Home > State Bank of Easton > Performance and Condition Ratios
State Bank of Easton, 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 | 5.3548% | 2,394 |
| Cost of funding earning assets | 1.9177% | 2,156 |
| Net interest margin | 3.4371% | 2,476 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 2.2720% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0667% | 2,096 |
| Return on assets (ROA) | 1.0667% | 2,099 |
| Pretax return on assets | 1.1083% | 2,482 |
| Return on Equity (ROE) | 8.8300% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.8315% | 1,471 |
| Net charge-offs to loans | 0.0235% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 800 |
| Efficiency ratio | 67.2131% | 2,121 |
| Assets per employee ($millions) | 7.2680% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 818 |
| Loan loss allowance to noncurrent loans | 76.0234% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 572 |
| Noncurrent loans to loans | 2.0956% | 403 |
| Net loans and leases to total assets | 55.2400% | 3,261 |
| Net loans and leases to deposits | 67.1489% | 3,057 |
| Net loans and leases to core deposits | 79.9244% | 2,694 |
| Total domestic deposits to total assets | 82.2700% | 3,253 |
| Equity capital to assets | 12.2179% | 1,156 |
| Core capital (leverage) ratio | 12.5353% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $28,873,500 | 4,347 |
| Average earning assets | $27,116,000 | 4,320 |
| Average equity | $3,487,500 | 4,323 |
| Average total loans | $17,034,000 | 4,237 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 2,605 |
| Cost of funding earning assets | 1.7601% | 2,827 |
| Net interest margin | 3.5051% | 2,067 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 2.1621% | 3,236 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.0510% | 1,893 |
| Return on assets (ROA) | 1.0510% | 1,895 |
| Pretax return on assets | 1.1571% | 2,090 |
| Return on Equity (ROE) | 9.0700% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.9700% | 1,126 |
| Net charge-offs to loans | 0.2692% | 558 |
| Credit loss provision to net charge-offs | 93.0233% | 2,000 |
| Earnings coverage of net charge-offs (x) | 8.5349% | 2,367 |
| Efficiency ratio | 62.4744% | 2,891 |
| Assets per employee ($millions) | 7.1688% | 2,059 |
| Cash dividends to net income (ytd only)* | 12.1212% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,094 |
| Loan loss allowance to noncurrent loans | 74.5714% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 515 |
| Noncurrent loans to loans | 1.9721% | 409 |
| Net loans and leases to total assets | 60.9800% | 2,843 |
| Net loans and leases to deposits | 76.3391% | 2,426 |
| Net loans and leases to core deposits | 91.4401% | 2,015 |
| Total domestic deposits to total assets | 79.8800% | 3,579 |
| Equity capital to assets | 11.9372% | 1,207 |
| Core capital (leverage) ratio | 12.4628% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6719% | 695 |
| Memoranda: | ||
| Average total assets | $28,259,600 | 4,372 |
| Average earning assets | $26,590,000 | 4,340 |
| Average equity | $3,274,800 | 4,351 |
| Average total loans | $15,971,000 | 4,264 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 2,519 |
| Cost of funding earning assets | 1.6811% | 2,993 |
| Net interest margin | 3.5886% | 1,855 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.1499% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3117% | 1,291 |
| Return on assets (ROA) | 1.3117% | 1,290 |
| Pretax return on assets | 1.3970% | 1,517 |
| Return on Equity (ROE) | 11.4100% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.9243% | 876 |
| Net charge-offs to loans | 0.0086% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 295.0000% | 386 |
| Efficiency ratio | 60.6142% | 3,096 |
| Assets per employee ($millions) | 7.0660% | 2,102 |
| Cash dividends to net income (ytd only)* | 12.9964% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 929 |
| Loan loss allowance to noncurrent loans | 132.8283% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 1,019 |
| Noncurrent loans to loans | 1.1701% | 850 |
| Net loans and leases to total assets | 58.9400% | 3,021 |
| Net loans and leases to deposits | 75.5168% | 2,565 |
| Net loans and leases to core deposits | 91.2672% | 2,058 |
| Total domestic deposits to total assets | 78.0500% | 3,721 |
| Equity capital to assets | 12.1886% | 1,210 |
| Core capital (leverage) ratio | 12.6055% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9703% | 595 |
| Memoranda: | ||
| Average total assets | $28,155,750 | 4,401 |
| Average earning assets | $26,490,500 | 4,374 |
| Average equity | $3,237,750 | 4,383 |
| Average total loans | $15,526,750 | 4,292 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 2,716 |
| Cost of funding earning assets | 1.6125% | 3,053 |
| Net interest margin | 3.5052% | 1,948 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 2.1480% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2305% | 1,397 |
| Return on assets (ROA) | 1.2305% | 1,403 |
| Pretax return on assets | 1.3229% | 1,640 |
| Return on Equity (ROE) | 10.9200% | 1,914 |
| Retained earnings to average equity (ytd only) | 10.6038% | 764 |
| Net charge-offs to loans | -0.0664% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.8852% | 3,011 |
| Assets per employee ($millions) | 7.0978% | 2,018 |
| Cash dividends to net income (ytd only)* | 2.8902% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 710 |
| Loan loss allowance to noncurrent loans | 143.8503% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 1,023 |
| Noncurrent loans to loans | 1.1655% | 776 |
| Net loans and leases to total assets | 55.5700% | 3,301 |
| Net loans and leases to deposits | 69.0416% | 3,062 |
| Net loans and leases to core deposits | 82.6531% | 2,632 |
| Total domestic deposits to total assets | 80.4800% | 3,365 |
| Equity capital to assets | 11.5001% | 1,345 |
| Core capital (leverage) ratio | 12.5466% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6201% | 626 |
| Memoranda: | ||
| Average total assets | $28,119,667 | 4,423 |
| Average earning assets | $26,418,000 | 4,394 |
| Average equity | $3,168,667 | 4,400 |
| Average total loans | $15,061,667 | 4,317 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 2,637 |
| Cost of funding earning assets | 1.5602% | 3,063 |
| Net interest margin | 3.5143% | 1,881 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.3013% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1435% | 1,564 |
| Return on assets (ROA) | 1.1435% | 1,575 |
| Pretax return on assets | 1.1721% | 1,960 |
| Return on Equity (ROE) | 10.2500% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.6138% | 1,183 |
| Net charge-offs to loans | -0.0549% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.2551% | 2,581 |
| Assets per employee ($millions) | 7.0518% | 2,055 |
| Cash dividends to net income (ytd only)* | 6.2500% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 509 |
| Loan loss allowance to noncurrent loans | 179.7297% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 1,216 |
| Noncurrent loans to loans | 1.0292% | 839 |
| Net loans and leases to total assets | 50.0400% | 3,606 |
| Net loans and leases to deposits | 60.1851% | 3,503 |
| Net loans and leases to core deposits | 71.8892% | 3,226 |
| Total domestic deposits to total assets | 83.1400% | 2,950 |
| Equity capital to assets | 11.2029% | 1,431 |
| Core capital (leverage) ratio | 11.7807% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7246% | 556 |
| Memoranda: | ||
| Average total assets | $27,984,000 | 4,455 |
| Average earning assets | $26,406,500 | 4,424 |
| Average equity | $3,120,500 | 4,429 |
| Average total loans | $14,570,000 | 4,354 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0468% | 4 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,450.0000% | 43 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 4,995.0000% | 1 |
| Noninterest income to average assets | 0.0108% | 4,512 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.8975% | 2,527 |
| Pretax return on assets | 0.9481% | 2,818 |
| Return on Equity (ROE) | 8.6000% | 2,864 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0941% | 944 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 19.0483% | 1,910 |
| Efficiency ratio | 5.7455% | 4,562 |
| Assets per employee ($millions) | 0.3920% | 4,526 |
| Cash dividends to net income (ytd only)* | 24.0000% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0532% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,820 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 26,296,904.0000% | 1 |
| Equity capital to assets | 12,020,757.0000% | 1 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $517,277,000 | 1,698 |
| Average earning assets | $3,240 | 4,584 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 3,154 |
| Cost of funding earning assets | 1.3409% | 2,028 |
| Net interest margin | 3.0323% | 3,273 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.1447% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8791% | 2,758 |
| Return on assets (ROA) | 0.8791% | 2,740 |
| Pretax return on assets | 0.9226% | 3,051 |
| Return on Equity (ROE) | 8.5600% | 3,042 |
| Retained earnings to average equity (ytd only) | 6.1582% | 2,583 |
| Net charge-offs to loans | 0.3844% | 222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.7750% | 2,378 |
| Efficiency ratio | 69.9213% | 1,794 |
| Assets per employee ($millions) | 6.8300% | 2,087 |
| Cash dividends to net income (ytd only)* | 28.0220% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 469 |
| Loan loss allowance to noncurrent loans | 180.9211% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 1,047 |
| Noncurrent loans to loans | 1.0560% | 759 |
| Net loans and leases to total assets | 51.6800% | 3,520 |
| Net loans and leases to deposits | 62.2503% | 3,388 |
| Net loans and leases to core deposits | 73.8133% | 3,003 |
| Total domestic deposits to total assets | 83.0200% | 3,012 |
| Equity capital to assets | 10.6515% | 1,484 |
| Core capital (leverage) ratio | 11.6282% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4806% | 665 |
| Memoranda: | ||
| Average total assets | $27,601,750 | 4,505 |
| Average earning assets | $26,250,000 | 4,466 |
| Average equity | $2,836,250 | 4,457 |
| Average total loans | $13,875,250 | 4,389 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 3,177 |
| Cost of funding earning assets | 1.2527% | 1,841 |
| Net interest margin | 3.0065% | 3,420 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.1014% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9243% | 2,672 |
| Return on assets (ROA) | 0.9243% | 2,658 |
| Pretax return on assets | 0.9532% | 3,037 |
| Return on Equity (ROE) | 9.1000% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.3266% | 2,180 |
| Net charge-offs to loans | 0.5838% | 141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 2,268 |
| Efficiency ratio | 68.7943% | 1,886 |
| Assets per employee ($millions) | 6.9413% | 1,972 |
| Cash dividends to net income (ytd only)* | 19.5313% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 460 |
| Loan loss allowance to noncurrent loans | 188.3562% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 1,034 |
| Noncurrent loans to loans | 1.0330% | 725 |
| Net loans and leases to total assets | 49.9200% | 3,566 |
| Net loans and leases to deposits | 59.8041% | 3,435 |
| Net loans and leases to core deposits | 70.3574% | 3,104 |
| Total domestic deposits to total assets | 83.4600% | 2,944 |
| Equity capital to assets | 10.3332% | 1,670 |
| Core capital (leverage) ratio | 11.6585% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4432% | 676 |
| Memoranda: | ||
| Average total assets | $27,695,667 | 4,531 |
| Average earning assets | $26,342,667 | 4,491 |
| Average equity | $2,811,667 | 4,487 |
| Average total loans | $13,702,333 | 4,419 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,193 |
| Cost of funding earning assets | 0.8800% | 2,437 |
| Net interest margin | 3.2470% | 3,002 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.1980% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0990% | 2,231 |
| Return on assets (ROA) | 1.0990% | 2,199 |
| Pretax return on assets | 1.0990% | 2,708 |
| Return on Equity (ROE) | 10.9200% | 2,517 |
| Retained earnings to average equity (ytd only) | 10.9235% | 1,483 |
| Net charge-offs to loans | 1.1864% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 1,951 |
| Efficiency ratio | 66.6667% | 2,131 |
| Assets per employee ($millions) | 7.1573% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 345 |
| Loan loss allowance to noncurrent loans | 184.5638% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 995 |
| Noncurrent loans to loans | 1.1635% | 605 |
| Net loans and leases to total assets | 43.7700% | 3,877 |
| Net loans and leases to deposits | 54.2350% | 3,666 |
| Net loans and leases to core deposits | 61.1686% | 3,495 |
| Total domestic deposits to total assets | 80.7000% | 3,679 |
| Equity capital to assets | 9.9584% | 1,838 |
| Core capital (leverage) ratio | 11.5513% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5146% | 609 |
| Memoranda: | ||
| Average total assets | $27,661,000 | 4,592 |
| Average earning assets | $26,362,500 | 4,558 |
| Average equity | $2,783,000 | 4,554 |
| Average total loans | $13,486,500 | 4,478 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 2,197 |
| Cost of funding earning assets | 0.6367% | 763 |
| Net interest margin | 3.1917% | 2,885 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.3125% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8319% | 3,219 |
| Return on assets (ROA) | 0.8028% | 3,243 |
| Pretax return on assets | 0.8867% | 3,403 |
| Return on Equity (ROE) | 7.2300% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.2307% | 2,132 |
| Net charge-offs to loans | 0.0380% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 1,419 |
| Efficiency ratio | 71.5698% | 1,490 |
| Assets per employee ($millions) | 6.6733% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2235% | 297 |
| Loan loss allowance to noncurrent loans | 205.8824% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 878 |
| Noncurrent loans to loans | 1.0800% | 667 |
| Net loans and leases to total assets | 51.8900% | 3,366 |
| Net loans and leases to deposits | 64.9658% | 2,952 |
| Net loans and leases to core deposits | 68.5471% | 2,977 |
| Total domestic deposits to total assets | 79.8800% | 3,894 |
| Equity capital to assets | 10.1712% | 1,627 |
| Core capital (leverage) ratio | 11.9042% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $25,037,600 | 4,646 |
| Average earning assets | $23,560,800 | 4,611 |
| Average equity | $2,779,800 | 4,629 |
| Average total loans | $13,173,400 | 4,510 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 1,913 |
| Cost of funding earning assets | 0.6287% | 376 |
| Net interest margin | 3.1145% | 2,888 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3067% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7700% | 3,355 |
| Return on assets (ROA) | 0.7310% | 3,426 |
| Pretax return on assets | 0.8122% | 3,552 |
| Return on Equity (ROE) | 6.4400% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.4376% | 2,580 |
| Net charge-offs to loans | 0.0619% | 870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,587 |
| Efficiency ratio | 72.9452% | 1,386 |
| Assets per employee ($millions) | 6.3705% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2429% | 324 |
| Loan loss allowance to noncurrent loans | 197.4843% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 846 |
| Noncurrent loans to loans | 1.1357% | 653 |
| Net loans and leases to total assets | 53.7100% | 3,129 |
| Net loans and leases to deposits | 67.4154% | 2,588 |
| Net loans and leases to core deposits | 71.3147% | 2,544 |
| Total domestic deposits to total assets | 79.6700% | 4,126 |
| Equity capital to assets | 10.3171% | 1,456 |
| Core capital (leverage) ratio | 11.9026% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8968% | 738 |
| Memoranda: | ||
| Average total assets | $24,623,750 | 4,681 |
| Average earning assets | $23,117,000 | 4,652 |
| Average equity | $2,796,000 | 4,667 |
| Average total loans | $12,925,000 | 4,544 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 1,838 |
| Cost of funding earning assets | 0.6226% | 236 |
| Net interest margin | 2.9812% | 2,935 |
| Noninterest income to average assets | 0.2383% | 3,747 |
| Noninterest expense to average assets | 2.3749% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5917% | 3,648 |
| Return on assets (ROA) | 0.5917% | 3,591 |
| Pretax return on assets | 0.6574% | 3,691 |
| Return on Equity (ROE) | 5.0497% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.0497% | 2,689 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3198% | 1,067 |
| Assets per employee ($millions) | 6.2655% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5308% | 250 |
| Loan loss allowance to noncurrent loans | 173.9130% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 728 |
| Noncurrent loans to loans | 1.4552% | 516 |
| Net loans and leases to total assets | 49.1740% | 3,454 |
| Net loans and leases to deposits | 60.1053% | 3,042 |
| Net loans and leases to core deposits | 62.7335% | 3,059 |
| Total domestic deposits to total assets | 81.8131% | 4,030 |
| Equity capital to assets | 11.5354% | 1,022 |
| Core capital (leverage) ratio | 11.8347% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8062% | 637 |
| Memoranda: | ||
| Average total assets | $24,337,667 | 4,722 |
| Average earning assets | $22,809,333 | 4,704 |
| Average equity | $2,851,667 | 4,699 |
| Average total loans | $12,566,667 | 4,614 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 2,065 |
| Cost of funding earning assets | 0.6389% | 208 |
| Net interest margin | 2.7687% | 3,229 |
| Noninterest income to average assets | 0.2836% | 3,434 |
| Noninterest expense to average assets | 2.3524% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5339% | 3,610 |
| Return on assets (ROA) | 0.5339% | 3,579 |
| Pretax return on assets | 0.5339% | 3,804 |
| Return on Equity (ROE) | 4.5198% | 3,754 |
| Retained earnings to average equity (ytd only) | 4.5198% | 2,774 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5029% | 1,024 |
| Assets per employee ($millions) | 8.3360% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7329% | 214 |
| Loan loss allowance to noncurrent loans | 154.5894% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 660 |
| Noncurrent loans to loans | 1.7679% | 439 |
| Net loans and leases to total assets | 45.5414% | 3,619 |
| Net loans and leases to deposits | 56.1865% | 3,255 |
| Net loans and leases to core deposits | 58.6608% | 3,262 |
| Total domestic deposits to total assets | 81.0541% | 4,195 |
| Equity capital to assets | 11.1284% | 1,274 |
| Core capital (leverage) ratio | 12.1319% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1271% | 630 |
| Memoranda: | ||
| Average total assets | $23,975,500 | 4,745 |
| Average earning assets | $22,538,000 | 4,727 |
| Average equity | $2,832,000 | 4,724 |
| Average total loans | $12,528,000 | 4,638 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 1,332 |
| Cost of funding earning assets | 0.8064% | 200 |
| Net interest margin | 3.2060% | 2,585 |
| Noninterest income to average assets | 1.2663% | 661 |
| Noninterest expense to average assets | 3.1772% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9326% | 2,931 |
| Return on assets (ROA) | 0.9326% | 2,996 |
| Pretax return on assets | 1.0697% | 3,065 |
| Return on Equity (ROE) | 7.1189% | 3,483 |
| Retained earnings to average equity (ytd only) | 4.2225% | 3,120 |
| Net charge-offs to loans | -0.0142% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8116% | 1,228 |
| Assets per employee ($millions) | 5.7358% | 3,017 |
| Cash dividends to net income (ytd only)* | 40.6863% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3975% | 328 |
| Loan loss allowance to noncurrent loans | 145.4545% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 594 |
| Noncurrent loans to loans | 1.6483% | 520 |
| Net loans and leases to total assets | 56.7798% | 2,506 |
| Net loans and leases to deposits | 71.9446% | 1,917 |
| Net loans and leases to core deposits | 75.5101% | 1,951 |
| Total domestic deposits to total assets | 78.9217% | 4,327 |
| Equity capital to assets | 12.5572% | 1,039 |
| Core capital (leverage) ratio | 12.7170% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,874,800 | 4,797 |
| Average earning assets | $20,336,800 | 4,778 |
| Average equity | $2,865,600 | 4,771 |
| Average total loans | $14,050,000 | 4,669 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0615% | 1,397 |
| Cost of funding earning assets | 0.8176% | 225 |
| Net interest margin | 3.2439% | 2,600 |
| Noninterest income to average assets | 1.4069% | 607 |
| Noninterest expense to average assets | 2.8878% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5303% | 1,194 |
| Return on assets (ROA) | 1.5303% | 1,242 |
| Pretax return on assets | 1.5303% | 1,903 |
| Return on Equity (ROE) | 11.5544% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.6192% | 1,827 |
| Net charge-offs to loans | -0.0187% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3631% | 2,191 |
| Assets per employee ($millions) | 5.4170% | 3,293 |
| Cash dividends to net income (ytd only)* | 25.4032% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4758% | 298 |
| Loan loss allowance to noncurrent loans | 139.7380% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 608 |
| Noncurrent loans to loans | 1.7718% | 551 |
| Net loans and leases to total assets | 58.1733% | 2,469 |
| Net loans and leases to deposits | 77.3218% | 1,542 |
| Net loans and leases to core deposits | 78.5358% | 1,852 |
| Total domestic deposits to total assets | 75.2354% | 4,589 |
| Equity capital to assets | 13.6607% | 818 |
| Core capital (leverage) ratio | 13.4546% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,607,750 | 4,870 |
| Average earning assets | $20,057,750 | 4,850 |
| Average equity | $2,861,750 | 4,843 |
| Average total loans | $14,225,750 | 4,735 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 1,395 |
| Cost of funding earning assets | 0.8390% | 240 |
| Net interest margin | 3.2362% | 2,649 |
| Noninterest income to average assets | 1.1210% | 902 |
| Noninterest expense to average assets | 2.9554% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1673% | 2,304 |
| Return on assets (ROA) | 1.1673% | 2,365 |
| Pretax return on assets | 1.1673% | 3,000 |
| Return on Equity (ROE) | 8.9077% | 3,126 |
| Retained earnings to average equity (ytd only) | 4.4539% | 3,378 |
| Net charge-offs to loans | -0.0273% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6854% | 1,464 |
| Assets per employee ($millions) | 5.3478% | 3,290 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2307% | 405 |
| Loan loss allowance to noncurrent loans | 124.0310% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 481 |
| Noncurrent loans to loans | 1.7985% | 578 |
| Net loans and leases to total assets | 65.5650% | 1,748 |
| Net loans and leases to deposits | 87.3505% | 823 |
| Net loans and leases to core deposits | 87.3505% | 1,319 |
| Total domestic deposits to total assets | 75.0596% | 4,616 |
| Equity capital to assets | 13.2766% | 872 |
| Core capital (leverage) ratio | 13.1359% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,587,667 | 4,905 |
| Average earning assets | $20,023,333 | 4,885 |
| Average equity | $2,829,000 | 4,877 |
| Average total loans | $14,659,333 | 4,760 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 1,359 |
| Cost of funding earning assets | 0.9137% | 206 |
| Net interest margin | 3.1979% | 2,703 |
| Noninterest income to average assets | 1.0883% | 998 |
| Noninterest expense to average assets | 2.9512% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1067% | 2,451 |
| Return on assets (ROA) | 1.1067% | 2,531 |
| Pretax return on assets | 1.1067% | 3,095 |
| Return on Equity (ROE) | 8.5001% | 3,185 |
| Retained earnings to average equity (ytd only) | 8.5001% | 2,097 |
| Net charge-offs to loans | -0.0540% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 1,429 |
| Assets per employee ($millions) | 5.4513% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1630% | 449 |
| Loan loss allowance to noncurrent loans | 113.8790% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 462 |
| Noncurrent loans to loans | 1.8994% | 587 |
| Net loans and leases to total assets | 66.3793% | 1,747 |
| Net loans and leases to deposits | 87.7053% | 852 |
| Net loans and leases to core deposits | 87.7053% | 1,391 |
| Total domestic deposits to total assets | 75.6845% | 4,597 |
| Equity capital to assets | 13.0566% | 898 |
| Core capital (leverage) ratio | 13.0090% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,686,000 | 4,931 |
| Average earning assets | $20,138,000 | 4,912 |
| Average equity | $2,823,500 | 4,900 |
| Average total loans | $14,816,500 | 4,788 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 1,157 |
| Cost of funding earning assets | 0.9212% | 800 |
| Net interest margin | 3.6490% | 1,982 |
| Noninterest income to average assets | 0.5786% | 2,312 |
| Noninterest expense to average assets | 2.7981% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1619% | 1,678 |
| Return on assets (ROA) | 1.1619% | 1,797 |
| Pretax return on assets | 1.1619% | 2,468 |
| Return on Equity (ROE) | 8.9994% | 2,393 |
| Retained earnings to average equity (ytd only) | 5.8037% | 1,899 |
| Net charge-offs to loans | -0.0072% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6587% | 1,861 |
| Assets per employee ($millions) | 5.3918% | 2,965 |
| Cash dividends to net income (ytd only)* | 35.5102% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1430% | 452 |
| Loan loss allowance to noncurrent loans | 108.9041% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 581 |
| Noncurrent loans to loans | 1.9678% | 593 |
| Net loans and leases to total assets | 67.3297% | 1,915 |
| Net loans and leases to deposits | 92.0507% | 773 |
| Net loans and leases to core deposits | 93.5390% | 1,271 |
| Total domestic deposits to total assets | 73.1442% | 4,675 |
| Equity capital to assets | 12.9828% | 1,094 |
| Core capital (leverage) ratio | 12.9154% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8821% | 786 |
| Memoranda: | ||
| Average total assets | $21,085,400 | 4,947 |
| Average earning assets | $19,539,600 | 4,931 |
| Average equity | $2,722,400 | 4,924 |
| Average total loans | $13,949,200 | 4,823 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 1,345 |
| Cost of funding earning assets | 0.9120% | 1,030 |
| Net interest margin | 3.6755% | 2,025 |
| Noninterest income to average assets | 0.6996% | 1,805 |
| Noninterest expense to average assets | 2.7728% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3355% | 1,271 |
| Return on assets (ROA) | 1.3355% | 1,362 |
| Pretax return on assets | 1.3355% | 1,922 |
| Return on Equity (ROE) | 10.3586% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.9551% | 1,714 |
| Net charge-offs to loans | -0.0194% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4923% | 2,250 |
| Assets per employee ($millions) | 4.3476% | 4,000 |
| Cash dividends to net income (ytd only)* | 32.8571% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1268% | 398 |
| Loan loss allowance to noncurrent loans | 101.9169% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 613 |
| Noncurrent loans to loans | 2.0868% | 574 |
| Net loans and leases to total assets | 67.5315% | 2,308 |
| Net loans and leases to deposits | 103.7456% | 394 |
| Net loans and leases to core deposits | 105.6799% | 857 |
| Total domestic deposits to total assets | 65.0934% | 4,871 |
| Equity capital to assets | 12.8163% | 1,268 |
| Core capital (leverage) ratio | 13.1141% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,965,000 | 4,976 |
| Average earning assets | $19,443,750 | 4,960 |
| Average equity | $2,703,000 | 4,954 |
| Average total loans | $13,726,750 | 4,860 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 1,774 |
| Cost of funding earning assets | 0.9066% | 1,348 |
| Net interest margin | 3.6472% | 2,323 |
| Noninterest income to average assets | 0.8886% | 1,195 |
| Noninterest expense to average assets | 2.8589% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4101% | 1,090 |
| Return on assets (ROA) | 1.4101% | 1,182 |
| Pretax return on assets | 1.4101% | 1,703 |
| Return on Equity (ROE) | 10.9145% | 1,659 |
| Retained earnings to average equity (ytd only) | 7.1767% | 1,583 |
| Net charge-offs to loans | -0.0150% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9683% | 2,383 |
| Assets per employee ($millions) | 4.3328% | 3,972 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1609% | 356 |
| Loan loss allowance to noncurrent loans | 91.1175% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.6110% | 546 |
| Noncurrent loans to loans | 2.3716% | 515 |
| Net loans and leases to total assets | 66.4605% | 2,563 |
| Net loans and leases to deposits | 99.3308% | 594 |
| Net loans and leases to core deposits | 101.1380% | 1,179 |
| Total domestic deposits to total assets | 66.9082% | 4,866 |
| Equity capital to assets | 12.6569% | 1,308 |
| Core capital (leverage) ratio | 13.3826% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1936% | 753 |
| Memoranda: | ||
| Average total assets | $20,707,333 | 5,006 |
| Average earning assets | $19,193,000 | 4,993 |
| Average equity | $2,675,333 | 4,987 |
| Average total loans | $13,302,667 | 4,898 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 2,205 |
| Cost of funding earning assets | 0.9200% | 1,768 |
| Net interest margin | 3.6158% | 2,615 |
| Noninterest income to average assets | 0.5141% | 2,477 |
| Noninterest expense to average assets | 2.9858% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8700% | 2,615 |
| Return on assets (ROA) | 0.8700% | 2,721 |
| Pretax return on assets | 0.8700% | 3,222 |
| Return on Equity (ROE) | 6.6616% | 3,078 |
| Retained earnings to average equity (ytd only) | 6.6616% | 1,660 |
| Net charge-offs to loans | -0.0318% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4359% | 1,408 |
| Assets per employee ($millions) | 4.0308% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4520% | 264 |
| Loan loss allowance to noncurrent loans | 64.2424% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.4561% | 286 |
| Noncurrent loans to loans | 3.8168% | 221 |
| Net loans and leases to total assets | 62.7717% | 3,220 |
| Net loans and leases to deposits | 89.8381% | 1,529 |
| Net loans and leases to core deposits | 91.5015% | 2,208 |
| Total domestic deposits to total assets | 69.8720% | 4,859 |
| Equity capital to assets | 13.1686% | 1,354 |
| Core capital (leverage) ratio | 13.2637% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1018% | 855 |
| Memoranda: | ||
| Average total assets | $20,229,000 | 5,057 |
| Average earning assets | $18,695,500 | 5,043 |
| Average equity | $2,642,000 | 5,036 |
| Average total loans | $12,596,000 | 4,950 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 2,853 |
| Cost of funding earning assets | 0.9660% | 1,877 |
| Net interest margin | 3.5614% | 3,248 |
| Noninterest income to average assets | 0.4549% | 2,981 |
| Noninterest expense to average assets | 2.8469% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8903% | 3,247 |
| Return on assets (ROA) | 0.8903% | 3,335 |
| Pretax return on assets | 0.8903% | 3,768 |
| Return on Equity (ROE) | 7.1699% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.0123% | 1,386 |
| Net charge-offs to loans | 0.3773% | 526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.7917% | 3,286 |
| Efficiency ratio | 76.1780% | 1,345 |
| Assets per employee ($millions) | 4.0608% | 3,832 |
| Cash dividends to net income (ytd only)* | 2.1978% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5935% | 191 |
| Loan loss allowance to noncurrent loans | 105.6667% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.7533% | 513 |
| Noncurrent loans to loans | 2.4544% | 448 |
| Net loans and leases to total assets | 58.6387% | 3,706 |
| Net loans and leases to deposits | 80.1481% | 2,762 |
| Net loans and leases to core deposits | 81.5535% | 3,171 |
| Total domestic deposits to total assets | 73.1629% | 4,818 |
| Equity capital to assets | 12.9531% | 1,556 |
| Core capital (leverage) ratio | 13.2995% | 1,115 |
| Tier 1 risk-based capital ratio | 18.6566% | 1,600 |
| Total risk-based capital ratio | 19.9160% | 1,569 |
| Memoranda: | ||
| Average total assets | $20,443,200 | 5,112 |
| Average earning assets | $18,841,000 | 5,101 |
| Average equity | $2,538,400 | 5,099 |
| Average total loans | $12,721,600 | 5,015 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 2,965 |
| Cost of funding earning assets | 0.9594% | 1,940 |
| Net interest margin | 3.5696% | 3,333 |
| Noninterest income to average assets | 0.5144% | 2,638 |
| Noninterest expense to average assets | 2.7411% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0678% | 2,702 |
| Return on assets (ROA) | 1.0678% | 2,787 |
| Pretax return on assets | 1.0678% | 3,387 |
| Return on Equity (ROE) | 8.6925% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.4806% | 1,210 |
| Net charge-offs to loans | 0.1868% | 923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.1108% | 2,598 |
| Efficiency ratio | 71.9658% | 1,841 |
| Assets per employee ($millions) | 4.0596% | 3,823 |
| Cash dividends to net income (ytd only)* | 2.4376% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 166 |
| Loan loss allowance to noncurrent loans | 89.2031% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 2.1923% | 369 |
| Noncurrent loans to loans | 3.0625% | 311 |
| Net loans and leases to total assets | 60.8681% | 3,609 |
| Net loans and leases to deposits | 84.3460% | 2,414 |
| Net loans and leases to core deposits | 90.5460% | 2,500 |
| Total domestic deposits to total assets | 72.1647% | 4,908 |
| Equity capital to assets | 12.8633% | 1,704 |
| Core capital (leverage) ratio | 12.7829% | 1,440 |
| Tier 1 risk-based capital ratio | 18.4576% | 1,695 |
| Total risk-based capital ratio | 19.7193% | 1,661 |
| Memoranda: | ||
| Average total assets | $20,478,000 | 5,192 |
| Average earning assets | $18,899,750 | 5,177 |
| Average equity | $2,515,500 | 5,179 |
| Average total loans | $12,846,250 | 5,090 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 3,315 |
| Cost of funding earning assets | 0.9251% | 2,033 |
| Net interest margin | 3.4798% | 3,660 |
| Noninterest income to average assets | 0.5453% | 2,414 |
| Noninterest expense to average assets | 2.7461% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0225% | 2,834 |
| Return on assets (ROA) | 1.0225% | 2,917 |
| Pretax return on assets | 1.0225% | 3,465 |
| Return on Equity (ROE) | 8.4552% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.1331% | 1,338 |
| Net charge-offs to loans | -0.0310% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8682% | 1,797 |
| Assets per employee ($millions) | 4.1464% | 3,652 |
| Cash dividends to net income (ytd only)* | 3.8095% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7503% | 167 |
| Loan loss allowance to noncurrent loans | 57.9779% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 3.0822% | 186 |
| Noncurrent loans to loans | 4.7437% | 116 |
| Net loans and leases to total assets | 62.5941% | 3,486 |
| Net loans and leases to deposits | 86.6057% | 2,186 |
| Net loans and leases to core deposits | 88.0931% | 2,787 |
| Total domestic deposits to total assets | 72.2747% | 4,959 |
| Equity capital to assets | 12.2950% | 1,991 |
| Core capital (leverage) ratio | 12.5308% | 1,522 |
| Tier 1 risk-based capital ratio | 16.8901% | 2,119 |
| Total risk-based capital ratio | 18.1510% | 2,055 |
| Memoranda: | ||
| Average total assets | $20,538,000 | 5,238 |
| Average earning assets | $19,024,330 | 5,225 |
| Average equity | $2,483,670 | 5,219 |
| Average total loans | $12,894,330 | 5,134 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,027 |
| Cost of funding earning assets | 0.9762% | 1,674 |
| Net interest margin | 3.4805% | 3,650 |
| Noninterest income to average assets | 0.8023% | 1,297 |
| Noninterest expense to average assets | 2.9157% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0958% | 2,490 |
| Return on assets (ROA) | 1.0958% | 2,535 |
| Pretax return on assets | 1.0958% | 3,164 |
| Return on Equity (ROE) | 9.1391% | 2,742 |
| Retained earnings to average equity (ytd only) | 9.1391% | 1,265 |
| Net charge-offs to loans | -0.5052% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6829% | 1,929 |
| Assets per employee ($millions) | 4.0422% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1127% | 119 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.4497% | 845 |
| Noncurrent loans to loans | 2.3345% | 580 |
| Net loans and leases to total assets | 58.5226% | 3,831 |
| Net loans and leases to deposits | 78.6750% | 2,985 |
| Net loans and leases to core deposits | 80.7372% | 3,298 |
| Total domestic deposits to total assets | 74.3852% | 4,903 |
| Equity capital to assets | 12.3101% | 1,841 |
| Core capital (leverage) ratio | 12.1236% | 1,702 |
| Tier 1 risk-based capital ratio | 17.8661% | 1,826 |
| Total risk-based capital ratio | 19.1310% | 1,784 |
| Memoranda: | ||
| Average total assets | $20,441,000 | 5,296 |
| Average earning assets | $18,848,000 | 5,280 |
| Average equity | $2,451,000 | 5,278 |
| Average total loans | $12,669,500 | 5,200 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 2,435 |
| Cost of funding earning assets | 0.8324% | 1,376 |
| Net interest margin | 3.6763% | 3,133 |
| Noninterest income to average assets | 0.3495% | 3,768 |
| Noninterest expense to average assets | 2.9241% | 2,263 |
| Loan and lease loss provision to assets | 2.0233% | 33 |
| Net operating income to assets | -1.2061% | 5,346 |
| Return on assets (ROA) | -1.2061% | 5,343 |
| Pretax return on assets | -1.2061% | 5,345 |
| Return on Equity (ROE) | -10.1778% | 5,351 |
| Retained earnings to average equity (ytd only) | -10.1778% | 5,320 |
| Net charge-offs to loans | 2.5791% | 40 |
| Credit loss provision to net charge-offs | 121.2389% | 2,146 |
| Earnings coverage of net charge-offs (x) | 0.4897% | 3,693 |
| Efficiency ratio | 78.1579% | 1,112 |
| Assets per employee ($millions) | 4.1342% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7721% | 172 |
| Loan loss allowance to noncurrent loans | 134.3173% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 928 |
| Noncurrent loans to loans | 2.0638% | 646 |
| Net loans and leases to total assets | 61.7629% | 3,591 |
| Net loans and leases to deposits | 83.6248% | 2,552 |
| Net loans and leases to core deposits | 85.6731% | 2,940 |
| Total domestic deposits to total assets | 73.8571% | 4,958 |
| Equity capital to assets | 11.6782% | 2,113 |
| Core capital (leverage) ratio | 12.1980% | 1,615 |
| Tier 1 risk-based capital ratio | 16.2933% | 2,312 |
| Total risk-based capital ratio | 17.5533% | 2,253 |
| Memoranda: | ||
| Average total assets | $20,313,600 | 5,341 |
| Average earning assets | $18,741,800 | 5,329 |
| Average equity | $2,407,200 | 5,326 |
| Average total loans | $13,144,000 | 5,228 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 2,426 |
| Cost of funding earning assets | 0.8212% | 1,237 |
| Net interest margin | 3.6417% | 3,217 |
| Noninterest income to average assets | 0.3428% | 3,852 |
| Noninterest expense to average assets | 2.9205% | 2,250 |
| Loan and lease loss provision to assets | 2.6964% | 26 |
| Net operating income to assets | -1.9119% | 5,448 |
| Return on assets (ROA) | -1.9119% | 5,445 |
| Pretax return on assets | -1.9119% | 5,441 |
| Return on Equity (ROE) | -16.0740% | 5,447 |
| Retained earnings to average equity (ytd only) | -16.0740% | 5,428 |
| Net charge-offs to loans | 3.7015% | 27 |
| Credit loss provision to net charge-offs | 112.0548% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.3260% | 3,407 |
| Efficiency ratio | 78.8256% | 1,041 |
| Assets per employee ($millions) | 3.9302% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6116% | 207 |
| Loan loss allowance to noncurrent loans | 151.1211% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 1,194 |
| Noncurrent loans to loans | 1.7281% | 898 |
| Net loans and leases to total assets | 63.9509% | 3,434 |
| Net loans and leases to deposits | 87.9365% | 2,160 |
| Net loans and leases to core deposits | 90.3711% | 2,628 |
| Total domestic deposits to total assets | 72.7240% | 5,080 |
| Equity capital to assets | 12.0096% | 1,900 |
| Core capital (leverage) ratio | 12.1542% | 1,689 |
| Tier 1 risk-based capital ratio | 16.2776% | 2,343 |
| Total risk-based capital ratio | 17.5397% | 2,278 |
| Memoranda: | ||
| Average total assets | $20,224,250 | 5,410 |
| Average earning assets | $18,672,250 | 5,399 |
| Average equity | $2,405,500 | 5,393 |
| Average total loans | $13,147,250 | 5,297 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 2,453 |
| Cost of funding earning assets | 0.7972% | 1,141 |
| Net interest margin | 3.5928% | 3,349 |
| Noninterest income to average assets | 0.3135% | 4,078 |
| Noninterest expense to average assets | 3.0271% | 1,973 |
| Loan and lease loss provision to assets | 3.9774% | 15 |
| Net operating income to assets | -3.3798% | 5,524 |
| Return on assets (ROA) | -3.3798% | 5,521 |
| Pretax return on assets | -3.3798% | 5,520 |
| Return on Equity (ROE) | -28.5045% | 5,522 |
| Retained earnings to average equity (ytd only) | -28.5045% | 5,512 |
| Net charge-offs to loans | 5.5185% | 16 |
| Credit loss provision to net charge-offs | 111.2329% | 1,878 |
| Earnings coverage of net charge-offs (x) | 0.1671% | 3,137 |
| Efficiency ratio | 83.5135% | 720 |
| Assets per employee ($millions) | 3.9816% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5598% | 230 |
| Loan loss allowance to noncurrent loans | 144.1558% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.5773% | 820 |
| Noncurrent loans to loans | 1.7757% | 881 |
| Net loans and leases to total assets | 63.6729% | 3,433 |
| Net loans and leases to deposits | 88.4516% | 2,057 |
| Net loans and leases to core deposits | 90.8869% | 2,500 |
| Total domestic deposits to total assets | 71.9861% | 5,185 |
| Equity capital to assets | 11.5732% | 2,145 |
| Core capital (leverage) ratio | 11.7212% | 1,894 |
| Tier 1 risk-based capital ratio | 15.8122% | 2,505 |
| Total risk-based capital ratio | 17.0737% | 2,446 |
| Memoranda: | ||
| Average total assets | $20,415,330 | 5,472 |
| Average earning assets | $18,815,670 | 5,464 |
| Average equity | $2,420,670 | 5,454 |
| Average total loans | $13,228,330 | 5,354 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,739 |
| Cost of funding earning assets | 0.7770% | 1,066 |
| Net interest margin | 3.4648% | 3,658 |
| Noninterest income to average assets | 0.3871% | 3,555 |
| Noninterest expense to average assets | 2.7868% | 2,744 |
| Loan and lease loss provision to assets | 7.7991% | 3 |
| Net operating income to assets | -7.0057% | 5,598 |
| Return on assets (ROA) | -7.0057% | 5,597 |
| Pretax return on assets | -7.0057% | 5,597 |
| Return on Equity (ROE) | -58.4106% | 5,597 |
| Retained earnings to average equity (ytd only) | -58.4106% | 5,594 |
| Net charge-offs to loans | 10.9462% | 3 |
| Credit loss provision to net charge-offs | 110.4110% | 1,453 |
| Earnings coverage of net charge-offs (x) | 0.1123% | 2,654 |
| Efficiency ratio | 77.8378% | 1,367 |
| Assets per employee ($millions) | 3.9962% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6429% | 218 |
| Loan loss allowance to noncurrent loans | 125.8555% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.7567% | 706 |
| Noncurrent loans to loans | 2.1000% | 743 |
| Net loans and leases to total assets | 61.0230% | 3,643 |
| Net loans and leases to deposits | 83.5767% | 2,443 |
| Net loans and leases to core deposits | 85.7394% | 2,827 |
| Total domestic deposits to total assets | 73.0144% | 5,222 |
| Equity capital to assets | 11.4409% | 2,182 |
| Core capital (leverage) ratio | 11.5346% | 1,983 |
| Tier 1 risk-based capital ratio | 16.3931% | 2,324 |
| Total risk-based capital ratio | 17.6541% | 2,261 |
| Memoranda: | ||
| Average total assets | $20,669,000 | 5,532 |
| Average earning assets | $19,048,500 | 5,521 |
| Average equity | $2,479,000 | 5,510 |
| Average total loans | $13,338,000 | 5,415 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,763 |
| Cost of funding earning assets | 0.8348% | 519 |
| Net interest margin | 3.6502% | 2,988 |
| Noninterest income to average assets | 0.3497% | 3,966 |
| Noninterest expense to average assets | 2.7212% | 3,059 |
| Loan and lease loss provision to assets | 0.2108% | 945 |
| Net operating income to assets | 0.7905% | 3,203 |
| Return on assets (ROA) | 0.7953% | 3,228 |
| Pretax return on assets | 0.7953% | 4,257 |
| Return on Equity (ROE) | 6.2383% | 3,653 |
| Retained earnings to average equity (ytd only) | 2.9688% | 3,522 |
| Net charge-offs to loans | 0.0143% | 3,605 |
| Credit loss provision to net charge-offs | 2,200.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 631 |
| Efficiency ratio | 73.1017% | 2,045 |
| Assets per employee ($millions) | 4.2714% | 3,537 |
| Cash dividends to net income (ytd only)* | 52.4096% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 474 |
| Loan loss allowance to noncurrent loans | 109.3633% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.6622% | 786 |
| Noncurrent loans to loans | 1.8867% | 831 |
| Net loans and leases to total assets | 64.8968% | 3,246 |
| Net loans and leases to deposits | 89.0116% | 1,892 |
| Net loans and leases to core deposits | 95.7711% | 2,043 |
| Total domestic deposits to total assets | 72.9082% | 5,266 |
| Equity capital to assets | 12.5111% | 1,515 |
| Core capital (leverage) ratio | 12.6983% | 1,266 |
| Tier 1 risk-based capital ratio | 16.9803% | 2,105 |
| Total risk-based capital ratio | 18.2369% | 2,046 |
| Memoranda: | ||
| Average total assets | $20,872,800 | 5,595 |
| Average earning assets | $19,286,600 | 5,574 |
| Average equity | $2,661,000 | 5,558 |
| Average total loans | $13,963,400 | 5,467 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 1,710 |
| Cost of funding earning assets | 0.8272% | 499 |
| Net interest margin | 3.6493% | 2,956 |
| Noninterest income to average assets | 0.3470% | 4,056 |
| Noninterest expense to average assets | 2.6664% | 3,183 |
| Loan and lease loss provision to assets | 0.0900% | 2,275 |
| Net operating income to assets | 0.9638% | 2,713 |
| Return on assets (ROA) | 0.9702% | 2,744 |
| Pretax return on assets | 0.9702% | 3,800 |
| Return on Equity (ROE) | 7.5738% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.6176% | 2,474 |
| Net charge-offs to loans | -0.2204% | 5,561 |
| Credit loss provision to net charge-offs | -60.8696% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6753% | 2,250 |
| Assets per employee ($millions) | 4.1942% | 3,661 |
| Cash dividends to net income (ytd only)* | 25.8282% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1586% | 434 |
| Loan loss allowance to noncurrent loans | 104.7273% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6976% | 848 |
| Noncurrent loans to loans | 2.0612% | 818 |
| Net loans and leases to total assets | 62.2479% | 3,625 |
| Net loans and leases to deposits | 87.5461% | 2,125 |
| Net loans and leases to core deposits | 94.2936% | 2,247 |
| Total domestic deposits to total assets | 71.1030% | 5,436 |
| Equity capital to assets | 13.0037% | 1,390 |
| Core capital (leverage) ratio | 13.0884% | 1,177 |
| Tier 1 risk-based capital ratio | 17.5692% | 1,991 |
| Total risk-based capital ratio | 18.8214% | 1,929 |
| Memoranda: | ||
| Average total assets | $20,751,750 | 5,664 |
| Average earning assets | $19,181,250 | 5,643 |
| Average equity | $2,658,250 | 5,619 |
| Average total loans | $13,916,250 | 5,525 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 1,596 |
| Cost of funding earning assets | 0.8150% | 490 |
| Net interest margin | 3.6570% | 2,808 |
| Noninterest income to average assets | 0.3675% | 3,927 |
| Noninterest expense to average assets | 2.6404% | 3,309 |
| Loan and lease loss provision to assets | 0.0870% | 2,240 |
| Net operating income to assets | 1.0252% | 2,310 |
| Return on assets (ROA) | 1.0349% | 2,318 |
| Pretax return on assets | 1.0349% | 3,428 |
| Return on Equity (ROE) | 8.1204% | 2,954 |
| Retained earnings to average equity (ytd only) | 5.1606% | 2,602 |
| Net charge-offs to loans | -0.0425% | 5,101 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3608% | 2,608 |
| Assets per employee ($millions) | 4.0906% | 3,806 |
| Cash dividends to net income (ytd only)* | 36.4486% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8903% | 734 |
| Loan loss allowance to noncurrent loans | 56.5591% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.3028% | 507 |
| Noncurrent loans to loans | 3.3422% | 360 |
| Net loans and leases to total assets | 66.7384% | 2,997 |
| Net loans and leases to deposits | 96.1065% | 1,070 |
| Net loans and leases to core deposits | 98.0392% | 1,805 |
| Total domestic deposits to total assets | 69.4421% | 5,556 |
| Equity capital to assets | 13.1179% | 1,317 |
| Core capital (leverage) ratio | 12.9197% | 1,204 |
| Tier 1 risk-based capital ratio | 16.9848% | 2,158 |
| Total risk-based capital ratio | 18.2343% | 2,112 |
| Memoranda: | ||
| Average total assets | $20,678,670 | 5,710 |
| Average earning assets | $19,141,330 | 5,695 |
| Average equity | $2,635,330 | 5,667 |
| Average total loans | $14,107,670 | 5,569 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 1,857 |
| Cost of funding earning assets | 0.7925% | 510 |
| Net interest margin | 3.5452% | 3,096 |
| Noninterest income to average assets | 0.4425% | 3,357 |
| Noninterest expense to average assets | 2.6934% | 3,165 |
| Loan and lease loss provision to assets | 0.0770% | 2,273 |
| Net operating income to assets | 0.9427% | 2,551 |
| Return on assets (ROA) | 0.9619% | 2,526 |
| Pretax return on assets | 0.9619% | 3,536 |
| Return on Equity (ROE) | 7.6584% | 3,090 |
| Retained earnings to average equity (ytd only) | 5.3609% | 2,698 |
| Net charge-offs to loans | -0.0845% | 5,392 |
| Credit loss provision to net charge-offs | -133.3333% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5389% | 2,479 |
| Assets per employee ($millions) | 4.1426% | 3,773 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 852 |
| Loan loss allowance to noncurrent loans | 63.1707% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 2.0084% | 658 |
| Noncurrent loans to loans | 2.9511% | 470 |
| Net loans and leases to total assets | 65.8234% | 2,997 |
| Net loans and leases to deposits | 93.1093% | 1,209 |
| Net loans and leases to core deposits | 94.7991% | 1,909 |
| Total domestic deposits to total assets | 70.6947% | 5,605 |
| Equity capital to assets | 12.7311% | 1,387 |
| Core capital (leverage) ratio | 12.5671% | 1,305 |
| Tier 1 risk-based capital ratio | 17.0842% | 2,159 |
| Total risk-based capital ratio | 18.3368% | 2,109 |
| Memoranda: | ||
| Average total assets | $20,791,500 | 5,778 |
| Average earning assets | $19,181,000 | 5,761 |
| Average equity | $2,611,500 | 5,730 |
| Average total loans | $14,205,000 | 5,630 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 1,976 |
| Cost of funding earning assets | 0.7673% | 590 |
| Net interest margin | 3.5854% | 3,123 |
| Noninterest income to average assets | 0.3973% | 3,909 |
| Noninterest expense to average assets | 2.6187% | 3,621 |
| Loan and lease loss provision to assets | 0.2754% | 726 |
| Net operating income to assets | 0.7946% | 3,332 |
| Return on assets (ROA) | 0.7946% | 3,433 |
| Pretax return on assets | 0.7946% | 4,195 |
| Return on Equity (ROE) | 6.1564% | 3,900 |
| Retained earnings to average equity (ytd only) | 2.8334% | 3,880 |
| Net charge-offs to loans | -0.0761% | 5,505 |
| Credit loss provision to net charge-offs | -554.5455% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9914% | 2,751 |
| Assets per employee ($millions) | 4.2282% | 3,573 |
| Cash dividends to net income (ytd only)* | 53.9773% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2740% | 421 |
| Loan loss allowance to noncurrent loans | 67.4651% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.5495% | 465 |
| Noncurrent loans to loans | 3.3706% | 367 |
| Net loans and leases to total assets | 68.7101% | 2,665 |
| Net loans and leases to deposits | 97.2094% | 895 |
| Net loans and leases to core deposits | 97.2094% | 1,822 |
| Total domestic deposits to total assets | 70.6826% | 5,629 |
| Equity capital to assets | 13.5140% | 1,043 |
| Core capital (leverage) ratio | 13.5615% | 952 |
| Tier 1 risk-based capital ratio | 17.5382% | 1,996 |
| Total risk-based capital ratio | 18.7922% | 1,953 |
| Memoranda: | ||
| Average total assets | $22,148,400 | 5,818 |
| Average earning assets | $20,332,200 | 5,796 |
| Average equity | $2,858,800 | 5,770 |
| Average total loans | $14,457,000 | 5,673 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 2,070 |
| Cost of funding earning assets | 0.7587% | 611 |
| Net interest margin | 3.5731% | 3,187 |
| Noninterest income to average assets | 0.4107% | 3,841 |
| Noninterest expense to average assets | 2.4761% | 4,061 |
| Loan and lease loss provision to assets | 0.2500% | 756 |
| Net operating income to assets | 0.9642% | 2,595 |
| Return on assets (ROA) | 0.9642% | 2,732 |
| Pretax return on assets | 0.9642% | 3,764 |
| Return on Equity (ROE) | 7.5541% | 3,264 |
| Retained earnings to average equity (ytd only) | 3.1242% | 4,044 |
| Net charge-offs to loans | -0.0650% | 5,444 |
| Credit loss provision to net charge-offs | -600.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0968% | 3,402 |
| Assets per employee ($millions) | 4.2662% | 3,472 |
| Cash dividends to net income (ytd only)* | 58.6416% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2110% | 506 |
| Loan loss allowance to noncurrent loans | 63.3803% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.5690% | 523 |
| Noncurrent loans to loans | 3.4885% | 371 |
| Net loans and leases to total assets | 65.3134% | 3,235 |
| Net loans and leases to deposits | 92.8119% | 1,394 |
| Net loans and leases to core deposits | 92.8119% | 2,303 |
| Total domestic deposits to total assets | 70.3718% | 5,676 |
| Equity capital to assets | 13.6515% | 1,178 |
| Core capital (leverage) ratio | 13.4670% | 1,013 |
| Tier 1 risk-based capital ratio | 17.9873% | 1,928 |
| Total risk-based capital ratio | 19.2421% | 1,891 |
| Memoranda: | ||
| Average total assets | $22,400,250 | 5,876 |
| Average earning assets | $20,560,750 | 5,855 |
| Average equity | $2,859,250 | 5,833 |
| Average total loans | $14,355,250 | 5,732 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,343 |
| Cost of funding earning assets | 0.7365% | 676 |
| Net interest margin | 3.5105% | 3,452 |
| Noninterest income to average assets | 0.4219% | 3,720 |
| Noninterest expense to average assets | 2.4696% | 4,120 |
| Loan and lease loss provision to assets | 0.2900% | 631 |
| Net operating income to assets | 0.8877% | 2,924 |
| Return on assets (ROA) | 0.8877% | 3,046 |
| Pretax return on assets | 0.8877% | 3,997 |
| Return on Equity (ROE) | 7.1085% | 3,479 |
| Retained earnings to average equity (ytd only) | 1.9003% | 4,605 |
| Net charge-offs to loans | -0.0834% | 5,558 |
| Credit loss provision to net charge-offs | -550.0000% | 4,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7108% | 3,401 |
| Assets per employee ($millions) | 4.2480% | 3,467 |
| Cash dividends to net income (ytd only)* | 73.2673% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0660% | 653 |
| Loan loss allowance to noncurrent loans | 46.0725% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 4.1337% | 207 |
| Noncurrent loans to loans | 4.4842% | 234 |
| Net loans and leases to total assets | 68.0697% | 2,768 |
| Net loans and leases to deposits | 96.6961% | 1,002 |
| Net loans and leases to core deposits | 96.6961% | 1,917 |
| Total domestic deposits to total assets | 70.3955% | 5,765 |
| Equity capital to assets | 13.5405% | 1,218 |
| Core capital (leverage) ratio | 13.0624% | 1,122 |
| Tier 1 risk-based capital ratio | 17.1052% | 2,174 |
| Total risk-based capital ratio | 18.3572% | 2,137 |
| Memoranda: | ||
| Average total assets | $22,756,670 | 5,939 |
| Average earning assets | $20,909,000 | 5,922 |
| Average equity | $2,841,670 | 5,907 |
| Average total loans | $14,391,330 | 5,804 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 2,933 |
| Cost of funding earning assets | 0.6860% | 865 |
| Net interest margin | 3.3927% | 3,899 |
| Noninterest income to average assets | 0.4253% | 3,646 |
| Noninterest expense to average assets | 2.3644% | 4,476 |
| Loan and lease loss provision to assets | 0.1531% | 1,379 |
| Net operating income to assets | 1.0206% | 2,190 |
| Return on assets (ROA) | 1.0206% | 2,311 |
| Pretax return on assets | 1.0206% | 3,401 |
| Return on Equity (ROE) | 8.4971% | 2,664 |
| Retained earnings to average equity (ytd only) | 4.9566% | 2,971 |
| Net charge-offs to loans | -0.0845% | 5,569 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8269% | 3,663 |
| Assets per employee ($millions) | 4.6776% | 2,783 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 706 |
| Loan loss allowance to noncurrent loans | 37.2654% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 4.1774% | 231 |
| Noncurrent loans to loans | 5.5947% | 163 |
| Net loans and leases to total assets | 55.8235% | 4,276 |
| Net loans and leases to deposits | 75.1511% | 3,310 |
| Net loans and leases to core deposits | 75.1511% | 3,769 |
| Total domestic deposits to total assets | 74.2817% | 5,593 |
| Equity capital to assets | 12.2028% | 1,894 |
| Core capital (leverage) ratio | 12.1305% | 1,531 |
| Tier 1 risk-based capital ratio | 17.6665% | 2,082 |
| Total risk-based capital ratio | 18.9186% | 2,044 |
| Memoranda: | ||
| Average total assets | $23,515,000 | 5,991 |
| Average earning assets | $21,575,500 | 5,974 |
| Average equity | $2,824,500 | 5,963 |
| Average total loans | $14,205,500 | 5,867 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,181 |
| Cost of funding earning assets | 0.6690% | 965 |
| Net interest margin | 3.3636% | 4,061 |
| Noninterest income to average assets | 0.3636% | 4,305 |
| Noninterest expense to average assets | 2.3443% | 4,665 |
| Loan and lease loss provision to assets | 0.3166% | 522 |
| Net operating income to assets | 0.7786% | 3,428 |
| Return on assets (ROA) | 0.7957% | 3,438 |
| Pretax return on assets | 0.7957% | 4,205 |
| Return on Equity (ROE) | 6.7543% | 3,649 |
| Retained earnings to average equity (ytd only) | 3.8492% | 3,297 |
| Net charge-offs to loans | 0.2210% | 1,340 |
| Credit loss provision to net charge-offs | 238.7097% | 1,195 |
| Earnings coverage of net charge-offs (x) | 8.2581% | 2,979 |
| Efficiency ratio | 68.1592% | 3,543 |
| Assets per employee ($millions) | 4.7284% | 2,695 |
| Cash dividends to net income (ytd only)* | 43.0108% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 1,206 |
| Loan loss allowance to noncurrent loans | 89.2617% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.2375% | 747 |
| Noncurrent loans to loans | 1.9765% | 1,066 |
| Net loans and leases to total assets | 62.6470% | 3,473 |
| Net loans and leases to deposits | 82.6000% | 2,524 |
| Net loans and leases to core deposits | 82.6000% | 3,087 |
| Total domestic deposits to total assets | 75.8438% | 5,462 |
| Equity capital to assets | 11.8222% | 2,094 |
| Core capital (leverage) ratio | 11.7553% | 1,777 |
| Tier 1 risk-based capital ratio | 16.3571% | 2,544 |
| Total risk-based capital ratio | 17.6072% | 2,502 |
| Memoranda: | ||
| Average total assets | $23,375,600 | 6,053 |
| Average earning assets | $21,375,800 | 6,038 |
| Average equity | $2,753,800 | 6,025 |
| Average total loans | $14,028,000 | 5,923 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,272 |
| Cost of funding earning assets | 0.6622% | 1,018 |
| Net interest margin | 3.3548% | 4,126 |
| Noninterest income to average assets | 0.3889% | 4,161 |
| Noninterest expense to average assets | 2.3281% | 4,709 |
| Loan and lease loss provision to assets | 0.2746% | 583 |
| Net operating income to assets | 0.8580% | 3,134 |
| Return on assets (ROA) | 0.8580% | 3,225 |
| Pretax return on assets | 0.8580% | 4,143 |
| Return on Equity (ROE) | 7.2900% | 3,476 |
| Retained earnings to average equity (ytd only) | 3.4019% | 4,050 |
| Net charge-offs to loans | 0.3196% | 834 |
| Credit loss provision to net charge-offs | 145.4545% | 1,723 |
| Earnings coverage of net charge-offs (x) | 5.9998% | 3,119 |
| Efficiency ratio | 67.2727% | 3,667 |
| Assets per employee ($millions) | 4.8146% | 2,542 |
| Cash dividends to net income (ytd only)* | 53.3300% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 1,407 |
| Loan loss allowance to noncurrent loans | 64.1509% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.3013% | 797 |
| Noncurrent loans to loans | 2.6958% | 717 |
| Net loans and leases to total assets | 56.1791% | 4,332 |
| Net loans and leases to deposits | 73.6963% | 3,572 |
| Net loans and leases to core deposits | 73.6963% | 4,045 |
| Total domestic deposits to total assets | 76.2306% | 5,453 |
| Equity capital to assets | 11.5108% | 2,499 |
| Core capital (leverage) ratio | 11.0764% | 2,407 |
| Tier 1 risk-based capital ratio | 17.3064% | 2,253 |
| Total risk-based capital ratio | 18.5586% | 2,207 |
| Memoranda: | ||
| Average total assets | $23,309,000 | 6,139 |
| Average earning assets | $21,342,000 | 6,120 |
| Average equity | $2,743,500 | 6,110 |
| Average total loans | $13,765,750 | 6,009 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,130 |
| Cost of funding earning assets | 0.6477% | 1,120 |
| Net interest margin | 3.3909% | 3,935 |
| Noninterest income to average assets | 0.4598% | 3,634 |
| Noninterest expense to average assets | 2.3857% | 4,596 |
| Loan and lease loss provision to assets | 0.3644% | 351 |
| Net operating income to assets | 0.7981% | 3,402 |
| Return on assets (ROA) | 0.7981% | 3,490 |
| Pretax return on assets | 0.7981% | 4,317 |
| Return on Equity (ROE) | 6.7293% | 3,769 |
| Retained earnings to average equity (ytd only) | 2.5600% | 4,427 |
| Net charge-offs to loans | 0.3051% | 870 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 6.3810% | 2,791 |
| Efficiency ratio | 67.2372% | 3,795 |
| Assets per employee ($millions) | 5.1482% | 2,101 |
| Cash dividends to net income (ytd only)* | 61.9565% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 1,388 |
| Loan loss allowance to noncurrent loans | 69.2308% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.2843% | 892 |
| Noncurrent loans to loans | 2.5866% | 853 |
| Net loans and leases to total assets | 51.7734% | 4,777 |
| Net loans and leases to deposits | 67.0777% | 4,222 |
| Net loans and leases to core deposits | 68.8094% | 4,428 |
| Total domestic deposits to total assets | 77.1843% | 5,429 |
| Equity capital to assets | 10.5862% | 3,345 |
| Core capital (leverage) ratio | 11.1927% | 2,252 |
| Tier 1 risk-based capital ratio | 16.6311% | 2,548 |
| Total risk-based capital ratio | 17.8804% | 2,504 |
| Memoranda: | ||
| Average total assets | $23,054,330 | 6,215 |
| Average earning assets | $20,997,330 | 6,194 |
| Average equity | $2,734,330 | 6,179 |
| Average total loans | $13,767,000 | 6,070 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,055 |
| Cost of funding earning assets | 0.6776% | 963 |
| Net interest margin | 3.6344% | 2,880 |
| Noninterest income to average assets | 0.4237% | 3,816 |
| Noninterest expense to average assets | 2.5793% | 4,002 |
| Loan and lease loss provision to assets | 0.1105% | 1,871 |
| Net operating income to assets | 0.9949% | 2,291 |
| Return on assets (ROA) | 0.9949% | 2,420 |
| Pretax return on assets | 0.9949% | 3,530 |
| Return on Equity (ROE) | 7.8861% | 3,011 |
| Retained earnings to average equity (ytd only) | 5.6955% | 2,660 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 3,490 |
| Assets per employee ($millions) | 4.3074% | 3,358 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 1,623 |
| Loan loss allowance to noncurrent loans | 69.8171% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.8370% | 694 |
| Noncurrent loans to loans | 2.4981% | 968 |
| Net loans and leases to total assets | 59.9016% | 3,667 |
| Net loans and leases to deposits | 80.0310% | 2,554 |
| Net loans and leases to core deposits | 88.2421% | 2,303 |
| Total domestic deposits to total assets | 74.8479% | 5,840 |
| Equity capital to assets | 12.8384% | 1,488 |
| Core capital (leverage) ratio | 12.8485% | 1,217 |
| Tier 1 risk-based capital ratio | 17.7941% | 2,203 |
| Total risk-based capital ratio | 19.0442% | 2,160 |
| Memoranda: | ||
| Average total assets | $21,711,000 | 6,300 |
| Average earning assets | $19,480,500 | 6,289 |
| Average equity | $2,739,000 | 6,241 |
| Average total loans | $13,865,500 | 6,123 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 1,465 |
| Cost of funding earning assets | 0.7430% | 878 |
| Net interest margin | 3.8906% | 2,275 |
| Noninterest income to average assets | 0.4995% | 3,518 |
| Noninterest expense to average assets | 2.8431% | 3,331 |
| Loan and lease loss provision to assets | 0.2497% | 913 |
| Net operating income to assets | 0.7012% | 3,889 |
| Return on assets (ROA) | 0.7012% | 4,007 |
| Pretax return on assets | 0.7012% | 4,626 |
| Return on Equity (ROE) | 5.4474% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.3953% | 3,798 |
| Net charge-offs to loans | 0.3356% | 1,310 |
| Credit loss provision to net charge-offs | 120.9302% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.6047% | 3,609 |
| Efficiency ratio | 74.9367% | 2,673 |
| Assets per employee ($millions) | 4.3770% | 3,226 |
| Cash dividends to net income (ytd only)* | 37.6712% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 2,351 |
| Loan loss allowance to noncurrent loans | 69.6875% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.7645% | 787 |
| Noncurrent loans to loans | 2.1916% | 1,217 |
| Net loans and leases to total assets | 65.6980% | 2,947 |
| Net loans and leases to deposits | 90.9770% | 1,403 |
| Net loans and leases to core deposits | 97.1224% | 1,626 |
| Total domestic deposits to total assets | 72.2138% | 6,068 |
| Equity capital to assets | 12.3966% | 1,707 |
| Core capital (leverage) ratio | 12.6848% | 1,261 |
| Tier 1 risk-based capital ratio | 16.5165% | 2,704 |
| Total risk-based capital ratio | 17.7672% | 2,657 |
| Memoranda: | ||
| Average total assets | $20,822,400 | 6,397 |
| Average earning assets | $17,632,400 | 6,403 |
| Average equity | $2,680,200 | 6,323 |
| Average total loans | $12,813,400 | 6,234 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 1,502 |
| Cost of funding earning assets | 0.7569% | 867 |
| Net interest margin | 3.8696% | 2,354 |
| Noninterest income to average assets | 0.6291% | 2,694 |
| Noninterest expense to average assets | 2.9252% | 3,040 |
| Loan and lease loss provision to assets | 0.0584% | 3,204 |
| Net operating income to assets | 0.8951% | 2,934 |
| Return on assets (ROA) | 0.8951% | 3,031 |
| Pretax return on assets | 0.8951% | 4,011 |
| Return on Equity (ROE) | 6.8862% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.1415% | 3,708 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4181% | 2,591 |
| Assets per employee ($millions) | 4.1864% | 3,513 |
| Cash dividends to net income (ytd only)* | 39.8533% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 2,086 |
| Loan loss allowance to noncurrent loans | 48.3731% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.5257% | 602 |
| Noncurrent loans to loans | 3.4385% | 705 |
| Net loans and leases to total assets | 62.9849% | 3,343 |
| Net loans and leases to deposits | 91.9771% | 1,234 |
| Net loans and leases to core deposits | 98.8751% | 1,458 |
| Total domestic deposits to total assets | 68.4789% | 6,329 |
| Equity capital to assets | 12.9801% | 1,432 |
| Core capital (leverage) ratio | 13.0638% | 1,150 |
| Tier 1 risk-based capital ratio | 17.6668% | 2,329 |
| Total risk-based capital ratio | 18.9170% | 2,288 |
| Memoranda: | ||
| Average total assets | $20,556,750 | 6,477 |
| Average earning assets | $17,262,250 | 6,484 |
| Average equity | $2,672,000 | 6,394 |
| Average total loans | $12,366,500 | 6,316 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 1,538 |
| Cost of funding earning assets | 0.7681% | 844 |
| Net interest margin | 3.8286% | 2,452 |
| Noninterest income to average assets | 0.6558% | 2,509 |
| Noninterest expense to average assets | 3.1128% | 2,446 |
| Loan and lease loss provision to assets | 0.0587% | 3,104 |
| Net operating income to assets | 0.6558% | 4,063 |
| Return on assets (ROA) | 0.6558% | 4,162 |
| Pretax return on assets | 0.6558% | 4,769 |
| Return on Equity (ROE) | 5.0433% | 4,651 |
| Retained earnings to average equity (ytd only) | 2.7098% | 4,476 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3299% | 1,832 |
| Assets per employee ($millions) | 4.1352% | 3,575 |
| Cash dividends to net income (ytd only)* | 46.2687% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 1,904 |
| Loan loss allowance to noncurrent loans | 65.0888% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.9793% | 855 |
| Noncurrent loans to loans | 2.7295% | 1,110 |
| Net loans and leases to total assets | 58.8267% | 3,887 |
| Net loans and leases to deposits | 88.1249% | 1,579 |
| Net loans and leases to core deposits | 88.1249% | 2,304 |
| Total domestic deposits to total assets | 66.7537% | 6,460 |
| Equity capital to assets | 12.9474% | 1,399 |
| Core capital (leverage) ratio | 12.8795% | 1,209 |
| Tier 1 risk-based capital ratio | 18.5362% | 2,052 |
| Total risk-based capital ratio | 19.7865% | 2,010 |
| Memoranda: | ||
| Average total assets | $20,431,670 | 6,545 |
| Average earning assets | $16,925,330 | 6,557 |
| Average equity | $2,657,000 | 6,452 |
| Average total loans | $12,019,670 | 6,379 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 1,756 |
| Cost of funding earning assets | 0.7649% | 904 |
| Net interest margin | 3.7526% | 2,666 |
| Noninterest income to average assets | 0.6499% | 2,464 |
| Noninterest expense to average assets | 2.9937% | 2,875 |
| Loan and lease loss provision to assets | 0.0591% | 2,924 |
| Net operating income to assets | 0.6893% | 3,743 |
| Return on assets (ROA) | 0.6893% | 3,818 |
| Pretax return on assets | 0.6893% | 4,522 |
| Return on Equity (ROE) | 5.2890% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.2890% | 2,924 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,209 |
| Assets per employee ($millions) | 4.0684% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 1,802 |
| Loan loss allowance to noncurrent loans | 53.7129% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.1757% | 856 |
| Noncurrent loans to loans | 3.5076% | 829 |
| Net loans and leases to total assets | 55.5550% | 4,201 |
| Net loans and leases to deposits | 75.6426% | 2,852 |
| Net loans and leases to core deposits | 75.6426% | 3,445 |
| Total domestic deposits to total assets | 73.4441% | 6,281 |
| Equity capital to assets | 13.1157% | 1,256 |
| Core capital (leverage) ratio | 13.2456% | 1,073 |
| Tier 1 risk-based capital ratio | 19.4313% | 1,850 |
| Total risk-based capital ratio | 20.6615% | 1,828 |
| Memoranda: | ||
| Average total assets | $20,309,500 | 6,617 |
| Average earning assets | $16,735,000 | 6,629 |
| Average equity | $2,647,000 | 6,513 |
| Average total loans | $11,838,000 | 6,448 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 1,852 |
| Cost of funding earning assets | 0.7439% | 1,536 |
| Net interest margin | 3.8636% | 2,416 |
| Noninterest income to average assets | 0.3579% | 4,741 |
| Noninterest expense to average assets | 3.3733% | 1,941 |
| Loan and lease loss provision to assets | 0.0588% | 3,962 |
| Net operating income to assets | 0.0834% | 6,077 |
| Return on assets (ROA) | 0.0834% | 6,126 |
| Pretax return on assets | 0.0834% | 6,110 |
| Return on Equity (ROE) | 0.6376% | 6,144 |
| Retained earnings to average equity (ytd only) | -0.0375% | 5,874 |
| Net charge-offs to loans | 0.3202% | 2,079 |
| Credit loss provision to net charge-offs | 31.5789% | 4,221 |
| Earnings coverage of net charge-offs (x) | 0.7632% | 4,834 |
| Efficiency ratio | 95.9554% | 644 |
| Assets per employee ($millions) | 2.8967% | 5,992 |
| Cash dividends to net income (ytd only)* | 105.8824% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7602% | 2,187 |
| Loan loss allowance to noncurrent loans | 63.5015% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.3042% | 913 |
| Noncurrent loans to loans | 2.7718% | 1,283 |
| Net loans and leases to total assets | 58.9042% | 3,888 |
| Net loans and leases to deposits | 82.8351% | 2,088 |
| Net loans and leases to core deposits | 85.8108% | 2,469 |
| Total domestic deposits to total assets | 71.1101% | 6,473 |
| Equity capital to assets | 12.9506% | 1,296 |
| Core capital (leverage) ratio | 12.9657% | 1,153 |
| Tier 1 risk-based capital ratio | 18.2795% | 2,157 |
| Total risk-based capital ratio | 19.5295% | 2,116 |
| Memoranda: | ||
| Average total assets | $20,395,400 | 6,694 |
| Average earning assets | $16,668,400 | 6,707 |
| Average equity | $2,666,400 | 6,592 |
| Average total loans | $11,867,400 | 6,525 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 1,903 |
| Cost of funding earning assets | 0.7519% | 1,596 |
| Net interest margin | 3.8476% | 2,474 |
| Noninterest income to average assets | 0.2872% | 5,394 |
| Noninterest expense to average assets | 3.2704% | 2,146 |
| Loan and lease loss provision to assets | 0.0588% | 3,873 |
| Net operating income to assets | 0.0979% | 6,144 |
| Return on assets (ROA) | 0.0979% | 6,202 |
| Pretax return on assets | 0.0979% | 6,213 |
| Return on Equity (ROE) | 0.7472% | 6,223 |
| Retained earnings to average equity (ytd only) | -0.1494% | 5,968 |
| Net charge-offs to loans | 0.4296% | 1,492 |
| Credit loss provision to net charge-offs | 23.6842% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6315% | 4,642 |
| Efficiency ratio | 95.4286% | 652 |
| Assets per employee ($millions) | 2.8224% | 6,121 |
| Cash dividends to net income (ytd only)* | 120.0000% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,245 |
| Loan loss allowance to noncurrent loans | 49.6471% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.8417% | 842 |
| Noncurrent loans to loans | 3.6622% | 1,010 |
| Net loans and leases to total assets | 57.6707% | 4,064 |
| Net loans and leases to deposits | 77.5102% | 2,737 |
| Net loans and leases to core deposits | 77.5102% | 3,422 |
| Total domestic deposits to total assets | 74.4040% | 6,340 |
| Equity capital to assets | 13.3370% | 1,190 |
| Core capital (leverage) ratio | 13.1195% | 1,157 |
| Tier 1 risk-based capital ratio | 18.7694% | 2,056 |
| Total risk-based capital ratio | 20.0245% | 2,024 |
| Memoranda: | ||
| Average total assets | $20,425,000 | 6,769 |
| Average earning assets | $16,668,000 | 6,783 |
| Average equity | $2,676,500 | 6,667 |
| Average total loans | $11,794,750 | 6,596 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,186 |
| Cost of funding earning assets | 0.7606% | 1,643 |
| Net interest margin | 3.7436% | 2,792 |
| Noninterest income to average assets | 0.3293% | 5,059 |
| Noninterest expense to average assets | 3.3030% | 2,063 |
| Loan and lease loss provision to assets | 0.0581% | 3,845 |
| Net operating income to assets | 0.0194% | 6,284 |
| Return on assets (ROA) | 0.0194% | 6,353 |
| Pretax return on assets | 0.0194% | 6,332 |
| Return on Equity (ROE) | 0.1487% | 6,354 |
| Retained earnings to average equity (ytd only) | -1.1894% | 6,074 |
| Net charge-offs to loans | 0.6072% | 1,089 |
| Credit loss provision to net charge-offs | 16.6667% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.2222% | 4,470 |
| Efficiency ratio | 97.7077% | 581 |
| Assets per employee ($millions) | 2.7859% | 6,179 |
| Cash dividends to net income (ytd only)* | 900.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 2,157 |
| Loan loss allowance to noncurrent loans | 40.9357% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 4.7177% | 675 |
| Noncurrent loans to loans | 4.6038% | 750 |
| Net loans and leases to total assets | 56.0638% | 4,277 |
| Net loans and leases to deposits | 75.1667% | 2,995 |
| Net loans and leases to core deposits | 75.1667% | 3,651 |
| Total domestic deposits to total assets | 74.5859% | 6,394 |
| Equity capital to assets | 13.4352% | 1,169 |
| Core capital (leverage) ratio | 12.9776% | 1,172 |
| Tier 1 risk-based capital ratio | 18.9959% | 1,990 |
| Total risk-based capital ratio | 20.3171% | 1,939 |
| Memoranda: | ||
| Average total assets | $20,647,670 | 6,814 |
| Average earning assets | $16,828,670 | 6,829 |
| Average equity | $2,690,330 | 6,719 |
| Average total loans | $11,858,000 | 6,635 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 2,496 |
| Cost of funding earning assets | 0.7848% | 1,617 |
| Net interest margin | 3.6241% | 3,167 |
| Noninterest income to average assets | 0.6032% | 3,118 |
| Noninterest expense to average assets | 2.9216% | 3,261 |
| Loan and lease loss provision to assets | 0.0565% | 3,692 |
| Net operating income to assets | 0.5843% | 4,293 |
| Return on assets (ROA) | 0.5843% | 4,441 |
| Pretax return on assets | 0.5843% | 5,007 |
| Return on Equity (ROE) | 4.5496% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.5496% | 3,504 |
| Net charge-offs to loans | 1.0478% | 583 |
| Credit loss provision to net charge-offs | 9.3750% | 3,149 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 3,483 |
| Efficiency ratio | 82.0106% | 2,036 |
| Assets per employee ($millions) | 2.9293% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,357 |
| Loan loss allowance to noncurrent loans | 40.8124% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 5.2524% | 673 |
| Noncurrent loans to loans | 4.6144% | 883 |
| Net loans and leases to total assets | 53.6113% | 4,474 |
| Net loans and leases to deposits | 70.0503% | 3,472 |
| Net loans and leases to core deposits | 70.0503% | 4,078 |
| Total domestic deposits to total assets | 76.5326% | 6,302 |
| Equity capital to assets | 13.3089% | 1,293 |
| Core capital (leverage) ratio | 12.4959% | 1,340 |
| Tier 1 risk-based capital ratio | 18.9228% | 2,064 |
| Total risk-based capital ratio | 20.1005% | 2,059 |
| Memoranda: | ||
| Average total assets | $21,221,000 | 6,882 |
| Average earning assets | $17,328,500 | 6,893 |
| Average equity | $2,725,500 | 6,779 |
| Average total loans | $12,215,500 | 6,690 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 1,242 |
| Cost of funding earning assets | 1.0051% | 1,331 |
| Net interest margin | 4.1245% | 1,902 |
| Noninterest income to average assets | 0.0759% | 6,597 |
| Noninterest expense to average assets | 3.0015% | 3,267 |
| Loan and lease loss provision to assets | 0.0569% | 5,067 |
| Net operating income to assets | 0.4030% | 5,093 |
| Return on assets (ROA) | 0.4030% | 5,339 |
| Pretax return on assets | 0.4030% | 5,570 |
| Return on Equity (ROE) | 3.1972% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.0688% | 4,768 |
| Net charge-offs to loans | 0.1293% | 4,388 |
| Credit loss provision to net charge-offs | 70.5882% | 4,138 |
| Earnings coverage of net charge-offs (x) | 5.7059% | 2,969 |
| Efficiency ratio | 86.7123% | 1,353 |
| Assets per employee ($millions) | 3.1339% | 5,775 |
| Cash dividends to net income (ytd only)* | 35.2941% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,544 |
| Loan loss allowance to noncurrent loans | 42.7807% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 5.3289% | 712 |
| Noncurrent loans to loans | 4.2413% | 1,057 |
| Net loans and leases to total assets | 59.2013% | 3,752 |
| Net loans and leases to deposits | 78.8668% | 2,415 |
| Net loans and leases to core deposits | 83.9659% | 2,558 |
| Total domestic deposits to total assets | 75.0650% | 6,438 |
| Equity capital to assets | 12.4083% | 1,777 |
| Core capital (leverage) ratio | 12.1144% | 1,497 |
| Tier 1 risk-based capital ratio | 16.0989% | 3,108 |
| Total risk-based capital ratio | 17.3663% | 3,049 |
| Memoranda: | ||
| Average total assets | $21,089,600 | 6,944 |
| Average earning assets | $17,311,200 | 6,947 |
| Average equity | $2,658,600 | 6,849 |
| Average total loans | $13,148,600 | 6,730 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 1,252 |
| Cost of funding earning assets | 1.0328% | 1,378 |
| Net interest margin | 4.1390% | 1,941 |
| Noninterest income to average assets | 0.0511% | 6,797 |
| Noninterest expense to average assets | 3.0526% | 3,050 |
| Loan and lease loss provision to assets | 0.0575% | 5,012 |
| Net operating income to assets | 0.3449% | 5,451 |
| Return on assets (ROA) | 0.3449% | 5,656 |
| Pretax return on assets | 0.3449% | 5,857 |
| Return on Equity (ROE) | 2.7244% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.7244% | 4,915 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3549% | 1,158 |
| Assets per employee ($millions) | 3.0123% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,460 |
| Loan loss allowance to noncurrent loans | 27.0213% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 5.6293% | 746 |
| Noncurrent loans to loans | 7.0459% | 513 |
| Net loans and leases to total assets | 62.0649% | 3,364 |
| Net loans and leases to deposits | 82.9183% | 2,005 |
| Net loans and leases to core deposits | 87.0551% | 2,339 |
| Total domestic deposits to total assets | 74.8506% | 6,533 |
| Equity capital to assets | 12.9422% | 1,618 |
| Core capital (leverage) ratio | 12.4784% | 1,419 |
| Tier 1 risk-based capital ratio | 15.4591% | 3,565 |
| Total risk-based capital ratio | 16.7132% | 3,517 |
| Memoranda: | ||
| Average total assets | $20,877,750 | 7,038 |
| Average earning assets | $17,169,500 | 7,045 |
| Average equity | $2,642,750 | 6,938 |
| Average total loans | $13,129,000 | 6,825 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 1,378 |
| Cost of funding earning assets | 1.0627% | 1,395 |
| Net interest margin | 4.0874% | 2,140 |
| Noninterest income to average assets | -0.1153% | 7,104 |
| Noninterest expense to average assets | 3.1141% | 2,881 |
| Loan and lease loss provision to assets | 0.0577% | 4,938 |
| Net operating income to assets | 0.0769% | 6,213 |
| Return on assets (ROA) | 0.0769% | 6,352 |
| Pretax return on assets | 0.0769% | 6,358 |
| Return on Equity (ROE) | 0.6121% | 6,368 |
| Retained earnings to average equity (ytd only) | 0.6121% | 5,819 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8580% | 708 |
| Assets per employee ($millions) | 2.9431% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 2,528 |
| Loan loss allowance to noncurrent loans | 26.5328% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 5.8441% | 741 |
| Noncurrent loans to loans | 7.1906% | 531 |
| Net loans and leases to total assets | 62.6395% | 3,300 |
| Net loans and leases to deposits | 83.4465% | 1,922 |
| Net loans and leases to core deposits | 83.4465% | 2,760 |
| Total domestic deposits to total assets | 75.0655% | 6,582 |
| Equity capital to assets | 12.7852% | 1,636 |
| Core capital (leverage) ratio | 12.4271% | 1,386 |
| Tier 1 risk-based capital ratio | 15.5314% | 3,418 |
| Total risk-based capital ratio | 16.7831% | 3,383 |
| Memoranda: | ||
| Average total assets | $20,808,330 | 7,099 |
| Average earning assets | $17,125,670 | 7,110 |
| Average equity | $2,614,000 | 6,986 |
| Average total loans | $13,058,330 | 6,878 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 1,333 |
| Cost of funding earning assets | 1.1226% | 1,285 |
| Net interest margin | 4.0693% | 2,215 |
| Noninterest income to average assets | 0.4399% | 4,374 |
| Noninterest expense to average assets | 3.0988% | 2,918 |
| Loan and lease loss provision to assets | 0.0765% | 4,438 |
| Net operating income to assets | 0.5930% | 4,377 |
| Return on assets (ROA) | 0.5930% | 4,594 |
| Pretax return on assets | 0.5930% | 5,143 |
| Return on Equity (ROE) | 4.7619% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.7619% | 3,700 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2335% | 1,910 |
| Assets per employee ($millions) | 2.9333% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 2,394 |
| Loan loss allowance to noncurrent loans | 31.3997% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 6.1511% | 749 |
| Noncurrent loans to loans | 6.3283% | 762 |
| Net loans and leases to total assets | 59.8159% | 3,712 |
| Net loans and leases to deposits | 79.8466% | 2,220 |
| Net loans and leases to core deposits | 79.8466% | 3,087 |
| Total domestic deposits to total assets | 74.9136% | 6,655 |
| Equity capital to assets | 12.9353% | 1,467 |
| Core capital (leverage) ratio | 12.3374% | 1,416 |
| Tier 1 risk-based capital ratio | 15.9318% | 3,210 |
| Total risk-based capital ratio | 17.1854% | 3,176 |
| Memoranda: | ||
| Average total assets | $20,911,500 | 7,159 |
| Average earning assets | $17,103,500 | 7,171 |
| Average equity | $2,604,000 | 7,044 |
| Average total loans | $13,009,500 | 6,939 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 1,140 |
| Cost of funding earning assets | 1.3435% | 1,273 |
| Net interest margin | 4.1685% | 2,164 |
| Noninterest income to average assets | 0.5073% | 3,795 |
| Noninterest expense to average assets | 3.2925% | 2,544 |
| Loan and lease loss provision to assets | 0.1317% | 4,967 |
| Net operating income to assets | 0.4731% | 4,531 |
| Return on assets (ROA) | 0.5219% | 4,542 |
| Pretax return on assets | 0.5219% | 4,926 |
| Return on Equity (ROE) | 4.1495% | 4,778 |
| Retained earnings to average equity (ytd only) | 1.9003% | 4,850 |
| Net charge-offs to loans | 0.1639% | 4,840 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 5.9048% | 2,650 |
| Efficiency ratio | 84.4806% | 1,712 |
| Assets per employee ($millions) | 3.0414% | 6,004 |
| Cash dividends to net income (ytd only)* | 54.2056% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 2,842 |
| Loan loss allowance to noncurrent loans | 31.6883% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 5.8760% | 846 |
| Noncurrent loans to loans | 5.7088% | 909 |
| Net loans and leases to total assets | 62.2076% | 3,560 |
| Net loans and leases to deposits | 82.0570% | 2,188 |
| Net loans and leases to core deposits | 87.4884% | 2,438 |
| Total domestic deposits to total assets | 75.8102% | 6,509 |
| Equity capital to assets | 11.9868% | 2,139 |
| Core capital (leverage) ratio | 12.2795% | 1,452 |
| Tier 1 risk-based capital ratio | 14.7625% | 3,788 |
| Total risk-based capital ratio | 16.0139% | 3,764 |
| Memoranda: | ||
| Average total assets | $20,501,000 | 7,198 |
| Average earning assets | $16,672,600 | 7,218 |
| Average equity | $2,578,600 | 7,105 |
| Average total loans | $12,811,200 | 7,000 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 1,116 |
| Cost of funding earning assets | 1.3981% | 1,243 |
| Net interest margin | 4.1620% | 2,233 |
| Noninterest income to average assets | 0.4859% | 3,988 |
| Noninterest expense to average assets | 3.1914% | 2,851 |
| Loan and lease loss provision to assets | 0.1511% | 4,563 |
| Net operating income to assets | 0.5253% | 4,429 |
| Return on assets (ROA) | 0.5910% | 4,311 |
| Pretax return on assets | 0.5910% | 4,840 |
| Return on Equity (ROE) | 4.6417% | 4,700 |
| Retained earnings to average equity (ytd only) | 3.0426% | 4,513 |
| Net charge-offs to loans | -0.0316% | 6,978 |
| Credit loss provision to net charge-offs | -766.6667% | 6,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5127% | 1,902 |
| Assets per employee ($millions) | 2.8874% | 6,336 |
| Cash dividends to net income (ytd only)* | 34.4417% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 2,079 |
| Loan loss allowance to noncurrent loans | 35.6275% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 6.3823% | 817 |
| Noncurrent loans to loans | 5.8726% | 963 |
| Net loans and leases to total assets | 61.1221% | 3,921 |
| Net loans and leases to deposits | 82.8405% | 2,198 |
| Net loans and leases to core deposits | 87.2273% | 2,600 |
| Total domestic deposits to total assets | 73.7829% | 6,787 |
| Equity capital to assets | 12.7400% | 1,761 |
| Core capital (leverage) ratio | 12.4531% | 1,457 |
| Tier 1 risk-based capital ratio | 17.0602% | 2,626 |
| Total risk-based capital ratio | 18.3140% | 2,579 |
| Memoranda: | ||
| Average total assets | $20,303,750 | 7,276 |
| Average earning assets | $16,498,000 | 7,299 |
| Average equity | $2,585,250 | 7,168 |
| Average total loans | $12,642,000 | 7,073 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4894% | 1,320 |
| Cost of funding earning assets | 1.4388% | 1,240 |
| Net interest margin | 4.0505% | 2,608 |
| Noninterest income to average assets | 0.4918% | 3,932 |
| Noninterest expense to average assets | 3.1572% | 3,060 |
| Loan and lease loss provision to assets | 0.1672% | 4,260 |
| Net operating income to assets | 0.4623% | 4,668 |
| Return on assets (ROA) | 0.5606% | 4,386 |
| Pretax return on assets | 0.5606% | 4,878 |
| Return on Equity (ROE) | 4.4038% | 4,737 |
| Retained earnings to average equity (ytd only) | 2.7041% | 4,569 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3766% | 1,898 |
| Assets per employee ($millions) | 2.9813% | 6,126 |
| Cash dividends to net income (ytd only)* | 38.5965% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,456 |
| Loan loss allowance to noncurrent loans | 26.7576% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 7.2452% | 686 |
| Noncurrent loans to loans | 7.3574% | 670 |
| Net loans and leases to total assets | 60.8462% | 4,117 |
| Net loans and leases to deposits | 84.7437% | 1,985 |
| Net loans and leases to core deposits | 89.2089% | 2,473 |
| Total domestic deposits to total assets | 71.8003% | 7,021 |
| Equity capital to assets | 12.6503% | 1,707 |
| Core capital (leverage) ratio | 12.1932% | 1,510 |
| Tier 1 risk-based capital ratio | 15.0833% | 3,454 |
| Total risk-based capital ratio | 16.3393% | 3,417 |
| Memoranda: | ||
| Average total assets | $20,334,330 | 7,341 |
| Average earning assets | $16,541,000 | 7,364 |
| Average equity | $2,588,670 | 7,230 |
| Average total loans | $12,650,000 | 7,139 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3683% | 1,678 |
| Cost of funding earning assets | 1.4708% | 1,293 |
| Net interest margin | 3.8975% | 3,151 |
| Noninterest income to average assets | 0.4585% | 4,203 |
| Noninterest expense to average assets | 3.1096% | 3,206 |
| Loan and lease loss provision to assets | 0.1196% | 4,515 |
| Net operating income to assets | 0.3987% | 4,952 |
| Return on assets (ROA) | 0.5980% | 4,104 |
| Pretax return on assets | 0.5980% | 4,692 |
| Return on Equity (ROE) | 4.6820% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.6820% | 3,385 |
| Net charge-offs to loans | 0.0320% | 4,649 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 2.9563% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 2,621 |
| Loan loss allowance to noncurrent loans | 25.5252% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 7.3983% | 689 |
| Noncurrent loans to loans | 7.5251% | 689 |
| Net loans and leases to total assets | 59.9594% | 4,272 |
| Net loans and leases to deposits | 81.1246% | 2,504 |
| Net loans and leases to core deposits | 85.3077% | 2,987 |
| Total domestic deposits to total assets | 73.9103% | 6,912 |
| Equity capital to assets | 12.4287% | 1,662 |
| Core capital (leverage) ratio | 12.6028% | 1,281 |
| Tier 1 risk-based capital ratio | 16.9595% | 2,495 |
| Total risk-based capital ratio | 18.2135% | 2,465 |
| Memoranda: | ||
| Average total assets | $20,067,000 | 7,404 |
| Average earning assets | $16,318,000 | 7,426 |
| Average equity | $2,563,000 | 7,279 |
| Average total loans | $12,498,500 | 7,201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6234% | 1,810 |
| Cost of funding earning assets | 1.7204% | 1,509 |
| Net interest margin | 3.9030% | 3,468 |
| Noninterest income to average assets | 0.5592% | 3,753 |
| Noninterest expense to average assets | 3.0912% | 3,495 |
| Loan and lease loss provision to assets | 0.4484% | 3,437 |
| Net operating income to assets | 0.2268% | 5,191 |
| Return on assets (ROA) | 0.2796% | 5,171 |
| Pretax return on assets | 0.2796% | 5,288 |
| Return on Equity (ROE) | 2.0705% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.4064% | 4,832 |
| Net charge-offs to loans | 0.9209% | 2,339 |
| Credit loss provision to net charge-offs | 75.2212% | 5,725 |
| Earnings coverage of net charge-offs (x) | 1.1327% | 4,973 |
| Efficiency ratio | 82.0728% | 2,157 |
| Assets per employee ($millions) | 2.7771% | 6,552 |
| Cash dividends to net income (ytd only)* | 32.0755% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,477 |
| Loan loss allowance to noncurrent loans | 24.8175% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 8.0556% | 612 |
| Noncurrent loans to loans | 7.7677% | 677 |
| Net loans and leases to total assets | 62.2840% | 4,227 |
| Net loans and leases to deposits | 85.8115% | 2,138 |
| Net loans and leases to core deposits | 90.6287% | 2,676 |
| Total domestic deposits to total assets | 72.5823% | 7,035 |
| Equity capital to assets | 13.1379% | 1,326 |
| Core capital (leverage) ratio | 13.0109% | 1,127 |
| Tier 1 risk-based capital ratio | 17.3157% | 2,225 |
| Total risk-based capital ratio | 18.5629% | 2,195 |
| Memoranda: | ||
| Average total assets | $18,957,000 | 7,489 |
| Average earning assets | $15,577,800 | 7,509 |
| Average equity | $2,559,800 | 7,382 |
| Average total loans | $12,270,400 | 7,286 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 1,763 |
| Cost of funding earning assets | 1.7493% | 1,627 |
| Net interest margin | 3.9359% | 3,378 |
| Noninterest income to average assets | 0.5734% | 3,629 |
| Noninterest expense to average assets | 3.2207% | 2,856 |
| Loan and lease loss provision to assets | 0.2902% | 4,256 |
| Net operating income to assets | 0.3115% | 5,117 |
| Return on assets (ROA) | 0.3115% | 5,292 |
| Pretax return on assets | 0.3115% | 5,472 |
| Return on Equity (ROE) | 2.2907% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.4056% | 5,243 |
| Net charge-offs to loans | 1.0121% | 1,988 |
| Credit loss provision to net charge-offs | 44.0860% | 5,967 |
| Earnings coverage of net charge-offs (x) | 0.9140% | 5,142 |
| Efficiency ratio | 84.2593% | 1,804 |
| Assets per employee ($millions) | 2.7109% | 6,763 |
| Cash dividends to net income (ytd only)* | 38.6399% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 2,967 |
| Loan loss allowance to noncurrent loans | 18.5864% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 7.9469% | 633 |
| Noncurrent loans to loans | 9.4305% | 482 |
| Net loans and leases to total assets | 62.9163% | 4,343 |
| Net loans and leases to deposits | 85.1812% | 2,490 |
| Net loans and leases to core deposits | 89.9970% | 3,090 |
| Total domestic deposits to total assets | 73.8617% | 6,932 |
| Equity capital to assets | 13.7384% | 1,263 |
| Core capital (leverage) ratio | 13.1739% | 1,164 |
| Tier 1 risk-based capital ratio | 17.6721% | 2,120 |
| Total risk-based capital ratio | 18.9283% | 2,084 |
| Memoranda: | ||
| Average total assets | $18,836,250 | 7,586 |
| Average earning assets | $15,548,500 | 7,602 |
| Average equity | $2,561,250 | 7,478 |
| Average total loans | $12,251,500 | 7,387 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5410% | 2,364 |
| Cost of funding earning assets | 1.7484% | 1,874 |
| Net interest margin | 3.7926% | 3,927 |
| Noninterest income to average assets | 0.7344% | 2,488 |
| Noninterest expense to average assets | 3.2784% | 2,630 |
| Loan and lease loss provision to assets | 0.1384% | 5,511 |
| Net operating income to assets | 0.4577% | 4,515 |
| Return on assets (ROA) | 0.4577% | 4,675 |
| Pretax return on assets | 0.4577% | 5,038 |
| Return on Equity (ROE) | 3.3778% | 5,068 |
| Retained earnings to average equity (ytd only) | 2.0424% | 4,842 |
| Net charge-offs to loans | 1.0908% | 1,729 |
| Credit loss provision to net charge-offs | 19.4030% | 5,860 |
| Earnings coverage of net charge-offs (x) | 0.8358% | 4,933 |
| Efficiency ratio | 84.6154% | 1,853 |
| Assets per employee ($millions) | 2.6894% | 6,793 |
| Cash dividends to net income (ytd only)* | 39.5349% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,894 |
| Loan loss allowance to noncurrent loans | 22.6013% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 6.4804% | 865 |
| Noncurrent loans to loans | 7.7501% | 678 |
| Net loans and leases to total assets | 63.1626% | 4,427 |
| Net loans and leases to deposits | 85.2891% | 2,642 |
| Net loans and leases to core deposits | 90.1380% | 3,234 |
| Total domestic deposits to total assets | 74.0572% | 6,963 |
| Equity capital to assets | 13.6088% | 1,299 |
| Core capital (leverage) ratio | 13.2387% | 1,128 |
| Tier 1 risk-based capital ratio | 18.0153% | 1,956 |
| Total risk-based capital ratio | 19.2675% | 1,923 |
| Memoranda: | ||
| Average total assets | $18,789,670 | 7,658 |
| Average earning assets | $15,556,670 | 7,666 |
| Average equity | $2,546,000 | 7,539 |
| Average total loans | $12,284,670 | 7,442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9495% | 1,078 |
| Cost of funding earning assets | 1.7438% | 2,158 |
| Net interest margin | 4.2057% | 2,016 |
| Noninterest income to average assets | 0.7032% | 2,579 |
| Noninterest expense to average assets | 3.3455% | 2,385 |
| Loan and lease loss provision to assets | 0.1279% | 5,298 |
| Net operating income to assets | 0.7245% | 3,333 |
| Return on assets (ROA) | 0.7245% | 3,445 |
| Pretax return on assets | 0.7245% | 4,152 |
| Return on Equity (ROE) | 5.3586% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.3586% | 2,955 |
| Net charge-offs to loans | 0.5172% | 2,516 |
| Credit loss provision to net charge-offs | 37.5000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,289 |
| Efficiency ratio | 79.6954% | 2,614 |
| Assets per employee ($millions) | 2.6823% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 1,902 |
| Loan loss allowance to noncurrent loans | 18.3453% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 8.9103% | 507 |
| Noncurrent loans to loans | 11.5795% | 318 |
| Net loans and leases to total assets | 62.5746% | 4,641 |
| Net loans and leases to deposits | 83.3913% | 3,045 |
| Net loans and leases to core deposits | 88.0801% | 3,615 |
| Total domestic deposits to total assets | 75.0373% | 6,897 |
| Equity capital to assets | 13.5918% | 1,287 |
| Core capital (leverage) ratio | 13.2975% | 1,128 |
| Tier 1 risk-based capital ratio | 18.2276% | 1,892 |
| Total risk-based capital ratio | 19.4832% | 1,864 |
| Memoranda: | ||
| Average total assets | $18,771,500 | 7,753 |
| Average earning assets | $15,598,000 | 7,766 |
| Average equity | $2,538,000 | 7,620 |
| Average total loans | $12,375,500 | 7,530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1466% | 1,380 |
| Cost of funding earning assets | 2.0901% | 2,515 |
| Net interest margin | 4.0565% | 2,621 |
| Noninterest income to average assets | 0.8568% | 2,153 |
| Noninterest expense to average assets | 3.2659% | 3,136 |
| Loan and lease loss provision to assets | 0.1558% | 6,115 |
| Net operating income to assets | 0.9013% | 2,172 |
| Return on assets (ROA) | 0.9013% | 2,241 |
| Pretax return on assets | 0.9013% | 2,918 |
| Return on Equity (ROE) | 6.5977% | 2,953 |
| Retained earnings to average equity (ytd only) | 2.5250% | 3,380 |
| Net charge-offs to loans | 0.3707% | 4,361 |
| Credit loss provision to net charge-offs | 62.2222% | 6,614 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 3,017 |
| Efficiency ratio | 75.5470% | 3,606 |
| Assets per employee ($millions) | 2.6810% | 6,892 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0789% | 1,860 |
| Loan loss allowance to noncurrent loans | 23.3892% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 7.5505% | 637 |
| Noncurrent loans to loans | 8.8884% | 523 |
| Net loans and leases to total assets | 66.5104% | 4,035 |
| Net loans and leases to deposits | 90.7254% | 2,094 |
| Net loans and leases to core deposits | 117.7881% | 2,150 |
| Total domestic deposits to total assets | 73.3095% | 7,118 |
| Equity capital to assets | 13.4491% | 1,345 |
| Core capital (leverage) ratio | 13.5107% | 1,091 |
| Tier 1 risk-based capital ratio | 17.0462% | 2,137 |
| Total risk-based capital ratio | 18.3058% | 2,097 |
| Memoranda: | ||
| Average total assets | $17,973,800 | 7,829 |
| Average earning assets | $15,358,200 | 7,836 |
| Average equity | $2,455,400 | 7,740 |
| Average total loans | $12,138,000 | 7,594 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5322% | 700 |
| Cost of funding earning assets | 2.1658% | 2,571 |
| Net interest margin | 4.3665% | 1,541 |
| Noninterest income to average assets | 1.0351% | 1,481 |
| Noninterest expense to average assets | 3.3453% | 2,741 |
| Loan and lease loss provision to assets | 0.0675% | 6,691 |
| Net operating income to assets | 1.3726% | 1,078 |
| Return on assets (ROA) | 1.3726% | 1,136 |
| Pretax return on assets | 1.3726% | 1,761 |
| Return on Equity (ROE) | 10.0068% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.2497% | 2,344 |
| Net charge-offs to loans | 0.2225% | 4,655 |
| Credit loss provision to net charge-offs | 45.0000% | 6,374 |
| Earnings coverage of net charge-offs (x) | 9.5984% | 2,085 |
| Efficiency ratio | 69.9060% | 4,610 |
| Assets per employee ($millions) | 2.5257% | 7,189 |
| Cash dividends to net income (ytd only)* | 47.5429% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,383 |
| Loan loss allowance to noncurrent loans | 23.7095% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 8.0826% | 524 |
| Noncurrent loans to loans | 9.3696% | 454 |
| Net loans and leases to total assets | 67.4661% | 4,073 |
| Net loans and leases to deposits | 91.4443% | 2,326 |
| Net loans and leases to core deposits | 121.8884% | 2,081 |
| Total domestic deposits to total assets | 73.7783% | 6,992 |
| Equity capital to assets | 14.4457% | 1,159 |
| Core capital (leverage) ratio | 14.2604% | 1,016 |
| Tier 1 risk-based capital ratio | 17.9602% | 2,002 |
| Total risk-based capital ratio | 19.2189% | 1,943 |
| Memoranda: | ||
| Average total assets | $17,775,500 | 7,913 |
| Average earning assets | $15,267,500 | 7,920 |
| Average equity | $2,438,250 | 7,822 |
| Average total loans | $11,985,750 | 7,676 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4354% | 926 |
| Cost of funding earning assets | 2.2276% | 2,673 |
| Net interest margin | 4.2077% | 1,969 |
| Noninterest income to average assets | 0.7413% | 2,749 |
| Noninterest expense to average assets | 3.3132% | 2,905 |
| Loan and lease loss provision to assets | 0.0674% | 6,530 |
| Net operating income to assets | 0.9884% | 2,148 |
| Return on assets (ROA) | 0.9884% | 2,247 |
| Pretax return on assets | 0.9884% | 3,052 |
| Return on Equity (ROE) | 7.3343% | 3,047 |
| Retained earnings to average equity (ytd only) | 4.0006% | 3,060 |
| Net charge-offs to loans | 0.3357% | 3,497 |
| Credit loss provision to net charge-offs | 30.0000% | 6,029 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 3,033 |
| Efficiency ratio | 75.8355% | 3,722 |
| Assets per employee ($millions) | 2.4773% | 7,292 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2612% | 1,148 |
| Loan loss allowance to noncurrent loans | 22.8669% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 8.4078% | 430 |
| Noncurrent loans to loans | 9.8886% | 358 |
| Net loans and leases to total assets | 66.8012% | 4,402 |
| Net loans and leases to deposits | 89.6803% | 2,877 |
| Net loans and leases to core deposits | 114.9891% | 2,807 |
| Total domestic deposits to total assets | 74.4882% | 6,869 |
| Equity capital to assets | 14.0938% | 1,280 |
| Core capital (leverage) ratio | 13.9983% | 1,140 |
| Tier 1 risk-based capital ratio | 18.1085% | 1,985 |
| Total risk-based capital ratio | 19.3656% | 1,928 |
| Memoranda: | ||
| Average total assets | $17,807,330 | 7,993 |
| Average earning assets | $15,352,670 | 7,997 |
| Average equity | $2,399,670 | 7,907 |
| Average total loans | $11,914,670 | 7,754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4609% | 934 |
| Cost of funding earning assets | 2.2818% | 2,786 |
| Net interest margin | 4.1791% | 1,981 |
| Noninterest income to average assets | 0.7095% | 2,830 |
| Noninterest expense to average assets | 3.1263% | 3,282 |
| Loan and lease loss provision to assets | 0.0665% | 6,117 |
| Net operating income to assets | 1.1308% | 1,864 |
| Return on assets (ROA) | 1.1308% | 1,986 |
| Pretax return on assets | 1.1308% | 2,869 |
| Return on Equity (ROE) | 8.5804% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.5804% | 1,609 |
| Net charge-offs to loans | 0.7701% | 1,666 |
| Credit loss provision to net charge-offs | 13.0435% | 5,165 |
| Earnings coverage of net charge-offs (x) | 2.3478% | 3,559 |
| Efficiency ratio | 72.3077% | 4,134 |
| Assets per employee ($millions) | 2.5216% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2727% | 978 |
| Loan loss allowance to noncurrent loans | 26.2525% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 7.2744% | 449 |
| Noncurrent loans to loans | 8.6572% | 385 |
| Net loans and leases to total assets | 63.8264% | 5,023 |
| Net loans and leases to deposits | 85.4910% | 3,717 |
| Net loans and leases to core deposits | 106.9185% | 3,805 |
| Total domestic deposits to total assets | 74.6587% | 6,776 |
| Equity capital to assets | 13.4610% | 1,545 |
| Core capital (leverage) ratio | 13.6056% | 1,292 |
| Tier 1 risk-based capital ratio | 18.6110% | 1,901 |
| Total risk-based capital ratio | 19.8634% | 1,855 |
| Memoranda: | ||
| Average total assets | $18,040,500 | 8,036 |
| Average earning assets | $15,601,500 | 8,036 |
| Average equity | $2,377,500 | 7,961 |
| Average total loans | $11,946,000 | 7,804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9934% | 1,151 |
| Cost of funding earning assets | 2.7974% | 2,718 |
| Net interest margin | 4.1960% | 2,327 |
| Noninterest income to average assets | 0.9396% | 1,818 |
| Noninterest expense to average assets | 3.6559% | 2,032 |
| Loan and lease loss provision to assets | 0.0228% | 7,110 |
| Net operating income to assets | 0.8826% | 3,080 |
| Return on assets (ROA) | 0.8826% | 2,919 |
| Pretax return on assets | 0.8826% | 3,782 |
| Return on Equity (ROE) | 6.5935% | 3,717 |
| Retained earnings to average equity (ytd only) | 3.6583% | 2,878 |
| Net charge-offs to loans | 0.1216% | 5,028 |
| Credit loss provision to net charge-offs | 25.0000% | 6,558 |
| Earnings coverage of net charge-offs (x) | 9.9375% | 2,608 |
| Efficiency ratio | 80.1498% | 2,576 |
| Assets per employee ($millions) | 2.6329% | 6,931 |
| Cash dividends to net income (ytd only)* | 44.5161% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2808% | 874 |
| Loan loss allowance to noncurrent loans | 35.2060% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 5.9631% | 505 |
| Noncurrent loans to loans | 6.4785% | 492 |
| Net loans and leases to total assets | 65.5562% | 4,944 |
| Net loans and leases to deposits | 86.8459% | 3,986 |
| Net loans and leases to core deposits | 110.1669% | 3,765 |
| Total domestic deposits to total assets | 75.4856% | 6,344 |
| Equity capital to assets | 12.9083% | 1,827 |
| Core capital (leverage) ratio | 13.4827% | 1,393 |
| Tier 1 risk-based capital ratio | 17.1329% | 2,270 |
| Total risk-based capital ratio | 18.3816% | 2,222 |
| Memoranda: | ||
| Average total assets | $17,560,800 | 8,090 |
| Average earning assets | $15,157,200 | 8,102 |
| Average equity | $2,350,800 | 8,035 |
| Average total loans | $13,157,400 | 7,760 |