets | 0.2791% | 5,228 |
| Return on Equity (ROE) | 1.8873% | 5,080 |
| Retained earnings to average equity (ytd only) | 0.8219% | 4,702 |
| Net charge-offs to loans | 0.0185% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,461 |
| Efficiency ratio | 91.4248% | 367 |
| Assets per employee ($millions) | 2.9615% | 5,222 |
| Cash dividends to net income (ytd only)* | 56.4516% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,379 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 46.3574% | 4,867 |
| Net loans and leases to deposits | 53.8884% | 4,905 |
| Net loans and leases to core deposits | 55.6834% | 4,947 |
| Total domestic deposits to total assets | 86.0248% | 2,423 |
| Equity capital to assets | 13.9414% | 930 |
| Core capital (leverage) ratio | 13.9039% | 856 |
| Tier 1 risk-based capital ratio | 41.1230% | 200 |
| Total risk-based capital ratio | 42.1564% | 199 |
| Memoranda: | ||
| Average total assets | $23,286,200 | 5,567 |
| Average earning assets | $22,371,800 | 5,538 |
| Average equity | $3,285,200 | 5,501 |
| Average total loans | $10,812,000 | 5,521 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1126% | 5,323 |
| Cost of funding earning assets | 0.1852% | 5,095 |
| Net interest margin | 2.9275% | 5,055 |
| Noninterest income to average assets | 0.4371% | 3,427 |
| Noninterest expense to average assets | 2.9501% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2876% | 5,239 |
| Return on assets (ROA) | 0.2876% | 5,262 |
| Pretax return on assets | 0.3048% | 5,307 |
| Return on Equity (ROE) | 2.0322% | 5,302 |
| Retained earnings to average equity (ytd only) | 0.6096% | 5,087 |
| Net charge-offs to loans | 0.0248% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 26.4644% | 1,682 |
| Efficiency ratio | 90.6360% | 388 |
| Assets per employee ($millions) | 2.6387% | 5,472 |
| Cash dividends to net income (ytd only)* | 70.0015% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 5,055 |
| Loan loss allowance to noncurrent loans | 230.5556% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 4,512 |
| Noncurrent loans to loans | 0.3195% | 3,805 |
| Net loans and leases to total assets | 47.0987% | 4,878 |
| Net loans and leases to deposits | 54.7238% | 4,933 |
| Net loans and leases to core deposits | 55.8329% | 5,005 |
| Total domestic deposits to total assets | 86.0662% | 2,283 |
| Equity capital to assets | 13.8580% | 1,034 |
| Core capital (leverage) ratio | 14.0960% | 872 |
| Tier 1 risk-based capital ratio | 38.7268% | 240 |
| Total risk-based capital ratio | 39.7035% | 240 |
| Memoranda: | ||
| Average total assets | $23,184,750 | 5,633 |
| Average earning assets | $22,317,000 | 5,603 |
| Average equity | $3,280,750 | 5,565 |
| Average total loans | $10,748,500 | 5,582 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0534% | 5,395 |
| Cost of funding earning assets | 0.1536% | 5,320 |
| Net interest margin | 2.8998% | 5,096 |
| Noninterest income to average assets | 0.4609% | 3,280 |
| Noninterest expense to average assets | 2.8438% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3827% | 5,014 |
| Return on assets (ROA) | 0.3827% | 5,043 |
| Pretax return on assets | 0.4087% | 5,164 |
| Return on Equity (ROE) | 2.6851% | 5,202 |
| Retained earnings to average equity (ytd only) | 0.8544% | 4,880 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4332% | 583 |
| Assets per employee ($millions) | 2.5973% | 5,512 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,987 |
| Loan loss allowance to noncurrent loans | 223.6842% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 4,532 |
| Noncurrent loans to loans | 0.3505% | 3,777 |
| Net loans and leases to total assets | 46.0130% | 4,952 |
| Net loans and leases to deposits | 53.5711% | 4,982 |
| Net loans and leases to core deposits | 55.4062% | 5,025 |
| Total domestic deposits to total assets | 85.8915% | 2,421 |
| Equity capital to assets | 14.0743% | 935 |
| Core capital (leverage) ratio | 14.0851% | 839 |
| Tier 1 risk-based capital ratio | 40.4078% | 206 |
| Total risk-based capital ratio | 41.4517% | 204 |
| Memoranda: | ||
| Average total assets | $22,997,000 | 5,681 |
| Average earning assets | $22,139,330 | 5,651 |
| Average equity | $3,277,330 | 5,611 |
| Average total loans | $10,575,330 | 5,633 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0452% | 5,415 |
| Cost of funding earning assets | 0.1459% | 5,404 |
| Net interest margin | 2.8993% | 5,086 |
| Noninterest income to average assets | 0.4735% | 3,164 |
| Noninterest expense to average assets | 2.9639% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2806% | 5,244 |
| Return on assets (ROA) | 0.2806% | 5,257 |
| Pretax return on assets | 0.2981% | 5,312 |
| Return on Equity (ROE) | 1.9566% | 5,342 |
| Retained earnings to average equity (ytd only) | -1.1006% | 5,082 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8602% | 514 |
| Assets per employee ($millions) | 2.6621% | 5,565 |
| Cash dividends to net income (ytd only)* | 156.2500% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 5,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 42.8065% | 5,117 |
| Net loans and leases to deposits | 49.5938% | 5,155 |
| Net loans and leases to core deposits | 51.2416% | 5,176 |
| Total domestic deposits to total assets | 86.3141% | 2,528 |
| Equity capital to assets | 13.6358% | 1,027 |
| Core capital (leverage) ratio | 14.5381% | 700 |
| Tier 1 risk-based capital ratio | 41.7561% | 201 |
| Total risk-based capital ratio | 42.8425% | 203 |
| Memoranda: | ||
| Average total assets | $22,807,500 | 5,758 |
| Average earning assets | $21,936,000 | 5,718 |
| Average equity | $3,271,000 | 5,675 |
| Average total loans | $10,442,500 | 5,697 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2121% | 5,282 |
| Cost of funding earning assets | 0.1443% | 5,459 |
| Net interest margin | 3.0678% | 4,805 |
| Noninterest income to average assets | 0.5299% | 3,030 |
| Noninterest expense to average assets | 3.0967% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3687% | 5,036 |
| Return on assets (ROA) | 0.3687% | 5,119 |
| Pretax return on assets | 0.3733% | 5,260 |
| Return on Equity (ROE) | 2.4600% | 5,300 |
| Retained earnings to average equity (ytd only) | 1.5683% | 4,630 |
| Net charge-offs to loans | 0.0384% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,862 |
| Efficiency ratio | 89.2430% | 603 |
| Assets per employee ($millions) | 2.4062% | 5,705 |
| Cash dividends to net income (ytd only)* | 36.2500% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 5,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 48.2961% | 4,872 |
| Net loans and leases to deposits | 56.9228% | 4,860 |
| Net loans and leases to core deposits | 57.7335% | 4,981 |
| Total domestic deposits to total assets | 84.8448% | 3,114 |
| Equity capital to assets | 15.1228% | 624 |
| Core capital (leverage) ratio | 15.3460% | 553 |
| Tier 1 risk-based capital ratio | 41.5398% | 205 |
| Total risk-based capital ratio | 42.6180% | 204 |
| Memoranda: | ||
| Average total assets | $21,700,800 | 5,821 |
| Average earning assets | $20,796,400 | 5,793 |
| Average equity | $3,252,000 | 5,732 |
| Average total loans | $10,406,000 | 5,759 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 5,492 |
| Cost of funding earning assets | 0.1410% | 5,538 |
| Net interest margin | 2.9366% | 5,117 |
| Noninterest income to average assets | 0.4974% | 3,267 |
| Noninterest expense to average assets | 2.9353% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3685% | 5,119 |
| Return on assets (ROA) | 0.3685% | 5,206 |
| Pretax return on assets | 0.3746% | 5,348 |
| Return on Equity (ROE) | 2.4644% | 5,362 |
| Retained earnings to average equity (ytd only) | 1.2732% | 5,002 |
| Net charge-offs to loans | 0.0514% | 2,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.2589% | 2,190 |
| Efficiency ratio | 88.6827% | 634 |
| Assets per employee ($millions) | 2.3768% | 5,779 |
| Cash dividends to net income (ytd only)* | 48.3375% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 5,076 |
| Loan loss allowance to noncurrent loans | 59.4406% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 2,903 |
| Noncurrent loans to loans | 1.4114% | 1,550 |
| Net loans and leases to total assets | 46.9684% | 5,023 |
| Net loans and leases to deposits | 55.4470% | 5,028 |
| Net loans and leases to core deposits | 56.2479% | 5,140 |
| Total domestic deposits to total assets | 84.7085% | 2,941 |
| Equity capital to assets | 15.2167% | 688 |
| Core capital (leverage) ratio | 15.4720% | 559 |
| Tier 1 risk-based capital ratio | 42.2398% | 201 |
| Total risk-based capital ratio | 43.3428% | 200 |
| Memoranda: | ||
| Average total assets | $21,712,000 | 5,884 |
| Average earning assets | $20,794,750 | 5,852 |
| Average equity | $3,246,250 | 5,795 |
| Average total loans | $10,371,500 | 5,821 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0474% | 5,602 |
| Cost of funding earning assets | 0.1433% | 5,591 |
| Net interest margin | 2.9041% | 5,259 |
| Noninterest income to average assets | 0.4400% | 3,591 |
| Noninterest expense to average assets | 2.7774% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4400% | 4,903 |
| Return on assets (ROA) | 0.4400% | 4,990 |
| Pretax return on assets | 0.4491% | 5,248 |
| Return on Equity (ROE) | 2.9599% | 5,255 |
| Retained earnings to average equity (ytd only) | 1.7883% | 4,660 |
| Net charge-offs to loans | 0.0765% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 2,195 |
| Efficiency ratio | 86.0795% | 876 |
| Assets per employee ($millions) | 2.4302% | 5,817 |
| Cash dividends to net income (ytd only)* | 39.5833% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 5,198 |
| Loan loss allowance to noncurrent loans | 58.2192% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 3,002 |
| Noncurrent loans to loans | 1.4243% | 1,559 |
| Net loans and leases to total assets | 46.4795% | 5,099 |
| Net loans and leases to deposits | 54.6354% | 5,098 |
| Net loans and leases to core deposits | 55.4005% | 5,207 |
| Total domestic deposits to total assets | 85.0722% | 2,840 |
| Equity capital to assets | 14.8729% | 762 |
| Core capital (leverage) ratio | 15.0693% | 597 |
| Tier 1 risk-based capital ratio | 42.9552% | 197 |
| Total risk-based capital ratio | 44.0776% | 195 |
| Memoranda: | ||
| Average total assets | $21,819,000 | 5,955 |
| Average earning assets | $20,936,000 | 5,921 |
| Average equity | $3,243,330 | 5,861 |
| Average total loans | $10,451,330 | 5,892 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,399 |
| Cost of funding earning assets | 0.1342% | 5,724 |
| Net interest margin | 3.1252% | 4,797 |
| Noninterest income to average assets | 0.4038% | 3,802 |
| Noninterest expense to average assets | 2.6798% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6975% | 3,729 |
| Return on assets (ROA) | 0.6975% | 3,842 |
| Pretax return on assets | 0.7158% | 4,474 |
| Return on Equity (ROE) | 4.6935% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.5819% | 3,704 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9189% | 1,767 |
| Assets per employee ($millions) | 2.4822% | 5,855 |
| Cash dividends to net income (ytd only)* | 23.6842% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 5,162 |
| Loan loss allowance to noncurrent loans | 269.6970% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,982 |
| Noncurrent loans to loans | 0.3214% | 4,279 |
| Net loans and leases to total assets | 45.5551% | 5,150 |
| Net loans and leases to deposits | 53.3582% | 5,143 |
| Net loans and leases to core deposits | 54.0869% | 5,250 |
| Total domestic deposits to total assets | 85.3760% | 2,968 |
| Equity capital to assets | 14.5613% | 821 |
| Core capital (leverage) ratio | 14.9715% | 607 |
| Tier 1 risk-based capital ratio | 41.8715% | 209 |
| Total risk-based capital ratio | 43.0171% | 209 |
| Memoranda: | ||
| Average total assets | $21,792,500 | 6,015 |
| Average earning assets | $20,862,500 | 5,986 |
| Average equity | $3,238,500 | 5,917 |
| Average total loans | $10,551,500 | 5,951 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 5,032 |
| Cost of funding earning assets | 0.1268% | 5,843 |
| Net interest margin | 3.3309% | 4,180 |
| Noninterest income to average assets | 0.5020% | 3,320 |
| Noninterest expense to average assets | 3.0586% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6427% | 4,069 |
| Return on assets (ROA) | 0.6427% | 4,159 |
| Pretax return on assets | 0.6474% | 4,681 |
| Return on Equity (ROE) | 4.3106% | 4,814 |
| Retained earnings to average equity (ytd only) | 2.8947% | 3,996 |
| Net charge-offs to loans | -0.0089% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5316% | 1,336 |
| Assets per employee ($millions) | 2.1245% | 6,021 |
| Cash dividends to net income (ytd only)* | 32.8467% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 5,350 |
| Loan loss allowance to noncurrent loans | 356.0000% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 5,120 |
| Noncurrent loans to loans | 0.2307% | 4,598 |
| Net loans and leases to total assets | 50.5907% | 4,815 |
| Net loans and leases to deposits | 59.6614% | 4,796 |
| Net loans and leases to core deposits | 60.5248% | 4,947 |
| Total domestic deposits to total assets | 84.7964% | 3,174 |
| Equity capital to assets | 15.1753% | 644 |
| Core capital (leverage) ratio | 15.1106% | 595 |
| Tier 1 risk-based capital ratio | 39.5389% | 237 |
| Total risk-based capital ratio | 40.6304% | 235 |
| Memoranda: | ||
| Average total assets | $21,316,800 | 6,078 |
| Average earning assets | $20,504,800 | 6,053 |
| Average equity | $3,178,200 | 5,973 |
| Average total loans | $11,228,600 | 5,988 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 5,049 |
| Cost of funding earning assets | 0.1230% | 5,965 |
| Net interest margin | 3.3460% | 4,157 |
| Noninterest income to average assets | 0.4562% | 3,666 |
| Noninterest expense to average assets | 2.8997% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7812% | 3,519 |
| Return on assets (ROA) | 0.7812% | 3,605 |
| Pretax return on assets | 0.7874% | 4,373 |
| Return on Equity (ROE) | 5.2628% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.3681% | 4,075 |
| Net charge-offs to loans | -0.0117% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6441% | 1,866 |
| Assets per employee ($millions) | 2.3822% | 6,018 |
| Cash dividends to net income (ytd only)* | 36.0014% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 5,477 |
| Loan loss allowance to noncurrent loans | 197.7778% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 4,918 |
| Noncurrent loans to loans | 0.4124% | 4,128 |
| Net loans and leases to total assets | 50.4757% | 4,894 |
| Net loans and leases to deposits | 59.4191% | 4,896 |
| Net loans and leases to core deposits | 60.2695% | 5,048 |
| Total domestic deposits to total assets | 84.9487% | 3,036 |
| Equity capital to assets | 14.9813% | 741 |
| Core capital (leverage) ratio | 15.3927% | 575 |
| Tier 1 risk-based capital ratio | 40.3568% | 244 |
| Total risk-based capital ratio | 41.4751% | 244 |
| Memoranda: | ||
| Average total assets | $21,334,750 | 6,165 |
| Average earning assets | $20,601,250 | 6,137 |
| Average equity | $3,166,750 | 6,056 |
| Average total loans | $11,326,500 | 6,065 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 5,041 |
| Cost of funding earning assets | 0.1260% | 6,010 |
| Net interest margin | 3.3542% | 4,085 |
| Noninterest income to average assets | 0.3944% | 4,119 |
| Noninterest expense to average assets | 2.8921% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7418% | 3,678 |
| Return on assets (ROA) | 0.7418% | 3,779 |
| Pretax return on assets | 0.7512% | 4,491 |
| Return on Equity (ROE) | 5.0132% | 4,610 |
| Retained earnings to average equity (ytd only) | 2.7922% | 4,266 |
| Net charge-offs to loans | -0.0174% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3814% | 1,856 |
| Assets per employee ($millions) | 2.0769% | 6,201 |
| Cash dividends to net income (ytd only)* | 44.3038% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 5,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.0965% | 4,442 |
| Net loans and leases to deposits | 65.0836% | 4,429 |
| Net loans and leases to core deposits | 66.0491% | 4,649 |
| Total domestic deposits to total assets | 84.6550% | 3,267 |
| Equity capital to assets | 15.2920% | 651 |
| Core capital (leverage) ratio | 14.8217% | 653 |
| Tier 1 risk-based capital ratio | 37.9450% | 295 |
| Total risk-based capital ratio | 39.0084% | 295 |
| Memoranda: | ||
| Average total assets | $21,299,670 | 6,240 |
| Average earning assets | $20,630,670 | 6,205 |
| Average equity | $3,151,670 | 6,119 |
| Average total loans | $11,465,000 | 6,128 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3919% | 5,221 |
| Cost of funding earning assets | 0.1150% | 6,135 |
| Net interest margin | 3.2770% | 4,315 |
| Noninterest income to average assets | 0.3339% | 4,517 |
| Noninterest expense to average assets | 2.7823% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7234% | 3,676 |
| Return on assets (ROA) | 0.7234% | 3,812 |
| Pretax return on assets | 0.7234% | 4,527 |
| Return on Equity (ROE) | 4.9689% | 4,544 |
| Retained earnings to average equity (ytd only) | 1.7837% | 4,753 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3651% | 1,976 |
| Assets per employee ($millions) | 2.2227% | 6,223 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.9605% | 4,749 |
| Net loans and leases to deposits | 59.4032% | 4,790 |
| Net loans and leases to core deposits | 60.2148% | 4,981 |
| Total domestic deposits to total assets | 85.7876% | 3,050 |
| Equity capital to assets | 14.1585% | 931 |
| Core capital (leverage) ratio | 14.5036% | 692 |
| Tier 1 risk-based capital ratio | 38.2754% | 282 |
| Total risk-based capital ratio | 39.3457% | 286 |
| Memoranda: | ||
| Average total assets | $21,565,000 | 6,301 |
| Average earning assets | $20,873,000 | 6,266 |
| Average equity | $3,139,500 | 6,181 |
| Average total loans | $11,431,500 | 6,195 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 5,539 |
| Cost of funding earning assets | 0.1290% | 6,204 |
| Net interest margin | 3.2670% | 4,694 |
| Noninterest income to average assets | 0.5021% | 3,488 |
| Noninterest expense to average assets | 3.0266% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6173% | 4,289 |
| Return on assets (ROA) | 0.6173% | 4,392 |
| Pretax return on assets | 0.6265% | 4,851 |
| Return on Equity (ROE) | 4.0137% | 5,106 |
| Retained earnings to average equity (ytd only) | -7.9375% | 6,271 |
| Net charge-offs to loans | 0.0089% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 393 |
| Efficiency ratio | 82.8499% | 1,549 |
| Assets per employee ($millions) | 2.0903% | 6,348 |
| Cash dividends to net income (ytd only)* | 297.7612% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 5,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.3463% | 4,539 |
| Net loans and leases to deposits | 63.9496% | 4,531 |
| Net loans and leases to core deposits | 64.8883% | 4,764 |
| Total domestic deposits to total assets | 84.9830% | 3,289 |
| Equity capital to assets | 14.9835% | 705 |
| Core capital (leverage) ratio | 15.0497% | 606 |
| Tier 1 risk-based capital ratio | 37.6805% | 268 |
| Total risk-based capital ratio | 38.7392% | 268 |
| Memoranda: | ||
| Average total assets | $21,707,400 | 6,387 |
| Average earning assets | $20,936,400 | 6,355 |
| Average equity | $3,338,600 | 6,209 |
| Average total loans | $11,284,600 | 6,275 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 5,682 |
| Cost of funding earning assets | 0.1262% | 6,302 |
| Net interest margin | 3.2184% | 4,899 |
| Noninterest income to average assets | 0.4990% | 3,555 |
| Noninterest expense to average assets | 2.8481% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7546% | 3,644 |
| Return on assets (ROA) | 0.7546% | 3,742 |
| Pretax return on assets | 0.7546% | 4,518 |
| Return on Equity (ROE) | 4.8766% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.2752% | 5,721 |
| Net charge-offs to loans | 0.0118% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 124.3083% | 480 |
| Efficiency ratio | 79.0541% | 2,048 |
| Assets per employee ($millions) | 2.3160% | 6,344 |
| Cash dividends to net income (ytd only)* | 94.3567% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 5,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.8215% | 4,480 |
| Net loans and leases to deposits | 65.5820% | 4,382 |
| Net loans and leases to core deposits | 66.5638% | 4,655 |
| Total domestic deposits to total assets | 83.5924% | 3,920 |
| Equity capital to assets | 16.3308% | 519 |
| Core capital (leverage) ratio | 16.0596% | 466 |
| Tier 1 risk-based capital ratio | 41.2256% | 221 |
| Total risk-based capital ratio | 42.2914% | 222 |
| Memoranda: | ||
| Average total assets | $21,908,500 | 6,459 |
| Average earning assets | $21,128,000 | 6,425 |
| Average equity | $3,390,250 | 6,267 |
| Average total loans | $11,243,750 | 6,344 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2586% | 5,860 |
| Cost of funding earning assets | 0.1214% | 6,407 |
| Net interest margin | 3.1373% | 5,132 |
| Noninterest income to average assets | 0.4761% | 3,662 |
| Noninterest expense to average assets | 2.7848% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7097% | 3,786 |
| Return on assets (ROA) | 0.7097% | 3,881 |
| Pretax return on assets | 0.7097% | 4,604 |
| Return on Equity (ROE) | 4.6667% | 4,831 |
| Retained earnings to average equity (ytd only) | -0.7089% | 5,810 |
| Net charge-offs to loans | 0.0179% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 672 |
| Efficiency ratio | 79.6915% | 2,062 |
| Assets per employee ($millions) | 2.1672% | 6,451 |
| Cash dividends to net income (ytd only)* | 115.1899% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 6,010 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 5,707 |
| Noncurrent loans to loans | 0.2858% | 5,164 |
| Net loans and leases to total assets | 51.2551% | 4,829 |
| Net loans and leases to deposits | 60.7825% | 4,802 |
| Net loans and leases to core deposits | 61.6495% | 4,997 |
| Total domestic deposits to total assets | 84.3254% | 3,810 |
| Equity capital to assets | 15.6192% | 602 |
| Core capital (leverage) ratio | 15.3084% | 557 |
| Tier 1 risk-based capital ratio | 41.6769% | 212 |
| Total risk-based capital ratio | 42.7604% | 212 |
| Memoranda: | ||
| Average total assets | $22,263,330 | 6,523 |
| Average earning assets | $21,420,000 | 6,485 |
| Average equity | $3,385,670 | 6,316 |
| Average total loans | $11,153,330 | 6,406 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2337% | 5,960 |
| Cost of funding earning assets | 0.1109% | 6,527 |
| Net interest margin | 3.1228% | 5,163 |
| Noninterest income to average assets | 0.4256% | 3,982 |
| Noninterest expense to average assets | 2.6420% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7802% | 3,250 |
| Return on assets (ROA) | 0.7802% | 3,333 |
| Pretax return on assets | 0.7802% | 4,179 |
| Return on Equity (ROE) | 5.1979% | 4,443 |
| Retained earnings to average equity (ytd only) | -2.5989% | 5,919 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2021% | 2,612 |
| Assets per employee ($millions) | 2.5757% | 6,321 |
| Cash dividends to net income (ytd only)* | 150.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 6,065 |
| Loan loss allowance to noncurrent loans | 161.8182% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 5,488 |
| Noncurrent loans to loans | 0.5043% | 4,652 |
| Net loans and leases to total assets | 46.6632% | 5,260 |
| Net loans and leases to deposits | 54.6534% | 5,222 |
| Net loans and leases to core deposits | 55.3696% | 5,404 |
| Total domestic deposits to total assets | 85.3803% | 3,683 |
| Equity capital to assets | 14.5593% | 773 |
| Core capital (leverage) ratio | 15.0562% | 597 |
| Tier 1 risk-based capital ratio | 42.9882% | 198 |
| Total risk-based capital ratio | 44.1218% | 198 |
| Memoranda: | ||
| Average total assets | $22,559,000 | 6,589 |
| Average earning assets | $21,647,000 | 6,549 |
| Average equity | $3,386,000 | 6,368 |
| Average total loans | $11,132,000 | 6,479 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 5,752 |
| Cost of funding earning assets | 0.1705% | 6,438 |
| Net interest margin | 3.2717% | 4,769 |
| Noninterest income to average assets | 0.5764% | 3,238 |
| Noninterest expense to average assets | 2.9000% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8078% | 3,254 |
| Return on assets (ROA) | 0.8078% | 3,350 |
| Pretax return on assets | 0.8124% | 4,096 |
| Return on Equity (ROE) | 5.3039% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.2646% | 4,636 |
| Net charge-offs to loans | 0.0087% | 5,278 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 256 |
| Efficiency ratio | 78.1174% | 2,452 |
| Assets per employee ($millions) | 2.4374% | 6,437 |
| Cash dividends to net income (ytd only)* | 57.3034% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 6,210 |
| Loan loss allowance to noncurrent loans | 4,450.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,397 |
| Noncurrent loans to loans | 0.0176% | 6,213 |
| Net loans and leases to total assets | 51.3698% | 4,933 |
| Net loans and leases to deposits | 60.8083% | 4,857 |
| Net loans and leases to core deposits | 61.6601% | 5,091 |
| Total domestic deposits to total assets | 84.4783% | 3,975 |
| Equity capital to assets | 15.4853% | 596 |
| Core capital (leverage) ratio | 15.7655% | 497 |
| Tier 1 risk-based capital ratio | 40.4405% | 224 |
| Total risk-based capital ratio | 41.5000% | 225 |
| Memoranda: | ||
| Average total assets | $22,034,600 | 6,676 |
| Average earning assets | $21,120,200 | 6,633 |
| Average equity | $3,356,000 | 6,465 |
| Average total loans | $11,474,000 | 6,540 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 5,926 |
| Cost of funding earning assets | 0.1822% | 6,488 |
| Net interest margin | 3.1978% | 5,007 |
| Noninterest income to average assets | 0.5863% | 3,237 |
| Noninterest expense to average assets | 2.7924% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8704% | 2,990 |
| Return on assets (ROA) | 0.8704% | 3,102 |
| Pretax return on assets | 0.8704% | 4,010 |
| Return on Equity (ROE) | 5.7386% | 4,321 |
| Retained earnings to average equity (ytd only) | 1.6738% | 5,305 |
| Net charge-offs to loans | 0.0116% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 144.3609% | 383 |
| Efficiency ratio | 76.2376% | 2,692 |
| Assets per employee ($millions) | 2.4268% | 6,529 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 6,339 |
| Loan loss allowance to noncurrent loans | 98.8889% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 5,182 |
| Noncurrent loans to loans | 0.7759% | 4,295 |
| Net loans and leases to total assets | 52.7036% | 4,793 |
| Net loans and leases to deposits | 62.3497% | 4,706 |
| Net loans and leases to core deposits | 63.2264% | 4,986 |
| Total domestic deposits to total assets | 84.5291% | 3,962 |
| Equity capital to assets | 15.3976% | 639 |
| Core capital (leverage) ratio | 15.4550% | 570 |
| Tier 1 risk-based capital ratio | 40.2465% | 238 |
| Total risk-based capital ratio | 41.3116% | 237 |
| Memoranda: | ||
| Average total assets | $22,059,000 | 6,751 |
| Average earning assets | $21,222,500 | 6,705 |
| Average equity | $3,345,750 | 6,541 |
| Average total loans | $11,503,000 | 6,611 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3423% | 6,016 |
| Cost of funding earning assets | 0.1888% | 6,530 |
| Net interest margin | 3.1534% | 5,116 |
| Noninterest income to average assets | 0.5241% | 3,675 |
| Noninterest expense to average assets | 2.7291% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8133% | 3,225 |
| Return on assets (ROA) | 0.8133% | 3,379 |
| Pretax return on assets | 0.8133% | 4,259 |
| Return on Equity (ROE) | 5.3892% | 4,523 |
| Retained earnings to average equity (ytd only) | 2.3353% | 4,807 |
| Net charge-offs to loans | 0.0174% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 507 |
| Efficiency ratio | 77.0408% | 2,619 |
| Assets per employee ($millions) | 2.3991% | 6,576 |
| Cash dividends to net income (ytd only)* | 56.6667% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 6,347 |
| Loan loss allowance to noncurrent loans | 98.8889% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 5,237 |
| Noncurrent loans to loans | 0.8110% | 4,290 |
| Net loans and leases to total assets | 50.9818% | 5,002 |
| Net loans and leases to deposits | 60.4138% | 4,927 |
| Net loans and leases to core deposits | 61.2747% | 5,158 |
| Total domestic deposits to total assets | 84.3877% | 4,170 |
| Equity capital to assets | 15.5613% | 609 |
| Core capital (leverage) ratio | 15.0835% | 597 |
| Tier 1 risk-based capital ratio | 42.3921% | 204 |
| Total risk-based capital ratio | 43.5150% | 203 |
| Memoranda: | ||
| Average total assets | $22,131,670 | 6,798 |
| Average earning assets | $21,183,330 | 6,755 |
| Average equity | $3,340,000 | 6,591 |
| Average total loans | $11,470,670 | 6,654 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2197% | 6,278 |
| Cost of funding earning assets | 0.2059% | 6,548 |
| Net interest margin | 3.0138% | 5,528 |
| Noninterest income to average assets | 0.3750% | 4,666 |
| Noninterest expense to average assets | 2.5534% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6964% | 3,701 |
| Return on assets (ROA) | 0.6964% | 3,845 |
| Pretax return on assets | 0.6964% | 4,596 |
| Return on Equity (ROE) | 4.6847% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.1622% | 4,919 |
| Net charge-offs to loans | 0.0343% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 806 |
| Efficiency ratio | 78.5714% | 2,519 |
| Assets per employee ($millions) | 2.5677% | 6,520 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 6,519 |
| Loan loss allowance to noncurrent loans | 61.3793% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 4,817 |
| Noncurrent loans to loans | 1.2380% | 3,705 |
| Net loans and leases to total assets | 50.2964% | 4,945 |
| Net loans and leases to deposits | 58.8328% | 4,935 |
| Net loans and leases to core deposits | 61.1737% | 5,033 |
| Total domestic deposits to total assets | 85.4905% | 3,801 |
| Equity capital to assets | 14.4489% | 890 |
| Core capital (leverage) ratio | 14.9738% | 596 |
| Tier 1 risk-based capital ratio | 39.5991% | 242 |
| Total risk-based capital ratio | 40.6546% | 239 |
| Memoranda: | ||
| Average total assets | $22,401,500 | 6,866 |
| Average earning assets | $21,368,500 | 6,822 |
| Average equity | $3,330,000 | 6,656 |
| Average total loans | $11,657,500 | 6,716 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 5,827 |
| Cost of funding earning assets | 0.2592% | 6,634 |
| Net interest margin | 3.5367% | 4,351 |
| Noninterest income to average assets | 0.6235% | 3,148 |
| Noninterest expense to average assets | 2.9604% | 3,425 |
| Loan and lease loss provision to assets | 0.0095% | 5,801 |
| Net operating income to assets | 0.9471% | 2,564 |
| Return on assets (ROA) | 0.9471% | 2,817 |
| Pretax return on assets | 0.9662% | 3,678 |
| Return on Equity (ROE) | 6.0501% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.1586% | 4,715 |
| Net charge-offs to loans | -0.0173% | 6,533 |
| Credit loss provision to net charge-offs | -100.0000% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2116% | 2,875 |
| Assets per employee ($millions) | 2.4104% | 6,694 |
| Cash dividends to net income (ytd only)* | 64.3216% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 6,531 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 5,176 |
| Noncurrent loans to loans | 0.4740% | 5,340 |
| Net loans and leases to total assets | 53.0700% | 4,745 |
| Net loans and leases to deposits | 62.6831% | 4,699 |
| Net loans and leases to core deposits | 63.5656% | 5,008 |
| Total domestic deposits to total assets | 84.6640% | 4,006 |
| Equity capital to assets | 15.3084% | 678 |
| Core capital (leverage) ratio | 15.5209% | 503 |
| Tier 1 risk-based capital ratio | 39.8393% | 240 |
| Total risk-based capital ratio | 40.9189% | 238 |
| Memoranda: | ||
| Average total assets | $21,011,000 | 6,945 |
| Average earning assets | $19,679,200 | 6,912 |
| Average equity | $3,289,200 | 6,725 |
| Average total loans | $11,542,800 | 6,792 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 5,981 |
| Cost of funding earning assets | 0.2737% | 6,718 |
| Net interest margin | 3.5446% | 4,465 |
| Noninterest income to average assets | 0.6078% | 3,224 |
| Noninterest expense to average assets | 2.9110% | 3,550 |
| Loan and lease loss provision to assets | 0.0128% | 5,656 |
| Net operating income to assets | 0.9980% | 2,518 |
| Return on assets (ROA) | 0.9980% | 2,742 |
| Pretax return on assets | 0.9980% | 3,722 |
| Return on Equity (ROE) | 6.3387% | 4,147 |
| Retained earnings to average equity (ytd only) | 2.7630% | 4,898 |
| Net charge-offs to loans | -0.0232% | 6,530 |
| Credit loss provision to net charge-offs | -100.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2251% | 2,948 |
| Assets per employee ($millions) | 2.3026% | 6,857 |
| Cash dividends to net income (ytd only)* | 56.4114% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 6,641 |
| Loan loss allowance to noncurrent loans | 529.4118% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 6,093 |
| Noncurrent loans to loans | 0.1472% | 6,239 |
| Net loans and leases to total assets | 55.2816% | 4,556 |
| Net loans and leases to deposits | 65.9111% | 4,480 |
| Net loans and leases to core deposits | 66.8924% | 4,857 |
| Total domestic deposits to total assets | 83.8730% | 4,284 |
| Equity capital to assets | 16.0112% | 606 |
| Core capital (leverage) ratio | 16.2639% | 448 |
| Tier 1 risk-based capital ratio | 40.0338% | 240 |
| Total risk-based capital ratio | 41.1197% | 242 |
| Memoranda: | ||
| Average total assets | $20,840,250 | 7,039 |
| Average earning assets | $19,484,750 | 7,007 |
| Average equity | $3,281,250 | 6,817 |
| Average total loans | $11,527,750 | 6,886 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 6,135 |
| Cost of funding earning assets | 0.2775% | 6,805 |
| Net interest margin | 3.5252% | 4,567 |
| Noninterest income to average assets | 0.5747% | 3,413 |
| Noninterest expense to average assets | 2.8353% | 3,884 |
| Loan and lease loss provision to assets | 0.0192% | 5,426 |
| Net operating income to assets | 0.9770% | 2,560 |
| Return on assets (ROA) | 0.9770% | 2,798 |
| Pretax return on assets | 1.0058% | 3,681 |
| Return on Equity (ROE) | 6.2404% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.1413% | 5,120 |
| Net charge-offs to loans | -0.0521% | 6,673 |
| Credit loss provision to net charge-offs | -66.6667% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4491% | 3,169 |
| Assets per employee ($millions) | 2.0500% | 7,039 |
| Cash dividends to net income (ytd only)* | 65.6863% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 6,745 |
| Loan loss allowance to noncurrent loans | 91.9192% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 5,553 |
| Noncurrent loans to loans | 0.8275% | 4,864 |
| Net loans and leases to total assets | 57.9171% | 4,175 |
| Net loans and leases to deposits | 69.0692% | 4,030 |
| Net loans and leases to core deposits | 70.1051% | 4,524 |
| Total domestic deposits to total assets | 83.8537% | 4,374 |
| Equity capital to assets | 16.0244% | 575 |
| Core capital (leverage) ratio | 15.8199% | 483 |
| Tier 1 risk-based capital ratio | 38.9080% | 255 |
| Total risk-based capital ratio | 39.9858% | 249 |
| Memoranda: | ||
| Average total assets | $20,879,330 | 7,096 |
| Average earning assets | $19,460,000 | 7,065 |
| Average equity | $3,269,000 | 6,858 |
| Average total loans | $11,521,670 | 6,946 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 6,387 |
| Cost of funding earning assets | 0.2855% | 6,888 |
| Net interest margin | 3.4466% | 4,926 |
| Noninterest income to average assets | 0.5126% | 3,830 |
| Noninterest expense to average assets | 2.7339% | 4,303 |
| Loan and lease loss provision to assets | 0.0380% | 4,910 |
| Net operating income to assets | 0.8923% | 2,956 |
| Return on assets (ROA) | 0.8923% | 3,180 |
| Pretax return on assets | 0.9493% | 3,870 |
| Return on Equity (ROE) | 5.7651% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.6986% | 4,908 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 3,184 |
| Assets per employee ($millions) | 2.3972% | 6,928 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 6,776 |
| Loan loss allowance to noncurrent loans | 36.6667% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 4,269 |
| Noncurrent loans to loans | 2.1203% | 3,004 |
| Net loans and leases to total assets | 52.0556% | 5,019 |
| Net loans and leases to deposits | 61.4791% | 4,987 |
| Net loans and leases to core deposits | 62.3460% | 5,288 |
| Total domestic deposits to total assets | 84.6721% | 4,172 |
| Equity capital to assets | 15.1657% | 719 |
| Core capital (leverage) ratio | 15.6848% | 504 |
| Tier 1 risk-based capital ratio | 37.5962% | 276 |
| Total risk-based capital ratio | 38.6074% | 274 |
| Memoranda: | ||
| Average total assets | $21,069,000 | 7,155 |
| Average earning assets | $19,613,500 | 7,122 |
| Average equity | $3,261,000 | 6,908 |
| Average total loans | $11,300,500 | 7,011 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 6,482 |
| Cost of funding earning assets | 0.3236% | 7,065 |
| Net interest margin | 3.6622% | 4,466 |
| Noninterest income to average assets | 0.6053% | 3,133 |
| Noninterest expense to average assets | 3.0315% | 3,473 |
| Loan and lease loss provision to assets | 0.0577% | 5,878 |
| Net operating income to assets | 0.9320% | 2,475 |
| Return on assets (ROA) | 0.9320% | 2,596 |
| Pretax return on assets | 0.9416% | 3,462 |
| Return on Equity (ROE) | 6.0617% | 3,844 |
| Retained earnings to average equity (ytd only) | 3.1559% | 3,977 |
| Net charge-offs to loans | 0.0088% | 6,306 |
| Credit loss provision to net charge-offs | 1,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 167 |
| Efficiency ratio | 75.2086% | 3,029 |
| Assets per employee ($millions) | 2.2848% | 7,025 |
| Cash dividends to net income (ytd only)* | 47.9381% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 6,816 |
| Loan loss allowance to noncurrent loans | 373.9130% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 6,677 |
| Noncurrent loans to loans | 0.2039% | 6,341 |
| Net loans and leases to total assets | 54.4473% | 4,964 |
| Net loans and leases to deposits | 64.7879% | 4,901 |
| Net loans and leases to core deposits | 65.7544% | 5,280 |
| Total domestic deposits to total assets | 84.0393% | 4,299 |
| Equity capital to assets | 15.8051% | 610 |
| Core capital (leverage) ratio | 15.9400% | 467 |
| Tier 1 risk-based capital ratio | 39.6777% | 235 |
| Total risk-based capital ratio | 40.7276% | 236 |
| Memoranda: | ||
| Average total assets | $20,815,000 | 7,191 |
| Average earning assets | $19,469,000 | 7,152 |
| Average equity | $3,200,400 | 6,963 |
| Average total loans | $11,407,400 | 7,061 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 6,603 |
| Cost of funding earning assets | 0.3275% | 7,166 |
| Net interest margin | 3.6637% | 4,506 |
| Noninterest income to average assets | 0.5875% | 3,248 |
| Noninterest expense to average assets | 2.9440% | 3,762 |
| Loan and lease loss provision to assets | 0.0766% | 5,488 |
| Net operating income to assets | 0.9835% | 2,382 |
| Return on assets (ROA) | 0.9835% | 2,540 |
| Pretax return on assets | 0.9963% | 3,418 |
| Return on Equity (ROE) | 6.4407% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.5511% | 4,837 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2909% | 3,317 |
| Assets per employee ($millions) | 2.2566% | 7,106 |
| Cash dividends to net income (ytd only)* | 60.3906% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 6,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.7930% | 4,873 |
| Net loans and leases to deposits | 66.4614% | 4,834 |
| Net loans and leases to core deposits | 67.4625% | 5,244 |
| Total domestic deposits to total assets | 83.9480% | 4,253 |
| Equity capital to assets | 15.8058% | 667 |
| Core capital (leverage) ratio | 15.8950% | 517 |
| Tier 1 risk-based capital ratio | 39.6688% | 258 |
| Total risk-based capital ratio | 40.7439% | 256 |
| Memoranda: | ||
| Average total assets | $20,878,000 | 7,260 |
| Average earning assets | $19,542,500 | 7,222 |
| Average equity | $3,188,000 | 7,025 |
| Average total loans | $11,438,750 | 7,129 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 6,767 |
| Cost of funding earning assets | 0.3437% | 7,237 |
| Net interest margin | 3.5882% | 4,762 |
| Noninterest income to average assets | 0.5506% | 3,473 |
| Noninterest expense to average assets | 2.7151% | 4,759 |
| Loan and lease loss provision to assets | 0.0190% | 6,051 |
| Net operating income to assets | 1.1772% | 1,642 |
| Return on assets (ROA) | 1.1772% | 1,726 |
| Pretax return on assets | 1.1867% | 2,535 |
| Return on Equity (ROE) | 7.7971% | 3,045 |
| Retained earnings to average equity (ytd only) | 3.5213% | 4,009 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2494% | 4,275 |
| Assets per employee ($millions) | 2.2883% | 7,128 |
| Cash dividends to net income (ytd only)* | 54.8387% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 7,062 |
| Loan loss allowance to noncurrent loans | 35.4839% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 4,781 |
| Noncurrent loans to loans | 1.8780% | 3,641 |
| Net loans and leases to total assets | 55.7320% | 5,032 |
| Net loans and leases to deposits | 66.2129% | 4,972 |
| Net loans and leases to core deposits | 67.1935% | 5,369 |
| Total domestic deposits to total assets | 84.1709% | 4,277 |
| Equity capital to assets | 15.5620% | 690 |
| Core capital (leverage) ratio | 15.3761% | 609 |
| Tier 1 risk-based capital ratio | 38.3236% | 269 |
| Total risk-based capital ratio | 39.2443% | 269 |
| Memoranda: | ||
| Average total assets | $21,067,670 | 7,321 |
| Average earning assets | $19,787,330 | 7,290 |
| Average equity | $3,180,670 | 7,078 |
| Average total loans | $11,445,670 | 7,203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 6,843 |
| Cost of funding earning assets | 0.3403% | 7,331 |
| Net interest margin | 3.5435% | 4,835 |
| Noninterest income to average assets | 0.4694% | 4,120 |
| Noninterest expense to average assets | 2.7037% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0890% | 1,878 |
| Return on assets (ROA) | 1.0890% | 1,924 |
| Pretax return on assets | 1.0890% | 2,798 |
| Return on Equity (ROE) | 7.3221% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.9235% | 3,244 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2871% | 3,990 |
| Assets per employee ($millions) | 2.4031% | 7,100 |
| Cash dividends to net income (ytd only)* | 32.7586% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6634% | 7,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.9234% | 5,592 |
| Net loans and leases to deposits | 61.1090% | 5,607 |
| Net loans and leases to core deposits | 61.9620% | 5,929 |
| Total domestic deposits to total assets | 84.9686% | 4,045 |
| Equity capital to assets | 14.7402% | 826 |
| Core capital (leverage) ratio | 15.0947% | 648 |
| Tier 1 risk-based capital ratio | 38.3496% | 264 |
| Total risk-based capital ratio | 39.2518% | 268 |
| Memoranda: | ||
| Average total assets | $21,304,000 | 7,377 |
| Average earning assets | $19,980,500 | 7,342 |
| Average equity | $3,168,500 | 7,114 |
| Average total loans | $11,391,000 | 7,254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 7,093 |
| Cost of funding earning assets | 0.4785% | 7,327 |
| Net interest margin | 3.5734% | 4,948 |
| Noninterest income to average assets | 0.5429% | 3,867 |
| Noninterest expense to average assets | 2.9619% | 3,993 |
| Loan and lease loss provision to assets | 0.0381% | 6,782 |
| Net operating income to assets | 0.8714% | 2,501 |
| Return on assets (ROA) | 0.8714% | 2,641 |
| Pretax return on assets | 0.8857% | 3,351 |
| Return on Equity (ROE) | 5.8805% | 3,664 |
| Retained earnings to average equity (ytd only) | 2.2494% | 4,308 |
| Net charge-offs to loans | -0.0180% | 7,359 |
| Credit loss provision to net charge-offs | -400.0000% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2255% | 3,022 |
| Assets per employee ($millions) | 2.3311% | 7,189 |
| Cash dividends to net income (ytd only)* | 61.7486% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 7,196 |
| Loan loss allowance to noncurrent loans | 202.7027% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 6,795 |
| Noncurrent loans to loans | 0.3224% | 6,405 |
| Net loans and leases to total assets | 54.3470% | 5,589 |
| Net loans and leases to deposits | 64.1679% | 5,611 |
| Net loans and leases to core deposits | 65.0873% | 5,969 |
| Total domestic deposits to total assets | 84.6949% | 4,000 |
| Equity capital to assets | 15.0095% | 787 |
| Core capital (leverage) ratio | 15.1613% | 637 |
| Tier 1 risk-based capital ratio | 37.7533% | 281 |
| Total risk-based capital ratio | 38.6524% | 282 |
| Memoranda: | ||
| Average total assets | $20,999,800 | 7,441 |
| Average earning assets | $19,645,200 | 7,410 |
| Average equity | $3,112,000 | 7,245 |
| Average total loans | $11,104,000 | 7,344 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 7,265 |
| Cost of funding earning assets | 0.5036% | 7,440 |
| Net interest margin | 3.5319% | 5,173 |
| Noninterest income to average assets | 0.5395% | 3,866 |
| Noninterest expense to average assets | 2.8501% | 4,278 |
| Loan and lease loss provision to assets | 0.0508% | 6,572 |
| Net operating income to assets | 0.9204% | 2,537 |
| Return on assets (ROA) | 0.9204% | 2,673 |
| Pretax return on assets | 0.9331% | 3,438 |
| Return on Equity (ROE) | 6.2309% | 3,715 |
| Retained earnings to average equity (ytd only) | 1.3320% | 5,275 |
| Net charge-offs to loans | -0.0242% | 7,376 |
| Credit loss provision to net charge-offs | -400.0000% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3377% | 3,261 |
| Assets per employee ($millions) | 2.3219% | 7,291 |
| Cash dividends to net income (ytd only)* | 78.6220% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 7,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.1226% | 5,837 |
| Net loans and leases to deposits | 63.8730% | 5,930 |
| Net loans and leases to core deposits | 64.7915% | 6,232 |
| Total domestic deposits to total assets | 84.7347% | 3,760 |
| Equity capital to assets | 14.8825% | 918 |
| Core capital (leverage) ratio | 15.1176% | 693 |
| Tier 1 risk-based capital ratio | 37.3574% | 301 |
| Total risk-based capital ratio | 38.2583% | 299 |
| Memoranda: | ||
| Average total assets | $21,004,750 | 7,536 |
| Average earning assets | $19,592,500 | 7,508 |
| Average equity | $3,102,750 | 7,337 |
| Average total loans | $11,010,750 | 7,444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 7,375 |
| Cost of funding earning assets | 0.5387% | 7,493 |
| Net interest margin | 3.4454% | 5,455 |
| Noninterest income to average assets | 0.5038% | 4,087 |
| Noninterest expense to average assets | 2.7661% | 4,635 |
| Loan and lease loss provision to assets | 0.0380% | 6,578 |
| Net operating income to assets | 0.9030% | 2,546 |
| Return on assets (ROA) | 0.9030% | 2,657 |
| Pretax return on assets | 0.9220% | 3,410 |
| Return on Equity (ROE) | 6.1284% | 3,742 |
| Retained earnings to average equity (ytd only) | 1.9998% | 4,860 |
| Net charge-offs to loans | -0.0367% | 7,396 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2347% | 3,429 |
| Assets per employee ($millions) | 2.2797% | 7,373 |
| Cash dividends to net income (ytd only)* | 67.3684% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 7,336 |
| Loan loss allowance to noncurrent loans | 109.2308% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 6,624 |
| Noncurrent loans to loans | 0.5947% | 6,055 |
| Net loans and leases to total assets | 52.9220% | 6,113 |
| Net loans and leases to deposits | 62.6833% | 6,173 |
| Net loans and leases to core deposits | 62.6833% | 6,495 |
| Total domestic deposits to total assets | 84.4275% | 3,903 |
| Equity capital to assets | 15.1582% | 846 |
| Core capital (leverage) ratio | 14.7491% | 773 |
| Tier 1 risk-based capital ratio | 37.0768% | 300 |
| Total risk-based capital ratio | 37.9232% | 304 |
| Memoranda: | ||
| Average total assets | $21,040,670 | 7,599 |
| Average earning assets | $19,678,670 | 7,565 |
| Average equity | $3,100,330 | 7,386 |
| Average total loans | $10,886,000 | 7,508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 7,534 |
| Cost of funding earning assets | 0.6034% | 7,530 |
| Net interest margin | 3.2787% | 6,051 |
| Noninterest income to average assets | 0.4319% | 4,649 |
| Noninterest expense to average assets | 2.7602% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7135% | 3,377 |
| Return on assets (ROA) | 0.7135% | 3,486 |
| Pretax return on assets | 0.7323% | 4,117 |
| Return on Equity (ROE) | 4.9104% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.1350% | 3,668 |
| Net charge-offs to loans | -0.0368% | 7,256 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0323% | 2,715 |
| Assets per employee ($millions) | 2.4233% | 7,303 |
| Cash dividends to net income (ytd only)* | 15.7895% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6160% | 7,477 |
| Loan loss allowance to noncurrent loans | 60.9091% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 6,233 |
| Noncurrent loans to loans | 1.0114% | 5,303 |
| Net loans and leases to total assets | 49.5598% | 6,516 |
| Net loans and leases to deposits | 58.1004% | 6,620 |
| Net loans and leases to core deposits | 59.8041% | 6,767 |
| Total domestic deposits to total assets | 85.3003% | 3,509 |
| Equity capital to assets | 14.2687% | 1,079 |
| Core capital (leverage) ratio | 14.6144% | 827 |
| Tier 1 risk-based capital ratio | 36.6981% | 317 |
| Total risk-based capital ratio | 37.4882% | 317 |
| Memoranda: | ||
| Average total assets | $21,302,500 | 7,689 |
| Average earning assets | $19,886,000 | 7,652 |
| Average equity | $3,095,500 | 7,469 |
| Average total loans | $10,864,500 | 7,606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 7,637 |
| Cost of funding earning assets | 0.9101% | 7,385 |
| Net interest margin | 3.2273% | 6,005 |
| Noninterest income to average assets | 0.5743% | 3,826 |
| Noninterest expense to average assets | 2.8391% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7938% | 2,557 |
| Return on assets (ROA) | 0.7938% | 2,648 |
| Pretax return on assets | 0.7985% | 3,245 |
| Return on Equity (ROE) | 5.6347% | 3,362 |
| Retained earnings to average equity (ytd only) | 4.4084% | 2,162 |
| Net charge-offs to loans | 0.0092% | 7,100 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 168 |
| Efficiency ratio | 78.0488% | 3,185 |
| Assets per employee ($millions) | 2.3106% | 7,464 |
| Cash dividends to net income (ytd only)* | 21.7647% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5989% | 7,554 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 7,181 |
| Noncurrent loans to loans | 0.2304% | 6,855 |
| Net loans and leases to total assets | 51.8779% | 6,436 |
| Net loans and leases to deposits | 61.2398% | 6,538 |
| Net loans and leases to core deposits | 65.3422% | 7,013 |
| Total domestic deposits to total assets | 84.7127% | 3,704 |
| Equity capital to assets | 14.8064% | 950 |
| Core capital (leverage) ratio | 14.8257% | 823 |
| Tier 1 risk-based capital ratio | 36.9185% | 305 |
| Total risk-based capital ratio | 37.6978% | 308 |
| Memoranda: | ||
| Average total assets | $21,415,600 | 7,735 |
| Average earning assets | $20,326,400 | 7,703 |
| Average equity | $3,017,000 | 7,582 |
| Average total loans | $10,844,000 | 7,661 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 7,771 |
| Cost of funding earning assets | 0.9589% | 7,467 |
| Net interest margin | 3.1486% | 6,181 |
| Noninterest income to average assets | 0.5501% | 4,072 |
| Noninterest expense to average assets | 2.7382% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8097% | 2,773 |
| Return on assets (ROA) | 0.8097% | 2,836 |
| Pretax return on assets | 0.8159% | 3,488 |
| Return on Equity (ROE) | 5.8191% | 3,598 |
| Retained earnings to average equity (ytd only) | 4.4864% | 2,765 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0435% | 3,313 |
| Assets per employee ($millions) | 2.2810% | 7,524 |
| Cash dividends to net income (ytd only)* | 22.9016% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 7,577 |
| Loan loss allowance to noncurrent loans | 1,320.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 7,531 |
| Noncurrent loans to loans | 0.0456% | 7,396 |
| Net loans and leases to total assets | 53.1297% | 6,479 |
| Net loans and leases to deposits | 62.7958% | 6,603 |
| Net loans and leases to core deposits | 68.6623% | 7,036 |
| Total domestic deposits to total assets | 84.6071% | 3,426 |
| Equity capital to assets | 14.8424% | 1,050 |
| Core capital (leverage) ratio | 14.1130% | 1,063 |
| Tier 1 risk-based capital ratio | 36.9961% | 333 |
| Total risk-based capital ratio | 37.7975% | 335 |
| Memoranda: | ||
| Average total assets | $21,570,750 | 7,808 |
| Average earning assets | $20,579,750 | 7,767 |
| Average equity | $3,001,500 | 7,662 |
| Average total loans | $10,841,750 | 7,738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 7,862 |
| Cost of funding earning assets | 1.0156% | 7,520 |
| Net interest margin | 3.1138% | 6,190 |
| Noninterest income to average assets | 0.4927% | 4,507 |
| Noninterest expense to average assets | 2.6006% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8486% | 2,659 |
| Return on assets (ROA) | 0.8486% | 2,760 |
| Pretax return on assets | 0.8577% | 3,482 |
| Return on Equity (ROE) | 6.2284% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.6880% | 2,689 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1979% | 3,846 |
| Assets per employee ($millions) | 2.2539% | 7,616 |
| Cash dividends to net income (ytd only)* | 24.7312% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6398% | 7,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 45.4723% | 7,233 |
| Net loans and leases to deposits | 52.8571% | 7,333 |
| Net loans and leases to core deposits | 56.8473% | 7,565 |
| Total domestic deposits to total assets | 86.0287% | 2,776 |
| Equity capital to assets | 13.3813% | 1,532 |
| Core capital (leverage) ratio | 13.0129% | 1,427 |
| Tier 1 risk-based capital ratio | 36.9653% | 371 |
| Total risk-based capital ratio | 37.7742% | 376 |
| Memoranda: | ||
| Average total assets | $21,918,000 | 7,882 |
| Average earning assets | $20,874,670 | 7,832 |
| Average equity | $2,986,330 | 7,735 |
| Average total loans | $10,798,000 | 7,826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 7,898 |
| Cost of funding earning assets | 1.0690% | 7,566 |
| Net interest margin | 3.1488% | 6,024 |
| Noninterest income to average assets | 0.4628% | 4,652 |
| Noninterest expense to average assets | 2.6287% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8330% | 2,982 |
| Return on assets (ROA) | 0.8330% | 3,128 |
| Pretax return on assets | 0.8330% | 3,963 |
| Return on Equity (ROE) | 6.0575% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.5768% | 3,384 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9358% | 3,503 |
| Assets per employee ($millions) | 2.5316% | 7,214 |
| Cash dividends to net income (ytd only)* | 24.4444% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 7,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 52.8880% | 6,592 |
| Net loans and leases to deposits | 61.2359% | 6,791 |
| Net loans and leases to core deposits | 65.3187% | 7,262 |
| Total domestic deposits to total assets | 86.3676% | 2,512 |
| Equity capital to assets | 13.0794% | 1,709 |
| Core capital (leverage) ratio | 13.2521% | 1,403 |
| Tier 1 risk-based capital ratio | 29.2329% | 675 |
| Total risk-based capital ratio | 29.8803% | 694 |
| Memoranda: | ||
| Average total assets | $21,607,500 | 7,935 |
| Average earning assets | $20,579,500 | 7,889 |
| Average equity | $2,971,500 | 7,793 |
| Average total loans | $11,039,500 | 7,859 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3265% | 7,571 |
| Cost of funding earning assets | 1.7631% | 7,105 |
| Net interest margin | 3.5633% | 5,048 |
| Noninterest income to average assets | 0.4460% | 5,070 |
| Noninterest expense to average assets | 2.8384% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9579% | 2,752 |
| Return on assets (ROA) | 0.8769% | 2,954 |
| Pretax return on assets | 0.9326% | 3,607 |
| Return on Equity (ROE) | 5.9008% | 3,983 |
| Retained earnings to average equity (ytd only) | 2.1489% | 3,895 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5874% | 3,646 |
| Assets per employee ($millions) | 2.2701% | 7,605 |
| Cash dividends to net income (ytd only)* | 63.5838% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 7,520 |
| Loan loss allowance to noncurrent loans | 83.5443% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 6,082 |
| Noncurrent loans to loans | 0.7929% | 5,058 |
| Net loans and leases to total assets | 48.4411% | 7,155 |
| Net loans and leases to deposits | 57.0827% | 7,258 |
| Net loans and leases to core deposits | 61.8524% | 7,512 |
| Total domestic deposits to total assets | 84.8612% | 2,910 |
| Equity capital to assets | 14.5025% | 1,296 |
| Core capital (leverage) ratio | 14.7641% | 1,078 |
| Tier 1 risk-based capital ratio | 36.8120% | 399 |
| Total risk-based capital ratio | 37.6320% | 407 |
| Memoranda: | ||
| Average total assets | $19,729,400 | 8,026 |
| Average earning assets | $18,886,800 | 7,973 |
| Average equity | $2,931,800 | 7,858 |
| Average total loans | $9,636,400 | 7,958 |