Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5736% | 562 |
| Cost of funding earning assets | 0.3243% | 4,335 |
| Net interest margin | 6.2493% | 77 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 4.6538% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.7485% | 694 |
| Return on assets (ROA) | 1.7485% | 692 |
| Pretax return on assets | 1.7485% | 1,030 |
| Return on Equity (ROE) | 15.2300% | 1,023 |
| Retained earnings to average equity (ytd only) | 14.9927% | 423 |
| Net charge-offs to loans | 0.1534% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,506 |
| Efficiency ratio | 72.6891% | 1,545 |
| Assets per employee ($millions) | 2.9282% | 4,273 |
| Cash dividends to net income (ytd only)* | 1.5385% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 3,930 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 71.1500% | 1,709 |
| Net loans and leases to deposits | 80.7832% | 1,983 |
| Net loans and leases to core deposits | 80.7832% | 2,644 |
| Total domestic deposits to total assets | 88.0700% | 1,535 |
| Equity capital to assets | 11.8776% | 1,284 |
| Core capital (leverage) ratio | 12.1523% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $14,869,500 | 4,418 |
| Average earning assets | $13,569,500 | 4,390 |
| Average equity | $1,707,500 | 4,408 |
| Average total loans | $10,431,000 | 4,304 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2943% | 287 |
| Cost of funding earning assets | 0.2699% | 4,362 |
| Net interest margin | 7.0244% | 47 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 5.8930% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.2406% | 1,413 |
| Return on assets (ROA) | 1.2406% | 1,422 |
| Pretax return on assets | 1.2406% | 1,896 |
| Return on Equity (ROE) | 10.8700% | 1,921 |
| Retained earnings to average equity (ytd only) | -5.7239% | 4,313 |
| Net charge-offs to loans | 0.0282% | 2,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 62.6667% | 1,076 |
| Efficiency ratio | 82.6087% | 874 |
| Assets per employee ($millions) | 3.0196% | 4,288 |
| Cash dividends to net income (ytd only)* | 152.6596% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 3,849 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 68.0900% | 2,132 |
| Net loans and leases to deposits | 76.6249% | 2,396 |
| Net loans and leases to core deposits | 76.6249% | 3,003 |
| Total domestic deposits to total assets | 88.8600% | 1,208 |
| Equity capital to assets | 11.1008% | 1,544 |
| Core capital (leverage) ratio | 11.7317% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $15,153,600 | 4,442 |
| Average earning assets | $13,709,400 | 4,414 |
| Average equity | $1,729,600 | 4,427 |
| Average total loans | $10,648,400 | 4,321 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3782% | 266 |
| Cost of funding earning assets | 0.2524% | 4,405 |
| Net interest margin | 7.1258% | 44 |
| Noninterest income to average assets | 0.7800% | 920 |
| Noninterest expense to average assets | 6.1973% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0373% | 1,937 |
| Return on assets (ROA) | 1.0373% | 1,945 |
| Pretax return on assets | 1.0373% | 2,421 |
| Return on Equity (ROE) | 9.0300% | 2,464 |
| Retained earnings to average equity (ytd only) | -12.9276% | 4,453 |
| Net charge-offs to loans | 0.0373% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 1,352 |
| Efficiency ratio | 85.6622% | 726 |
| Assets per employee ($millions) | 2.8224% | 4,339 |
| Cash dividends to net income (ytd only)* | 243.2203% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 3,871 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 72.0800% | 1,596 |
| Net loans and leases to deposits | 81.3955% | 2,043 |
| Net loans and leases to core deposits | 81.3955% | 2,727 |
| Total domestic deposits to total assets | 88.5600% | 1,066 |
| Equity capital to assets | 11.4016% | 1,525 |
| Core capital (leverage) ratio | 11.2672% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $15,167,500 | 4,469 |
| Average earning assets | $13,733,750 | 4,444 |
| Average equity | $1,743,000 | 4,458 |
| Average total loans | $10,719,500 | 4,346 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4132% | 245 |
| Cost of funding earning assets | 0.2281% | 4,418 |
| Net interest margin | 7.1851% | 45 |
| Noninterest income to average assets | 0.7200% | 1,042 |
| Noninterest expense to average assets | 4.4074% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.8094% | 175 |
| Return on assets (ROA) | 2.8094% | 178 |
| Pretax return on assets | 2.8094% | 241 |
| Return on Equity (ROE) | 24.3900% | 240 |
| Retained earnings to average equity (ytd only) | 4.2514% | 2,621 |
| Net charge-offs to loans | 0.0552% | 1,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 936 |
| Efficiency ratio | 61.0714% | 3,105 |
| Assets per employee ($millions) | 2.8862% | 4,353 |
| Cash dividends to net income (ytd only)* | 82.5688% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 3,962 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.3100% | 1,498 |
| Net loans and leases to deposits | 84.2411% | 1,821 |
| Net loans and leases to core deposits | 84.2411% | 2,512 |
| Total domestic deposits to total assets | 87.0200% | 1,654 |
| Equity capital to assets | 12.5494% | 998 |
| Core capital (leverage) ratio | 12.1789% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $15,519,333 | 4,485 |
| Average earning assets | $14,029,000 | 4,460 |
| Average equity | $1,787,667 | 4,472 |
| Average total loans | $10,874,000 | 4,365 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3504% | 248 |
| Cost of funding earning assets | 0.2219% | 4,440 |
| Net interest margin | 7.1285% | 45 |
| Noninterest income to average assets | 0.7200% | 981 |
| Noninterest expense to average assets | 4.2581% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.8636% | 184 |
| Return on assets (ROA) | 2.8636% | 184 |
| Pretax return on assets | 2.8636% | 245 |
| Return on Equity (ROE) | 25.9000% | 215 |
| Retained earnings to average equity (ytd only) | 3.3784% | 2,877 |
| Net charge-offs to loans | 0.1457% | 569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 28.7500% | 1,183 |
| Efficiency ratio | 59.7902% | 3,291 |
| Assets per employee ($millions) | 3.0854% | 4,357 |
| Cash dividends to net income (ytd only)* | 86.9565% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,003 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 69.3100% | 1,882 |
| Net loans and leases to deposits | 78.3928% | 2,202 |
| Net loans and leases to core deposits | 78.3928% | 2,839 |
| Total domestic deposits to total assets | 88.4100% | 1,290 |
| Equity capital to assets | 11.5512% | 1,282 |
| Core capital (leverage) ratio | 11.1451% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $16,063,500 | 4,512 |
| Average earning assets | $14,421,000 | 4,485 |
| Average equity | $1,776,000 | 4,499 |
| Average total loans | $10,979,500 | 4,389 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7428% | 277 |
| Cost of funding earning assets | 0.1837% | 4,450 |
| Net interest margin | 6.5592% | 78 |
| Noninterest income to average assets | 1.5700% | 371 |
| Noninterest expense to average assets | 3.9515% | 383 |
| Loan and lease loss provision to assets | 0.4100% | 237 |
| Net operating income to assets | 3.0513% | 153 |
| Return on assets (ROA) | 3.0513% | 151 |
| Pretax return on assets | 3.0513% | 195 |
| Return on Equity (ROE) | 29.4700% | 192 |
| Retained earnings to average equity (ytd only) | -5.7595% | 4,407 |
| Net charge-offs to loans | 0.7783% | 132 |
| Credit loss provision to net charge-offs | 88.6076% | 1,961 |
| Earnings coverage of net charge-offs (x) | 7.4937% | 2,402 |
| Efficiency ratio | 53.3123% | 3,728 |
| Assets per employee ($millions) | 3.3400% | 4,320 |
| Cash dividends to net income (ytd only)* | 119.5402% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 4,011 |
| 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 | 66.4500% | 2,203 |
| Net loans and leases to deposits | 74.3567% | 2,592 |
| Net loans and leases to core deposits | 74.3567% | 3,059 |
| Total domestic deposits to total assets | 89.3700% | 958 |
| Equity capital to assets | 10.5988% | 1,678 |
| Core capital (leverage) ratio | 10.7834% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $17,107,600 | 4,530 |
| Average earning assets | $15,245,800 | 4,498 |
| Average equity | $1,771,000 | 4,501 |
| Average total loans | $10,150,400 | 4,410 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7330% | 245 |
| Cost of funding earning assets | 0.1668% | 4,467 |
| Net interest margin | 6.5662% | 71 |
| Noninterest income to average assets | 1.7600% | 335 |
| Noninterest expense to average assets | 3.8118% | 416 |
| Loan and lease loss provision to assets | 0.5400% | 142 |
| Net operating income to assets | 3.1997% | 158 |
| Return on assets (ROA) | 3.1997% | 158 |
| Pretax return on assets | 3.1997% | 200 |
| Return on Equity (ROE) | 31.0900% | 204 |
| Retained earnings to average equity (ytd only) | -6.8500% | 4,463 |
| Net charge-offs to loans | 1.0648% | 89 |
| Credit loss provision to net charge-offs | 88.6076% | 1,704 |
| Earnings coverage of net charge-offs (x) | 6.1139% | 2,316 |
| Efficiency ratio | 50.4615% | 3,879 |
| Assets per employee ($millions) | 3.3760% | 4,346 |
| Cash dividends to net income (ytd only)* | 122.0339% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 3,887 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.5100% | 2,792 |
| Net loans and leases to deposits | 67.6558% | 3,002 |
| Net loans and leases to core deposits | 67.6558% | 3,345 |
| Total domestic deposits to total assets | 89.4400% | 1,099 |
| Equity capital to assets | 10.5332% | 1,542 |
| Core capital (leverage) ratio | 10.4224% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $17,209,500 | 4,557 |
| Average earning assets | $15,188,500 | 4,524 |
| Average equity | $1,771,250 | 4,524 |
| Average total loans | $9,892,000 | 4,438 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5179% | 257 |
| Cost of funding earning assets | 0.1712% | 4,456 |
| Net interest margin | 6.3467% | 85 |
| Noninterest income to average assets | 2.2200% | 224 |
| Noninterest expense to average assets | 3.8454% | 386 |
| Loan and lease loss provision to assets | 0.8100% | 88 |
| Net operating income to assets | 3.1295% | 139 |
| Return on assets (ROA) | 3.1295% | 138 |
| Pretax return on assets | 3.1295% | 184 |
| Return on Equity (ROE) | 30.6400% | 203 |
| Retained earnings to average equity (ytd only) | -6.6704% | 4,464 |
| Net charge-offs to loans | 1.6196% | 54 |
| Credit loss provision to net charge-offs | 88.6076% | 1,510 |
| Earnings coverage of net charge-offs (x) | 4.3165% | 2,222 |
| Efficiency ratio | 49.4065% | 3,976 |
| Assets per employee ($millions) | 3.5438% | 4,335 |
| Cash dividends to net income (ytd only)* | 121.7712% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 3,792 |
| 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 | 54.1800% | 3,261 |
| Net loans and leases to deposits | 60.3698% | 3,400 |
| Net loans and leases to core deposits | 60.3698% | 3,612 |
| Total domestic deposits to total assets | 89.7500% | 994 |
| Equity capital to assets | 10.2207% | 1,733 |
| Core capital (leverage) ratio | 10.8697% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5440% | 1,028 |
| Memoranda: | ||
| Average total assets | $17,319,333 | 4,586 |
| Average earning assets | $15,189,000 | 4,552 |
| Average equity | $1,769,000 | 4,556 |
| Average total loans | $9,755,667 | 4,470 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2747% | 229 |
| Cost of funding earning assets | 0.1877% | 4,402 |
| Net interest margin | 6.0870% | 93 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 3.5982% | 487 |
| Loan and lease loss provision to assets | 0.9300% | 73 |
| Net operating income to assets | 1.5187% | 1,151 |
| Return on assets (ROA) | 1.5187% | 1,131 |
| Pretax return on assets | 1.5187% | 1,631 |
| Return on Equity (ROE) | 14.8700% | 1,575 |
| Retained earnings to average equity (ytd only) | -56.0641% | 4,673 |
| Net charge-offs to loans | 0.3269% | 243 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 13.1250% | 1,595 |
| Efficiency ratio | 59.4595% | 3,026 |
| Assets per employee ($millions) | 3.3618% | 4,441 |
| Cash dividends to net income (ytd only)* | 476.9231% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,004 |
| Loan loss allowance to noncurrent loans | 96.2406% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7912% | 608 |
| Noncurrent loans to loans | 1.3580% | 488 |
| Net loans and leases to total assets | 57.5000% | 2,909 |
| Net loans and leases to deposits | 63.6969% | 3,114 |
| Net loans and leases to core deposits | 63.6969% | 3,366 |
| Total domestic deposits to total assets | 90.2800% | 1,054 |
| Equity capital to assets | 9.6912% | 2,005 |
| Core capital (leverage) ratio | 9.5750% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9836% | 1,374 |
| Memoranda: | ||
| Average total assets | $17,119,500 | 4,646 |
| Average earning assets | $14,917,000 | 4,624 |
| Average equity | $1,748,000 | 4,624 |
| Average total loans | $9,790,000 | 4,536 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 600 |
| Cost of funding earning assets | 0.1001% | 4,391 |
| Net interest margin | 4.5170% | 286 |
| Noninterest income to average assets | 1.9300% | 259 |
| Noninterest expense to average assets | 3.6759% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2814% | 187 |
| Return on assets (ROA) | 2.2814% | 180 |
| Pretax return on assets | 2.2814% | 275 |
| Return on Equity (ROE) | 24.9700% | 213 |
| Retained earnings to average equity (ytd only) | 19.7826% | 95 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.7041% | 2,807 |
| Assets per employee ($millions) | 3.4860% | 4,438 |
| Cash dividends to net income (ytd only)* | 20.7824% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,465 |
| Loan loss allowance to noncurrent loans | 64.8649% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 542 |
| Noncurrent loans to loans | 1.5124% | 429 |
| Net loans and leases to total assets | 55.5900% | 3,075 |
| Net loans and leases to deposits | 62.2831% | 3,175 |
| Net loans and leases to core deposits | 62.2831% | 3,375 |
| Total domestic deposits to total assets | 89.2600% | 1,643 |
| Equity capital to assets | 10.7114% | 1,370 |
| Core capital (leverage) ratio | 11.2222% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8565% | 1,000 |
| Memoranda: | ||
| Average total assets | $17,927,400 | 4,677 |
| Average earning assets | $15,984,200 | 4,649 |
| Average equity | $1,637,800 | 4,694 |
| Average total loans | $9,572,600 | 4,569 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 957 |
| Cost of funding earning assets | 0.0821% | 4,405 |
| Net interest margin | 4.0795% | 534 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.6265% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8346% | 3,115 |
| Return on assets (ROA) | 0.8346% | 3,082 |
| Pretax return on assets | 0.8346% | 3,501 |
| Return on Equity (ROE) | 9.5300% | 2,863 |
| Retained earnings to average equity (ytd only) | 7.8454% | 2,061 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.2914% | 699 |
| Assets per employee ($millions) | 2.7933% | 4,591 |
| Cash dividends to net income (ytd only)* | 17.6991% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,557 |
| 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 | 57.6300% | 2,747 |
| Net loans and leases to deposits | 63.8907% | 2,874 |
| Net loans and leases to core deposits | 63.8907% | 3,126 |
| Total domestic deposits to total assets | 90.2000% | 1,567 |
| Equity capital to assets | 9.7375% | 1,753 |
| Core capital (leverage) ratio | 9.3886% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2584% | 1,352 |
| Memoranda: | ||
| Average total assets | $18,051,750 | 4,713 |
| Average earning assets | $16,243,500 | 4,685 |
| Average equity | $1,580,500 | 4,732 |
| Average total loans | $9,519,250 | 4,601 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 1,362 |
| Cost of funding earning assets | 0.0719% | 4,446 |
| Net interest margin | 3.7027% | 908 |
| Noninterest income to average assets | 0.7683% | 1,126 |
| Noninterest expense to average assets | 3.6684% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4437% | 4,017 |
| Return on assets (ROA) | 0.4437% | 3,970 |
| Pretax return on assets | 0.4437% | 4,093 |
| Return on Equity (ROE) | 5.2452% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.2452% | 2,613 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2105% | 445 |
| Assets per employee ($millions) | 2.2366% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,621 |
| 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 | 53.4231% | 3,016 |
| Net loans and leases to deposits | 58.6190% | 3,169 |
| Net loans and leases to core deposits | 58.6190% | 3,380 |
| Total domestic deposits to total assets | 91.1362% | 1,169 |
| Equity capital to assets | 8.8470% | 2,500 |
| Core capital (leverage) ratio | 8.4367% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8811% | 1,463 |
| Memoranda: | ||
| Average total assets | $18,482,333 | 4,745 |
| Average earning assets | $16,690,667 | 4,733 |
| Average equity | $1,563,333 | 4,758 |
| Average total loans | $9,440,667 | 4,667 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 1,707 |
| Cost of funding earning assets | 0.0710% | 4,437 |
| Net interest margin | 3.4575% | 1,163 |
| Noninterest income to average assets | 0.7669% | 1,125 |
| Noninterest expense to average assets | 3.6641% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2130% | 4,306 |
| Return on assets (ROA) | 0.2130% | 4,272 |
| Pretax return on assets | 0.2130% | 4,311 |
| Return on Equity (ROE) | 2.5748% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.5748% | 3,390 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5055% | 375 |
| Assets per employee ($millions) | 2.3216% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,613 |
| 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 | 49.9489% | 3,180 |
| Net loans and leases to deposits | 54.5289% | 3,374 |
| Net loans and leases to core deposits | 54.5289% | 3,558 |
| Total domestic deposits to total assets | 91.6007% | 751 |
| Equity capital to assets | 8.3831% | 3,257 |
| Core capital (leverage) ratio | 8.1234% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6144% | 1,611 |
| Memoranda: | ||
| Average total assets | $18,777,000 | 4,769 |
| Average earning assets | $16,891,000 | 4,756 |
| Average equity | $1,553,500 | 4,784 |
| Average total loans | $9,333,500 | 4,693 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 2,296 |
| Cost of funding earning assets | 0.0879% | 4,479 |
| Net interest margin | 3.5467% | 1,613 |
| Noninterest income to average assets | 0.6864% | 1,810 |
| Noninterest expense to average assets | 3.6415% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2148% | 4,522 |
| Return on assets (ROA) | 0.2148% | 4,540 |
| Pretax return on assets | 0.2148% | 4,565 |
| Return on Equity (ROE) | 2.6472% | 4,421 |
| Retained earnings to average equity (ytd only) | 0.3874% | 4,396 |
| Net charge-offs to loans | 0.0314% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 2,068 |
| Efficiency ratio | 94.4293% | 224 |
| Assets per employee ($millions) | 2.3726% | 4,749 |
| Cash dividends to net income (ytd only)* | 85.3659% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,623 |
| 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 | 48.4590% | 3,457 |
| Net loans and leases to deposits | 52.7771% | 3,683 |
| Net loans and leases to core deposits | 53.5452% | 3,789 |
| Total domestic deposits to total assets | 91.8181% | 233 |
| Equity capital to assets | 8.1661% | 4,261 |
| Core capital (leverage) ratio | 8.1115% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3452% | 1,726 |
| Memoranda: | ||
| Average total assets | $19,085,400 | 4,814 |
| Average earning assets | $17,058,000 | 4,798 |
| Average equity | $1,548,800 | 4,828 |
| Average total loans | $9,539,800 | 4,735 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 2,390 |
| Cost of funding earning assets | 0.0783% | 4,641 |
| Net interest margin | 3.5790% | 1,652 |
| Noninterest income to average assets | 0.6349% | 2,072 |
| Noninterest expense to average assets | 3.5929% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2302% | 4,599 |
| Return on assets (ROA) | 0.2302% | 4,621 |
| Pretax return on assets | 0.2302% | 4,650 |
| Return on Equity (ROE) | 2.8414% | 4,483 |
| Retained earnings to average equity (ytd only) | -0.1722% | 4,579 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9781% | 230 |
| Assets per employee ($millions) | 2.3546% | 4,824 |
| Cash dividends to net income (ytd only)* | 106.0606% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,728 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,049 |
| Noncurrent loans to loans | 0.0418% | 3,909 |
| Net loans and leases to total assets | 50.2681% | 3,381 |
| Net loans and leases to deposits | 54.7658% | 3,674 |
| Net loans and leases to core deposits | 55.5692% | 3,806 |
| Total domestic deposits to total assets | 91.7874% | 165 |
| Equity capital to assets | 8.1966% | 4,410 |
| Core capital (leverage) ratio | 7.9108% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0435% | 1,956 |
| Memoranda: | ||
| Average total assets | $19,111,500 | 4,883 |
| Average earning assets | $17,025,000 | 4,871 |
| Average equity | $1,548,500 | 4,901 |
| Average total loans | $9,601,250 | 4,806 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 2,523 |
| Cost of funding earning assets | 0.0818% | 4,691 |
| Net interest margin | 3.5503% | 1,711 |
| Noninterest income to average assets | 0.5937% | 2,247 |
| Noninterest expense to average assets | 3.5307% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2291% | 4,606 |
| Return on assets (ROA) | 0.2291% | 4,619 |
| Pretax return on assets | 0.2291% | 4,652 |
| Return on Equity (ROE) | 2.8387% | 4,502 |
| Retained earnings to average equity (ytd only) | -0.7742% | 4,585 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9058% | 257 |
| Assets per employee ($millions) | 2.4753% | 4,853 |
| Cash dividends to net income (ytd only)* | 127.2727% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,695 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,147 |
| Noncurrent loans to loans | 0.0418% | 3,983 |
| Net loans and leases to total assets | 47.7831% | 3,746 |
| Net loans and leases to deposits | 51.8324% | 4,006 |
| Net loans and leases to core deposits | 52.5521% | 4,103 |
| Total domestic deposits to total assets | 92.1877% | 94 |
| Equity capital to assets | 7.7921% | 4,636 |
| Core capital (leverage) ratio | 7.7360% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7461% | 2,074 |
| Memoranda: | ||
| Average total assets | $19,203,000 | 4,918 |
| Average earning assets | $17,125,333 | 4,906 |
| Average equity | $1,550,000 | 4,937 |
| Average total loans | $9,612,333 | 4,844 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 2,313 |
| Cost of funding earning assets | 0.0715% | 4,790 |
| Net interest margin | 3.6487% | 1,451 |
| Noninterest income to average assets | 0.5925% | 2,243 |
| Noninterest expense to average assets | 3.5337% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2962% | 4,523 |
| Return on assets (ROA) | 0.2962% | 4,559 |
| Pretax return on assets | 0.2962% | 4,606 |
| Return on Equity (ROE) | 3.6048% | 4,358 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,366 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2652% | 322 |
| Assets per employee ($millions) | 2.4363% | 4,883 |
| Cash dividends to net income (ytd only)* | 100.0000% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,764 |
| 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 | 49.2099% | 3,694 |
| Net loans and leases to deposits | 53.4824% | 3,976 |
| Net loans and leases to core deposits | 53.4824% | 4,120 |
| Total domestic deposits to total assets | 92.0113% | 140 |
| Equity capital to assets | 7.9631% | 4,513 |
| Core capital (leverage) ratio | 8.2766% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6276% | 2,031 |
| Memoranda: | ||
| Average total assets | $18,903,500 | 4,946 |
| Average earning assets | $16,773,000 | 4,936 |
| Average equity | $1,553,500 | 4,964 |
| Average total loans | $9,638,000 | 4,868 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5613% | 1,177 |
| Cost of funding earning assets | 0.1281% | 4,793 |
| Net interest margin | 4.4332% | 372 |
| Noninterest income to average assets | 0.7505% | 1,688 |
| Noninterest expense to average assets | 4.0537% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6311% | 3,648 |
| Return on assets (ROA) | 0.6311% | 3,777 |
| Pretax return on assets | 0.6311% | 4,018 |
| Return on Equity (ROE) | 7.0620% | 3,187 |
| Retained earnings to average equity (ytd only) | -1.9723% | 4,702 |
| Net charge-offs to loans | -0.0099% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5291% | 511 |
| Assets per employee ($millions) | 2.2896% | 4,906 |
| Cash dividends to net income (ytd only)* | 127.9279% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,747 |
| Loan loss allowance to noncurrent loans | 430.4348% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 3,656 |
| Noncurrent loans to loans | 0.2399% | 3,335 |
| Net loans and leases to total assets | 51.7934% | 3,678 |
| Net loans and leases to deposits | 56.6084% | 3,960 |
| Net loans and leases to core deposits | 56.6084% | 4,122 |
| Total domestic deposits to total assets | 91.4942% | 133 |
| Equity capital to assets | 8.4894% | 4,448 |
| Core capital (leverage) ratio | 8.7140% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0715% | 1,829 |
| Memoranda: | ||
| Average total assets | $17,588,800 | 4,970 |
| Average earning assets | $15,609,600 | 4,963 |
| Average equity | $1,571,800 | 4,983 |
| Average total loans | $10,082,600 | 4,891 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 976 |
| Cost of funding earning assets | 0.1469% | 4,807 |
| Net interest margin | 4.5962% | 309 |
| Noninterest income to average assets | 0.5898% | 2,215 |
| Noninterest expense to average assets | 3.9294% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7353% | 3,336 |
| Return on assets (ROA) | 0.7353% | 3,438 |
| Pretax return on assets | 0.7353% | 3,810 |
| Return on Equity (ROE) | 8.1216% | 2,763 |
| Retained earnings to average equity (ytd only) | -2.8764% | 4,765 |
| Net charge-offs to loans | -0.0131% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2365% | 588 |
| Assets per employee ($millions) | 2.1811% | 4,945 |
| Cash dividends to net income (ytd only)* | 135.4167% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,727 |
| 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 | 56.4732% | 3,579 |
| Net loans and leases to deposits | 62.0099% | 3,930 |
| Net loans and leases to core deposits | 62.0099% | 4,106 |
| Total domestic deposits to total assets | 91.0711% | 158 |
| Equity capital to assets | 8.9060% | 4,181 |
| Core capital (leverage) ratio | 8.6991% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3156% | 2,061 |
| Memoranda: | ||
| Average total assets | $17,406,750 | 5,001 |
| Average earning assets | $15,432,750 | 4,994 |
| Average equity | $1,576,000 | 5,015 |
| Average total loans | $10,206,750 | 4,923 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 935 |
| Cost of funding earning assets | 0.1702% | 4,834 |
| Net interest margin | 4.7528% | 305 |
| Noninterest income to average assets | 0.7589% | 1,554 |
| Noninterest expense to average assets | 3.9787% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9544% | 2,476 |
| Return on assets (ROA) | 0.9544% | 2,606 |
| Pretax return on assets | 0.9544% | 3,167 |
| Return on Equity (ROE) | 10.4842% | 1,816 |
| Retained earnings to average equity (ytd only) | -2.1474% | 4,602 |
| Net charge-offs to loans | -0.0194% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6527% | 843 |
| Assets per employee ($millions) | 1.4883% | 5,015 |
| Cash dividends to net income (ytd only)* | 120.4819% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 739 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 56.8533% | 3,621 |
| Net loans and leases to deposits | 62.3672% | 3,984 |
| Net loans and leases to core deposits | 62.3672% | 4,162 |
| Total domestic deposits to total assets | 91.1590% | 121 |
| Equity capital to assets | 8.8186% | 4,244 |
| Core capital (leverage) ratio | 8.9121% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1697% | 2,110 |
| Memoranda: | ||
| Average total assets | $17,392,667 | 5,033 |
| Average earning assets | $15,275,333 | 5,028 |
| Average equity | $1,583,333 | 5,048 |
| Average total loans | $10,291,333 | 4,955 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 563 |
| Cost of funding earning assets | 0.1869% | 4,913 |
| Net interest margin | 5.1006% | 165 |
| Noninterest income to average assets | 0.8625% | 1,140 |
| Noninterest expense to average assets | 4.1727% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1423% | 1,713 |
| Return on assets (ROA) | 1.1423% | 1,817 |
| Pretax return on assets | 1.1423% | 2,385 |
| Return on Equity (ROE) | 12.3465% | 1,021 |
| Retained earnings to average equity (ytd only) | -0.5039% | 4,076 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5088% | 1,281 |
| Assets per employee ($millions) | 1.4167% | 5,059 |
| Cash dividends to net income (ytd only)* | 104.0816% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 3,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4235% | 779 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 60.1647% | 3,477 |
| Net loans and leases to deposits | 66.3811% | 3,842 |
| Net loans and leases to core deposits | 66.3811% | 4,062 |
| Total domestic deposits to total assets | 90.6353% | 161 |
| Equity capital to assets | 9.3294% | 4,369 |
| Core capital (leverage) ratio | 9.0762% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5075% | 2,072 |
| Memoranda: | ||
| Average total assets | $17,159,000 | 5,083 |
| Average earning assets | $14,978,500 | 5,078 |
| Average equity | $1,587,500 | 5,095 |
| Average total loans | $10,310,500 | 4,991 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7326% | 376 |
| Cost of funding earning assets | 0.1619% | 5,030 |
| Net interest margin | 5.5708% | 106 |
| Noninterest income to average assets | 1.2266% | 622 |
| Noninterest expense to average assets | 4.5637% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6295% | 781 |
| Return on assets (ROA) | 1.6295% | 833 |
| Pretax return on assets | 1.6295% | 1,402 |
| Return on Equity (ROE) | 16.9885% | 423 |
| Retained earnings to average equity (ytd only) | 0.5642% | 4,529 |
| Net charge-offs to loans | 0.0277% | 2,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 732 |
| Efficiency ratio | 73.6893% | 1,639 |
| Assets per employee ($millions) | 1.4432% | 5,115 |
| Cash dividends to net income (ytd only)* | 96.6790% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 3,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3974% | 755 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 58.8809% | 3,680 |
| Net loans and leases to deposits | 64.8458% | 4,017 |
| Net loans and leases to core deposits | 64.8458% | 4,246 |
| Total domestic deposits to total assets | 90.8015% | 144 |
| Equity capital to assets | 9.1754% | 4,590 |
| Core capital (leverage) ratio | 9.1981% | 4,360 |
| Tier 1 risk-based capital ratio | 13.0151% | 3,784 |
| Total risk-based capital ratio | 13.8244% | 3,909 |
| Memoranda: | ||
| Average total assets | $16,631,200 | 5,143 |
| Average earning assets | $14,827,400 | 5,137 |
| Average equity | $1,595,200 | 5,156 |
| Average total loans | $10,842,600 | 5,045 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 391 |
| Cost of funding earning assets | 0.1625% | 5,099 |
| Net interest margin | 5.5801% | 106 |
| Noninterest income to average assets | 1.2556% | 578 |
| Noninterest expense to average assets | 4.4795% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7821% | 635 |
| Return on assets (ROA) | 1.7821% | 667 |
| Pretax return on assets | 1.7821% | 1,136 |
| Return on Equity (ROE) | 18.3704% | 362 |
| Retained earnings to average equity (ytd only) | 3.0061% | 3,883 |
| Net charge-offs to loans | 0.0243% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 109.8614% | 698 |
| Efficiency ratio | 71.5395% | 1,895 |
| Assets per employee ($millions) | 1.3944% | 5,195 |
| Cash dividends to net income (ytd only)* | 83.6362% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 3,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8108% | 545 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.0431% | 3,383 |
| Net loans and leases to deposits | 69.8008% | 3,779 |
| Net loans and leases to core deposits | 69.8008% | 4,069 |
| Total domestic deposits to total assets | 90.3185% | 208 |
| Equity capital to assets | 9.6516% | 4,334 |
| Core capital (leverage) ratio | 9.6543% | 4,019 |
| Tier 1 risk-based capital ratio | 13.4198% | 3,622 |
| Total risk-based capital ratio | 14.2486% | 3,749 |
| Memoranda: | ||
| Average total assets | $16,459,500 | 5,223 |
| Average earning assets | $14,766,500 | 5,215 |
| Average equity | $1,596,750 | 5,234 |
| Average total loans | $10,979,500 | 5,123 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7116% | 395 |
| Cost of funding earning assets | 0.1636% | 5,137 |
| Net interest margin | 5.5480% | 118 |
| Noninterest income to average assets | 1.3318% | 496 |
| Noninterest expense to average assets | 4.5698% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7351% | 678 |
| Return on assets (ROA) | 1.7351% | 710 |
| Pretax return on assets | 1.7351% | 1,201 |
| Return on Equity (ROE) | 17.8541% | 389 |
| Retained earnings to average equity (ytd only) | 3.1433% | 3,651 |
| Net charge-offs to loans | 0.0361% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 885 |
| Efficiency ratio | 72.4806% | 1,846 |
| Assets per employee ($millions) | 1.3674% | 5,243 |
| Cash dividends to net income (ytd only)* | 82.3944% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 3,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 766 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 64.6962% | 3,269 |
| Net loans and leases to deposits | 71.7249% | 3,709 |
| Net loans and leases to core deposits | 71.7249% | 4,025 |
| Total domestic deposits to total assets | 90.2005% | 282 |
| Equity capital to assets | 9.7751% | 4,162 |
| Core capital (leverage) ratio | 9.6281% | 4,001 |
| Tier 1 risk-based capital ratio | 13.2999% | 3,692 |
| Total risk-based capital ratio | 14.1270% | 3,806 |
| Memoranda: | ||
| Average total assets | $16,368,330 | 5,270 |
| Average earning assets | $14,672,000 | 5,262 |
| Average equity | $1,590,670 | 5,279 |
| Average total loans | $11,090,000 | 5,164 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 389 |
| Cost of funding earning assets | 0.1647% | 5,191 |
| Net interest margin | 5.4909% | 126 |
| Noninterest income to average assets | 1.4436% | 413 |
| Noninterest expense to average assets | 4.5021% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8351% | 522 |
| Return on assets (ROA) | 1.8351% | 536 |
| Pretax return on assets | 1.8351% | 899 |
| Return on Equity (ROE) | 18.9394% | 332 |
| Retained earnings to average equity (ytd only) | 8.0808% | 1,629 |
| Net charge-offs to loans | 0.0709% | 1,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,198 |
| Efficiency ratio | 71.0425% | 2,181 |
| Assets per employee ($millions) | 1.3893% | 5,305 |
| Cash dividends to net income (ytd only)* | 57.3333% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4516% | 842 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.1208% | 3,035 |
| Net loans and leases to deposits | 73.1842% | 3,517 |
| Net loans and leases to core deposits | 73.1842% | 3,849 |
| Total domestic deposits to total assets | 90.3485% | 337 |
| Equity capital to assets | 9.6215% | 4,155 |
| Core capital (leverage) ratio | 9.7352% | 3,883 |
| Tier 1 risk-based capital ratio | 13.0488% | 3,852 |
| Total risk-based capital ratio | 13.8567% | 3,976 |
| Memoranda: | ||
| Average total assets | $16,348,000 | 5,327 |
| Average earning assets | $14,569,500 | 5,317 |
| Average equity | $1,584,000 | 5,339 |
| Average total loans | $11,277,500 | 5,221 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 392 |
| Cost of funding earning assets | 0.1695% | 5,119 |
| Net interest margin | 5.3369% | 149 |
| Noninterest income to average assets | 1.2439% | 603 |
| Noninterest expense to average assets | 4.4986% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4975% | 1,127 |
| Return on assets (ROA) | 1.4975% | 1,112 |
| Pretax return on assets | 1.4975% | 1,794 |
| Return on Equity (ROE) | 15.7161% | 684 |
| Retained earnings to average equity (ytd only) | -0.0634% | 4,992 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0252% | 1,493 |
| Assets per employee ($millions) | 1.3354% | 5,352 |
| Cash dividends to net income (ytd only)* | 100.4032% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5101% | 780 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.7145% | 2,456 |
| Net loans and leases to deposits | 78.3788% | 3,124 |
| Net loans and leases to core deposits | 78.3788% | 3,546 |
| Total domestic deposits to total assets | 90.2215% | 407 |
| Equity capital to assets | 9.7598% | 3,895 |
| Core capital (leverage) ratio | 9.7365% | 3,872 |
| Tier 1 risk-based capital ratio | 12.5070% | 4,133 |
| Total risk-based capital ratio | 13.3131% | 4,271 |
| Memoranda: | ||
| Average total assets | $16,560,800 | 5,369 |
| Average earning assets | $14,746,400 | 5,361 |
| Average equity | $1,578,000 | 5,381 |
| Average total loans | $11,459,800 | 5,260 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 399 |
| Cost of funding earning assets | 0.1702% | 5,141 |
| Net interest margin | 5.2842% | 153 |
| Noninterest income to average assets | 1.2299% | 637 |
| Noninterest expense to average assets | 4.3046% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6372% | 875 |
| Return on assets (ROA) | 1.6372% | 882 |
| Pretax return on assets | 1.6372% | 1,461 |
| Return on Equity (ROE) | 17.2830% | 510 |
| Retained earnings to average equity (ytd only) | 2.6133% | 4,365 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4462% | 1,817 |
| Assets per employee ($millions) | 1.3448% | 5,421 |
| Cash dividends to net income (ytd only)* | 84.8754% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 852 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.7437% | 2,368 |
| Net loans and leases to deposits | 79.6012% | 3,078 |
| Net loans and leases to core deposits | 79.6012% | 3,530 |
| Total domestic deposits to total assets | 90.1289% | 469 |
| Equity capital to assets | 9.8401% | 3,789 |
| Core capital (leverage) ratio | 9.7310% | 3,917 |
| Tier 1 risk-based capital ratio | 12.0144% | 4,498 |
| Total risk-based capital ratio | 12.7733% | 4,661 |
| Memoranda: | ||
| Average total assets | $16,694,750 | 5,438 |
| Average earning assets | $14,886,750 | 5,431 |
| Average equity | $1,581,500 | 5,452 |
| Average total loans | $11,466,500 | 5,325 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 418 |
| Cost of funding earning assets | 0.1729% | 5,136 |
| Net interest margin | 5.1875% | 172 |
| Noninterest income to average assets | 1.2204% | 649 |
| Noninterest expense to average assets | 4.3127% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5284% | 1,083 |
| Return on assets (ROA) | 1.5284% | 1,083 |
| Pretax return on assets | 1.5284% | 1,716 |
| Return on Equity (ROE) | 16.3360% | 608 |
| Retained earnings to average equity (ytd only) | 2.1528% | 4,412 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8337% | 1,729 |
| Assets per employee ($millions) | 1.4225% | 5,478 |
| Cash dividends to net income (ytd only)* | 86.8217% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 4,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 965 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.1798% | 2,694 |
| Net loans and leases to deposits | 76.2658% | 3,300 |
| Net loans and leases to core deposits | 76.2658% | 3,725 |
| Total domestic deposits to total assets | 90.7088% | 325 |
| Equity capital to assets | 9.2619% | 4,322 |
| Core capital (leverage) ratio | 9.3055% | 4,358 |
| Tier 1 risk-based capital ratio | 12.1652% | 4,391 |
| Total risk-based capital ratio | 12.9404% | 4,569 |
| Memoranda: | ||
| Average total assets | $16,880,330 | 5,501 |
| Average earning assets | $15,036,000 | 5,494 |
| Average equity | $1,579,330 | 5,514 |
| Average total loans | $11,395,670 | 5,388 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2674% | 433 |
| Cost of funding earning assets | 0.1604% | 5,222 |
| Net interest margin | 5.1070% | 192 |
| Noninterest income to average assets | 1.2630% | 581 |
| Noninterest expense to average assets | 4.2179% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5966% | 867 |
| Return on assets (ROA) | 1.5966% | 866 |
| Pretax return on assets | 1.5966% | 1,406 |
| Return on Equity (ROE) | 16.9781% | 513 |
| Retained earnings to average equity (ytd only) | 5.5749% | 2,917 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5410% | 2,117 |
| Assets per employee ($millions) | 1.4292% | 5,545 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 1,021 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 65.7376% | 3,076 |
| Net loans and leases to deposits | 72.4504% | 3,557 |
| Net loans and leases to core deposits | 72.4504% | 3,921 |
| Total domestic deposits to total assets | 90.7347% | 404 |
| Equity capital to assets | 9.2420% | 4,326 |
| Core capital (leverage) ratio | 9.4278% | 4,149 |
| Tier 1 risk-based capital ratio | 12.5582% | 4,208 |
| Total risk-based capital ratio | 13.3560% | 4,380 |
| Memoranda: | ||
| Average total assets | $16,785,500 | 5,567 |
| Average earning assets | $14,960,000 | 5,559 |
| Average equity | $1,578,500 | 5,575 |
| Average total loans | $11,138,500 | 5,448 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 278 |
| Cost of funding earning assets | 0.2226% | 4,769 |
| Net interest margin | 5.2407% | 158 |
| Noninterest income to average assets | 1.3496% | 576 |
| Noninterest expense to average assets | 4.4667% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5227% | 763 |
| Return on assets (ROA) | 1.5227% | 770 |
| Pretax return on assets | 1.5227% | 1,555 |
| Return on Equity (ROE) | 15.9774% | 487 |
| Retained earnings to average equity (ytd only) | 0.0627% | 4,978 |
| Net charge-offs to loans | 0.1059% | 2,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,919 |
| Efficiency ratio | 74.5763% | 1,815 |
| Assets per employee ($millions) | 1.3684% | 5,610 |
| Cash dividends to net income (ytd only)* | 99.6078% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 938 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.7755% | 3,128 |
| Net loans and leases to deposits | 72.7536% | 3,622 |
| Net loans and leases to core deposits | 72.7536% | 3,990 |
| Total domestic deposits to total assets | 90.4086% | 429 |
| Equity capital to assets | 9.5731% | 4,166 |
| Core capital (leverage) ratio | 9.4606% | 4,095 |
| Tier 1 risk-based capital ratio | 12.9662% | 3,926 |
| Total risk-based capital ratio | 13.8014% | 4,076 |
| Memoranda: | ||
| Average total assets | $16,746,200 | 5,630 |
| Average earning assets | $14,826,400 | 5,623 |
| Average equity | $1,596,000 | 5,638 |
| Average total loans | $11,333,400 | 5,512 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4533% | 272 |
| Cost of funding earning assets | 0.2146% | 4,850 |
| Net interest margin | 5.2388% | 158 |
| Noninterest income to average assets | 1.0776% | 877 |
| Noninterest expense to average assets | 4.0647% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6560% | 632 |
| Return on assets (ROA) | 1.6560% | 651 |
| Pretax return on assets | 1.6560% | 1,229 |
| Return on Equity (ROE) | 17.3945% | 384 |
| Retained earnings to average equity (ytd only) | 2.9963% | 4,131 |
| Net charge-offs to loans | 0.1515% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.0796% | 2,186 |
| Efficiency ratio | 71.0526% | 2,357 |
| Assets per employee ($millions) | 1.4198% | 5,672 |
| Cash dividends to net income (ytd only)* | 82.7747% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4204% | 1,092 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.8117% | 3,130 |
| Net loans and leases to deposits | 74.7434% | 3,497 |
| Net loans and leases to core deposits | 74.7434% | 3,911 |
| Total domestic deposits to total assets | 88.0502% | 1,337 |
| Equity capital to assets | 9.5786% | 4,366 |
| Core capital (leverage) ratio | 9.5150% | 4,146 |
| Tier 1 risk-based capital ratio | 12.9389% | 4,055 |
| Total risk-based capital ratio | 13.7461% | 4,237 |
| Memoranda: | ||
| Average total assets | $16,827,500 | 5,694 |
| Average earning assets | $14,914,000 | 5,687 |
| Average equity | $1,602,000 | 5,705 |
| Average total loans | $11,441,250 | 5,573 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 293 |
| Cost of funding earning assets | 0.2288% | 4,727 |
| Net interest margin | 5.1407% | 174 |
| Noninterest income to average assets | 1.0264% | 964 |
| Noninterest expense to average assets | 4.0579% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5277% | 818 |
| Return on assets (ROA) | 1.5277% | 841 |
| Pretax return on assets | 1.5277% | 1,552 |
| Return on Equity (ROE) | 16.0804% | 520 |
| Retained earnings to average equity (ytd only) | 2.5126% | 4,183 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6496% | 2,241 |
| Assets per employee ($millions) | 1.4110% | 5,725 |
| Cash dividends to net income (ytd only)* | 84.3750% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 4,189 |
| Loan loss allowance to noncurrent loans | 128.4091% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 665 |
| Noncurrent loans to loans | 0.7729% | 2,471 |
| Net loans and leases to total assets | 66.5722% | 3,024 |
| Net loans and leases to deposits | 75.5851% | 3,389 |
| Net loans and leases to core deposits | 75.5851% | 3,810 |
| Total domestic deposits to total assets | 88.0758% | 1,418 |
| Equity capital to assets | 9.5382% | 4,373 |
| Core capital (leverage) ratio | 9.5594% | 4,061 |
| Tier 1 risk-based capital ratio | 11.9446% | 4,665 |
| Total risk-based capital ratio | 12.7956% | 4,822 |
| Memoranda: | ||
| Average total assets | $16,757,330 | 5,744 |
| Average earning assets | $14,861,670 | 5,736 |
| Average equity | $1,592,000 | 5,757 |
| Average total loans | $11,484,000 | 5,619 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 289 |
| Cost of funding earning assets | 0.2158% | 4,838 |
| Net interest margin | 5.1519% | 166 |
| Noninterest income to average assets | 1.0558% | 901 |
| Noninterest expense to average assets | 4.1512% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4877% | 833 |
| Return on assets (ROA) | 1.4877% | 862 |
| Pretax return on assets | 1.4877% | 1,579 |
| Return on Equity (ROE) | 15.6912% | 569 |
| Retained earnings to average equity (ytd only) | 4.0494% | 3,436 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6170% | 2,295 |
| Assets per employee ($millions) | 1.4013% | 5,793 |
| Cash dividends to net income (ytd only)* | 74.1935% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 4,408 |
| Loan loss allowance to noncurrent loans | 136.1446% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.9328% | 696 |
| Noncurrent loans to loans | 0.7181% | 2,700 |
| Net loans and leases to total assets | 68.0642% | 2,671 |
| Net loans and leases to deposits | 77.2789% | 3,050 |
| Net loans and leases to core deposits | 77.2789% | 3,535 |
| Total domestic deposits to total assets | 88.0761% | 1,677 |
| Equity capital to assets | 9.5094% | 4,278 |
| Core capital (leverage) ratio | 9.5416% | 4,067 |
| Tier 1 risk-based capital ratio | 12.3305% | 4,491 |
| Total risk-based capital ratio | 13.2112% | 4,644 |
| Memoranda: | ||
| Average total assets | $16,670,000 | 5,815 |
| Average earning assets | $14,829,500 | 5,805 |
| Average equity | $1,580,500 | 5,823 |
| Average total loans | $11,533,500 | 5,680 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3969% | 296 |
| Cost of funding earning assets | 0.1875% | 5,135 |
| Net interest margin | 5.2094% | 168 |
| Noninterest income to average assets | 1.2923% | 682 |
| Noninterest expense to average assets | 4.3017% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7110% | 530 |
| Return on assets (ROA) | 1.7110% | 556 |
| Pretax return on assets | 1.7110% | 972 |
| Return on Equity (ROE) | 17.6603% | 351 |
| Retained earnings to average equity (ytd only) | -0.5636% | 5,390 |
| Net charge-offs to loans | -0.0085% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5439% | 2,660 |
| Assets per employee ($millions) | 1.3771% | 5,850 |
| Cash dividends to net income (ytd only)* | 103.1915% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,427 |
| Loan loss allowance to noncurrent loans | 139.5062% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 713 |
| Noncurrent loans to loans | 0.7038% | 2,777 |
| Net loans and leases to total assets | 68.9622% | 2,628 |
| Net loans and leases to deposits | 80.4234% | 2,845 |
| Net loans and leases to core deposits | 81.8737% | 3,219 |
| Total domestic deposits to total assets | 85.7489% | 2,701 |
| Equity capital to assets | 9.4523% | 4,321 |
| Core capital (leverage) ratio | 9.8484% | 3,691 |
| Tier 1 risk-based capital ratio | 12.3853% | 4,454 |
| Total risk-based capital ratio | 13.2790% | 4,593 |
| Memoranda: | ||
| Average total assets | $16,482,000 | 5,872 |
| Average earning assets | $14,934,400 | 5,861 |
| Average equity | $1,596,800 | 5,885 |
| Average total loans | $11,708,600 | 5,734 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 302 |
| Cost of funding earning assets | 0.1953% | 5,118 |
| Net interest margin | 5.1946% | 172 |
| Noninterest income to average assets | 1.2870% | 701 |
| Noninterest expense to average assets | 4.1202% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9023% | 398 |
| Return on assets (ROA) | 1.9023% | 422 |
| Pretax return on assets | 1.9023% | 706 |
| Return on Equity (ROE) | 19.5160% | 266 |
| Retained earnings to average equity (ytd only) | 2.5743% | 4,366 |
| Net charge-offs to loans | -0.0113% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4140% | 3,155 |
| Assets per employee ($millions) | 1.3604% | 5,918 |
| Cash dividends to net income (ytd only)* | 86.8062% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4824% | 1,217 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.5666% | 2,413 |
| Net loans and leases to deposits | 81.1325% | 2,838 |
| Net loans and leases to core deposits | 81.1325% | 3,345 |
| Total domestic deposits to total assets | 86.9770% | 1,910 |
| Equity capital to assets | 9.9357% | 4,197 |
| Core capital (leverage) ratio | 9.9683% | 3,612 |
| Tier 1 risk-based capital ratio | 12.6626% | 4,364 |
| Total risk-based capital ratio | 13.5536% | 4,508 |
| Memoranda: | ||
| Average total assets | $16,471,250 | 5,938 |
| Average earning assets | $15,015,250 | 5,925 |
| Average equity | $1,605,500 | 5,950 |
| Average total loans | $11,758,500 | 5,797 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 310 |
| Cost of funding earning assets | 0.1987% | 5,160 |
| Net interest margin | 5.1800% | 175 |
| Noninterest income to average assets | 1.3075% | 669 |
| Noninterest expense to average assets | 4.2494% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7918% | 480 |
| Return on assets (ROA) | 1.7918% | 509 |
| Pretax return on assets | 1.7918% | 896 |
| Return on Equity (ROE) | 18.5000% | 329 |
| Retained earnings to average equity (ytd only) | 1.3750% | 4,833 |
| Net charge-offs to loans | -0.0169% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3407% | 2,927 |
| Assets per employee ($millions) | 1.3601% | 5,994 |
| Cash dividends to net income (ytd only)* | 92.5676% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 4,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 1,292 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 71.4172% | 2,259 |
| Net loans and leases to deposits | 81.0176% | 2,815 |
| Net loans and leases to core deposits | 81.0176% | 3,365 |
| Total domestic deposits to total assets | 88.1502% | 1,354 |
| Equity capital to assets | 9.8523% | 4,387 |
| Core capital (leverage) ratio | 9.7841% | 3,830 |
| Tier 1 risk-based capital ratio | 12.4421% | 4,563 |
| Total risk-based capital ratio | 13.3286% | 4,698 |
| Memoranda: | ||
| Average total assets | $16,520,000 | 6,014 |
| Average earning assets | $15,096,670 | 6,002 |
| Average equity | $1,600,000 | 6,026 |
| Average total loans | $11,800,330 | 5,867 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 297 |
| Cost of funding earning assets | 0.1851% | 5,326 |
| Net interest margin | 5.2079% | 178 |
| Noninterest income to average assets | 1.3719% | 589 |
| Noninterest expense to average assets | 4.1638% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9495% | 367 |
| Return on assets (ROA) | 1.9495% | 389 |
| Pretax return on assets | 1.9495% | 628 |
| Return on Equity (ROE) | 20.3008% | 224 |
| Retained earnings to average equity (ytd only) | 6.2657% | 2,250 |
| Net charge-offs to loans | -0.0339% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1102% | 3,451 |
| Assets per employee ($millions) | 1.3743% | 6,058 |
| Cash dividends to net income (ytd only)* | 69.1358% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4674% | 1,403 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.4766% | 2,270 |
| Net loans and leases to deposits | 78.1799% | 2,990 |
| Net loans and leases to core deposits | 79.5224% | 3,363 |
| Total domestic deposits to total assets | 90.1467% | 540 |
| Equity capital to assets | 9.7926% | 4,350 |
| Core capital (leverage) ratio | 9.6229% | 4,009 |
| Tier 1 risk-based capital ratio | 11.8527% | 5,007 |
| Total risk-based capital ratio | 12.6898% | 5,166 |
| Memoranda: | ||
| Average total assets | $16,619,500 | 6,075 |
| Average earning assets | $15,131,000 | 6,061 |
| Average equity | $1,596,000 | 6,086 |
| Average total loans | $11,816,000 | 5,923 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 337 |
| Cost of funding earning assets | 0.1822% | 5,427 |
| Net interest margin | 5.1872% | 188 |
| Noninterest income to average assets | 1.3898% | 627 |
| Noninterest expense to average assets | 4.3679% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8170% | 473 |
| Return on assets (ROA) | 1.8170% | 483 |
| Pretax return on assets | 1.8170% | 782 |
| Return on Equity (ROE) | 19.1357% | 294 |
| Retained earnings to average equity (ytd only) | 0.6970% | 5,237 |
| Net charge-offs to loans | 0.1656% | 1,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.8947% | 2,173 |
| Efficiency ratio | 70.6226% | 3,121 |
| Assets per employee ($millions) | 1.3956% | 6,114 |
| Cash dividends to net income (ytd only)* | 96.3576% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,872 |
| 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 | 70.3589% | 2,315 |
| Net loans and leases to deposits | 81.7696% | 2,620 |
| Net loans and leases to core deposits | 81.7696% | 3,173 |
| Total domestic deposits to total assets | 86.0453% | 2,618 |
| Equity capital to assets | 9.4166% | 4,651 |
| Core capital (leverage) ratio | 10.0370% | 3,462 |
| Tier 1 risk-based capital ratio | 11.7792% | 5,086 |
| Total risk-based capital ratio | 12.6243% | 5,223 |
| Memoranda: | ||
| Average total assets | $16,621,200 | 6,134 |
| Average earning assets | $15,364,800 | 6,121 |
| Average equity | $1,578,200 | 6,143 |
| Average total loans | $11,474,200 | 5,981 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4101% | 312 |
| Cost of funding earning assets | 0.1818% | 5,534 |
| Net interest margin | 5.2284% | 175 |
| Noninterest income to average assets | 1.3502% | 672 |
| Noninterest expense to average assets | 4.2354% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9690% | 384 |
| Return on assets (ROA) | 1.9690% | 396 |
| Pretax return on assets | 1.9690% | 638 |
| Return on Equity (ROE) | 20.6943% | 236 |
| Retained earnings to average equity (ytd only) | 3.7168% | 3,828 |
| Net charge-offs to loans | 0.1524% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.8494% | 1,979 |
| Efficiency ratio | 68.2642% | 3,492 |
| Assets per employee ($millions) | 1.2885% | 6,207 |
| Cash dividends to net income (ytd only)* | 82.0394% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 4,382 |
| 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 | 71.1034% | 2,217 |
| Net loans and leases to deposits | 79.4192% | 2,943 |
| Net loans and leases to core deposits | 80.8858% | 3,352 |
| Total domestic deposits to total assets | 89.5292% | 760 |
| Equity capital to assets | 10.3609% | 3,745 |
| Core capital (leverage) ratio | 9.9653% | 3,684 |
| Tier 1 risk-based capital ratio | 13.6102% | 4,077 |
| Total risk-based capital ratio | 14.6168% | 4,133 |
| Memoranda: | ||
| Average total assets | $16,589,750 | 6,218 |
| Average earning assets | $15,402,750 | 6,203 |
| Average equity | $1,578,500 | 6,229 |
| Average total loans | $11,368,750 | 6,062 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 364 |
| Cost of funding earning assets | 0.1780% | 5,627 |
| Net interest margin | 5.1122% | 206 |
| Noninterest income to average assets | 1.2496% | 778 |
| Noninterest expense to average assets | 4.1613% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8272% | 488 |
| Return on assets (ROA) | 1.8272% | 511 |
| Pretax return on assets | 1.8272% | 848 |
| Return on Equity (ROE) | 19.7368% | 286 |
| Retained earnings to average equity (ytd only) | 4.0747% | 3,430 |
| Net charge-offs to loans | 0.2794% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.6875% | 2,428 |
| Efficiency ratio | 69.4882% | 3,419 |
| Assets per employee ($millions) | 1.3711% | 6,280 |
| Cash dividends to net income (ytd only)* | 79.3548% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 4,731 |
| Loan loss allowance to noncurrent loans | 1,054.5455% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 5,602 |
| Noncurrent loans to loans | 0.0973% | 5,350 |
| Net loans and leases to total assets | 67.9937% | 2,644 |
| Net loans and leases to deposits | 75.2320% | 3,356 |
| Net loans and leases to core deposits | 76.5237% | 3,716 |
| Total domestic deposits to total assets | 90.3787% | 507 |
| Equity capital to assets | 9.5970% | 4,540 |
| Core capital (leverage) ratio | 9.5093% | 4,267 |
| Tier 1 risk-based capital ratio | 13.0794% | 4,472 |
| Total risk-based capital ratio | 14.0295% | 4,552 |
| Memoranda: | ||
| Average total assets | $16,965,670 | 6,289 |
| Average earning assets | $15,727,000 | 6,276 |
| Average equity | $1,570,670 | 6,303 |
| Average total loans | $11,454,000 | 6,129 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 398 |
| Cost of funding earning assets | 0.1763% | 5,707 |
| Net interest margin | 5.0381% | 236 |
| Noninterest income to average assets | 1.0452% | 1,023 |
| Noninterest expense to average assets | 3.9252% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7652% | 516 |
| Return on assets (ROA) | 1.7652% | 543 |
| Pretax return on assets | 1.7652% | 926 |
| Return on Equity (ROE) | 19.4063% | 295 |
| Retained earnings to average equity (ytd only) | 7.1497% | 1,947 |
| Net charge-offs to loans | -0.0347% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9796% | 3,667 |
| Assets per employee ($millions) | 1.4498% | 6,340 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 4,342 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 5,850 |
| Noncurrent loans to loans | 0.0344% | 5,654 |
| Net loans and leases to total assets | 66.0574% | 2,754 |
| Net loans and leases to deposits | 72.7296% | 3,466 |
| Net loans and leases to core deposits | 73.9035% | 3,788 |
| Total domestic deposits to total assets | 90.8260% | 424 |
| Equity capital to assets | 9.1338% | 5,155 |
| Core capital (leverage) ratio | 9.2273% | 4,678 |
| Tier 1 risk-based capital ratio | 11.2795% | 5,678 |
| Total risk-based capital ratio | 12.2141% | 5,754 |
| Memoranda: | ||
| Average total assets | $17,222,000 | 6,352 |
| Average earning assets | $15,879,000 | 6,338 |
| Average equity | $1,566,500 | 6,371 |
| Average total loans | $11,529,500 | 6,191 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 675 |
| Cost of funding earning assets | 0.2202% | 5,591 |
| Net interest margin | 4.8508% | 396 |
| Noninterest income to average assets | 1.1699% | 881 |
| Noninterest expense to average assets | 4.2117% | 595 |
| Loan and lease loss provision to assets | 0.3995% | 443 |
| Net operating income to assets | 1.0843% | 2,042 |
| Return on assets (ROA) | 1.0843% | 2,091 |
| Pretax return on assets | 1.0843% | 3,149 |
| Return on Equity (ROE) | 12.3425% | 1,310 |
| Retained earnings to average equity (ytd only) | -1.0394% | 5,923 |
| Net charge-offs to loans | 0.6589% | 583 |
| Credit loss provision to net charge-offs | 95.8904% | 2,518 |
| Earnings coverage of net charge-offs (x) | 3.5616% | 3,859 |
| Efficiency ratio | 73.9479% | 2,846 |
| Assets per employee ($millions) | 1.4206% | 6,434 |
| Cash dividends to net income (ytd only)* | 108.4211% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 4,258 |
| Loan loss allowance to noncurrent loans | 628.5714% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 5,538 |
| Noncurrent loans to loans | 0.1836% | 5,173 |
| Net loans and leases to total assets | 66.3049% | 2,834 |
| Net loans and leases to deposits | 72.9320% | 3,563 |
| Net loans and leases to core deposits | 72.9320% | 4,035 |
| Total domestic deposits to total assets | 90.9134% | 400 |
| Equity capital to assets | 9.0573% | 5,226 |
| Core capital (leverage) ratio | 9.1217% | 4,791 |
| Tier 1 risk-based capital ratio | 12.3383% | 5,130 |
| Total risk-based capital ratio | 13.3796% | 5,186 |
| Memoranda: | ||
| Average total assets | $17,522,600 | 6,438 |
| Average earning assets | $16,347,800 | 6,419 |
| Average equity | $1,539,400 | 6,455 |
| Average total loans | $11,078,600 | 6,282 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 758 |
| Cost of funding earning assets | 0.2178% | 5,685 |
| Net interest margin | 4.7909% | 438 |
| Noninterest income to average assets | 1.1714% | 876 |
| Noninterest expense to average assets | 4.0585% | 714 |
| Loan and lease loss provision to assets | 0.5290% | 276 |
| Net operating income to assets | 1.0732% | 2,143 |
| Return on assets (ROA) | 1.0732% | 2,209 |
| Pretax return on assets | 1.0732% | 3,285 |
| Return on Equity (ROE) | 12.3081% | 1,397 |
| Retained earnings to average equity (ytd only) | -0.3465% | 5,856 |
| Net charge-offs to loans | 0.9464% | 334 |
| Credit loss provision to net charge-offs | 89.7436% | 2,438 |
| Earnings coverage of net charge-offs (x) | 2.7179% | 3,836 |
| Efficiency ratio | 71.6956% | 3,234 |
| Assets per employee ($millions) | 1.4190% | 6,513 |
| Cash dividends to net income (ytd only)* | 102.8152% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 4,682 |
| Loan loss allowance to noncurrent loans | 635.0000% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 5,696 |
| Noncurrent loans to loans | 0.1756% | 5,388 |
| Net loans and leases to total assets | 66.1264% | 2,846 |
| Net loans and leases to deposits | 72.8378% | 3,583 |
| Net loans and leases to core deposits | 72.8378% | 4,070 |
| Total domestic deposits to total assets | 90.7858% | 422 |
| Equity capital to assets | 9.1790% | 5,170 |
| Core capital (leverage) ratio | 8.9815% | 5,097 |
| Tier 1 risk-based capital ratio | 12.1989% | 5,372 |
| Total risk-based capital ratio | 13.1826% | 5,451 |
| Memoranda: | ||
| Average total assets | $17,641,500 | 6,516 |
| Average earning assets | $16,531,000 | 6,497 |
| Average equity | $1,538,250 | 6,531 |
| Average total loans | $10,989,500 | 6,359 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 872 |
| Cost of funding earning assets | 0.2271% | 5,684 |
| Net interest margin | 4.6973% | 489 |
| Noninterest income to average assets | 1.1655% | 854 |
| Noninterest expense to average assets | 4.0345% | 731 |
| Loan and lease loss provision to assets | 0.6164% | 230 |
| Net operating income to assets | 0.9190% | 2,709 |
| Return on assets (ROA) | 0.9190% | 2,812 |
| Pretax return on assets | 0.9190% | 3,813 |
| Return on Equity (ROE) | 10.7190% | 1,837 |
| Retained earnings to average equity (ytd only) | -3.2680% | 6,113 |
| Net charge-offs to loans | 1.1974% | 262 |
| Credit loss provision to net charge-offs | 84.6154% | 2,265 |
| Earnings coverage of net charge-offs (x) | 2.1077% | 3,634 |
| Efficiency ratio | 72.4346% | 3,255 |
| Assets per employee ($millions) | 1.5158% | 6,574 |
| Cash dividends to net income (ytd only)* | 130.4878% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,256 |
| Loan loss allowance to noncurrent loans | 2,083.3333% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,921 |
| Noncurrent loans to loans | 0.0592% | 5,858 |
| Net loans and leases to total assets | 54.9863% | 4,411 |
| Net loans and leases to deposits | 60.0649% | 4,861 |
| Net loans and leases to core deposits | 60.9841% | 5,055 |
| Total domestic deposits to total assets | 91.5448% | 253 |
| Equity capital to assets | 8.4167% | 5,870 |
| Core capital (leverage) ratio | 8.7717% | 5,303 |
| Tier 1 risk-based capital ratio | 11.9898% | 5,547 |
| Total risk-based capital ratio | 12.9542% | 5,638 |
| Memoranda: | ||
| Average total assets | $17,846,000 | 6,580 |
| Average earning assets | $16,733,000 | 6,560 |
| Average equity | $1,530,000 | 6,597 |
| Average total loans | $10,857,000 | 6,421 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 752 |
| Cost of funding earning assets | 0.2175% | 5,866 |
| Net interest margin | 4.7606% | 412 |
| Noninterest income to average assets | 1.1316% | 869 |
| Noninterest expense to average assets | 3.8475% | 921 |
| Loan and lease loss provision to assets | 0.7921% | 151 |
| Net operating income to assets | 0.9505% | 2,404 |
| Return on assets (ROA) | 0.9505% | 2,474 |
| Pretax return on assets | 0.9505% | 3,514 |
| Return on Equity (ROE) | 10.9840% | 1,688 |
| Retained earnings to average equity (ytd only) | -6.0150% | 6,185 |
| Net charge-offs to loans | -0.0356% | 5,659 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8259% | 4,041 |
| Assets per employee ($millions) | 1.4908% | 6,642 |
| Cash dividends to net income (ytd only)* | 154.7619% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 2,981 |
| Loan loss allowance to noncurrent loans | 1,315.3846% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 5,072 |
| Noncurrent loans to loans | 0.1170% | 5,770 |
| Net loans and leases to total assets | 61.1738% | 3,368 |
| Net loans and leases to deposits | 66.9644% | 3,978 |
| Net loans and leases to core deposits | 68.0089% | 4,306 |
| Total domestic deposits to total assets | 91.3527% | 435 |
| Equity capital to assets | 8.6082% | 5,539 |
| Core capital (leverage) ratio | 8.6780% | 5,415 |
| Tier 1 risk-based capital ratio | 12.0362% | 5,621 |
| Total risk-based capital ratio | 13.2885% | 5,552 |
| Memoranda: | ||
| Average total assets | $17,674,000 | 6,656 |
| Average earning assets | $16,552,500 | 6,632 |
| Average equity | $1,529,500 | 6,663 |
| Average total loans | $11,222,000 | 6,472 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8318% | 217 |
| Cost of funding earning assets | 0.2983% | 5,612 |
| Net interest margin | 5.5336% | 128 |
| Noninterest income to average assets | 1.1582% | 1,052 |
| Noninterest expense to average assets | 4.3076% | 629 |
| Loan and lease loss provision to assets | 0.1477% | 2,438 |
| Net operating income to assets | 1.8554% | 432 |
| Return on assets (ROA) | 1.8554% | 447 |
| Pretax return on assets | 1.8554% | 671 |
| Return on Equity (ROE) | 20.3737% | 264 |
| Retained earnings to average equity (ytd only) | 4.3473% | 3,087 |
| Net charge-offs to loans | 0.3103% | 2,133 |
| Credit loss provision to net charge-offs | 67.5676% | 3,369 |
| Earnings coverage of net charge-offs (x) | 9.1622% | 2,547 |
| Efficiency ratio | 68.2584% | 4,151 |
| Assets per employee ($millions) | 1.4548% | 6,724 |
| Cash dividends to net income (ytd only)* | 78.6624% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 4,705 |
| Loan loss allowance to noncurrent loans | 900.0000% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 6,088 |
| Noncurrent loans to loans | 0.1324% | 5,807 |
| Net loans and leases to total assets | 64.1196% | 3,025 |
| Net loans and leases to deposits | 70.2655% | 3,755 |
| Net loans and leases to core deposits | 71.3903% | 4,144 |
| Total domestic deposits to total assets | 91.2533% | 483 |
| Equity capital to assets | 8.7009% | 5,363 |
| Core capital (leverage) ratio | 9.2702% | 4,603 |
| Tier 1 risk-based capital ratio | 11.7853% | 5,754 |
| Total risk-based capital ratio | 12.7930% | 5,825 |
| Memoranda: | ||
| Average total assets | $16,923,400 | 6,745 |
| Average earning assets | $15,758,400 | 6,722 |
| Average equity | $1,541,200 | 6,756 |
| Average total loans | $11,925,000 | 6,523 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8887% | 208 |
| Cost of funding earning assets | 0.3158% | 5,593 |
| Net interest margin | 5.5729% | 120 |
| Noninterest income to average assets | 1.0959% | 1,212 |
| Noninterest expense to average assets | 4.1056% | 760 |
| Loan and lease loss provision to assets | 0.1985% | 1,829 |
| Net operating income to assets | 1.9773% | 377 |
| Return on assets (ROA) | 1.9773% | 387 |
| Pretax return on assets | 1.9773% | 601 |
| Return on Equity (ROE) | 21.4637% | 229 |
| Retained earnings to average equity (ytd only) | 7.5856% | 1,597 |
| Net charge-offs to loans | 0.3423% | 1,835 |
| Credit loss provision to net charge-offs | 80.6452% | 2,834 |
| Earnings coverage of net charge-offs (x) | 8.8391% | 2,569 |
| Efficiency ratio | 65.3603% | 4,598 |
| Assets per employee ($millions) | 1.3741% | 6,808 |
| Cash dividends to net income (ytd only)* | 64.6586% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 4,758 |
| Loan loss allowance to noncurrent loans | 940.0000% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 6,167 |
| Noncurrent loans to loans | 0.1305% | 5,926 |
| Net loans and leases to total assets | 68.8398% | 2,168 |
| Net loans and leases to deposits | 75.8452% | 2,982 |
| Net loans and leases to core deposits | 77.1337% | 3,482 |
| Total domestic deposits to total assets | 90.7635% | 629 |
| Equity capital to assets | 9.1879% | 4,954 |
| Core capital (leverage) ratio | 9.5728% | 4,290 |
| Tier 1 risk-based capital ratio | 11.8064% | 5,899 |
| Total risk-based capital ratio | 12.8468% | 5,978 |
| Memoranda: | ||
| Average total assets | $16,789,750 | 6,821 |
| Average earning assets | $15,622,750 | 6,803 |
| Average equity | $1,546,750 | 6,833 |
| Average total loans | $12,074,000 | 6,584 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9272% | 202 |
| Cost of funding earning assets | 0.3180% | 5,684 |
| Net interest margin | 5.6093% | 117 |
| Noninterest income to average assets | 1.1249% | 1,206 |
| Noninterest expense to average assets | 4.1208% | 758 |
| Loan and lease loss provision to assets | 0.2960% | 1,224 |
| Net operating income to assets | 1.9301% | 398 |
| Return on assets (ROA) | 1.9301% | 431 |
| Pretax return on assets | 1.9301% | 697 |
| Return on Equity (ROE) | 20.9333% | 254 |
| Retained earnings to average equity (ytd only) | 8.9897% | 1,122 |
| Net charge-offs to loans | 0.4239% | 1,521 |
| Credit loss provision to net charge-offs | 96.1538% | 2,315 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 2,578 |
| Efficiency ratio | 64.9254% | 4,719 |
| Assets per employee ($millions) | 1.3651% | 6,857 |
| Cash dividends to net income (ytd only)* | 57.0552% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,757 |
| Loan loss allowance to noncurrent loans | 659.0909% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 6,082 |
| Noncurrent loans to loans | 0.1890% | 5,842 |
| Net loans and leases to total assets | 70.1789% | 1,855 |
| Net loans and leases to deposits | 77.5552% | 2,629 |
| Net loans and leases to core deposits | 78.8856% | 3,182 |
| Total domestic deposits to total assets | 90.4890% | 762 |
| Equity capital to assets | 9.3096% | 4,844 |
| Core capital (leverage) ratio | 9.6853% | 3,958 |
| Tier 1 risk-based capital ratio | 12.2124% | 5,670 |
| Total risk-based capital ratio | 13.3318% | 5,693 |
| Memoranda: | ||
| Average total assets | $16,890,000 | 6,870 |
| Average earning assets | $15,724,000 | 6,851 |
| Average equity | $1,557,330 | 6,878 |
| Average total loans | $12,268,000 | 6,620 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9849% | 173 |
| Cost of funding earning assets | 0.3491% | 5,541 |
| Net interest margin | 5.6357% | 107 |
| Noninterest income to average assets | 1.1666% | 1,101 |
| Noninterest expense to average assets | 4.0129% | 874 |
| Loan and lease loss provision to assets | 0.2333% | 1,565 |
| Net operating income to assets | 2.1931% | 248 |
| Return on assets (ROA) | 2.1931% | 270 |
| Pretax return on assets | 2.1931% | 431 |
| Return on Equity (ROE) | 23.8958% | 145 |
| Retained earnings to average equity (ytd only) | 23.8958% | 73 |
| Net charge-offs to loans | 0.7948% | 769 |
| Credit loss provision to net charge-offs | 40.0000% | 2,745 |
| Earnings coverage of net charge-offs (x) | 4.1600% | 2,608 |
| Efficiency ratio | 62.3188% | 5,265 |
| Assets per employee ($millions) | 1.3821% | 6,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 5,667 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 5,817 |
| Noncurrent loans to loans | 0.3453% | 5,537 |
| Net loans and leases to total assets | 72.5475% | 1,275 |
| Net loans and leases to deposits | 80.4816% | 2,024 |
| Net loans and leases to core deposits | 81.8726% | 2,584 |
| Total domestic deposits to total assets | 90.1417% | 966 |
| Equity capital to assets | 9.7558% | 4,488 |
| Core capital (leverage) ratio | 9.1276% | 4,675 |
| Tier 1 risk-based capital ratio | 12.0934% | 5,858 |
| Total risk-based capital ratio | 13.0873% | 5,983 |
| Memoranda: | ||
| Average total assets | $17,144,500 | 6,942 |
| Average earning assets | $16,040,500 | 6,916 |
| Average equity | $1,573,500 | 6,943 |
| Average total loans | $12,581,500 | 6,674 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2183% | 193 |
| Cost of funding earning assets | 0.4521% | 5,572 |
| Net interest margin | 5.7662% | 114 |
| Noninterest income to average assets | 1.2240% | 1,041 |
| Noninterest expense to average assets | 4.0742% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.4997% | 153 |
| Return on assets (ROA) | 2.6433% | 141 |
| Pretax return on assets | 2.6433% | 208 |
| Return on Equity (ROE) | 29.0514% | 77 |
| Retained earnings to average equity (ytd only) | -2.0210% | 6,160 |
| Net charge-offs to loans | -0.0153% | 6,518 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9755% | 5,241 |
| Assets per employee ($millions) | 1.4753% | 6,989 |
| Cash dividends to net income (ytd only)* | 106.9565% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,440 |
| Loan loss allowance to noncurrent loans | 358.5366% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 5,980 |
| Noncurrent loans to loans | 0.3154% | 5,695 |
| Net loans and leases to total assets | 72.5938% | 1,405 |
| Net loans and leases to deposits | 82.0532% | 1,992 |
| Net loans and leases to core deposits | 83.4004% | 2,622 |
| Total domestic deposits to total assets | 88.4715% | 1,912 |
| Equity capital to assets | 8.6365% | 5,921 |
| Core capital (leverage) ratio | 8.3763% | 5,790 |
| Tier 1 risk-based capital ratio | 10.2892% | 6,620 |
| Total risk-based capital ratio | 11.2896% | 6,659 |
| Memoranda: | ||
| Average total assets | $17,402,400 | 6,997 |
| Average earning assets | $16,145,800 | 6,975 |
| Average equity | $1,583,400 | 7,016 |
| Average total loans | $13,037,400 | 6,737 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2437% | 196 |
| Cost of funding earning assets | 0.4655% | 5,677 |
| Net interest margin | 5.7780% | 125 |
| Noninterest income to average assets | 1.2081% | 1,031 |
| Noninterest expense to average assets | 4.0398% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.5162% | 166 |
| Return on assets (ROA) | 2.5162% | 177 |
| Pretax return on assets | 2.5162% | 280 |
| Return on Equity (ROE) | 27.3006% | 106 |
| Retained earnings to average equity (ytd only) | 5.1760% | 3,238 |
| Net charge-offs to loans | -0.0205% | 6,503 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6197% | 5,214 |
| Assets per employee ($millions) | 1.4803% | 7,087 |
| Cash dividends to net income (ytd only)* | 81.0386% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,654 |
| Loan loss allowance to noncurrent loans | 1,336.3636% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 6,596 |
| Noncurrent loans to loans | 0.0835% | 6,403 |
| Net loans and leases to total assets | 73.3266% | 1,347 |
| Net loans and leases to deposits | 83.9889% | 1,875 |
| Net loans and leases to core deposits | 85.3818% | 2,539 |
| Total domestic deposits to total assets | 87.3051% | 2,498 |
| Equity capital to assets | 9.0638% | 5,757 |
| Core capital (leverage) ratio | 9.2737% | 4,633 |
| Tier 1 risk-based capital ratio | 11.1257% | 6,432 |
| Total risk-based capital ratio | 12.1447% | 6,506 |
| Memoranda: | ||
| Average total assets | $17,327,000 | 7,093 |
| Average earning assets | $16,037,250 | 7,067 |
| Average equity | $1,597,000 | 7,110 |
| Average total loans | $13,047,000 | 6,827 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2557% | 198 |
| Cost of funding earning assets | 0.4889% | 5,689 |
| Net interest margin | 5.7668% | 121 |
| Noninterest income to average assets | 1.2804% | 868 |
| Noninterest expense to average assets | 4.2022% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.4328% | 194 |
| Return on assets (ROA) | 2.4328% | 220 |
| Pretax return on assets | 2.4328% | 328 |
| Return on Equity (ROE) | 26.2452% | 129 |
| Retained earnings to average equity (ytd only) | 6.1532% | 2,607 |
| Net charge-offs to loans | -0.0461% | 6,642 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3333% | 5,017 |
| Assets per employee ($millions) | 1.4615% | 7,150 |
| Cash dividends to net income (ytd only)* | 76.5550% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,791 |
| 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 | 76.1375% | 951 |
| Net loans and leases to deposits | 83.9442% | 1,857 |
| Net loans and leases to core deposits | 85.2954% | 2,516 |
| Total domestic deposits to total assets | 90.7002% | 562 |
| Equity capital to assets | 9.2143% | 5,446 |
| Core capital (leverage) ratio | 9.2002% | 4,611 |
| Tier 1 risk-based capital ratio | 11.2302% | 6,380 |
| Total risk-based capital ratio | 12.2743% | 6,463 |
| Memoranda: | ||
| Average total assets | $17,181,670 | 7,156 |
| Average earning assets | $15,953,330 | 7,131 |
| Average equity | $1,592,670 | 7,164 |
| Average total loans | $13,005,330 | 6,883 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2697% | 213 |
| Cost of funding earning assets | 0.5288% | 5,618 |
| Net interest margin | 5.7409% | 130 |
| Noninterest income to average assets | 1.1292% | 1,107 |
| Noninterest expense to average assets | 4.1638% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3289% | 232 |
| Return on assets (ROA) | 2.3289% | 280 |
| Pretax return on assets | 2.3289% | 435 |
| Return on Equity (ROE) | 25.0474% | 182 |
| Retained earnings to average equity (ytd only) | 9.3612% | 1,453 |
| Net charge-offs to loans | -0.1254% | 6,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1304% | 4,898 |
| Assets per employee ($millions) | 1.4311% | 7,219 |
| Cash dividends to net income (ytd only)* | 62.6263% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,600 |
| 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 | 72.8003% | 1,255 |
| Net loans and leases to deposits | 80.2903% | 2,165 |
| Net loans and leases to core deposits | 81.6057% | 2,885 |
| Total domestic deposits to total assets | 90.6714% | 705 |
| Equity capital to assets | 9.2471% | 5,164 |
| Core capital (leverage) ratio | 9.1812% | 4,549 |
| Tier 1 risk-based capital ratio | 11.6873% | 6,171 |
| Total risk-based capital ratio | 12.7894% | 6,237 |
| Memoranda: | ||
| Average total assets | $17,003,500 | 7,216 |
| Average earning assets | $15,886,000 | 7,197 |
| Average equity | $1,581,000 | 7,223 |
| Average total loans | $12,757,500 | 6,946 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3776% | 222 |
| Cost of funding earning assets | 0.6734% | 5,695 |
| Net interest margin | 5.7042% | 129 |
| Noninterest income to average assets | 1.2719% | 795 |
| Noninterest expense to average assets | 4.3438% | 690 |
| Loan and lease loss provision to assets | 0.2160% | 4,034 |
| Net operating income to assets | 1.9979% | 311 |
| Return on assets (ROA) | 1.9979% | 330 |
| Pretax return on assets | 1.9979% | 535 |
| Return on Equity (ROE) | 20.8647% | 227 |
| Retained earnings to average equity (ytd only) | -2.3183% | 6,194 |
| Net charge-offs to loans | 0.2113% | 4,466 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 13.1786% | 1,558 |
| Efficiency ratio | 66.2397% | 4,721 |
| Assets per employee ($millions) | 1.4028% | 7,273 |
| Cash dividends to net income (ytd only)* | 111.1111% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,708 |
| 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 | 75.5554% | 1,013 |
| Net loans and leases to deposits | 83.4416% | 2,000 |
| Net loans and leases to core deposits | 84.8386% | 2,767 |
| Total domestic deposits to total assets | 90.5489% | 690 |
| Equity capital to assets | 9.3501% | 5,089 |
| Core capital (leverage) ratio | 8.7586% | 5,159 |
| Tier 1 risk-based capital ratio | 11.3774% | 6,243 |
| Total risk-based capital ratio | 12.4465% | 6,329 |
| Memoranda: | ||
| Average total assets | $16,667,600 | 7,263 |
| Average earning assets | $15,444,800 | 7,244 |
| Average equity | $1,596,000 | 7,275 |
| Average total loans | $13,251,600 | 6,977 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4645% | 204 |
| Cost of funding earning assets | 0.7202% | 5,650 |
| Net interest margin | 5.7443% | 124 |
| Noninterest income to average assets | 1.2430% | 838 |
| Noninterest expense to average assets | 4.1380% | 855 |
| Loan and lease loss provision to assets | 0.1684% | 4,365 |
| Net operating income to assets | 2.2454% | 240 |
| Return on assets (ROA) | 2.2454% | 257 |
| Pretax return on assets | 2.2454% | 397 |
| Return on Equity (ROE) | 23.3106% | 182 |
| Retained earnings to average equity (ytd only) | 0.3328% | 5,851 |
| Net charge-offs to loans | 0.2697% | 3,750 |
| Credit loss provision to net charge-offs | 77.7778% | 4,217 |
| Earnings coverage of net charge-offs (x) | 11.1478% | 1,838 |
| Efficiency ratio | 63.1579% | 5,204 |
| Assets per employee ($millions) | 1.4421% | 7,350 |
| Cash dividends to net income (ytd only)* | 98.5723% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 6,220 |
| Loan loss allowance to noncurrent loans | 189.8551% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 6,083 |
| Noncurrent loans to loans | 0.5318% | 5,794 |
| Net loans and leases to total assets | 74.2155% | 1,302 |
| Net loans and leases to deposits | 81.9278% | 2,370 |
| Net loans and leases to core deposits | 81.9278% | 3,338 |
| Total domestic deposits to total assets | 90.5865% | 592 |
| Equity capital to assets | 9.3268% | 5,339 |
| Core capital (leverage) ratio | 9.4859% | 4,172 |
| Tier 1 risk-based capital ratio | 11.4918% | 6,245 |
| Total risk-based capital ratio | 12.4428% | 6,418 |
| Memoranda: | ||
| Average total assets | $16,626,000 | 7,340 |
| Average earning assets | $15,365,500 | 7,319 |
| Average equity | $1,601,500 | 7,346 |
| Average total loans | $13,348,500 | 7,048 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5618% | 187 |
| Cost of funding earning assets | 0.7922% | 5,433 |
| Net interest margin | 5.7696% | 117 |
| Noninterest income to average assets | 1.2195% | 852 |
| Noninterest expense to average assets | 4.2318% | 802 |
| Loan and lease loss provision to assets | 0.0732% | 5,391 |
| Net operating income to assets | 2.2439% | 245 |
| Return on assets (ROA) | 2.2439% | 260 |
| Pretax return on assets | 2.2439% | 384 |
| Return on Equity (ROE) | 23.0384% | 198 |
| Retained earnings to average equity (ytd only) | 0.2504% | 5,737 |
| Net charge-offs to loans | 0.3563% | 3,131 |
| Credit loss provision to net charge-offs | 25.0000% | 5,061 |
| Earnings coverage of net charge-offs (x) | 7.9167% | 2,143 |
| Efficiency ratio | 64.6182% | 5,130 |
| Assets per employee ($millions) | 1.5045% | 7,412 |
| Cash dividends to net income (ytd only)* | 98.9130% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,748 |
| Loan loss allowance to noncurrent loans | 138.3721% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 5,876 |
| Noncurrent loans to loans | 0.6205% | 5,684 |
| Net loans and leases to total assets | 83.0272% | 302 |
| Net loans and leases to deposits | 92.0362% | 1,057 |
| Net loans and leases to core deposits | 92.0362% | 2,126 |
| Total domestic deposits to total assets | 90.2115% | 858 |
| Equity capital to assets | 9.6677% | 4,578 |
| Core capital (leverage) ratio | 9.3978% | 4,118 |
| Tier 1 risk-based capital ratio | 10.9853% | 6,541 |
| Total risk-based capital ratio | 11.8121% | 6,761 |
| Memoranda: | ||
| Average total assets | $16,399,670 | 7,415 |
| Average earning assets | $15,148,330 | 7,398 |
| Average equity | $1,597,330 | 7,419 |
| Average total loans | $13,473,330 | 7,111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5467% | 200 |
| Cost of funding earning assets | 0.8516% | 5,261 |
| Net interest margin | 5.6951% | 124 |
| Noninterest income to average assets | 1.1761% | 933 |
| Noninterest expense to average assets | 4.2635% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1563% | 277 |
| Return on assets (ROA) | 2.1563% | 286 |
| Pretax return on assets | 2.1563% | 424 |
| Return on Equity (ROE) | 22.0551% | 244 |
| Retained earnings to average equity (ytd only) | -1.2531% | 6,037 |
| Net charge-offs to loans | -0.0602% | 6,947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4122% | 4,965 |
| Assets per employee ($millions) | 1.5458% | 7,466 |
| Cash dividends to net income (ytd only)* | 105.6818% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 6,256 |
| 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 | 77.8582% | 747 |
| Net loans and leases to deposits | 86.0178% | 1,725 |
| Net loans and leases to core deposits | 86.0178% | 2,870 |
| Total domestic deposits to total assets | 90.5140% | 832 |
| Equity capital to assets | 9.3684% | 4,624 |
| Core capital (leverage) ratio | 9.5255% | 3,764 |
| Tier 1 risk-based capital ratio | 10.8637% | 6,603 |
| Total risk-based capital ratio | 11.8219% | 6,757 |
| Memoranda: | ||
| Average total assets | $16,324,500 | 7,475 |
| Average earning assets | $15,030,500 | 7,455 |
| Average equity | $1,596,000 | 7,471 |
| Average total loans | $13,280,000 | 7,174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9621% | 154 |
| Cost of funding earning assets | 0.9956% | 5,721 |
| Net interest margin | 5.9665% | 99 |
| Noninterest income to average assets | 1.3842% | 762 |
| Noninterest expense to average assets | 4.4594% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.4419% | 121 |
| Return on assets (ROA) | 2.4419% | 128 |
| Pretax return on assets | 2.4419% | 201 |
| Return on Equity (ROE) | 23.1694% | 136 |
| Retained earnings to average equity (ytd only) | 1.9205% | 4,517 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6168% | 5,241 |
| Assets per employee ($millions) | 1.4223% | 7,561 |
| Cash dividends to net income (ytd only)* | 91.7112% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,194 |
| Loan loss allowance to noncurrent loans | 978.5714% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 7,007 |
| Noncurrent loans to loans | 0.1062% | 6,874 |
| Net loans and leases to total assets | 83.3813% | 349 |
| Net loans and leases to deposits | 96.4653% | 830 |
| Net loans and leases to core deposits | 96.4653% | 1,945 |
| Total domestic deposits to total assets | 86.4366% | 3,112 |
| Equity capital to assets | 10.2205% | 3,475 |
| Core capital (leverage) ratio | 10.0343% | 3,056 |
| Tier 1 risk-based capital ratio | 11.8228% | 5,635 |
| Total risk-based capital ratio | 12.8479% | 5,835 |
| Memoranda: | ||
| Average total assets | $15,315,800 | 7,568 |
| Average earning assets | $14,162,400 | 7,543 |
| Average equity | $1,614,200 | 7,564 |
| Average total loans | $12,904,000 | 7,259 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8568% | 184 |
| Cost of funding earning assets | 1.0092% | 5,899 |
| Net interest margin | 5.8476% | 109 |
| Noninterest income to average assets | 1.3566% | 734 |
| Noninterest expense to average assets | 4.3062% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.4769% | 137 |
| Return on assets (ROA) | 2.4769% | 144 |
| Pretax return on assets | 2.4769% | 234 |
| Return on Equity (ROE) | 23.3201% | 153 |
| Retained earnings to average equity (ytd only) | 5.7682% | 2,502 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4839% | 5,344 |
| Assets per employee ($millions) | 1.4332% | 7,663 |
| Cash dividends to net income (ytd only)* | 75.2650% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 6,355 |
| Loan loss allowance to noncurrent loans | 263.4615% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 6,557 |
| Noncurrent loans to loans | 0.3831% | 6,426 |
| Net loans and leases to total assets | 85.2331% | 252 |
| Net loans and leases to deposits | 103.6806% | 448 |
| Net loans and leases to core deposits | 103.6806% | 1,514 |
| Total domestic deposits to total assets | 82.2074% | 4,910 |
| Equity capital to assets | 10.4535% | 3,568 |
| Core capital (leverage) ratio | 10.6266% | 2,567 |
| Tier 1 risk-based capital ratio | 11.9093% | 5,545 |
| Total risk-based capital ratio | 12.9177% | 5,739 |
| Memoranda: | ||
| Average total assets | $15,233,500 | 7,665 |
| Average earning assets | $14,136,500 | 7,642 |
| Average equity | $1,618,000 | 7,661 |
| Average total loans | $12,834,500 | 7,356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8890% | 181 |
| Cost of funding earning assets | 0.9882% | 6,205 |
| Net interest margin | 5.9007% | 107 |
| Noninterest income to average assets | 1.3283% | 721 |
| Noninterest expense to average assets | 4.7820% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0191% | 321 |
| Return on assets (ROA) | 2.0191% | 351 |
| Pretax return on assets | 2.0191% | 578 |
| Return on Equity (ROE) | 18.9055% | 393 |
| Retained earnings to average equity (ytd only) | 11.4428% | 576 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3125% | 4,127 |
| Assets per employee ($millions) | 1.3879% | 7,731 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,887 |
| Loan loss allowance to noncurrent loans | 148.9130% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 5,983 |
| Noncurrent loans to loans | 0.7471% | 5,767 |
| Net loans and leases to total assets | 79.7603% | 832 |
| Net loans and leases to deposits | 89.6818% | 1,914 |
| Net loans and leases to core deposits | 89.6818% | 3,317 |
| Total domestic deposits to total assets | 88.9369% | 1,475 |
| Equity capital to assets | 10.9124% | 2,956 |
| Core capital (leverage) ratio | 10.8237% | 2,382 |
| Tier 1 risk-based capital ratio | 12.9532% | 4,489 |
| Total risk-based capital ratio | 14.0352% | 4,588 |
| Memoranda: | ||
| Average total assets | $15,056,330 | 7,730 |
| Average earning assets | $13,964,330 | 7,708 |
| Average equity | $1,608,000 | 7,730 |
| Average total loans | $12,588,000 | 7,424 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9948% | 177 |
| Cost of funding earning assets | 1.0363% | 6,189 |
| Net interest margin | 5.9585% | 111 |
| Noninterest income to average assets | 1.2039% | 835 |
| Noninterest expense to average assets | 4.8960% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8460% | 451 |
| Return on assets (ROA) | 1.8460% | 497 |
| Pretax return on assets | 1.8460% | 813 |
| Return on Equity (ROE) | 17.4794% | 560 |
| Retained earnings to average equity (ytd only) | 2.0266% | 4,916 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6190% | 3,823 |
| Assets per employee ($millions) | 1.2442% | 7,854 |
| Cash dividends to net income (ytd only)* | 88.4058% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 6,118 |
| Loan loss allowance to noncurrent loans | 526.9231% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 7,040 |
| Noncurrent loans to loans | 0.2042% | 6,932 |
| Net loans and leases to total assets | 84.3470% | 341 |
| Net loans and leases to deposits | 94.5349% | 1,286 |
| Net loans and leases to core deposits | 94.5349% | 2,764 |
| Total domestic deposits to total assets | 89.2230% | 1,407 |
| Equity capital to assets | 10.6028% | 3,142 |
| Core capital (leverage) ratio | 10.2206% | 2,910 |
| Tier 1 risk-based capital ratio | 11.9954% | 5,201 |
| Total risk-based capital ratio | 13.0508% | 5,338 |
| Memoranda: | ||
| Average total assets | $14,951,000 | 7,835 |
| Average earning assets | $13,896,000 | 7,807 |
| Average equity | $1,579,000 | 7,824 |
| Average total loans | $12,725,000 | 7,515 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4319% | 143 |
| Cost of funding earning assets | 1.2945% | 6,329 |
| Net interest margin | 6.1374% | 104 |
| Noninterest income to average assets | 1.3643% | 789 |
| Noninterest expense to average assets | 4.7680% | 624 |
| Loan and lease loss provision to assets | 0.0696% | 6,880 |
| Net operating income to assets | 2.1369% | 169 |
| Return on assets (ROA) | 2.1369% | 184 |
| Pretax return on assets | 2.1369% | 320 |
| Return on Equity (ROE) | 19.4402% | 273 |
| Retained earnings to average equity (ytd only) | 4.0527% | 2,384 |
| Net charge-offs to loans | 0.0763% | 6,350 |
| Credit loss provision to net charge-offs | 111.1111% | 4,944 |
| Earnings coverage of net charge-offs (x) | 35.2222% | 668 |
| Efficiency ratio | 68.3633% | 4,950 |
| Assets per employee ($millions) | 1.2477% | 7,934 |
| Cash dividends to net income (ytd only)* | 79.1531% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 6,010 |
| Loan loss allowance to noncurrent loans | 472.4138% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 6,983 |
| Noncurrent loans to loans | 0.2280% | 6,862 |
| Net loans and leases to total assets | 84.0435% | 427 |
| Net loans and leases to deposits | 98.2203% | 1,082 |
| Net loans and leases to core deposits | 112.4788% | 2,647 |
| Total domestic deposits to total assets | 85.5664% | 3,246 |
| Equity capital to assets | 10.5196% | 3,160 |
| Core capital (leverage) ratio | 10.3869% | 2,698 |
| Tier 1 risk-based capital ratio | 11.8199% | 5,094 |
| Total risk-based capital ratio | 12.8653% | 5,239 |
| Memoranda: | ||
| Average total assets | $14,366,600 | 7,911 |
| Average earning assets | $13,132,600 | 7,894 |
| Average equity | $1,579,200 | 7,912 |
| Average total loans | $11,797,000 | 7,613 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5142% | 145 |
| Cost of funding earning assets | 1.3503% | 6,396 |
| Net interest margin | 6.1639% | 99 |
| Noninterest income to average assets | 1.3507% | 830 |
| Noninterest expense to average assets | 4.5771% | 674 |
| Loan and lease loss provision to assets | 0.0844% | 6,522 |
| Net operating income to assets | 2.2980% | 153 |
| Return on assets (ROA) | 2.2980% | 166 |
| Pretax return on assets | 2.2980% | 290 |
| Return on Equity (ROE) | 20.6714% | 280 |
| Retained earnings to average equity (ytd only) | 8.9435% | 854 |
| Net charge-offs to loans | 0.0923% | 5,760 |
| Credit loss provision to net charge-offs | 112.5000% | 4,515 |
| Earnings coverage of net charge-offs (x) | 31.7395% | 896 |
| Efficiency ratio | 65.7682% | 5,410 |
| Assets per employee ($millions) | 1.2129% | 8,017 |
| Cash dividends to net income (ytd only)* | 56.7348% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,504 |
| Loan loss allowance to noncurrent loans | 652.3810% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 7,183 |
| Noncurrent loans to loans | 0.1741% | 7,056 |
| Net loans and leases to total assets | 81.9100% | 826 |
| Net loans and leases to deposits | 97.0373% | 1,435 |
| Net loans and leases to core deposits | 109.5068% | 3,295 |
| Total domestic deposits to total assets | 84.4109% | 3,527 |
| Equity capital to assets | 11.1371% | 2,889 |
| Core capital (leverage) ratio | 10.8794% | 2,500 |
| Tier 1 risk-based capital ratio | 12.6914% | 4,397 |
| Total risk-based capital ratio | 13.7843% | 4,468 |
| Memoranda: | ||
| Average total assets | $14,215,250 | 7,992 |
| Average earning assets | $12,935,250 | 7,981 |
| Average equity | $1,580,250 | 7,996 |
| Average total loans | $11,566,250 | 7,698 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4455% | 168 |
| Cost of funding earning assets | 1.4078% | 6,450 |
| Net interest margin | 6.0377% | 106 |
| Noninterest income to average assets | 1.4608% | 696 |
| Noninterest expense to average assets | 4.6944% | 648 |
| Loan and lease loss provision to assets | 0.1276% | 5,823 |
| Net operating income to assets | 2.1132% | 229 |
| Return on assets (ROA) | 2.1132% | 251 |
| Pretax return on assets | 2.1132% | 421 |
| Return on Equity (ROE) | 19.0212% | 400 |
| Retained earnings to average equity (ytd only) | 12.0000% | 441 |
| Net charge-offs to loans | 0.1403% | 4,766 |
| Credit loss provision to net charge-offs | 112.5000% | 4,116 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,347 |
| Efficiency ratio | 67.6892% | 5,210 |
| Assets per employee ($millions) | 1.2379% | 8,107 |
| Cash dividends to net income (ytd only)* | 36.9128% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,245 |
| Loan loss allowance to noncurrent loans | 311.3636% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 6,731 |
| Noncurrent loans to loans | 0.3708% | 6,585 |
| Net loans and leases to total assets | 78.9566% | 1,533 |
| Net loans and leases to deposits | 89.1600% | 2,963 |
| Net loans and leases to core deposits | 99.7364% | 4,534 |
| Total domestic deposits to total assets | 88.5560% | 1,503 |
| Equity capital to assets | 10.7910% | 3,125 |
| Core capital (leverage) ratio | 10.9951% | 2,398 |
| Tier 1 risk-based capital ratio | 12.7617% | 4,311 |
| Total risk-based capital ratio | 13.8689% | 4,342 |
| Memoranda: | ||
| Average total assets | $14,102,000 | 8,087 |
| Average earning assets | $12,786,330 | 8,071 |
| Average equity | $1,566,670 | 8,082 |
| Average total loans | $11,402,000 | 7,787 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4136% | 187 |
| Cost of funding earning assets | 1.5658% | 6,174 |
| Net interest margin | 5.8478% | 120 |
| Noninterest income to average assets | 1.3697% | 760 |
| Noninterest expense to average assets | 4.9834% | 495 |
| Loan and lease loss provision to assets | 0.0583% | 6,230 |
| Net operating income to assets | 1.6611% | 703 |
| Return on assets (ROA) | 1.6611% | 770 |
| Pretax return on assets | 1.6611% | 1,265 |
| Return on Equity (ROE) | 14.7239% | 1,029 |
| Retained earnings to average equity (ytd only) | 14.7239% | 445 |
| Net charge-offs to loans | 0.0716% | 4,476 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,070 |
| Efficiency ratio | 74.3478% | 3,762 |
| Assets per employee ($millions) | 1.1633% | 8,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 4,765 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 7,624 |
| Noncurrent loans to loans | 0.0089% | 7,544 |
| Net loans and leases to total assets | 79.8051% | 1,429 |
| Net loans and leases to deposits | 90.5323% | 2,847 |
| Net loans and leases to core deposits | 101.0981% | 4,430 |
| Total domestic deposits to total assets | 88.1510% | 1,679 |
| Equity capital to assets | 11.2759% | 2,745 |
| Core capital (leverage) ratio | 11.0585% | 2,458 |
| Tier 1 risk-based capital ratio | 13.1440% | 4,087 |
| Total risk-based capital ratio | 14.3040% | 4,071 |
| Memoranda: | ||
| Average total assets | $13,725,500 | 8,149 |
| Average earning assets | $12,517,500 | 8,128 |
| Average equity | $1,548,500 | 8,141 |
| Average total loans | $11,170,000 | 7,851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1250% | 162 |
| Cost of funding earning assets | 2.1713% | 5,726 |
| Net interest margin | 5.9537% | 116 |
| Noninterest income to average assets | 1.4420% | 686 |
| Noninterest expense to average assets | 4.9129% | 658 |
| Loan and lease loss provision to assets | 0.0580% | 6,686 |
| Net operating income to assets | 2.0144% | 344 |
| Return on assets (ROA) | 2.0144% | 325 |
| Pretax return on assets | 2.0144% | 582 |
| Return on Equity (ROE) | 17.8732% | 532 |
| Retained earnings to average equity (ytd only) | -4.8219% | 6,483 |
| Net charge-offs to loans | 0.0549% | 5,999 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 787 |
| Efficiency ratio | 70.3320% | 4,284 |
| Assets per employee ($millions) | 1.1243% | 8,223 |
| Cash dividends to net income (ytd only)* | 126.9784% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 4,319 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 7,551 |
| Noncurrent loans to loans | 0.0181% | 7,454 |
| Net loans and leases to total assets | 80.9961% | 1,438 |
| Net loans and leases to deposits | 94.4022% | 2,696 |
| Net loans and leases to core deposits | 106.1486% | 4,177 |
| Total domestic deposits to total assets | 85.7990% | 2,495 |
| Equity capital to assets | 11.2882% | 2,816 |
| Core capital (leverage) ratio | 11.1036% | 2,506 |
| Tier 1 risk-based capital ratio | 13.0366% | 4,089 |
| Total risk-based capital ratio | 14.2305% | 4,038 |
| Memoranda: | ||
| Average total assets | $13,800,400 | 8,191 |
| Average earning assets | $12,849,200 | 8,169 |
| Average equity | $1,555,400 | 8,206 |
| Average total loans | $10,933,200 | 7,893 |