Home > First State Bank of St. Peter > Performance and Condition Ratios
First State Bank of St. Peter, 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 | 4.0602% | 4,243 |
| Cost of funding earning assets | 0.6610% | 4,248 |
| Net interest margin | 3.3992% | 2,289 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 1.9274% | 3,738 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.2534% | 1,387 |
| Return on assets (ROA) | 1.2593% | 1,381 |
| Pretax return on assets | 1.4163% | 1,472 |
| Return on Equity (ROE) | 7.8600% | 2,796 |
| Retained earnings to average equity (ytd only) | 1.9187% | 3,407 |
| Net charge-offs to loans | 0.1917% | 731 |
| Credit loss provision to net charge-offs | 58.8235% | 2,287 |
| Earnings coverage of net charge-offs (x) | 25.4118% | 1,654 |
| Efficiency ratio | 57.1853% | 3,437 |
| Assets per employee ($millions) | 5.7314% | 3,092 |
| Cash dividends to net income (ytd only)* | 75.5968% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 873 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,083 |
| Noncurrent loans to loans | 0.2835% | 2,411 |
| Net loans and leases to total assets | 29.0800% | 4,236 |
| Net loans and leases to deposits | 35.4445% | 4,223 |
| Net loans and leases to core deposits | 36.2147% | 4,236 |
| Total domestic deposits to total assets | 82.0400% | 3,238 |
| Equity capital to assets | 17.1895% | 387 |
| Core capital (leverage) ratio | 17.8670% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8169% | 135 |
| Memoranda: | ||
| Average total assets | $29,937,200 | 4,360 |
| Average earning assets | $28,594,600 | 4,328 |
| Average equity | $4,795,000 | 4,260 |
| Average total loans | $8,866,600 | 4,337 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 4,269 |
| Cost of funding earning assets | 0.6576% | 4,276 |
| Net interest margin | 3.3714% | 2,298 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 1.8772% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2571% | 1,403 |
| Return on assets (ROA) | 1.2647% | 1,383 |
| Pretax return on assets | 1.4630% | 1,375 |
| Return on Equity (ROE) | 8.0400% | 2,761 |
| Retained earnings to average equity (ytd only) | 2.7157% | 3,265 |
| Net charge-offs to loans | 0.0297% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 585 |
| Efficiency ratio | 56.3492% | 3,526 |
| Assets per employee ($millions) | 5.9024% | 2,944 |
| Cash dividends to net income (ytd only)* | 66.2021% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,039 |
| Loan loss allowance to noncurrent loans | 721.0526% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,273 |
| Noncurrent loans to loans | 0.2085% | 2,699 |
| Net loans and leases to total assets | 30.4100% | 4,250 |
| Net loans and leases to deposits | 36.9474% | 4,237 |
| Net loans and leases to core deposits | 37.7238% | 4,261 |
| Total domestic deposits to total assets | 82.3200% | 3,025 |
| Equity capital to assets | 17.1490% | 400 |
| Core capital (leverage) ratio | 17.9463% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5831% | 142 |
| Memoranda: | ||
| Average total assets | $30,257,250 | 4,387 |
| Average earning assets | $28,790,500 | 4,359 |
| Average equity | $4,762,250 | 4,286 |
| Average total loans | $8,967,000 | 4,364 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 4,284 |
| Cost of funding earning assets | 0.6755% | 4,269 |
| Net interest margin | 3.3293% | 2,342 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 1.8685% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2408% | 1,382 |
| Return on assets (ROA) | 1.2522% | 1,361 |
| Pretax return on assets | 1.4358% | 1,405 |
| Return on Equity (ROE) | 8.1900% | 2,690 |
| Retained earnings to average equity (ytd only) | 0.0429% | 3,826 |
| Net charge-offs to loans | 0.0449% | 1,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 738 |
| Efficiency ratio | 56.7729% | 3,513 |
| Assets per employee ($millions) | 6.0046% | 2,800 |
| Cash dividends to net income (ytd only)* | 99.4764% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,013 |
| Loan loss allowance to noncurrent loans | 856.2500% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,299 |
| Noncurrent loans to loans | 0.1774% | 2,795 |
| Net loans and leases to total assets | 29.5900% | 4,268 |
| Net loans and leases to deposits | 35.4158% | 4,271 |
| Net loans and leases to core deposits | 36.1362% | 4,277 |
| Total domestic deposits to total assets | 83.5400% | 2,735 |
| Equity capital to assets | 15.7146% | 504 |
| Core capital (leverage) ratio | 17.3500% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3892% | 142 |
| Memoranda: | ||
| Average total assets | $30,505,667 | 4,405 |
| Average earning assets | $29,015,000 | 4,377 |
| Average equity | $4,662,667 | 4,299 |
| Average total loans | $8,918,333 | 4,383 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 4,298 |
| Cost of funding earning assets | 0.7216% | 4,237 |
| Net interest margin | 3.2269% | 2,505 |
| Noninterest income to average assets | 0.1000% | 4,220 |
| Noninterest expense to average assets | 1.8603% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1708% | 1,508 |
| Return on assets (ROA) | 1.1708% | 1,517 |
| Pretax return on assets | 1.3270% | 1,580 |
| Return on Equity (ROE) | 7.7700% | 2,757 |
| Retained earnings to average equity (ytd only) | -0.4315% | 3,786 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 58.3673% | 3,405 |
| Assets per employee ($millions) | 6.0848% | 2,772 |
| Cash dividends to net income (ytd only)* | 105.5556% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 888 |
| Loan loss allowance to noncurrent loans | 868.7500% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,321 |
| Noncurrent loans to loans | 0.1819% | 2,712 |
| Net loans and leases to total assets | 28.4500% | 4,307 |
| Net loans and leases to deposits | 33.7072% | 4,293 |
| Net loans and leases to core deposits | 34.3766% | 4,352 |
| Total domestic deposits to total assets | 84.4000% | 2,605 |
| Equity capital to assets | 15.2281% | 532 |
| Core capital (leverage) ratio | 17.0629% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0985% | 149 |
| Memoranda: | ||
| Average total assets | $30,747,000 | 4,438 |
| Average earning assets | $29,378,000 | 4,405 |
| Average equity | $4,635,000 | 4,323 |
| Average total loans | $8,867,500 | 4,412 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 3,957 |
| Cost of funding earning assets | 0.4628% | 4,237 |
| Net interest margin | 3.5440% | 2,086 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.7786% | 4,032 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5143% | 988 |
| Return on assets (ROA) | 1.5143% | 959 |
| Pretax return on assets | 1.7039% | 1,058 |
| Return on Equity (ROE) | 11.1400% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.7338% | 2,698 |
| Net charge-offs to loans | 0.2191% | 495 |
| Credit loss provision to net charge-offs | 105.2632% | 1,794 |
| Earnings coverage of net charge-offs (x) | 29.8947% | 1,638 |
| Efficiency ratio | 50.1754% | 3,970 |
| Assets per employee ($millions) | 6.2140% | 2,624 |
| Cash dividends to net income (ytd only)* | 57.4949% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 926 |
| Loan loss allowance to noncurrent loans | 496.4286% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 2,927 |
| Noncurrent loans to loans | 0.3132% | 2,070 |
| Net loans and leases to total assets | 28.3300% | 4,330 |
| Net loans and leases to deposits | 34.1905% | 4,301 |
| Net loans and leases to core deposits | 34.8677% | 4,352 |
| Total domestic deposits to total assets | 82.8600% | 2,923 |
| Equity capital to assets | 14.9244% | 560 |
| Core capital (leverage) ratio | 16.2565% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8676% | 151 |
| Memoranda: | ||
| Average total assets | $32,161,000 | 4,452 |
| Average earning assets | $30,897,200 | 4,412 |
| Average equity | $4,372,800 | 4,317 |
| Average total loans | $8,672,600 | 4,428 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,897 |
| Cost of funding earning assets | 0.4271% | 4,225 |
| Net interest margin | 3.5450% | 2,119 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.7142% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4552% | 1,211 |
| Return on assets (ROA) | 1.4552% | 1,192 |
| Pretax return on assets | 1.8334% | 957 |
| Return on Equity (ROE) | 10.9600% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.2320% | 2,865 |
| Net charge-offs to loans | -0.0310% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.3198% | 4,025 |
| Assets per employee ($millions) | 6.4388% | 2,369 |
| Cash dividends to net income (ytd only)* | 52.2599% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 931 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,633 |
| Noncurrent loans to loans | 0.5058% | 1,550 |
| Net loans and leases to total assets | 27.2000% | 4,358 |
| Net loans and leases to deposits | 31.5862% | 4,361 |
| Net loans and leases to core deposits | 32.1663% | 4,365 |
| Total domestic deposits to total assets | 86.1100% | 2,152 |
| Equity capital to assets | 13.3876% | 744 |
| Core capital (leverage) ratio | 15.9815% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8195% | 167 |
| Memoranda: | ||
| Average total assets | $32,433,750 | 4,474 |
| Average earning assets | $31,217,250 | 4,435 |
| Average equity | $4,306,750 | 4,331 |
| Average total loans | $8,605,500 | 4,450 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 3,774 |
| Cost of funding earning assets | 0.3569% | 4,232 |
| Net interest margin | 3.6006% | 2,038 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.6916% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4886% | 1,125 |
| Return on assets (ROA) | 1.4886% | 1,120 |
| Pretax return on assets | 1.9192% | 836 |
| Return on Equity (ROE) | 11.2400% | 2,365 |
| Retained earnings to average equity (ytd only) | 2.6477% | 3,564 |
| Net charge-offs to loans | -0.0470% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.8484% | 4,124 |
| Assets per employee ($millions) | 6.4134% | 2,369 |
| Cash dividends to net income (ytd only)* | 76.4463% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 817 |
| Loan loss allowance to noncurrent loans | 736.8421% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,170 |
| Noncurrent loans to loans | 0.2255% | 2,361 |
| Net loans and leases to total assets | 25.8400% | 4,394 |
| Net loans and leases to deposits | 30.0908% | 4,399 |
| Net loans and leases to core deposits | 30.6472% | 4,400 |
| Total domestic deposits to total assets | 85.8800% | 2,272 |
| Equity capital to assets | 13.3159% | 744 |
| Core capital (leverage) ratio | 15.3781% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8685% | 152 |
| Memoranda: | ||
| Average total assets | $32,513,667 | 4,499 |
| Average earning assets | $31,383,667 | 4,460 |
| Average equity | $4,305,667 | 4,361 |
| Average total loans | $8,508,667 | 4,482 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,713 |
| Cost of funding earning assets | 0.2772% | 4,238 |
| Net interest margin | 3.6031% | 2,120 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.6984% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5640% | 1,051 |
| Return on assets (ROA) | 1.5640% | 1,044 |
| Pretax return on assets | 1.9428% | 858 |
| Return on Equity (ROE) | 11.8400% | 2,259 |
| Retained earnings to average equity (ytd only) | 3.0531% | 3,491 |
| Net charge-offs to loans | -0.0468% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.6443% | 4,182 |
| Assets per employee ($millions) | 6.8414% | 2,079 |
| Cash dividends to net income (ytd only)* | 74.2188% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 868 |
| Loan loss allowance to noncurrent loans | 107.7519% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 1,368 |
| Noncurrent loans to loans | 1.5555% | 418 |
| Net loans and leases to total assets | 23.8400% | 4,479 |
| Net loans and leases to deposits | 27.4490% | 4,486 |
| Net loans and leases to core deposits | 27.9189% | 4,485 |
| Total domestic deposits to total assets | 86.8400% | 2,323 |
| Equity capital to assets | 12.7576% | 813 |
| Core capital (leverage) ratio | 14.9004% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0116% | 164 |
| Memoranda: | ||
| Average total assets | $32,737,000 | 4,558 |
| Average earning assets | $31,750,000 | 4,524 |
| Average equity | $4,323,500 | 4,416 |
| Average total loans | $8,549,500 | 4,551 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9200% | 4,222 |
| Cost of funding earning assets | 0.2411% | 3,405 |
| Net interest margin | 2.6789% | 4,081 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.5796% | 4,330 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9018% | 2,956 |
| Return on assets (ROA) | 0.9018% | 2,890 |
| Pretax return on assets | 1.1143% | 2,721 |
| Return on Equity (ROE) | 6.8600% | 3,664 |
| Retained earnings to average equity (ytd only) | 2.3820% | 3,893 |
| Net charge-offs to loans | 0.1493% | 553 |
| Credit loss provision to net charge-offs | 83.3333% | 1,664 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 1,628 |
| Efficiency ratio | 58.0169% | 3,339 |
| Assets per employee ($millions) | 6.2534% | 2,552 |
| Cash dividends to net income (ytd only)* | 65.2866% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 2,996 |
| Loan loss allowance to noncurrent loans | 66.4336% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 1,110 |
| Noncurrent loans to loans | 1.6239% | 391 |
| Net loans and leases to total assets | 27.8600% | 4,436 |
| Net loans and leases to deposits | 32.4904% | 4,423 |
| Net loans and leases to core deposits | 33.1078% | 4,435 |
| Total domestic deposits to total assets | 85.7500% | 2,793 |
| Equity capital to assets | 13.6981% | 605 |
| Core capital (leverage) ratio | 15.1732% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1955% | 164 |
| Memoranda: | ||
| Average total assets | $34,819,600 | 4,577 |
| Average earning assets | $33,595,800 | 4,535 |
| Average equity | $4,576,000 | 4,475 |
| Average total loans | $8,035,600 | 4,586 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6747% | 4,309 |
| Cost of funding earning assets | 0.2361% | 2,858 |
| Net interest margin | 2.4386% | 4,276 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.5085% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8177% | 3,178 |
| Return on assets (ROA) | 0.8177% | 3,142 |
| Pretax return on assets | 0.9671% | 3,121 |
| Return on Equity (ROE) | 6.2800% | 3,739 |
| Retained earnings to average equity (ytd only) | 2.9825% | 3,775 |
| Net charge-offs to loans | -0.0340% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9351% | 2,987 |
| Assets per employee ($millions) | 6.8516% | 2,058 |
| Cash dividends to net income (ytd only)* | 52.5114% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,661 |
| Loan loss allowance to noncurrent loans | 66.8919% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 1,260 |
| Noncurrent loans to loans | 1.7581% | 370 |
| Net loans and leases to total assets | 24.2800% | 4,538 |
| Net loans and leases to deposits | 27.7939% | 4,536 |
| Net loans and leases to core deposits | 28.5122% | 4,530 |
| Total domestic deposits to total assets | 87.3700% | 2,634 |
| Equity capital to assets | 12.3095% | 817 |
| Core capital (leverage) ratio | 14.2779% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6385% | 166 |
| Memoranda: | ||
| Average total assets | $35,707,750 | 4,603 |
| Average earning assets | $34,445,750 | 4,566 |
| Average equity | $4,649,250 | 4,511 |
| Average total loans | $7,843,000 | 4,623 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3866% | 4,468 |
| Cost of funding earning assets | 0.2352% | 2,444 |
| Net interest margin | 2.1514% | 4,484 |
| Noninterest income to average assets | 0.1161% | 4,416 |
| Noninterest expense to average assets | 1.4866% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6189% | 3,572 |
| Return on assets (ROA) | 0.6189% | 3,523 |
| Pretax return on assets | 0.7018% | 3,567 |
| Return on Equity (ROE) | 4.6732% | 3,877 |
| Retained earnings to average equity (ytd only) | -0.1252% | 4,193 |
| Net charge-offs to loans | -0.0523% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9293% | 2,255 |
| Assets per employee ($millions) | 7.1710% | 1,828 |
| Cash dividends to net income (ytd only)* | 102.6786% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,457 |
| Loan loss allowance to noncurrent loans | 495.0000% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,422 |
| Noncurrent loans to loans | 0.2512% | 2,475 |
| Net loans and leases to total assets | 21.9272% | 4,633 |
| Net loans and leases to deposits | 25.2359% | 4,627 |
| Net loans and leases to core deposits | 25.8610% | 4,629 |
| Total domestic deposits to total assets | 86.8889% | 2,980 |
| Equity capital to assets | 12.5561% | 751 |
| Core capital (leverage) ratio | 13.6575% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3624% | 134 |
| Memoranda: | ||
| Average total assets | $36,191,000 | 4,638 |
| Average earning assets | $34,861,000 | 4,618 |
| Average equity | $4,793,333 | 4,541 |
| Average total loans | $7,651,333 | 4,690 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1281% | 4,567 |
| Cost of funding earning assets | 0.2377% | 2,292 |
| Net interest margin | 1.8903% | 4,585 |
| Noninterest income to average assets | 0.1100% | 4,458 |
| Noninterest expense to average assets | 1.4632% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4621% | 3,805 |
| Return on assets (ROA) | 0.4621% | 3,768 |
| Pretax return on assets | 0.4841% | 3,892 |
| Return on Equity (ROE) | 3.4015% | 4,012 |
| Retained earnings to average equity (ytd only) | 1.3768% | 3,728 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1412% | 1,620 |
| Assets per employee ($millions) | 7.6838% | 1,562 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 2,242 |
| Loan loss allowance to noncurrent loans | 71.3235% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,689 |
| Noncurrent loans to loans | 1.8569% | 407 |
| Net loans and leases to total assets | 18.8110% | 4,686 |
| Net loans and leases to deposits | 21.5397% | 4,684 |
| Net loans and leases to core deposits | 22.4797% | 4,680 |
| Total domestic deposits to total assets | 87.3318% | 2,804 |
| Equity capital to assets | 12.4704% | 815 |
| Core capital (leverage) ratio | 13.5923% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5349% | 135 |
| Memoranda: | ||
| Average total assets | $36,359,000 | 4,661 |
| Average earning assets | $35,337,500 | 4,637 |
| Average equity | $4,939,000 | 4,567 |
| Average total loans | $7,496,500 | 4,720 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2929% | 4,590 |
| Cost of funding earning assets | 0.2687% | 2,714 |
| Net interest margin | 2.0242% | 4,586 |
| Noninterest income to average assets | 0.4757% | 2,699 |
| Noninterest expense to average assets | 1.5935% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7208% | 3,566 |
| Return on assets (ROA) | 0.7789% | 3,464 |
| Pretax return on assets | 0.9216% | 3,449 |
| Return on Equity (ROE) | 5.1264% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.1153% | 4,228 |
| Net charge-offs to loans | -0.0609% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1276% | 2,380 |
| Assets per employee ($millions) | 6.8598% | 2,029 |
| Cash dividends to net income (ytd only)* | 78.2443% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,535 |
| Loan loss allowance to noncurrent loans | 67.8322% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 1,569 |
| Noncurrent loans to loans | 1.8646% | 436 |
| Net loans and leases to total assets | 22.0764% | 4,695 |
| Net loans and leases to deposits | 26.0780% | 4,690 |
| Net loans and leases to core deposits | 27.4010% | 4,678 |
| Total domestic deposits to total assets | 84.6555% | 3,376 |
| Equity capital to assets | 14.8313% | 515 |
| Core capital (leverage) ratio | 14.8090% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1389% | 123 |
| Memoranda: | ||
| Average total assets | $33,636,000 | 4,718 |
| Average earning assets | $32,753,800 | 4,693 |
| Average equity | $5,110,800 | 4,621 |
| Average total loans | $8,213,000 | 4,750 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3144% | 4,667 |
| Cost of funding earning assets | 0.2744% | 2,851 |
| Net interest margin | 2.0399% | 4,660 |
| Noninterest income to average assets | 0.5896% | 2,253 |
| Noninterest expense to average assets | 1.5894% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8126% | 3,489 |
| Return on assets (ROA) | 0.8126% | 3,563 |
| Pretax return on assets | 0.9839% | 3,510 |
| Return on Equity (ROE) | 5.3157% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.3191% | 4,108 |
| Net charge-offs to loans | -0.0798% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7647% | 2,733 |
| Assets per employee ($millions) | 6.7060% | 2,091 |
| Cash dividends to net income (ytd only)* | 56.3725% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,783 |
| Loan loss allowance to noncurrent loans | 67.8322% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 1,753 |
| Noncurrent loans to loans | 1.8308% | 519 |
| Net loans and leases to total assets | 23.0063% | 4,757 |
| Net loans and leases to deposits | 27.2917% | 4,751 |
| Net loans and leases to core deposits | 28.7353% | 4,749 |
| Total domestic deposits to total assets | 84.2976% | 3,370 |
| Equity capital to assets | 15.3325% | 490 |
| Core capital (leverage) ratio | 14.8329% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2033% | 129 |
| Memoranda: | ||
| Average total assets | $33,470,250 | 4,790 |
| Average earning assets | $32,549,250 | 4,765 |
| Average equity | $5,116,750 | 4,688 |
| Average total loans | $8,349,000 | 4,817 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3229% | 4,714 |
| Cost of funding earning assets | 0.2773% | 3,015 |
| Net interest margin | 2.0457% | 4,685 |
| Noninterest income to average assets | 0.8191% | 1,481 |
| Noninterest expense to average assets | 1.5904% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9865% | 2,936 |
| Return on assets (ROA) | 0.9865% | 3,025 |
| Pretax return on assets | 1.2137% | 2,870 |
| Return on Equity (ROE) | 6.4596% | 3,796 |
| Retained earnings to average equity (ytd only) | 1.9575% | 4,124 |
| Net charge-offs to loans | -0.0938% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7164% | 3,447 |
| Assets per employee ($millions) | 6.9354% | 1,856 |
| Cash dividends to net income (ytd only)* | 69.6970% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 3,095 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 2,035 |
| Noncurrent loans to loans | 1.6571% | 646 |
| Net loans and leases to total assets | 23.3901% | 4,788 |
| Net loans and leases to deposits | 27.6364% | 4,786 |
| Net loans and leases to core deposits | 29.0405% | 4,789 |
| Total domestic deposits to total assets | 84.6353% | 3,246 |
| Equity capital to assets | 14.7418% | 571 |
| Core capital (leverage) ratio | 14.4342% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6731% | 129 |
| Memoranda: | ||
| Average total assets | $33,450,333 | 4,822 |
| Average earning assets | $32,459,000 | 4,800 |
| Average equity | $5,108,667 | 4,716 |
| Average total loans | $8,528,333 | 4,853 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3652% | 4,732 |
| Cost of funding earning assets | 0.2894% | 3,107 |
| Net interest margin | 2.0758% | 4,690 |
| Noninterest income to average assets | 1.3643% | 705 |
| Noninterest expense to average assets | 1.6323% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3765% | 1,620 |
| Return on assets (ROA) | 1.3765% | 1,702 |
| Pretax return on assets | 1.7419% | 1,410 |
| Return on Equity (ROE) | 8.8506% | 3,085 |
| Retained earnings to average equity (ytd only) | 6.8925% | 2,609 |
| Net charge-offs to loans | 0.0921% | 730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 750 |
| Efficiency ratio | 48.3755% | 4,317 |
| Assets per employee ($millions) | 6.9358% | 1,840 |
| Cash dividends to net income (ytd only)* | 22.1239% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,700 |
| Loan loss allowance to noncurrent loans | 310.3448% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 3,783 |
| Noncurrent loans to loans | 0.3343% | 2,898 |
| Net loans and leases to total assets | 24.7527% | 4,800 |
| Net loans and leases to deposits | 29.1864% | 4,804 |
| Net loans and leases to core deposits | 29.9689% | 4,810 |
| Total domestic deposits to total assets | 84.8093% | 3,182 |
| Equity capital to assets | 14.8303% | 524 |
| Core capital (leverage) ratio | 15.3848% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.2951% | 139 |
| Memoranda: | ||
| Average total assets | $32,837,000 | 4,849 |
| Average earning assets | $31,794,500 | 4,823 |
| Average equity | $5,107,000 | 4,738 |
| Average total loans | $8,689,000 | 4,875 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3265% | 4,290 |
| Cost of funding earning assets | 0.3715% | 3,758 |
| Net interest margin | 2.9550% | 3,999 |
| Noninterest income to average assets | 0.2493% | 3,995 |
| Noninterest expense to average assets | 1.8296% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1346% | 1,786 |
| Return on assets (ROA) | 1.2265% | 1,569 |
| Pretax return on assets | 1.3916% | 1,685 |
| Return on Equity (ROE) | 7.2441% | 3,095 |
| Retained earnings to average equity (ytd only) | 1.7712% | 3,914 |
| Net charge-offs to loans | 0.0553% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 76.4000% | 921 |
| Efficiency ratio | 58.7027% | 3,632 |
| Assets per employee ($millions) | 6.1990% | 2,167 |
| Cash dividends to net income (ytd only)* | 75.5495% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,649 |
| Loan loss allowance to noncurrent loans | 131.4286% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,152 |
| Noncurrent loans to loans | 0.8042% | 1,739 |
| Net loans and leases to total assets | 27.7851% | 4,796 |
| Net loans and leases to deposits | 33.4525% | 4,796 |
| Net loans and leases to core deposits | 34.1150% | 4,802 |
| Total domestic deposits to total assets | 83.0586% | 3,394 |
| Equity capital to assets | 16.3607% | 396 |
| Core capital (leverage) ratio | 16.0655% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6804% | 145 |
| Memoranda: | ||
| Average total assets | $29,678,200 | 4,877 |
| Average earning assets | $28,798,800 | 4,855 |
| Average equity | $5,024,800 | 4,748 |
| Average total loans | $9,035,600 | 4,901 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5051% | 4,203 |
| Cost of funding earning assets | 0.3936% | 3,842 |
| Net interest margin | 3.1115% | 3,711 |
| Noninterest income to average assets | 0.2771% | 3,821 |
| Noninterest expense to average assets | 1.8172% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2131% | 1,604 |
| Return on assets (ROA) | 1.3174% | 1,401 |
| Pretax return on assets | 1.6036% | 1,175 |
| Return on Equity (ROE) | 7.7127% | 2,918 |
| Retained earnings to average equity (ytd only) | 2.7925% | 3,609 |
| Net charge-offs to loans | 0.0731% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,049 |
| Efficiency ratio | 55.1724% | 4,018 |
| Assets per employee ($millions) | 5.9960% | 2,265 |
| Cash dividends to net income (ytd only)* | 63.7931% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,689 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 3,829 |
| Noncurrent loans to loans | 0.3935% | 2,882 |
| Net loans and leases to total assets | 30.2101% | 4,816 |
| Net loans and leases to deposits | 36.6117% | 4,818 |
| Net loans and leases to core deposits | 37.3669% | 4,829 |
| Total domestic deposits to total assets | 82.5150% | 3,278 |
| Equity capital to assets | 16.9280% | 382 |
| Core capital (leverage) ratio | 17.0962% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4025% | 143 |
| Memoranda: | ||
| Average total assets | $29,349,000 | 4,910 |
| Average earning assets | $28,453,250 | 4,887 |
| Average equity | $5,013,250 | 4,775 |
| Average total loans | $9,118,500 | 4,933 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 4,192 |
| Cost of funding earning assets | 0.4242% | 3,929 |
| Net interest margin | 3.2168% | 3,619 |
| Noninterest income to average assets | 0.3363% | 3,459 |
| Noninterest expense to average assets | 1.8258% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3387% | 1,248 |
| Return on assets (ROA) | 1.4963% | 1,008 |
| Pretax return on assets | 1.8258% | 770 |
| Return on Equity (ROE) | 8.7328% | 2,479 |
| Retained earnings to average equity (ytd only) | 1.3219% | 4,001 |
| Net charge-offs to loans | 0.1098% | 1,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 47.6000% | 1,141 |
| Efficiency ratio | 52.7778% | 4,291 |
| Assets per employee ($millions) | 5.9452% | 2,235 |
| Cash dividends to net income (ytd only)* | 84.8624% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,704 |
| Loan loss allowance to noncurrent loans | 418.1818% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 4,157 |
| Noncurrent loans to loans | 0.2323% | 3,544 |
| Net loans and leases to total assets | 31.5448% | 4,828 |
| Net loans and leases to deposits | 38.3267% | 4,826 |
| Net loans and leases to core deposits | 39.1263% | 4,839 |
| Total domestic deposits to total assets | 82.3051% | 3,287 |
| Equity capital to assets | 16.9044% | 383 |
| Core capital (leverage) ratio | 16.8001% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1135% | 149 |
| Memoranda: | ||
| Average total assets | $29,138,667 | 4,939 |
| Average earning assets | $28,288,667 | 4,917 |
| Average equity | $4,992,667 | 4,800 |
| Average total loans | $9,108,333 | 4,965 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 4,214 |
| Cost of funding earning assets | 0.4567% | 4,130 |
| Net interest margin | 3.3535% | 3,438 |
| Noninterest income to average assets | 0.1941% | 4,384 |
| Noninterest expense to average assets | 1.8859% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2967% | 1,251 |
| Return on assets (ROA) | 1.3313% | 1,247 |
| Pretax return on assets | 1.6086% | 1,029 |
| Return on Equity (ROE) | 7.7163% | 2,631 |
| Retained earnings to average equity (ytd only) | 0.0804% | 3,971 |
| Net charge-offs to loans | -0.0448% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6185% | 4,347 |
| Assets per employee ($millions) | 5.9134% | 1,748 |
| Cash dividends to net income (ytd only)* | 98.9583% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,235 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,509 |
| Noncurrent loans to loans | 0.0782% | 4,199 |
| Net loans and leases to total assets | 29.9354% | 4,911 |
| Net loans and leases to deposits | 36.2360% | 4,906 |
| Net loans and leases to core deposits | 36.9932% | 4,913 |
| Total domestic deposits to total assets | 82.6124% | 3,230 |
| Equity capital to assets | 16.9581% | 448 |
| Core capital (leverage) ratio | 17.0824% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2220% | 164 |
| Memoranda: | ||
| Average total assets | $28,845,000 | 4,986 |
| Average earning assets | $28,030,000 | 4,960 |
| Average equity | $4,976,500 | 4,838 |
| Average total loans | $8,928,000 | 5,009 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 4,229 |
| Cost of funding earning assets | 0.4248% | 4,359 |
| Net interest margin | 3.5890% | 3,166 |
| Noninterest income to average assets | 0.1777% | 4,602 |
| Noninterest expense to average assets | 1.8955% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3793% | 1,413 |
| Return on assets (ROA) | 1.3903% | 1,443 |
| Pretax return on assets | 1.7701% | 1,020 |
| Return on Equity (ROE) | 8.3045% | 3,039 |
| Retained earnings to average equity (ytd only) | 2.5809% | 3,742 |
| Net charge-offs to loans | 0.0109% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 504.0000% | 185 |
| Efficiency ratio | 51.9084% | 4,610 |
| Assets per employee ($millions) | 5.6246% | 1,949 |
| Cash dividends to net income (ytd only)* | 68.9223% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,013 |
| Loan loss allowance to noncurrent loans | 970.0000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 4,468 |
| Noncurrent loans to loans | 0.1123% | 4,079 |
| Net loans and leases to total assets | 31.3267% | 4,950 |
| Net loans and leases to deposits | 38.2761% | 4,936 |
| Net loans and leases to core deposits | 39.1260% | 4,959 |
| Total domestic deposits to total assets | 81.8440% | 3,548 |
| Equity capital to assets | 17.5621% | 406 |
| Core capital (leverage) ratio | 17.0913% | 404 |
| Tier 1 risk-based capital ratio | 38.3739% | 267 |
| Total risk-based capital ratio | 39.1207% | 274 |
| Memoranda: | ||
| Average total assets | $28,699,400 | 5,042 |
| Average earning assets | $27,779,600 | 5,013 |
| Average equity | $4,804,600 | 4,906 |
| Average total loans | $9,174,400 | 5,067 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 4,325 |
| Cost of funding earning assets | 0.4013% | 4,496 |
| Net interest margin | 3.6166% | 3,207 |
| Noninterest income to average assets | 0.1664% | 4,721 |
| Noninterest expense to average assets | 1.8444% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4746% | 1,256 |
| Return on assets (ROA) | 1.4746% | 1,319 |
| Pretax return on assets | 1.8213% | 1,033 |
| Return on Equity (ROE) | 8.9147% | 2,925 |
| Retained earnings to average equity (ytd only) | 3.7447% | 3,521 |
| Net charge-offs to loans | 0.0289% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 196.7491% | 441 |
| Efficiency ratio | 50.3153% | 4,721 |
| Assets per employee ($millions) | 5.7280% | 1,827 |
| Cash dividends to net income (ytd only)* | 57.9940% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,211 |
| Loan loss allowance to noncurrent loans | 208.6957% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 3,938 |
| Noncurrent loans to loans | 0.5098% | 2,765 |
| Net loans and leases to total assets | 31.1732% | 5,036 |
| Net loans and leases to deposits | 37.9656% | 5,036 |
| Net loans and leases to core deposits | 38.7904% | 5,049 |
| Total domestic deposits to total assets | 82.1089% | 3,449 |
| Equity capital to assets | 17.4232% | 448 |
| Core capital (leverage) ratio | 17.3385% | 400 |
| Tier 1 risk-based capital ratio | 38.3564% | 271 |
| Total risk-based capital ratio | 39.0937% | 281 |
| Memoranda: | ||
| Average total assets | $28,843,500 | 5,113 |
| Average earning assets | $27,907,750 | 5,086 |
| Average equity | $4,771,000 | 4,976 |
| Average total loans | $9,241,250 | 5,147 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 4,353 |
| Cost of funding earning assets | 0.3641% | 4,636 |
| Net interest margin | 3.6479% | 3,108 |
| Noninterest income to average assets | 0.1729% | 4,717 |
| Noninterest expense to average assets | 1.8678% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4873% | 1,182 |
| Return on assets (ROA) | 1.4873% | 1,231 |
| Pretax return on assets | 1.8401% | 952 |
| Return on Equity (ROE) | 9.1528% | 2,793 |
| Retained earnings to average equity (ytd only) | 1.2771% | 4,358 |
| Net charge-offs to loans | 0.0429% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 553 |
| Efficiency ratio | 50.3731% | 4,762 |
| Assets per employee ($millions) | 5.6314% | 1,838 |
| Cash dividends to net income (ytd only)* | 86.0465% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,216 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,769 |
| Noncurrent loans to loans | 0.0224% | 4,612 |
| Net loans and leases to total assets | 31.3883% | 5,082 |
| Net loans and leases to deposits | 38.2068% | 5,074 |
| Net loans and leases to core deposits | 39.0509% | 5,091 |
| Total domestic deposits to total assets | 82.1536% | 3,470 |
| Equity capital to assets | 17.1005% | 456 |
| Core capital (leverage) ratio | 17.3706% | 394 |
| Tier 1 risk-based capital ratio | 37.5115% | 283 |
| Total risk-based capital ratio | 38.2479% | 287 |
| Memoranda: | ||
| Average total assets | $28,911,330 | 5,158 |
| Average earning assets | $28,016,000 | 5,127 |
| Average equity | $4,698,000 | 5,019 |
| Average total loans | $9,313,670 | 5,191 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0769% | 4,192 |
| Cost of funding earning assets | 0.3245% | 4,757 |
| Net interest margin | 3.7524% | 2,704 |
| Noninterest income to average assets | 0.1502% | 4,844 |
| Noninterest expense to average assets | 1.8984% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5160% | 1,076 |
| Return on assets (ROA) | 1.5160% | 1,103 |
| Pretax return on assets | 1.8847% | 820 |
| Return on Equity (ROE) | 9.5700% | 2,561 |
| Retained earnings to average equity (ytd only) | 1.3795% | 4,232 |
| Net charge-offs to loans | -0.0421% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1805% | 4,812 |
| Assets per employee ($millions) | 5.5914% | 1,892 |
| Cash dividends to net income (ytd only)* | 85.5856% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,312 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,751 |
| Noncurrent loans to loans | 0.0647% | 4,474 |
| Net loans and leases to total assets | 32.8039% | 5,097 |
| Net loans and leases to deposits | 39.6190% | 5,085 |
| Net loans and leases to core deposits | 40.4936% | 5,102 |
| Total domestic deposits to total assets | 82.7986% | 3,459 |
| Equity capital to assets | 16.8294% | 466 |
| Core capital (leverage) ratio | 16.1563% | 513 |
| Tier 1 risk-based capital ratio | 36.6707% | 287 |
| Total risk-based capital ratio | 37.4154% | 293 |
| Memoranda: | ||
| Average total assets | $29,288,500 | 5,208 |
| Average earning assets | $28,355,000 | 5,180 |
| Average equity | $4,639,500 | 5,066 |
| Average total loans | $9,503,500 | 5,251 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,942 |
| Cost of funding earning assets | 0.3085% | 4,528 |
| Net interest margin | 3.7236% | 2,950 |
| Noninterest income to average assets | 0.2170% | 4,612 |
| Noninterest expense to average assets | 2.0284% | 4,704 |
| Loan and lease loss provision to assets | 0.0689% | 2,760 |
| Net operating income to assets | 1.3879% | 1,472 |
| Return on assets (ROA) | 1.3879% | 1,468 |
| Pretax return on assets | 1.6944% | 1,182 |
| Return on Equity (ROE) | 8.9923% | 3,001 |
| Retained earnings to average equity (ytd only) | 2.8561% | 3,974 |
| Net charge-offs to loans | 0.1399% | 1,364 |
| Credit loss provision to net charge-offs | 142.8571% | 1,902 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 1,413 |
| Efficiency ratio | 53.4968% | 4,660 |
| Assets per employee ($millions) | 6.1240% | 1,440 |
| Cash dividends to net income (ytd only)* | 68.2382% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,641 |
| Loan loss allowance to noncurrent loans | 306.2500% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 4,306 |
| Noncurrent loans to loans | 0.3286% | 3,376 |
| Net loans and leases to total assets | 31.4794% | 5,181 |
| Net loans and leases to deposits | 37.2450% | 5,172 |
| Net loans and leases to core deposits | 37.9787% | 5,190 |
| Total domestic deposits to total assets | 84.5199% | 2,824 |
| Equity capital to assets | 14.9379% | 724 |
| Core capital (leverage) ratio | 16.5910% | 449 |
| Tier 1 risk-based capital ratio | 33.8252% | 345 |
| Total risk-based capital ratio | 34.5072% | 350 |
| Memoranda: | ||
| Average total assets | $29,037,400 | 5,255 |
| Average earning assets | $27,876,200 | 5,227 |
| Average equity | $4,481,600 | 5,109 |
| Average total loans | $10,007,000 | 5,288 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 3,619 |
| Cost of funding earning assets | 0.3114% | 4,440 |
| Net interest margin | 3.7907% | 2,682 |
| Noninterest income to average assets | 0.2141% | 4,685 |
| Noninterest expense to average assets | 2.1320% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3779% | 1,563 |
| Return on assets (ROA) | 1.3779% | 1,566 |
| Pretax return on assets | 1.7084% | 1,262 |
| Return on Equity (ROE) | 8.8519% | 3,153 |
| Retained earnings to average equity (ytd only) | 3.3195% | 4,090 |
| Net charge-offs to loans | 0.1191% | 1,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 40.7767% | 1,337 |
| Efficiency ratio | 55.5152% | 4,443 |
| Assets per employee ($millions) | 5.4934% | 1,921 |
| Cash dividends to net income (ytd only)* | 62.4994% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 4,570 |
| Loan loss allowance to noncurrent loans | 244.1176% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 4,346 |
| Noncurrent loans to loans | 0.3325% | 3,473 |
| Net loans and leases to total assets | 36.9243% | 5,110 |
| Net loans and leases to deposits | 45.0936% | 5,081 |
| Net loans and leases to core deposits | 46.1189% | 5,107 |
| Total domestic deposits to total assets | 81.8837% | 3,646 |
| Equity capital to assets | 16.1394% | 518 |
| Core capital (leverage) ratio | 17.2000% | 396 |
| Tier 1 risk-based capital ratio | 34.9196% | 325 |
| Total risk-based capital ratio | 35.5181% | 332 |
| Memoranda: | ||
| Average total assets | $28,641,750 | 5,329 |
| Average earning assets | $27,399,500 | 5,303 |
| Average equity | $4,458,500 | 5,178 |
| Average total loans | $10,074,500 | 5,352 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,756 |
| Cost of funding earning assets | 0.3018% | 4,405 |
| Net interest margin | 3.7075% | 2,896 |
| Noninterest income to average assets | 0.2273% | 4,662 |
| Noninterest expense to average assets | 2.0390% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3846% | 1,494 |
| Return on assets (ROA) | 1.3846% | 1,496 |
| Pretax return on assets | 1.7428% | 1,111 |
| Return on Equity (ROE) | 8.9993% | 3,021 |
| Retained earnings to average equity (ytd only) | 0.7164% | 4,819 |
| Net charge-offs to loans | -0.0200% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9162% | 4,702 |
| Assets per employee ($millions) | 5.6202% | 1,782 |
| Cash dividends to net income (ytd only)* | 92.0398% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 4,115 |
| Loan loss allowance to noncurrent loans | 251.3514% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,339 |
| Noncurrent loans to loans | 0.3782% | 3,336 |
| Net loans and leases to total assets | 34.4863% | 5,226 |
| Net loans and leases to deposits | 41.3333% | 5,211 |
| Net loans and leases to core deposits | 42.2339% | 5,235 |
| Total domestic deposits to total assets | 83.4348% | 3,273 |
| Equity capital to assets | 15.7254% | 548 |
| Core capital (leverage) ratio | 16.0027% | 492 |
| Tier 1 risk-based capital ratio | 34.9606% | 331 |
| Total risk-based capital ratio | 35.6454% | 336 |
| Memoranda: | ||
| Average total assets | $29,033,330 | 5,384 |
| Average earning assets | $27,835,330 | 5,359 |
| Average equity | $4,467,000 | 5,237 |
| Average total loans | $10,024,330 | 5,413 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,905 |
| Cost of funding earning assets | 0.2974% | 4,372 |
| Net interest margin | 3.6115% | 3,130 |
| Noninterest income to average assets | 0.1898% | 4,885 |
| Noninterest expense to average assets | 1.9526% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3153% | 1,594 |
| Return on assets (ROA) | 1.3153% | 1,601 |
| Pretax return on assets | 1.6949% | 1,127 |
| Return on Equity (ROE) | 8.6395% | 3,092 |
| Retained earnings to average equity (ytd only) | 0.1781% | 4,782 |
| Net charge-offs to loans | -0.0394% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5316% | 4,840 |
| Assets per employee ($millions) | 6.0528% | 1,473 |
| Cash dividends to net income (ytd only)* | 97.9381% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,287 |
| Loan loss allowance to noncurrent loans | 930.0000% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 4,943 |
| Noncurrent loans to loans | 0.1005% | 4,520 |
| Net loans and leases to total assets | 32.5800% | 5,305 |
| Net loans and leases to deposits | 38.3255% | 5,310 |
| Net loans and leases to core deposits | 39.0851% | 5,329 |
| Total domestic deposits to total assets | 85.0086% | 2,928 |
| Equity capital to assets | 14.6081% | 754 |
| Core capital (leverage) ratio | 16.0715% | 479 |
| Tier 1 risk-based capital ratio | 33.4676% | 359 |
| Total risk-based capital ratio | 34.1250% | 374 |
| Memoranda: | ||
| Average total assets | $29,499,500 | 5,440 |
| Average earning assets | $28,243,500 | 5,409 |
| Average equity | $4,491,000 | 5,289 |
| Average total loans | $10,144,500 | 5,475 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 3,151 |
| Cost of funding earning assets | 0.2960% | 4,177 |
| Net interest margin | 3.7795% | 2,500 |
| Noninterest income to average assets | 0.2382% | 4,706 |
| Noninterest expense to average assets | 2.0779% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3669% | 1,080 |
| Return on assets (ROA) | 1.3669% | 1,101 |
| Pretax return on assets | 1.7742% | 851 |
| Return on Equity (ROE) | 8.7743% | 2,416 |
| Retained earnings to average equity (ytd only) | 2.6810% | 3,710 |
| Net charge-offs to loans | 0.0770% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 909 |
| Efficiency ratio | 53.9427% | 4,955 |
| Assets per employee ($millions) | 4.7892% | 2,747 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,524 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 4,576 |
| Noncurrent loans to loans | 0.3096% | 3,673 |
| Net loans and leases to total assets | 35.6499% | 5,299 |
| Net loans and leases to deposits | 42.7278% | 5,273 |
| Net loans and leases to core deposits | 43.6379% | 5,303 |
| Total domestic deposits to total assets | 83.4348% | 3,413 |
| Equity capital to assets | 15.8726% | 532 |
| Core capital (leverage) ratio | 16.2322% | 444 |
| Tier 1 risk-based capital ratio | 33.3333% | 359 |
| Total risk-based capital ratio | 33.9814% | 371 |
| Memoranda: | ||
| Average total assets | $28,971,600 | 5,502 |
| Average earning assets | $27,702,200 | 5,471 |
| Average equity | $4,513,200 | 5,345 |
| Average total loans | $10,392,200 | 5,530 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,160 |
| Cost of funding earning assets | 0.2974% | 4,159 |
| Net interest margin | 3.7565% | 2,552 |
| Noninterest income to average assets | 0.2250% | 4,865 |
| Noninterest expense to average assets | 2.0713% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3273% | 1,258 |
| Return on assets (ROA) | 1.3273% | 1,289 |
| Pretax return on assets | 1.7498% | 1,005 |
| Return on Equity (ROE) | 8.5603% | 2,831 |
| Retained earnings to average equity (ytd only) | 3.0805% | 4,075 |
| Net charge-offs to loans | 0.1153% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 42.3325% | 1,247 |
| Efficiency ratio | 54.2067% | 4,923 |
| Assets per employee ($millions) | 4.8412% | 2,645 |
| Cash dividends to net income (ytd only)* | 64.0143% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,750 |
| Loan loss allowance to noncurrent loans | 505.5556% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 4,924 |
| Noncurrent loans to loans | 0.1687% | 4,389 |
| Net loans and leases to total assets | 36.4203% | 5,331 |
| Net loans and leases to deposits | 43.5870% | 5,321 |
| Net loans and leases to core deposits | 44.5038% | 5,354 |
| Total domestic deposits to total assets | 83.5577% | 3,271 |
| Equity capital to assets | 15.8467% | 569 |
| Core capital (leverage) ratio | 16.1041% | 482 |
| Tier 1 risk-based capital ratio | 32.7589% | 395 |
| Total risk-based capital ratio | 33.3912% | 403 |
| Memoranda: | ||
| Average total assets | $29,030,750 | 5,561 |
| Average earning assets | $27,790,750 | 5,530 |
| Average equity | $4,501,250 | 5,401 |
| Average total loans | $10,406,250 | 5,590 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,116 |
| Cost of funding earning assets | 0.2875% | 4,212 |
| Net interest margin | 3.7373% | 2,525 |
| Noninterest income to average assets | 0.2136% | 4,974 |
| Noninterest expense to average assets | 2.0809% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3781% | 1,112 |
| Return on assets (ROA) | 1.3781% | 1,141 |
| Pretax return on assets | 1.7157% | 1,020 |
| Return on Equity (ROE) | 8.9539% | 2,531 |
| Retained earnings to average equity (ytd only) | 0.6715% | 4,928 |
| Net charge-offs to loans | 0.1744% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,533 |
| Efficiency ratio | 54.8094% | 4,944 |
| Assets per employee ($millions) | 4.8383% | 2,596 |
| Cash dividends to net income (ytd only)* | 92.5000% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,716 |
| Loan loss allowance to noncurrent loans | 275.7576% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 4,744 |
| Noncurrent loans to loans | 0.3195% | 3,886 |
| Net loans and leases to total assets | 35.2635% | 5,407 |
| Net loans and leases to deposits | 42.1953% | 5,395 |
| Net loans and leases to core deposits | 43.0832% | 5,418 |
| Total domestic deposits to total assets | 83.5722% | 3,377 |
| Equity capital to assets | 15.5942% | 592 |
| Core capital (leverage) ratio | 15.5897% | 530 |
| Tier 1 risk-based capital ratio | 32.8224% | 377 |
| Total risk-based capital ratio | 33.4682% | 386 |
| Memoranda: | ||
| Average total assets | $29,025,330 | 5,609 |
| Average earning assets | $27,827,670 | 5,579 |
| Average equity | $4,467,330 | 5,448 |
| Average total loans | $10,318,330 | 5,638 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 2,865 |
| Cost of funding earning assets | 0.2881% | 4,163 |
| Net interest margin | 3.7593% | 2,262 |
| Noninterest income to average assets | 0.1930% | 5,116 |
| Noninterest expense to average assets | 2.0949% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4333% | 931 |
| Return on assets (ROA) | 1.4333% | 957 |
| Pretax return on assets | 1.6952% | 1,016 |
| Return on Equity (ROE) | 9.3746% | 2,248 |
| Retained earnings to average equity (ytd only) | 0.8113% | 4,716 |
| Net charge-offs to loans | 0.0776% | 1,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 794 |
| Efficiency ratio | 55.2727% | 5,014 |
| Assets per employee ($millions) | 5.0100% | 2,432 |
| Cash dividends to net income (ytd only)* | 91.3462% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 4,463 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,239 |
| Noncurrent loans to loans | 0.0690% | 4,923 |
| Net loans and leases to total assets | 33.4132% | 5,486 |
| Net loans and leases to deposits | 39.4610% | 5,488 |
| Net loans and leases to core deposits | 40.2517% | 5,514 |
| Total domestic deposits to total assets | 84.6740% | 3,227 |
| Equity capital to assets | 14.8370% | 686 |
| Core capital (leverage) ratio | 15.4242% | 537 |
| Tier 1 risk-based capital ratio | 32.2941% | 404 |
| Total risk-based capital ratio | 32.9792% | 417 |
| Memoranda: | ||
| Average total assets | $29,023,000 | 5,677 |
| Average earning assets | $27,771,000 | 5,644 |
| Average equity | $4,437,500 | 5,508 |
| Average total loans | $10,313,500 | 5,704 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,836 |
| Cost of funding earning assets | 0.3061% | 4,003 |
| Net interest margin | 3.7968% | 2,327 |
| Noninterest income to average assets | 0.2518% | 4,915 |
| Noninterest expense to average assets | 2.0962% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2877% | 1,242 |
| Return on assets (ROA) | 1.3265% | 1,209 |
| Pretax return on assets | 1.8160% | 770 |
| Return on Equity (ROE) | 8.2964% | 2,783 |
| Retained earnings to average equity (ytd only) | 2.1961% | 4,282 |
| Net charge-offs to loans | 0.0755% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 62.1250% | 863 |
| Efficiency ratio | 54.3199% | 5,219 |
| Assets per employee ($millions) | 4.6643% | 2,856 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,559 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 5,260 |
| Noncurrent loans to loans | 0.0763% | 4,935 |
| Net loans and leases to total assets | 37.1078% | 5,444 |
| Net loans and leases to deposits | 44.8945% | 5,405 |
| Net loans and leases to core deposits | 45.8864% | 5,436 |
| Total domestic deposits to total assets | 82.6556% | 3,874 |
| Equity capital to assets | 15.7757% | 524 |
| Core capital (leverage) ratio | 16.4543% | 406 |
| Tier 1 risk-based capital ratio | 32.2222% | 405 |
| Total risk-based capital ratio | 32.9210% | 416 |
| Memoranda: | ||
| Average total assets | $28,194,000 | 5,741 |
| Average earning assets | $26,785,800 | 5,710 |
| Average equity | $4,508,000 | 5,554 |
| Average total loans | $10,597,200 | 5,753 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 2,755 |
| Cost of funding earning assets | 0.3082% | 4,006 |
| Net interest margin | 3.8234% | 2,250 |
| Noninterest income to average assets | 0.2360% | 5,062 |
| Noninterest expense to average assets | 2.0628% | 5,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2419% | 1,485 |
| Return on assets (ROA) | 1.2745% | 1,468 |
| Pretax return on assets | 1.8504% | 803 |
| Return on Equity (ROE) | 7.9446% | 3,038 |
| Retained earnings to average equity (ytd only) | 2.5011% | 4,420 |
| Net charge-offs to loans | 0.1129% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 42.4433% | 1,191 |
| Efficiency ratio | 53.3578% | 5,281 |
| Assets per employee ($millions) | 4.5965% | 2,932 |
| Cash dividends to net income (ytd only)* | 68.5186% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,722 |
| Loan loss allowance to noncurrent loans | 1,237.5000% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,385 |
| Noncurrent loans to loans | 0.0757% | 5,045 |
| Net loans and leases to total assets | 37.9600% | 5,468 |
| Net loans and leases to deposits | 47.2748% | 5,400 |
| Net loans and leases to core deposits | 48.3668% | 5,444 |
| Total domestic deposits to total assets | 80.2966% | 4,441 |
| Equity capital to assets | 16.6866% | 462 |
| Core capital (leverage) ratio | 16.5951% | 401 |
| Tier 1 risk-based capital ratio | 33.5132% | 370 |
| Total risk-based capital ratio | 34.2349% | 378 |
| Memoranda: | ||
| Average total assets | $28,246,000 | 5,800 |
| Average earning assets | $26,816,500 | 5,771 |
| Average equity | $4,531,250 | 5,607 |
| Average total loans | $10,625,250 | 5,814 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,164 |
| Cost of funding earning assets | 0.3074% | 4,046 |
| Net interest margin | 3.7175% | 2,623 |
| Noninterest income to average assets | 0.2389% | 5,055 |
| Noninterest expense to average assets | 2.1146% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2414% | 1,459 |
| Return on assets (ROA) | 1.2927% | 1,400 |
| Pretax return on assets | 1.7634% | 951 |
| Return on Equity (ROE) | 8.1639% | 2,903 |
| Retained earnings to average equity (ytd only) | -0.0444% | 5,299 |
| Net charge-offs to loans | 0.1691% | 1,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 26.7778% | 1,479 |
| Efficiency ratio | 55.5351% | 5,193 |
| Assets per employee ($millions) | 4.5958% | 2,871 |
| Cash dividends to net income (ytd only)* | 100.5435% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,659 |
| Loan loss allowance to noncurrent loans | 353.5714% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 5,108 |
| Noncurrent loans to loans | 0.2749% | 4,384 |
| Net loans and leases to total assets | 36.5802% | 5,584 |
| Net loans and leases to deposits | 44.2121% | 5,555 |
| Net loans and leases to core deposits | 45.2028% | 5,588 |
| Total domestic deposits to total assets | 82.7380% | 3,747 |
| Equity capital to assets | 16.3518% | 497 |
| Core capital (leverage) ratio | 16.1841% | 442 |
| Tier 1 risk-based capital ratio | 33.5066% | 371 |
| Total risk-based capital ratio | 34.2420% | 378 |
| Memoranda: | ||
| Average total assets | $28,468,330 | 5,872 |
| Average earning assets | $27,330,330 | 5,833 |
| Average equity | $4,507,670 | 5,675 |
| Average total loans | $10,644,330 | 5,887 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,404 |
| Cost of funding earning assets | 0.3183% | 3,968 |
| Net interest margin | 3.6311% | 2,964 |
| Noninterest income to average assets | 0.1937% | 5,348 |
| Noninterest expense to average assets | 1.9782% | 5,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2981% | 1,257 |
| Return on assets (ROA) | 1.3834% | 1,127 |
| Pretax return on assets | 1.7984% | 849 |
| Return on Equity (ROE) | 8.8751% | 2,485 |
| Retained earnings to average equity (ytd only) | 0.4438% | 5,006 |
| Net charge-offs to loans | 0.4047% | 556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.0909% | 1,883 |
| Efficiency ratio | 53.9623% | 5,390 |
| Assets per employee ($millions) | 4.7382% | 2,690 |
| Cash dividends to net income (ytd only)* | 95.0000% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 5,017 |
| Loan loss allowance to noncurrent loans | 510.5263% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,333 |
| Noncurrent loans to loans | 0.1788% | 4,768 |
| Net loans and leases to total assets | 37.0467% | 5,595 |
| Net loans and leases to deposits | 44.2949% | 5,577 |
| Net loans and leases to core deposits | 45.2464% | 5,619 |
| Total domestic deposits to total assets | 83.6364% | 3,665 |
| Equity capital to assets | 15.8817% | 547 |
| Core capital (leverage) ratio | 15.6797% | 512 |
| Tier 1 risk-based capital ratio | 32.1907% | 424 |
| Total risk-based capital ratio | 32.8820% | 437 |
| Memoranda: | ||
| Average total assets | $28,915,000 | 5,925 |
| Average earning assets | $27,650,000 | 5,886 |
| Average equity | $4,507,000 | 5,720 |
| Average total loans | $10,873,500 | 5,939 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 2,543 |
| Cost of funding earning assets | 0.3313% | 3,894 |
| Net interest margin | 3.8739% | 2,117 |
| Noninterest income to average assets | 0.2603% | 5,033 |
| Noninterest expense to average assets | 2.3627% | 4,607 |
| Loan and lease loss provision to assets | 0.0667% | 2,953 |
| Net operating income to assets | 1.2891% | 1,295 |
| Return on assets (ROA) | 1.3115% | 1,291 |
| Pretax return on assets | 1.5651% | 1,358 |
| Return on Equity (ROE) | 8.8850% | 2,512 |
| Retained earnings to average equity (ytd only) | 2.7808% | 4,097 |
| Net charge-offs to loans | -0.2332% | 5,976 |
| Credit loss provision to net charge-offs | -83.3333% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5458% | 4,970 |
| Assets per employee ($millions) | 4.9002% | 2,471 |
| Cash dividends to net income (ytd only)* | 68.7023% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 37.4477% | 5,646 |
| Net loans and leases to deposits | 46.1655% | 5,551 |
| Net loans and leases to core deposits | 47.1541% | 5,598 |
| Total domestic deposits to total assets | 81.1163% | 4,447 |
| Equity capital to assets | 15.3022% | 626 |
| Core capital (leverage) ratio | 15.1965% | 581 |
| Tier 1 risk-based capital ratio | 30.7252% | 475 |
| Total risk-based capital ratio | 31.4607% | 491 |
| Memoranda: | ||
| Average total assets | $29,965,400 | 5,957 |
| Average earning assets | $28,679,000 | 5,924 |
| Average equity | $4,423,200 | 5,779 |
| Average total loans | $10,290,600 | 6,008 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 2,639 |
| Cost of funding earning assets | 0.3327% | 3,945 |
| Net interest margin | 3.8487% | 2,196 |
| Noninterest income to average assets | 0.2524% | 5,134 |
| Noninterest expense to average assets | 2.3649% | 4,609 |
| Loan and lease loss provision to assets | 0.0886% | 2,385 |
| Net operating income to assets | 1.2016% | 1,644 |
| Return on assets (ROA) | 1.2267% | 1,623 |
| Pretax return on assets | 1.5190% | 1,630 |
| Return on Equity (ROE) | 8.3855% | 2,882 |
| Retained earnings to average equity (ytd only) | 2.9365% | 4,363 |
| Net charge-offs to loans | 0.2909% | 914 |
| Credit loss provision to net charge-offs | 90.9091% | 2,460 |
| Earnings coverage of net charge-offs (x) | 16.1831% | 2,134 |
| Efficiency ratio | 60.0000% | 4,887 |
| Assets per employee ($millions) | 4.9165% | 2,400 |
| Cash dividends to net income (ytd only)* | 64.9816% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6339% | 5,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 32.9469% | 5,896 |
| Net loans and leases to deposits | 39.2227% | 5,892 |
| Net loans and leases to core deposits | 40.0305% | 5,916 |
| Total domestic deposits to total assets | 83.9995% | 3,429 |
| Equity capital to assets | 15.2039% | 696 |
| Core capital (leverage) ratio | 14.9993% | 634 |
| Tier 1 risk-based capital ratio | 33.2099% | 406 |
| Total risk-based capital ratio | 33.6689% | 426 |
| Memoranda: | ||
| Average total assets | $30,106,500 | 6,039 |
| Average earning assets | $28,857,750 | 6,003 |
| Average equity | $4,404,250 | 5,859 |
| Average total loans | $10,083,750 | 6,092 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,836 |
| Cost of funding earning assets | 0.3299% | 4,050 |
| Net interest margin | 3.7867% | 2,373 |
| Noninterest income to average assets | 0.2573% | 5,114 |
| Noninterest expense to average assets | 2.3359% | 4,757 |
| Loan and lease loss provision to assets | 0.1320% | 1,661 |
| Net operating income to assets | 1.1751% | 1,682 |
| Return on assets (ROA) | 1.2076% | 1,657 |
| Pretax return on assets | 1.4649% | 1,746 |
| Return on Equity (ROE) | 8.3613% | 2,868 |
| Retained earnings to average equity (ytd only) | 0.1371% | 5,461 |
| Net charge-offs to loans | 0.4909% | 506 |
| Credit loss provision to net charge-offs | 80.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 9.4400% | 2,453 |
| Efficiency ratio | 60.0000% | 4,978 |
| Assets per employee ($millions) | 4.9648% | 2,316 |
| Cash dividends to net income (ytd only)* | 98.3607% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 5,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.4146% | 5,950 |
| Net loans and leases to deposits | 38.4196% | 5,962 |
| Net loans and leases to core deposits | 39.1994% | 5,983 |
| Total domestic deposits to total assets | 84.3701% | 3,411 |
| Equity capital to assets | 14.6430% | 786 |
| Core capital (leverage) ratio | 14.3826% | 742 |
| Tier 1 risk-based capital ratio | 32.3343% | 447 |
| Total risk-based capital ratio | 32.7688% | 471 |
| Memoranda: | ||
| Average total assets | $30,309,000 | 6,106 |
| Average earning assets | $29,101,670 | 6,063 |
| Average equity | $4,377,330 | 5,925 |
| Average total loans | $10,184,670 | 6,162 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,565 |
| Cost of funding earning assets | 0.3420% | 3,969 |
| Net interest margin | 3.8299% | 2,133 |
| Noninterest income to average assets | 0.2355% | 5,279 |
| Noninterest expense to average assets | 2.3292% | 4,794 |
| Loan and lease loss provision to assets | 0.2617% | 613 |
| Net operating income to assets | 1.1253% | 1,773 |
| Return on assets (ROA) | 1.1253% | 1,879 |
| Pretax return on assets | 1.3085% | 2,251 |
| Return on Equity (ROE) | 7.8449% | 3,042 |
| Retained earnings to average equity (ytd only) | -0.8210% | 5,522 |
| Net charge-offs to loans | 0.6526% | 372 |
| Credit loss provision to net charge-offs | 117.6471% | 1,461 |
| Earnings coverage of net charge-offs (x) | 7.0588% | 2,216 |
| Efficiency ratio | 59.7315% | 5,126 |
| Assets per employee ($millions) | 5.1125% | 2,206 |
| Cash dividends to net income (ytd only)* | 110.4651% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 5,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 32.5053% | 5,982 |
| Net loans and leases to deposits | 38.4862% | 5,969 |
| Net loans and leases to core deposits | 39.2435% | 5,998 |
| Total domestic deposits to total assets | 84.4597% | 3,631 |
| Equity capital to assets | 14.2950% | 891 |
| Core capital (leverage) ratio | 14.1752% | 772 |
| Tier 1 risk-based capital ratio | 31.3956% | 481 |
| Total risk-based capital ratio | 31.8759% | 505 |
| Memoranda: | ||
| Average total assets | $30,569,000 | 6,164 |
| Average earning assets | $29,243,500 | 6,119 |
| Average equity | $4,385,000 | 5,977 |
| Average total loans | $10,419,500 | 6,223 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,212 |
| Cost of funding earning assets | 0.3938% | 3,753 |
| Net interest margin | 3.7341% | 2,860 |
| Noninterest income to average assets | 0.3127% | 4,886 |
| Noninterest expense to average assets | 2.3290% | 5,026 |
| Loan and lease loss provision to assets | 0.0638% | 3,240 |
| Net operating income to assets | 1.2155% | 1,542 |
| Return on assets (ROA) | 1.2155% | 1,596 |
| Pretax return on assets | 1.4899% | 1,581 |
| Return on Equity (ROE) | 9.1433% | 2,520 |
| Retained earnings to average equity (ytd only) | 2.7838% | 4,259 |
| Net charge-offs to loans | 0.5423% | 749 |
| Credit loss provision to net charge-offs | 35.7143% | 3,750 |
| Earnings coverage of net charge-offs (x) | 8.6964% | 2,840 |
| Efficiency ratio | 59.9836% | 5,229 |
| Assets per employee ($millions) | 4.3519% | 3,269 |
| Cash dividends to net income (ytd only)* | 69.5538% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 6,152 |
| Loan loss allowance to noncurrent loans | 376.4706% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 5,794 |
| Noncurrent loans to loans | 0.1574% | 5,267 |
| Net loans and leases to total assets | 35.2460% | 5,986 |
| Net loans and leases to deposits | 41.4748% | 5,986 |
| Net loans and leases to core deposits | 42.2916% | 6,024 |
| Total domestic deposits to total assets | 84.9818% | 3,290 |
| Equity capital to assets | 14.3945% | 842 |
| Core capital (leverage) ratio | 15.6873% | 503 |
| Tier 1 risk-based capital ratio | 30.2023% | 500 |
| Total risk-based capital ratio | 30.6427% | 526 |
| Memoranda: | ||
| Average total assets | $31,344,200 | 6,225 |
| Average earning assets | $29,967,400 | 6,185 |
| Average equity | $4,167,000 | 6,056 |
| Average total loans | $10,327,200 | 6,307 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,488 |
| Cost of funding earning assets | 0.4056% | 3,720 |
| Net interest margin | 3.6637% | 3,173 |
| Noninterest income to average assets | 0.3168% | 4,905 |
| Noninterest expense to average assets | 2.2683% | 5,183 |
| Loan and lease loss provision to assets | 0.0845% | 2,666 |
| Net operating income to assets | 1.1574% | 1,833 |
| Return on assets (ROA) | 1.1574% | 1,897 |
| Pretax return on assets | 1.4742% | 1,728 |
| Return on Equity (ROE) | 8.8832% | 2,746 |
| Retained earnings to average equity (ytd only) | 3.0475% | 4,449 |
| Net charge-offs to loans | 0.7313% | 467 |
| Credit loss provision to net charge-offs | 35.7143% | 3,358 |
| Earnings coverage of net charge-offs (x) | 6.5897% | 3,054 |
| Efficiency ratio | 59.2715% | 5,278 |
| Assets per employee ($millions) | 4.3161% | 3,269 |
| Cash dividends to net income (ytd only)* | 65.6931% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 6,231 |
| Loan loss allowance to noncurrent loans | 193.9394% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 5,726 |
| Noncurrent loans to loans | 0.3058% | 4,992 |
| Net loans and leases to total assets | 35.5046% | 6,050 |
| Net loans and leases to deposits | 43.9739% | 5,971 |
| Net loans and leases to core deposits | 44.8941% | 5,998 |
| Total domestic deposits to total assets | 80.7401% | 4,904 |
| Equity capital to assets | 14.2753% | 923 |
| Core capital (leverage) ratio | 15.0671% | 610 |
| Tier 1 risk-based capital ratio | 29.7513% | 540 |
| Total risk-based capital ratio | 30.1874% | 574 |
| Memoranda: | ||
| Average total assets | $31,564,500 | 6,297 |
| Average earning assets | $30,241,500 | 6,252 |
| Average equity | $4,112,500 | 6,137 |
| Average total loans | $10,208,750 | 6,380 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 3,916 |
| Cost of funding earning assets | 0.4241% | 3,610 |
| Net interest margin | 3.5300% | 3,656 |
| Noninterest income to average assets | 0.3248% | 4,813 |
| Noninterest expense to average assets | 2.1990% | 5,413 |
| Loan and lease loss provision to assets | 0.1249% | 1,975 |
| Net operating income to assets | 1.1307% | 1,816 |
| Return on assets (ROA) | 1.1307% | 1,908 |
| Pretax return on assets | 1.3806% | 1,966 |
| Return on Equity (ROE) | 8.9478% | 2,621 |
| Retained earnings to average equity (ytd only) | 0.0494% | 5,658 |
| Net charge-offs to loans | 1.1383% | 282 |
| Credit loss provision to net charge-offs | 35.0877% | 2,987 |
| Earnings coverage of net charge-offs (x) | 4.2281% | 3,151 |
| Efficiency ratio | 59.3592% | 5,378 |
| Assets per employee ($millions) | 4.4527% | 3,002 |
| Cash dividends to net income (ytd only)* | 99.4475% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6159% | 6,291 |
| Loan loss allowance to noncurrent loans | 210.0000% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 5,630 |
| Noncurrent loans to loans | 0.2933% | 5,138 |
| Net loans and leases to total assets | 32.6157% | 6,216 |
| Net loans and leases to deposits | 39.5826% | 6,171 |
| Net loans and leases to core deposits | 40.3685% | 6,209 |
| Total domestic deposits to total assets | 82.3992% | 4,506 |
| Equity capital to assets | 13.3402% | 1,215 |
| Core capital (leverage) ratio | 14.4852% | 705 |
| Tier 1 risk-based capital ratio | 29.6510% | 541 |
| Total risk-based capital ratio | 30.0881% | 578 |
| Memoranda: | ||
| Average total assets | $32,015,000 | 6,352 |
| Average earning assets | $30,651,330 | 6,305 |
| Average equity | $4,045,670 | 6,197 |
| Average total loans | $10,014,670 | 6,449 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 3,827 |
| Cost of funding earning assets | 0.4379% | 3,562 |
| Net interest margin | 3.5288% | 3,574 |
| Noninterest income to average assets | 0.2959% | 4,996 |
| Noninterest expense to average assets | 2.2196% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2208% | 1,421 |
| Return on assets (ROA) | 1.2208% | 1,476 |
| Pretax return on assets | 1.4551% | 1,570 |
| Return on Equity (ROE) | 9.9261% | 2,066 |
| Retained earnings to average equity (ytd only) | 0.4011% | 5,415 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4027% | 5,349 |
| Assets per employee ($millions) | 4.6234% | 2,766 |
| Cash dividends to net income (ytd only)* | 95.9596% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 5,283 |
| Loan loss allowance to noncurrent loans | 270.2703% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 5,907 |
| Noncurrent loans to loans | 0.3925% | 4,954 |
| Net loans and leases to total assets | 28.8191% | 6,395 |
| Net loans and leases to deposits | 33.0991% | 6,397 |
| Net loans and leases to core deposits | 33.6970% | 6,418 |
| Total domestic deposits to total assets | 87.0690% | 2,763 |
| Equity capital to assets | 12.5077% | 1,572 |
| Core capital (leverage) ratio | 13.2890% | 1,043 |
| Tier 1 risk-based capital ratio | 30.5866% | 506 |
| Total risk-based capital ratio | 31.3019% | 519 |
| Memoranda: | ||
| Average total assets | $32,438,000 | 6,406 |
| Average earning assets | $31,059,000 | 6,359 |
| Average equity | $3,989,500 | 6,253 |
| Average total loans | $9,907,500 | 6,519 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 4,600 |
| Cost of funding earning assets | 0.4887% | 3,727 |
| Net interest margin | 3.3737% | 4,389 |
| Noninterest income to average assets | 0.3141% | 5,098 |
| Noninterest expense to average assets | 1.8848% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2087% | 1,529 |
| Return on assets (ROA) | 1.2087% | 1,605 |
| Pretax return on assets | 1.6515% | 1,050 |
| Return on Equity (ROE) | 10.0668% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.4636% | 3,768 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2995% | 6,193 |
| Assets per employee ($millions) | 4.6446% | 2,661 |
| Cash dividends to net income (ytd only)* | 65.5941% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 5,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.6437% | 6,408 |
| Net loans and leases to deposits | 38.8681% | 6,341 |
| Net loans and leases to core deposits | 39.6165% | 6,376 |
| Total domestic deposits to total assets | 81.4130% | 5,064 |
| Equity capital to assets | 12.0909% | 1,744 |
| Core capital (leverage) ratio | 12.5795% | 1,319 |
| Tier 1 risk-based capital ratio | 28.7716% | 569 |
| Total risk-based capital ratio | 29.4450% | 585 |
| Memoranda: | ||
| Average total assets | $33,424,800 | 6,447 |
| Average earning assets | $31,923,000 | 6,401 |
| Average equity | $4,013,200 | 6,322 |
| Average total loans | $10,223,600 | 6,580 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,997 |
| Cost of funding earning assets | 0.4935% | 3,839 |
| Net interest margin | 3.2677% | 4,759 |
| Noninterest income to average assets | 0.2892% | 5,378 |
| Noninterest expense to average assets | 1.8344% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1133% | 1,961 |
| Return on assets (ROA) | 1.1133% | 2,029 |
| Pretax return on assets | 1.5769% | 1,398 |
| Return on Equity (ROE) | 9.2881% | 2,502 |
| Retained earnings to average equity (ytd only) | 3.3383% | 4,302 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7747% | 6,124 |
| Assets per employee ($millions) | 5.6685% | 1,481 |
| Cash dividends to net income (ytd only)* | 64.0554% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,019 |
| Loan loss allowance to noncurrent loans | 909.0909% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,382 |
| Noncurrent loans to loans | 0.1007% | 6,030 |
| Net loans and leases to total assets | 31.8338% | 6,459 |
| Net loans and leases to deposits | 41.6151% | 6,333 |
| Net loans and leases to core deposits | 42.4305% | 6,375 |
| Total domestic deposits to total assets | 76.4958% | 6,113 |
| Equity capital to assets | 11.5874% | 2,234 |
| Core capital (leverage) ratio | 12.4394% | 1,450 |
| Tier 1 risk-based capital ratio | 27.3126% | 680 |
| Total risk-based capital ratio | 27.9577% | 716 |
| Memoranda: | ||
| Average total assets | $33,653,000 | 6,513 |
| Average earning assets | $32,152,250 | 6,464 |
| Average equity | $4,033,750 | 6,394 |
| Average total loans | $10,182,500 | 6,651 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 5,076 |
| Cost of funding earning assets | 0.5050% | 3,850 |
| Net interest margin | 3.2173% | 4,880 |
| Noninterest income to average assets | 0.2922% | 5,360 |
| Noninterest expense to average assets | 1.8608% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1272% | 1,827 |
| Return on assets (ROA) | 1.1272% | 1,948 |
| Pretax return on assets | 1.5089% | 1,590 |
| Return on Equity (ROE) | 9.2996% | 2,494 |
| Retained earnings to average equity (ytd only) | 0.4428% | 5,718 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2212% | 6,049 |
| Assets per employee ($millions) | 5.6383% | 1,469 |
| Cash dividends to net income (ytd only)* | 95.2381% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,030 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 6,532 |
| Noncurrent loans to loans | 0.0281% | 6,325 |
| Net loans and leases to total assets | 31.2119% | 6,537 |
| Net loans and leases to deposits | 37.5926% | 6,499 |
| Net loans and leases to core deposits | 38.2739% | 6,531 |
| Total domestic deposits to total assets | 83.0269% | 4,691 |
| Equity capital to assets | 11.5903% | 2,226 |
| Core capital (leverage) ratio | 12.1584% | 1,531 |
| Tier 1 risk-based capital ratio | 26.9486% | 697 |
| Total risk-based capital ratio | 27.5992% | 727 |
| Memoranda: | ||
| Average total assets | $33,533,670 | 6,566 |
| Average earning assets | $32,076,330 | 6,513 |
| Average equity | $4,064,670 | 6,434 |
| Average total loans | $9,934,330 | 6,711 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,793 |
| Cost of funding earning assets | 0.5157% | 3,920 |
| Net interest margin | 3.2957% | 4,532 |
| Noninterest income to average assets | 0.2157% | 5,933 |
| Noninterest expense to average assets | 1.8571% | 6,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2341% | 1,423 |
| Return on assets (ROA) | 1.2341% | 1,535 |
| Pretax return on assets | 1.4977% | 1,560 |
| Return on Equity (ROE) | 9.9601% | 2,078 |
| Retained earnings to average equity (ytd only) | 0.7736% | 5,526 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3571% | 6,123 |
| Assets per employee ($millions) | 5.6908% | 1,495 |
| Cash dividends to net income (ytd only)* | 92.2330% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 5,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 26.7155% | 6,707 |
| Net loans and leases to deposits | 30.5451% | 6,732 |
| Net loans and leases to core deposits | 31.0652% | 6,743 |
| Total domestic deposits to total assets | 87.4623% | 2,654 |
| Equity capital to assets | 12.1043% | 1,971 |
| Core capital (leverage) ratio | 12.2341% | 1,444 |
| Tier 1 risk-based capital ratio | 29.1353% | 573 |
| Total risk-based capital ratio | 29.8389% | 597 |
| Memoranda: | ||
| Average total assets | $33,385,500 | 6,635 |
| Average earning assets | $31,799,000 | 6,582 |
| Average equity | $4,136,500 | 6,483 |
| Average total loans | $9,572,000 | 6,795 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 4,393 |
| Cost of funding earning assets | 0.6532% | 3,888 |
| Net interest margin | 3.5996% | 4,086 |
| Noninterest income to average assets | 0.3253% | 5,131 |
| Noninterest expense to average assets | 1.9871% | 6,353 |
| Loan and lease loss provision to assets | 0.0478% | 5,226 |
| Net operating income to assets | 1.2378% | 1,482 |
| Return on assets (ROA) | 1.2471% | 1,617 |
| Pretax return on assets | 1.7128% | 1,103 |
| Return on Equity (ROE) | 9.6272% | 2,348 |
| Retained earnings to average equity (ytd only) | 3.2255% | 3,952 |
| Net charge-offs to loans | 0.0101% | 5,793 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 548.0000% | 76 |
| Efficiency ratio | 53.2024% | 6,356 |
| Assets per employee ($millions) | 5.4377% | 1,742 |
| Cash dividends to net income (ytd only)* | 66.4962% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 5,933 |
| Loan loss allowance to noncurrent loans | 370.3704% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,390 |
| Noncurrent loans to loans | 0.2721% | 5,802 |
| Net loans and leases to total assets | 30.1048% | 6,693 |
| Net loans and leases to deposits | 34.7423% | 6,719 |
| Net loans and leases to core deposits | 35.3678% | 6,738 |
| Total domestic deposits to total assets | 86.6518% | 3,024 |
| Equity capital to assets | 12.6893% | 1,597 |
| Core capital (leverage) ratio | 12.9561% | 1,128 |
| Tier 1 risk-based capital ratio | 29.1015% | 553 |
| Total risk-based capital ratio | 29.8057% | 576 |
| Memoranda: | ||
| Average total assets | $31,351,600 | 6,723 |
| Average earning assets | $29,697,800 | 6,672 |
| Average equity | $4,061,400 | 6,553 |
| Average total loans | $9,886,000 | 6,851 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 4,281 |
| Cost of funding earning assets | 0.6735% | 3,990 |
| Net interest margin | 3.6702% | 3,920 |
| Noninterest income to average assets | 0.3093% | 5,310 |
| Noninterest expense to average assets | 2.0064% | 6,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2674% | 1,520 |
| Return on assets (ROA) | 1.2674% | 1,682 |
| Pretax return on assets | 1.7916% | 1,068 |
| Return on Equity (ROE) | 9.7314% | 2,484 |
| Retained earnings to average equity (ytd only) | 3.9587% | 4,096 |
| Net charge-offs to loans | 0.0135% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 418.0376% | 112 |
| Efficiency ratio | 52.8281% | 6,374 |
| Assets per employee ($millions) | 5.2948% | 1,835 |
| Cash dividends to net income (ytd only)* | 59.3232% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 6,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 33.2085% | 6,695 |
| Net loans and leases to deposits | 40.5395% | 6,660 |
| Net loans and leases to core deposits | 41.3336% | 6,691 |
| Total domestic deposits to total assets | 81.9163% | 5,055 |
| Equity capital to assets | 12.9875% | 1,593 |
| Core capital (leverage) ratio | 12.8223% | 1,264 |
| Tier 1 risk-based capital ratio | 28.3787% | 621 |
| Total risk-based capital ratio | 28.9639% | 671 |
| Memoranda: | ||
| Average total assets | $31,033,000 | 6,816 |
| Average earning assets | $29,498,250 | 6,763 |
| Average equity | $4,041,750 | 6,629 |
| Average total loans | $9,877,000 | 6,945 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 4,572 |
| Cost of funding earning assets | 0.7053% | 3,969 |
| Net interest margin | 3.5951% | 4,281 |
| Noninterest income to average assets | 0.3248% | 5,229 |
| Noninterest expense to average assets | 2.0398% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2213% | 1,639 |
| Return on assets (ROA) | 1.2213% | 1,832 |
| Pretax return on assets | 1.6955% | 1,269 |
| Return on Equity (ROE) | 9.3680% | 2,634 |
| Retained earnings to average equity (ytd only) | 0.6478% | 5,803 |
| Net charge-offs to loans | 0.0208% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 164 |
| Efficiency ratio | 54.6087% | 6,262 |
| Assets per employee ($millions) | 4.5433% | 2,823 |
| Cash dividends to net income (ytd only)* | 93.0851% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 6,595 |
| Loan loss allowance to noncurrent loans | 944.4444% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 6,759 |
| Noncurrent loans to loans | 0.0885% | 6,441 |
| Net loans and leases to total assets | 31.7234% | 6,817 |
| Net loans and leases to deposits | 36.6793% | 6,852 |
| Net loans and leases to core deposits | 37.3584% | 6,880 |
| Total domestic deposits to total assets | 86.4887% | 3,081 |
| Equity capital to assets | 12.6466% | 1,725 |
| Core capital (leverage) ratio | 12.7984% | 1,216 |
| Tier 1 risk-based capital ratio | 28.4399% | 615 |
| Total risk-based capital ratio | 29.0419% | 641 |
| Memoranda: | ||
| Average total assets | $30,787,670 | 6,875 |
| Average earning assets | $29,206,330 | 6,825 |
| Average equity | $4,013,670 | 6,677 |
| Average total loans | $9,624,330 | 7,013 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 4,082 |
| Cost of funding earning assets | 0.7242% | 4,085 |
| Net interest margin | 3.7325% | 3,682 |
| Noninterest income to average assets | 0.2510% | 5,846 |
| Noninterest expense to average assets | 2.0740% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3474% | 1,330 |
| Return on assets (ROA) | 1.3474% | 1,485 |
| Pretax return on assets | 1.7173% | 1,264 |
| Return on Equity (ROE) | 10.1758% | 2,336 |
| Retained earnings to average equity (ytd only) | 0.6983% | 5,783 |
| Net charge-offs to loans | 0.0428% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 273 |
| Efficiency ratio | 54.7038% | 6,264 |
| Assets per employee ($millions) | 4.4933% | 3,008 |
| Cash dividends to net income (ytd only)* | 93.1373% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,439 |
| Loan loss allowance to noncurrent loans | 293.1034% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 6,653 |
| Noncurrent loans to loans | 0.3214% | 6,036 |
| Net loans and leases to total assets | 28.4202% | 6,965 |
| Net loans and leases to deposits | 32.7208% | 6,991 |
| Net loans and leases to core deposits | 33.3308% | 7,010 |
| Total domestic deposits to total assets | 86.8566% | 3,042 |
| Equity capital to assets | 12.6602% | 1,617 |
| Core capital (leverage) ratio | 12.9043% | 1,159 |
| Tier 1 risk-based capital ratio | 30.2664% | 508 |
| Total risk-based capital ratio | 30.9080% | 529 |
| Memoranda: | ||
| Average total assets | $30,280,000 | 6,940 |
| Average earning assets | $28,720,500 | 6,890 |
| Average equity | $4,009,500 | 6,711 |
| Average total loans | $9,349,500 | 7,089 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 3,547 |
| Cost of funding earning assets | 0.8761% | 4,285 |
| Net interest margin | 3.9828% | 2,973 |
| Noninterest income to average assets | 0.3337% | 5,150 |
| Noninterest expense to average assets | 2.1723% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4286% | 970 |
| Return on assets (ROA) | 1.4389% | 1,028 |
| Pretax return on assets | 1.9359% | 617 |
| Return on Equity (ROE) | 10.4651% | 1,884 |
| Retained earnings to average equity (ytd only) | 4.1456% | 3,230 |
| Net charge-offs to loans | 0.0642% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 92.1667% | 328 |
| Efficiency ratio | 53.0560% | 6,608 |
| Assets per employee ($millions) | 4.8512% | 2,379 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,557 |
| Loan loss allowance to noncurrent loans | 390.9091% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 6,761 |
| Noncurrent loans to loans | 0.2274% | 6,285 |
| Net loans and leases to total assets | 32.9440% | 6,916 |
| Net loans and leases to deposits | 38.5844% | 6,933 |
| Net loans and leases to core deposits | 39.3766% | 6,965 |
| Total domestic deposits to total assets | 85.3815% | 3,654 |
| Equity capital to assets | 13.8695% | 1,117 |
| Core capital (leverage) ratio | 13.7055% | 898 |
| Tier 1 risk-based capital ratio | 30.0744% | 516 |
| Total risk-based capital ratio | 30.7207% | 535 |
| Memoranda: | ||
| Average total assets | $28,772,000 | 7,001 |
| Average earning assets | $27,166,800 | 6,954 |
| Average equity | $3,956,000 | 6,762 |
| Average total loans | $9,350,000 | 7,136 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 3,810 |
| Cost of funding earning assets | 0.9090% | 4,337 |
| Net interest margin | 3.9358% | 3,202 |
| Noninterest income to average assets | 0.3114% | 5,374 |
| Noninterest expense to average assets | 2.1053% | 6,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5549% | 838 |
| Return on assets (ROA) | 1.5662% | 898 |
| Pretax return on assets | 1.9427% | 705 |
| Return on Equity (ROE) | 11.4164% | 1,713 |
| Retained earnings to average equity (ytd only) | 5.6574% | 2,769 |
| Net charge-offs to loans | 0.0288% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 207.2360% | 191 |
| Efficiency ratio | 52.1889% | 6,658 |
| Assets per employee ($millions) | 4.8160% | 2,446 |
| Cash dividends to net income (ytd only)* | 50.4451% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,504 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 7,021 |
| Noncurrent loans to loans | 0.0518% | 6,805 |
| Net loans and leases to total assets | 33.0807% | 6,993 |
| Net loans and leases to deposits | 38.9305% | 7,008 |
| Net loans and leases to core deposits | 39.7398% | 7,048 |
| Total domestic deposits to total assets | 84.9737% | 3,774 |
| Equity capital to assets | 14.0296% | 1,144 |
| Core capital (leverage) ratio | 13.8865% | 925 |
| Tier 1 risk-based capital ratio | 29.9798% | 538 |
| Total risk-based capital ratio | 30.6535% | 565 |
| Memoranda: | ||
| Average total assets | $28,688,250 | 7,077 |
| Average earning assets | $27,134,750 | 7,019 |
| Average equity | $3,935,750 | 6,820 |
| Average total loans | $9,268,750 | 7,208 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 3,966 |
| Cost of funding earning assets | 0.9626% | 4,236 |
| Net interest margin | 3.8652% | 3,465 |
| Noninterest income to average assets | 0.3075% | 5,435 |
| Noninterest expense to average assets | 2.0965% | 6,601 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5584% | 793 |
| Return on assets (ROA) | 1.5584% | 844 |
| Pretax return on assets | 1.8589% | 769 |
| Return on Equity (ROE) | 11.4467% | 1,657 |
| Retained earnings to average equity (ytd only) | 2.7205% | 4,555 |
| Net charge-offs to loans | 0.0438% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 267 |
| Efficiency ratio | 53.0035% | 6,712 |
| Assets per employee ($millions) | 4.8045% | 2,402 |
| Cash dividends to net income (ytd only)* | 76.2332% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 6,473 |
| Loan loss allowance to noncurrent loans | 1,285.7143% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 7,044 |
| Noncurrent loans to loans | 0.0749% | 6,792 |
| Net loans and leases to total assets | 32.1261% | 7,111 |
| Net loans and leases to deposits | 37.6770% | 7,128 |
| Net loans and leases to core deposits | 38.4593% | 7,153 |
| Total domestic deposits to total assets | 85.2673% | 3,743 |
| Equity capital to assets | 13.6955% | 1,210 |
| Core capital (leverage) ratio | 13.5292% | 986 |
| Tier 1 risk-based capital ratio | 29.9746% | 535 |
| Total risk-based capital ratio | 30.6679% | 552 |
| Memoranda: | ||
| Average total assets | $28,619,000 | 7,142 |
| Average earning assets | $27,010,330 | 7,091 |
| Average equity | $3,896,330 | 6,875 |
| Average total loans | $9,142,000 | 7,282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 3,708 |
| Cost of funding earning assets | 1.0045% | 4,172 |
| Net interest margin | 3.8702% | 3,298 |
| Noninterest income to average assets | 0.2244% | 6,122 |
| Noninterest expense to average assets | 2.0621% | 6,713 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6553% | 621 |
| Return on assets (ROA) | 1.6553% | 652 |
| Pretax return on assets | 1.8376% | 761 |
| Return on Equity (ROE) | 12.1948% | 1,409 |
| Retained earnings to average equity (ytd only) | 2.3770% | 4,724 |
| Net charge-offs to loans | 0.0885% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 461 |
| Efficiency ratio | 52.8777% | 6,790 |
| Assets per employee ($millions) | 4.8547% | 2,346 |
| Cash dividends to net income (ytd only)* | 80.5085% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 6,225 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 7,132 |
| Noncurrent loans to loans | 0.0699% | 6,863 |
| Net loans and leases to total assets | 29.1472% | 7,255 |
| Net loans and leases to deposits | 33.8760% | 7,275 |
| Net loans and leases to core deposits | 34.5656% | 7,297 |
| Total domestic deposits to total assets | 86.0409% | 3,505 |
| Equity capital to assets | 13.3137% | 1,257 |
| Core capital (leverage) ratio | 13.1793% | 1,069 |
| Tier 1 risk-based capital ratio | 31.1271% | 471 |
| Total risk-based capital ratio | 31.8526% | 485 |
| Memoranda: | ||
| Average total assets | $28,515,000 | 7,197 |
| Average earning assets | $27,079,000 | 7,132 |
| Average equity | $3,870,500 | 6,916 |
| Average total loans | $9,037,500 | 7,342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 3,776 |
| Cost of funding earning assets | 1.1100% | 5,085 |
| Net interest margin | 4.0554% | 2,774 |
| Noninterest income to average assets | 0.3679% | 5,161 |
| Noninterest expense to average assets | 2.2785% | 6,417 |
| Loan and lease loss provision to assets | 0.0375% | 6,788 |
| Net operating income to assets | 1.3401% | 1,080 |
| Return on assets (ROA) | 1.3401% | 1,151 |
| Pretax return on assets | 1.8919% | 627 |
| Return on Equity (ROE) | 9.2262% | 2,208 |
| Retained earnings to average equity (ytd only) | 3.0237% | 3,730 |
| Net charge-offs to loans | 0.0531% | 6,262 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 102.8000% | 242 |
| Efficiency ratio | 54.1481% | 6,793 |
| Assets per employee ($millions) | 4.6503% | 2,622 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 6,498 |
| Loan loss allowance to noncurrent loans | 4,600.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 7,242 |
| Noncurrent loans to loans | 0.0211% | 7,089 |
| Net loans and leases to total assets | 33.7001% | 7,239 |
| Net loans and leases to deposits | 44.5049% | 7,102 |
| Net loans and leases to core deposits | 45.5837% | 7,154 |
| Total domestic deposits to total assets | 75.7222% | 6,668 |
| Equity capital to assets | 13.8449% | 1,084 |
| Core capital (leverage) ratio | 13.9103% | 860 |
| Tier 1 risk-based capital ratio | 29.7681% | 519 |
| Total risk-based capital ratio | 30.4817% | 525 |
| Memoranda: | ||
| Average total assets | $26,640,200 | 7,300 |
| Average earning assets | $25,225,400 | 7,251 |
| Average equity | $3,869,400 | 7,038 |
| Average total loans | $9,423,800 | 7,417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 3,816 |
| Cost of funding earning assets | 1.1359% | 5,219 |
| Net interest margin | 4.0667% | 2,779 |
| Noninterest income to average assets | 0.3495% | 5,376 |
| Noninterest expense to average assets | 2.2387% | 6,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4435% | 1,033 |
| Return on assets (ROA) | 1.4435% | 1,107 |
| Pretax return on assets | 1.9550% | 691 |
| Return on Equity (ROE) | 9.8163% | 2,202 |
| Retained earnings to average equity (ytd only) | 4.1333% | 3,562 |
| Net charge-offs to loans | 0.0425% | 6,114 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 128.6625% | 246 |
| Efficiency ratio | 53.3816% | 6,848 |
| Assets per employee ($millions) | 4.5160% | 2,880 |
| Cash dividends to net income (ytd only)* | 57.8936% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,772 |
| Loan loss allowance to noncurrent loans | 365.2174% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 7,135 |
| Noncurrent loans to loans | 0.2440% | 6,683 |
| Net loans and leases to total assets | 34.4737% | 7,327 |
| Net loans and leases to deposits | 40.8332% | 7,346 |
| Net loans and leases to core deposits | 41.7456% | 7,385 |
| Total domestic deposits to total assets | 84.4257% | 3,905 |
| Equity capital to assets | 14.5999% | 993 |
| Core capital (leverage) ratio | 14.8381% | 746 |
| Tier 1 risk-based capital ratio | 30.2179% | 502 |
| Total risk-based capital ratio | 30.8788% | 520 |
| Memoranda: | ||
| Average total assets | $26,324,750 | 7,401 |
| Average earning assets | $24,884,250 | 7,350 |
| Average equity | $3,871,000 | 7,126 |
| Average total loans | $9,406,000 | 7,515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 3,800 |
| Cost of funding earning assets | 1.1667% | 5,307 |
| Net interest margin | 4.0634% | 2,730 |
| Noninterest income to average assets | 0.3453% | 5,386 |
| Noninterest expense to average assets | 2.2480% | 6,511 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4884% | 930 |
| Return on assets (ROA) | 1.4884% | 987 |
| Pretax return on assets | 1.9718% | 639 |
| Return on Equity (ROE) | 10.0971% | 2,076 |
| Retained earnings to average equity (ytd only) | 1.5094% | 5,117 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2727% | 6,955 |
| Assets per employee ($millions) | 4.3395% | 3,147 |
| Cash dividends to net income (ytd only)* | 85.0515% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,830 |
| Loan loss allowance to noncurrent loans | 414.2857% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 6,963 |
| Noncurrent loans to loans | 0.2117% | 6,830 |
| Net loans and leases to total assets | 37.7578% | 7,279 |
| Net loans and leases to deposits | 45.8985% | 7,253 |
| Net loans and leases to core deposits | 46.9956% | 7,319 |
| Total domestic deposits to total assets | 82.2637% | 4,883 |
| Equity capital to assets | 14.9057% | 903 |
| Core capital (leverage) ratio | 14.1809% | 883 |
| Tier 1 risk-based capital ratio | 29.3106% | 551 |
| Total risk-based capital ratio | 29.9906% | 571 |
| Memoranda: | ||
| Average total assets | $26,067,670 | 7,469 |
| Average earning assets | $24,856,000 | 7,407 |
| Average equity | $3,842,670 | 7,170 |
| Average total loans | $9,399,670 | 7,576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 3,159 |
| Cost of funding earning assets | 1.1590% | 5,612 |
| Net interest margin | 4.2176% | 1,968 |
| Noninterest income to average assets | 0.2760% | 5,945 |
| Noninterest expense to average assets | 2.3003% | 6,373 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6716% | 654 |
| Return on assets (ROA) | 1.6716% | 704 |
| Pretax return on assets | 1.9936% | 613 |
| Return on Equity (ROE) | 11.4032% | 1,669 |
| Retained earnings to average equity (ytd only) | 1.9877% | 4,941 |
| Net charge-offs to loans | 0.8315% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.8421% | 2,162 |
| Efficiency ratio | 53.5714% | 7,014 |
| Assets per employee ($millions) | 4.3680% | 3,179 |
| Cash dividends to net income (ytd only)* | 82.5688% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 7,208 |
| Loan loss allowance to noncurrent loans | 971.4286% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 7,192 |
| Noncurrent loans to loans | 0.0790% | 7,196 |
| Net loans and leases to total assets | 33.5623% | 7,508 |
| Net loans and leases to deposits | 39.8785% | 7,522 |
| Net loans and leases to core deposits | 40.8035% | 7,557 |
| Total domestic deposits to total assets | 84.1613% | 4,071 |
| Equity capital to assets | 14.7283% | 947 |
| Core capital (leverage) ratio | 14.2781% | 904 |
| Tier 1 risk-based capital ratio | 31.1329% | 469 |
| Total risk-based capital ratio | 31.6990% | 488 |
| Memoranda: | ||
| Average total assets | $26,083,000 | 7,564 |
| Average earning assets | $24,848,000 | 7,504 |
| Average equity | $3,823,500 | 7,246 |
| Average total loans | $9,140,500 | 7,682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5821% | 3,695 |
| Cost of funding earning assets | 1.4123% | 5,881 |
| Net interest margin | 4.1698% | 2,182 |
| Noninterest income to average assets | 0.4631% | 4,691 |
| Noninterest expense to average assets | 2.3906% | 6,494 |
| Loan and lease loss provision to assets | 0.0594% | 6,970 |
| Net operating income to assets | 1.4704% | 717 |
| Return on assets (ROA) | 1.5001% | 726 |
| Pretax return on assets | 1.9908% | 410 |
| Return on Equity (ROE) | 10.2167% | 1,635 |
| Retained earnings to average equity (ytd only) | 4.1514% | 2,310 |
| Net charge-offs to loans | 0.1637% | 5,644 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 33.8667% | 687 |
| Efficiency ratio | 54.3165% | 7,195 |
| Assets per employee ($millions) | 4.3263% | 3,230 |
| Cash dividends to net income (ytd only)* | 59.3668% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 6,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 7,273 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.9427% | 7,527 |
| Net loans and leases to deposits | 45.1161% | 7,476 |
| Net loans and leases to core deposits | 48.0012% | 7,629 |
| Total domestic deposits to total assets | 79.6672% | 5,790 |
| Equity capital to assets | 14.5890% | 1,002 |
| Core capital (leverage) ratio | 14.6889% | 840 |
| Tier 1 risk-based capital ratio | 29.9260% | 528 |
| Total risk-based capital ratio | 30.6257% | 545 |
| Memoranda: | ||
| Average total assets | $25,265,600 | 7,633 |
| Average earning assets | $23,862,200 | 7,588 |
| Average equity | $3,709,600 | 7,382 |
| Average total loans | $9,164,800 | 7,734 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6555% | 3,544 |
| Cost of funding earning assets | 1.4673% | 5,973 |
| Net interest margin | 4.1882% | 2,102 |
| Noninterest income to average assets | 0.4623% | 4,804 |
| Noninterest expense to average assets | 2.4230% | 6,341 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5282% | 765 |
| Return on assets (ROA) | 1.5569% | 778 |
| Pretax return on assets | 2.0351% | 511 |
| Return on Equity (ROE) | 10.5863% | 1,735 |
| Retained earnings to average equity (ytd only) | 4.9861% | 2,501 |
| Net charge-offs to loans | 0.1758% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 31.3325% | 906 |
| Efficiency ratio | 54.8077% | 7,142 |
| Assets per employee ($millions) | 4.2293% | 3,319 |
| Cash dividends to net income (ytd only)* | 52.9002% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 7,165 |
| Loan loss allowance to noncurrent loans | 214.2857% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 7,202 |
| Noncurrent loans to loans | 0.3666% | 6,616 |
| Net loans and leases to total assets | 37.3305% | 7,572 |
| Net loans and leases to deposits | 44.4972% | 7,607 |
| Net loans and leases to core deposits | 47.8700% | 7,733 |
| Total domestic deposits to total assets | 83.8942% | 3,769 |
| Equity capital to assets | 15.0024% | 1,003 |
| Core capital (leverage) ratio | 14.5791% | 940 |
| Tier 1 risk-based capital ratio | 29.8871% | 572 |
| Total risk-based capital ratio | 30.4919% | 601 |
| Memoranda: | ||
| Average total assets | $25,092,500 | 7,710 |
| Average earning assets | $23,716,750 | 7,664 |
| Average equity | $3,690,250 | 7,450 |
| Average total loans | $9,101,750 | 7,814 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6367% | 3,879 |
| Cost of funding earning assets | 1.5450% | 5,947 |
| Net interest margin | 4.0917% | 2,347 |
| Noninterest income to average assets | 0.5360% | 4,140 |
| Noninterest expense to average assets | 2.3682% | 6,563 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6039% | 675 |
| Return on assets (ROA) | 1.6481% | 685 |
| Pretax return on assets | 2.0802% | 458 |
| Return on Equity (ROE) | 11.2836% | 1,617 |
| Retained earnings to average equity (ytd only) | 2.7935% | 3,769 |
| Net charge-offs to loans | 0.2681% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 21.0833% | 1,281 |
| Efficiency ratio | 53.9162% | 7,343 |
| Assets per employee ($millions) | 4.1817% | 3,324 |
| Cash dividends to net income (ytd only)* | 75.2427% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 7,027 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 7,342 |
| Noncurrent loans to loans | 0.2680% | 6,857 |
| Net loans and leases to total assets | 35.3886% | 7,728 |
| Net loans and leases to deposits | 42.3253% | 7,746 |
| Net loans and leases to core deposits | 45.2019% | 7,856 |
| Total domestic deposits to total assets | 83.6110% | 3,958 |
| Equity capital to assets | 14.4360% | 1,184 |
| Core capital (leverage) ratio | 14.1610% | 1,103 |
| Tier 1 risk-based capital ratio | 30.6040% | 565 |
| Total risk-based capital ratio | 31.2384% | 588 |
| Memoranda: | ||
| Average total assets | $24,998,000 | 7,786 |
| Average earning assets | $23,560,000 | 7,742 |
| Average equity | $3,651,330 | 7,521 |
| Average total loans | $8,953,000 | 7,905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8824% | 2,883 |
| Cost of funding earning assets | 1.6340% | 5,889 |
| Net interest margin | 4.2484% | 1,754 |
| Noninterest income to average assets | 0.2725% | 6,249 |
| Noninterest expense to average assets | 2.3245% | 6,450 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6351% | 744 |
| Return on assets (ROA) | 1.6351% | 814 |
| Pretax return on assets | 1.9077% | 783 |
| Return on Equity (ROE) | 11.1293% | 1,930 |
| Retained earnings to average equity (ytd only) | 1.8549% | 4,827 |
| Net charge-offs to loans | 0.7149% | 1,755 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.4375% | 2,348 |
| Efficiency ratio | 54.9242% | 7,112 |
| Assets per employee ($millions) | 4.3925% | 2,906 |
| Cash dividends to net income (ytd only)* | 83.3333% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 7,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 7,431 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 32.4227% | 7,856 |
| Net loans and leases to deposits | 37.9744% | 7,902 |
| Net loans and leases to core deposits | 40.3637% | 7,973 |
| Total domestic deposits to total assets | 85.3804% | 3,021 |
| Equity capital to assets | 13.7431% | 1,447 |
| Core capital (leverage) ratio | 14.2059% | 1,148 |
| Tier 1 risk-based capital ratio | 30.3420% | 605 |
| Total risk-based capital ratio | 30.9431% | 620 |
| Memoranda: | ||
| Average total assets | $24,952,000 | 7,834 |
| Average earning assets | $23,256,000 | 7,797 |
| Average equity | $3,666,000 | 7,567 |
| Average total loans | $8,952,500 | 7,954 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2972% | 3,973 |
| Cost of funding earning assets | 2.0441% | 6,266 |
| Net interest margin | 4.2531% | 2,112 |
| Noninterest income to average assets | 0.4166% | 5,330 |
| Noninterest expense to average assets | 2.5731% | 5,742 |
| Loan and lease loss provision to assets | 0.0651% | 6,576 |
| Net operating income to assets | 1.3484% | 1,348 |
| Return on assets (ROA) | 1.4232% | 1,139 |
| Pretax return on assets | 1.9049% | 757 |
| Return on Equity (ROE) | 9.1954% | 2,570 |
| Retained earnings to average equity (ytd only) | 2.8876% | 3,382 |
| Net charge-offs to loans | 0.1074% | 5,215 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 43.1000% | 855 |
| Efficiency ratio | 57.9102% | 6,714 |
| Assets per employee ($millions) | 3.9248% | 3,666 |
| Cash dividends to net income (ytd only)* | 68.5976% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,467 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 7,637 |
| Noncurrent loans to loans | 0.0108% | 7,506 |
| Net loans and leases to total assets | 39.0760% | 7,713 |
| Net loans and leases to deposits | 48.2513% | 7,701 |
| Net loans and leases to core deposits | 52.2841% | 7,837 |
| Total domestic deposits to total assets | 80.9843% | 4,644 |
| Equity capital to assets | 15.7544% | 985 |
| Core capital (leverage) ratio | 15.6187% | 897 |
| Tier 1 risk-based capital ratio | 30.5551% | 611 |
| Total risk-based capital ratio | 31.3003% | 619 |
| Memoranda: | ||
| Average total assets | $23,046,400 | 7,910 |
| Average earning assets | $21,819,200 | 7,866 |
| Average equity | $3,567,000 | 7,656 |
| Average total loans | $9,308,800 | 7,971 |