Home > Peoples Bank of Macon > Performance and Condition Ratios
Peoples Bank of Macon, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 4,474 |
| Cost of funding earning assets | 0.4594% | 4,240 |
| Net interest margin | 2.7721% | 3,714 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.8418% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7615% | 3,006 |
| Return on assets (ROA) | 0.7615% | 2,983 |
| Pretax return on assets | 0.9115% | 2,931 |
| Return on Equity (ROE) | 6.8100% | 3,323 |
| Retained earnings to average equity (ytd only) | 1.9793% | 3,580 |
| Net charge-offs to loans | 0.1613% | 650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 24.3000% | 1,765 |
| Efficiency ratio | 66.8937% | 2,243 |
| Assets per employee ($millions) | 6.8370% | 2,181 |
| Cash dividends to net income (ytd only)* | 70.9360% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,288 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 24.1800% | 4,377 |
| Net loans and leases to deposits | 28.0890% | 4,374 |
| Net loans and leases to core deposits | 29.8650% | 4,399 |
| Total domestic deposits to total assets | 86.0900% | 1,985 |
| Equity capital to assets | 10.8637% | 1,548 |
| Core capital (leverage) ratio | 10.6416% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,659,000 | 4,484 |
| Average earning assets | $25,684,800 | 4,444 |
| Average equity | $2,980,800 | 4,431 |
| Average total loans | $6,200,200 | 4,449 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0696% | 4,515 |
| Cost of funding earning assets | 0.3941% | 4,265 |
| Net interest margin | 2.6755% | 3,912 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.8374% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7047% | 3,318 |
| Return on assets (ROA) | 0.7047% | 3,295 |
| Pretax return on assets | 0.8457% | 3,226 |
| Return on Equity (ROE) | 6.2600% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.2570% | 2,550 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.4803% | 1,966 |
| Assets per employee ($millions) | 6.7778% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,085 |
| Loan loss allowance to noncurrent loans | 770.0000% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,434 |
| Noncurrent loans to loans | 0.1628% | 2,731 |
| Net loans and leases to total assets | 22.3700% | 4,415 |
| Net loans and leases to deposits | 25.9811% | 4,416 |
| Net loans and leases to core deposits | 27.6390% | 4,405 |
| Total domestic deposits to total assets | 86.0900% | 2,158 |
| Equity capital to assets | 11.2611% | 1,251 |
| Core capital (leverage) ratio | 11.2577% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $26,486,750 | 4,512 |
| Average earning assets | $25,714,250 | 4,468 |
| Average equity | $2,983,250 | 4,446 |
| Average total loans | $6,080,250 | 4,475 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 4,556 |
| Cost of funding earning assets | 0.3138% | 4,295 |
| Net interest margin | 2.6436% | 4,050 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.8266% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7002% | 3,344 |
| Return on assets (ROA) | 0.7002% | 3,350 |
| Pretax return on assets | 0.8372% | 3,310 |
| Return on Equity (ROE) | 6.2200% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.2162% | 2,540 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.5714% | 1,913 |
| Assets per employee ($millions) | 6.5753% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 1,917 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 22.1600% | 4,437 |
| Net loans and leases to deposits | 25.7863% | 4,439 |
| Net loans and leases to core deposits | 27.4888% | 4,430 |
| Total domestic deposits to total assets | 85.9500% | 2,244 |
| Equity capital to assets | 11.4216% | 1,222 |
| Core capital (leverage) ratio | 11.4050% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $26,278,667 | 4,541 |
| Average earning assets | $25,496,000 | 4,499 |
| Average equity | $2,960,000 | 4,478 |
| Average total loans | $6,060,000 | 4,507 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8877% | 4,583 |
| Cost of funding earning assets | 0.2040% | 4,372 |
| Net interest margin | 2.6837% | 4,093 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.8274% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7766% | 3,270 |
| Return on assets (ROA) | 0.7766% | 3,225 |
| Pretax return on assets | 0.9137% | 3,198 |
| Return on Equity (ROE) | 6.9400% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.9435% | 2,509 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6667% | 2,131 |
| Assets per employee ($millions) | 6.4873% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 1,913 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 22.0700% | 4,495 |
| Net loans and leases to deposits | 25.6723% | 4,500 |
| Net loans and leases to core deposits | 28.3396% | 4,480 |
| Total domestic deposits to total assets | 85.9800% | 2,597 |
| Equity capital to assets | 11.4186% | 1,184 |
| Core capital (leverage) ratio | 10.8703% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $26,267,500 | 4,600 |
| Average earning assets | $25,487,500 | 4,561 |
| Average equity | $2,938,000 | 4,544 |
| Average total loans | $6,137,000 | 4,573 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2434% | 4,572 |
| Cost of funding earning assets | 0.1105% | 4,337 |
| Net interest margin | 2.1330% | 4,502 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.7141% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3953% | 4,247 |
| Return on assets (ROA) | 0.3953% | 4,212 |
| Pretax return on assets | 0.4433% | 4,235 |
| Return on Equity (ROE) | 3.6800% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.2049% | 4,158 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.4521% | 760 |
| Assets per employee ($millions) | 6.6465% | 2,221 |
| Cash dividends to net income (ytd only)* | 67.2897% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,438 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 24.0400% | 4,508 |
| Net loans and leases to deposits | 27.8446% | 4,505 |
| Net loans and leases to core deposits | 30.6483% | 4,476 |
| Total domestic deposits to total assets | 86.3500% | 2,621 |
| Equity capital to assets | 10.9569% | 1,275 |
| Core capital (leverage) ratio | 10.4946% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $27,070,000 | 4,625 |
| Average earning assets | $26,254,600 | 4,587 |
| Average equity | $2,904,800 | 4,619 |
| Average total loans | $7,008,400 | 4,599 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0980% | 4,586 |
| Cost of funding earning assets | 0.1011% | 4,276 |
| Net interest margin | 1.9968% | 4,550 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.6966% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3187% | 4,363 |
| Return on assets (ROA) | 0.3187% | 4,314 |
| Pretax return on assets | 0.3334% | 4,347 |
| Return on Equity (ROE) | 2.9900% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.9856% | 3,774 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.5749% | 572 |
| Assets per employee ($millions) | 7.1808% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 2,957 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 23.8300% | 4,549 |
| Net loans and leases to deposits | 27.2503% | 4,548 |
| Net loans and leases to core deposits | 29.3537% | 4,516 |
| Total domestic deposits to total assets | 87.4500% | 2,612 |
| Equity capital to assets | 10.2427% | 1,494 |
| Core capital (leverage) ratio | 10.5785% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $27,191,000 | 4,660 |
| Average earning assets | $26,374,250 | 4,622 |
| Average equity | $2,902,750 | 4,660 |
| Average total loans | $7,143,250 | 4,634 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9898% | 4,623 |
| Cost of funding earning assets | 0.1007% | 4,184 |
| Net interest margin | 1.8892% | 4,603 |
| Noninterest income to average assets | 0.1049% | 4,464 |
| Noninterest expense to average assets | 1.7241% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2024% | 4,417 |
| Return on assets (ROA) | 0.2024% | 4,377 |
| Pretax return on assets | 0.2099% | 4,401 |
| Return on Equity (ROE) | 1.8687% | 4,366 |
| Retained earnings to average equity (ytd only) | 1.8687% | 3,788 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1473% | 449 |
| Assets per employee ($millions) | 6.8418% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 25.3992% | 4,571 |
| Net loans and leases to deposits | 29.1899% | 4,566 |
| Net loans and leases to core deposits | 31.5768% | 4,539 |
| Total domestic deposits to total assets | 87.0136% | 2,937 |
| Equity capital to assets | 10.6150% | 1,387 |
| Core capital (leverage) ratio | 10.5514% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,680,333 | 4,701 |
| Average earning assets | $25,831,667 | 4,674 |
| Average equity | $2,889,667 | 4,697 |
| Average total loans | $7,217,000 | 4,698 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9295% | 4,633 |
| Cost of funding earning assets | 0.1255% | 3,830 |
| Net interest margin | 1.8040% | 4,618 |
| Noninterest income to average assets | 0.1367% | 4,334 |
| Noninterest expense to average assets | 1.7314% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1367% | 4,423 |
| Return on assets (ROA) | 0.1367% | 4,392 |
| Pretax return on assets | 0.1519% | 4,385 |
| Return on Equity (ROE) | 1.2491% | 4,383 |
| Retained earnings to average equity (ytd only) | 1.2491% | 3,764 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9355% | 465 |
| Assets per employee ($millions) | 6.6585% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.6402% | 4,577 |
| Net loans and leases to deposits | 29.5679% | 4,561 |
| Net loans and leases to core deposits | 32.0671% | 4,530 |
| Total domestic deposits to total assets | 86.7162% | 3,031 |
| Equity capital to assets | 10.8395% | 1,416 |
| Core capital (leverage) ratio | 10.5089% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,337,000 | 4,732 |
| Average earning assets | $25,498,500 | 4,701 |
| Average equity | $2,882,000 | 4,721 |
| Average total loans | $7,311,500 | 4,722 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0192% | 4,680 |
| Cost of funding earning assets | 0.1388% | 4,078 |
| Net interest margin | 1.8803% | 4,641 |
| Noninterest income to average assets | 0.0892% | 4,643 |
| Noninterest expense to average assets | 1.7317% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1582% | 4,570 |
| Return on assets (ROA) | 0.1582% | 4,585 |
| Pretax return on assets | 0.1703% | 4,591 |
| Return on Equity (ROE) | 1.3516% | 4,570 |
| Retained earnings to average equity (ytd only) | 0.1040% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0448% | 292 |
| Assets per employee ($millions) | 6.5100% | 2,327 |
| Cash dividends to net income (ytd only)* | 92.3077% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 29.3395% | 4,531 |
| Net loans and leases to deposits | 33.9797% | 4,529 |
| Net loans and leases to core deposits | 36.9368% | 4,496 |
| Total domestic deposits to total assets | 86.3441% | 2,782 |
| Equity capital to assets | 11.0484% | 1,763 |
| Core capital (leverage) ratio | 11.0044% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,658,000 | 4,778 |
| Average earning assets | $23,772,200 | 4,755 |
| Average equity | $2,885,400 | 4,769 |
| Average total loans | $7,391,600 | 4,766 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0453% | 4,753 |
| Cost of funding earning assets | 0.1481% | 4,125 |
| Net interest margin | 1.8972% | 4,718 |
| Noninterest income to average assets | 0.0987% | 4,674 |
| Noninterest expense to average assets | 1.7549% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1536% | 4,661 |
| Return on assets (ROA) | 0.1536% | 4,681 |
| Pretax return on assets | 0.1700% | 4,682 |
| Return on Equity (ROE) | 1.2929% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.2929% | 4,353 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1681% | 293 |
| Assets per employee ($millions) | 6.4175% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 28.3171% | 4,636 |
| Net loans and leases to deposits | 32.8795% | 4,654 |
| Net loans and leases to core deposits | 35.7938% | 4,613 |
| Total domestic deposits to total assets | 86.1239% | 2,699 |
| Equity capital to assets | 11.3050% | 1,808 |
| Core capital (leverage) ratio | 11.3377% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,312,500 | 4,854 |
| Average earning assets | $23,402,500 | 4,830 |
| Average equity | $2,887,500 | 4,841 |
| Average total loans | $7,310,250 | 4,836 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0404% | 4,797 |
| Cost of funding earning assets | 0.1482% | 4,218 |
| Net interest margin | 1.8922% | 4,755 |
| Noninterest income to average assets | 0.1090% | 4,655 |
| Noninterest expense to average assets | 1.7687% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1341% | 4,678 |
| Return on assets (ROA) | 0.1341% | 4,700 |
| Pretax return on assets | 0.1593% | 4,695 |
| Return on Equity (ROE) | 1.1101% | 4,689 |
| Retained earnings to average equity (ytd only) | 1.1101% | 4,318 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7391% | 302 |
| Assets per employee ($millions) | 6.0435% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 3,573 |
| Loan loss allowance to noncurrent loans | 240.6250% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 3,358 |
| Noncurrent loans to loans | 0.4419% | 2,344 |
| Net loans and leases to total assets | 29.6393% | 4,659 |
| Net loans and leases to deposits | 34.7310% | 4,663 |
| Net loans and leases to core deposits | 36.3153% | 4,662 |
| Total domestic deposits to total assets | 85.3396% | 2,968 |
| Equity capital to assets | 11.9550% | 1,384 |
| Core capital (leverage) ratio | 11.9116% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,860,000 | 4,892 |
| Average earning assets | $22,936,333 | 4,870 |
| Average equity | $2,882,667 | 4,873 |
| Average total loans | $7,298,333 | 4,875 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0440% | 4,828 |
| Cost of funding earning assets | 0.1572% | 4,255 |
| Net interest margin | 1.8868% | 4,776 |
| Noninterest income to average assets | 0.1350% | 4,529 |
| Noninterest expense to average assets | 1.7719% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1688% | 4,660 |
| Return on assets (ROA) | 0.1688% | 4,681 |
| Pretax return on assets | 0.1856% | 4,682 |
| Return on Equity (ROE) | 1.3894% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.3894% | 4,147 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5172% | 359 |
| Assets per employee ($millions) | 6.0663% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 29.8042% | 4,699 |
| Net loans and leases to deposits | 34.8917% | 4,708 |
| Net loans and leases to core deposits | 36.4755% | 4,709 |
| Total domestic deposits to total assets | 85.4193% | 2,957 |
| Equity capital to assets | 11.8854% | 1,342 |
| Core capital (leverage) ratio | 11.9302% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,703,000 | 4,916 |
| Average earning assets | $22,896,500 | 4,892 |
| Average equity | $2,879,000 | 4,897 |
| Average total loans | $7,326,500 | 4,899 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5902% | 4,827 |
| Cost of funding earning assets | 0.2238% | 4,492 |
| Net interest margin | 2.3664% | 4,679 |
| Noninterest income to average assets | 0.0961% | 4,754 |
| Noninterest expense to average assets | 1.9318% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3754% | 4,293 |
| Return on assets (ROA) | 0.3754% | 4,375 |
| Pretax return on assets | 0.4395% | 4,363 |
| Return on Equity (ROE) | 2.8251% | 4,421 |
| Retained earnings to average equity (ytd only) | 0.1378% | 4,483 |
| Net charge-offs to loans | 0.0394% | 2,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,553 |
| Efficiency ratio | 81.4672% | 782 |
| Assets per employee ($millions) | 5.7853% | 2,554 |
| Cash dividends to net income (ytd only)* | 95.1220% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 31.4031% | 4,721 |
| Net loans and leases to deposits | 37.1790% | 4,715 |
| Net loans and leases to core deposits | 40.0474% | 4,694 |
| Total domestic deposits to total assets | 84.4648% | 2,955 |
| Equity capital to assets | 12.4195% | 1,360 |
| Core capital (leverage) ratio | 12.2580% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,845,000 | 4,941 |
| Average earning assets | $21,002,000 | 4,919 |
| Average equity | $2,902,600 | 4,916 |
| Average total loans | $7,616,600 | 4,924 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6779% | 4,866 |
| Cost of funding earning assets | 0.2258% | 4,587 |
| Net interest margin | 2.4520% | 4,687 |
| Noninterest income to average assets | 0.1053% | 4,740 |
| Noninterest expense to average assets | 1.9639% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4213% | 4,216 |
| Return on assets (ROA) | 0.4213% | 4,284 |
| Pretax return on assets | 0.4956% | 4,288 |
| Return on Equity (ROE) | 3.1159% | 4,368 |
| Retained earnings to average equity (ytd only) | 3.1159% | 3,468 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8489% | 878 |
| Assets per employee ($millions) | 5.6530% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 33.2921% | 4,759 |
| Net loans and leases to deposits | 39.5919% | 4,759 |
| Net loans and leases to core deposits | 42.7387% | 4,734 |
| Total domestic deposits to total assets | 84.0881% | 2,786 |
| Equity capital to assets | 12.9931% | 1,185 |
| Core capital (leverage) ratio | 12.8882% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,521,000 | 4,972 |
| Average earning assets | $20,662,500 | 4,952 |
| Average equity | $2,909,750 | 4,941 |
| Average total loans | $7,684,750 | 4,956 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8080% | 4,905 |
| Cost of funding earning assets | 0.2463% | 4,633 |
| Net interest margin | 2.5617% | 4,690 |
| Noninterest income to average assets | 0.1229% | 4,688 |
| Noninterest expense to average assets | 1.9851% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5105% | 3,988 |
| Return on assets (ROA) | 0.5105% | 4,068 |
| Pretax return on assets | 0.5955% | 4,073 |
| Return on Equity (ROE) | 3.7237% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.7237% | 3,053 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9231% | 1,164 |
| Assets per employee ($millions) | 5.5620% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 33.9851% | 4,781 |
| Net loans and leases to deposits | 40.5046% | 4,785 |
| Net loans and leases to core deposits | 42.5564% | 4,787 |
| Total domestic deposits to total assets | 83.9042% | 2,780 |
| Equity capital to assets | 13.1472% | 1,100 |
| Core capital (leverage) ratio | 13.6078% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,157,333 | 5,004 |
| Average earning assets | $20,299,333 | 4,983 |
| Average equity | $2,900,333 | 4,972 |
| Average total loans | $7,710,333 | 4,988 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0302% | 4,943 |
| Cost of funding earning assets | 0.2626% | 4,743 |
| Net interest margin | 2.7676% | 4,600 |
| Noninterest income to average assets | 0.1941% | 4,385 |
| Noninterest expense to average assets | 2.0571% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6598% | 3,409 |
| Return on assets (ROA) | 0.6598% | 3,471 |
| Pretax return on assets | 0.7957% | 3,426 |
| Return on Equity (ROE) | 4.7091% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.7091% | 2,411 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1088% | 2,063 |
| Assets per employee ($millions) | 5.3078% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 35.4717% | 4,796 |
| Net loans and leases to deposits | 42.6227% | 4,788 |
| Net loans and leases to core deposits | 44.9103% | 4,796 |
| Total domestic deposits to total assets | 83.2226% | 3,037 |
| Equity capital to assets | 13.6828% | 1,152 |
| Core capital (leverage) ratio | 13.4672% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,612,000 | 5,053 |
| Average earning assets | $19,800,500 | 5,034 |
| Average equity | $2,888,000 | 5,018 |
| Average total loans | $7,745,000 | 5,031 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1408% | 5,017 |
| Cost of funding earning assets | 0.2490% | 4,854 |
| Net interest margin | 2.8917% | 4,666 |
| Noninterest income to average assets | 0.1214% | 4,855 |
| Noninterest expense to average assets | 2.0979% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6556% | 4,002 |
| Return on assets (ROA) | 0.6556% | 4,073 |
| Pretax return on assets | 0.7867% | 3,999 |
| Return on Equity (ROE) | 4.6735% | 4,303 |
| Retained earnings to average equity (ytd only) | 0.9347% | 4,403 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 1,770 |
| Assets per employee ($millions) | 4.9983% | 2,600 |
| Cash dividends to net income (ytd only)* | 80.0000% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.0087% | 4,772 |
| Net loans and leases to deposits | 47.6217% | 4,751 |
| Net loans and leases to core deposits | 50.3909% | 4,750 |
| Total domestic deposits to total assets | 81.9137% | 3,528 |
| Equity capital to assets | 14.3600% | 981 |
| Core capital (leverage) ratio | 13.5655% | 1,034 |
| Tier 1 risk-based capital ratio | 30.3360% | 463 |
| Total risk-based capital ratio | 31.1813% | 470 |
| Memoranda: | ||
| Average total assets | $20,592,200 | 5,111 |
| Average earning assets | $19,676,800 | 5,090 |
| Average equity | $2,888,600 | 5,077 |
| Average total loans | $7,958,800 | 5,091 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1311% | 5,114 |
| Cost of funding earning assets | 0.2424% | 4,937 |
| Net interest margin | 2.8887% | 4,771 |
| Noninterest income to average assets | 0.1221% | 4,912 |
| Noninterest expense to average assets | 2.0891% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6364% | 4,196 |
| Return on assets (ROA) | 0.6364% | 4,245 |
| Pretax return on assets | 0.7907% | 4,137 |
| Return on Equity (ROE) | 4.5627% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.5627% | 3,119 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5446% | 1,756 |
| Assets per employee ($millions) | 5.1743% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 37.6383% | 4,876 |
| Net loans and leases to deposits | 45.5769% | 4,879 |
| Net loans and leases to core deposits | 48.3491% | 4,871 |
| Total domestic deposits to total assets | 82.5820% | 3,288 |
| Equity capital to assets | 14.2146% | 1,073 |
| Core capital (leverage) ratio | 14.0002% | 981 |
| Tier 1 risk-based capital ratio | 30.7098% | 460 |
| Total risk-based capital ratio | 31.5449% | 467 |
| Memoranda: | ||
| Average total assets | $20,742,000 | 5,190 |
| Average earning assets | $19,800,750 | 5,168 |
| Average equity | $2,893,000 | 5,153 |
| Average total loans | $7,978,750 | 5,168 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0903% | 5,189 |
| Cost of funding earning assets | 0.2408% | 4,979 |
| Net interest margin | 2.8495% | 4,871 |
| Noninterest income to average assets | 0.1349% | 4,896 |
| Noninterest expense to average assets | 2.1005% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6167% | 4,262 |
| Return on assets (ROA) | 0.6167% | 4,302 |
| Pretax return on assets | 0.7708% | 4,162 |
| Return on Equity (ROE) | 4.4496% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.4496% | 3,041 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1544% | 1,755 |
| Assets per employee ($millions) | 5.1310% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,471 |
| Loan loss allowance to noncurrent loans | 2,666.6667% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,721 |
| Noncurrent loans to loans | 0.0385% | 4,518 |
| Net loans and leases to total assets | 37.5853% | 4,926 |
| Net loans and leases to deposits | 45.4567% | 4,918 |
| Net loans and leases to core deposits | 48.2427% | 4,907 |
| Total domestic deposits to total assets | 82.6837% | 3,311 |
| Equity capital to assets | 14.1639% | 1,064 |
| Core capital (leverage) ratio | 14.0117% | 957 |
| Tier 1 risk-based capital ratio | 30.8141% | 458 |
| Total risk-based capital ratio | 31.6621% | 461 |
| Memoranda: | ||
| Average total assets | $20,757,000 | 5,235 |
| Average earning assets | $19,933,330 | 5,214 |
| Average equity | $2,876,670 | 5,197 |
| Average total loans | $8,015,000 | 5,218 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0656% | 5,254 |
| Cost of funding earning assets | 0.2190% | 5,072 |
| Net interest margin | 2.8466% | 4,941 |
| Noninterest income to average assets | 0.1725% | 4,703 |
| Noninterest expense to average assets | 2.0313% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7090% | 3,904 |
| Return on assets (ROA) | 0.7090% | 3,949 |
| Pretax return on assets | 0.8815% | 3,824 |
| Return on Equity (ROE) | 5.1721% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.1721% | 2,829 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7368% | 2,389 |
| Assets per employee ($millions) | 5.3825% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 36.4608% | 5,003 |
| Net loans and leases to deposits | 43.6160% | 4,997 |
| Net loans and leases to core deposits | 46.1819% | 4,987 |
| Total domestic deposits to total assets | 83.5950% | 3,186 |
| Equity capital to assets | 13.3767% | 1,255 |
| Core capital (leverage) ratio | 13.8242% | 995 |
| Tier 1 risk-based capital ratio | 30.5473% | 459 |
| Total risk-based capital ratio | 31.3958% | 460 |
| Memoranda: | ||
| Average total assets | $20,873,500 | 5,289 |
| Average earning assets | $20,094,000 | 5,267 |
| Average equity | $2,861,500 | 5,251 |
| Average total loans | $8,125,500 | 5,277 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0168% | 5,227 |
| Cost of funding earning assets | 0.2108% | 4,962 |
| Net interest margin | 2.8060% | 5,018 |
| Noninterest income to average assets | 0.1441% | 4,992 |
| Noninterest expense to average assets | 1.9890% | 4,777 |
| Loan and lease loss provision to assets | 0.0384% | 3,432 |
| Net operating income to assets | 0.6438% | 4,303 |
| Return on assets (ROA) | 0.6438% | 4,309 |
| Pretax return on assets | 0.8023% | 4,162 |
| Return on Equity (ROE) | 4.6811% | 4,533 |
| Retained earnings to average equity (ytd only) | 0.9083% | 4,735 |
| Net charge-offs to loans | 0.0496% | 2,447 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 1,232 |
| Efficiency ratio | 70.2886% | 2,134 |
| Assets per employee ($millions) | 5.0543% | 2,429 |
| Cash dividends to net income (ytd only)* | 80.5970% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 40.7627% | 4,918 |
| Net loans and leases to deposits | 49.5342% | 4,898 |
| Net loans and leases to core deposits | 52.7019% | 4,881 |
| Total domestic deposits to total assets | 82.2921% | 3,557 |
| Equity capital to assets | 14.0624% | 951 |
| Core capital (leverage) ratio | 13.8690% | 961 |
| Tier 1 risk-based capital ratio | 29.4978% | 487 |
| Total risk-based capital ratio | 30.3279% | 499 |
| Memoranda: | ||
| Average total assets | $20,814,600 | 5,334 |
| Average earning assets | $19,921,800 | 5,314 |
| Average equity | $2,862,600 | 5,291 |
| Average total loans | $8,069,800 | 5,324 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9787% | 5,296 |
| Cost of funding earning assets | 0.2128% | 4,976 |
| Net interest margin | 2.7660% | 5,116 |
| Noninterest income to average assets | 0.1526% | 5,014 |
| Noninterest expense to average assets | 1.9716% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6551% | 4,350 |
| Return on assets (ROA) | 0.6551% | 4,368 |
| Pretax return on assets | 0.8268% | 4,229 |
| Return on Equity (ROE) | 4.7892% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.7892% | 3,353 |
| Net charge-offs to loans | 0.2664% | 626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.1261% | 2,744 |
| Efficiency ratio | 70.4545% | 2,129 |
| Assets per employee ($millions) | 5.1255% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 4,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 40.9911% | 4,997 |
| Net loans and leases to deposits | 49.6514% | 4,961 |
| Net loans and leases to core deposits | 52.7691% | 4,944 |
| Total domestic deposits to total assets | 82.5578% | 3,448 |
| Equity capital to assets | 14.2376% | 891 |
| Core capital (leverage) ratio | 14.1165% | 904 |
| Tier 1 risk-based capital ratio | 29.4610% | 505 |
| Total risk-based capital ratio | 30.0666% | 518 |
| Memoranda: | ||
| Average total assets | $20,964,000 | 5,400 |
| Average earning assets | $20,052,750 | 5,382 |
| Average equity | $2,867,500 | 5,359 |
| Average total loans | $8,007,000 | 5,393 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9181% | 5,363 |
| Cost of funding earning assets | 0.2275% | 4,872 |
| Net interest margin | 2.6906% | 5,226 |
| Noninterest income to average assets | 0.1705% | 4,974 |
| Noninterest expense to average assets | 1.9699% | 4,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6251% | 4,424 |
| Return on assets (ROA) | 0.6251% | 4,427 |
| Pretax return on assets | 0.7766% | 4,313 |
| Return on Equity (ROE) | 4.6310% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.6310% | 3,270 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7241% | 2,048 |
| Assets per employee ($millions) | 5.4068% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,228 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 4,641 |
| Noncurrent loans to loans | 0.1944% | 4,028 |
| Net loans and leases to total assets | 37.6982% | 5,135 |
| Net loans and leases to deposits | 45.0442% | 5,120 |
| Net loans and leases to core deposits | 47.6784% | 5,110 |
| Total domestic deposits to total assets | 83.6917% | 3,179 |
| Equity capital to assets | 13.3306% | 1,169 |
| Core capital (leverage) ratio | 13.7443% | 978 |
| Tier 1 risk-based capital ratio | 29.6483% | 488 |
| Total risk-based capital ratio | 30.4299% | 505 |
| Memoranda: | ||
| Average total assets | $21,118,000 | 5,465 |
| Average earning assets | $20,218,330 | 5,448 |
| Average equity | $2,850,330 | 5,424 |
| Average total loans | $7,854,670 | 5,460 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9155% | 5,409 |
| Cost of funding earning assets | 0.2212% | 4,886 |
| Net interest margin | 2.6943% | 5,261 |
| Noninterest income to average assets | 0.2301% | 4,627 |
| Noninterest expense to average assets | 1.9747% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6519% | 4,271 |
| Return on assets (ROA) | 0.6519% | 4,278 |
| Pretax return on assets | 0.8244% | 4,094 |
| Return on Equity (ROE) | 4.7989% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.7989% | 3,260 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5479% | 2,410 |
| Assets per employee ($millions) | 5.2465% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 3,884 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,708 |
| Noncurrent loans to loans | 0.2129% | 4,020 |
| Net loans and leases to total assets | 35.4570% | 5,223 |
| Net loans and leases to deposits | 42.5492% | 5,199 |
| Net loans and leases to core deposits | 46.2519% | 5,152 |
| Total domestic deposits to total assets | 83.3317% | 3,569 |
| Equity capital to assets | 13.5852% | 1,021 |
| Core capital (leverage) ratio | 13.3343% | 1,057 |
| Tier 1 risk-based capital ratio | 31.7589% | 414 |
| Total risk-based capital ratio | 32.6055% | 418 |
| Memoranda: | ||
| Average total assets | $20,863,500 | 5,530 |
| Average earning assets | $19,894,000 | 5,509 |
| Average equity | $2,834,000 | 5,482 |
| Average total loans | $7,667,500 | 5,524 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8064% | 5,459 |
| Cost of funding earning assets | 0.1645% | 5,184 |
| Net interest margin | 2.6419% | 5,321 |
| Noninterest income to average assets | 0.1710% | 5,102 |
| Noninterest expense to average assets | 2.1703% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4084% | 4,659 |
| Return on assets (ROA) | 0.4084% | 4,683 |
| Pretax return on assets | 0.5176% | 4,904 |
| Return on Equity (ROE) | 3.0329% | 4,820 |
| Retained earnings to average equity (ytd only) | 0.2821% | 4,913 |
| Net charge-offs to loans | 0.0396% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 1,346 |
| Efficiency ratio | 80.7420% | 1,037 |
| Assets per employee ($millions) | 5.1853% | 2,266 |
| Cash dividends to net income (ytd only)* | 90.6977% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 4,095 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,735 |
| Noncurrent loans to loans | 0.2047% | 4,095 |
| Net loans and leases to total assets | 37.3270% | 5,249 |
| Net loans and leases to deposits | 44.9515% | 5,219 |
| Net loans and leases to core deposits | 48.9288% | 5,168 |
| Total domestic deposits to total assets | 83.0384% | 3,551 |
| Equity capital to assets | 13.5818% | 1,031 |
| Core capital (leverage) ratio | 13.1556% | 1,091 |
| Tier 1 risk-based capital ratio | 30.1606% | 456 |
| Total risk-based capital ratio | 30.9743% | 463 |
| Memoranda: | ||
| Average total assets | $21,057,000 | 5,591 |
| Average earning assets | $20,061,000 | 5,564 |
| Average equity | $2,835,600 | 5,543 |
| Average total loans | $7,567,200 | 5,582 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7595% | 5,534 |
| Cost of funding earning assets | 0.1519% | 5,302 |
| Net interest margin | 2.6076% | 5,399 |
| Noninterest income to average assets | 0.1830% | 5,102 |
| Noninterest expense to average assets | 2.1890% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4100% | 4,976 |
| Return on assets (ROA) | 0.4100% | 5,010 |
| Pretax return on assets | 0.4857% | 5,057 |
| Return on Equity (ROE) | 3.0511% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.0511% | 4,091 |
| Net charge-offs to loans | 0.0533% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.6650% | 1,717 |
| Efficiency ratio | 81.8396% | 927 |
| Assets per employee ($millions) | 5.6573% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 4,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 34.0404% | 5,415 |
| Net loans and leases to deposits | 40.2982% | 5,416 |
| Net loans and leases to core deposits | 43.2388% | 5,381 |
| Total domestic deposits to total assets | 84.4713% | 2,931 |
| Equity capital to assets | 12.7005% | 1,542 |
| Core capital (leverage) ratio | 13.6545% | 975 |
| Tier 1 risk-based capital ratio | 31.2527% | 435 |
| Total risk-based capital ratio | 32.0792% | 446 |
| Memoranda: | ||
| Average total assets | $21,136,000 | 5,651 |
| Average earning assets | $20,196,750 | 5,628 |
| Average equity | $2,840,250 | 5,605 |
| Average total loans | $7,504,500 | 5,649 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7805% | 5,562 |
| Cost of funding earning assets | 0.1522% | 5,325 |
| Net interest margin | 2.6282% | 5,416 |
| Noninterest income to average assets | 0.2035% | 5,030 |
| Noninterest expense to average assets | 2.2870% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3586% | 5,072 |
| Return on assets (ROA) | 0.3586% | 5,097 |
| Pretax return on assets | 0.4264% | 5,127 |
| Return on Equity (ROE) | 2.6158% | 5,214 |
| Retained earnings to average equity (ytd only) | 2.6158% | 4,133 |
| Net charge-offs to loans | 0.0809% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 2,057 |
| Efficiency ratio | 84.2857% | 823 |
| Assets per employee ($millions) | 3.9912% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 37.5125% | 5,318 |
| Net loans and leases to deposits | 45.4275% | 5,299 |
| Net loans and leases to core deposits | 47.7454% | 5,291 |
| Total domestic deposits to total assets | 82.5767% | 3,689 |
| Equity capital to assets | 14.2664% | 886 |
| Core capital (leverage) ratio | 13.2468% | 1,077 |
| Tier 1 risk-based capital ratio | 31.3201% | 424 |
| Total risk-based capital ratio | 32.1562% | 433 |
| Memoranda: | ||
| Average total assets | $20,638,330 | 5,711 |
| Average earning assets | $19,709,000 | 5,684 |
| Average equity | $2,829,000 | 5,653 |
| Average total loans | $7,413,000 | 5,701 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6606% | 5,664 |
| Cost of funding earning assets | 0.1400% | 5,439 |
| Net interest margin | 2.5206% | 5,533 |
| Noninterest income to average assets | 0.2669% | 4,635 |
| Noninterest expense to average assets | 2.2117% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4004% | 4,938 |
| Return on assets (ROA) | 0.4004% | 4,964 |
| Pretax return on assets | 0.4576% | 5,039 |
| Return on Equity (ROE) | 2.9787% | 5,102 |
| Retained earnings to average equity (ytd only) | 2.9787% | 3,919 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 1,083 |
| Assets per employee ($millions) | 5.3265% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 34.3377% | 5,459 |
| Net loans and leases to deposits | 40.9883% | 5,436 |
| Net loans and leases to core deposits | 41.6890% | 5,479 |
| Total domestic deposits to total assets | 83.7745% | 3,563 |
| Equity capital to assets | 13.2826% | 1,156 |
| Core capital (leverage) ratio | 13.4762% | 984 |
| Tier 1 risk-based capital ratio | 31.8121% | 420 |
| Total risk-based capital ratio | 32.7001% | 428 |
| Memoranda: | ||
| Average total assets | $20,979,500 | 5,774 |
| Average earning assets | $19,995,500 | 5,747 |
| Average equity | $2,820,000 | 5,715 |
| Average total loans | $7,338,500 | 5,768 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8123% | 5,637 |
| Cost of funding earning assets | 0.1494% | 5,431 |
| Net interest margin | 2.6629% | 5,459 |
| Noninterest income to average assets | 0.2016% | 5,208 |
| Noninterest expense to average assets | 2.3207% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3540% | 5,072 |
| Return on assets (ROA) | 0.3540% | 5,157 |
| Pretax return on assets | 0.4228% | 5,180 |
| Return on Equity (ROE) | 2.5443% | 5,283 |
| Retained earnings to average equity (ytd only) | 0.2120% | 5,236 |
| Net charge-offs to loans | 0.0269% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,121 |
| Efficiency ratio | 84.5878% | 955 |
| Assets per employee ($millions) | 5.1633% | 2,220 |
| Cash dividends to net income (ytd only)* | 91.6667% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 34.8763% | 5,524 |
| Net loans and leases to deposits | 41.9706% | 5,492 |
| Net loans and leases to core deposits | 42.7174% | 5,529 |
| Total domestic deposits to total assets | 83.0969% | 3,737 |
| Equity capital to assets | 13.6058% | 1,008 |
| Core capital (leverage) ratio | 13.6866% | 901 |
| Tier 1 risk-based capital ratio | 32.3658% | 401 |
| Total risk-based capital ratio | 33.2757% | 401 |
| Memoranda: | ||
| Average total assets | $20,338,400 | 5,838 |
| Average earning assets | $19,415,000 | 5,812 |
| Average equity | $2,829,800 | 5,771 |
| Average total loans | $7,433,400 | 5,825 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8245% | 5,703 |
| Cost of funding earning assets | 0.1375% | 5,564 |
| Net interest margin | 2.6870% | 5,506 |
| Noninterest income to average assets | 0.2172% | 5,167 |
| Noninterest expense to average assets | 2.3099% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4080% | 4,991 |
| Return on assets (ROA) | 0.4080% | 5,084 |
| Pretax return on assets | 0.4804% | 5,172 |
| Return on Equity (ROE) | 2.9160% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.9160% | 4,156 |
| Net charge-offs to loans | 0.0535% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 24.3325% | 1,678 |
| Efficiency ratio | 82.7830% | 1,098 |
| Assets per employee ($millions) | 5.0235% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 4,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 36.5980% | 5,526 |
| Net loans and leases to deposits | 44.3065% | 5,504 |
| Net loans and leases to core deposits | 45.1221% | 5,545 |
| Total domestic deposits to total assets | 82.6018% | 3,744 |
| Equity capital to assets | 14.2530% | 946 |
| Core capital (leverage) ratio | 14.2544% | 779 |
| Tier 1 risk-based capital ratio | 32.5048% | 395 |
| Total risk-based capital ratio | 33.3787% | 402 |
| Memoranda: | ||
| Average total assets | $20,259,750 | 5,902 |
| Average earning assets | $19,401,500 | 5,875 |
| Average equity | $2,834,750 | 5,835 |
| Average total loans | $7,471,250 | 5,888 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8307% | 5,785 |
| Cost of funding earning assets | 0.1436% | 5,589 |
| Net interest margin | 2.6871% | 5,586 |
| Noninterest income to average assets | 0.2166% | 5,191 |
| Noninterest expense to average assets | 2.3037% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4233% | 4,966 |
| Return on assets (ROA) | 0.4233% | 5,053 |
| Pretax return on assets | 0.4922% | 5,147 |
| Return on Equity (ROE) | 3.0442% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.0442% | 3,977 |
| Net charge-offs to loans | 0.0802% | 2,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,917 |
| Efficiency ratio | 82.3944% | 1,226 |
| Assets per employee ($millions) | 4.9673% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.2138% | 5,550 |
| Net loans and leases to deposits | 45.0936% | 5,528 |
| Net loans and leases to core deposits | 45.9340% | 5,568 |
| Total domestic deposits to total assets | 82.5255% | 3,824 |
| Equity capital to assets | 14.3289% | 924 |
| Core capital (leverage) ratio | 13.9936% | 823 |
| Tier 1 risk-based capital ratio | 32.4741% | 400 |
| Total risk-based capital ratio | 33.3638% | 406 |
| Memoranda: | ||
| Average total assets | $20,315,000 | 5,972 |
| Average earning assets | $19,500,670 | 5,947 |
| Average equity | $2,825,000 | 5,908 |
| Average total loans | $7,484,670 | 5,964 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7625% | 5,874 |
| Cost of funding earning assets | 0.1625% | 5,528 |
| Net interest margin | 2.6000% | 5,722 |
| Noninterest income to average assets | 0.2727% | 4,781 |
| Noninterest expense to average assets | 2.2592% | 4,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4285% | 4,906 |
| Return on assets (ROA) | 0.4285% | 4,984 |
| Pretax return on assets | 0.5064% | 5,071 |
| Return on Equity (ROE) | 3.1272% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.1272% | 3,954 |
| Net charge-offs to loans | 0.1602% | 1,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,035 |
| Efficiency ratio | 81.6901% | 1,401 |
| Assets per employee ($millions) | 4.1740% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 4,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 35.7882% | 5,647 |
| Net loans and leases to deposits | 42.8735% | 5,632 |
| Net loans and leases to core deposits | 43.6248% | 5,668 |
| Total domestic deposits to total assets | 83.4739% | 3,721 |
| Equity capital to assets | 13.5362% | 1,168 |
| Core capital (leverage) ratio | 13.4071% | 1,016 |
| Tier 1 risk-based capital ratio | 32.0331% | 429 |
| Total risk-based capital ratio | 32.9176% | 436 |
| Memoranda: | ||
| Average total assets | $20,538,000 | 6,033 |
| Average earning assets | $19,692,000 | 6,003 |
| Average equity | $2,814,000 | 5,965 |
| Average total loans | $7,491,000 | 6,024 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7031% | 5,931 |
| Cost of funding earning assets | 0.1423% | 5,734 |
| Net interest margin | 2.5608% | 5,788 |
| Noninterest income to average assets | 0.1785% | 5,516 |
| Noninterest expense to average assets | 2.1792% | 5,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3898% | 5,087 |
| Return on assets (ROA) | 0.3898% | 5,164 |
| Pretax return on assets | 0.4509% | 5,224 |
| Return on Equity (ROE) | 2.9420% | 5,320 |
| Retained earnings to average equity (ytd only) | 0.3899% | 5,359 |
| Net charge-offs to loans | 0.0129% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 597 |
| Efficiency ratio | 82.8571% | 1,287 |
| Assets per employee ($millions) | 4.0412% | 3,858 |
| Cash dividends to net income (ytd only)* | 86.7470% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 4,172 |
| 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 | 36.4001% | 5,696 |
| Net loans and leases to deposits | 43.9945% | 5,652 |
| Net loans and leases to core deposits | 44.7984% | 5,691 |
| Total domestic deposits to total assets | 82.7378% | 3,930 |
| Equity capital to assets | 13.8721% | 977 |
| Core capital (leverage) ratio | 13.1677% | 1,086 |
| Tier 1 risk-based capital ratio | 32.4084% | 417 |
| Total risk-based capital ratio | 33.3333% | 421 |
| Memoranda: | ||
| Average total assets | $21,292,000 | 6,079 |
| Average earning assets | $20,384,200 | 6,058 |
| Average equity | $2,821,200 | 6,021 |
| Average total loans | $7,741,200 | 6,068 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6685% | 6,030 |
| Cost of funding earning assets | 0.1292% | 5,921 |
| Net interest margin | 2.5393% | 5,886 |
| Noninterest income to average assets | 0.1793% | 5,578 |
| Noninterest expense to average assets | 2.1270% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4143% | 5,110 |
| Return on assets (ROA) | 0.4143% | 5,195 |
| Pretax return on assets | 0.4823% | 5,263 |
| Return on Equity (ROE) | 3.1613% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.1613% | 4,211 |
| Net charge-offs to loans | 0.0170% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 78.1955% | 758 |
| Efficiency ratio | 81.5166% | 1,462 |
| Assets per employee ($millions) | 4.5844% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 4,178 |
| 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 | 31.1317% | 5,941 |
| Net loans and leases to deposits | 36.7173% | 5,964 |
| Net loans and leases to core deposits | 37.2929% | 5,988 |
| Total domestic deposits to total assets | 84.7875% | 3,100 |
| Equity capital to assets | 12.4771% | 1,756 |
| Core capital (leverage) ratio | 12.9190% | 1,232 |
| Tier 1 risk-based capital ratio | 31.2057% | 464 |
| Total risk-based capital ratio | 32.0786% | 473 |
| Memoranda: | ||
| Average total assets | $21,563,500 | 6,161 |
| Average earning assets | $20,635,250 | 6,136 |
| Average equity | $2,825,750 | 6,102 |
| Average total loans | $7,817,750 | 6,150 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7283% | 6,061 |
| Cost of funding earning assets | 0.1389% | 5,930 |
| Net interest margin | 2.5894% | 5,894 |
| Noninterest income to average assets | 0.1895% | 5,550 |
| Noninterest expense to average assets | 2.1695% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4263% | 5,055 |
| Return on assets (ROA) | 0.4263% | 5,160 |
| Pretax return on assets | 0.4926% | 5,244 |
| Return on Equity (ROE) | 3.1979% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.1979% | 4,010 |
| Net charge-offs to loans | 0.0249% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 928 |
| Efficiency ratio | 81.4947% | 1,560 |
| Assets per employee ($millions) | 4.1512% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 4,896 |
| 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 | 38.4082% | 5,718 |
| Net loans and leases to deposits | 46.0863% | 5,670 |
| Net loans and leases to core deposits | 46.8996% | 5,725 |
| Total domestic deposits to total assets | 83.3398% | 3,816 |
| Equity capital to assets | 13.6683% | 1,103 |
| Core capital (leverage) ratio | 13.2471% | 1,072 |
| Tier 1 risk-based capital ratio | 28.2654% | 627 |
| Total risk-based capital ratio | 29.0625% | 647 |
| Memoranda: | ||
| Average total assets | $21,110,670 | 6,242 |
| Average earning assets | $20,159,000 | 6,215 |
| Average equity | $2,814,330 | 6,172 |
| Average total loans | $8,018,330 | 6,220 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6240% | 6,172 |
| Cost of funding earning assets | 0.1371% | 6,017 |
| Net interest margin | 2.4869% | 6,031 |
| Noninterest income to average assets | 0.2443% | 5,225 |
| Noninterest expense to average assets | 2.1796% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3758% | 5,159 |
| Return on assets (ROA) | 0.3758% | 5,280 |
| Pretax return on assets | 0.4510% | 5,316 |
| Return on Equity (ROE) | 2.8541% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.8541% | 4,257 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 1,512 |
| Assets per employee ($millions) | 4.2604% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 5,080 |
| 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 | 37.9870% | 5,722 |
| Net loans and leases to deposits | 45.2877% | 5,692 |
| Net loans and leases to core deposits | 46.0610% | 5,753 |
| Total domestic deposits to total assets | 83.8794% | 3,858 |
| Equity capital to assets | 13.2053% | 1,300 |
| Core capital (leverage) ratio | 12.7974% | 1,237 |
| Tier 1 risk-based capital ratio | 28.6136% | 612 |
| Total risk-based capital ratio | 29.4375% | 628 |
| Memoranda: | ||
| Average total assets | $21,288,000 | 6,304 |
| Average earning assets | $20,427,000 | 6,276 |
| Average equity | $2,803,000 | 6,235 |
| Average total loans | $8,001,500 | 6,284 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8114% | 6,197 |
| Cost of funding earning assets | 0.1545% | 6,073 |
| Net interest margin | 2.6569% | 6,002 |
| Noninterest income to average assets | 0.2054% | 5,629 |
| Noninterest expense to average assets | 2.3032% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3472% | 5,385 |
| Return on assets (ROA) | 0.3472% | 5,454 |
| Pretax return on assets | 0.4254% | 5,429 |
| Return on Equity (ROE) | 2.5325% | 5,627 |
| Retained earnings to average equity (ytd only) | 0.3924% | 5,600 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4086% | 1,356 |
| Assets per employee ($millions) | 4.2548% | 3,445 |
| Cash dividends to net income (ytd only)* | 84.5070% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 4,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.4247% | 5,931 |
| Net loans and leases to deposits | 42.8429% | 5,936 |
| Net loans and leases to core deposits | 43.5655% | 5,973 |
| Total domestic deposits to total assets | 85.0193% | 3,273 |
| Equity capital to assets | 13.1287% | 1,305 |
| Core capital (leverage) ratio | 13.0569% | 1,115 |
| Tier 1 risk-based capital ratio | 28.9911% | 566 |
| Total risk-based capital ratio | 29.8318% | 574 |
| Memoranda: | ||
| Average total assets | $20,449,400 | 6,407 |
| Average earning assets | $19,421,000 | 6,376 |
| Average equity | $2,803,600 | 6,303 |
| Average total loans | $7,292,800 | 6,388 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8620% | 6,238 |
| Cost of funding earning assets | 0.1528% | 6,169 |
| Net interest margin | 2.7092% | 5,994 |
| Noninterest income to average assets | 0.2174% | 5,628 |
| Noninterest expense to average assets | 2.3447% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3425% | 5,452 |
| Return on assets (ROA) | 0.3425% | 5,523 |
| Pretax return on assets | 0.4413% | 5,496 |
| Return on Equity (ROE) | 2.4706% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.4706% | 4,816 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1608% | 1,372 |
| Assets per employee ($millions) | 3.8230% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 4,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 37.1122% | 5,985 |
| Net loans and leases to deposits | 44.5239% | 5,946 |
| Net loans and leases to core deposits | 45.3784% | 5,981 |
| Total domestic deposits to total assets | 83.3534% | 4,012 |
| Equity capital to assets | 14.8261% | 768 |
| Core capital (leverage) ratio | 13.8521% | 884 |
| Tier 1 risk-based capital ratio | 32.7214% | 419 |
| Total risk-based capital ratio | 33.6566% | 421 |
| Memoranda: | ||
| Average total assets | $20,243,250 | 6,483 |
| Average earning assets | $19,193,250 | 6,453 |
| Average equity | $2,806,250 | 6,374 |
| Average total loans | $7,158,500 | 6,464 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8262% | 6,327 |
| Cost of funding earning assets | 0.1536% | 6,248 |
| Net interest margin | 2.6726% | 6,078 |
| Noninterest income to average assets | 0.2425% | 5,459 |
| Noninterest expense to average assets | 2.3570% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3298% | 5,467 |
| Return on assets (ROA) | 0.3298% | 5,541 |
| Pretax return on assets | 0.4171% | 5,507 |
| Return on Equity (ROE) | 2.4312% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.4312% | 4,659 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9650% | 1,392 |
| Assets per employee ($millions) | 3.9446% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 33.8843% | 6,151 |
| Net loans and leases to deposits | 40.3441% | 6,139 |
| Net loans and leases to core deposits | 41.0882% | 6,189 |
| Total domestic deposits to total assets | 83.9882% | 3,921 |
| Equity capital to assets | 14.2777% | 873 |
| Core capital (leverage) ratio | 13.9780% | 837 |
| Tier 1 risk-based capital ratio | 33.4482% | 398 |
| Total risk-based capital ratio | 34.4103% | 394 |
| Memoranda: | ||
| Average total assets | $20,619,330 | 6,540 |
| Average earning assets | $19,531,330 | 6,515 |
| Average equity | $2,797,000 | 6,430 |
| Average total loans | $7,153,000 | 6,528 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8105% | 6,389 |
| Cost of funding earning assets | 0.1606% | 6,293 |
| Net interest margin | 2.6499% | 6,175 |
| Noninterest income to average assets | 0.2848% | 5,095 |
| Noninterest expense to average assets | 2.4493% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2658% | 5,611 |
| Return on assets (ROA) | 0.2658% | 5,653 |
| Pretax return on assets | 0.3418% | 5,618 |
| Return on Equity (ROE) | 2.0090% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.0090% | 4,802 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7551% | 1,253 |
| Assets per employee ($millions) | 4.0648% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 4,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.6093% | 6,150 |
| Net loans and leases to deposits | 40.9310% | 6,137 |
| Net loans and leases to core deposits | 42.6045% | 6,138 |
| Total domestic deposits to total assets | 84.5552% | 4,063 |
| Equity capital to assets | 13.7473% | 1,015 |
| Core capital (leverage) ratio | 12.9508% | 1,185 |
| Tier 1 risk-based capital ratio | 31.0997% | 483 |
| Total risk-based capital ratio | 32.0013% | 488 |
| Memoranda: | ||
| Average total assets | $21,067,500 | 6,606 |
| Average earning assets | $19,925,500 | 6,580 |
| Average equity | $2,787,500 | 6,491 |
| Average total loans | $7,347,500 | 6,593 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0096% | 6,337 |
| Cost of funding earning assets | 0.1654% | 6,470 |
| Net interest margin | 2.8442% | 5,909 |
| Noninterest income to average assets | 0.2374% | 5,647 |
| Noninterest expense to average assets | 2.6321% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2678% | 5,627 |
| Return on assets (ROA) | 0.2678% | 5,710 |
| Pretax return on assets | 0.2981% | 5,737 |
| Return on Equity (ROE) | 1.8976% | 5,874 |
| Retained earnings to average equity (ytd only) | 0.1790% | 5,769 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8276% | 1,036 |
| Assets per employee ($millions) | 3.6352% | 4,603 |
| Cash dividends to net income (ytd only)* | 90.5660% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 5,282 |
| Loan loss allowance to noncurrent loans | 106.5789% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 5,221 |
| Noncurrent loans to loans | 1.0026% | 3,510 |
| Net loans and leases to total assets | 34.3817% | 6,272 |
| Net loans and leases to deposits | 39.9989% | 6,299 |
| Net loans and leases to core deposits | 41.4928% | 6,320 |
| Total domestic deposits to total assets | 85.9566% | 3,278 |
| Equity capital to assets | 12.7504% | 1,395 |
| Core capital (leverage) ratio | 13.6995% | 898 |
| Tier 1 risk-based capital ratio | 29.3664% | 530 |
| Total risk-based capital ratio | 30.2218% | 548 |
| Memoranda: | ||
| Average total assets | $19,793,800 | 6,704 |
| Average earning assets | $18,740,000 | 6,674 |
| Average equity | $2,793,000 | 6,574 |
| Average total loans | $7,026,600 | 6,679 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 6,352 |
| Cost of funding earning assets | 0.1606% | 6,592 |
| Net interest margin | 2.9063% | 5,802 |
| Noninterest income to average assets | 0.2627% | 5,569 |
| Noninterest expense to average assets | 2.6888% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2834% | 5,666 |
| Return on assets (ROA) | 0.2834% | 5,772 |
| Pretax return on assets | 0.3249% | 5,807 |
| Return on Equity (ROE) | 1.9553% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.9553% | 5,154 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2202% | 1,064 |
| Assets per employee ($millions) | 3.1415% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 37.7049% | 6,183 |
| Net loans and leases to deposits | 45.0209% | 6,157 |
| Net loans and leases to core deposits | 45.8931% | 6,215 |
| Total domestic deposits to total assets | 83.7498% | 4,295 |
| Equity capital to assets | 14.9398% | 722 |
| Core capital (leverage) ratio | 14.0976% | 848 |
| Tier 1 risk-based capital ratio | 32.5361% | 420 |
| Total risk-based capital ratio | 33.4720% | 424 |
| Memoranda: | ||
| Average total assets | $19,289,500 | 6,787 |
| Average earning assets | $18,258,750 | 6,754 |
| Average equity | $2,796,000 | 6,646 |
| Average total loans | $6,888,250 | 6,764 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0299% | 6,419 |
| Cost of funding earning assets | 0.1738% | 6,606 |
| Net interest margin | 2.8561% | 5,885 |
| Noninterest income to average assets | 0.2881% | 5,391 |
| Noninterest expense to average assets | 2.6754% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2573% | 5,754 |
| Return on assets (ROA) | 0.2573% | 5,884 |
| Pretax return on assets | 0.3190% | 5,822 |
| Return on Equity (ROE) | 1.7925% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.7925% | 5,116 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3471% | 1,097 |
| Assets per employee ($millions) | 3.1027% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 35.8831% | 6,309 |
| Net loans and leases to deposits | 42.9030% | 6,287 |
| Net loans and leases to core deposits | 43.7459% | 6,340 |
| Total domestic deposits to total assets | 83.6377% | 4,473 |
| Equity capital to assets | 15.0516% | 703 |
| Core capital (leverage) ratio | 14.2792% | 754 |
| Tier 1 risk-based capital ratio | 31.8880% | 444 |
| Total risk-based capital ratio | 32.8098% | 448 |
| Memoranda: | ||
| Average total assets | $19,436,330 | 6,833 |
| Average earning assets | $18,416,670 | 6,800 |
| Average equity | $2,789,330 | 6,700 |
| Average total loans | $6,788,330 | 6,813 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8918% | 6,618 |
| Cost of funding earning assets | 0.1488% | 6,803 |
| Net interest margin | 2.7429% | 6,139 |
| Noninterest income to average assets | 0.3225% | 5,121 |
| Noninterest expense to average assets | 2.6000% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2620% | 5,691 |
| Return on assets (ROA) | 0.2620% | 5,814 |
| Pretax return on assets | 0.3225% | 5,798 |
| Return on Equity (ROE) | 1.8685% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.8685% | 5,062 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9655% | 1,234 |
| Assets per employee ($millions) | 3.3748% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,191 |
| 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 | 33.0041% | 6,466 |
| Net loans and leases to deposits | 38.8411% | 6,468 |
| Net loans and leases to core deposits | 39.5303% | 6,500 |
| Total domestic deposits to total assets | 84.9721% | 4,054 |
| Equity capital to assets | 13.7785% | 1,104 |
| Core capital (leverage) ratio | 13.5148% | 944 |
| Tier 1 risk-based capital ratio | 32.9126% | 417 |
| Total risk-based capital ratio | 33.8681% | 417 |
| Memoranda: | ||
| Average total assets | $19,846,500 | 6,904 |
| Average earning assets | $18,812,000 | 6,870 |
| Average equity | $2,783,000 | 6,767 |
| Average total loans | $6,802,000 | 6,887 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 5,945 |
| Cost of funding earning assets | 0.2838% | 6,531 |
| Net interest margin | 3.4669% | 4,642 |
| Noninterest income to average assets | 0.2492% | 5,677 |
| Noninterest expense to average assets | 2.6688% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3998% | 5,103 |
| Return on assets (ROA) | 0.3998% | 5,345 |
| Pretax return on assets | 0.4985% | 5,285 |
| Return on Equity (ROE) | 2.7559% | 5,650 |
| Retained earnings to average equity (ytd only) | 0.3937% | 5,659 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2623% | 1,596 |
| Assets per employee ($millions) | 3.2407% | 5,537 |
| Cash dividends to net income (ytd only)* | 85.7143% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 5,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 34.7614% | 6,505 |
| Net loans and leases to deposits | 41.3167% | 6,484 |
| Net loans and leases to core deposits | 42.0885% | 6,543 |
| Total domestic deposits to total assets | 84.1339% | 4,256 |
| Equity capital to assets | 14.2769% | 945 |
| Core capital (leverage) ratio | 12.9677% | 1,122 |
| Tier 1 risk-based capital ratio | 33.4781% | 383 |
| Total risk-based capital ratio | 34.4549% | 387 |
| Memoranda: | ||
| Average total assets | $19,259,400 | 6,968 |
| Average earning assets | $16,210,600 | 6,972 |
| Average equity | $2,794,000 | 6,824 |
| Average total loans | $7,205,400 | 6,943 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 5,682 |
| Cost of funding earning assets | 0.3235% | 6,495 |
| Net interest margin | 3.6172% | 4,159 |
| Noninterest income to average assets | 0.2637% | 5,671 |
| Noninterest expense to average assets | 2.6856% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4164% | 5,181 |
| Return on assets (ROA) | 0.4164% | 5,414 |
| Pretax return on assets | 0.5274% | 5,386 |
| Return on Equity (ROE) | 2.8587% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.8587% | 4,838 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5853% | 1,636 |
| Assets per employee ($millions) | 3.3442% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,406 |
| 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 | 33.9497% | 6,658 |
| Net loans and leases to deposits | 40.1201% | 6,670 |
| Net loans and leases to core deposits | 40.8418% | 6,709 |
| Total domestic deposits to total assets | 84.6200% | 3,923 |
| Equity capital to assets | 14.0842% | 1,128 |
| Core capital (leverage) ratio | 14.0464% | 826 |
| Tier 1 risk-based capital ratio | 33.3648% | 402 |
| Total risk-based capital ratio | 34.3211% | 401 |
| Memoranda: | ||
| Average total assets | $19,213,250 | 7,065 |
| Average earning assets | $15,665,250 | 7,080 |
| Average equity | $2,798,500 | 6,912 |
| Average total loans | $7,296,750 | 7,033 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 5,643 |
| Cost of funding earning assets | 0.3437% | 6,535 |
| Net interest margin | 3.6539% | 4,016 |
| Noninterest income to average assets | 0.2853% | 5,533 |
| Noninterest expense to average assets | 2.7259% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4649% | 4,981 |
| Return on assets (ROA) | 0.4649% | 5,220 |
| Pretax return on assets | 0.5917% | 5,169 |
| Return on Equity (ROE) | 3.1549% | 5,624 |
| Retained earnings to average equity (ytd only) | 3.1549% | 4,520 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1656% | 1,859 |
| Assets per employee ($millions) | 3.1077% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 5,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 38.7375% | 6,421 |
| Net loans and leases to deposits | 46.3577% | 6,413 |
| Net loans and leases to core deposits | 47.2678% | 6,500 |
| Total domestic deposits to total assets | 83.5622% | 4,503 |
| Equity capital to assets | 15.0703% | 766 |
| Core capital (leverage) ratio | 14.4801% | 699 |
| Tier 1 risk-based capital ratio | 33.1134% | 403 |
| Total risk-based capital ratio | 34.0679% | 398 |
| Memoranda: | ||
| Average total assets | $18,929,330 | 7,126 |
| Average earning assets | $15,709,330 | 7,138 |
| Average equity | $2,789,330 | 6,953 |
| Average total loans | $7,431,330 | 7,089 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 5,721 |
| Cost of funding earning assets | 0.3532% | 6,624 |
| Net interest margin | 3.6578% | 4,020 |
| Noninterest income to average assets | 0.3356% | 5,176 |
| Noninterest expense to average assets | 2.6847% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5453% | 4,620 |
| Return on assets (ROA) | 0.5453% | 4,831 |
| Pretax return on assets | 0.6922% | 4,821 |
| Return on Equity (ROE) | 3.7424% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.7424% | 4,338 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5031% | 2,267 |
| Assets per employee ($millions) | 3.2228% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 38.5427% | 6,458 |
| Net loans and leases to deposits | 45.7689% | 6,446 |
| Net loans and leases to core deposits | 46.6279% | 6,530 |
| Total domestic deposits to total assets | 84.2116% | 4,392 |
| Equity capital to assets | 14.4386% | 877 |
| Core capital (leverage) ratio | 13.9621% | 815 |
| Tier 1 risk-based capital ratio | 31.8794% | 439 |
| Total risk-based capital ratio | 32.8043% | 451 |
| Memoranda: | ||
| Average total assets | $19,071,000 | 7,183 |
| Average earning assets | $15,856,500 | 7,198 |
| Average equity | $2,779,000 | 7,006 |
| Average total loans | $7,495,000 | 7,146 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 5,470 |
| Cost of funding earning assets | 0.5471% | 6,355 |
| Net interest margin | 3.8422% | 3,616 |
| Noninterest income to average assets | 0.2678% | 5,602 |
| Noninterest expense to average assets | 2.8095% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5903% | 4,051 |
| Return on assets (ROA) | 0.5903% | 4,227 |
| Pretax return on assets | 0.7215% | 4,247 |
| Return on Equity (ROE) | 3.8729% | 4,911 |
| Retained earnings to average equity (ytd only) | 0.4303% | 5,630 |
| Net charge-offs to loans | 0.0269% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 450 |
| Efficiency ratio | 79.5666% | 2,364 |
| Assets per employee ($millions) | 3.1342% | 5,840 |
| Cash dividends to net income (ytd only)* | 88.8889% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 5,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.2183% | 6,587 |
| Net loans and leases to deposits | 47.6637% | 6,520 |
| Net loans and leases to core deposits | 48.6061% | 6,612 |
| Total domestic deposits to total assets | 82.2813% | 5,036 |
| Equity capital to assets | 14.7089% | 845 |
| Core capital (leverage) ratio | 14.0835% | 805 |
| Tier 1 risk-based capital ratio | 34.6269% | 345 |
| Total risk-based capital ratio | 35.6410% | 346 |
| Memoranda: | ||
| Average total assets | $18,295,200 | 7,237 |
| Average earning assets | $15,537,800 | 7,241 |
| Average equity | $2,788,600 | 7,061 |
| Average total loans | $7,448,400 | 7,199 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 5,669 |
| Cost of funding earning assets | 0.5733% | 6,417 |
| Net interest margin | 3.8080% | 3,833 |
| Noninterest income to average assets | 0.2789% | 5,616 |
| Noninterest expense to average assets | 2.8401% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5871% | 4,145 |
| Return on assets (ROA) | 0.5871% | 4,326 |
| Pretax return on assets | 0.7045% | 4,460 |
| Return on Equity (ROE) | 3.8171% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.8171% | 4,011 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1242% | 2,241 |
| Assets per employee ($millions) | 3.2755% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 37.2971% | 6,806 |
| Net loans and leases to deposits | 44.8867% | 6,799 |
| Net loans and leases to core deposits | 45.7268% | 6,854 |
| Total domestic deposits to total assets | 83.0916% | 4,641 |
| Equity capital to assets | 14.4202% | 1,018 |
| Core capital (leverage) ratio | 14.6309% | 742 |
| Tier 1 risk-based capital ratio | 32.4182% | 440 |
| Total risk-based capital ratio | 33.3677% | 444 |
| Memoranda: | ||
| Average total assets | $18,167,750 | 7,315 |
| Average earning assets | $15,580,750 | 7,316 |
| Average equity | $2,794,250 | 7,124 |
| Average total loans | $7,446,500 | 7,271 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 5,999 |
| Cost of funding earning assets | 0.5702% | 6,586 |
| Net interest margin | 3.7380% | 4,087 |
| Noninterest income to average assets | 0.2942% | 5,527 |
| Noninterest expense to average assets | 2.9084% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5998% | 4,063 |
| Return on assets (ROA) | 0.5998% | 4,202 |
| Pretax return on assets | 0.7243% | 4,300 |
| Return on Equity (ROE) | 3.8116% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.8116% | 3,787 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0623% | 2,380 |
| Assets per employee ($millions) | 2.9625% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 5,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 42.2729% | 6,573 |
| Net loans and leases to deposits | 51.8744% | 6,481 |
| Net loans and leases to core deposits | 51.8744% | 6,674 |
| Total domestic deposits to total assets | 81.4909% | 5,352 |
| Equity capital to assets | 15.7918% | 641 |
| Core capital (leverage) ratio | 15.5340% | 572 |
| Tier 1 risk-based capital ratio | 33.1092% | 414 |
| Total risk-based capital ratio | 34.0882% | 413 |
| Memoranda: | ||
| Average total assets | $17,672,670 | 7,393 |
| Average earning assets | $15,784,000 | 7,387 |
| Average equity | $2,781,000 | 7,185 |
| Average total loans | $7,457,670 | 7,344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 6,134 |
| Cost of funding earning assets | 0.6116% | 6,559 |
| Net interest margin | 3.6441% | 4,355 |
| Noninterest income to average assets | 0.3632% | 5,006 |
| Noninterest expense to average assets | 2.8601% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6356% | 3,832 |
| Return on assets (ROA) | 0.6356% | 3,907 |
| Pretax return on assets | 0.7491% | 4,099 |
| Return on Equity (ROE) | 4.0462% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.0462% | 3,739 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2453% | 2,658 |
| Assets per employee ($millions) | 3.0702% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 37.8481% | 6,913 |
| Net loans and leases to deposits | 46.0259% | 6,846 |
| Net loans and leases to core deposits | 46.7982% | 6,937 |
| Total domestic deposits to total assets | 82.2322% | 5,216 |
| Equity capital to assets | 15.1023% | 743 |
| Core capital (leverage) ratio | 14.7672% | 701 |
| Tier 1 risk-based capital ratio | 34.2822% | 369 |
| Total risk-based capital ratio | 35.3050% | 365 |
| Memoranda: | ||
| Average total assets | $17,621,500 | 7,451 |
| Average earning assets | $15,696,500 | 7,445 |
| Average equity | $2,768,000 | 7,231 |
| Average total loans | $7,388,000 | 7,405 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9661% | 4,715 |
| Cost of funding earning assets | 0.8892% | 6,205 |
| Net interest margin | 4.0769% | 2,675 |
| Noninterest income to average assets | 0.3340% | 5,397 |
| Noninterest expense to average assets | 3.0811% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6162% | 3,602 |
| Return on assets (ROA) | 0.6162% | 3,769 |
| Pretax return on assets | 0.8178% | 3,578 |
| Return on Equity (ROE) | 3.8462% | 4,590 |
| Retained earnings to average equity (ytd only) | 0.3954% | 5,381 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0251% | 2,536 |
| Assets per employee ($millions) | 2.8037% | 6,520 |
| Cash dividends to net income (ytd only)* | 89.7196% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 6,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 45.4048% | 6,603 |
| Net loans and leases to deposits | 57.0341% | 6,348 |
| Net loans and leases to core deposits | 58.1190% | 6,554 |
| Total domestic deposits to total assets | 79.6100% | 5,933 |
| Equity capital to assets | 16.3714% | 533 |
| Core capital (leverage) ratio | 14.8496% | 685 |
| Tier 1 risk-based capital ratio | 33.1887% | 405 |
| Total risk-based capital ratio | 34.1890% | 403 |
| Memoranda: | ||
| Average total assets | $17,364,200 | 7,524 |
| Average earning assets | $15,183,000 | 7,522 |
| Average equity | $2,782,000 | 7,333 |
| Average total loans | $7,697,000 | 7,477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 4,414 |
| Cost of funding earning assets | 0.9353% | 6,249 |
| Net interest margin | 4.1470% | 2,418 |
| Noninterest income to average assets | 0.3429% | 5,429 |
| Noninterest expense to average assets | 3.0476% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6781% | 3,515 |
| Return on assets (ROA) | 0.6781% | 3,671 |
| Pretax return on assets | 0.8762% | 3,638 |
| Return on Equity (ROE) | 4.2546% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.2546% | 3,496 |
| Net charge-offs to loans | 0.0173% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 115.2857% | 276 |
| Efficiency ratio | 77.6699% | 2,666 |
| Assets per employee ($millions) | 3.1103% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 39.3098% | 7,116 |
| Net loans and leases to deposits | 48.1649% | 7,081 |
| Net loans and leases to core deposits | 48.1649% | 7,195 |
| Total domestic deposits to total assets | 81.6150% | 5,158 |
| Equity capital to assets | 15.1699% | 852 |
| Core capital (leverage) ratio | 15.6098% | 621 |
| Tier 1 risk-based capital ratio | 33.6783% | 387 |
| Total risk-based capital ratio | 34.6657% | 389 |
| Memoranda: | ||
| Average total assets | $17,499,750 | 7,618 |
| Average earning assets | $15,111,000 | 7,618 |
| Average equity | $2,789,000 | 7,423 |
| Average total loans | $7,691,000 | 7,576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 4,580 |
| Cost of funding earning assets | 0.9788% | 6,243 |
| Net interest margin | 4.0979% | 2,568 |
| Noninterest income to average assets | 0.3857% | 5,032 |
| Noninterest expense to average assets | 3.1322% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7363% | 3,255 |
| Return on assets (ROA) | 0.7363% | 3,401 |
| Pretax return on assets | 0.9233% | 3,408 |
| Return on Equity (ROE) | 4.5405% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.5405% | 3,183 |
| Net charge-offs to loans | 0.0257% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 403 |
| Efficiency ratio | 77.2334% | 2,852 |
| Assets per employee ($millions) | 2.7670% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 6,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.0124% | 6,705 |
| Net loans and leases to deposits | 59.1109% | 6,490 |
| Net loans and leases to core deposits | 59.1109% | 6,761 |
| Total domestic deposits to total assets | 79.5326% | 5,884 |
| Equity capital to assets | 16.9016% | 542 |
| Core capital (leverage) ratio | 16.1850% | 544 |
| Tier 1 risk-based capital ratio | 33.5526% | 388 |
| Total risk-based capital ratio | 34.5211% | 388 |
| Memoranda: | ||
| Average total assets | $17,112,330 | 7,691 |
| Average earning assets | $15,325,000 | 7,675 |
| Average equity | $2,775,000 | 7,484 |
| Average total loans | $7,781,670 | 7,634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 4,321 |
| Cost of funding earning assets | 1.0238% | 6,262 |
| Net interest margin | 4.1214% | 2,350 |
| Noninterest income to average assets | 0.4606% | 4,378 |
| Noninterest expense to average assets | 3.1323% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7600% | 3,158 |
| Return on assets (ROA) | 0.7600% | 3,268 |
| Pretax return on assets | 0.9443% | 3,296 |
| Return on Equity (ROE) | 4.7835% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.7835% | 3,279 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8362% | 3,088 |
| Assets per employee ($millions) | 2.8068% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 5,933 |
| Loan loss allowance to noncurrent loans | 8,300.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,485 |
| Noncurrent loans to loans | 0.0135% | 7,386 |
| Net loans and leases to total assets | 43.6494% | 7,021 |
| Net loans and leases to deposits | 54.5448% | 6,882 |
| Net loans and leases to core deposits | 54.5448% | 7,075 |
| Total domestic deposits to total assets | 80.0249% | 5,778 |
| Equity capital to assets | 16.4836% | 607 |
| Core capital (leverage) ratio | 16.0028% | 581 |
| Tier 1 risk-based capital ratio | 34.5188% | 367 |
| Total risk-based capital ratio | 35.5509% | 368 |
| Memoranda: | ||
| Average total assets | $17,367,500 | 7,784 |
| Average earning assets | $15,237,500 | 7,777 |
| Average equity | $2,759,500 | 7,564 |
| Average total loans | $7,729,500 | 7,734 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 4,873 |
| Cost of funding earning assets | 1.2950% | 6,325 |
| Net interest margin | 4.0682% | 2,575 |
| Noninterest income to average assets | 0.3517% | 5,582 |
| Noninterest expense to average assets | 3.0847% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5996% | 3,332 |
| Return on assets (ROA) | 0.5996% | 3,411 |
| Pretax return on assets | 0.7265% | 3,486 |
| Return on Equity (ROE) | 3.7559% | 4,181 |
| Retained earnings to average equity (ytd only) | 0.2889% | 4,748 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9380% | 2,760 |
| Assets per employee ($millions) | 2.9823% | 6,266 |
| Cash dividends to net income (ytd only)* | 92.3077% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 6,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 44.3836% | 7,095 |
| Net loans and leases to deposits | 54.9087% | 6,991 |
| Net loans and leases to core deposits | 61.7142% | 7,202 |
| Total domestic deposits to total assets | 80.8316% | 5,396 |
| Equity capital to assets | 15.3292% | 837 |
| Core capital (leverage) ratio | 15.2220% | 737 |
| Tier 1 risk-based capital ratio | 30.8966% | 479 |
| Total risk-based capital ratio | 31.8315% | 481 |
| Memoranda: | ||
| Average total assets | $17,343,800 | 7,847 |
| Average earning assets | $14,748,600 | 7,850 |
| Average equity | $2,769,000 | 7,656 |
| Average total loans | $7,438,800 | 7,806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3967% | 4,968 |
| Cost of funding earning assets | 1.3607% | 6,363 |
| Net interest margin | 4.0361% | 2,653 |
| Noninterest income to average assets | 0.4572% | 4,850 |
| Noninterest expense to average assets | 3.1538% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6122% | 3,566 |
| Return on assets (ROA) | 0.6122% | 3,610 |
| Pretax return on assets | 0.7052% | 3,835 |
| Return on Equity (ROE) | 3.7950% | 4,459 |
| Retained earnings to average equity (ytd only) | 3.7950% | 3,168 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7269% | 2,620 |
| Assets per employee ($millions) | 3.1047% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 38.6085% | 7,527 |
| Net loans and leases to deposits | 47.3251% | 7,526 |
| Net loans and leases to core deposits | 53.2031% | 7,615 |
| Total domestic deposits to total assets | 81.5815% | 4,842 |
| Equity capital to assets | 15.1063% | 974 |
| Core capital (leverage) ratio | 15.0160% | 856 |
| Tier 1 risk-based capital ratio | 32.4642% | 459 |
| Total risk-based capital ratio | 33.4218% | 457 |
| Memoranda: | ||
| Average total assets | $17,206,250 | 7,927 |
| Average earning assets | $14,502,250 | 7,939 |
| Average equity | $2,775,500 | 7,725 |
| Average total loans | $7,292,250 | 7,890 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4818% | 4,725 |
| Cost of funding earning assets | 1.4020% | 6,472 |
| Net interest margin | 4.0798% | 2,392 |
| Noninterest income to average assets | 0.5140% | 4,316 |
| Noninterest expense to average assets | 3.2273% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6455% | 3,484 |
| Return on assets (ROA) | 0.6455% | 3,591 |
| Pretax return on assets | 0.7650% | 3,791 |
| Return on Equity (ROE) | 3.9093% | 4,534 |
| Retained earnings to average equity (ytd only) | 3.9093% | 3,109 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8383% | 2,912 |
| Assets per employee ($millions) | 2.8672% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 5,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 40.6615% | 7,515 |
| Net loans and leases to deposits | 50.6737% | 7,458 |
| Net loans and leases to core deposits | 56.3976% | 7,578 |
| Total domestic deposits to total assets | 80.2418% | 5,374 |
| Equity capital to assets | 16.2065% | 796 |
| Core capital (leverage) ratio | 16.5107% | 676 |
| Tier 1 risk-based capital ratio | 34.4410% | 433 |
| Total risk-based capital ratio | 35.4663% | 432 |
| Memoranda: | ||
| Average total assets | $16,732,330 | 8,022 |
| Average earning assets | $14,265,330 | 8,030 |
| Average equity | $2,762,670 | 7,801 |
| Average total loans | $7,298,000 | 7,977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6668% | 3,960 |
| Cost of funding earning assets | 1.4958% | 6,411 |
| Net interest margin | 4.1710% | 2,007 |
| Noninterest income to average assets | 0.5092% | 4,240 |
| Noninterest expense to average assets | 3.1763% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7274% | 3,432 |
| Return on assets (ROA) | 0.7274% | 3,628 |
| Pretax return on assets | 0.8486% | 3,897 |
| Return on Equity (ROE) | 4.3636% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.3636% | 3,492 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9157% | 3,017 |
| Assets per employee ($millions) | 2.7283% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 5,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.1338% | 7,404 |
| Net loans and leases to deposits | 54.1488% | 7,278 |
| Net loans and leases to core deposits | 62.0693% | 7,388 |
| Total domestic deposits to total assets | 79.6579% | 5,484 |
| Equity capital to assets | 16.8907% | 738 |
| Core capital (leverage) ratio | 16.8896% | 669 |
| Tier 1 risk-based capital ratio | 35.8811% | 411 |
| Total risk-based capital ratio | 36.9582% | 407 |
| Memoranda: | ||
| Average total assets | $16,497,000 | 8,079 |
| Average earning assets | $13,905,500 | 8,089 |
| Average equity | $2,750,000 | 7,854 |
| Average total loans | $7,408,000 | 8,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7799% | 6,502 |
| Cost of funding earning assets | 1.6792% | 7,305 |
| Net interest margin | 4.1007% | 2,709 |
| Noninterest income to average assets | 0.5024% | 4,602 |
| Noninterest expense to average assets | 3.2749% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6699% | 4,026 |
| Return on assets (ROA) | 0.6699% | 3,871 |
| Pretax return on assets | 0.8932% | 3,748 |
| Return on Equity (ROE) | 3.9091% | 4,856 |
| Retained earnings to average equity (ytd only) | 0.4343% | 4,986 |
| Net charge-offs to loans | 0.0132% | 6,724 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 317 |
| Efficiency ratio | 78.5714% | 2,830 |
| Assets per employee ($millions) | 2.7707% | 6,633 |
| Cash dividends to net income (ytd only)* | 88.8889% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 5,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.6509% | 7,360 |
| Net loans and leases to deposits | 57.3534% | 7,243 |
| Net loans and leases to core deposits | 65.1584% | 7,387 |
| Total domestic deposits to total assets | 79.5958% | 5,167 |
| Equity capital to assets | 16.4521% | 845 |
| Core capital (leverage) ratio | 16.8059% | 723 |
| Tier 1 risk-based capital ratio | 32.8450% | 513 |
| Total risk-based capital ratio | 33.8417% | 511 |
| Memoranda: | ||
| Average total assets | $16,122,400 | 8,135 |
| Average earning assets | $14,412,000 | 8,121 |
| Average equity | $2,762,800 | 7,910 |
| Average total loans | $7,559,800 | 8,053 |