Home > First Security Bank-Hendricks > Performance and Condition Ratios
First Security Bank-Hendricks, 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 | 4.4354% | 3,941 |
| Cost of funding earning assets | 1.2437% | 3,761 |
| Net interest margin | 3.1917% | 2,741 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 1.6496% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.5720% | 806 |
| Return on assets (ROA) | 1.5720% | 802 |
| Pretax return on assets | 1.6838% | 999 |
| Return on Equity (ROE) | 14.9000% | 945 |
| Retained earnings to average equity (ytd only) | 14.8979% | 136 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 49.4867% | 4,014 |
| Assets per employee ($millions) | 6.9785% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 535 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 38.5900% | 4,047 |
| Net loans and leases to deposits | 43.7329% | 4,077 |
| Net loans and leases to core deposits | 45.8474% | 4,098 |
| Total domestic deposits to total assets | 88.2400% | 1,422 |
| Equity capital to assets | 11.5139% | 1,357 |
| Core capital (leverage) ratio | 14.9815% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2206% | 238 |
| Memoranda: | ||
| Average total assets | $43,829,800 | 4,272 |
| Average earning assets | $41,890,000 | 4,238 |
| Average equity | $4,624,800 | 4,276 |
| Average total loans | $17,307,800 | 4,251 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 3,936 |
| Cost of funding earning assets | 1.2459% | 3,763 |
| Net interest margin | 3.1715% | 2,741 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 1.5764% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.6245% | 786 |
| Return on assets (ROA) | 1.6245% | 788 |
| Pretax return on assets | 1.7298% | 968 |
| Return on Equity (ROE) | 15.7300% | 858 |
| Retained earnings to average equity (ytd only) | 15.7347% | 210 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 47.6797% | 4,100 |
| Assets per employee ($millions) | 6.8998% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 892 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 42.0100% | 3,969 |
| Net loans and leases to deposits | 47.8934% | 4,007 |
| Net loans and leases to core deposits | 50.5302% | 4,030 |
| Total domestic deposits to total assets | 87.7200% | 1,324 |
| Equity capital to assets | 12.0124% | 1,290 |
| Core capital (leverage) ratio | 14.9368% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1241% | 253 |
| Memoranda: | ||
| Average total assets | $44,319,500 | 4,293 |
| Average earning assets | $42,376,500 | 4,262 |
| Average equity | $4,575,750 | 4,301 |
| Average total loans | $17,521,500 | 4,271 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 4,000 |
| Cost of funding earning assets | 1.2303% | 3,743 |
| Net interest margin | 3.0965% | 2,856 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 1.5102% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.6029% | 791 |
| Return on assets (ROA) | 1.6029% | 793 |
| Pretax return on assets | 1.7045% | 971 |
| Return on Equity (ROE) | 16.3400% | 789 |
| Retained earnings to average equity (ytd only) | 16.3391% | 225 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 46.9780% | 4,152 |
| Assets per employee ($millions) | 6.8895% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 725 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.6400% | 3,958 |
| Net loans and leases to deposits | 47.9111% | 4,017 |
| Net loans and leases to core deposits | 49.9787% | 4,048 |
| Total domestic deposits to total assets | 89.0000% | 1,007 |
| Equity capital to assets | 10.7942% | 1,664 |
| Core capital (leverage) ratio | 14.2318% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9582% | 278 |
| Memoranda: | ||
| Average total assets | $45,293,000 | 4,309 |
| Average earning assets | $43,404,000 | 4,274 |
| Average equity | $4,443,333 | 4,319 |
| Average total loans | $17,472,000 | 4,292 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 4,201 |
| Cost of funding earning assets | 1.1985% | 3,729 |
| Net interest margin | 2.8729% | 3,242 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 1.3624% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5316% | 852 |
| Return on assets (ROA) | 1.5316% | 863 |
| Pretax return on assets | 1.6162% | 1,076 |
| Return on Equity (ROE) | 16.3300% | 798 |
| Retained earnings to average equity (ytd only) | 16.3284% | 342 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 45.7386% | 4,190 |
| Assets per employee ($millions) | 7.3763% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 37.5200% | 4,100 |
| Net loans and leases to deposits | 41.8547% | 4,147 |
| Net loans and leases to core deposits | 43.5142% | 4,213 |
| Total domestic deposits to total assets | 89.6400% | 917 |
| Equity capital to assets | 10.1541% | 1,913 |
| Core capital (leverage) ratio | 13.3318% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1838% | 290 |
| Memoranda: | ||
| Average total assets | $47,271,000 | 4,322 |
| Average earning assets | $45,390,000 | 4,284 |
| Average equity | $4,434,000 | 4,340 |
| Average total loans | $17,245,500 | 4,318 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,136 |
| Cost of funding earning assets | 0.7730% | 3,803 |
| Net interest margin | 3.0677% | 3,159 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.7066% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4631% | 1,091 |
| Return on assets (ROA) | 1.4631% | 1,061 |
| Pretax return on assets | 1.5193% | 1,375 |
| Return on Equity (ROE) | 16.4800% | 1,020 |
| Retained earnings to average equity (ytd only) | 16.4803% | 245 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.9412% | 3,758 |
| Assets per employee ($millions) | 8.3807% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 659 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 34.3800% | 4,203 |
| Net loans and leases to deposits | 37.7335% | 4,246 |
| Net loans and leases to core deposits | 39.0055% | 4,299 |
| Total domestic deposits to total assets | 91.1100% | 477 |
| Equity capital to assets | 8.6986% | 2,903 |
| Core capital (leverage) ratio | 13.1911% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6803% | 348 |
| Memoranda: | ||
| Average total assets | $42,717,000 | 4,373 |
| Average earning assets | $40,877,800 | 4,339 |
| Average equity | $3,792,400 | 4,367 |
| Average total loans | $17,381,600 | 4,326 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 4,128 |
| Cost of funding earning assets | 0.6379% | 3,904 |
| Net interest margin | 3.1519% | 3,023 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.8289% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5382% | 1,046 |
| Return on assets (ROA) | 1.5382% | 1,033 |
| Pretax return on assets | 1.5578% | 1,452 |
| Return on Equity (ROE) | 17.2200% | 1,040 |
| Retained earnings to average equity (ytd only) | 17.2192% | 378 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.0541% | 3,583 |
| Assets per employee ($millions) | 7.1130% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 657 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 39.6300% | 4,072 |
| Net loans and leases to deposits | 43.4762% | 4,120 |
| Net loans and leases to core deposits | 45.2028% | 4,146 |
| Total domestic deposits to total assets | 91.1600% | 632 |
| Equity capital to assets | 8.6274% | 2,647 |
| Core capital (leverage) ratio | 12.9417% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3106% | 372 |
| Memoranda: | ||
| Average total assets | $40,825,250 | 4,401 |
| Average earning assets | $39,087,000 | 4,370 |
| Average equity | $3,647,000 | 4,395 |
| Average total loans | $17,330,250 | 4,347 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,182 |
| Cost of funding earning assets | 0.4993% | 3,977 |
| Net interest margin | 3.1624% | 3,074 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.8454% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5022% | 1,099 |
| Return on assets (ROA) | 1.5022% | 1,100 |
| Pretax return on assets | 1.5320% | 1,535 |
| Return on Equity (ROE) | 16.6100% | 1,165 |
| Retained earnings to average equity (ytd only) | 16.6147% | 417 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.6392% | 3,560 |
| Assets per employee ($millions) | 6.8002% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 695 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.6600% | 3,980 |
| Net loans and leases to deposits | 46.0174% | 4,048 |
| Net loans and leases to core deposits | 48.4093% | 4,055 |
| Total domestic deposits to total assets | 90.5300% | 775 |
| Equity capital to assets | 9.2743% | 2,332 |
| Core capital (leverage) ratio | 13.3651% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7792% | 361 |
| Memoranda: | ||
| Average total assets | $40,207,667 | 4,429 |
| Average earning assets | $38,451,333 | 4,397 |
| Average equity | $3,635,333 | 4,426 |
| Average total loans | $17,369,333 | 4,369 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5117% | 4,244 |
| Cost of funding earning assets | 0.3049% | 4,186 |
| Net interest margin | 3.2068% | 3,101 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.8040% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5334% | 1,110 |
| Return on assets (ROA) | 1.5334% | 1,092 |
| Pretax return on assets | 1.5935% | 1,476 |
| Return on Equity (ROE) | 17.1900% | 1,144 |
| Retained earnings to average equity (ytd only) | 17.1862% | 576 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.0973% | 3,699 |
| Assets per employee ($millions) | 6.6783% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 750 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 42.4500% | 3,933 |
| Net loans and leases to deposits | 46.8981% | 3,999 |
| Net loans and leases to core deposits | 48.1841% | 4,043 |
| Total domestic deposits to total assets | 90.5100% | 975 |
| Equity capital to assets | 9.3362% | 2,271 |
| Core capital (leverage) ratio | 13.2714% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4098% | 379 |
| Memoranda: | ||
| Average total assets | $39,911,000 | 4,495 |
| Average earning assets | $38,044,500 | 4,465 |
| Average equity | $3,561,000 | 4,493 |
| Average total loans | $17,405,500 | 4,431 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9790% | 4,160 |
| Cost of funding earning assets | 0.0850% | 4,458 |
| Net interest margin | 2.8940% | 3,696 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.8128% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3207% | 1,357 |
| Return on assets (ROA) | 1.3488% | 1,242 |
| Pretax return on assets | 1.5051% | 1,441 |
| Return on Equity (ROE) | 15.4100% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.1715% | 2,167 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.1573% | 3,665 |
| Assets per employee ($millions) | 6.6253% | 2,243 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 789 |
| Loan loss allowance to noncurrent loans | 576.9231% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 2,601 |
| Noncurrent loans to loans | 0.2971% | 2,077 |
| Net loans and leases to total assets | 43.2700% | 3,918 |
| Net loans and leases to deposits | 47.3324% | 3,998 |
| Net loans and leases to core deposits | 48.2728% | 4,050 |
| Total domestic deposits to total assets | 91.4200% | 804 |
| Equity capital to assets | 8.5052% | 2,700 |
| Core capital (leverage) ratio | 12.9738% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0047% | 370 |
| Memoranda: | ||
| Average total assets | $41,592,400 | 4,514 |
| Average earning assets | $40,013,200 | 4,477 |
| Average equity | $3,639,400 | 4,555 |
| Average total loans | $17,242,800 | 4,452 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8772% | 4,088 |
| Cost of funding earning assets | 0.0690% | 4,482 |
| Net interest margin | 2.8083% | 3,719 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.7565% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3358% | 1,251 |
| Return on assets (ROA) | 1.3729% | 1,135 |
| Pretax return on assets | 1.5282% | 1,332 |
| Return on Equity (ROE) | 15.5900% | 1,062 |
| Retained earnings to average equity (ytd only) | 4.7875% | 3,167 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.1544% | 3,810 |
| Assets per employee ($millions) | 5.6890% | 3,043 |
| Cash dividends to net income (ytd only)* | 69.2841% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 947 |
| Loan loss allowance to noncurrent loans | 566.0377% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 2,679 |
| Noncurrent loans to loans | 0.2931% | 2,195 |
| Net loans and leases to total assets | 44.6500% | 3,840 |
| Net loans and leases to deposits | 48.3127% | 3,941 |
| Net loans and leases to core deposits | 48.7204% | 4,012 |
| Total domestic deposits to total assets | 92.4200% | 737 |
| Equity capital to assets | 7.5283% | 3,205 |
| Core capital (leverage) ratio | 12.3074% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7106% | 452 |
| Memoranda: | ||
| Average total assets | $42,052,500 | 4,541 |
| Average earning assets | $40,593,500 | 4,506 |
| Average equity | $3,704,000 | 4,598 |
| Average total loans | $17,178,000 | 4,483 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7598% | 4,048 |
| Cost of funding earning assets | 0.0628% | 4,507 |
| Net interest margin | 2.6970% | 3,703 |
| Noninterest income to average assets | 0.3412% | 3,115 |
| Noninterest expense to average assets | 1.7291% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0621% | 1,933 |
| Return on assets (ROA) | 1.0702% | 1,872 |
| Pretax return on assets | 1.2291% | 1,963 |
| Return on Equity (ROE) | 11.6263% | 1,783 |
| Retained earnings to average equity (ytd only) | -3.6047% | 4,486 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6371% | 3,472 |
| Assets per employee ($millions) | 6.7405% | 2,127 |
| Cash dividends to net income (ytd only)* | 131.0044% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 919 |
| Loan loss allowance to noncurrent loans | 535.7143% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,747 |
| Noncurrent loans to loans | 0.3226% | 2,189 |
| Net loans and leases to total assets | 42.1853% | 3,960 |
| Net loans and leases to deposits | 45.9556% | 4,030 |
| Net loans and leases to core deposits | 46.3400% | 4,109 |
| Total domestic deposits to total assets | 91.7959% | 930 |
| Equity capital to assets | 8.1646% | 2,997 |
| Core capital (leverage) ratio | 11.3169% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4035% | 456 |
| Memoranda: | ||
| Average total assets | $42,795,667 | 4,580 |
| Average earning assets | $41,379,333 | 4,558 |
| Average equity | $3,939,333 | 4,622 |
| Average total loans | $16,877,000 | 4,547 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6095% | 4,101 |
| Cost of funding earning assets | 0.0563% | 4,558 |
| Net interest margin | 2.5532% | 3,782 |
| Noninterest income to average assets | 0.2911% | 3,380 |
| Noninterest expense to average assets | 1.6374% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9655% | 2,017 |
| Return on assets (ROA) | 0.9733% | 1,984 |
| Pretax return on assets | 1.1371% | 2,029 |
| Return on Equity (ROE) | 10.0517% | 1,951 |
| Retained earnings to average equity (ytd only) | -18.1306% | 4,680 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2105% | 3,561 |
| Assets per employee ($millions) | 7.1997% | 1,860 |
| Cash dividends to net income (ytd only)* | 280.3738% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 877 |
| Loan loss allowance to noncurrent loans | 526.3158% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,871 |
| Noncurrent loans to loans | 0.3425% | 2,255 |
| Net loans and leases to total assets | 37.8351% | 4,122 |
| Net loans and leases to deposits | 41.3709% | 4,184 |
| Net loans and leases to core deposits | 41.6960% | 4,252 |
| Total domestic deposits to total assets | 91.4533% | 828 |
| Equity capital to assets | 8.4634% | 3,196 |
| Core capital (leverage) ratio | 10.4370% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0263% | 489 |
| Memoranda: | ||
| Average total assets | $43,972,000 | 4,597 |
| Average earning assets | $42,614,000 | 4,569 |
| Average equity | $4,258,000 | 4,637 |
| Average total loans | $16,635,000 | 4,569 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 3,458 |
| Cost of funding earning assets | 0.0693% | 4,593 |
| Net interest margin | 3.1359% | 2,778 |
| Noninterest income to average assets | 0.3362% | 3,405 |
| Noninterest expense to average assets | 1.5960% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6343% | 732 |
| Return on assets (ROA) | 1.6536% | 735 |
| Pretax return on assets | 1.7849% | 945 |
| Return on Equity (ROE) | 15.3150% | 882 |
| Retained earnings to average equity (ytd only) | 8.9160% | 1,226 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4983% | 4,438 |
| Assets per employee ($millions) | 7.4577% | 1,644 |
| Cash dividends to net income (ytd only)* | 41.7827% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 857 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 3,000 |
| Noncurrent loans to loans | 0.3609% | 2,292 |
| Net loans and leases to total assets | 36.4859% | 4,263 |
| Net loans and leases to deposits | 40.9501% | 4,307 |
| Net loans and leases to core deposits | 41.2690% | 4,360 |
| Total domestic deposits to total assets | 89.0985% | 1,456 |
| Equity capital to assets | 10.8613% | 1,891 |
| Core capital (leverage) ratio | 11.5580% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9533% | 448 |
| Memoranda: | ||
| Average total assets | $43,420,200 | 4,629 |
| Average earning assets | $41,870,000 | 4,596 |
| Average equity | $4,688,200 | 4,655 |
| Average total loans | $16,675,200 | 4,622 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 3,607 |
| Cost of funding earning assets | 0.0771% | 4,650 |
| Net interest margin | 3.1221% | 2,993 |
| Noninterest income to average assets | 0.3280% | 3,468 |
| Noninterest expense to average assets | 1.5502% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7854% | 687 |
| Return on assets (ROA) | 1.8133% | 676 |
| Pretax return on assets | 1.8133% | 1,136 |
| Return on Equity (ROE) | 16.8196% | 794 |
| Retained earnings to average equity (ytd only) | 8.2089% | 1,990 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4750% | 4,475 |
| Assets per employee ($millions) | 6.8788% | 1,953 |
| Cash dividends to net income (ytd only)* | 51.1945% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 771 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 3,141 |
| Noncurrent loans to loans | 0.3801% | 2,419 |
| Net loans and leases to total assets | 37.5233% | 4,320 |
| Net loans and leases to deposits | 42.5455% | 4,364 |
| Net loans and leases to core deposits | 42.9074% | 4,416 |
| Total domestic deposits to total assets | 88.1957% | 1,721 |
| Equity capital to assets | 11.6735% | 1,555 |
| Core capital (leverage) ratio | 10.7705% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6507% | 446 |
| Memoranda: | ||
| Average total assets | $43,088,750 | 4,697 |
| Average earning assets | $41,510,000 | 4,666 |
| Average equity | $4,645,250 | 4,725 |
| Average total loans | $16,687,500 | 4,691 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0549% | 3,948 |
| Cost of funding earning assets | 0.0855% | 4,666 |
| Net interest margin | 2.9694% | 3,396 |
| Noninterest income to average assets | 0.3067% | 3,599 |
| Noninterest expense to average assets | 1.5334% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6341% | 975 |
| Return on assets (ROA) | 1.6753% | 960 |
| Pretax return on assets | 1.6753% | 1,544 |
| Return on Equity (ROE) | 15.9558% | 967 |
| Retained earnings to average equity (ytd only) | 2.8773% | 3,877 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4104% | 4,357 |
| Assets per employee ($millions) | 7.5520% | 1,447 |
| Cash dividends to net income (ytd only)* | 81.9672% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 34.7325% | 4,511 |
| Net loans and leases to deposits | 38.8008% | 4,553 |
| Net loans and leases to core deposits | 39.3430% | 4,594 |
| Total domestic deposits to total assets | 89.5149% | 1,021 |
| Equity capital to assets | 10.2357% | 2,630 |
| Core capital (leverage) ratio | 10.1970% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9456% | 545 |
| Memoranda: | ||
| Average total assets | $43,694,000 | 4,722 |
| Average earning assets | $42,096,667 | 4,682 |
| Average equity | $4,587,667 | 4,763 |
| Average total loans | $16,987,667 | 4,716 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9038% | 4,249 |
| Cost of funding earning assets | 0.0865% | 4,715 |
| Net interest margin | 2.8172% | 3,716 |
| Noninterest income to average assets | 0.2891% | 3,677 |
| Noninterest expense to average assets | 1.4924% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5297% | 1,267 |
| Return on assets (ROA) | 1.5297% | 1,330 |
| Pretax return on assets | 1.5297% | 1,918 |
| Return on Equity (ROE) | 14.3781% | 1,355 |
| Retained earnings to average equity (ytd only) | -11.9233% | 4,841 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3827% | 4,239 |
| Assets per employee ($millions) | 7.3345% | 1,572 |
| Cash dividends to net income (ytd only)* | 182.9268% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 1,042 |
| 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 | 39.3619% | 4,368 |
| Net loans and leases to deposits | 43.8720% | 4,423 |
| Net loans and leases to core deposits | 44.5010% | 4,483 |
| Total domestic deposits to total assets | 89.7198% | 950 |
| Equity capital to assets | 10.0257% | 2,683 |
| Core capital (leverage) ratio | 9.8543% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0757% | 447 |
| Memoranda: | ||
| Average total assets | $42,885,000 | 4,751 |
| Average earning assets | $41,601,000 | 4,713 |
| Average equity | $4,562,500 | 4,786 |
| Average total loans | $17,462,500 | 4,736 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 3,912 |
| Cost of funding earning assets | 0.2053% | 4,565 |
| Net interest margin | 3.3518% | 2,921 |
| Noninterest income to average assets | 0.3998% | 3,087 |
| Noninterest expense to average assets | 1.7565% | 4,535 |
| Loan and lease loss provision to assets | 0.0453% | 3,834 |
| Net operating income to assets | 1.8178% | 370 |
| Return on assets (ROA) | 1.8178% | 403 |
| Pretax return on assets | 1.8178% | 663 |
| Return on Equity (ROE) | 15.8178% | 524 |
| Retained earnings to average equity (ytd only) | 11.1791% | 419 |
| Net charge-offs to loans | -0.0675% | 4,733 |
| Credit loss provision to net charge-offs | -154.5455% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5272% | 4,610 |
| Assets per employee ($millions) | 6.9605% | 1,608 |
| Cash dividends to net income (ytd only)* | 29.3255% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 40.7131% | 4,412 |
| Net loans and leases to deposits | 45.9168% | 4,465 |
| Net loans and leases to core deposits | 46.6142% | 4,529 |
| Total domestic deposits to total assets | 88.6670% | 1,133 |
| Equity capital to assets | 11.2851% | 2,029 |
| Core capital (leverage) ratio | 10.4834% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6231% | 461 |
| Memoranda: | ||
| Average total assets | $37,518,800 | 4,798 |
| Average earning assets | $36,040,000 | 4,768 |
| Average equity | $4,311,600 | 4,820 |
| Average total loans | $16,297,200 | 4,781 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 3,523 |
| Cost of funding earning assets | 0.2402% | 4,536 |
| Net interest margin | 3.5730% | 2,351 |
| Noninterest income to average assets | 0.4023% | 3,066 |
| Noninterest expense to average assets | 1.8030% | 4,492 |
| Loan and lease loss provision to assets | 0.0439% | 3,810 |
| Net operating income to assets | 1.9822% | 311 |
| Return on assets (ROA) | 1.9822% | 339 |
| Pretax return on assets | 1.9822% | 534 |
| Return on Equity (ROE) | 17.1600% | 431 |
| Retained earnings to average equity (ytd only) | 10.8279% | 607 |
| Net charge-offs to loans | -0.0914% | 4,807 |
| Credit loss provision to net charge-offs | -109.0909% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0869% | 4,659 |
| Assets per employee ($millions) | 8.1358% | 951 |
| Cash dividends to net income (ytd only)* | 36.9004% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 42.8600% | 4,467 |
| Net loans and leases to deposits | 48.3098% | 4,544 |
| Net loans and leases to core deposits | 49.4189% | 4,592 |
| Total domestic deposits to total assets | 88.7190% | 890 |
| Equity capital to assets | 11.1925% | 2,236 |
| Core capital (leverage) ratio | 10.6340% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3514% | 553 |
| Memoranda: | ||
| Average total assets | $36,457,750 | 4,840 |
| Average earning assets | $34,965,250 | 4,807 |
| Average equity | $4,211,250 | 4,851 |
| Average total loans | $16,045,750 | 4,818 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,071 |
| Cost of funding earning assets | 0.2804% | 4,532 |
| Net interest margin | 3.8122% | 1,805 |
| Noninterest income to average assets | 0.3994% | 3,084 |
| Noninterest expense to average assets | 1.9572% | 4,317 |
| Loan and lease loss provision to assets | 0.0171% | 4,020 |
| Net operating income to assets | 2.0713% | 284 |
| Return on assets (ROA) | 2.0713% | 320 |
| Pretax return on assets | 2.0713% | 479 |
| Return on Equity (ROE) | 17.7188% | 394 |
| Retained earnings to average equity (ytd only) | 7.9564% | 1,322 |
| Net charge-offs to loans | -0.1292% | 4,888 |
| Credit loss provision to net charge-offs | -30.0000% | 3,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3780% | 4,600 |
| Assets per employee ($millions) | 7.8714% | 1,017 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 43.8372% | 4,455 |
| Net loans and leases to deposits | 49.3070% | 4,559 |
| Net loans and leases to core deposits | 50.1031% | 4,618 |
| Total domestic deposits to total assets | 88.9067% | 784 |
| Equity capital to assets | 11.0095% | 2,335 |
| Core capital (leverage) ratio | 11.0617% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1306% | 657 |
| Memoranda: | ||
| Average total assets | $35,050,667 | 4,880 |
| Average earning assets | $33,523,667 | 4,848 |
| Average equity | $4,097,333 | 4,886 |
| Average total loans | $15,484,333 | 4,856 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,119 |
| Cost of funding earning assets | 0.3574% | 4,498 |
| Net interest margin | 3.4978% | 2,994 |
| Noninterest income to average assets | 0.4377% | 2,860 |
| Noninterest expense to average assets | 1.8360% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9333% | 307 |
| Return on assets (ROA) | 1.9333% | 335 |
| Pretax return on assets | 1.9333% | 527 |
| Return on Equity (ROE) | 15.9819% | 427 |
| Retained earnings to average equity (ytd only) | -4.1211% | 4,449 |
| Net charge-offs to loans | -0.2490% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7097% | 4,725 |
| Assets per employee ($millions) | 6.6298% | 1,275 |
| Cash dividends to net income (ytd only)* | 125.7862% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 617 |
| 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 | 44.1280% | 4,499 |
| Net loans and leases to deposits | 50.2387% | 4,583 |
| Net loans and leases to core deposits | 51.6909% | 4,640 |
| Total domestic deposits to total assets | 87.8367% | 1,169 |
| Equity capital to assets | 12.0154% | 2,056 |
| Core capital (leverage) ratio | 11.9709% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5205% | 413 |
| Memoranda: | ||
| Average total assets | $32,897,500 | 4,943 |
| Average earning assets | $31,334,000 | 4,917 |
| Average equity | $3,979,500 | 4,940 |
| Average total loans | $14,457,500 | 4,915 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 4,434 |
| Cost of funding earning assets | 0.4331% | 4,330 |
| Net interest margin | 3.4647% | 3,551 |
| Noninterest income to average assets | 0.5289% | 2,585 |
| Noninterest expense to average assets | 2.0414% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7899% | 533 |
| Return on assets (ROA) | 1.8189% | 528 |
| Pretax return on assets | 1.8189% | 892 |
| Return on Equity (ROE) | 15.0931% | 677 |
| Retained earnings to average equity (ytd only) | 9.7410% | 543 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2828% | 4,495 |
| Assets per employee ($millions) | 5.4410% | 2,109 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 508 |
| Loan loss allowance to noncurrent loans | 9,066.6667% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,627 |
| Noncurrent loans to loans | 0.0214% | 4,483 |
| Net loans and leases to total assets | 42.0664% | 4,674 |
| Net loans and leases to deposits | 47.9705% | 4,744 |
| Net loans and leases to core deposits | 49.3106% | 4,768 |
| Total domestic deposits to total assets | 87.6922% | 1,278 |
| Equity capital to assets | 12.1791% | 2,028 |
| Core capital (leverage) ratio | 12.1227% | 1,699 |
| Tier 1 risk-based capital ratio | 24.1281% | 816 |
| Total risk-based capital ratio | 25.3817% | 798 |
| Memoranda: | ||
| Average total assets | $31,007,400 | 5,015 |
| Average earning assets | $29,555,200 | 4,991 |
| Average equity | $3,736,800 | 5,014 |
| Average total loans | $13,536,000 | 4,991 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 4,518 |
| Cost of funding earning assets | 0.4485% | 4,330 |
| Net interest margin | 3.4644% | 3,683 |
| Noninterest income to average assets | 0.5621% | 2,400 |
| Noninterest expense to average assets | 2.0350% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8258% | 579 |
| Return on assets (ROA) | 1.8258% | 614 |
| Pretax return on assets | 1.8258% | 1,018 |
| Return on Equity (ROE) | 15.1931% | 741 |
| Retained earnings to average equity (ytd only) | 7.9410% | 1,430 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7088% | 4,535 |
| Assets per employee ($millions) | 6.1624% | 1,486 |
| Cash dividends to net income (ytd only)* | 47.7329% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 473 |
| Loan loss allowance to noncurrent loans | 461.0169% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 3,797 |
| Noncurrent loans to loans | 0.4332% | 3,008 |
| Net loans and leases to total assets | 43.3175% | 4,714 |
| Net loans and leases to deposits | 49.6171% | 4,784 |
| Net loans and leases to core deposits | 51.5966% | 4,804 |
| Total domestic deposits to total assets | 87.3036% | 1,371 |
| Equity capital to assets | 12.5730% | 1,857 |
| Core capital (leverage) ratio | 12.2652% | 1,701 |
| Tier 1 risk-based capital ratio | 23.7346% | 871 |
| Total risk-based capital ratio | 24.9905% | 855 |
| Memoranda: | ||
| Average total assets | $30,597,750 | 5,094 |
| Average earning assets | $29,133,750 | 5,072 |
| Average equity | $3,677,000 | 5,096 |
| Average total loans | $13,418,750 | 5,071 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 4,619 |
| Cost of funding earning assets | 0.4482% | 4,330 |
| Net interest margin | 3.4132% | 3,853 |
| Noninterest income to average assets | 0.5241% | 2,544 |
| Noninterest expense to average assets | 2.1228% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6445% | 822 |
| Return on assets (ROA) | 1.6445% | 856 |
| Pretax return on assets | 1.6445% | 1,416 |
| Return on Equity (ROE) | 13.9007% | 1,006 |
| Retained earnings to average equity (ytd only) | 2.8244% | 3,798 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3478% | 4,207 |
| Assets per employee ($millions) | 5.9902% | 1,551 |
| Cash dividends to net income (ytd only)* | 79.6813% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 515 |
| Loan loss allowance to noncurrent loans | 320.0000% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 3,420 |
| Noncurrent loans to loans | 0.6085% | 2,438 |
| Net loans and leases to total assets | 45.7280% | 4,650 |
| Net loans and leases to deposits | 52.2230% | 4,732 |
| Net loans and leases to core deposits | 54.3557% | 4,772 |
| Total domestic deposits to total assets | 87.5630% | 1,305 |
| Equity capital to assets | 12.3268% | 1,958 |
| Core capital (leverage) ratio | 11.9100% | 1,881 |
| Tier 1 risk-based capital ratio | 22.7609% | 964 |
| Total risk-based capital ratio | 24.0158% | 946 |
| Memoranda: | ||
| Average total assets | $30,526,330 | 5,139 |
| Average earning assets | $29,005,000 | 5,119 |
| Average equity | $3,611,330 | 5,140 |
| Average total loans | $13,352,000 | 5,120 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 4,686 |
| Cost of funding earning assets | 0.4514% | 4,278 |
| Net interest margin | 3.3653% | 3,993 |
| Noninterest income to average assets | 0.5063% | 2,518 |
| Noninterest expense to average assets | 2.3496% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3500% | 1,529 |
| Return on assets (ROA) | 1.3500% | 1,565 |
| Pretax return on assets | 1.3500% | 2,262 |
| Return on Equity (ROE) | 11.6494% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.6494% | 681 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5088% | 3,312 |
| Assets per employee ($millions) | 6.2780% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0514% | 453 |
| Loan loss allowance to noncurrent loans | 3,022.2222% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,706 |
| Noncurrent loans to loans | 0.0679% | 4,455 |
| Net loans and leases to total assets | 41.3730% | 4,849 |
| Net loans and leases to deposits | 46.9217% | 4,903 |
| Net loans and leases to core deposits | 48.2716% | 4,931 |
| Total domestic deposits to total assets | 88.1746% | 1,243 |
| Equity capital to assets | 11.6884% | 2,245 |
| Core capital (leverage) ratio | 11.5506% | 2,104 |
| Tier 1 risk-based capital ratio | 23.5581% | 880 |
| Total risk-based capital ratio | 24.8116% | 858 |
| Memoranda: | ||
| Average total assets | $30,814,000 | 5,188 |
| Average earning assets | $29,239,500 | 5,165 |
| Average equity | $3,571,000 | 5,196 |
| Average total loans | $13,044,000 | 5,188 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 4,864 |
| Cost of funding earning assets | 0.3161% | 4,493 |
| Net interest margin | 3.2280% | 4,432 |
| Noninterest income to average assets | 0.6371% | 2,116 |
| Noninterest expense to average assets | 2.0595% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6415% | 789 |
| Return on assets (ROA) | 1.6449% | 782 |
| Pretax return on assets | 1.6449% | 1,324 |
| Return on Equity (ROE) | 15.0274% | 823 |
| Retained earnings to average equity (ytd only) | 8.8686% | 917 |
| Net charge-offs to loans | 0.1421% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 28.6471% | 1,644 |
| Efficiency ratio | 55.6466% | 4,451 |
| Assets per employee ($millions) | 7.5595% | 778 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 388 |
| Loan loss allowance to noncurrent loans | 2,720.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,688 |
| Noncurrent loans to loans | 0.0779% | 4,399 |
| Net loans and leases to total assets | 41.5272% | 4,894 |
| Net loans and leases to deposits | 46.9772% | 4,960 |
| Net loans and leases to core deposits | 48.3724% | 4,984 |
| Total domestic deposits to total assets | 88.3987% | 1,117 |
| Equity capital to assets | 11.4855% | 2,258 |
| Core capital (leverage) ratio | 11.4061% | 2,173 |
| Tier 1 risk-based capital ratio | 24.1070% | 818 |
| Total risk-based capital ratio | 25.3524% | 797 |
| Memoranda: | ||
| Average total assets | $29,667,600 | 5,247 |
| Average earning assets | $28,160,000 | 5,221 |
| Average equity | $3,247,400 | 5,263 |
| Average total loans | $11,965,600 | 5,250 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5453% | 4,882 |
| Cost of funding earning assets | 0.2804% | 4,631 |
| Net interest margin | 3.2649% | 4,367 |
| Noninterest income to average assets | 0.6503% | 2,069 |
| Noninterest expense to average assets | 2.0998% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6528% | 834 |
| Return on assets (ROA) | 1.6573% | 833 |
| Pretax return on assets | 1.6573% | 1,390 |
| Return on Equity (ROE) | 15.3344% | 817 |
| Retained earnings to average equity (ytd only) | 6.9777% | 2,136 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9567% | 4,395 |
| Assets per employee ($millions) | 7.2575% | 853 |
| Cash dividends to net income (ytd only)* | 54.4960% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 339 |
| Loan loss allowance to noncurrent loans | 1,070.3704% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 4,507 |
| Noncurrent loans to loans | 0.2089% | 3,962 |
| Net loans and leases to total assets | 43.5343% | 4,899 |
| Net loans and leases to deposits | 49.1579% | 4,979 |
| Net loans and leases to core deposits | 50.6716% | 5,001 |
| Total domestic deposits to total assets | 88.5601% | 1,019 |
| Equity capital to assets | 11.2883% | 2,401 |
| Core capital (leverage) ratio | 11.4692% | 2,191 |
| Tier 1 risk-based capital ratio | 23.7703% | 860 |
| Total risk-based capital ratio | 25.0279% | 843 |
| Memoranda: | ||
| Average total assets | $29,525,000 | 5,316 |
| Average earning assets | $28,055,250 | 5,289 |
| Average equity | $3,191,000 | 5,336 |
| Average total loans | $11,749,750 | 5,318 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3420% | 5,102 |
| Cost of funding earning assets | 0.2275% | 4,871 |
| Net interest margin | 3.1145% | 4,703 |
| Noninterest income to average assets | 0.6602% | 2,048 |
| Noninterest expense to average assets | 2.0815% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5291% | 1,079 |
| Return on assets (ROA) | 1.5291% | 1,079 |
| Pretax return on assets | 1.5291% | 1,712 |
| Return on Equity (ROE) | 14.3565% | 994 |
| Retained earnings to average equity (ytd only) | 1.7076% | 4,565 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6493% | 4,294 |
| Assets per employee ($millions) | 7.5678% | 746 |
| Cash dividends to net income (ytd only)* | 88.1057% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 268 |
| Loan loss allowance to noncurrent loans | 1,032.1429% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 4,552 |
| Noncurrent loans to loans | 0.2346% | 3,870 |
| Net loans and leases to total assets | 38.4725% | 5,112 |
| Net loans and leases to deposits | 43.0377% | 5,170 |
| Net loans and leases to core deposits | 44.2898% | 5,192 |
| Total domestic deposits to total assets | 89.3925% | 774 |
| Equity capital to assets | 10.4886% | 3,130 |
| Core capital (leverage) ratio | 11.1525% | 2,388 |
| Tier 1 risk-based capital ratio | 24.0667% | 828 |
| Total risk-based capital ratio | 25.3283% | 797 |
| Memoranda: | ||
| Average total assets | $29,690,000 | 5,379 |
| Average earning assets | $28,126,670 | 5,353 |
| Average equity | $3,162,330 | 5,399 |
| Average total loans | $11,357,330 | 5,389 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2747% | 5,163 |
| Cost of funding earning assets | 0.2298% | 4,836 |
| Net interest margin | 3.0449% | 4,809 |
| Noninterest income to average assets | 0.7211% | 1,740 |
| Noninterest expense to average assets | 2.1225% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4830% | 1,119 |
| Return on assets (ROA) | 1.4830% | 1,120 |
| Pretax return on assets | 1.4830% | 1,717 |
| Return on Equity (ROE) | 13.8150% | 1,056 |
| Retained earnings to average equity (ytd only) | -11.5336% | 5,400 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8679% | 4,239 |
| Assets per employee ($millions) | 5.8978% | 1,604 |
| Cash dividends to net income (ytd only)* | 183.4862% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7002% | 207 |
| Loan loss allowance to noncurrent loans | 996.5517% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 4,596 |
| Noncurrent loans to loans | 0.2710% | 3,802 |
| Net loans and leases to total assets | 35.3149% | 5,232 |
| Net loans and leases to deposits | 39.4649% | 5,274 |
| Net loans and leases to core deposits | 40.6400% | 5,294 |
| Total domestic deposits to total assets | 89.4842% | 898 |
| Equity capital to assets | 10.3903% | 3,178 |
| Core capital (leverage) ratio | 10.8658% | 2,572 |
| Tier 1 risk-based capital ratio | 25.8550% | 696 |
| Total risk-based capital ratio | 27.1210% | 677 |
| Memoranda: | ||
| Average total assets | $29,399,500 | 5,441 |
| Average earning assets | $27,850,000 | 5,416 |
| Average equity | $3,156,000 | 5,457 |
| Average total loans | $11,068,500 | 5,452 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 4,737 |
| Cost of funding earning assets | 0.2078% | 4,883 |
| Net interest margin | 3.3213% | 4,092 |
| Noninterest income to average assets | 0.5929% | 2,485 |
| Noninterest expense to average assets | 2.1976% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5160% | 774 |
| Return on assets (ROA) | 1.5160% | 785 |
| Pretax return on assets | 1.5160% | 1,575 |
| Return on Equity (ROE) | 13.8054% | 788 |
| Retained earnings to average equity (ytd only) | 7.3392% | 970 |
| Net charge-offs to loans | 0.0903% | 2,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 38.8182% | 1,292 |
| Efficiency ratio | 59.1778% | 4,387 |
| Assets per employee ($millions) | 4.8850% | 2,622 |
| Cash dividends to net income (ytd only)* | 46.8384% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5275% | 236 |
| Loan loss allowance to noncurrent loans | 1,032.1429% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,649 |
| Noncurrent loans to loans | 0.2449% | 3,918 |
| Net loans and leases to total assets | 38.0246% | 5,222 |
| Net loans and leases to deposits | 42.8275% | 5,269 |
| Net loans and leases to core deposits | 44.1142% | 5,289 |
| Total domestic deposits to total assets | 88.7854% | 1,096 |
| Equity capital to assets | 11.0815% | 2,555 |
| Core capital (leverage) ratio | 10.7365% | 2,606 |
| Tier 1 risk-based capital ratio | 24.9095% | 732 |
| Total risk-based capital ratio | 26.1646% | 712 |
| Memoranda: | ||
| Average total assets | $28,167,000 | 5,516 |
| Average earning assets | $26,465,200 | 5,493 |
| Average equity | $3,093,000 | 5,520 |
| Average total loans | $12,187,400 | 5,501 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 4,753 |
| Cost of funding earning assets | 0.2087% | 4,897 |
| Net interest margin | 3.3179% | 4,111 |
| Noninterest income to average assets | 0.6217% | 2,352 |
| Noninterest expense to average assets | 2.1711% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5685% | 769 |
| Return on assets (ROA) | 1.5685% | 786 |
| Pretax return on assets | 1.5685% | 1,521 |
| Return on Equity (ROE) | 14.3184% | 771 |
| Retained earnings to average equity (ytd only) | 5.5876% | 2,486 |
| Net charge-offs to loans | 0.0107% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 328.8120% | 280 |
| Efficiency ratio | 58.0563% | 4,495 |
| Assets per employee ($millions) | 5.0820% | 2,348 |
| Cash dividends to net income (ytd only)* | 60.9759% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4713% | 274 |
| Loan loss allowance to noncurrent loans | 766.6667% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,603 |
| Noncurrent loans to loans | 0.3223% | 3,794 |
| Net loans and leases to total assets | 38.6987% | 5,240 |
| Net loans and leases to deposits | 43.3377% | 5,324 |
| Net loans and leases to core deposits | 44.5754% | 5,353 |
| Total domestic deposits to total assets | 89.2956% | 749 |
| Equity capital to assets | 10.5372% | 3,335 |
| Core capital (leverage) ratio | 10.5461% | 2,935 |
| Tier 1 risk-based capital ratio | 22.7642% | 966 |
| Total risk-based capital ratio | 24.0200% | 951 |
| Memoranda: | ||
| Average total assets | $27,881,250 | 5,581 |
| Average earning assets | $26,200,250 | 5,555 |
| Average equity | $3,054,250 | 5,586 |
| Average total loans | $12,375,750 | 5,559 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6013% | 4,508 |
| Cost of funding earning assets | 0.2206% | 4,798 |
| Net interest margin | 3.3807% | 3,836 |
| Noninterest income to average assets | 0.5701% | 2,600 |
| Noninterest expense to average assets | 2.3028% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4439% | 966 |
| Return on assets (ROA) | 1.4439% | 991 |
| Pretax return on assets | 1.4439% | 1,842 |
| Return on Equity (ROE) | 12.9942% | 1,032 |
| Retained earnings to average equity (ytd only) | -0.3332% | 5,130 |
| Net charge-offs to loans | -0.0160% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4625% | 4,090 |
| Assets per employee ($millions) | 4.8400% | 2,595 |
| Cash dividends to net income (ytd only)* | 102.5641% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4257% | 310 |
| Loan loss allowance to noncurrent loans | 771.7949% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,274 |
| Noncurrent loans to loans | 0.3143% | 3,914 |
| Net loans and leases to total assets | 41.6942% | 5,159 |
| Net loans and leases to deposits | 46.7256% | 5,264 |
| Net loans and leases to core deposits | 48.6089% | 5,262 |
| Total domestic deposits to total assets | 89.2321% | 841 |
| Equity capital to assets | 10.6336% | 3,189 |
| Core capital (leverage) ratio | 11.0861% | 2,327 |
| Tier 1 risk-based capital ratio | 20.9839% | 1,186 |
| Total risk-based capital ratio | 22.2346% | 1,157 |
| Memoranda: | ||
| Average total assets | $27,011,000 | 5,635 |
| Average earning assets | $25,379,670 | 5,610 |
| Average equity | $3,001,330 | 5,637 |
| Average total loans | $12,468,000 | 5,607 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,458 |
| Cost of funding earning assets | 0.2118% | 4,867 |
| Net interest margin | 3.3724% | 3,748 |
| Noninterest income to average assets | 0.5231% | 2,815 |
| Noninterest expense to average assets | 2.3080% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4002% | 1,002 |
| Return on assets (ROA) | 1.4002% | 1,033 |
| Pretax return on assets | 1.4002% | 1,892 |
| Return on Equity (ROE) | 12.3056% | 1,161 |
| Retained earnings to average equity (ytd only) | -14.7397% | 5,666 |
| Net charge-offs to loans | -0.0320% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2407% | 4,117 |
| Assets per employee ($millions) | 4.3172% | 3,477 |
| Cash dividends to net income (ytd only)* | 219.7802% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3917% | 358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,882 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.4231% | 4,864 |
| Net loans and leases to deposits | 54.0146% | 4,935 |
| Net loans and leases to core deposits | 55.2363% | 5,011 |
| Total domestic deposits to total assets | 87.7968% | 1,827 |
| Equity capital to assets | 11.2960% | 2,355 |
| Core capital (leverage) ratio | 11.0657% | 2,294 |
| Tier 1 risk-based capital ratio | 21.4201% | 1,158 |
| Total risk-based capital ratio | 22.6762% | 1,136 |
| Memoranda: | ||
| Average total assets | $25,996,500 | 5,715 |
| Average earning assets | $24,552,000 | 5,690 |
| Average equity | $2,958,000 | 5,704 |
| Average total loans | $12,497,500 | 5,666 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 4,133 |
| Cost of funding earning assets | 0.1665% | 5,306 |
| Net interest margin | 3.5615% | 3,213 |
| Noninterest income to average assets | 0.6310% | 2,504 |
| Noninterest expense to average assets | 2.3641% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5151% | 808 |
| Return on assets (ROA) | 1.6163% | 678 |
| Pretax return on assets | 1.6163% | 1,228 |
| Return on Equity (ROE) | 13.9787% | 780 |
| Retained earnings to average equity (ytd only) | 6.5683% | 1,421 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9438% | 4,429 |
| Assets per employee ($millions) | 5.2180% | 2,150 |
| Cash dividends to net income (ytd only)* | 53.0120% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4174% | 347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 4,942 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 46.4163% | 4,991 |
| Net loans and leases to deposits | 55.1407% | 4,959 |
| Net loans and leases to core deposits | 55.7833% | 5,055 |
| Total domestic deposits to total assets | 84.1778% | 3,358 |
| Equity capital to assets | 11.4603% | 2,201 |
| Core capital (leverage) ratio | 11.5037% | 1,923 |
| Tier 1 risk-based capital ratio | 22.4561% | 1,021 |
| Total risk-based capital ratio | 23.7103% | 1,004 |
| Memoranda: | ||
| Average total assets | $25,675,200 | 5,770 |
| Average earning assets | $23,417,400 | 5,755 |
| Average equity | $2,968,800 | 5,762 |
| Average total loans | $11,928,600 | 5,732 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,033 |
| Cost of funding earning assets | 0.1612% | 5,403 |
| Net interest margin | 3.6045% | 3,058 |
| Noninterest income to average assets | 0.6517% | 2,413 |
| Noninterest expense to average assets | 2.3567% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5590% | 784 |
| Return on assets (ROA) | 1.5642% | 817 |
| Pretax return on assets | 1.5642% | 1,484 |
| Return on Equity (ROE) | 13.4972% | 922 |
| Retained earnings to average equity (ytd only) | 3.5991% | 3,734 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1864% | 4,516 |
| Assets per employee ($millions) | 4.2793% | 3,448 |
| Cash dividends to net income (ytd only)* | 73.3343% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5136% | 330 |
| Loan loss allowance to noncurrent loans | 769.2308% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 4,358 |
| Noncurrent loans to loans | 0.3268% | 4,085 |
| Net loans and leases to total assets | 45.3147% | 5,128 |
| Net loans and leases to deposits | 51.5576% | 5,225 |
| Net loans and leases to core deposits | 52.1398% | 5,311 |
| Total domestic deposits to total assets | 87.8914% | 1,454 |
| Equity capital to assets | 11.9801% | 2,128 |
| Core capital (leverage) ratio | 11.2990% | 2,189 |
| Tier 1 risk-based capital ratio | 22.0067% | 1,136 |
| Total risk-based capital ratio | 23.2618% | 1,115 |
| Memoranda: | ||
| Average total assets | $25,571,500 | 5,832 |
| Average earning assets | $23,155,500 | 5,818 |
| Average equity | $2,963,500 | 5,825 |
| Average total loans | $11,808,250 | 5,795 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 4,096 |
| Cost of funding earning assets | 0.1563% | 5,506 |
| Net interest margin | 3.6031% | 3,090 |
| Noninterest income to average assets | 0.5717% | 2,783 |
| Noninterest expense to average assets | 2.3887% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4332% | 1,001 |
| Return on assets (ROA) | 1.4411% | 1,036 |
| Pretax return on assets | 1.4411% | 1,873 |
| Return on Equity (ROE) | 12.5769% | 1,144 |
| Retained earnings to average equity (ytd only) | -2.4607% | 5,579 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 4,265 |
| Assets per employee ($millions) | 4.2528% | 3,462 |
| Cash dividends to net income (ytd only)* | 119.5652% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4983% | 363 |
| Loan loss allowance to noncurrent loans | 405.4054% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 2,772 |
| Noncurrent loans to loans | 0.6163% | 3,217 |
| Net loans and leases to total assets | 45.8831% | 5,134 |
| Net loans and leases to deposits | 52.0194% | 5,249 |
| Net loans and leases to core deposits | 52.6084% | 5,342 |
| Total domestic deposits to total assets | 88.2039% | 1,320 |
| Equity capital to assets | 11.7059% | 2,352 |
| Core capital (leverage) ratio | 10.8945% | 2,533 |
| Tier 1 risk-based capital ratio | 20.8938% | 1,280 |
| Total risk-based capital ratio | 22.1503% | 1,269 |
| Memoranda: | ||
| Average total assets | $25,536,670 | 5,906 |
| Average earning assets | $23,035,670 | 5,894 |
| Average equity | $2,926,000 | 5,900 |
| Average total loans | $11,766,000 | 5,869 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 4,187 |
| Cost of funding earning assets | 0.1403% | 5,673 |
| Net interest margin | 3.5947% | 3,108 |
| Noninterest income to average assets | 0.6107% | 2,463 |
| Noninterest expense to average assets | 2.3956% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4249% | 997 |
| Return on assets (ROA) | 1.4249% | 1,044 |
| Pretax return on assets | 1.4249% | 1,825 |
| Return on Equity (ROE) | 12.5712% | 1,135 |
| Retained earnings to average equity (ytd only) | -17.8208% | 5,942 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7049% | 4,346 |
| Assets per employee ($millions) | 4.2625% | 3,467 |
| Cash dividends to net income (ytd only)* | 241.7582% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6238% | 338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 3,790 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 43.5347% | 5,273 |
| Net loans and leases to deposits | 49.0269% | 5,384 |
| Net loans and leases to core deposits | 49.5748% | 5,454 |
| Total domestic deposits to total assets | 88.7977% | 1,209 |
| Equity capital to assets | 11.1281% | 2,800 |
| Core capital (leverage) ratio | 10.7018% | 2,726 |
| Tier 1 risk-based capital ratio | 20.7708% | 1,349 |
| Total risk-based capital ratio | 22.0245% | 1,323 |
| Memoranda: | ||
| Average total assets | $25,546,500 | 5,962 |
| Average earning assets | $22,811,500 | 5,955 |
| Average equity | $2,895,500 | 5,957 |
| Average total loans | $11,645,000 | 5,926 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 3,955 |
| Cost of funding earning assets | 0.1522% | 5,670 |
| Net interest margin | 3.6754% | 2,850 |
| Noninterest income to average assets | 0.6788% | 2,298 |
| Noninterest expense to average assets | 2.5687% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4499% | 944 |
| Return on assets (ROA) | 1.4499% | 975 |
| Pretax return on assets | 1.4499% | 1,723 |
| Return on Equity (ROE) | 12.1925% | 1,254 |
| Retained earnings to average equity (ytd only) | 0.7752% | 5,212 |
| Net charge-offs to loans | 0.0172% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 378 |
| Efficiency ratio | 63.9208% | 4,283 |
| Assets per employee ($millions) | 4.2530% | 3,485 |
| Cash dividends to net income (ytd only)* | 93.6416% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5304% | 381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 3,791 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 45.2857% | 5,212 |
| Net loans and leases to deposits | 51.2620% | 5,322 |
| Net loans and leases to core deposits | 53.0286% | 5,369 |
| Total domestic deposits to total assets | 88.3416% | 1,455 |
| Equity capital to assets | 11.5409% | 2,325 |
| Core capital (leverage) ratio | 11.1649% | 2,251 |
| Tier 1 risk-based capital ratio | 21.0854% | 1,280 |
| Total risk-based capital ratio | 22.3372% | 1,263 |
| Memoranda: | ||
| Average total assets | $23,864,400 | 6,043 |
| Average earning assets | $21,684,600 | 6,034 |
| Average equity | $2,837,800 | 6,020 |
| Average total loans | $11,594,800 | 5,978 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 3,917 |
| Cost of funding earning assets | 0.1432% | 5,827 |
| Net interest margin | 3.7114% | 2,721 |
| Noninterest income to average assets | 0.7050% | 2,207 |
| Noninterest expense to average assets | 2.6096% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4839% | 944 |
| Return on assets (ROA) | 1.4839% | 979 |
| Pretax return on assets | 1.4839% | 1,725 |
| Return on Equity (ROE) | 12.3796% | 1,273 |
| Retained earnings to average equity (ytd only) | -2.9883% | 5,935 |
| Net charge-offs to loans | 0.0462% | 2,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 65.2889% | 860 |
| Efficiency ratio | 63.7500% | 4,293 |
| Assets per employee ($millions) | 4.0660% | 3,770 |
| Cash dividends to net income (ytd only)* | 124.1386% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4626% | 454 |
| Loan loss allowance to noncurrent loans | 359.0361% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 3,866 |
| Noncurrent loans to loans | 0.6859% | 3,266 |
| Net loans and leases to total assets | 48.3809% | 5,053 |
| Net loans and leases to deposits | 54.9156% | 5,189 |
| Net loans and leases to core deposits | 56.2235% | 5,299 |
| Total domestic deposits to total assets | 88.1005% | 1,501 |
| Equity capital to assets | 11.7765% | 2,284 |
| Core capital (leverage) ratio | 11.4660% | 2,063 |
| Tier 1 risk-based capital ratio | 20.2629% | 1,492 |
| Total risk-based capital ratio | 21.5182% | 1,460 |
| Memoranda: | ||
| Average total assets | $23,451,000 | 6,136 |
| Average earning assets | $21,411,250 | 6,118 |
| Average equity | $2,811,000 | 6,107 |
| Average total loans | $11,529,500 | 6,059 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 3,886 |
| Cost of funding earning assets | 0.1411% | 5,911 |
| Net interest margin | 3.7065% | 2,680 |
| Noninterest income to average assets | 0.6397% | 2,528 |
| Noninterest expense to average assets | 2.6625% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3831% | 1,127 |
| Return on assets (ROA) | 1.3831% | 1,165 |
| Pretax return on assets | 1.3831% | 2,052 |
| Return on Equity (ROE) | 11.4682% | 1,532 |
| Retained earnings to average equity (ytd only) | -11.7549% | 6,201 |
| Net charge-offs to loans | -0.0176% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8120% | 4,045 |
| Assets per employee ($millions) | 3.8478% | 4,171 |
| Cash dividends to net income (ytd only)* | 202.5000% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6013% | 429 |
| Loan loss allowance to noncurrent loans | 3,787.5000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 5,105 |
| Noncurrent loans to loans | 0.0687% | 5,461 |
| Net loans and leases to total assets | 49.1402% | 5,001 |
| Net loans and leases to deposits | 55.8482% | 5,128 |
| Net loans and leases to core deposits | 57.2575% | 5,236 |
| Total domestic deposits to total assets | 87.9889% | 1,660 |
| Equity capital to assets | 11.9071% | 2,099 |
| Core capital (leverage) ratio | 11.4685% | 2,018 |
| Tier 1 risk-based capital ratio | 21.0847% | 1,343 |
| Total risk-based capital ratio | 22.3444% | 1,319 |
| Memoranda: | ||
| Average total assets | $23,136,000 | 6,213 |
| Average earning assets | $21,260,000 | 6,190 |
| Average equity | $2,790,330 | 6,173 |
| Average total loans | $11,339,000 | 6,131 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 3,901 |
| Cost of funding earning assets | 0.1320% | 6,048 |
| Net interest margin | 3.6946% | 2,635 |
| Noninterest income to average assets | 0.6045% | 2,625 |
| Noninterest expense to average assets | 2.6770% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3126% | 1,229 |
| Return on assets (ROA) | 1.3126% | 1,317 |
| Pretax return on assets | 1.3126% | 2,226 |
| Return on Equity (ROE) | 10.8147% | 1,682 |
| Retained earnings to average equity (ytd only) | -35.2899% | 6,357 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0996% | 3,973 |
| Assets per employee ($millions) | 3.7485% | 4,423 |
| Cash dividends to net income (ytd only)* | 426.3158% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7188% | 398 |
| Loan loss allowance to noncurrent loans | 3,775.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 5,171 |
| Noncurrent loans to loans | 0.0720% | 5,483 |
| Net loans and leases to total assets | 48.0459% | 5,027 |
| Net loans and leases to deposits | 54.6475% | 5,148 |
| Net loans and leases to core deposits | 56.0652% | 5,246 |
| Total domestic deposits to total assets | 87.9196% | 1,876 |
| Equity capital to assets | 11.9959% | 2,033 |
| Core capital (leverage) ratio | 10.7736% | 2,658 |
| Tier 1 risk-based capital ratio | 21.3787% | 1,353 |
| Total risk-based capital ratio | 22.6398% | 1,323 |
| Memoranda: | ||
| Average total assets | $23,160,500 | 6,281 |
| Average earning assets | $21,220,000 | 6,258 |
| Average equity | $2,811,000 | 6,234 |
| Average total loans | $11,184,500 | 6,200 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 3,441 |
| Cost of funding earning assets | 0.1573% | 6,054 |
| Net interest margin | 3.9126% | 2,192 |
| Noninterest income to average assets | 1.7822% | 407 |
| Noninterest expense to average assets | 2.6068% | 4,194 |
| Loan and lease loss provision to assets | 0.4295% | 399 |
| Net operating income to assets | 2.2675% | 196 |
| Return on assets (ROA) | 2.2675% | 201 |
| Pretax return on assets | 2.2718% | 280 |
| Return on Equity (ROE) | 19.4275% | 283 |
| Retained earnings to average equity (ytd only) | 12.8045% | 241 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1100% | 6,136 |
| Assets per employee ($millions) | 3.9717% | 4,019 |
| Cash dividends to net income (ytd only)* | 34.0909% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6818% | 434 |
| Loan loss allowance to noncurrent loans | 3,020.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 5,257 |
| Noncurrent loans to loans | 0.0888% | 5,533 |
| Net loans and leases to total assets | 45.9883% | 5,323 |
| Net loans and leases to deposits | 52.4806% | 5,449 |
| Net loans and leases to core deposits | 53.7680% | 5,513 |
| Total domestic deposits to total assets | 87.6290% | 1,965 |
| Equity capital to assets | 12.2702% | 1,805 |
| Core capital (leverage) ratio | 11.4517% | 2,008 |
| Tier 1 risk-based capital ratio | 21.5888% | 1,294 |
| Total risk-based capital ratio | 22.8496% | 1,268 |
| Memoranda: | ||
| Average total assets | $23,285,200 | 6,368 |
| Average earning assets | $20,983,600 | 6,354 |
| Average equity | $2,717,800 | 6,319 |
| Average total loans | $10,792,400 | 6,294 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 3,417 |
| Cost of funding earning assets | 0.1598% | 6,121 |
| Net interest margin | 3.9317% | 2,109 |
| Noninterest income to average assets | 2.0735% | 324 |
| Noninterest expense to average assets | 2.6091% | 4,169 |
| Loan and lease loss provision to assets | 0.5760% | 239 |
| Net operating income to assets | 2.4248% | 163 |
| Return on assets (ROA) | 2.4248% | 163 |
| Pretax return on assets | 2.4306% | 242 |
| Return on Equity (ROE) | 21.0528% | 231 |
| Retained earnings to average equity (ytd only) | 12.0518% | 410 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4615% | 6,275 |
| Assets per employee ($millions) | 3.8120% | 4,266 |
| Cash dividends to net income (ytd only)* | 42.7546% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7950% | 439 |
| Loan loss allowance to noncurrent loans | 3,355.5556% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 5,430 |
| Noncurrent loans to loans | 0.0833% | 5,699 |
| Net loans and leases to total assets | 45.9208% | 5,387 |
| Net loans and leases to deposits | 53.7926% | 5,407 |
| Net loans and leases to core deposits | 53.7926% | 5,582 |
| Total domestic deposits to total assets | 85.3664% | 3,179 |
| Equity capital to assets | 12.2945% | 1,835 |
| Core capital (leverage) ratio | 11.6493% | 1,941 |
| Tier 1 risk-based capital ratio | 22.2998% | 1,223 |
| Total risk-based capital ratio | 23.5626% | 1,203 |
| Memoranda: | ||
| Average total assets | $23,149,000 | 6,444 |
| Average earning assets | $20,855,500 | 6,431 |
| Average equity | $2,666,250 | 6,395 |
| Average total loans | $10,675,250 | 6,371 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 3,409 |
| Cost of funding earning assets | 0.1638% | 6,166 |
| Net interest margin | 3.9216% | 2,080 |
| Noninterest income to average assets | 2.7365% | 213 |
| Noninterest expense to average assets | 2.6677% | 3,989 |
| Loan and lease loss provision to assets | 0.8605% | 136 |
| Net operating income to assets | 2.7021% | 117 |
| Return on assets (ROA) | 2.7021% | 118 |
| Pretax return on assets | 2.7107% | 156 |
| Return on Equity (ROE) | 23.9908% | 138 |
| Retained earnings to average equity (ytd only) | 10.2381% | 669 |
| Net charge-offs to loans | 0.0188% | 3,844 |
| Credit loss provision to net charge-offs | 10,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 415.0000% | 169 |
| Efficiency ratio | 42.7586% | 6,460 |
| Assets per employee ($millions) | 3.9147% | 4,027 |
| Cash dividends to net income (ytd only)* | 57.3248% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7504% | 501 |
| Loan loss allowance to noncurrent loans | 578.8462% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 4,902 |
| Noncurrent loans to loans | 0.4751% | 4,573 |
| Net loans and leases to total assets | 45.3125% | 5,429 |
| Net loans and leases to deposits | 51.3138% | 5,538 |
| Net loans and leases to core deposits | 51.3138% | 5,715 |
| Total domestic deposits to total assets | 88.3047% | 1,733 |
| Equity capital to assets | 11.5676% | 2,357 |
| Core capital (leverage) ratio | 10.4888% | 2,964 |
| Tier 1 risk-based capital ratio | 21.2606% | 1,398 |
| Total risk-based capital ratio | 22.5229% | 1,368 |
| Memoranda: | ||
| Average total assets | $23,241,330 | 6,510 |
| Average earning assets | $20,756,670 | 6,499 |
| Average equity | $2,617,670 | 6,459 |
| Average total loans | $10,632,000 | 6,430 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,445 |
| Cost of funding earning assets | 0.1583% | 6,306 |
| Net interest margin | 3.8976% | 2,094 |
| Noninterest income to average assets | 4.9312% | 117 |
| Noninterest expense to average assets | 2.6819% | 3,995 |
| Loan and lease loss provision to assets | 1.7303% | 48 |
| Net operating income to assets | 3.9277% | 67 |
| Return on assets (ROA) | 3.9277% | 70 |
| Pretax return on assets | 3.9277% | 89 |
| Return on Equity (ROE) | 35.3583% | 45 |
| Retained earnings to average equity (ytd only) | 7.3209% | 1,897 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1577% | 6,661 |
| Assets per employee ($millions) | 3.0810% | 5,726 |
| Cash dividends to net income (ytd only)* | 79.2952% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8067% | 535 |
| Loan loss allowance to noncurrent loans | 915.1515% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 5,322 |
| Noncurrent loans to loans | 0.3067% | 5,189 |
| Net loans and leases to total assets | 42.4294% | 5,631 |
| Net loans and leases to deposits | 47.4953% | 5,763 |
| Net loans and leases to core deposits | 47.4953% | 5,902 |
| Total domestic deposits to total assets | 89.3338% | 1,457 |
| Equity capital to assets | 10.5566% | 3,197 |
| Core capital (leverage) ratio | 10.6739% | 2,734 |
| Tier 1 risk-based capital ratio | 20.4972% | 1,585 |
| Total risk-based capital ratio | 21.7649% | 1,552 |
| Memoranda: | ||
| Average total assets | $23,118,000 | 6,584 |
| Average earning assets | $20,217,500 | 6,576 |
| Average equity | $2,568,000 | 6,525 |
| Average total loans | $10,476,000 | 6,502 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 2,619 |
| Cost of funding earning assets | 0.2047% | 6,263 |
| Net interest margin | 4.1848% | 1,400 |
| Noninterest income to average assets | 0.8797% | 1,754 |
| Noninterest expense to average assets | 2.7396% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8551% | 434 |
| Return on assets (ROA) | 1.8551% | 448 |
| Pretax return on assets | 1.8551% | 673 |
| Return on Equity (ROE) | 15.8251% | 644 |
| Retained earnings to average equity (ytd only) | 9.7072% | 619 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6254% | 5,518 |
| Assets per employee ($millions) | 2.6985% | 6,222 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 1,597 |
| Loan loss allowance to noncurrent loans | 878.2609% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 5,442 |
| Noncurrent loans to loans | 0.2257% | 5,515 |
| Net loans and leases to total assets | 46.2757% | 5,463 |
| Net loans and leases to deposits | 52.5154% | 5,587 |
| Net loans and leases to core deposits | 52.5154% | 5,755 |
| Total domestic deposits to total assets | 88.1184% | 2,110 |
| Equity capital to assets | 11.7380% | 1,999 |
| Core capital (leverage) ratio | 11.4399% | 2,005 |
| Tier 1 risk-based capital ratio | 21.7252% | 1,302 |
| Total risk-based capital ratio | 22.9791% | 1,282 |
| Memoranda: | ||
| Average total assets | $20,915,200 | 6,686 |
| Average earning assets | $18,567,400 | 6,677 |
| Average equity | $2,451,800 | 6,639 |
| Average total loans | $10,154,600 | 6,583 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 2,669 |
| Cost of funding earning assets | 0.2091% | 6,362 |
| Net interest margin | 4.1669% | 1,433 |
| Noninterest income to average assets | 1.0861% | 1,244 |
| Noninterest expense to average assets | 2.8727% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9279% | 414 |
| Return on assets (ROA) | 1.9279% | 427 |
| Pretax return on assets | 1.9279% | 678 |
| Return on Equity (ROE) | 16.4520% | 591 |
| Retained earnings to average equity (ytd only) | 8.2262% | 1,326 |
| Net charge-offs to loans | -0.0131% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8394% | 5,463 |
| Assets per employee ($millions) | 2.6278% | 6,353 |
| Cash dividends to net income (ytd only)* | 50.0013% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 1,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 5,873 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.9392% | 5,254 |
| Net loans and leases to deposits | 56.2186% | 5,356 |
| Net loans and leases to core deposits | 56.2186% | 5,605 |
| Total domestic deposits to total assets | 87.0517% | 2,667 |
| Equity capital to assets | 12.0160% | 1,907 |
| Core capital (leverage) ratio | 10.9826% | 2,503 |
| Tier 1 risk-based capital ratio | 20.8684% | 1,517 |
| Total risk-based capital ratio | 22.1267% | 1,490 |
| Memoranda: | ||
| Average total assets | $20,747,000 | 6,765 |
| Average earning assets | $18,494,750 | 6,751 |
| Average equity | $2,431,250 | 6,717 |
| Average total loans | $10,145,250 | 6,652 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,851 |
| Cost of funding earning assets | 0.2190% | 6,374 |
| Net interest margin | 4.1067% | 1,520 |
| Noninterest income to average assets | 1.3556% | 852 |
| Noninterest expense to average assets | 2.9242% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0624% | 320 |
| Return on assets (ROA) | 2.0624% | 337 |
| Pretax return on assets | 2.0624% | 531 |
| Return on Equity (ROE) | 17.7524% | 481 |
| Retained earnings to average equity (ytd only) | 5.2507% | 2,891 |
| Net charge-offs to loans | -0.0199% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6408% | 5,649 |
| Assets per employee ($millions) | 2.6066% | 6,392 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 2,050 |
| Loan loss allowance to noncurrent loans | 218.2796% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 4,279 |
| Noncurrent loans to loans | 0.8802% | 4,164 |
| Net loans and leases to total assets | 49.6955% | 5,139 |
| Net loans and leases to deposits | 56.8864% | 5,256 |
| Net loans and leases to core deposits | 56.8864% | 5,533 |
| Total domestic deposits to total assets | 87.3591% | 2,614 |
| Equity capital to assets | 11.7201% | 2,113 |
| Core capital (leverage) ratio | 10.8892% | 2,465 |
| Tier 1 risk-based capital ratio | 19.7046% | 1,792 |
| Total risk-based capital ratio | 20.9644% | 1,768 |
| Memoranda: | ||
| Average total assets | $20,655,330 | 6,812 |
| Average earning assets | $18,263,000 | 6,801 |
| Average equity | $2,399,670 | 6,769 |
| Average total loans | $10,030,000 | 6,705 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 3,149 |
| Cost of funding earning assets | 0.1987% | 6,578 |
| Net interest margin | 4.0412% | 1,643 |
| Noninterest income to average assets | 0.8367% | 1,974 |
| Noninterest expense to average assets | 3.0550% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3426% | 1,169 |
| Return on assets (ROA) | 1.3426% | 1,265 |
| Pretax return on assets | 1.3426% | 2,064 |
| Return on Equity (ROE) | 11.6088% | 1,526 |
| Retained earnings to average equity (ytd only) | -13.6278% | 6,717 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4690% | 4,063 |
| Assets per employee ($millions) | 2.6239% | 6,473 |
| Cash dividends to net income (ytd only)* | 217.3913% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 1,976 |
| Loan loss allowance to noncurrent loans | 841.6667% | 556 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 3,707 |
| Noncurrent loans to loans | 0.2408% | 5,812 |
| Net loans and leases to total assets | 46.5247% | 5,385 |
| Net loans and leases to deposits | 52.8950% | 5,534 |
| Net loans and leases to core deposits | 52.8950% | 5,756 |
| Total domestic deposits to total assets | 87.9567% | 2,346 |
| Equity capital to assets | 11.1381% | 2,802 |
| Core capital (leverage) ratio | 10.2342% | 3,102 |
| Tier 1 risk-based capital ratio | 19.0767% | 2,024 |
| Total risk-based capital ratio | 20.3341% | 1,998 |
| Memoranda: | ||
| Average total assets | $20,556,500 | 6,890 |
| Average earning assets | $18,113,500 | 6,878 |
| Average equity | $2,377,500 | 6,836 |
| Average total loans | $9,762,000 | 6,782 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 2,559 |
| Cost of funding earning assets | 0.2738% | 6,576 |
| Net interest margin | 4.4346% | 1,077 |
| Noninterest income to average assets | 0.7508% | 2,492 |
| Noninterest expense to average assets | 2.8961% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6600% | 673 |
| Return on assets (ROA) | 1.6192% | 806 |
| Pretax return on assets | 1.6192% | 1,335 |
| Return on Equity (ROE) | 14.0315% | 984 |
| Retained earnings to average equity (ytd only) | 9.0297% | 813 |
| Net charge-offs to loans | -0.0111% | 6,476 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5650% | 4,972 |
| Assets per employee ($millions) | 2.5153% | 6,604 |
| Cash dividends to net income (ytd only)* | 35.6467% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 1,733 |
| Loan loss allowance to noncurrent loans | 20,200.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 3,936 |
| Noncurrent loans to loans | 0.0105% | 6,536 |
| Net loans and leases to total assets | 46.4864% | 5,570 |
| Net loans and leases to deposits | 53.4270% | 5,704 |
| Net loans and leases to core deposits | 53.4270% | 5,920 |
| Total domestic deposits to total assets | 87.0092% | 2,844 |
| Equity capital to assets | 12.0117% | 2,040 |
| Core capital (leverage) ratio | 10.8841% | 2,355 |
| Tier 1 risk-based capital ratio | 20.5059% | 1,560 |
| Total risk-based capital ratio | 21.7614% | 1,531 |
| Memoranda: | ||
| Average total assets | $19,578,000 | 6,960 |
| Average earning assets | $16,799,600 | 6,961 |
| Average equity | $2,259,200 | 6,918 |
| Average total loans | $9,014,600 | 6,881 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 2,516 |
| Cost of funding earning assets | 0.2738% | 6,716 |
| Net interest margin | 4.4945% | 1,002 |
| Noninterest income to average assets | 1.0424% | 1,394 |
| Noninterest expense to average assets | 2.8392% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0299% | 373 |
| Return on assets (ROA) | 1.9751% | 452 |
| Pretax return on assets | 1.9751% | 740 |
| Return on Equity (ROE) | 17.2988% | 575 |
| Retained earnings to average equity (ytd only) | 10.5115% | 786 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3099% | 5,744 |
| Assets per employee ($millions) | 2.9067% | 6,208 |
| Cash dividends to net income (ytd only)* | 39.2354% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 1,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2189% | 3,859 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 46.2034% | 5,745 |
| Net loans and leases to deposits | 52.8770% | 5,898 |
| Net loans and leases to core deposits | 52.8770% | 6,124 |
| Total domestic deposits to total assets | 87.3790% | 2,444 |
| Equity capital to assets | 11.6627% | 2,579 |
| Core capital (leverage) ratio | 10.9134% | 2,472 |
| Tier 1 risk-based capital ratio | 19.6996% | 1,828 |
| Total risk-based capital ratio | 20.9574% | 1,802 |
| Memoranda: | ||
| Average total assets | $19,442,000 | 7,059 |
| Average earning assets | $16,553,000 | 7,060 |
| Average equity | $2,219,750 | 7,016 |
| Average total loans | $8,879,250 | 6,983 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 2,720 |
| Cost of funding earning assets | 0.2830% | 6,791 |
| Net interest margin | 4.4667% | 1,051 |
| Noninterest income to average assets | 1.2225% | 960 |
| Noninterest expense to average assets | 2.8735% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1421% | 308 |
| Return on assets (ROA) | 2.0898% | 384 |
| Pretax return on assets | 2.0898% | 584 |
| Return on Equity (ROE) | 18.4445% | 458 |
| Retained earnings to average equity (ytd only) | 8.0234% | 1,629 |
| Net charge-offs to loans | 0.0695% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 575 |
| Efficiency ratio | 57.2917% | 5,954 |
| Assets per employee ($millions) | 2.7781% | 6,438 |
| Cash dividends to net income (ytd only)* | 56.5000% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1823% | 1,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2753% | 3,878 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.6369% | 5,852 |
| Net loans and leases to deposits | 52.2090% | 6,014 |
| Net loans and leases to core deposits | 52.2090% | 6,223 |
| Total domestic deposits to total assets | 87.4119% | 2,528 |
| Equity capital to assets | 11.5802% | 2,511 |
| Core capital (leverage) ratio | 10.4593% | 2,848 |
| Tier 1 risk-based capital ratio | 19.5817% | 1,823 |
| Total risk-based capital ratio | 20.8384% | 1,795 |
| Memoranda: | ||
| Average total assets | $19,140,330 | 7,122 |
| Average earning assets | $16,253,670 | 7,126 |
| Average equity | $2,168,670 | 7,068 |
| Average total loans | $8,638,330 | 7,050 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 2,375 |
| Cost of funding earning assets | 0.3009% | 6,838 |
| Net interest margin | 4.5635% | 885 |
| Noninterest income to average assets | 1.8118% | 477 |
| Noninterest expense to average assets | 2.9494% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.6966% | 140 |
| Return on assets (ROA) | 2.6334% | 179 |
| Pretax return on assets | 2.6334% | 277 |
| Return on Equity (ROE) | 23.5073% | 228 |
| Retained earnings to average equity (ytd only) | 2.2567% | 5,128 |
| Net charge-offs to loans | 0.0475% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 278 |
| Efficiency ratio | 52.2388% | 6,518 |
| Assets per employee ($millions) | 2.3741% | 6,942 |
| Cash dividends to net income (ytd only)* | 90.4000% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3643% | 1,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 3,945 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.4844% | 6,055 |
| Net loans and leases to deposits | 49.6096% | 6,168 |
| Net loans and leases to core deposits | 49.6096% | 6,363 |
| Total domestic deposits to total assets | 87.6533% | 2,551 |
| Equity capital to assets | 11.3147% | 2,614 |
| Core capital (leverage) ratio | 10.7839% | 2,458 |
| Tier 1 risk-based capital ratio | 19.9703% | 1,720 |
| Total risk-based capital ratio | 21.2295% | 1,689 |
| Memoranda: | ||
| Average total assets | $18,987,000 | 7,185 |
| Average earning assets | $15,952,500 | 7,196 |
| Average equity | $2,127,000 | 7,130 |
| Average total loans | $8,421,000 | 7,121 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 4,038 |
| Cost of funding earning assets | 0.4970% | 6,545 |
| Net interest margin | 4.2516% | 1,876 |
| Noninterest income to average assets | 0.6558% | 2,851 |
| Noninterest expense to average assets | 3.0500% | 3,389 |
| Loan and lease loss provision to assets | 0.0520% | 5,940 |
| Net operating income to assets | 1.2492% | 1,382 |
| Return on assets (ROA) | 1.1815% | 1,680 |
| Pretax return on assets | 1.1815% | 2,520 |
| Return on Equity (ROE) | 11.3784% | 1,593 |
| Retained earnings to average equity (ytd only) | 3.3584% | 3,830 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0957% | 3,936 |
| Assets per employee ($millions) | 2.7116% | 6,595 |
| Cash dividends to net income (ytd only)* | 70.4846% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3977% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3066% | 4,034 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 43.1063% | 6,289 |
| Net loans and leases to deposits | 49.0792% | 6,428 |
| Net loans and leases to core deposits | 49.0792% | 6,586 |
| Total domestic deposits to total assets | 87.8299% | 2,261 |
| Equity capital to assets | 11.0900% | 2,902 |
| Core capital (leverage) ratio | 10.5555% | 2,657 |
| Tier 1 risk-based capital ratio | 20.0541% | 1,630 |
| Total risk-based capital ratio | 21.3169% | 1,592 |
| Memoranda: | ||
| Average total assets | $19,212,800 | 7,218 |
| Average earning assets | $16,699,600 | 7,216 |
| Average equity | $1,995,000 | 7,211 |
| Average total loans | $8,375,600 | 7,169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 4,090 |
| Cost of funding earning assets | 0.5458% | 6,529 |
| Net interest margin | 4.2397% | 1,951 |
| Noninterest income to average assets | 0.7126% | 2,527 |
| Noninterest expense to average assets | 2.8990% | 3,937 |
| Loan and lease loss provision to assets | 0.0623% | 5,670 |
| Net operating income to assets | 1.4599% | 1,027 |
| Return on assets (ROA) | 1.3769% | 1,288 |
| Pretax return on assets | 1.3769% | 2,020 |
| Return on Equity (ROE) | 13.4856% | 1,160 |
| Retained earnings to average equity (ytd only) | 2.6429% | 4,778 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5712% | 4,794 |
| Assets per employee ($millions) | 2.2978% | 7,081 |
| Cash dividends to net income (ytd only)* | 80.4018% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,649 |
| Loan loss allowance to noncurrent loans | 606.0606% | 561 |
| Noncurrent assets plus other real estate owned to assets | 1.5287% | 3,809 |
| Noncurrent loans to loans | 0.3837% | 6,090 |
| Net loans and leases to total assets | 45.7023% | 6,167 |
| Net loans and leases to deposits | 52.2515% | 6,344 |
| Net loans and leases to core deposits | 52.2515% | 6,552 |
| Total domestic deposits to total assets | 87.4660% | 2,370 |
| Equity capital to assets | 11.3698% | 2,801 |
| Core capital (leverage) ratio | 10.2996% | 3,083 |
| Tier 1 risk-based capital ratio | 17.9805% | 2,264 |
| Total risk-based capital ratio | 19.2381% | 2,219 |
| Memoranda: | ||
| Average total assets | $19,270,750 | 7,293 |
| Average earning assets | $16,856,250 | 7,286 |
| Average equity | $1,967,500 | 7,285 |
| Average total loans | $8,373,750 | 7,239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 4,369 |
| Cost of funding earning assets | 0.5743% | 6,564 |
| Net interest margin | 4.1606% | 2,184 |
| Noninterest income to average assets | 0.7359% | 2,345 |
| Noninterest expense to average assets | 2.9437% | 3,849 |
| Loan and lease loss provision to assets | 0.0613% | 5,538 |
| Net operating income to assets | 1.3594% | 1,170 |
| Return on assets (ROA) | 1.2777% | 1,441 |
| Pretax return on assets | 1.2777% | 2,216 |
| Return on Equity (ROE) | 12.9758% | 1,207 |
| Retained earnings to average equity (ytd only) | -3.6332% | 6,436 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4473% | 4,617 |
| Assets per employee ($millions) | 2.7939% | 6,483 |
| Cash dividends to net income (ytd only)* | 128.0000% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2458% | 1,829 |
| Loan loss allowance to noncurrent loans | 562.8571% | 605 |
| Noncurrent assets plus other real estate owned to assets | 1.4471% | 4,042 |
| Noncurrent loans to loans | 0.3990% | 6,103 |
| Net loans and leases to total assets | 43.8462% | 6,447 |
| Net loans and leases to deposits | 50.8932% | 6,540 |
| Net loans and leases to core deposits | 50.8932% | 6,719 |
| Total domestic deposits to total assets | 86.1533% | 3,241 |
| Equity capital to assets | 10.1498% | 3,947 |
| Core capital (leverage) ratio | 9.8767% | 3,416 |
| Tier 1 risk-based capital ratio | 18.6049% | 1,963 |
| Total risk-based capital ratio | 19.8883% | 1,920 |
| Memoranda: | ||
| Average total assets | $19,567,000 | 7,361 |
| Average earning assets | $17,065,000 | 7,348 |
| Average equity | $1,926,670 | 7,354 |
| Average total loans | $8,298,000 | 7,311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 4,396 |
| Cost of funding earning assets | 0.6111% | 6,561 |
| Net interest margin | 4.1131% | 2,222 |
| Noninterest income to average assets | 1.0014% | 1,321 |
| Noninterest expense to average assets | 2.8817% | 4,141 |
| Loan and lease loss provision to assets | 0.0613% | 5,230 |
| Net operating income to assets | 1.6350% | 643 |
| Return on assets (ROA) | 1.5737% | 774 |
| Pretax return on assets | 1.5737% | 1,247 |
| Return on Equity (ROE) | 16.2319% | 654 |
| Retained earnings to average equity (ytd only) | -17.4967% | 7,105 |
| Net charge-offs to loans | -0.0992% | 7,085 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9464% | 5,530 |
| Assets per employee ($millions) | 2.7433% | 6,638 |
| Cash dividends to net income (ytd only)* | 207.7922% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3833% | 1,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2915% | 4,383 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.8060% | 6,640 |
| Net loans and leases to deposits | 46.8569% | 6,803 |
| Net loans and leases to core deposits | 46.8569% | 6,933 |
| Total domestic deposits to total assets | 89.2204% | 1,639 |
| Equity capital to assets | 9.6495% | 4,252 |
| Core capital (leverage) ratio | 9.4093% | 3,942 |
| Tier 1 risk-based capital ratio | 17.1707% | 2,413 |
| Total risk-based capital ratio | 18.4508% | 2,380 |
| Memoranda: | ||
| Average total assets | $19,572,000 | 7,419 |
| Average earning assets | $17,019,000 | 7,409 |
| Average equity | $1,897,500 | 7,408 |
| Average total loans | $8,061,000 | 7,381 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 3,971 |
| Cost of funding earning assets | 0.8010% | 6,568 |
| Net interest margin | 4.3256% | 1,729 |
| Noninterest income to average assets | 0.6237% | 3,322 |
| Noninterest expense to average assets | 3.0120% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3083% | 1,149 |
| Return on assets (ROA) | 1.0750% | 1,873 |
| Pretax return on assets | 1.0750% | 2,683 |
| Return on Equity (ROE) | 11.8981% | 1,335 |
| Retained earnings to average equity (ytd only) | 11.8981% | 281 |
| Net charge-offs to loans | 0.1419% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 963 |
| Efficiency ratio | 69.7183% | 4,236 |
| Assets per employee ($millions) | 3.3235% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4183% | 1,526 |
| Loan loss allowance to noncurrent loans | 181.9048% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.9558% | 3,404 |
| Noncurrent loans to loans | 1.3295% | 4,498 |
| Net loans and leases to total assets | 38.6490% | 7,042 |
| Net loans and leases to deposits | 43.3855% | 7,142 |
| Net loans and leases to core deposits | 44.1308% | 7,200 |
| Total domestic deposits to total assets | 89.0828% | 1,605 |
| Equity capital to assets | 9.7387% | 4,067 |
| Core capital (leverage) ratio | 9.5549% | 3,638 |
| Tier 1 risk-based capital ratio | 18.1477% | 1,954 |
| Total risk-based capital ratio | 19.4332% | 1,908 |
| Memoranda: | ||
| Average total assets | $19,721,000 | 7,475 |
| Average earning assets | $16,853,200 | 7,477 |
| Average equity | $1,781,800 | 7,544 |
| Average total loans | $8,458,200 | 7,446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 3,851 |
| Cost of funding earning assets | 0.8333% | 6,641 |
| Net interest margin | 4.3628% | 1,633 |
| Noninterest income to average assets | 0.6305% | 3,252 |
| Noninterest expense to average assets | 3.0306% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3627% | 1,187 |
| Return on assets (ROA) | 1.0915% | 2,022 |
| Pretax return on assets | 1.0915% | 2,851 |
| Return on Equity (ROE) | 12.3244% | 1,418 |
| Retained earnings to average equity (ytd only) | 12.3244% | 425 |
| Net charge-offs to loans | 0.0930% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 33.4988% | 802 |
| Efficiency ratio | 68.9815% | 4,268 |
| Assets per employee ($millions) | 2.8143% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3090% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 4,285 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 42.3096% | 6,957 |
| Net loans and leases to deposits | 47.0346% | 7,128 |
| Net loans and leases to core deposits | 49.7731% | 7,132 |
| Total domestic deposits to total assets | 89.9543% | 905 |
| Equity capital to assets | 9.9036% | 4,285 |
| Core capital (leverage) ratio | 9.6296% | 3,715 |
| Tier 1 risk-based capital ratio | 17.1855% | 2,279 |
| Total risk-based capital ratio | 18.4490% | 2,241 |
| Memoranda: | ||
| Average total assets | $19,666,000 | 7,572 |
| Average earning assets | $16,961,250 | 7,571 |
| Average equity | $1,741,750 | 7,646 |
| Average total loans | $8,598,250 | 7,541 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 4,472 |
| Cost of funding earning assets | 0.8633% | 6,719 |
| Net interest margin | 4.2337% | 2,043 |
| Noninterest income to average assets | 0.5291% | 3,884 |
| Noninterest expense to average assets | 3.1036% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0684% | 1,953 |
| Return on assets (ROA) | 0.7428% | 3,372 |
| Pretax return on assets | 0.7428% | 4,096 |
| Return on Equity (ROE) | 8.7321% | 2,570 |
| Retained earnings to average equity (ytd only) | 8.7321% | 1,193 |
| Net charge-offs to loans | 0.2088% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,747 |
| Efficiency ratio | 74.3902% | 3,394 |
| Assets per employee ($millions) | 2.8663% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 1,673 |
| Loan loss allowance to noncurrent loans | 1,212.5000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 4,207 |
| Noncurrent loans to loans | 0.1854% | 6,882 |
| Net loans and leases to total assets | 42.0405% | 7,041 |
| Net loans and leases to deposits | 46.2242% | 7,242 |
| Net loans and leases to core deposits | 50.8194% | 7,180 |
| Total domestic deposits to total assets | 90.9490% | 506 |
| Equity capital to assets | 8.8616% | 5,657 |
| Core capital (leverage) ratio | 9.1866% | 4,320 |
| Tier 1 risk-based capital ratio | 15.8692% | 2,730 |
| Total risk-based capital ratio | 17.1255% | 2,694 |
| Memoranda: | ||
| Average total assets | $19,654,670 | 7,635 |
| Average earning assets | $16,912,000 | 7,640 |
| Average equity | $1,672,000 | 7,720 |
| Average total loans | $8,620,330 | 7,601 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 4,554 |
| Cost of funding earning assets | 0.9004% | 6,769 |
| Net interest margin | 4.1941% | 2,060 |
| Noninterest income to average assets | 0.6375% | 3,021 |
| Noninterest expense to average assets | 2.9203% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3573% | 1,174 |
| Return on assets (ROA) | 1.0077% | 2,212 |
| Pretax return on assets | 1.0077% | 3,064 |
| Return on Equity (ROE) | 12.1062% | 1,473 |
| Retained earnings to average equity (ytd only) | 12.1062% | 730 |
| Net charge-offs to loans | 0.9285% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 2,948 |
| Efficiency ratio | 68.2692% | 4,667 |
| Assets per employee ($millions) | 2.7279% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1512% | 1,849 |
| Loan loss allowance to noncurrent loans | 1,143.7500% | 298 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 4,163 |
| Noncurrent loans to loans | 0.1881% | 6,964 |
| Net loans and leases to total assets | 43.5926% | 7,027 |
| Net loans and leases to deposits | 47.8721% | 7,242 |
| Net loans and leases to core deposits | 51.9017% | 7,207 |
| Total domestic deposits to total assets | 91.0605% | 517 |
| Equity capital to assets | 8.7562% | 5,635 |
| Core capital (leverage) ratio | 9.1438% | 4,308 |
| Tier 1 risk-based capital ratio | 14.9486% | 3,131 |
| Total risk-based capital ratio | 16.2015% | 3,092 |
| Memoranda: | ||
| Average total assets | $19,450,000 | 7,734 |
| Average earning assets | $16,881,000 | 7,734 |
| Average equity | $1,619,000 | 7,815 |
| Average total loans | $8,616,000 | 7,699 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3166% | 997 |
| Cost of funding earning assets | 1.5418% | 5,329 |
| Net interest margin | 4.7748% | 730 |
| Noninterest income to average assets | 0.0202% | 7,625 |
| Noninterest expense to average assets | 2.9424% | 4,371 |
| Loan and lease loss provision to assets | 0.7961% | 2,742 |
| Net operating income to assets | 0.2834% | 4,595 |
| Return on assets (ROA) | -0.2821% | 5,948 |
| Pretax return on assets | -0.3073% | 5,836 |
| Return on Equity (ROE) | -3.3140% | 6,028 |
| Retained earnings to average equity (ytd only) | -8.9951% | 6,429 |
| Net charge-offs to loans | 1.6407% | 1,543 |
| Credit loss provision to net charge-offs | 93.4911% | 5,872 |
| Earnings coverage of net charge-offs (x) | 1.2959% | 4,828 |
| Efficiency ratio | 72.7273% | 4,146 |
| Assets per employee ($millions) | 2.8293% | 6,607 |
| Cash dividends to net income (ytd only)* | -171.4286% | 7,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3266% | 1,436 |
| Loan loss allowance to noncurrent loans | 161.1111% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 2.0550% | 3,324 |
| Noncurrent loans to loans | 1.4441% | 4,504 |
| Net loans and leases to total assets | 43.0295% | 7,179 |
| Net loans and leases to deposits | 46.8551% | 7,405 |
| Net loans and leases to core deposits | 53.8821% | 7,471 |
| Total domestic deposits to total assets | 91.8354% | 295 |
| Equity capital to assets | 7.9071% | 6,665 |
| Core capital (leverage) ratio | 8.4553% | 5,355 |
| Tier 1 risk-based capital ratio | 12.9060% | 4,203 |
| Total risk-based capital ratio | 14.1574% | 4,154 |
| Memoranda: | ||
| Average total assets | $19,847,800 | 7,778 |
| Average earning assets | $16,733,600 | 7,798 |
| Average equity | $1,689,800 | 7,897 |
| Average total loans | $10,300,400 | 7,695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6016% | 613 |
| Cost of funding earning assets | 1.6484% | 5,169 |
| Net interest margin | 4.9532% | 489 |
| Noninterest income to average assets | 0.2283% | 6,592 |
| Noninterest expense to average assets | 2.9139% | 4,394 |
| Loan and lease loss provision to assets | 0.7923% | 2,385 |
| Net operating income to assets | 0.7117% | 3,163 |
| Return on assets (ROA) | 0.2283% | 5,146 |
| Pretax return on assets | 0.1947% | 5,314 |
| Return on Equity (ROE) | 2.6343% | 4,939 |
| Retained earnings to average equity (ytd only) | -4.8037% | 6,230 |
| Net charge-offs to loans | 1.2343% | 1,655 |
| Credit loss provision to net charge-offs | 119.1919% | 4,253 |
| Earnings coverage of net charge-offs (x) | 2.2120% | 4,160 |
| Efficiency ratio | 66.4625% | 5,293 |
| Assets per employee ($millions) | 3.3483% | 5,262 |
| Cash dividends to net income (ytd only)* | 282.3737% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3643% | 1,214 |
| Loan loss allowance to noncurrent loans | 89.6154% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 2.3594% | 2,919 |
| Noncurrent loans to loans | 2.6383% | 2,866 |
| Net loans and leases to total assets | 47.8945% | 6,964 |
| Net loans and leases to deposits | 51.9883% | 7,305 |
| Net loans and leases to core deposits | 61.3374% | 7,349 |
| Total domestic deposits to total assets | 92.1254% | 156 |
| Equity capital to assets | 7.5859% | 7,235 |
| Core capital (leverage) ratio | 8.5666% | 5,356 |
| Tier 1 risk-based capital ratio | 11.8819% | 5,081 |
| Total risk-based capital ratio | 13.1250% | 5,020 |
| Memoranda: | ||
| Average total assets | $19,858,500 | 7,850 |
| Average earning assets | $16,662,250 | 7,881 |
| Average equity | $1,720,750 | 7,974 |
| Average total loans | $10,694,250 | 7,745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6810% | 561 |
| Cost of funding earning assets | 1.7091% | 5,225 |
| Net interest margin | 4.9719% | 463 |
| Noninterest income to average assets | 0.0910% | 7,520 |
| Noninterest expense to average assets | 3.0837% | 3,763 |
| Loan and lease loss provision to assets | 1.1930% | 1,440 |
| Net operating income to assets | 0.0708% | 5,645 |
| Return on assets (ROA) | 0.1921% | 5,369 |
| Pretax return on assets | 0.1415% | 5,581 |
| Return on Equity (ROE) | 2.1273% | 5,247 |
| Retained earnings to average equity (ytd only) | -8.2851% | 6,703 |
| Net charge-offs to loans | 1.7314% | 1,094 |
| Credit loss provision to net charge-offs | 124.2105% | 3,745 |
| Earnings coverage of net charge-offs (x) | 1.2632% | 4,585 |
| Efficiency ratio | 71.7647% | 4,463 |
| Assets per employee ($millions) | 2.7897% | 6,654 |
| Cash dividends to net income (ytd only)* | 489.4737% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2526% | 1,163 |
| Loan loss allowance to noncurrent loans | 175.5556% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.7872% | 3,496 |
| Noncurrent loans to loans | 1.2831% | 4,633 |
| Net loans and leases to total assets | 52.6628% | 6,607 |
| Net loans and leases to deposits | 58.1050% | 7,019 |
| Net loans and leases to core deposits | 69.1036% | 7,071 |
| Total domestic deposits to total assets | 90.6340% | 581 |
| Equity capital to assets | 8.9820% | 5,340 |
| Core capital (leverage) ratio | 8.5588% | 5,337 |
| Tier 1 risk-based capital ratio | 11.0973% | 5,778 |
| Total risk-based capital ratio | 12.3187% | 5,730 |
| Memoranda: | ||
| Average total assets | $19,781,330 | 7,936 |
| Average earning assets | $16,734,000 | 7,955 |
| Average equity | $1,786,330 | 8,042 |
| Average total loans | $10,974,000 | 7,816 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7785% | 501 |
| Cost of funding earning assets | 1.7776% | 5,223 |
| Net interest margin | 5.0009% | 399 |
| Noninterest income to average assets | 0.4621% | 4,661 |
| Noninterest expense to average assets | 2.7928% | 4,584 |
| Loan and lease loss provision to assets | 2.0695% | 578 |
| Net operating income to assets | -0.0603% | 6,345 |
| Return on assets (ROA) | -0.0603% | 6,470 |
| Pretax return on assets | -0.1607% | 6,532 |
| Return on Equity (ROE) | -0.6657% | 6,488 |
| Retained earnings to average equity (ytd only) | -4.8821% | 6,537 |
| Net charge-offs to loans | 3.3213% | 376 |
| Credit loss provision to net charge-offs | 110.7527% | 3,482 |
| Earnings coverage of net charge-offs (x) | 1.0215% | 4,257 |
| Efficiency ratio | 59.4017% | 6,497 |
| Assets per employee ($millions) | 2.7333% | 6,795 |
| Cash dividends to net income (ytd only)* | -633.3333% | 8,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 1,252 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 2,782 |
| Noncurrent loans to loans | 1.3445% | 4,300 |
| Net loans and leases to total assets | 54.8058% | 6,385 |
| Net loans and leases to deposits | 60.6618% | 6,838 |
| Net loans and leases to core deposits | 72.4772% | 6,889 |
| Total domestic deposits to total assets | 90.3465% | 657 |
| Equity capital to assets | 9.2981% | 4,939 |
| Core capital (leverage) ratio | 8.9200% | 4,838 |
| Tier 1 risk-based capital ratio | 11.5281% | 5,386 |
| Total risk-based capital ratio | 12.7790% | 5,274 |
| Memoranda: | ||
| Average total assets | $19,908,000 | 7,980 |
| Average earning assets | $16,877,000 | 8,005 |
| Average equity | $1,802,500 | 8,090 |
| Average total loans | $11,200,500 | 7,848 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7639% | 1,807 |
| Cost of funding earning assets | 2.3027% | 5,137 |
| Net interest margin | 4.4612% | 1,510 |
| Noninterest income to average assets | 0.4277% | 5,231 |
| Noninterest expense to average assets | 2.6214% | 5,570 |
| Loan and lease loss provision to assets | 0.4327% | 3,128 |
| Net operating income to assets | 1.2629% | 1,591 |
| Return on assets (ROA) | 1.2629% | 1,541 |
| Pretax return on assets | 1.2629% | 2,436 |
| Return on Equity (ROE) | 14.8644% | 946 |
| Retained earnings to average equity (ytd only) | 10.7189% | 363 |
| Net charge-offs to loans | 0.7402% | 1,671 |
| Credit loss provision to net charge-offs | 93.4783% | 5,584 |
| Earnings coverage of net charge-offs (x) | 3.6630% | 4,265 |
| Efficiency ratio | 60.7226% | 6,217 |
| Assets per employee ($millions) | 2.9547% | 6,165 |
| Cash dividends to net income (ytd only)* | 27.8884% | 4,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 1,567 |
| Loan loss allowance to noncurrent loans | 76.1566% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.5818% | 1,869 |
| Noncurrent loans to loans | 2.4036% | 2,281 |
| Net loans and leases to total assets | 55.4900% | 6,486 |
| Net loans and leases to deposits | 62.7913% | 6,888 |
| Net loans and leases to core deposits | 70.7845% | 7,145 |
| Total domestic deposits to total assets | 88.3721% | 1,304 |
| Equity capital to assets | 8.8285% | 5,608 |
| Core capital (leverage) ratio | 8.7885% | 5,058 |
| Tier 1 risk-based capital ratio | 11.3785% | 5,353 |
| Total risk-based capital ratio | 12.6328% | 5,253 |
| Memoranda: | ||
| Average total assets | $19,874,800 | 8,019 |
| Average earning assets | $17,327,200 | 8,027 |
| Average equity | $1,688,600 | 8,184 |
| Average total loans | $12,428,600 | 7,809 |