Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 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 | 5.5944% | 1,958 |
| Cost of funding earning assets | 1.5175% | 3,322 |
| Net interest margin | 4.0769% | 1,084 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 2.6658% | 1,822 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 0.9968% | 2,070 |
| Return on assets (ROA) | 0.9968% | 2,062 |
| Pretax return on assets | 1.1796% | 2,032 |
| Return on Equity (ROE) | 13.1300% | 1,328 |
| Retained earnings to average equity (ytd only) | 8.2908% | 1,025 |
| Net charge-offs to loans | 0.5428% | 276 |
| Credit loss provision to net charge-offs | 57.6355% | 2,299 |
| Earnings coverage of net charge-offs (x) | 3.8177% | 2,721 |
| Efficiency ratio | 65.7383% | 2,514 |
| Assets per employee ($millions) | 6.2872% | 2,657 |
| Cash dividends to net income (ytd only)* | 36.8705% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,102 |
| Loan loss allowance to noncurrent loans | 1,117.0732% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,167 |
| Noncurrent loans to loans | 0.1084% | 3,089 |
| Net loans and leases to total assets | 66.0200% | 2,356 |
| Net loans and leases to deposits | 71.5613% | 2,821 |
| Net loans and leases to core deposits | 76.5989% | 3,008 |
| Total domestic deposits to total assets | 92.2500% | 256 |
| Equity capital to assets | 7.4543% | 3,784 |
| Core capital (leverage) ratio | 7.5746% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1668% | 1,487 |
| Memoranda: | ||
| Average total assets | $55,779,800 | 4,175 |
| Average earning assets | $53,178,000 | 4,149 |
| Average equity | $4,233,600 | 4,299 |
| Average total loans | $37,396,800 | 3,993 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5217% | 2,046 |
| Cost of funding earning assets | 1.4812% | 3,393 |
| Net interest margin | 4.0405% | 1,087 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.5861% | 1,995 |
| Loan and lease loss provision to assets | 0.2000% | 591 |
| Net operating income to assets | 0.9524% | 2,206 |
| Return on assets (ROA) | 0.9524% | 2,216 |
| Pretax return on assets | 1.2355% | 1,913 |
| Return on Equity (ROE) | 12.4900% | 1,488 |
| Retained earnings to average equity (ytd only) | 7.5514% | 1,547 |
| Net charge-offs to loans | 0.0465% | 1,445 |
| Credit loss provision to net charge-offs | 630.7692% | 541 |
| Earnings coverage of net charge-offs (x) | 45.9231% | 1,256 |
| Efficiency ratio | 64.3582% | 2,675 |
| Assets per employee ($millions) | 6.1940% | 2,720 |
| Cash dividends to net income (ytd only)* | 39.5466% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 785 |
| Loan loss allowance to noncurrent loans | 506.6116% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 2,378 |
| Noncurrent loans to loans | 0.3223% | 2,306 |
| Net loans and leases to total assets | 66.2500% | 2,291 |
| Net loans and leases to deposits | 72.3345% | 2,790 |
| Net loans and leases to core deposits | 77.9313% | 2,962 |
| Total domestic deposits to total assets | 91.5900% | 252 |
| Equity capital to assets | 8.0095% | 3,705 |
| Core capital (leverage) ratio | 7.8682% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3650% | 1,442 |
| Memoranda: | ||
| Average total assets | $55,578,500 | 4,198 |
| Average earning assets | $52,929,500 | 4,172 |
| Average equity | $4,237,500 | 4,324 |
| Average total loans | $37,292,750 | 4,013 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 2,202 |
| Cost of funding earning assets | 1.3954% | 3,474 |
| Net interest margin | 3.9744% | 1,149 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 2.5503% | 2,087 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 0.9366% | 2,201 |
| Return on assets (ROA) | 0.9366% | 2,206 |
| Pretax return on assets | 1.2175% | 1,897 |
| Return on Equity (ROE) | 12.4900% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.4970% | 1,504 |
| Net charge-offs to loans | 0.0699% | 1,080 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,389 |
| Efficiency ratio | 64.4809% | 2,712 |
| Assets per employee ($millions) | 6.3373% | 2,529 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 944 |
| Loan loss allowance to noncurrent loans | 971.6667% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,941 |
| Noncurrent loans to loans | 0.1601% | 2,867 |
| Net loans and leases to total assets | 64.7000% | 2,483 |
| Net loans and leases to deposits | 70.1965% | 2,971 |
| Net loans and leases to core deposits | 75.4570% | 3,073 |
| Total domestic deposits to total assets | 92.1700% | 246 |
| Equity capital to assets | 7.4812% | 3,736 |
| Core capital (leverage) ratio | 7.6892% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8715% | 1,564 |
| Memoranda: | ||
| Average total assets | $55,522,667 | 4,221 |
| Average earning assets | $52,888,333 | 4,187 |
| Average equity | $4,161,667 | 4,335 |
| Average total loans | $37,208,000 | 4,028 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 2,364 |
| Cost of funding earning assets | 1.3045% | 3,554 |
| Net interest margin | 3.9134% | 1,208 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.4541% | 2,372 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 0.9787% | 1,991 |
| Return on assets (ROA) | 0.9787% | 2,001 |
| Pretax return on assets | 1.2782% | 1,689 |
| Return on Equity (ROE) | 13.0400% | 1,333 |
| Retained earnings to average equity (ytd only) | 7.9825% | 1,556 |
| Net charge-offs to loans | 0.0971% | 739 |
| Credit loss provision to net charge-offs | 266.6667% | 706 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,313 |
| Efficiency ratio | 62.8037% | 2,933 |
| Assets per employee ($millions) | 6.2254% | 2,661 |
| Cash dividends to net income (ytd only)* | 38.8060% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,027 |
| Loan loss allowance to noncurrent loans | 834.3284% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,836 |
| Noncurrent loans to loans | 0.1818% | 2,713 |
| Net loans and leases to total assets | 64.7900% | 2,391 |
| Net loans and leases to deposits | 70.2868% | 2,856 |
| Net loans and leases to core deposits | 75.6066% | 3,005 |
| Total domestic deposits to total assets | 92.1800% | 304 |
| Equity capital to assets | 7.4301% | 3,716 |
| Core capital (leverage) ratio | 7.9223% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9445% | 1,554 |
| Memoranda: | ||
| Average total assets | $54,766,000 | 4,251 |
| Average earning assets | $52,129,000 | 4,215 |
| Average equity | $4,109,000 | 4,363 |
| Average total loans | $37,069,000 | 4,047 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 2,470 |
| Cost of funding earning assets | 0.8121% | 3,703 |
| Net interest margin | 3.9892% | 1,226 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.6711% | 1,818 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.8860% | 2,592 |
| Return on assets (ROA) | 0.8695% | 2,609 |
| Pretax return on assets | 1.1277% | 2,326 |
| Return on Equity (ROE) | 12.1100% | 1,926 |
| Retained earnings to average equity (ytd only) | 8.8039% | 1,305 |
| Net charge-offs to loans | 0.1989% | 534 |
| Credit loss provision to net charge-offs | 131.5068% | 1,587 |
| Earnings coverage of net charge-offs (x) | 9.6027% | 2,282 |
| Efficiency ratio | 66.7457% | 2,254 |
| Assets per employee ($millions) | 6.6879% | 2,280 |
| Cash dividends to net income (ytd only)* | 27.2926% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,176 |
| Loan loss allowance to noncurrent loans | 824.2424% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 2,721 |
| Noncurrent loans to loans | 0.1770% | 2,634 |
| Net loans and leases to total assets | 68.6600% | 1,957 |
| Net loans and leases to deposits | 74.5535% | 2,579 |
| Net loans and leases to core deposits | 80.7607% | 2,663 |
| Total domestic deposits to total assets | 92.0900% | 294 |
| Equity capital to assets | 7.5790% | 3,672 |
| Core capital (leverage) ratio | 7.8670% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4244% | 1,711 |
| Memoranda: | ||
| Average total assets | $52,674,400 | 4,294 |
| Average earning assets | $50,361,600 | 4,246 |
| Average equity | $3,782,400 | 4,369 |
| Average total loans | $36,696,400 | 4,045 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 2,747 |
| Cost of funding earning assets | 0.6888% | 3,788 |
| Net interest margin | 3.8838% | 1,434 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.6683% | 1,743 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.8175% | 2,973 |
| Return on assets (ROA) | 0.7954% | 3,033 |
| Pretax return on assets | 1.0292% | 2,772 |
| Return on Equity (ROE) | 11.2400% | 2,315 |
| Retained earnings to average equity (ytd only) | 8.6153% | 1,787 |
| Net charge-offs to loans | 0.2663% | 336 |
| Credit loss provision to net charge-offs | 98.6301% | 1,635 |
| Earnings coverage of net charge-offs (x) | 6.6849% | 2,272 |
| Efficiency ratio | 68.2705% | 1,988 |
| Assets per employee ($millions) | 6.6929% | 2,186 |
| Cash dividends to net income (ytd only)* | 23.3227% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,485 |
| Loan loss allowance to noncurrent loans | 105.6911% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 584 |
| Noncurrent loans to loans | 1.3147% | 583 |
| Net loans and leases to total assets | 68.9200% | 1,953 |
| Net loans and leases to deposits | 74.5144% | 2,524 |
| Net loans and leases to core deposits | 80.6574% | 2,552 |
| Total domestic deposits to total assets | 92.5000% | 373 |
| Equity capital to assets | 7.2465% | 3,490 |
| Core capital (leverage) ratio | 7.7475% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9765% | 1,906 |
| Memoranda: | ||
| Average total assets | $52,467,250 | 4,312 |
| Average earning assets | $50,328,000 | 4,265 |
| Average equity | $3,714,250 | 4,389 |
| Average total loans | $36,551,000 | 4,060 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 2,895 |
| Cost of funding earning assets | 0.5469% | 3,890 |
| Net interest margin | 3.8485% | 1,527 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.6829% | 1,681 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.7933% | 3,102 |
| Return on assets (ROA) | 0.7600% | 3,215 |
| Pretax return on assets | 0.9826% | 2,964 |
| Return on Equity (ROE) | 10.8200% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.1443% | 1,916 |
| Net charge-offs to loans | 0.2427% | 341 |
| Credit loss provision to net charge-offs | 109.0909% | 1,382 |
| Earnings coverage of net charge-offs (x) | 7.1591% | 2,096 |
| Efficiency ratio | 68.9349% | 1,875 |
| Assets per employee ($millions) | 6.6708% | 2,153 |
| Cash dividends to net income (ytd only)* | 24.7475% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,485 |
| Loan loss allowance to noncurrent loans | 105.6452% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 524 |
| Noncurrent loans to loans | 1.3366% | 531 |
| Net loans and leases to total assets | 68.5500% | 1,909 |
| Net loans and leases to deposits | 73.9136% | 2,504 |
| Net loans and leases to core deposits | 79.1181% | 2,534 |
| Total domestic deposits to total assets | 92.7500% | 289 |
| Equity capital to assets | 7.0344% | 3,777 |
| Core capital (leverage) ratio | 7.8430% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4543% | 2,115 |
| Memoranda: | ||
| Average total assets | $52,108,667 | 4,336 |
| Average earning assets | $50,097,333 | 4,292 |
| Average equity | $3,659,000 | 4,424 |
| Average total loans | $36,260,000 | 4,081 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 2,782 |
| Cost of funding earning assets | 0.4339% | 3,873 |
| Net interest margin | 3.8731% | 1,533 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.7117% | 1,643 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.8236% | 3,121 |
| Return on assets (ROA) | 0.8236% | 3,071 |
| Pretax return on assets | 1.0412% | 2,882 |
| Return on Equity (ROE) | 11.7400% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.0821% | 1,927 |
| Net charge-offs to loans | 0.4911% | 167 |
| Credit loss provision to net charge-offs | 54.5455% | 1,293 |
| Earnings coverage of net charge-offs (x) | 3.5909% | 1,878 |
| Efficiency ratio | 68.8363% | 1,882 |
| Assets per employee ($millions) | 6.6043% | 2,259 |
| Cash dividends to net income (ytd only)* | 22.6415% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,643 |
| Loan loss allowance to noncurrent loans | 102.4540% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 468 |
| Noncurrent loans to loans | 1.3614% | 485 |
| Net loans and leases to total assets | 67.0400% | 1,942 |
| Net loans and leases to deposits | 72.2094% | 2,456 |
| Net loans and leases to core deposits | 76.2432% | 2,510 |
| Total domestic deposits to total assets | 92.8400% | 335 |
| Equity capital to assets | 6.9785% | 3,840 |
| Core capital (leverage) ratio | 7.7877% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9922% | 1,977 |
| Memoranda: | ||
| Average total assets | $51,480,000 | 4,400 |
| Average earning assets | $49,779,000 | 4,353 |
| Average equity | $3,611,500 | 4,488 |
| Average total loans | $35,835,500 | 4,134 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 1,123 |
| Cost of funding earning assets | 0.1828% | 3,885 |
| Net interest margin | 4.0845% | 681 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.7716% | 1,376 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9268% | 2,854 |
| Return on assets (ROA) | 0.9078% | 2,867 |
| Pretax return on assets | 1.1829% | 2,497 |
| Return on Equity (ROE) | 13.1200% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.4382% | 797 |
| Net charge-offs to loans | 0.0768% | 875 |
| Credit loss provision to net charge-offs | 223.0769% | 1,054 |
| Earnings coverage of net charge-offs (x) | 25.3462% | 1,771 |
| Efficiency ratio | 67.6802% | 2,002 |
| Assets per employee ($millions) | 5.5696% | 3,152 |
| Cash dividends to net income (ytd only)* | 12.8319% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,320 |
| Loan loss allowance to noncurrent loans | 82.3065% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2628% | 291 |
| Noncurrent loans to loans | 1.7705% | 342 |
| Net loans and leases to total assets | 70.2800% | 1,611 |
| Net loans and leases to deposits | 75.7265% | 2,119 |
| Net loans and leases to core deposits | 78.5968% | 2,232 |
| Total domestic deposits to total assets | 92.8100% | 447 |
| Equity capital to assets | 7.0542% | 3,639 |
| Core capital (leverage) ratio | 7.6243% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4476% | 2,184 |
| Memoranda: | ||
| Average total assets | $49,790,800 | 4,440 |
| Average earning assets | $47,594,000 | 4,402 |
| Average equity | $3,444,600 | 4,577 |
| Average total loans | $33,832,200 | 4,173 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 879 |
| Cost of funding earning assets | 0.1802% | 3,514 |
| Net interest margin | 4.0273% | 611 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.7467% | 1,359 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.9174% | 2,809 |
| Return on assets (ROA) | 0.9174% | 2,774 |
| Pretax return on assets | 1.1856% | 2,422 |
| Return on Equity (ROE) | 13.3300% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.6117% | 886 |
| Net charge-offs to loans | 0.0360% | 1,144 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 53.1111% | 1,250 |
| Efficiency ratio | 68.1758% | 1,992 |
| Assets per employee ($millions) | 5.1635% | 3,538 |
| Cash dividends to net income (ytd only)* | 12.8655% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,334 |
| Loan loss allowance to noncurrent loans | 80.1242% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2472% | 315 |
| Noncurrent loans to loans | 1.8520% | 336 |
| Net loans and leases to total assets | 66.3400% | 1,852 |
| Net loans and leases to deposits | 71.0933% | 2,277 |
| Net loans and leases to core deposits | 73.6900% | 2,372 |
| Total domestic deposits to total assets | 93.3200% | 493 |
| Equity capital to assets | 6.5556% | 3,711 |
| Core capital (leverage) ratio | 7.4039% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1859% | 2,395 |
| Memoranda: | ||
| Average total assets | $49,707,000 | 4,480 |
| Average earning assets | $47,342,500 | 4,436 |
| Average equity | $3,421,750 | 4,617 |
| Average total loans | $33,352,250 | 4,206 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 719 |
| Cost of funding earning assets | 0.1842% | 3,126 |
| Net interest margin | 3.9534% | 553 |
| Noninterest income to average assets | 0.2038% | 3,977 |
| Noninterest expense to average assets | 2.6985% | 1,394 |
| Loan and lease loss provision to assets | 0.0978% | 1,023 |
| Net operating income to assets | 0.9090% | 2,545 |
| Return on assets (ROA) | 0.9090% | 2,515 |
| Pretax return on assets | 1.1699% | 2,172 |
| Return on Equity (ROE) | 12.9878% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.2988% | 738 |
| Net charge-offs to loans | 0.0608% | 798 |
| Credit loss provision to net charge-offs | 240.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 31.1000% | 1,372 |
| Efficiency ratio | 68.0370% | 2,238 |
| Assets per employee ($millions) | 5.1280% | 3,566 |
| Cash dividends to net income (ytd only)* | 13.0045% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 1,502 |
| Loan loss allowance to noncurrent loans | 346.8966% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 1,890 |
| Noncurrent loans to loans | 0.4223% | 1,850 |
| Net loans and leases to total assets | 65.9711% | 1,699 |
| Net loans and leases to deposits | 70.7489% | 2,132 |
| Net loans and leases to core deposits | 73.3521% | 2,218 |
| Total domestic deposits to total assets | 93.2469% | 453 |
| Equity capital to assets | 6.6439% | 3,955 |
| Core capital (leverage) ratio | 7.3191% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1848% | 2,418 |
| Memoranda: | ||
| Average total assets | $49,064,333 | 4,522 |
| Average earning assets | $46,694,000 | 4,498 |
| Average equity | $3,434,000 | 4,661 |
| Average total loans | $32,878,667 | 4,266 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 524 |
| Cost of funding earning assets | 0.1838% | 3,035 |
| Net interest margin | 4.0079% | 414 |
| Noninterest income to average assets | 0.1752% | 4,124 |
| Noninterest expense to average assets | 2.6774% | 1,411 |
| Loan and lease loss provision to assets | 0.1001% | 836 |
| Net operating income to assets | 0.9425% | 2,100 |
| Return on assets (ROA) | 0.9425% | 2,090 |
| Pretax return on assets | 1.2178% | 1,745 |
| Return on Equity (ROE) | 13.1109% | 1,008 |
| Retained earnings to average equity (ytd only) | 11.3706% | 712 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0146% | 2,632 |
| Assets per employee ($millions) | 5.5954% | 3,237 |
| Cash dividends to net income (ytd only)* | 13.2743% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 1,418 |
| Loan loss allowance to noncurrent loans | 1,391.6667% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,353 |
| Noncurrent loans to loans | 0.1109% | 3,277 |
| Net loans and leases to total assets | 63.4465% | 1,693 |
| Net loans and leases to deposits | 68.2393% | 2,128 |
| Net loans and leases to core deposits | 70.8055% | 2,226 |
| Total domestic deposits to total assets | 92.9764% | 280 |
| Equity capital to assets | 6.7356% | 4,328 |
| Core capital (leverage) ratio | 7.4638% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6886% | 2,351 |
| Memoranda: | ||
| Average total assets | $47,956,500 | 4,560 |
| Average earning assets | $45,709,500 | 4,535 |
| Average equity | $3,447,500 | 4,692 |
| Average total loans | $32,151,500 | 4,291 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 267 |
| Cost of funding earning assets | 0.2207% | 3,245 |
| Net interest margin | 4.7603% | 186 |
| Noninterest income to average assets | 0.2026% | 4,153 |
| Noninterest expense to average assets | 2.9095% | 1,127 |
| Loan and lease loss provision to assets | 0.2325% | 426 |
| Net operating income to assets | 1.1739% | 2,011 |
| Return on assets (ROA) | 1.1739% | 2,070 |
| Pretax return on assets | 1.5284% | 1,626 |
| Return on Equity (ROE) | 15.3430% | 873 |
| Retained earnings to average equity (ytd only) | 13.9591% | 309 |
| Net charge-offs to loans | 0.0377% | 1,499 |
| Credit loss provision to net charge-offs | 918.1818% | 561 |
| Earnings coverage of net charge-offs (x) | 69.5455% | 1,079 |
| Efficiency ratio | 62.2967% | 2,823 |
| Assets per employee ($millions) | 4.5554% | 4,072 |
| Cash dividends to net income (ytd only)* | 9.0196% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 1,441 |
| Loan loss allowance to noncurrent loans | 1,286.8421% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 3,358 |
| Noncurrent loans to loans | 0.1193% | 3,337 |
| Net loans and leases to total assets | 68.8458% | 1,168 |
| Net loans and leases to deposits | 74.7711% | 1,671 |
| Net loans and leases to core deposits | 77.9219% | 1,767 |
| Total domestic deposits to total assets | 92.0753% | 160 |
| Equity capital to assets | 7.6898% | 4,505 |
| Core capital (leverage) ratio | 7.7196% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5879% | 2,420 |
| Memoranda: | ||
| Average total assets | $43,444,400 | 4,627 |
| Average earning assets | $40,775,000 | 4,612 |
| Average equity | $3,324,000 | 4,753 |
| Average total loans | $29,168,200 | 4,394 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 328 |
| Cost of funding earning assets | 0.2261% | 3,361 |
| Net interest margin | 4.7254% | 216 |
| Noninterest income to average assets | 0.1988% | 4,204 |
| Noninterest expense to average assets | 2.8085% | 1,321 |
| Loan and lease loss provision to assets | 0.2586% | 346 |
| Net operating income to assets | 1.1899% | 2,200 |
| Return on assets (ROA) | 1.1899% | 2,259 |
| Pretax return on assets | 1.5471% | 1,859 |
| Return on Equity (ROE) | 15.5723% | 1,027 |
| Retained earnings to average equity (ytd only) | 14.1492% | 495 |
| Net charge-offs to loans | 0.0515% | 1,150 |
| Credit loss provision to net charge-offs | 754.5455% | 614 |
| Earnings coverage of net charge-offs (x) | 52.8182% | 1,212 |
| Efficiency ratio | 60.8754% | 2,849 |
| Assets per employee ($millions) | 4.5907% | 4,056 |
| Cash dividends to net income (ytd only)* | 9.1384% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,476 |
| Loan loss allowance to noncurrent loans | 1,207.6923% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,529 |
| Noncurrent loans to loans | 0.1280% | 3,465 |
| Net loans and leases to total assets | 65.3517% | 1,614 |
| Net loans and leases to deposits | 70.9495% | 2,149 |
| Net loans and leases to core deposits | 73.9068% | 2,252 |
| Total domestic deposits to total assets | 92.1101% | 107 |
| Equity capital to assets | 7.5043% | 4,703 |
| Core capital (leverage) ratio | 7.5195% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5235% | 2,539 |
| Memoranda: | ||
| Average total assets | $42,917,000 | 4,700 |
| Average earning assets | $40,094,750 | 4,683 |
| Average equity | $3,279,250 | 4,826 |
| Average total loans | $28,497,500 | 4,464 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 332 |
| Cost of funding earning assets | 0.2309% | 3,459 |
| Net interest margin | 4.7872% | 225 |
| Noninterest income to average assets | 0.1956% | 4,220 |
| Noninterest expense to average assets | 2.8339% | 1,282 |
| Loan and lease loss provision to assets | 0.3244% | 245 |
| Net operating income to assets | 1.1498% | 2,364 |
| Return on assets (ROA) | 1.1498% | 2,426 |
| Pretax return on assets | 1.4885% | 2,052 |
| Return on Equity (ROE) | 14.9504% | 1,172 |
| Retained earnings to average equity (ytd only) | 13.5236% | 635 |
| Net charge-offs to loans | 0.1652% | 505 |
| Credit loss provision to net charge-offs | 295.6522% | 897 |
| Earnings coverage of net charge-offs (x) | 16.5217% | 1,599 |
| Efficiency ratio | 60.9856% | 2,874 |
| Assets per employee ($millions) | 4.4321% | 4,155 |
| Cash dividends to net income (ytd only)* | 9.5436% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 1,748 |
| Loan loss allowance to noncurrent loans | 1,110.0000% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 3,602 |
| Noncurrent loans to loans | 0.1311% | 3,531 |
| Net loans and leases to total assets | 67.8505% | 1,464 |
| Net loans and leases to deposits | 73.7674% | 2,022 |
| Net loans and leases to core deposits | 76.9577% | 2,144 |
| Total domestic deposits to total assets | 91.9790% | 127 |
| Equity capital to assets | 7.5156% | 4,733 |
| Core capital (leverage) ratio | 7.3139% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0008% | 2,369 |
| Memoranda: | ||
| Average total assets | $41,920,333 | 4,745 |
| Average earning assets | $38,979,000 | 4,723 |
| Average equity | $3,224,000 | 4,861 |
| Average total loans | $27,839,333 | 4,512 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 1,383 |
| Cost of funding earning assets | 0.2450% | 3,518 |
| Net interest margin | 3.8556% | 1,053 |
| Noninterest income to average assets | 0.1572% | 4,416 |
| Noninterest expense to average assets | 2.7701% | 1,430 |
| Loan and lease loss provision to assets | 0.5796% | 100 |
| Net operating income to assets | 0.3143% | 4,496 |
| Return on assets (ROA) | 0.3143% | 4,534 |
| Pretax return on assets | 0.3635% | 4,538 |
| Return on Equity (ROE) | 4.0372% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.5233% | 3,908 |
| Net charge-offs to loans | 0.1962% | 415 |
| Credit loss provision to net charge-offs | 453.8462% | 614 |
| Earnings coverage of net charge-offs (x) | 7.3846% | 1,618 |
| Efficiency ratio | 74.6032% | 1,259 |
| Assets per employee ($millions) | 4.7763% | 3,859 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.8190% | 2,192 |
| Net loans and leases to deposits | 68.3680% | 2,661 |
| Net loans and leases to core deposits | 69.7598% | 2,888 |
| Total domestic deposits to total assets | 91.8836% | 169 |
| Equity capital to assets | 7.3511% | 4,758 |
| Core capital (leverage) ratio | 7.4419% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6675% | 2,418 |
| Memoranda: | ||
| Average total assets | $40,720,000 | 4,777 |
| Average earning assets | $37,556,000 | 4,761 |
| Average equity | $3,170,500 | 4,886 |
| Average total loans | $26,501,000 | 4,558 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 1,188 |
| Cost of funding earning assets | 0.2831% | 4,231 |
| Net interest margin | 4.2694% | 543 |
| Noninterest income to average assets | 0.2146% | 4,206 |
| Noninterest expense to average assets | 2.9661% | 1,514 |
| Loan and lease loss provision to assets | 0.1004% | 3,077 |
| Net operating income to assets | 0.9199% | 2,613 |
| Return on assets (ROA) | 0.9199% | 2,747 |
| Pretax return on assets | 1.1848% | 2,385 |
| Return on Equity (ROE) | 10.9026% | 1,669 |
| Retained earnings to average equity (ytd only) | 9.8454% | 620 |
| Net charge-offs to loans | -0.0506% | 4,669 |
| Credit loss provision to net charge-offs | -300.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7705% | 1,979 |
| Assets per employee ($millions) | 4.2726% | 4,154 |
| Cash dividends to net income (ytd only)* | 9.6970% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,405 |
| Loan loss allowance to noncurrent loans | 141.6370% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 1,417 |
| Noncurrent loans to loans | 1.0997% | 1,292 |
| Net loans and leases to total assets | 65.4175% | 2,168 |
| Net loans and leases to deposits | 71.5281% | 2,728 |
| Net loans and leases to core deposits | 73.1654% | 2,981 |
| Total domestic deposits to total assets | 91.4571% | 138 |
| Equity capital to assets | 8.2724% | 4,586 |
| Core capital (leverage) ratio | 7.8092% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9462% | 1,870 |
| Memoranda: | ||
| Average total assets | $35,872,400 | 4,820 |
| Average earning assets | $33,916,000 | 4,798 |
| Average equity | $3,026,800 | 4,907 |
| Average total loans | $23,711,600 | 4,649 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 1,362 |
| Cost of funding earning assets | 0.2966% | 4,328 |
| Net interest margin | 4.2852% | 606 |
| Noninterest income to average assets | 0.2157% | 4,192 |
| Noninterest expense to average assets | 2.9522% | 1,556 |
| Loan and lease loss provision to assets | 0.1022% | 3,041 |
| Net operating income to assets | 0.9349% | 2,582 |
| Return on assets (ROA) | 0.9349% | 2,710 |
| Pretax return on assets | 1.2074% | 2,368 |
| Return on Equity (ROE) | 11.0207% | 1,673 |
| Retained earnings to average equity (ytd only) | 9.9498% | 770 |
| Net charge-offs to loans | -0.0115% | 4,259 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2718% | 1,994 |
| Assets per employee ($millions) | 4.1812% | 4,158 |
| Cash dividends to net income (ytd only)* | 9.7166% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,520 |
| 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 | 68.3771% | 2,183 |
| Net loans and leases to deposits | 74.8255% | 2,877 |
| Net loans and leases to core deposits | 76.5735% | 3,119 |
| Total domestic deposits to total assets | 91.3821% | 114 |
| Equity capital to assets | 8.3150% | 4,567 |
| Core capital (leverage) ratio | 7.9276% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1148% | 2,148 |
| Memoranda: | ||
| Average total assets | $35,227,250 | 4,853 |
| Average earning assets | $33,261,000 | 4,833 |
| Average equity | $2,988,250 | 4,936 |
| Average total loans | $23,251,250 | 4,686 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,676 |
| Cost of funding earning assets | 0.3020% | 4,476 |
| Net interest margin | 4.2837% | 781 |
| Noninterest income to average assets | 0.2091% | 4,234 |
| Noninterest expense to average assets | 2.9222% | 1,778 |
| Loan and lease loss provision to assets | 0.1046% | 2,965 |
| Net operating income to assets | 0.9470% | 2,503 |
| Return on assets (ROA) | 0.9470% | 2,636 |
| Pretax return on assets | 1.2200% | 2,295 |
| Return on Equity (ROE) | 11.0834% | 1,604 |
| Retained earnings to average equity (ytd only) | 9.9955% | 789 |
| Net charge-offs to loans | -0.0179% | 4,375 |
| Credit loss provision to net charge-offs | -900.0000% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8098% | 2,120 |
| Assets per employee ($millions) | 4.0538% | 4,252 |
| Cash dividends to net income (ytd only)* | 9.8160% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,097 |
| Loan loss allowance to noncurrent loans | 12,366.6667% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,543 |
| Noncurrent loans to loans | 0.0126% | 4,460 |
| Net loans and leases to total assets | 64.0335% | 2,874 |
| Net loans and leases to deposits | 70.1498% | 3,401 |
| Net loans and leases to core deposits | 71.8389% | 3,600 |
| Total domestic deposits to total assets | 91.2811% | 106 |
| Equity capital to assets | 8.4119% | 4,525 |
| Core capital (leverage) ratio | 8.0474% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8924% | 1,863 |
| Memoranda: | ||
| Average total assets | $34,426,000 | 4,889 |
| Average earning assets | $32,448,667 | 4,867 |
| Average equity | $2,941,333 | 4,970 |
| Average total loans | $22,298,000 | 4,726 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 2,261 |
| Cost of funding earning assets | 0.2935% | 4,678 |
| Net interest margin | 4.2245% | 873 |
| Noninterest income to average assets | 0.2276% | 4,187 |
| Noninterest expense to average assets | 3.0302% | 1,810 |
| Loan and lease loss provision to assets | 0.1078% | 2,328 |
| Net operating income to assets | 0.8144% | 2,861 |
| Return on assets (ROA) | 0.8144% | 2,950 |
| Pretax return on assets | 1.0540% | 2,655 |
| Return on Equity (ROE) | 9.4526% | 1,935 |
| Retained earnings to average equity (ytd only) | 8.3406% | 1,133 |
| Net charge-offs to loans | 0.0927% | 1,138 |
| Credit loss provision to net charge-offs | 180.0000% | 1,476 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,437 |
| Efficiency ratio | 72.2857% | 2,041 |
| Assets per employee ($millions) | 4.9007% | 2,753 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 61.4488% | 3,355 |
| Net loans and leases to deposits | 67.5489% | 3,759 |
| Net loans and leases to core deposits | 69.2851% | 3,923 |
| Total domestic deposits to total assets | 90.9692% | 112 |
| Equity capital to assets | 8.6897% | 4,745 |
| Core capital (leverage) ratio | 8.3311% | 4,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3209% | 1,524 |
| Memoranda: | ||
| Average total assets | $33,397,000 | 4,938 |
| Average earning assets | $31,341,000 | 4,916 |
| Average equity | $2,877,500 | 5,019 |
| Average total loans | $21,580,500 | 4,773 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 2,446 |
| Cost of funding earning assets | 0.2872% | 4,760 |
| Net interest margin | 4.3705% | 949 |
| Noninterest income to average assets | 0.2460% | 4,209 |
| Noninterest expense to average assets | 2.9892% | 2,048 |
| Loan and lease loss provision to assets | 0.1806% | 1,148 |
| Net operating income to assets | 0.9168% | 3,141 |
| Return on assets (ROA) | 0.9217% | 3,194 |
| Pretax return on assets | 1.2050% | 2,828 |
| Return on Equity (ROE) | 11.4436% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.4384% | 412 |
| Net charge-offs to loans | 0.1515% | 1,309 |
| Credit loss provision to net charge-offs | 187.0968% | 1,410 |
| Earnings coverage of net charge-offs (x) | 14.2903% | 2,291 |
| Efficiency ratio | 68.4248% | 2,402 |
| Assets per employee ($millions) | 4.0611% | 3,831 |
| Cash dividends to net income (ytd only)* | 8.7838% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,416 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,563 |
| Noncurrent loans to loans | 0.0276% | 4,457 |
| Net loans and leases to total assets | 66.0316% | 2,949 |
| Net loans and leases to deposits | 72.3078% | 3,495 |
| Net loans and leases to core deposits | 74.2627% | 3,699 |
| Total domestic deposits to total assets | 91.3201% | 81 |
| Equity capital to assets | 8.5383% | 4,896 |
| Core capital (leverage) ratio | 8.4226% | 4,882 |
| Tier 1 risk-based capital ratio | 15.0036% | 2,780 |
| Total risk-based capital ratio | 16.2557% | 2,715 |
| Memoranda: | ||
| Average total assets | $32,115,400 | 5,000 |
| Average earning assets | $30,293,800 | 4,983 |
| Average equity | $2,586,600 | 5,097 |
| Average total loans | $20,457,200 | 4,855 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 2,746 |
| Cost of funding earning assets | 0.2868% | 4,824 |
| Net interest margin | 4.3074% | 1,152 |
| Noninterest income to average assets | 0.2623% | 4,172 |
| Noninterest expense to average assets | 2.9521% | 2,100 |
| Loan and lease loss provision to assets | 0.1790% | 1,025 |
| Net operating income to assets | 0.9136% | 3,296 |
| Return on assets (ROA) | 0.9202% | 3,348 |
| Pretax return on assets | 1.2033% | 2,970 |
| Return on Equity (ROE) | 11.6019% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.6046% | 600 |
| Net charge-offs to loans | 0.2120% | 834 |
| Credit loss provision to net charge-offs | 134.3750% | 1,779 |
| Earnings coverage of net charge-offs (x) | 10.3115% | 2,504 |
| Efficiency ratio | 68.2387% | 2,376 |
| Assets per employee ($millions) | 4.0633% | 3,815 |
| Cash dividends to net income (ytd only)* | 8.5963% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 1,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.3664% | 3,132 |
| Net loans and leases to deposits | 71.4507% | 3,643 |
| Net loans and leases to core deposits | 73.3702% | 3,866 |
| Total domestic deposits to total assets | 91.4846% | 65 |
| Equity capital to assets | 8.3338% | 5,055 |
| Core capital (leverage) ratio | 8.3427% | 5,010 |
| Tier 1 risk-based capital ratio | 14.7757% | 2,964 |
| Total risk-based capital ratio | 16.0296% | 2,887 |
| Memoranda: | ||
| Average total assets | $32,022,000 | 5,078 |
| Average earning assets | $30,211,000 | 5,056 |
| Average equity | $2,539,750 | 5,177 |
| Average total loans | $20,130,250 | 4,932 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 3,092 |
| Cost of funding earning assets | 0.2846% | 4,866 |
| Net interest margin | 4.1896% | 1,394 |
| Noninterest income to average assets | 0.2323% | 4,359 |
| Noninterest expense to average assets | 3.0257% | 1,929 |
| Loan and lease loss provision to assets | 0.1758% | 1,024 |
| Net operating income to assets | 0.7721% | 3,744 |
| Return on assets (ROA) | 0.7721% | 3,811 |
| Pretax return on assets | 1.0044% | 3,528 |
| Return on Equity (ROE) | 9.9061% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.8591% | 1,074 |
| Net charge-offs to loans | 0.5087% | 307 |
| Credit loss provision to net charge-offs | 56.0000% | 2,430 |
| Earnings coverage of net charge-offs (x) | 3.7600% | 2,800 |
| Efficiency ratio | 71.9403% | 1,932 |
| Assets per employee ($millions) | 4.0145% | 3,846 |
| Cash dividends to net income (ytd only)* | 10.5691% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 1,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.9452% | 3,734 |
| Net loans and leases to deposits | 65.3430% | 4,140 |
| Net loans and leases to core deposits | 67.1129% | 4,256 |
| Total domestic deposits to total assets | 91.7393% | 51 |
| Equity capital to assets | 8.1050% | 5,157 |
| Core capital (leverage) ratio | 7.9975% | 5,169 |
| Tier 1 risk-based capital ratio | 15.4020% | 2,658 |
| Total risk-based capital ratio | 16.6538% | 2,590 |
| Memoranda: | ||
| Average total assets | $31,860,670 | 5,125 |
| Average earning assets | $30,217,670 | 5,099 |
| Average equity | $2,483,330 | 5,220 |
| Average total loans | $19,659,000 | 4,985 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 3,616 |
| Cost of funding earning assets | 0.2502% | 4,979 |
| Net interest margin | 4.0292% | 1,765 |
| Noninterest income to average assets | 0.2143% | 4,460 |
| Noninterest expense to average assets | 3.0631% | 1,821 |
| Loan and lease loss provision to assets | 0.1639% | 1,030 |
| Net operating income to assets | 0.6555% | 4,074 |
| Return on assets (ROA) | 0.6555% | 4,111 |
| Pretax return on assets | 0.8445% | 3,934 |
| Return on Equity (ROE) | 8.5826% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.5923% | 1,804 |
| Net charge-offs to loans | 1.0339% | 132 |
| Credit loss provision to net charge-offs | 25.4902% | 2,111 |
| Earnings coverage of net charge-offs (x) | 1.5686% | 2,581 |
| Efficiency ratio | 75.2322% | 1,586 |
| Assets per employee ($millions) | 4.0935% | 3,792 |
| Cash dividends to net income (ytd only)* | 11.5385% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.6692% | 3,815 |
| Net loans and leases to deposits | 63.6614% | 4,203 |
| Net loans and leases to core deposits | 65.3415% | 4,307 |
| Total domestic deposits to total assets | 92.1583% | 58 |
| Equity capital to assets | 7.5333% | 5,263 |
| Core capital (leverage) ratio | 7.9882% | 5,210 |
| Tier 1 risk-based capital ratio | 14.8307% | 2,947 |
| Total risk-based capital ratio | 16.0789% | 2,882 |
| Memoranda: | ||
| Average total assets | $31,733,000 | 5,180 |
| Average earning assets | $30,378,500 | 5,145 |
| Average equity | $2,423,500 | 5,280 |
| Average total loans | $19,731,000 | 5,045 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,931 |
| Cost of funding earning assets | 0.2679% | 4,722 |
| Net interest margin | 4.0823% | 1,744 |
| Noninterest income to average assets | 0.1927% | 4,752 |
| Noninterest expense to average assets | 2.8429% | 2,543 |
| Loan and lease loss provision to assets | 0.0514% | 3,154 |
| Net operating income to assets | 0.9251% | 3,347 |
| Return on assets (ROA) | 0.9251% | 3,335 |
| Pretax return on assets | 1.1661% | 3,035 |
| Return on Equity (ROE) | 12.9882% | 1,357 |
| Retained earnings to average equity (ytd only) | 11.9509% | 324 |
| Net charge-offs to loans | -0.1696% | 5,241 |
| Credit loss provision to net charge-offs | -50.0000% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0158% | 2,183 |
| Assets per employee ($millions) | 3.4131% | 4,645 |
| Cash dividends to net income (ytd only)* | 7.9861% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 64.1871% | 3,336 |
| Net loans and leases to deposits | 69.7799% | 3,846 |
| Net loans and leases to core deposits | 71.7451% | 4,005 |
| Total domestic deposits to total assets | 91.9852% | 71 |
| Equity capital to assets | 7.7479% | 5,233 |
| Core capital (leverage) ratio | 7.9831% | 5,240 |
| Tier 1 risk-based capital ratio | 14.3304% | 3,149 |
| Total risk-based capital ratio | 15.5821% | 3,065 |
| Memoranda: | ||
| Average total assets | $31,130,200 | 5,225 |
| Average earning assets | $29,493,400 | 5,203 |
| Average equity | $2,217,400 | 5,339 |
| Average total loans | $18,864,400 | 5,101 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 3,060 |
| Cost of funding earning assets | 0.2669% | 4,696 |
| Net interest margin | 4.0080% | 1,930 |
| Noninterest income to average assets | 0.1878% | 4,850 |
| Noninterest expense to average assets | 3.0010% | 2,014 |
| Loan and lease loss provision to assets | 0.0555% | 2,864 |
| Net operating income to assets | 0.7641% | 4,033 |
| Return on assets (ROA) | 0.7641% | 4,039 |
| Pretax return on assets | 0.9135% | 3,970 |
| Return on Equity (ROE) | 10.9641% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.9226% | 950 |
| Net charge-offs to loans | -0.4377% | 5,388 |
| Credit loss provision to net charge-offs | -21.3115% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5914% | 1,398 |
| Assets per employee ($millions) | 3.4366% | 4,641 |
| Cash dividends to net income (ytd only)* | 9.4989% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 1,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 3,984 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 62.8601% | 3,560 |
| Net loans and leases to deposits | 68.0599% | 4,056 |
| Net loans and leases to core deposits | 69.9503% | 4,194 |
| Total domestic deposits to total assets | 92.3599% | 63 |
| Equity capital to assets | 7.2424% | 5,357 |
| Core capital (leverage) ratio | 7.5816% | 5,384 |
| Tier 1 risk-based capital ratio | 13.9833% | 3,383 |
| Total risk-based capital ratio | 15.2394% | 3,285 |
| Memoranda: | ||
| Average total assets | $31,233,250 | 5,293 |
| Average earning assets | $29,473,750 | 5,270 |
| Average equity | $2,176,750 | 5,410 |
| Average total loans | $18,580,000 | 5,168 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 3,081 |
| Cost of funding earning assets | 0.2586% | 4,707 |
| Net interest margin | 3.9542% | 2,022 |
| Noninterest income to average assets | 0.1085% | 5,244 |
| Noninterest expense to average assets | 2.8403% | 2,537 |
| Loan and lease loss provision to assets | 0.0638% | 2,624 |
| Net operating income to assets | 0.7021% | 4,190 |
| Return on assets (ROA) | 0.7021% | 4,191 |
| Pretax return on assets | 0.9127% | 3,928 |
| Return on Equity (ROE) | 10.2056% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.0923% | 1,183 |
| Net charge-offs to loans | -0.6707% | 5,465 |
| Credit loss provision to net charge-offs | -16.3934% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4147% | 1,647 |
| Assets per employee ($millions) | 3.4761% | 4,627 |
| Cash dividends to net income (ytd only)* | 10.9091% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 1,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 4,026 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.9708% | 3,902 |
| Net loans and leases to deposits | 63.5252% | 4,315 |
| Net loans and leases to core deposits | 65.2577% | 4,409 |
| Total domestic deposits to total assets | 92.8304% | 38 |
| Equity capital to assets | 6.9874% | 5,449 |
| Core capital (leverage) ratio | 7.3063% | 5,459 |
| Tier 1 risk-based capital ratio | 14.0809% | 3,318 |
| Total risk-based capital ratio | 15.3377% | 3,237 |
| Memoranda: | ||
| Average total assets | $31,334,670 | 5,356 |
| Average earning assets | $29,386,670 | 5,335 |
| Average equity | $2,155,670 | 5,476 |
| Average total loans | $18,189,000 | 5,232 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 2,907 |
| Cost of funding earning assets | 0.2595% | 4,653 |
| Net interest margin | 3.9338% | 1,916 |
| Noninterest income to average assets | 0.2424% | 4,554 |
| Noninterest expense to average assets | 2.8699% | 2,466 |
| Loan and lease loss provision to assets | 0.0893% | 2,017 |
| Net operating income to assets | 0.7398% | 3,949 |
| Return on assets (ROA) | 0.7398% | 3,947 |
| Pretax return on assets | 0.9566% | 3,680 |
| Return on Equity (ROE) | 10.8386% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.7174% | 1,251 |
| Net charge-offs to loans | -1.3627% | 5,548 |
| Credit loss provision to net charge-offs | -11.4754% | 3,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2899% | 2,001 |
| Assets per employee ($millions) | 3.9988% | 3,981 |
| Cash dividends to net income (ytd only)* | 10.3448% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 995 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 2,848 |
| Noncurrent loans to loans | 0.0275% | 4,856 |
| Net loans and leases to total assets | 55.8237% | 4,134 |
| Net loans and leases to deposits | 59.9624% | 4,474 |
| Net loans and leases to core deposits | 61.5538% | 4,577 |
| Total domestic deposits to total assets | 93.0978% | 39 |
| Equity capital to assets | 6.7209% | 5,532 |
| Core capital (leverage) ratio | 7.2371% | 5,531 |
| Tier 1 risk-based capital ratio | 14.0078% | 3,378 |
| Total risk-based capital ratio | 15.2655% | 3,286 |
| Memoranda: | ||
| Average total assets | $31,359,500 | 5,413 |
| Average earning assets | $29,285,000 | 5,393 |
| Average equity | $2,140,500 | 5,534 |
| Average total loans | $17,905,000 | 5,300 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 3,740 |
| Cost of funding earning assets | 0.2692% | 4,403 |
| Net interest margin | 3.6257% | 3,082 |
| Noninterest income to average assets | 0.2504% | 4,631 |
| Noninterest expense to average assets | 2.7776% | 2,856 |
| Loan and lease loss provision to assets | 0.1168% | 1,945 |
| Net operating income to assets | 0.4283% | 4,595 |
| Return on assets (ROA) | 0.4240% | 4,637 |
| Pretax return on assets | 0.7211% | 4,458 |
| Return on Equity (ROE) | 5.9991% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.9126% | 2,182 |
| Net charge-offs to loans | 0.4127% | 603 |
| Credit loss provision to net charge-offs | 51.4706% | 3,313 |
| Earnings coverage of net charge-offs (x) | 3.7206% | 3,567 |
| Efficiency ratio | 76.6820% | 1,522 |
| Assets per employee ($millions) | 3.8411% | 4,222 |
| Cash dividends to net income (ytd only)* | 18.1102% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,008 |
| Loan loss allowance to noncurrent loans | 3,385.7143% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 2,572 |
| Noncurrent loans to loans | 0.0397% | 4,829 |
| Net loans and leases to total assets | 56.6566% | 4,135 |
| Net loans and leases to deposits | 60.9594% | 4,503 |
| Net loans and leases to core deposits | 62.6439% | 4,619 |
| Total domestic deposits to total assets | 92.9415% | 34 |
| Equity capital to assets | 6.9348% | 5,587 |
| Core capital (leverage) ratio | 7.3956% | 5,572 |
| Tier 1 risk-based capital ratio | 14.4729% | 3,103 |
| Total risk-based capital ratio | 15.7243% | 3,022 |
| Memoranda: | ||
| Average total assets | $29,954,200 | 5,491 |
| Average earning assets | $27,856,400 | 5,467 |
| Average equity | $2,117,000 | 5,600 |
| Average total loans | $16,475,200 | 5,408 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 3,781 |
| Cost of funding earning assets | 0.2702% | 4,406 |
| Net interest margin | 3.5953% | 3,169 |
| Noninterest income to average assets | 0.2554% | 4,677 |
| Noninterest expense to average assets | 2.8001% | 2,725 |
| Loan and lease loss provision to assets | 0.0448% | 3,202 |
| Net operating income to assets | 0.5079% | 4,707 |
| Return on assets (ROA) | 0.5018% | 4,759 |
| Pretax return on assets | 0.7392% | 4,513 |
| Return on Equity (ROE) | 7.0655% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.9929% | 2,242 |
| Net charge-offs to loans | 0.0329% | 2,774 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 44.2758% | 1,215 |
| Efficiency ratio | 77.9302% | 1,339 |
| Assets per employee ($millions) | 3.6845% | 4,470 |
| Cash dividends to net income (ytd only)* | 15.1811% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 1,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 2,716 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.7148% | 4,091 |
| Net loans and leases to deposits | 62.4729% | 4,481 |
| Net loans and leases to core deposits | 64.2811% | 4,592 |
| Total domestic deposits to total assets | 92.3836% | 43 |
| Equity capital to assets | 7.3789% | 5,629 |
| Core capital (leverage) ratio | 7.2834% | 5,642 |
| Tier 1 risk-based capital ratio | 14.7551% | 3,033 |
| Total risk-based capital ratio | 16.0100% | 2,963 |
| Memoranda: | ||
| Average total assets | $29,760,500 | 5,552 |
| Average earning assets | $27,628,000 | 5,534 |
| Average equity | $2,113,500 | 5,664 |
| Average total loans | $16,182,250 | 5,475 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 4,190 |
| Cost of funding earning assets | 0.2682% | 4,385 |
| Net interest margin | 3.4434% | 3,621 |
| Noninterest income to average assets | 0.2478% | 4,757 |
| Noninterest expense to average assets | 2.7464% | 2,940 |
| Loan and lease loss provision to assets | 0.0402% | 3,206 |
| Net operating income to assets | 0.4622% | 4,820 |
| Return on assets (ROA) | 0.4622% | 4,844 |
| Pretax return on assets | 0.6431% | 4,707 |
| Return on Equity (ROE) | 6.5871% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.4415% | 2,446 |
| Net charge-offs to loans | 0.0632% | 2,023 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,798 |
| Efficiency ratio | 80.0781% | 1,202 |
| Assets per employee ($millions) | 3.9004% | 4,130 |
| Cash dividends to net income (ytd only)* | 17.3913% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 1,152 |
| Loan loss allowance to noncurrent loans | 752.7778% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 1,812 |
| Noncurrent loans to loans | 0.2196% | 4,242 |
| Net loans and leases to total assets | 51.6585% | 4,600 |
| Net loans and leases to deposits | 55.5579% | 4,872 |
| Net loans and leases to core deposits | 57.0624% | 4,950 |
| Total domestic deposits to total assets | 92.9814% | 27 |
| Equity capital to assets | 6.8743% | 5,717 |
| Core capital (leverage) ratio | 7.1282% | 5,702 |
| Tier 1 risk-based capital ratio | 14.6052% | 3,111 |
| Total risk-based capital ratio | 15.8590% | 3,025 |
| Memoranda: | ||
| Average total assets | $29,857,330 | 5,597 |
| Average earning assets | $27,589,000 | 5,582 |
| Average equity | $2,095,000 | 5,712 |
| Average total loans | $15,813,670 | 5,532 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,144 |
| Cost of funding earning assets | 0.2666% | 4,392 |
| Net interest margin | 3.4220% | 3,562 |
| Noninterest income to average assets | 0.2467% | 4,768 |
| Noninterest expense to average assets | 2.7823% | 2,849 |
| Loan and lease loss provision to assets | 0.0411% | 2,984 |
| Net operating income to assets | 0.4386% | 4,819 |
| Return on assets (ROA) | 0.4386% | 4,844 |
| Pretax return on assets | 0.5894% | 4,752 |
| Return on Equity (ROE) | 6.1836% | 3,817 |
| Retained earnings to average equity (ytd only) | 5.0242% | 2,880 |
| Net charge-offs to loans | 0.0515% | 1,831 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,396 |
| Efficiency ratio | 81.5261% | 1,202 |
| Assets per employee ($millions) | 3.7530% | 4,410 |
| Cash dividends to net income (ytd only)* | 18.7500% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 1,873 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.4896% | 4,631 |
| Net loans and leases to deposits | 54.3996% | 4,910 |
| Net loans and leases to core deposits | 55.9331% | 4,979 |
| Total domestic deposits to total assets | 92.8124% | 40 |
| Equity capital to assets | 6.9478% | 5,761 |
| Core capital (leverage) ratio | 7.2139% | 5,745 |
| Tier 1 risk-based capital ratio | 15.7895% | 2,627 |
| Total risk-based capital ratio | 17.0419% | 2,575 |
| Memoranda: | ||
| Average total assets | $29,184,500 | 5,673 |
| Average earning assets | $27,002,000 | 5,655 |
| Average equity | $2,070,000 | 5,780 |
| Average total loans | $15,525,500 | 5,601 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,332 |
| Cost of funding earning assets | 0.2986% | 4,081 |
| Net interest margin | 3.3646% | 3,943 |
| Noninterest income to average assets | 0.3203% | 4,454 |
| Noninterest expense to average assets | 3.0443% | 2,206 |
| Loan and lease loss provision to assets | 0.0211% | 3,946 |
| Net operating income to assets | 0.2685% | 5,286 |
| Return on assets (ROA) | 0.3660% | 5,123 |
| Pretax return on assets | 0.4751% | 5,081 |
| Return on Equity (ROE) | 5.0781% | 4,396 |
| Retained earnings to average equity (ytd only) | 3.9551% | 3,105 |
| Net charge-offs to loans | -0.0207% | 5,137 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1753% | 606 |
| Assets per employee ($millions) | 3.5431% | 4,691 |
| Cash dividends to net income (ytd only)* | 22.1154% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 1,380 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 54.1577% | 4,436 |
| Net loans and leases to deposits | 58.5134% | 4,755 |
| Net loans and leases to core deposits | 60.2638% | 4,851 |
| Total domestic deposits to total assets | 92.5560% | 60 |
| Equity capital to assets | 7.2464% | 5,767 |
| Core capital (leverage) ratio | 7.3605% | 5,769 |
| Tier 1 risk-based capital ratio | 14.7334% | 3,081 |
| Total risk-based capital ratio | 15.9870% | 3,024 |
| Memoranda: | ||
| Average total assets | $28,414,200 | 5,736 |
| Average earning assets | $26,125,200 | 5,722 |
| Average equity | $2,048,000 | 5,840 |
| Average total loans | $14,524,000 | 5,672 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 4,577 |
| Cost of funding earning assets | 0.3010% | 4,086 |
| Net interest margin | 3.2912% | 4,216 |
| Noninterest income to average assets | 0.3564% | 4,238 |
| Noninterest expense to average assets | 3.1092% | 2,005 |
| Loan and lease loss provision to assets | 0.0187% | 3,873 |
| Net operating income to assets | 0.2270% | 5,425 |
| Return on assets (ROA) | 0.3283% | 5,299 |
| Pretax return on assets | 0.3658% | 5,359 |
| Return on Equity (ROE) | 4.5605% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.0623% | 4,078 |
| Net charge-offs to loans | -0.0281% | 5,139 |
| Credit loss provision to net charge-offs | -133.3333% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9556% | 463 |
| Assets per employee ($millions) | 3.5723% | 4,685 |
| Cash dividends to net income (ytd only)* | 32.8619% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 1,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2737% | 1,522 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 52.3340% | 4,630 |
| Net loans and leases to deposits | 56.5894% | 4,957 |
| Net loans and leases to core deposits | 58.2648% | 5,035 |
| Total domestic deposits to total assets | 92.4802% | 50 |
| Equity capital to assets | 7.2503% | 5,868 |
| Core capital (leverage) ratio | 7.2436% | 5,857 |
| Tier 1 risk-based capital ratio | 15.1043% | 2,996 |
| Total risk-based capital ratio | 16.3630% | 2,929 |
| Memoranda: | ||
| Average total assets | $28,431,500 | 5,796 |
| Average earning assets | $26,129,750 | 5,783 |
| Average equity | $2,046,500 | 5,903 |
| Average total loans | $14,249,750 | 5,733 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 4,792 |
| Cost of funding earning assets | 0.3068% | 4,050 |
| Net interest margin | 3.2212% | 4,481 |
| Noninterest income to average assets | 0.3594% | 4,198 |
| Noninterest expense to average assets | 2.8609% | 2,806 |
| Loan and lease loss provision to assets | 0.0211% | 3,714 |
| Net operating income to assets | 0.3563% | 5,164 |
| Return on assets (ROA) | 0.4933% | 4,804 |
| Pretax return on assets | 0.6060% | 4,868 |
| Return on Equity (ROE) | 6.8695% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.2012% | 2,599 |
| Net charge-offs to loans | -0.0287% | 5,100 |
| Credit loss provision to net charge-offs | -150.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1996% | 860 |
| Assets per employee ($millions) | 3.1783% | 5,237 |
| Cash dividends to net income (ytd only)* | 24.2857% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2725% | 1,603 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.4879% | 4,874 |
| Net loans and leases to deposits | 53.5441% | 5,158 |
| Net loans and leases to core deposits | 54.0759% | 5,273 |
| Total domestic deposits to total assets | 92.4244% | 58 |
| Equity capital to assets | 7.2575% | 5,942 |
| Core capital (leverage) ratio | 7.1559% | 5,930 |
| Tier 1 risk-based capital ratio | 15.8803% | 2,699 |
| Total risk-based capital ratio | 17.1385% | 2,634 |
| Memoranda: | ||
| Average total assets | $28,382,670 | 5,873 |
| Average earning assets | $26,077,330 | 5,858 |
| Average equity | $2,038,000 | 5,979 |
| Average total loans | $13,925,000 | 5,814 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 4,767 |
| Cost of funding earning assets | 0.3113% | 4,045 |
| Net interest margin | 3.2380% | 4,442 |
| Noninterest income to average assets | 0.3537% | 4,199 |
| Noninterest expense to average assets | 2.8722% | 2,800 |
| Loan and lease loss provision to assets | 0.0283% | 3,281 |
| Net operating income to assets | 0.2801% | 5,356 |
| Return on assets (ROA) | 0.6367% | 4,154 |
| Pretax return on assets | 0.9055% | 3,824 |
| Return on Equity (ROE) | 8.9153% | 2,463 |
| Retained earnings to average equity (ytd only) | 7.7266% | 1,582 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1245% | 881 |
| Assets per employee ($millions) | 3.6380% | 4,578 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9246% | 931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 1,601 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.0487% | 5,108 |
| Net loans and leases to deposits | 49.6536% | 5,360 |
| Net loans and leases to core deposits | 50.1365% | 5,434 |
| Total domestic deposits to total assets | 92.7398% | 56 |
| Equity capital to assets | 7.0093% | 6,005 |
| Core capital (leverage) ratio | 7.1322% | 5,981 |
| Tier 1 risk-based capital ratio | 16.6005% | 2,440 |
| Total risk-based capital ratio | 17.8557% | 2,385 |
| Memoranda: | ||
| Average total assets | $28,271,500 | 5,936 |
| Average earning assets | $25,695,000 | 5,920 |
| Average equity | $2,019,000 | 6,040 |
| Average total loans | $13,676,500 | 5,882 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,655 |
| Cost of funding earning assets | 0.3396% | 3,797 |
| Net interest margin | 3.2669% | 4,416 |
| Noninterest income to average assets | 0.2191% | 5,282 |
| Noninterest expense to average assets | 3.0081% | 2,514 |
| Loan and lease loss provision to assets | -0.0668% | 5,778 |
| Net operating income to assets | 0.1957% | 5,581 |
| Return on assets (ROA) | 0.2711% | 5,515 |
| Pretax return on assets | 0.3862% | 5,351 |
| Return on Equity (ROE) | 3.6761% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.6761% | 3,439 |
| Net charge-offs to loans | 0.1825% | 1,572 |
| Credit loss provision to net charge-offs | -69.2308% | 5,090 |
| Earnings coverage of net charge-offs (x) | 2.1923% | 3,957 |
| Efficiency ratio | 93.4256% | 509 |
| Assets per employee ($millions) | 3.4299% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 1,476 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.9340% | 4,944 |
| Net loans and leases to deposits | 52.8789% | 5,226 |
| Net loans and leases to core deposits | 53.4259% | 5,350 |
| Total domestic deposits to total assets | 92.5398% | 67 |
| Equity capital to assets | 7.2816% | 6,011 |
| Core capital (leverage) ratio | 7.3380% | 6,003 |
| Tier 1 risk-based capital ratio | 15.8470% | 2,763 |
| Total risk-based capital ratio | 17.1040% | 2,696 |
| Memoranda: | ||
| Average total assets | $26,927,600 | 6,002 |
| Average earning assets | $24,733,000 | 5,986 |
| Average equity | $1,985,800 | 6,102 |
| Average total loans | $14,249,000 | 5,916 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 4,765 |
| Cost of funding earning assets | 0.3388% | 3,874 |
| Net interest margin | 3.2539% | 4,510 |
| Noninterest income to average assets | 0.1990% | 5,452 |
| Noninterest expense to average assets | 2.8656% | 2,956 |
| Loan and lease loss provision to assets | 0.0448% | 3,315 |
| Net operating income to assets | 0.2018% | 5,677 |
| Return on assets (ROA) | 0.2985% | 5,537 |
| Pretax return on assets | 0.4428% | 5,364 |
| Return on Equity (ROE) | 4.0348% | 5,025 |
| Retained earnings to average equity (ytd only) | 4.0348% | 3,595 |
| Net charge-offs to loans | 0.0464% | 2,964 |
| Credit loss provision to net charge-offs | 180.0000% | 1,465 |
| Earnings coverage of net charge-offs (x) | 13.7931% | 2,292 |
| Efficiency ratio | 89.3023% | 741 |
| Assets per employee ($millions) | 3.4345% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1478% | 718 |
| Loan loss allowance to noncurrent loans | 98.4076% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.5550% | 663 |
| Noncurrent loans to loans | 2.1825% | 1,016 |
| Net loans and leases to total assets | 51.2374% | 4,831 |
| Net loans and leases to deposits | 55.3772% | 5,167 |
| Net loans and leases to core deposits | 55.9494% | 5,310 |
| Total domestic deposits to total assets | 92.5244% | 62 |
| Equity capital to assets | 7.3155% | 6,101 |
| Core capital (leverage) ratio | 7.3877% | 6,078 |
| Tier 1 risk-based capital ratio | 14.9339% | 3,329 |
| Total risk-based capital ratio | 16.1963% | 3,270 |
| Memoranda: | ||
| Average total assets | $26,799,750 | 6,088 |
| Average earning assets | $24,790,250 | 6,068 |
| Average equity | $1,982,750 | 6,185 |
| Average total loans | $14,389,250 | 5,987 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5528% | 4,853 |
| Cost of funding earning assets | 0.3496% | 3,809 |
| Net interest margin | 3.2032% | 4,651 |
| Noninterest income to average assets | 0.2559% | 5,123 |
| Noninterest expense to average assets | 2.8599% | 3,030 |
| Loan and lease loss provision to assets | 0.0452% | 3,210 |
| Net operating income to assets | 0.2267% | 5,634 |
| Return on assets (ROA) | 0.3838% | 5,302 |
| Pretax return on assets | 0.5344% | 5,137 |
| Return on Equity (ROE) | 5.1680% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.1680% | 2,753 |
| Net charge-offs to loans | 0.0695% | 2,402 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 2,439 |
| Efficiency ratio | 88.7850% | 845 |
| Assets per employee ($millions) | 3.9060% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1613% | 775 |
| Loan loss allowance to noncurrent loans | 77.6650% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.8601% | 602 |
| Noncurrent loans to loans | 2.7829% | 755 |
| Net loans and leases to total assets | 50.6620% | 4,874 |
| Net loans and leases to deposits | 54.9356% | 5,192 |
| Net loans and leases to core deposits | 55.5057% | 5,341 |
| Total domestic deposits to total assets | 92.2208% | 106 |
| Equity capital to assets | 7.2928% | 6,145 |
| Core capital (leverage) ratio | 7.1862% | 6,156 |
| Tier 1 risk-based capital ratio | 15.7000% | 2,998 |
| Total risk-based capital ratio | 16.9619% | 2,948 |
| Memoranda: | ||
| Average total assets | $26,574,330 | 6,160 |
| Average earning assets | $24,600,330 | 6,139 |
| Average equity | $1,973,670 | 6,259 |
| Average total loans | $14,390,000 | 6,048 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6132% | 4,646 |
| Cost of funding earning assets | 0.3646% | 3,699 |
| Net interest margin | 3.2486% | 4,424 |
| Noninterest income to average assets | 0.2749% | 4,976 |
| Noninterest expense to average assets | 2.9476% | 2,745 |
| Loan and lease loss provision to assets | 0.0458% | 3,008 |
| Net operating income to assets | 0.2511% | 5,564 |
| Return on assets (ROA) | 0.5040% | 4,783 |
| Pretax return on assets | 0.5498% | 5,046 |
| Return on Equity (ROE) | 6.7227% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.7227% | 2,136 |
| Net charge-offs to loans | 0.1654% | 1,285 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,598 |
| Efficiency ratio | 90.1869% | 837 |
| Assets per employee ($millions) | 3.8403% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 946 |
| Loan loss allowance to noncurrent loans | 96.1783% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.6114% | 799 |
| Noncurrent loans to loans | 2.1663% | 1,179 |
| Net loans and leases to total assets | 52.7974% | 4,581 |
| Net loans and leases to deposits | 57.1101% | 4,976 |
| Net loans and leases to core deposits | 57.7115% | 5,135 |
| Total domestic deposits to total assets | 92.4485% | 100 |
| Equity capital to assets | 7.3692% | 6,211 |
| Core capital (leverage) ratio | 7.7337% | 6,049 |
| Tier 1 risk-based capital ratio | 13.8848% | 4,097 |
| Total risk-based capital ratio | 15.1445% | 4,015 |
| Memoranda: | ||
| Average total assets | $26,190,500 | 6,236 |
| Average earning assets | $24,133,500 | 6,211 |
| Average equity | $1,963,500 | 6,322 |
| Average total loans | $14,506,000 | 6,099 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 3,997 |
| Cost of funding earning assets | 0.4764% | 2,922 |
| Net interest margin | 3.4582% | 3,949 |
| Noninterest income to average assets | 0.3005% | 4,973 |
| Noninterest expense to average assets | 3.1729% | 2,280 |
| Loan and lease loss provision to assets | 0.0468% | 3,633 |
| Net operating income to assets | 0.2298% | 5,704 |
| Return on assets (ROA) | 0.3434% | 5,465 |
| Pretax return on assets | 0.3786% | 5,535 |
| Return on Equity (ROE) | 4.5862% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.2312% | 3,930 |
| Net charge-offs to loans | 0.7409% | 488 |
| Credit loss provision to net charge-offs | 11.0092% | 4,091 |
| Earnings coverage of net charge-offs (x) | 0.7064% | 4,580 |
| Efficiency ratio | 91.3483% | 755 |
| Assets per employee ($millions) | 3.6427% | 4,638 |
| Cash dividends to net income (ytd only)* | 29.5455% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1010% | 947 |
| Loan loss allowance to noncurrent loans | 85.6742% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.9178% | 712 |
| Noncurrent loans to loans | 2.4523% | 1,045 |
| Net loans and leases to total assets | 55.7355% | 4,366 |
| Net loans and leases to deposits | 60.4277% | 4,867 |
| Net loans and leases to core deposits | 61.1006% | 5,063 |
| Total domestic deposits to total assets | 92.2350% | 124 |
| Equity capital to assets | 7.6317% | 6,197 |
| Core capital (leverage) ratio | 7.6456% | 6,154 |
| Tier 1 risk-based capital ratio | 15.4083% | 3,273 |
| Total risk-based capital ratio | 16.6719% | 3,209 |
| Memoranda: | ||
| Average total assets | $25,623,400 | 6,331 |
| Average earning assets | $23,509,400 | 6,307 |
| Average equity | $1,918,800 | 6,416 |
| Average total loans | $14,712,200 | 6,170 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,982 |
| Cost of funding earning assets | 0.4764% | 2,988 |
| Net interest margin | 3.4711% | 3,937 |
| Noninterest income to average assets | 0.3014% | 5,038 |
| Noninterest expense to average assets | 3.0923% | 2,493 |
| Loan and lease loss provision to assets | 0.0468% | 3,448 |
| Net operating income to assets | 0.2935% | 5,605 |
| Return on assets (ROA) | 0.4366% | 5,200 |
| Pretax return on assets | 0.5093% | 5,304 |
| Return on Equity (ROE) | 5.8577% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.0445% | 3,771 |
| Net charge-offs to loans | 0.6865% | 512 |
| Credit loss provision to net charge-offs | 11.8421% | 3,680 |
| Earnings coverage of net charge-offs (x) | 0.9869% | 4,264 |
| Efficiency ratio | 88.8060% | 936 |
| Assets per employee ($millions) | 3.6077% | 4,665 |
| Cash dividends to net income (ytd only)* | 30.9554% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2816% | 843 |
| Loan loss allowance to noncurrent loans | 74.2794% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 3.3222% | 657 |
| Noncurrent loans to loans | 3.0716% | 859 |
| Net loans and leases to total assets | 56.8148% | 4,226 |
| Net loans and leases to deposits | 61.6773% | 4,775 |
| Net loans and leases to core deposits | 62.3718% | 5,011 |
| Total domestic deposits to total assets | 92.1161% | 142 |
| Equity capital to assets | 7.6780% | 6,255 |
| Core capital (leverage) ratio | 7.7498% | 6,192 |
| Tier 1 risk-based capital ratio | 15.2184% | 3,461 |
| Total risk-based capital ratio | 16.4821% | 3,398 |
| Memoranda: | ||
| Average total assets | $25,654,500 | 6,408 |
| Average earning assets | $23,507,500 | 6,380 |
| Average equity | $1,912,000 | 6,492 |
| Average total loans | $14,761,000 | 6,235 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 4,168 |
| Cost of funding earning assets | 0.4906% | 2,922 |
| Net interest margin | 3.4003% | 4,170 |
| Noninterest income to average assets | 0.2637% | 5,317 |
| Noninterest expense to average assets | 3.0790% | 2,570 |
| Loan and lease loss provision to assets | 0.0465% | 3,377 |
| Net operating income to assets | 0.2370% | 5,741 |
| Return on assets (ROA) | 0.4653% | 5,026 |
| Pretax return on assets | 0.5041% | 5,263 |
| Return on Equity (ROE) | 6.3058% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.5733% | 3,917 |
| Net charge-offs to loans | 0.4193% | 974 |
| Credit loss provision to net charge-offs | 19.3548% | 3,211 |
| Earnings coverage of net charge-offs (x) | 1.2581% | 3,856 |
| Efficiency ratio | 91.0550% | 828 |
| Assets per employee ($millions) | 3.6619% | 4,522 |
| Cash dividends to net income (ytd only)* | 43.3333% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5428% | 676 |
| Loan loss allowance to noncurrent loans | 75.5511% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 3.4604% | 682 |
| Noncurrent loans to loans | 3.3657% | 816 |
| Net loans and leases to total assets | 56.3687% | 4,225 |
| Net loans and leases to deposits | 61.0306% | 4,781 |
| Net loans and leases to core deposits | 61.7030% | 4,992 |
| Total domestic deposits to total assets | 92.3614% | 131 |
| Equity capital to assets | 7.4825% | 6,352 |
| Core capital (leverage) ratio | 7.3624% | 6,351 |
| Tier 1 risk-based capital ratio | 15.3846% | 3,422 |
| Total risk-based capital ratio | 16.6534% | 3,352 |
| Memoranda: | ||
| Average total assets | $25,788,000 | 6,469 |
| Average earning assets | $23,644,670 | 6,445 |
| Average equity | $1,903,000 | 6,552 |
| Average total loans | $14,787,000 | 6,290 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 4,173 |
| Cost of funding earning assets | 0.5083% | 2,817 |
| Net interest margin | 3.3715% | 4,254 |
| Noninterest income to average assets | 0.2010% | 5,749 |
| Noninterest expense to average assets | 3.1857% | 2,279 |
| Loan and lease loss provision to assets | 0.0464% | 3,168 |
| Net operating income to assets | 0.0458% | 6,141 |
| Return on assets (ROA) | 0.5258% | 4,639 |
| Pretax return on assets | 0.5413% | 5,043 |
| Return on Equity (ROE) | 7.1749% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.1749% | 1,946 |
| Net charge-offs to loans | 1.0293% | 324 |
| Credit loss provision to net charge-offs | 7.8947% | 2,625 |
| Earnings coverage of net charge-offs (x) | 0.1579% | 3,406 |
| Efficiency ratio | 97.1698% | 584 |
| Assets per employee ($millions) | 3.8156% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5486% | 769 |
| Loan loss allowance to noncurrent loans | 55.1051% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 3.9462% | 613 |
| Noncurrent loans to loans | 4.6250% | 508 |
| Net loans and leases to total assets | 52.5403% | 4,606 |
| Net loans and leases to deposits | 56.6509% | 5,060 |
| Net loans and leases to core deposits | 57.2472% | 5,263 |
| Total domestic deposits to total assets | 92.7440% | 140 |
| Equity capital to assets | 7.1212% | 6,413 |
| Core capital (leverage) ratio | 7.5992% | 6,305 |
| Tier 1 risk-based capital ratio | 15.2689% | 3,565 |
| Total risk-based capital ratio | 16.5360% | 3,507 |
| Memoranda: | ||
| Average total assets | $25,865,500 | 6,537 |
| Average earning assets | $23,609,500 | 6,510 |
| Average equity | $1,895,500 | 6,614 |
| Average total loans | $14,767,500 | 6,356 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 4,135 |
| Cost of funding earning assets | 0.5995% | 2,660 |
| Net interest margin | 3.3840% | 4,345 |
| Noninterest income to average assets | 0.4742% | 3,930 |
| Noninterest expense to average assets | 3.0785% | 2,808 |
| Loan and lease loss provision to assets | 0.0482% | 4,166 |
| Net operating income to assets | 0.3175% | 5,464 |
| Return on assets (ROA) | 0.3175% | 5,559 |
| Pretax return on assets | 0.4099% | 5,478 |
| Return on Equity (ROE) | 4.2730% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.2730% | 3,134 |
| Net charge-offs to loans | -0.0071% | 5,978 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0455% | 1,308 |
| Assets per employee ($millions) | 3.5746% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6561% | 695 |
| Loan loss allowance to noncurrent loans | 74.5826% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 3.7207% | 753 |
| Noncurrent loans to loans | 3.5613% | 868 |
| Net loans and leases to total assets | 58.8802% | 3,894 |
| Net loans and leases to deposits | 63.7792% | 4,528 |
| Net loans and leases to core deposits | 64.4996% | 4,823 |
| Total domestic deposits to total assets | 92.3188% | 230 |
| Equity capital to assets | 7.5494% | 6,260 |
| Core capital (leverage) ratio | 7.6817% | 6,312 |
| Tier 1 risk-based capital ratio | 14.1915% | 4,161 |
| Total risk-based capital ratio | 15.4659% | 4,089 |
| Memoranda: | ||
| Average total assets | $24,882,000 | 6,625 |
| Average earning assets | $22,517,600 | 6,610 |
| Average equity | $1,848,800 | 6,714 |
| Average total loans | $14,059,200 | 6,449 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 4,379 |
| Cost of funding earning assets | 0.6177% | 2,664 |
| Net interest margin | 3.3141% | 4,588 |
| Noninterest income to average assets | 0.4615% | 4,067 |
| Noninterest expense to average assets | 3.0050% | 2,977 |
| Loan and lease loss provision to assets | 0.0483% | 4,048 |
| Net operating income to assets | 0.3166% | 5,557 |
| Return on assets (ROA) | 0.3166% | 5,669 |
| Pretax return on assets | 0.4024% | 5,615 |
| Return on Equity (ROE) | 4.2779% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.2779% | 3,632 |
| Net charge-offs to loans | -0.0096% | 5,883 |
| Credit loss provision to net charge-offs | -900.0000% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9565% | 1,264 |
| Assets per employee ($millions) | 3.4259% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6682% | 776 |
| Loan loss allowance to noncurrent loans | 74.3017% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 3.8572% | 834 |
| Noncurrent loans to loans | 3.5910% | 1,051 |
| Net loans and leases to total assets | 60.6939% | 3,580 |
| Net loans and leases to deposits | 66.4218% | 4,254 |
| Net loans and leases to core deposits | 67.2131% | 4,599 |
| Total domestic deposits to total assets | 91.3765% | 398 |
| Equity capital to assets | 7.7812% | 6,265 |
| Core capital (leverage) ratio | 7.6715% | 6,382 |
| Tier 1 risk-based capital ratio | 14.4656% | 4,091 |
| Total risk-based capital ratio | 15.7399% | 4,028 |
| Memoranda: | ||
| Average total assets | $24,847,000 | 6,699 |
| Average earning assets | $22,449,250 | 6,686 |
| Average equity | $1,838,750 | 6,794 |
| Average total loans | $13,790,250 | 6,532 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 4,524 |
| Cost of funding earning assets | 0.6319% | 2,666 |
| Net interest margin | 3.2572% | 4,745 |
| Noninterest income to average assets | 0.3819% | 4,657 |
| Noninterest expense to average assets | 2.9440% | 3,192 |
| Loan and lease loss provision to assets | 0.0477% | 4,019 |
| Net operating income to assets | 0.2546% | 5,766 |
| Return on assets (ROA) | 0.2546% | 5,890 |
| Pretax return on assets | 0.3024% | 5,876 |
| Return on Equity (ROE) | 3.4979% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.4979% | 4,092 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3720% | 1,095 |
| Assets per employee ($millions) | 3.5684% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8652% | 662 |
| Loan loss allowance to noncurrent loans | 75.8157% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 3.6391% | 1,028 |
| Noncurrent loans to loans | 3.7792% | 1,079 |
| Net loans and leases to total assets | 53.6090% | 4,643 |
| Net loans and leases to deposits | 57.9948% | 5,162 |
| Net loans and leases to core deposits | 58.6476% | 5,368 |
| Total domestic deposits to total assets | 92.4376% | 193 |
| Equity capital to assets | 7.3542% | 6,490 |
| Core capital (leverage) ratio | 7.3025% | 6,530 |
| Tier 1 risk-based capital ratio | 15.2009% | 3,646 |
| Total risk-based capital ratio | 16.4773% | 3,596 |
| Memoranda: | ||
| Average total assets | $25,135,670 | 6,743 |
| Average earning assets | $22,473,330 | 6,736 |
| Average equity | $1,829,670 | 6,841 |
| Average total loans | $13,402,330 | 6,583 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 5,203 |
| Cost of funding earning assets | 0.6238% | 2,889 |
| Net interest margin | 3.0657% | 5,384 |
| Noninterest income to average assets | 0.3331% | 5,034 |
| Noninterest expense to average assets | 2.9349% | 3,210 |
| Loan and lease loss provision to assets | 0.0476% | 3,822 |
| Net operating income to assets | 0.0793% | 6,189 |
| Return on assets (ROA) | 0.0793% | 6,276 |
| Pretax return on assets | 0.0793% | 6,290 |
| Return on Equity (ROE) | 1.0953% | 6,200 |
| Retained earnings to average equity (ytd only) | 1.0953% | 5,415 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8549% | 741 |
| Assets per employee ($millions) | 3.6801% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0806% | 608 |
| Loan loss allowance to noncurrent loans | 55.5241% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.2428% | 897 |
| Noncurrent loans to loans | 5.5481% | 642 |
| Net loans and leases to total assets | 47.8747% | 5,240 |
| Net loans and leases to deposits | 51.6414% | 5,656 |
| Net loans and leases to core deposits | 52.2054% | 5,805 |
| Total domestic deposits to total assets | 92.7060% | 151 |
| Equity capital to assets | 7.0999% | 6,695 |
| Core capital (leverage) ratio | 7.1735% | 6,591 |
| Tier 1 risk-based capital ratio | 15.7480% | 3,406 |
| Total risk-based capital ratio | 17.0286% | 3,343 |
| Memoranda: | ||
| Average total assets | $25,214,000 | 6,812 |
| Average earning assets | $22,441,500 | 6,803 |
| Average equity | $1,826,000 | 6,908 |
| Average total loans | $13,210,500 | 6,654 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 2,792 |
| Cost of funding earning assets | 0.8937% | 1,972 |
| Net interest margin | 3.7566% | 3,411 |
| Noninterest income to average assets | 0.5849% | 3,364 |
| Noninterest expense to average assets | 3.2928% | 2,362 |
| Loan and lease loss provision to assets | 0.1516% | 3,718 |
| Net operating income to assets | 0.3466% | 5,310 |
| Return on assets (ROA) | 0.3466% | 5,528 |
| Pretax return on assets | 0.4549% | 5,411 |
| Return on Equity (ROE) | 4.5091% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.5091% | 3,057 |
| Net charge-offs to loans | 0.0568% | 5,130 |
| Credit loss provision to net charge-offs | 437.5000% | 552 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,499 |
| Efficiency ratio | 84.4444% | 1,577 |
| Assets per employee ($millions) | 3.5239% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8402% | 792 |
| Loan loss allowance to noncurrent loans | 55.0212% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 4.4351% | 938 |
| Noncurrent loans to loans | 5.1621% | 750 |
| Net loans and leases to total assets | 53.9466% | 4,626 |
| Net loans and leases to deposits | 58.3896% | 5,195 |
| Net loans and leases to core deposits | 59.0556% | 5,449 |
| Total domestic deposits to total assets | 92.3906% | 187 |
| Equity capital to assets | 7.3904% | 6,674 |
| Core capital (leverage) ratio | 7.4762% | 6,511 |
| Tier 1 risk-based capital ratio | 15.3761% | 3,498 |
| Total risk-based capital ratio | 16.6554% | 3,445 |
| Memoranda: | ||
| Average total assets | $23,080,600 | 6,908 |
| Average earning assets | $20,364,400 | 6,898 |
| Average equity | $1,774,200 | 6,987 |
| Average total loans | $14,079,000 | 6,695 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 3,149 |
| Cost of funding earning assets | 0.9349% | 1,955 |
| Net interest margin | 3.6796% | 3,879 |
| Noninterest income to average assets | 0.5584% | 3,551 |
| Noninterest expense to average assets | 3.2151% | 2,515 |
| Loan and lease loss provision to assets | 0.1881% | 3,238 |
| Net operating income to assets | 0.3115% | 5,577 |
| Return on assets (ROA) | 0.3115% | 5,780 |
| Pretax return on assets | 0.3938% | 5,734 |
| Return on Equity (ROE) | 4.0102% | 5,290 |
| Retained earnings to average equity (ytd only) | 4.0102% | 4,066 |
| Net charge-offs to loans | 0.0847% | 4,539 |
| Credit loss provision to net charge-offs | 355.5556% | 756 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,126 |
| Efficiency ratio | 84.6749% | 1,511 |
| Assets per employee ($millions) | 3.3273% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 966 |
| Loan loss allowance to noncurrent loans | 45.0820% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 3.6667% | 1,352 |
| Noncurrent loans to loans | 6.0196% | 678 |
| Net loans and leases to total assets | 59.2589% | 3,919 |
| Net loans and leases to deposits | 64.4321% | 4,666 |
| Net loans and leases to core deposits | 65.2145% | 5,032 |
| Total domestic deposits to total assets | 91.9711% | 212 |
| Equity capital to assets | 7.7197% | 6,706 |
| Core capital (leverage) ratio | 7.7186% | 6,517 |
| Tier 1 risk-based capital ratio | 15.1698% | 3,728 |
| Total risk-based capital ratio | 16.4431% | 3,658 |
| Memoranda: | ||
| Average total assets | $22,684,000 | 7,004 |
| Average earning assets | $19,965,500 | 6,993 |
| Average equity | $1,762,000 | 7,081 |
| Average total loans | $14,174,750 | 6,781 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 3,133 |
| Cost of funding earning assets | 0.9426% | 2,103 |
| Net interest margin | 3.7096% | 3,774 |
| Noninterest income to average assets | 0.5516% | 3,575 |
| Noninterest expense to average assets | 3.1848% | 2,646 |
| Loan and lease loss provision to assets | 0.2580% | 2,512 |
| Net operating income to assets | 0.3025% | 5,610 |
| Return on assets (ROA) | 0.3025% | 5,812 |
| Pretax return on assets | 0.3647% | 5,791 |
| Return on Equity (ROE) | 3.8857% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.8857% | 4,033 |
| Net charge-offs to loans | 0.1270% | 3,914 |
| Credit loss provision to net charge-offs | 322.2222% | 917 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,421 |
| Efficiency ratio | 83.6449% | 1,669 |
| Assets per employee ($millions) | 3.3237% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7152% | 1,018 |
| Loan loss allowance to noncurrent loans | 44.7831% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 3.6663% | 1,432 |
| Noncurrent loans to loans | 6.0630% | 721 |
| Net loans and leases to total assets | 58.8283% | 4,016 |
| Net loans and leases to deposits | 63.8863% | 4,778 |
| Net loans and leases to core deposits | 64.6589% | 5,136 |
| Total domestic deposits to total assets | 92.0829% | 215 |
| Equity capital to assets | 7.6335% | 6,749 |
| Core capital (leverage) ratio | 7.6896% | 6,523 |
| Tier 1 risk-based capital ratio | 15.0119% | 3,762 |
| Total risk-based capital ratio | 16.2763% | 3,710 |
| Memoranda: | ||
| Average total assets | $22,481,670 | 7,069 |
| Average earning assets | $19,732,670 | 7,059 |
| Average equity | $1,750,000 | 7,137 |
| Average total loans | $14,170,670 | 6,837 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 2,466 |
| Cost of funding earning assets | 0.9729% | 2,140 |
| Net interest margin | 3.8710% | 3,049 |
| Noninterest income to average assets | 0.5614% | 3,486 |
| Noninterest expense to average assets | 3.4587% | 1,848 |
| Loan and lease loss provision to assets | 0.4708% | 1,300 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | 0.0181% | 6,502 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | -2.0725% | 6,289 |
| Net charge-offs to loans | -0.0281% | 6,319 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6147% | 1,324 |
| Assets per employee ($millions) | 3.2864% | 5,595 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7947% | 1,013 |
| Loan loss allowance to noncurrent loans | 55.0212% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.0732% | 1,897 |
| Noncurrent loans to loans | 5.0794% | 1,097 |
| Net loans and leases to total assets | 58.8133% | 3,902 |
| Net loans and leases to deposits | 63.7786% | 4,664 |
| Net loans and leases to core deposits | 64.5577% | 5,054 |
| Total domestic deposits to total assets | 92.2147% | 224 |
| Equity capital to assets | 7.5331% | 6,769 |
| Core capital (leverage) ratio | 7.8725% | 6,356 |
| Tier 1 risk-based capital ratio | 14.7675% | 3,915 |
| Total risk-based capital ratio | 16.0279% | 3,869 |
| Memoranda: | ||
| Average total assets | $22,089,500 | 7,133 |
| Average earning assets | $19,323,000 | 7,127 |
| Average equity | $1,737,000 | 7,194 |
| Average total loans | $14,221,500 | 6,894 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 2,640 |
| Cost of funding earning assets | 1.1389% | 2,418 |
| Net interest margin | 3.9140% | 3,273 |
| Noninterest income to average assets | 0.5576% | 3,453 |
| Noninterest expense to average assets | 3.6151% | 1,716 |
| Loan and lease loss provision to assets | 0.0567% | 5,889 |
| Net operating income to assets | 0.3015% | 5,244 |
| Return on assets (ROA) | 0.4678% | 4,755 |
| Pretax return on assets | 0.5340% | 4,891 |
| Return on Equity (ROE) | 5.8160% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.2873% | 2,461 |
| Net charge-offs to loans | 0.0288% | 6,035 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,101 |
| Efficiency ratio | 90.0000% | 1,194 |
| Assets per employee ($millions) | 3.0249% | 6,031 |
| Cash dividends to net income (ytd only)* | 9.0909% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4924% | 1,325 |
| Loan loss allowance to noncurrent loans | 51.2023% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 3.3390% | 1,773 |
| Noncurrent loans to loans | 4.8678% | 1,182 |
| Net loans and leases to total assets | 66.8839% | 2,611 |
| Net loans and leases to deposits | 73.1319% | 3,644 |
| Net loans and leases to core deposits | 74.1117% | 4,226 |
| Total domestic deposits to total assets | 91.4565% | 343 |
| Equity capital to assets | 8.2223% | 6,414 |
| Core capital (leverage) ratio | 7.8154% | 6,426 |
| Tier 1 risk-based capital ratio | 14.0496% | 4,291 |
| Total risk-based capital ratio | 15.2893% | 4,250 |
| Memoranda: | ||
| Average total assets | $21,161,400 | 7,178 |
| Average earning assets | $18,702,000 | 7,170 |
| Average equity | $1,702,200 | 7,253 |
| Average total loans | $13,870,200 | 6,950 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 3,244 |
| Cost of funding earning assets | 1.1780% | 2,461 |
| Net interest margin | 3.7925% | 3,912 |
| Noninterest income to average assets | 0.5482% | 3,526 |
| Noninterest expense to average assets | 3.5289% | 1,860 |
| Loan and lease loss provision to assets | 0.0567% | 5,730 |
| Net operating income to assets | 0.2622% | 5,533 |
| Return on assets (ROA) | 0.4915% | 4,767 |
| Pretax return on assets | 0.5420% | 5,005 |
| Return on Equity (ROE) | 6.1448% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.1448% | 2,465 |
| Net charge-offs to loans | 0.0097% | 6,024 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 55.1353% | 593 |
| Efficiency ratio | 91.0569% | 1,105 |
| Assets per employee ($millions) | 3.1410% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6179% | 1,246 |
| Loan loss allowance to noncurrent loans | 40.0886% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 4.1070% | 1,491 |
| Noncurrent loans to loans | 6.5302% | 806 |
| Net loans and leases to total assets | 61.2453% | 3,896 |
| Net loans and leases to deposits | 66.7857% | 4,789 |
| Net loans and leases to core deposits | 67.6411% | 5,218 |
| Total domestic deposits to total assets | 91.7042% | 261 |
| Equity capital to assets | 7.8637% | 6,772 |
| Core capital (leverage) ratio | 7.9300% | 6,451 |
| Tier 1 risk-based capital ratio | 14.0056% | 4,349 |
| Total risk-based capital ratio | 15.2476% | 4,326 |
| Memoranda: | ||
| Average total assets | $21,158,250 | 7,249 |
| Average earning assets | $18,562,500 | 7,244 |
| Average equity | $1,692,500 | 7,328 |
| Average total loans | $13,706,750 | 7,032 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 2,619 |
| Cost of funding earning assets | 1.1743% | 2,750 |
| Net interest margin | 3.9392% | 3,127 |
| Noninterest income to average assets | 0.5555% | 3,431 |
| Noninterest expense to average assets | 3.6299% | 1,675 |
| Loan and lease loss provision to assets | 0.0575% | 5,599 |
| Net operating income to assets | 0.3410% | 5,212 |
| Return on assets (ROA) | 0.3735% | 5,211 |
| Pretax return on assets | 0.4406% | 5,261 |
| Return on Equity (ROE) | 4.6419% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.6419% | 3,228 |
| Net charge-offs to loans | 0.0293% | 5,423 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,074 |
| Efficiency ratio | 88.7588% | 1,346 |
| Assets per employee ($millions) | 3.0183% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6494% | 1,243 |
| Loan loss allowance to noncurrent loans | 39.6685% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 4.2834% | 1,482 |
| Noncurrent loans to loans | 6.6790% | 810 |
| Net loans and leases to total assets | 62.4337% | 3,806 |
| Net loans and leases to deposits | 68.3047% | 4,657 |
| Net loans and leases to core deposits | 69.2187% | 5,159 |
| Total domestic deposits to total assets | 91.4048% | 366 |
| Equity capital to assets | 8.1219% | 6,585 |
| Core capital (leverage) ratio | 7.8626% | 6,449 |
| Tier 1 risk-based capital ratio | 14.2115% | 4,006 |
| Total risk-based capital ratio | 15.4462% | 3,989 |
| Memoranda: | ||
| Average total assets | $20,882,000 | 7,327 |
| Average earning assets | $18,734,670 | 7,312 |
| Average equity | $1,680,330 | 7,400 |
| Average total loans | $13,666,330 | 7,103 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 3,131 |
| Cost of funding earning assets | 1.1751% | 2,981 |
| Net interest margin | 3.8192% | 3,518 |
| Noninterest income to average assets | 0.5973% | 3,186 |
| Noninterest expense to average assets | 3.7189% | 1,505 |
| Loan and lease loss provision to assets | 0.0578% | 5,277 |
| Net operating income to assets | 0.2497% | 5,618 |
| Return on assets (ROA) | 0.3083% | 5,439 |
| Pretax return on assets | 0.4046% | 5,329 |
| Return on Equity (ROE) | 3.8496% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.8496% | 3,865 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6103% | 1,276 |
| Assets per employee ($millions) | 3.0661% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6171% | 1,292 |
| Loan loss allowance to noncurrent loans | 39.2739% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 4.2352% | 1,552 |
| Noncurrent loans to loans | 6.6637% | 871 |
| Net loans and leases to total assets | 61.8926% | 3,881 |
| Net loans and leases to deposits | 67.4144% | 4,759 |
| Net loans and leases to core deposits | 68.2947% | 5,254 |
| Total domestic deposits to total assets | 91.8092% | 337 |
| Equity capital to assets | 7.7948% | 6,681 |
| Core capital (leverage) ratio | 8.0008% | 6,259 |
| Tier 1 risk-based capital ratio | 13.6907% | 4,290 |
| Total risk-based capital ratio | 14.9353% | 4,273 |
| Memoranda: | ||
| Average total assets | $20,759,000 | 7,388 |
| Average earning assets | $19,061,500 | 7,363 |
| Average equity | $1,662,500 | 7,456 |
| Average total loans | $13,724,500 | 7,156 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8175% | 1,233 |
| Cost of funding earning assets | 1.4943% | 2,682 |
| Net interest margin | 4.3232% | 1,739 |
| Noninterest income to average assets | 0.6719% | 3,009 |
| Noninterest expense to average assets | 3.9110% | 1,304 |
| Loan and lease loss provision to assets | 0.0602% | 6,545 |
| Net operating income to assets | 0.4101% | 4,497 |
| Return on assets (ROA) | 0.4964% | 4,270 |
| Pretax return on assets | 0.6067% | 4,300 |
| Return on Equity (ROE) | 6.1514% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.1514% | 1,745 |
| Net charge-offs to loans | 0.0645% | 6,148 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 12.4444% | 1,501 |
| Efficiency ratio | 87.4439% | 1,526 |
| Assets per employee ($millions) | 2.5069% | 7,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5710% | 1,320 |
| Loan loss allowance to noncurrent loans | 47.8437% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 3.6998% | 1,856 |
| Noncurrent loans to loans | 5.3737% | 1,224 |
| Net loans and leases to total assets | 67.0805% | 3,197 |
| Net loans and leases to deposits | 73.4254% | 4,293 |
| Net loans and leases to core deposits | 74.4535% | 4,921 |
| Total domestic deposits to total assets | 91.3588% | 437 |
| Equity capital to assets | 8.2373% | 6,220 |
| Core capital (leverage) ratio | 8.0770% | 6,067 |
| Tier 1 risk-based capital ratio | 13.6801% | 4,078 |
| Total risk-based capital ratio | 14.9511% | 4,032 |
| Memoranda: | ||
| Average total assets | $19,943,600 | 7,469 |
| Average earning assets | $17,533,400 | 7,461 |
| Average equity | $1,609,400 | 7,566 |
| Average total loans | $13,952,800 | 7,208 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9522% | 1,030 |
| Cost of funding earning assets | 1.5437% | 2,707 |
| Net interest margin | 4.4084% | 1,499 |
| Noninterest income to average assets | 0.7096% | 2,767 |
| Noninterest expense to average assets | 3.7490% | 1,476 |
| Loan and lease loss provision to assets | 0.0603% | 6,464 |
| Net operating income to assets | 0.5356% | 4,160 |
| Return on assets (ROA) | 0.5356% | 4,327 |
| Pretax return on assets | 0.7431% | 4,103 |
| Return on Equity (ROE) | 6.6715% | 3,500 |
| Retained earnings to average equity (ytd only) | 6.6715% | 2,004 |
| Net charge-offs to loans | 0.0953% | 5,581 |
| Credit loss provision to net charge-offs | 90.0000% | 4,763 |
| Earnings coverage of net charge-offs (x) | 12.0030% | 1,732 |
| Efficiency ratio | 82.3529% | 2,024 |
| Assets per employee ($millions) | 2.4364% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4678% | 1,375 |
| 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 | 71.1713% | 2,448 |
| Net loans and leases to deposits | 78.3950% | 3,757 |
| Net loans and leases to core deposits | 79.5276% | 4,584 |
| Total domestic deposits to total assets | 90.7855% | 524 |
| Equity capital to assets | 8.5629% | 6,204 |
| Core capital (leverage) ratio | 8.2015% | 6,036 |
| Tier 1 risk-based capital ratio | 13.3835% | 4,287 |
| Total risk-based capital ratio | 14.6582% | 4,233 |
| Memoranda: | ||
| Average total assets | $19,915,750 | 7,567 |
| Average earning assets | $17,360,250 | 7,565 |
| Average equity | $1,598,750 | 7,665 |
| Average total loans | $13,989,000 | 7,299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0161% | 914 |
| Cost of funding earning assets | 1.5414% | 3,005 |
| Net interest margin | 4.4747% | 1,256 |
| Noninterest income to average assets | 0.7179% | 2,588 |
| Noninterest expense to average assets | 3.7393% | 1,478 |
| Loan and lease loss provision to assets | 0.0598% | 6,353 |
| Net operating income to assets | 0.5684% | 4,007 |
| Return on assets (ROA) | 0.5684% | 4,151 |
| Pretax return on assets | 0.7977% | 3,891 |
| Return on Equity (ROE) | 7.2366% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.2366% | 1,736 |
| Net charge-offs to loans | 0.1725% | 4,582 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,353 |
| Efficiency ratio | 81.3449% | 2,251 |
| Assets per employee ($millions) | 2.5195% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5571% | 1,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 65.4148% | 3,959 |
| Net loans and leases to deposits | 71.5022% | 5,074 |
| Net loans and leases to core deposits | 71.5022% | 5,721 |
| Total domestic deposits to total assets | 91.4864% | 332 |
| Equity capital to assets | 8.0224% | 6,736 |
| Core capital (leverage) ratio | 8.0254% | 6,241 |
| Tier 1 risk-based capital ratio | 13.6531% | 3,975 |
| Total risk-based capital ratio | 14.9208% | 3,917 |
| Memoranda: | ||
| Average total assets | $20,057,330 | 7,626 |
| Average earning assets | $17,386,670 | 7,628 |
| Average equity | $1,575,330 | 7,737 |
| Average total loans | $13,911,000 | 7,358 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3867% | 450 |
| Cost of funding earning assets | 1.5907% | 3,016 |
| Net interest margin | 4.7960% | 652 |
| Noninterest income to average assets | 0.7397% | 2,361 |
| Noninterest expense to average assets | 3.8185% | 1,300 |
| Loan and lease loss provision to assets | 0.0600% | 6,040 |
| Net operating income to assets | 0.6198% | 3,806 |
| Return on assets (ROA) | 0.6198% | 3,941 |
| Pretax return on assets | 0.8996% | 3,471 |
| Return on Equity (ROE) | 7.9768% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.9768% | 1,716 |
| Net charge-offs to loans | 0.3120% | 3,167 |
| Credit loss provision to net charge-offs | 27.2727% | 4,858 |
| Earnings coverage of net charge-offs (x) | 4.3636% | 2,646 |
| Efficiency ratio | 79.9163% | 2,576 |
| Assets per employee ($millions) | 2.5363% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4594% | 1,349 |
| Loan loss allowance to noncurrent loans | 59.5156% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.8487% | 2,537 |
| Noncurrent loans to loans | 4.1324% | 1,873 |
| Net loans and leases to total assets | 67.2400% | 3,566 |
| Net loans and leases to deposits | 73.2825% | 4,861 |
| Net loans and leases to core deposits | 73.2825% | 5,580 |
| Total domestic deposits to total assets | 91.7546% | 303 |
| Equity capital to assets | 7.7427% | 6,891 |
| Core capital (leverage) ratio | 7.9594% | 6,294 |
| Tier 1 risk-based capital ratio | 12.9630% | 4,362 |
| Total risk-based capital ratio | 14.2361% | 4,314 |
| Memoranda: | ||
| Average total assets | $20,008,000 | 7,723 |
| Average earning assets | $16,847,500 | 7,735 |
| Average equity | $1,554,500 | 7,828 |
| Average total loans | $14,101,000 | 7,445 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6394% | 3,400 |
| Cost of funding earning assets | 1.6868% | 4,581 |
| Net interest margin | 3.9526% | 3,067 |
| Noninterest income to average assets | 0.9075% | 1,917 |
| Noninterest expense to average assets | 3.9746% | 1,395 |
| Loan and lease loss provision to assets | 0.3143% | 4,933 |
| Net operating income to assets | 0.2059% | 4,885 |
| Return on assets (ROA) | 0.5729% | 3,507 |
| Pretax return on assets | 0.6084% | 3,881 |
| Return on Equity (ROE) | 7.4479% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.2615% | 1,246 |
| Net charge-offs to loans | -0.0275% | 7,809 |
| Credit loss provision to net charge-offs | -1,550.0000% | 7,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1890% | 1,865 |
| Assets per employee ($millions) | 2.4658% | 7,257 |
| Cash dividends to net income (ytd only)* | 15.9292% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 1,262 |
| Loan loss allowance to noncurrent loans | 60.2740% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.9606% | 2,368 |
| Noncurrent loans to loans | 4.1083% | 1,791 |
| Net loans and leases to total assets | 70.2778% | 3,188 |
| Net loans and leases to deposits | 76.7183% | 4,622 |
| Net loans and leases to core deposits | 87.7183% | 5,355 |
| Total domestic deposits to total assets | 91.6050% | 348 |
| Equity capital to assets | 7.7968% | 6,771 |
| Core capital (leverage) ratio | 8.0293% | 6,120 |
| Tier 1 risk-based capital ratio | 12.4980% | 4,526 |
| Total risk-based capital ratio | 13.7673% | 4,457 |
| Memoranda: | ||
| Average total assets | $19,725,200 | 7,783 |
| Average earning assets | $17,963,000 | 7,762 |
| Average equity | $1,517,200 | 7,926 |
| Average total loans | $14,530,000 | 7,475 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 4,063 |
| Cost of funding earning assets | 1.7068% | 4,859 |
| Net interest margin | 3.8585% | 3,393 |
| Noninterest income to average assets | 0.9869% | 1,655 |
| Noninterest expense to average assets | 4.0692% | 1,186 |
| Loan and lease loss provision to assets | 0.3988% | 3,923 |
| Net operating income to assets | 0.0931% | 5,483 |
| Return on assets (ROA) | 0.6084% | 3,634 |
| Pretax return on assets | 0.6151% | 4,144 |
| Return on Equity (ROE) | 7.9365% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.3492% | 1,792 |
| Net charge-offs to loans | -0.0365% | 7,826 |
| Credit loss provision to net charge-offs | -1,475.0000% | 7,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1852% | 1,768 |
| Assets per employee ($millions) | 2.4033% | 7,376 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3958% | 1,172 |
| Loan loss allowance to noncurrent loans | 59.4549% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 3.0532% | 2,259 |
| Noncurrent loans to loans | 4.0297% | 1,823 |
| Net loans and leases to total assets | 73.9519% | 2,536 |
| Net loans and leases to deposits | 81.0743% | 4,184 |
| Net loans and leases to core deposits | 92.4267% | 5,191 |
| Total domestic deposits to total assets | 91.2150% | 337 |
| Equity capital to assets | 7.8956% | 6,950 |
| Core capital (leverage) ratio | 7.7805% | 6,632 |
| Tier 1 risk-based capital ratio | 12.3299% | 4,680 |
| Total risk-based capital ratio | 13.6012% | 4,609 |
| Memoranda: | ||
| Average total assets | $19,725,000 | 7,858 |
| Average earning assets | $18,279,500 | 7,833 |
| Average equity | $1,512,000 | 8,010 |
| Average total loans | $14,608,750 | 7,538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5205% | 4,508 |
| Cost of funding earning assets | 1.7245% | 5,155 |
| Net interest margin | 3.7960% | 3,564 |
| Noninterest income to average assets | 0.9351% | 1,820 |
| Noninterest expense to average assets | 4.1023% | 1,188 |
| Loan and lease loss provision to assets | 0.5631% | 2,766 |
| Net operating income to assets | -0.1508% | 6,106 |
| Return on assets (ROA) | 0.6234% | 3,682 |
| Pretax return on assets | 0.5631% | 4,432 |
| Return on Equity (ROE) | 8.2119% | 2,684 |
| Retained earnings to average equity (ytd only) | 5.8278% | 2,104 |
| Net charge-offs to loans | -0.0410% | 7,819 |
| Credit loss provision to net charge-offs | -1,866.6667% | 7,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0993% | 1,633 |
| Assets per employee ($millions) | 2.4405% | 7,364 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4178% | 972 |
| Loan loss allowance to noncurrent loans | 58.1788% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 3.0373% | 2,089 |
| Noncurrent loans to loans | 4.1559% | 1,600 |
| Net loans and leases to total assets | 71.3174% | 3,398 |
| Net loans and leases to deposits | 77.9227% | 4,886 |
| Net loans and leases to core deposits | 87.9762% | 5,722 |
| Total domestic deposits to total assets | 91.5233% | 319 |
| Equity capital to assets | 7.6572% | 7,128 |
| Core capital (leverage) ratio | 7.7103% | 6,742 |
| Tier 1 risk-based capital ratio | 11.9655% | 4,953 |
| Total risk-based capital ratio | 13.2378% | 4,849 |
| Memoranda: | ||
| Average total assets | $19,891,330 | 7,929 |
| Average earning assets | $18,440,330 | 7,905 |
| Average equity | $1,510,000 | 8,096 |
| Average total loans | $14,622,670 | 7,613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 4,959 |
| Cost of funding earning assets | 1.7444% | 5,386 |
| Net interest margin | 3.7473% | 3,667 |
| Noninterest income to average assets | 0.7970% | 2,344 |
| Noninterest expense to average assets | 4.1245% | 1,035 |
| Loan and lease loss provision to assets | 1.0560% | 1,240 |
| Net operating income to assets | -0.6775% | 7,031 |
| Return on assets (ROA) | 0.8568% | 3,039 |
| Pretax return on assets | 0.6177% | 4,705 |
| Return on Equity (ROE) | 11.3344% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.5898% | 2,381 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7290% | 1,283 |
| Assets per employee ($millions) | 2.4750% | 7,333 |
| Cash dividends to net income (ytd only)* | 41.8605% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3331% | 912 |
| Loan loss allowance to noncurrent loans | 56.7839% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 3.0152% | 1,873 |
| Noncurrent loans to loans | 4.1087% | 1,455 |
| Net loans and leases to total assets | 71.6717% | 3,308 |
| Net loans and leases to deposits | 78.0927% | 4,908 |
| Net loans and leases to core deposits | 87.9244% | 5,748 |
| Total domestic deposits to total assets | 91.7778% | 216 |
| Equity capital to assets | 7.4747% | 7,369 |
| Core capital (leverage) ratio | 7.4132% | 7,262 |
| Tier 1 risk-based capital ratio | 11.6419% | 5,256 |
| Total risk-based capital ratio | 12.9117% | 5,159 |
| Memoranda: | ||
| Average total assets | $20,075,000 | 7,974 |
| Average earning assets | $18,573,500 | 7,942 |
| Average equity | $1,517,500 | 8,152 |
| Average total loans | $14,799,500 | 7,645 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5541% | 2,700 |
| Cost of funding earning assets | 2.2983% | 5,155 |
| Net interest margin | 4.2558% | 2,101 |
| Noninterest income to average assets | 0.7933% | 2,556 |
| Noninterest expense to average assets | 4.3357% | 1,004 |
| Loan and lease loss provision to assets | 0.1048% | 6,037 |
| Net operating income to assets | 0.2495% | 5,711 |
| Return on assets (ROA) | 0.2495% | 5,521 |
| Pretax return on assets | 0.2794% | 5,552 |
| Return on Equity (ROE) | 3.2663% | 5,132 |
| Retained earnings to average equity (ytd only) | -1.4372% | 5,719 |
| Net charge-offs to loans | 0.0543% | 6,009 |
| Credit loss provision to net charge-offs | 262.5000% | 1,766 |
| Earnings coverage of net charge-offs (x) | 9.6250% | 2,663 |
| Efficiency ratio | 91.8605% | 1,390 |
| Assets per employee ($millions) | 2.2611% | 7,614 |
| Cash dividends to net income (ytd only)* | 144.0000% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 1,421 |
| Loan loss allowance to noncurrent loans | 36.9509% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 3.8034% | 1,121 |
| Noncurrent loans to loans | 5.1364% | 836 |
| Net loans and leases to total assets | 72.6437% | 3,450 |
| Net loans and leases to deposits | 79.5127% | 5,130 |
| Net loans and leases to core deposits | 89.3395% | 5,859 |
| Total domestic deposits to total assets | 91.3612% | 233 |
| Equity capital to assets | 7.6413% | 7,267 |
| Core capital (leverage) ratio | 7.1443% | 7,577 |
| Tier 1 risk-based capital ratio | 10.9367% | 5,782 |
| Total risk-based capital ratio | 12.1957% | 5,685 |
| Memoranda: | ||
| Average total assets | $20,042,800 | 8,010 |
| Average earning assets | $18,492,200 | 7,989 |
| Average equity | $1,530,800 | 8,211 |
| Average total loans | $14,728,600 | 7,666 |