Home > State Bank of Marietta > Performance and Condition Ratios
State Bank of Marietta, Performance and Condition Ratios
| 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 | 4.9341% | 1,513 |
| Cost of funding earning assets | 0.7940% | 2,569 |
| Net interest margin | 4.1401% | 1,451 |
| Noninterest income to average assets | 0.4481% | 2,862 |
| Noninterest expense to average assets | 2.9257% | 2,199 |
| Loan and lease loss provision to assets | 0.2109% | 742 |
| Net operating income to assets | 1.1597% | 2,218 |
| Return on assets (ROA) | 1.1597% | 2,273 |
| Pretax return on assets | 1.1597% | 2,939 |
| Return on Equity (ROE) | 10.7089% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.7089% | 883 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0982% | 2,626 |
| Assets per employee ($millions) | 3.6658% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,268 |
| Loan loss allowance to noncurrent loans | 130.1587% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 1,649 |
| Noncurrent loans to loans | 1.1698% | 1,417 |
| Net loans and leases to total assets | 72.3385% | 2,101 |
| Net loans and leases to deposits | 85.8797% | 2,140 |
| Net loans and leases to core deposits | 89.5030% | 2,552 |
| Total domestic deposits to total assets | 84.2324% | 2,968 |
| Equity capital to assets | 11.4642% | 2,430 |
| Core capital (leverage) ratio | 10.1419% | 3,443 |
| Tier 1 risk-based capital ratio | 10.9196% | 5,014 |
| Total risk-based capital ratio | 12.1538% | 4,922 |
| Memoranda: | ||
| Average total assets | $15,176,000 | 5,334 |
| Average earning assets | $14,106,000 | 5,321 |
| Average equity | $1,643,500 | 5,335 |
| Average total loans | $11,023,500 | 5,227 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 1,627 |
| Cost of funding earning assets | 0.6930% | 2,136 |
| Net interest margin | 4.0713% | 1,767 |
| Noninterest income to average assets | 0.4503% | 3,098 |
| Noninterest expense to average assets | 2.4398% | 3,771 |
| Loan and lease loss provision to assets | 0.1748% | 1,136 |
| Net operating income to assets | 1.6266% | 821 |
| Return on assets (ROA) | 1.6064% | 846 |
| Pretax return on assets | 1.6064% | 1,452 |
| Return on Equity (ROE) | 14.7622% | 884 |
| Retained earnings to average equity (ytd only) | 3.6442% | 3,576 |
| Net charge-offs to loans | 0.2530% | 762 |
| Credit loss provision to net charge-offs | 104.0000% | 2,442 |
| Earnings coverage of net charge-offs (x) | 10.7200% | 2,693 |
| Efficiency ratio | 57.5277% | 4,210 |
| Assets per employee ($millions) | 3.9223% | 4,009 |
| Cash dividends to net income (ytd only)* | 75.3138% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,707 |
| Loan loss allowance to noncurrent loans | 61.4173% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 695 |
| Noncurrent loans to loans | 2.2526% | 571 |
| Net loans and leases to total assets | 70.8777% | 2,436 |
| Net loans and leases to deposits | 93.1323% | 1,385 |
| Net loans and leases to core deposits | 97.2028% | 1,951 |
| Total domestic deposits to total assets | 76.1043% | 4,743 |
| Equity capital to assets | 10.2365% | 3,433 |
| Core capital (leverage) ratio | 9.5151% | 4,098 |
| Tier 1 risk-based capital ratio | 9.8771% | 5,337 |
| Total risk-based capital ratio | 10.9723% | 5,322 |
| Memoranda: | ||
| Average total assets | $14,878,000 | 5,379 |
| Average earning assets | $13,853,000 | 5,365 |
| Average equity | $1,619,000 | 5,379 |
| Average total loans | $9,882,800 | 5,290 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 1,793 |
| Cost of funding earning assets | 0.6227% | 2,316 |
| Net interest margin | 4.0380% | 1,832 |
| Noninterest income to average assets | 0.3907% | 3,540 |
| Noninterest expense to average assets | 2.4167% | 3,819 |
| Loan and lease loss provision to assets | 0.1817% | 1,000 |
| Net operating income to assets | 1.5627% | 1,040 |
| Return on assets (ROA) | 1.5627% | 1,042 |
| Pretax return on assets | 1.5627% | 1,697 |
| Return on Equity (ROE) | 14.1365% | 1,082 |
| Retained earnings to average equity (ytd only) | 4.6849% | 3,404 |
| Net charge-offs to loans | 0.3496% | 466 |
| Credit loss provision to net charge-offs | 80.0000% | 2,526 |
| Earnings coverage of net charge-offs (x) | 7.6805% | 2,783 |
| Efficiency ratio | 58.0786% | 4,111 |
| Assets per employee ($millions) | 3.7648% | 4,220 |
| Cash dividends to net income (ytd only)* | 66.8600% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,541 |
| Loan loss allowance to noncurrent loans | 416.6667% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,770 |
| Noncurrent loans to loans | 0.3466% | 3,411 |
| Net loans and leases to total assets | 67.9859% | 2,942 |
| Net loans and leases to deposits | 91.0044% | 1,754 |
| Net loans and leases to core deposits | 91.0044% | 2,561 |
| Total domestic deposits to total assets | 74.7062% | 4,919 |
| Equity capital to assets | 11.0299% | 2,637 |
| Core capital (leverage) ratio | 9.5813% | 4,082 |
| Tier 1 risk-based capital ratio | 10.6214% | 5,200 |
| Total risk-based capital ratio | 11.7554% | 5,153 |
| Memoranda: | ||
| Average total assets | $14,675,250 | 5,452 |
| Average earning assets | $13,702,750 | 5,438 |
| Average equity | $1,622,250 | 5,449 |
| Average total loans | $9,534,500 | 5,363 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,777 |
| Cost of funding earning assets | 0.5294% | 2,764 |
| Net interest margin | 4.0732% | 1,636 |
| Noninterest income to average assets | 0.3575% | 3,766 |
| Noninterest expense to average assets | 2.5022% | 3,626 |
| Loan and lease loss provision to assets | 0.1650% | 1,118 |
| Net operating income to assets | 1.4986% | 1,167 |
| Return on assets (ROA) | 1.4573% | 1,258 |
| Pretax return on assets | 1.4573% | 1,966 |
| Return on Equity (ROE) | 13.1732% | 1,309 |
| Retained earnings to average equity (ytd only) | -1.1185% | 5,081 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0660% | 3,922 |
| Assets per employee ($millions) | 3.7365% | 4,304 |
| Cash dividends to net income (ytd only)* | 108.4906% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 971 |
| Loan loss allowance to noncurrent loans | 189.7727% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,463 |
| Noncurrent loans to loans | 0.8771% | 1,976 |
| Net loans and leases to total assets | 66.0110% | 3,152 |
| Net loans and leases to deposits | 80.0552% | 2,941 |
| Net loans and leases to core deposits | 80.0552% | 3,415 |
| Total domestic deposits to total assets | 82.4568% | 3,576 |
| Equity capital to assets | 10.7520% | 2,885 |
| Core capital (leverage) ratio | 9.2091% | 4,451 |
| Tier 1 risk-based capital ratio | 10.4267% | 5,299 |
| Total risk-based capital ratio | 11.6726% | 5,209 |
| Memoranda: | ||
| Average total assets | $14,547,330 | 5,517 |
| Average earning assets | $13,601,000 | 5,504 |
| Average equity | $1,609,330 | 5,513 |
| Average total loans | $9,250,000 | 5,426 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 1,807 |
| Cost of funding earning assets | 0.4460% | 3,232 |
| Net interest margin | 4.0731% | 1,508 |
| Noninterest income to average assets | 0.3067% | 4,113 |
| Noninterest expense to average assets | 2.5091% | 3,614 |
| Loan and lease loss provision to assets | 0.1673% | 1,065 |
| Net operating income to assets | 1.4497% | 1,195 |
| Return on assets (ROA) | 1.4497% | 1,201 |
| Pretax return on assets | 1.4497% | 1,839 |
| Return on Equity (ROE) | 12.9152% | 1,292 |
| Retained earnings to average equity (ytd only) | -5.7125% | 5,235 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8108% | 3,963 |
| Assets per employee ($millions) | 3.6448% | 4,476 |
| Cash dividends to net income (ytd only)* | 144.2308% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 807 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 2,425 |
| Noncurrent loans to loans | 1.0211% | 1,794 |
| Net loans and leases to total assets | 60.6969% | 3,682 |
| Net loans and leases to deposits | 68.8692% | 3,888 |
| Net loans and leases to core deposits | 68.8692% | 4,161 |
| Total domestic deposits to total assets | 88.1336% | 1,545 |
| Equity capital to assets | 10.9267% | 2,654 |
| Core capital (leverage) ratio | 9.1893% | 4,448 |
| Tier 1 risk-based capital ratio | 10.9867% | 5,135 |
| Total risk-based capital ratio | 12.2305% | 5,040 |
| Memoranda: | ||
| Average total assets | $14,348,000 | 5,579 |
| Average earning assets | $13,454,000 | 5,566 |
| Average equity | $1,610,500 | 5,574 |
| Average total loans | $8,858,500 | 5,494 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,376 |
| Cost of funding earning assets | 0.4190% | 3,062 |
| Net interest margin | 3.5901% | 3,205 |
| Noninterest income to average assets | 0.4612% | 3,240 |
| Noninterest expense to average assets | 2.2862% | 4,372 |
| Loan and lease loss provision to assets | 0.1671% | 1,313 |
| Net operating income to assets | 1.3303% | 1,162 |
| Return on assets (ROA) | 1.3303% | 1,179 |
| Pretax return on assets | 1.3303% | 2,245 |
| Return on Equity (ROE) | 12.8404% | 987 |
| Retained earnings to average equity (ytd only) | 7.8720% | 809 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4240% | 4,195 |
| Assets per employee ($millions) | 3.5293% | 4,663 |
| Cash dividends to net income (ytd only)* | 38.6935% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 807 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 3,116 |
| Noncurrent loans to loans | 0.7121% | 2,424 |
| Net loans and leases to total assets | 60.5794% | 3,777 |
| Net loans and leases to deposits | 68.5696% | 3,982 |
| Net loans and leases to core deposits | 68.5696% | 4,255 |
| Total domestic deposits to total assets | 88.3474% | 1,331 |
| Equity capital to assets | 11.5322% | 2,179 |
| Core capital (leverage) ratio | 9.2672% | 4,330 |
| Tier 1 risk-based capital ratio | 11.6528% | 4,751 |
| Total risk-based capital ratio | 12.8976% | 4,642 |
| Memoranda: | ||
| Average total assets | $14,959,400 | 5,641 |
| Average earning assets | $13,843,800 | 5,628 |
| Average equity | $1,549,800 | 5,644 |
| Average total loans | $7,529,400 | 5,583 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,120 |
| Cost of funding earning assets | 0.4090% | 3,101 |
| Net interest margin | 3.3573% | 3,990 |
| Noninterest income to average assets | 0.4570% | 3,297 |
| Noninterest expense to average assets | 2.0655% | 4,811 |
| Loan and lease loss provision to assets | 0.1582% | 1,305 |
| Net operating income to assets | 1.3359% | 1,233 |
| Return on assets (ROA) | 1.3359% | 1,261 |
| Pretax return on assets | 1.3359% | 2,341 |
| Return on Equity (ROE) | 13.2436% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.6674% | 1,361 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0247% | 4,499 |
| Assets per employee ($millions) | 3.8335% | 4,257 |
| Cash dividends to net income (ytd only)* | 42.1050% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 736 |
| Loan loss allowance to noncurrent loans | 91.9255% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 1,608 |
| Noncurrent loans to loans | 2.0395% | 830 |
| Net loans and leases to total assets | 50.5152% | 4,667 |
| Net loans and leases to deposits | 56.4824% | 4,847 |
| Net loans and leases to core deposits | 56.4824% | 4,974 |
| Total domestic deposits to total assets | 89.4352% | 678 |
| Equity capital to assets | 10.4213% | 3,450 |
| Core capital (leverage) ratio | 8.9661% | 4,777 |
| Tier 1 risk-based capital ratio | 11.5125% | 4,958 |
| Total risk-based capital ratio | 12.7576% | 4,850 |
| Memoranda: | ||
| Average total assets | $15,170,000 | 5,704 |
| Average earning assets | $14,018,500 | 5,691 |
| Average equity | $1,530,250 | 5,709 |
| Average total loans | $7,235,000 | 5,657 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 4,380 |
| Cost of funding earning assets | 0.3874% | 3,207 |
| Net interest margin | 3.2574% | 4,245 |
| Noninterest income to average assets | 0.3837% | 3,802 |
| Noninterest expense to average assets | 2.0509% | 4,877 |
| Loan and lease loss provision to assets | 0.1588% | 1,254 |
| Net operating income to assets | 1.1776% | 1,677 |
| Return on assets (ROA) | 1.1776% | 1,710 |
| Pretax return on assets | 1.1776% | 2,864 |
| Return on Equity (ROE) | 11.8063% | 1,358 |
| Retained earnings to average equity (ytd only) | 6.5001% | 1,844 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5469% | 4,233 |
| Assets per employee ($millions) | 3.6820% | 4,462 |
| Cash dividends to net income (ytd only)* | 44.9438% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 816 |
| Loan loss allowance to noncurrent loans | 78.4530% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 1,382 |
| Noncurrent loans to loans | 2.3430% | 674 |
| Net loans and leases to total assets | 51.4870% | 4,612 |
| Net loans and leases to deposits | 60.5768% | 4,585 |
| Net loans and leases to core deposits | 60.5768% | 4,794 |
| Total domestic deposits to total assets | 84.9946% | 2,812 |
| Equity capital to assets | 10.6328% | 3,191 |
| Core capital (leverage) ratio | 8.9353% | 4,793 |
| Tier 1 risk-based capital ratio | 11.3567% | 5,047 |
| Total risk-based capital ratio | 12.6047% | 4,941 |
| Memoranda: | ||
| Average total assets | $15,115,330 | 5,755 |
| Average earning assets | $13,937,670 | 5,744 |
| Average equity | $1,507,670 | 5,760 |
| Average total loans | $7,015,330 | 5,706 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 4,837 |
| Cost of funding earning assets | 0.3418% | 3,618 |
| Net interest margin | 3.1043% | 4,638 |
| Noninterest income to average assets | 0.3658% | 3,916 |
| Noninterest expense to average assets | 1.9858% | 5,082 |
| Loan and lease loss provision to assets | 0.1568% | 1,156 |
| Net operating income to assets | 1.0713% | 1,976 |
| Return on assets (ROA) | 1.0713% | 2,021 |
| Pretax return on assets | 1.0713% | 3,085 |
| Return on Equity (ROE) | 11.0923% | 1,530 |
| Retained earnings to average equity (ytd only) | 5.6814% | 2,498 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7886% | 4,183 |
| Assets per employee ($millions) | 3.6760% | 4,547 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 515 |
| Loan loss allowance to noncurrent loans | 74.7253% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 1,404 |
| Noncurrent loans to loans | 2.8580% | 499 |
| Net loans and leases to total assets | 42.3830% | 5,137 |
| Net loans and leases to deposits | 47.2658% | 5,254 |
| Net loans and leases to core deposits | 47.2658% | 5,328 |
| Total domestic deposits to total assets | 89.6695% | 814 |
| Equity capital to assets | 10.2013% | 3,509 |
| Core capital (leverage) ratio | 8.7482% | 5,001 |
| Tier 1 risk-based capital ratio | 12.3808% | 4,459 |
| Total risk-based capital ratio | 13.6228% | 4,372 |
| Memoranda: | ||
| Average total assets | $15,309,000 | 5,824 |
| Average earning assets | $14,045,000 | 5,811 |
| Average equity | $1,478,500 | 5,827 |
| Average total loans | $6,660,500 | 5,777 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 4,522 |
| Cost of funding earning assets | 0.3555% | 3,459 |
| Net interest margin | 3.2386% | 4,333 |
| Noninterest income to average assets | 0.4997% | 3,239 |
| Noninterest expense to average assets | 2.1817% | 4,822 |
| Loan and lease loss provision to assets | 0.1689% | 1,448 |
| Net operating income to assets | 1.0979% | 1,912 |
| Return on assets (ROA) | 1.0979% | 2,005 |
| Pretax return on assets | 1.0979% | 3,111 |
| Return on Equity (ROE) | 10.9782% | 1,584 |
| Retained earnings to average equity (ytd only) | 6.7558% | 1,330 |
| Net charge-offs to loans | -0.0631% | 5,460 |
| Credit loss provision to net charge-offs | -600.0000% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2653% | 4,064 |
| Assets per employee ($millions) | 3.9785% | 4,004 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 849 |
| Loan loss allowance to noncurrent loans | 71.8232% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1374% | 1,628 |
| Noncurrent loans to loans | 2.6032% | 589 |
| Net loans and leases to total assets | 42.8742% | 5,188 |
| Net loans and leases to deposits | 47.2441% | 5,324 |
| Net loans and leases to core deposits | 47.2441% | 5,393 |
| Total domestic deposits to total assets | 90.7503% | 369 |
| Equity capital to assets | 9.1555% | 4,641 |
| Core capital (leverage) ratio | 8.9869% | 4,759 |
| Tier 1 risk-based capital ratio | 11.6979% | 4,926 |
| Total risk-based capital ratio | 12.9393% | 4,836 |
| Memoranda: | ||
| Average total assets | $14,209,000 | 5,884 |
| Average earning assets | $12,937,800 | 5,875 |
| Average equity | $1,421,000 | 5,891 |
| Average total loans | $6,336,800 | 5,841 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,354 |
| Cost of funding earning assets | 0.3592% | 3,440 |
| Net interest margin | 3.3072% | 4,166 |
| Noninterest income to average assets | 0.5224% | 3,099 |
| Noninterest expense to average assets | 2.1766% | 4,825 |
| Loan and lease loss provision to assets | 0.1838% | 1,192 |
| Net operating income to assets | 1.1899% | 1,670 |
| Return on assets (ROA) | 1.1899% | 1,766 |
| Pretax return on assets | 1.1899% | 2,873 |
| Return on Equity (ROE) | 11.6147% | 1,448 |
| Retained earnings to average equity (ytd only) | 7.8371% | 1,236 |
| Net charge-offs to loans | -0.0862% | 5,521 |
| Credit loss provision to net charge-offs | -475.0000% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3079% | 4,333 |
| Assets per employee ($millions) | 3.3813% | 4,935 |
| Cash dividends to net income (ytd only)* | 32.5183% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0706% | 634 |
| Loan loss allowance to noncurrent loans | 63.7755% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 1,262 |
| Noncurrent loans to loans | 3.2466% | 432 |
| Net loans and leases to total assets | 43.7116% | 5,209 |
| Net loans and leases to deposits | 49.1111% | 5,341 |
| Net loans and leases to core deposits | 49.1111% | 5,417 |
| Total domestic deposits to total assets | 89.0055% | 907 |
| Equity capital to assets | 10.8540% | 3,199 |
| Core capital (leverage) ratio | 8.3373% | 5,478 |
| Tier 1 risk-based capital ratio | 13.1862% | 4,044 |
| Total risk-based capital ratio | 14.4364% | 3,948 |
| Memoranda: | ||
| Average total assets | $13,782,750 | 5,951 |
| Average earning assets | $12,618,500 | 5,942 |
| Average equity | $1,412,000 | 5,956 |
| Average total loans | $6,182,750 | 5,907 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 4,545 |
| Cost of funding earning assets | 0.3489% | 3,585 |
| Net interest margin | 3.2668% | 4,330 |
| Noninterest income to average assets | 0.4903% | 3,262 |
| Noninterest expense to average assets | 2.0910% | 5,079 |
| Loan and lease loss provision to assets | 0.1875% | 1,158 |
| Net operating income to assets | 1.1825% | 1,662 |
| Return on assets (ROA) | 1.1825% | 1,758 |
| Pretax return on assets | 1.1825% | 2,853 |
| Return on Equity (ROE) | 11.7704% | 1,393 |
| Retained earnings to average equity (ytd only) | 8.8995% | 878 |
| Net charge-offs to loans | -0.1284% | 5,697 |
| Credit loss provision to net charge-offs | -325.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4167% | 4,586 |
| Assets per employee ($millions) | 3.5545% | 4,673 |
| Cash dividends to net income (ytd only)* | 24.3902% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 865 |
| Loan loss allowance to noncurrent loans | 40.0673% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.0889% | 764 |
| Noncurrent loans to loans | 4.7880% | 195 |
| Net loans and leases to total assets | 42.7908% | 5,301 |
| Net loans and leases to deposits | 47.6317% | 5,435 |
| Net loans and leases to core deposits | 47.6317% | 5,512 |
| Total domestic deposits to total assets | 89.8368% | 549 |
| Equity capital to assets | 10.0366% | 4,180 |
| Core capital (leverage) ratio | 9.1891% | 4,614 |
| Tier 1 risk-based capital ratio | 12.5606% | 4,472 |
| Total risk-based capital ratio | 13.8051% | 4,394 |
| Memoranda: | ||
| Average total assets | $13,868,670 | 6,028 |
| Average earning assets | $12,611,670 | 6,019 |
| Average equity | $1,393,330 | 6,034 |
| Average total loans | $6,231,330 | 5,984 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 4,287 |
| Cost of funding earning assets | 0.3579% | 3,525 |
| Net interest margin | 3.3512% | 4,037 |
| Noninterest income to average assets | 0.4381% | 3,557 |
| Noninterest expense to average assets | 2.1323% | 5,046 |
| Loan and lease loss provision to assets | 0.2045% | 960 |
| Net operating income to assets | 1.1100% | 1,863 |
| Return on assets (ROA) | 1.1100% | 1,965 |
| Pretax return on assets | 1.1100% | 3,056 |
| Return on Equity (ROE) | 11.0425% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.0425% | 645 |
| Net charge-offs to loans | -0.2562% | 5,906 |
| Credit loss provision to net charge-offs | -175.0000% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8644% | 4,468 |
| Assets per employee ($millions) | 3.2973% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 974 |
| Loan loss allowance to noncurrent loans | 55.6650% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 1,309 |
| Noncurrent loans to loans | 3.4083% | 415 |
| Net loans and leases to total assets | 44.3021% | 5,226 |
| Net loans and leases to deposits | 49.6137% | 5,362 |
| Net loans and leases to core deposits | 49.6137% | 5,453 |
| Total domestic deposits to total assets | 89.2941% | 952 |
| Equity capital to assets | 10.5618% | 3,415 |
| Core capital (leverage) ratio | 9.2914% | 4,503 |
| Tier 1 risk-based capital ratio | 12.3414% | 4,698 |
| Total risk-based capital ratio | 13.5364% | 4,627 |
| Memoranda: | ||
| Average total assets | $13,694,000 | 6,093 |
| Average earning assets | $12,294,000 | 6,086 |
| Average equity | $1,376,500 | 6,096 |
| Average total loans | $6,245,500 | 6,045 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6613% | 4,486 |
| Cost of funding earning assets | 0.3600% | 3,583 |
| Net interest margin | 3.3013% | 4,293 |
| Noninterest income to average assets | 0.3507% | 4,396 |
| Noninterest expense to average assets | 2.3043% | 4,779 |
| Loan and lease loss provision to assets | 0.1574% | 1,478 |
| Net operating income to assets | 0.9732% | 2,501 |
| Return on assets (ROA) | 1.1879% | 1,671 |
| Pretax return on assets | 1.1879% | 2,702 |
| Return on Equity (ROE) | 12.5397% | 1,167 |
| Retained earnings to average equity (ytd only) | 12.5397% | 226 |
| Net charge-offs to loans | 1.3935% | 119 |
| Credit loss provision to net charge-offs | 25.8824% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.8588% | 4,020 |
| Efficiency ratio | 67.0833% | 3,732 |
| Assets per employee ($millions) | 3.5498% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 1,757 |
| Loan loss allowance to noncurrent loans | 47.0046% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5283% | 1,318 |
| Noncurrent loans to loans | 3.3206% | 445 |
| Net loans and leases to total assets | 45.3060% | 5,210 |
| Net loans and leases to deposits | 53.1038% | 5,213 |
| Net loans and leases to core deposits | 55.3900% | 5,233 |
| Total domestic deposits to total assets | 85.3159% | 2,942 |
| Equity capital to assets | 9.5781% | 4,465 |
| Core capital (leverage) ratio | 8.4436% | 5,479 |
| Tier 1 risk-based capital ratio | 11.1960% | 5,427 |
| Total risk-based capital ratio | 12.2075% | 5,448 |
| Memoranda: | ||
| Average total assets | $13,973,800 | 6,151 |
| Average earning assets | $13,055,400 | 6,139 |
| Average equity | $1,323,800 | 6,159 |
| Average total loans | $6,099,800 | 6,101 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6034% | 4,732 |
| Cost of funding earning assets | 0.3543% | 3,706 |
| Net interest margin | 3.2492% | 4,531 |
| Noninterest income to average assets | 0.3161% | 4,680 |
| Noninterest expense to average assets | 2.2705% | 4,857 |
| Loan and lease loss provision to assets | 0.1820% | 1,143 |
| Net operating income to assets | 0.9388% | 2,765 |
| Return on assets (ROA) | 1.2262% | 1,628 |
| Pretax return on assets | 1.2262% | 2,707 |
| Return on Equity (ROE) | 12.9804% | 1,126 |
| Retained earnings to average equity (ytd only) | 12.9804% | 278 |
| Net charge-offs to loans | 2.0252% | 56 |
| Credit loss provision to net charge-offs | 20.8791% | 3,357 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 3,855 |
| Efficiency ratio | 66.9492% | 3,723 |
| Assets per employee ($millions) | 3.4563% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 2,238 |
| Loan loss allowance to noncurrent loans | 49.4681% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 1,515 |
| Noncurrent loans to loans | 2.9927% | 589 |
| Net loans and leases to total assets | 44.7667% | 5,307 |
| Net loans and leases to deposits | 51.3866% | 5,398 |
| Net loans and leases to core deposits | 56.0395% | 5,308 |
| Total domestic deposits to total assets | 87.1175% | 1,972 |
| Equity capital to assets | 9.7143% | 4,500 |
| Core capital (leverage) ratio | 8.1037% | 5,840 |
| Tier 1 risk-based capital ratio | 11.1066% | 5,604 |
| Total risk-based capital ratio | 12.0533% | 5,682 |
| Memoranda: | ||
| Average total assets | $13,917,500 | 6,239 |
| Average earning assets | $13,172,250 | 6,225 |
| Average equity | $1,314,750 | 6,245 |
| Average total loans | $5,991,000 | 6,186 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 4,864 |
| Cost of funding earning assets | 0.3472% | 3,839 |
| Net interest margin | 3.2003% | 4,660 |
| Noninterest income to average assets | 0.2868% | 4,910 |
| Noninterest expense to average assets | 2.3085% | 4,822 |
| Loan and lease loss provision to assets | 0.1721% | 1,210 |
| Net operating income to assets | 0.8460% | 3,144 |
| Return on assets (ROA) | 1.2761% | 1,452 |
| Pretax return on assets | 1.2761% | 2,447 |
| Return on Equity (ROE) | 13.6364% | 975 |
| Retained earnings to average equity (ytd only) | 13.6364% | 260 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3966% | 3,429 |
| Assets per employee ($millions) | 3.3958% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9510% | 282 |
| Loan loss allowance to noncurrent loans | 62.9893% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.0688% | 1,048 |
| Noncurrent loans to loans | 4.6849% | 278 |
| Net loans and leases to total assets | 42.8550% | 5,445 |
| Net loans and leases to deposits | 53.8533% | 5,264 |
| Net loans and leases to core deposits | 53.8533% | 5,427 |
| Total domestic deposits to total assets | 79.5774% | 4,962 |
| Equity capital to assets | 9.6518% | 4,465 |
| Core capital (leverage) ratio | 7.9348% | 5,959 |
| Tier 1 risk-based capital ratio | 11.1323% | 5,649 |
| Total risk-based capital ratio | 12.3810% | 5,574 |
| Memoranda: | ||
| Average total assets | $13,948,330 | 6,316 |
| Average earning assets | $13,248,670 | 6,298 |
| Average equity | $1,305,330 | 6,321 |
| Average total loans | $5,894,000 | 6,263 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3803% | 5,252 |
| Cost of funding earning assets | 0.3262% | 4,151 |
| Net interest margin | 3.0541% | 5,071 |
| Noninterest income to average assets | 0.3114% | 4,698 |
| Noninterest expense to average assets | 2.2079% | 5,120 |
| Loan and lease loss provision to assets | 0.1698% | 1,169 |
| Net operating income to assets | 0.8492% | 3,015 |
| Return on assets (ROA) | 0.8492% | 3,132 |
| Pretax return on assets | 0.8492% | 4,063 |
| Return on Equity (ROE) | 9.2131% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.2131% | 1,127 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4211% | 3,753 |
| Assets per employee ($millions) | 3.4085% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1445% | 264 |
| Loan loss allowance to noncurrent loans | 89.5288% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 1,895 |
| Noncurrent loans to loans | 3.5123% | 549 |
| Net loans and leases to total assets | 38.6314% | 5,685 |
| Net loans and leases to deposits | 45.1290% | 5,701 |
| Net loans and leases to core deposits | 45.1290% | 5,792 |
| Total domestic deposits to total assets | 85.6022% | 3,135 |
| Equity capital to assets | 9.6523% | 4,574 |
| Core capital (leverage) ratio | 7.4393% | 6,165 |
| Tier 1 risk-based capital ratio | 12.9246% | 4,647 |
| Total risk-based capital ratio | 14.1742% | 4,565 |
| Memoranda: | ||
| Average total assets | $14,131,000 | 6,385 |
| Average earning assets | $13,490,000 | 6,365 |
| Average equity | $1,302,500 | 6,390 |
| Average total loans | $5,842,000 | 6,332 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,834 |
| Cost of funding earning assets | 0.3833% | 3,870 |
| Net interest margin | 3.3015% | 4,558 |
| Noninterest income to average assets | 0.4206% | 4,035 |
| Noninterest expense to average assets | 2.1681% | 5,415 |
| Loan and lease loss provision to assets | 0.1233% | 2,125 |
| Net operating income to assets | 1.1892% | 1,618 |
| Return on assets (ROA) | 1.1892% | 1,689 |
| Pretax return on assets | 1.1892% | 2,691 |
| Return on Equity (ROE) | 12.7448% | 1,197 |
| Retained earnings to average equity (ytd only) | 1.6320% | 5,001 |
| Net charge-offs to loans | -0.0553% | 5,959 |
| Credit loss provision to net charge-offs | -566.6667% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2917% | 4,866 |
| Assets per employee ($millions) | 3.6570% | 4,614 |
| Cash dividends to net income (ytd only)* | 87.1951% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6417% | 460 |
| Loan loss allowance to noncurrent loans | 16,500.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,055 |
| Noncurrent loans to loans | 0.0160% | 5,840 |
| Net loans and leases to total assets | 41.5710% | 5,651 |
| Net loans and leases to deposits | 48.3732% | 5,665 |
| Net loans and leases to core deposits | 48.3732% | 5,797 |
| Total domestic deposits to total assets | 85.9379% | 2,875 |
| Equity capital to assets | 8.8119% | 5,478 |
| Core capital (leverage) ratio | 7.4294% | 6,228 |
| Tier 1 risk-based capital ratio | 10.4674% | 6,117 |
| Total risk-based capital ratio | 11.7283% | 6,051 |
| Memoranda: | ||
| Average total assets | $13,790,800 | 6,473 |
| Average earning assets | $12,782,200 | 6,456 |
| Average equity | $1,286,800 | 6,482 |
| Average total loans | $5,422,000 | 6,429 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 4,854 |
| Cost of funding earning assets | 0.3946% | 3,846 |
| Net interest margin | 3.3065% | 4,580 |
| Noninterest income to average assets | 0.4614% | 3,802 |
| Noninterest expense to average assets | 2.0910% | 5,593 |
| Loan and lease loss provision to assets | 0.0981% | 2,402 |
| Net operating income to assets | 1.3155% | 1,327 |
| Return on assets (ROA) | 1.3155% | 1,384 |
| Pretax return on assets | 1.3155% | 2,317 |
| Return on Equity (ROE) | 13.8900% | 1,007 |
| Retained earnings to average equity (ytd only) | 2.9022% | 4,535 |
| Net charge-offs to loans | -0.1279% | 6,201 |
| Credit loss provision to net charge-offs | -200.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6639% | 5,229 |
| Assets per employee ($millions) | 3.2695% | 5,284 |
| Cash dividends to net income (ytd only)* | 79.1056% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0372% | 350 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,117 |
| Noncurrent loans to loans | 0.0380% | 5,870 |
| Net loans and leases to total assets | 39.0580% | 5,879 |
| Net loans and leases to deposits | 43.4575% | 6,000 |
| Net loans and leases to core deposits | 43.4575% | 6,066 |
| Total domestic deposits to total assets | 89.8761% | 795 |
| Equity capital to assets | 9.9404% | 4,243 |
| Core capital (leverage) ratio | 7.5268% | 6,272 |
| Tier 1 risk-based capital ratio | 11.8765% | 5,572 |
| Total risk-based capital ratio | 13.1389% | 5,484 |
| Memoranda: | ||
| Average total assets | $13,581,500 | 6,553 |
| Average earning assets | $12,500,250 | 6,537 |
| Average equity | $1,286,250 | 6,557 |
| Average total loans | $5,216,000 | 6,511 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5918% | 5,176 |
| Cost of funding earning assets | 0.3973% | 3,893 |
| Net interest margin | 3.1944% | 4,965 |
| Noninterest income to average assets | 0.4946% | 3,515 |
| Noninterest expense to average assets | 2.1237% | 5,577 |
| Loan and lease loss provision to assets | 0.0582% | 3,127 |
| Net operating income to assets | 1.2364% | 1,490 |
| Return on assets (ROA) | 1.2364% | 1,552 |
| Pretax return on assets | 1.2364% | 2,517 |
| Return on Equity (ROE) | 13.2639% | 1,109 |
| Retained earnings to average equity (ytd only) | 2.1846% | 4,797 |
| Net charge-offs to loans | -0.1539% | 6,274 |
| Credit loss provision to net charge-offs | -100.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1277% | 4,991 |
| Assets per employee ($millions) | 3.2845% | 5,284 |
| Cash dividends to net income (ytd only)* | 83.5294% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0333% | 368 |
| Loan loss allowance to noncurrent loans | 1,020.0000% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 5,812 |
| Noncurrent loans to loans | 0.2974% | 5,129 |
| Net loans and leases to total assets | 37.2279% | 5,996 |
| Net loans and leases to deposits | 41.3056% | 6,101 |
| Net loans and leases to core deposits | 41.3056% | 6,178 |
| Total domestic deposits to total assets | 90.1279% | 745 |
| Equity capital to assets | 9.7656% | 4,411 |
| Core capital (leverage) ratio | 7.2010% | 6,393 |
| Tier 1 risk-based capital ratio | 11.9291% | 5,579 |
| Total risk-based capital ratio | 13.1894% | 5,501 |
| Memoranda: | ||
| Average total assets | $13,749,330 | 6,618 |
| Average earning assets | $12,584,330 | 6,602 |
| Average equity | $1,281,670 | 6,621 |
| Average total loans | $5,198,670 | 6,575 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5030% | 5,413 |
| Cost of funding earning assets | 0.3753% | 4,250 |
| Net interest margin | 3.1277% | 5,152 |
| Noninterest income to average assets | 0.4554% | 3,743 |
| Noninterest expense to average assets | 1.8783% | 6,097 |
| Loan and lease loss provision to assets | 0.0854% | 2,482 |
| Net operating income to assets | 1.3376% | 1,129 |
| Return on assets (ROA) | 1.3376% | 1,172 |
| Pretax return on assets | 1.3376% | 1,970 |
| Return on Equity (ROE) | 14.6760% | 825 |
| Retained earnings to average equity (ytd only) | 3.7471% | 3,882 |
| Net charge-offs to loans | -0.1516% | 6,293 |
| Credit loss provision to net charge-offs | -150.0000% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8966% | 5,766 |
| Assets per employee ($millions) | 3.4975% | 4,923 |
| Cash dividends to net income (ytd only)* | 74.4681% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0389% | 412 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 6,208 |
| Noncurrent loans to loans | 0.0810% | 5,898 |
| Net loans and leases to total assets | 34.2102% | 6,171 |
| Net loans and leases to deposits | 37.7356% | 6,262 |
| Net loans and leases to core deposits | 37.7356% | 6,321 |
| Total domestic deposits to total assets | 90.6576% | 706 |
| Equity capital to assets | 9.2066% | 4,869 |
| Core capital (leverage) ratio | 7.0379% | 6,461 |
| Tier 1 risk-based capital ratio | 11.8858% | 5,716 |
| Total risk-based capital ratio | 13.1454% | 5,636 |
| Memoranda: | ||
| Average total assets | $14,055,000 | 6,690 |
| Average earning assets | $12,789,000 | 6,674 |
| Average equity | $1,281,000 | 6,687 |
| Average total loans | $5,276,000 | 6,643 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 4,727 |
| Cost of funding earning assets | 0.4652% | 3,966 |
| Net interest margin | 3.3576% | 4,448 |
| Noninterest income to average assets | 0.5372% | 3,502 |
| Noninterest expense to average assets | 2.2773% | 5,436 |
| Loan and lease loss provision to assets | 0.0605% | 3,930 |
| Net operating income to assets | 1.2029% | 1,554 |
| Return on assets (ROA) | 1.2029% | 1,627 |
| Pretax return on assets | 1.2029% | 2,568 |
| Return on Equity (ROE) | 12.5355% | 1,268 |
| Retained earnings to average equity (ytd only) | 1.5768% | 5,100 |
| Net charge-offs to loans | -0.1383% | 6,549 |
| Credit loss provision to net charge-offs | -114.2857% | 5,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3162% | 4,844 |
| Assets per employee ($millions) | 3.5300% | 4,839 |
| Cash dividends to net income (ytd only)* | 87.4214% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5819% | 739 |
| Loan loss allowance to noncurrent loans | 4,833.3333% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 6,341 |
| Noncurrent loans to loans | 0.0534% | 6,072 |
| Net loans and leases to total assets | 38.7465% | 6,040 |
| Net loans and leases to deposits | 42.6356% | 6,193 |
| Net loans and leases to core deposits | 42.6356% | 6,283 |
| Total domestic deposits to total assets | 90.8782% | 624 |
| Equity capital to assets | 9.0227% | 5,010 |
| Core capital (leverage) ratio | 7.7334% | 6,287 |
| Tier 1 risk-based capital ratio | 10.8952% | 6,223 |
| Total risk-based capital ratio | 12.1559% | 6,164 |
| Memoranda: | ||
| Average total assets | $13,217,600 | 6,775 |
| Average earning assets | $11,824,000 | 6,762 |
| Average equity | $1,268,400 | 6,782 |
| Average total loans | $5,060,800 | 6,736 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,766 |
| Cost of funding earning assets | 0.4707% | 4,064 |
| Net interest margin | 3.3517% | 4,458 |
| Noninterest income to average assets | 0.5542% | 3,426 |
| Noninterest expense to average assets | 2.2475% | 5,485 |
| Loan and lease loss provision to assets | 0.0821% | 3,423 |
| Net operating income to assets | 1.2212% | 1,559 |
| Return on assets (ROA) | 1.2212% | 1,634 |
| Pretax return on assets | 1.2212% | 2,615 |
| Return on Equity (ROE) | 12.5225% | 1,349 |
| Retained earnings to average equity (ytd only) | 1.5785% | 5,341 |
| Net charge-offs to loans | -0.1355% | 6,574 |
| Credit loss provision to net charge-offs | -160.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2948% | 4,924 |
| Assets per employee ($millions) | 3.1945% | 5,504 |
| Cash dividends to net income (ytd only)* | 87.3944% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9291% | 596 |
| Loan loss allowance to noncurrent loans | 3,575.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 6,384 |
| Noncurrent loans to loans | 0.0819% | 6,088 |
| Net loans and leases to total assets | 37.0872% | 6,219 |
| Net loans and leases to deposits | 41.2625% | 6,341 |
| Net loans and leases to core deposits | 41.2625% | 6,410 |
| Total domestic deposits to total assets | 89.8810% | 1,068 |
| Equity capital to assets | 9.9624% | 3,951 |
| Core capital (leverage) ratio | 7.3291% | 6,504 |
| Tier 1 risk-based capital ratio | 12.0634% | 5,741 |
| Total risk-based capital ratio | 13.3265% | 5,669 |
| Memoranda: | ||
| Average total assets | $12,992,000 | 6,853 |
| Average earning assets | $11,615,750 | 6,841 |
| Average equity | $1,267,000 | 6,858 |
| Average total loans | $4,922,000 | 6,813 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 4,841 |
| Cost of funding earning assets | 0.4832% | 4,055 |
| Net interest margin | 3.3132% | 4,522 |
| Noninterest income to average assets | 0.5359% | 3,599 |
| Noninterest expense to average assets | 2.3424% | 5,232 |
| Loan and lease loss provision to assets | 0.1225% | 2,791 |
| Net operating income to assets | 1.0105% | 2,289 |
| Return on assets (ROA) | 1.0105% | 2,416 |
| Pretax return on assets | 1.0105% | 3,464 |
| Return on Equity (ROE) | 10.4348% | 2,031 |
| Retained earnings to average equity (ytd only) | -1.2648% | 6,087 |
| Net charge-offs to loans | -0.1621% | 6,611 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4009% | 4,285 |
| Assets per employee ($millions) | 3.3880% | 5,095 |
| Cash dividends to net income (ytd only)* | 112.1212% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9491% | 617 |
| Loan loss allowance to noncurrent loans | 2,840.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,403 |
| Noncurrent loans to loans | 0.1038% | 6,085 |
| Net loans and leases to total assets | 34.4820% | 6,389 |
| Net loans and leases to deposits | 38.0414% | 6,483 |
| Net loans and leases to core deposits | 38.0414% | 6,538 |
| Total domestic deposits to total assets | 90.6434% | 684 |
| Equity capital to assets | 9.2090% | 4,979 |
| Core capital (leverage) ratio | 7.4355% | 6,482 |
| Tier 1 risk-based capital ratio | 11.7670% | 5,941 |
| Total risk-based capital ratio | 13.0300% | 5,879 |
| Memoranda: | ||
| Average total assets | $13,063,330 | 6,904 |
| Average earning assets | $11,590,000 | 6,891 |
| Average equity | $1,265,000 | 6,905 |
| Average total loans | $4,935,330 | 6,861 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,370 |
| Cost of funding earning assets | 0.5001% | 4,087 |
| Net interest margin | 3.4292% | 4,013 |
| Noninterest income to average assets | 0.4993% | 3,773 |
| Noninterest expense to average assets | 2.1843% | 5,732 |
| Loan and lease loss provision to assets | 0.1872% | 1,965 |
| Net operating income to assets | 1.1233% | 1,767 |
| Return on assets (ROA) | 1.1233% | 1,883 |
| Pretax return on assets | 1.1233% | 2,869 |
| Return on Equity (ROE) | 11.3074% | 1,615 |
| Retained earnings to average equity (ytd only) | -2.5128% | 6,139 |
| Net charge-offs to loans | -0.1601% | 6,622 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 5,238 |
| Assets per employee ($millions) | 3.1008% | 5,824 |
| Cash dividends to net income (ytd only)* | 122.2222% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0599% | 619 |
| Loan loss allowance to noncurrent loans | 1,533.3333% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 6,383 |
| Noncurrent loans to loans | 0.1996% | 5,903 |
| Net loans and leases to total assets | 35.2495% | 6,352 |
| Net loans and leases to deposits | 39.3590% | 6,448 |
| Net loans and leases to core deposits | 39.3590% | 6,509 |
| Total domestic deposits to total assets | 89.5590% | 1,320 |
| Equity capital to assets | 10.2717% | 3,831 |
| Core capital (leverage) ratio | 7.3333% | 6,532 |
| Tier 1 risk-based capital ratio | 12.4778% | 5,589 |
| Total risk-based capital ratio | 13.7351% | 5,533 |
| Memoranda: | ||
| Average total assets | $12,819,000 | 6,980 |
| Average earning assets | $11,198,000 | 6,971 |
| Average equity | $1,273,500 | 6,975 |
| Average total loans | $4,995,500 | 6,932 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 5,299 |
| Cost of funding earning assets | 0.5854% | 4,486 |
| Net interest margin | 3.4165% | 4,825 |
| Noninterest income to average assets | 0.5551% | 3,541 |
| Noninterest expense to average assets | 2.3975% | 5,413 |
| Loan and lease loss provision to assets | 0.1931% | 3,221 |
| Net operating income to assets | 1.1102% | 1,909 |
| Return on assets (ROA) | 1.2631% | 1,569 |
| Pretax return on assets | 1.2631% | 2,552 |
| Return on Equity (ROE) | 12.9688% | 1,230 |
| Retained earnings to average equity (ytd only) | 3.1389% | 4,029 |
| Net charge-offs to loans | -0.1172% | 6,858 |
| Credit loss provision to net charge-offs | -400.0000% | 6,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7826% | 4,743 |
| Assets per employee ($millions) | 3.3088% | 5,405 |
| Cash dividends to net income (ytd only)* | 75.7962% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3718% | 1,280 |
| Loan loss allowance to noncurrent loans | 619.0476% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 6,165 |
| Noncurrent loans to loans | 0.3831% | 5,539 |
| Net loans and leases to total assets | 40.4307% | 6,144 |
| Net loans and leases to deposits | 44.8007% | 6,322 |
| Net loans and leases to core deposits | 44.8007% | 6,428 |
| Total domestic deposits to total assets | 90.2456% | 826 |
| Equity capital to assets | 9.6184% | 4,713 |
| Core capital (leverage) ratio | 7.4406% | 6,526 |
| Tier 1 risk-based capital ratio | 11.1125% | 6,310 |
| Total risk-based capital ratio | 12.3673% | 6,274 |
| Memoranda: | ||
| Average total assets | $12,429,800 | 7,049 |
| Average earning assets | $11,444,400 | 7,034 |
| Average equity | $1,210,600 | 7,049 |
| Average total loans | $5,120,600 | 7,000 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 5,663 |
| Cost of funding earning assets | 0.5930% | 4,718 |
| Net interest margin | 3.3559% | 5,196 |
| Noninterest income to average assets | 0.5342% | 3,716 |
| Noninterest expense to average assets | 2.3660% | 5,499 |
| Loan and lease loss provision to assets | 0.2071% | 3,003 |
| Net operating income to assets | 1.0467% | 2,297 |
| Return on assets (ROA) | 1.2539% | 1,730 |
| Pretax return on assets | 1.2539% | 2,778 |
| Return on Equity (ROE) | 12.8310% | 1,383 |
| Retained earnings to average equity (ytd only) | -0.4460% | 6,168 |
| Net charge-offs to loans | -0.0264% | 6,553 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3614% | 4,567 |
| Assets per employee ($millions) | 3.1870% | 5,661 |
| Cash dividends to net income (ytd only)* | 103.4762% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3090% | 1,501 |
| Loan loss allowance to noncurrent loans | 214.2857% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 5,569 |
| Noncurrent loans to loans | 1.0775% | 4,284 |
| Net loans and leases to total assets | 39.8259% | 6,298 |
| Net loans and leases to deposits | 45.7800% | 6,403 |
| Net loans and leases to core deposits | 47.2719% | 6,457 |
| Total domestic deposits to total assets | 86.9940% | 2,671 |
| Equity capital to assets | 9.4995% | 5,209 |
| Core capital (leverage) ratio | 7.1820% | 6,758 |
| Tier 1 risk-based capital ratio | 10.9902% | 6,484 |
| Total risk-based capital ratio | 12.2406% | 6,466 |
| Memoranda: | ||
| Average total assets | $12,228,500 | 7,145 |
| Average earning assets | $11,243,500 | 7,130 |
| Average equity | $1,195,000 | 7,148 |
| Average total loans | $5,030,500 | 7,095 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 5,709 |
| Cost of funding earning assets | 0.5997% | 4,906 |
| Net interest margin | 3.3799% | 5,165 |
| Noninterest income to average assets | 0.4811% | 4,047 |
| Noninterest expense to average assets | 2.2231% | 5,945 |
| Loan and lease loss provision to assets | 0.2157% | 2,915 |
| Net operating income to assets | 1.1281% | 1,952 |
| Return on assets (ROA) | 1.4433% | 1,237 |
| Pretax return on assets | 1.4433% | 2,038 |
| Return on Equity (ROE) | 14.6259% | 996 |
| Retained earnings to average equity (ytd only) | 0.1681% | 5,987 |
| Net charge-offs to loans | -0.0402% | 6,608 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3256% | 5,198 |
| Assets per employee ($millions) | 2.9483% | 6,155 |
| Cash dividends to net income (ytd only)* | 98.8506% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3706% | 1,457 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 6,697 |
| Noncurrent loans to loans | 0.1248% | 6,352 |
| Net loans and leases to total assets | 39.8118% | 6,357 |
| Net loans and leases to deposits | 44.4140% | 6,529 |
| Net loans and leases to core deposits | 44.4140% | 6,644 |
| Total domestic deposits to total assets | 89.6379% | 1,136 |
| Equity capital to assets | 10.1501% | 4,122 |
| Core capital (leverage) ratio | 7.6910% | 6,521 |
| Tier 1 risk-based capital ratio | 12.3602% | 5,673 |
| Total risk-based capital ratio | 13.6186% | 5,654 |
| Memoranda: | ||
| Average total assets | $12,055,330 | 7,208 |
| Average earning assets | $11,006,330 | 7,194 |
| Average equity | $1,189,670 | 7,206 |
| Average total loans | $4,975,000 | 7,158 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 5,759 |
| Cost of funding earning assets | 0.5763% | 5,305 |
| Net interest margin | 3.4219% | 5,020 |
| Noninterest income to average assets | 0.5252% | 3,741 |
| Noninterest expense to average assets | 2.2320% | 5,959 |
| Loan and lease loss provision to assets | 0.2298% | 2,650 |
| Net operating income to assets | 1.1816% | 1,796 |
| Return on assets (ROA) | 1.8053% | 667 |
| Pretax return on assets | 1.8053% | 1,057 |
| Return on Equity (ROE) | 18.5497% | 489 |
| Retained earnings to average equity (ytd only) | 10.7926% | 1,089 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2613% | 5,411 |
| Assets per employee ($millions) | 3.0660% | 6,030 |
| Cash dividends to net income (ytd only)* | 41.8182% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3852% | 1,530 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,914 |
| Noncurrent loans to loans | 0.0223% | 6,724 |
| Net loans and leases to total assets | 35.7061% | 6,640 |
| Net loans and leases to deposits | 39.6972% | 6,751 |
| Net loans and leases to core deposits | 41.5820% | 6,765 |
| Total domestic deposits to total assets | 89.9462% | 1,117 |
| Equity capital to assets | 9.8663% | 4,294 |
| Core capital (leverage) ratio | 7.7390% | 6,455 |
| Tier 1 risk-based capital ratio | 13.2562% | 5,025 |
| Total risk-based capital ratio | 14.5159% | 4,998 |
| Memoranda: | ||
| Average total assets | $12,186,500 | 7,271 |
| Average earning assets | $11,105,000 | 7,256 |
| Average equity | $1,186,000 | 7,262 |
| Average total loans | $5,058,000 | 7,217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 5,649 |
| Cost of funding earning assets | 0.7288% | 5,346 |
| Net interest margin | 3.6057% | 4,707 |
| Noninterest income to average assets | 0.4459% | 4,257 |
| Noninterest expense to average assets | 2.3693% | 5,851 |
| Loan and lease loss provision to assets | 0.2273% | 3,928 |
| Net operating income to assets | 1.1365% | 1,703 |
| Return on assets (ROA) | 1.1365% | 1,824 |
| Pretax return on assets | 1.1365% | 2,706 |
| Return on Equity (ROE) | 11.4276% | 1,578 |
| Retained earnings to average equity (ytd only) | 4.6589% | 2,880 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4660% | 5,218 |
| Assets per employee ($millions) | 3.0273% | 6,025 |
| Cash dividends to net income (ytd only)* | 59.2308% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 2,945 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,970 |
| Noncurrent loans to loans | 0.0178% | 6,784 |
| Net loans and leases to total assets | 45.6685% | 6,039 |
| Net loans and leases to deposits | 53.6320% | 6,104 |
| Net loans and leases to core deposits | 57.8391% | 6,006 |
| Total domestic deposits to total assets | 85.1515% | 3,765 |
| Equity capital to assets | 9.5962% | 4,749 |
| Core capital (leverage) ratio | 7.7443% | 6,503 |
| Tier 1 risk-based capital ratio | 11.3380% | 6,265 |
| Total risk-based capital ratio | 12.5835% | 6,255 |
| Memoranda: | ||
| Average total assets | $11,438,200 | 7,321 |
| Average earning assets | $10,428,000 | 7,310 |
| Average equity | $1,137,600 | 7,321 |
| Average total loans | $5,281,800 | 7,263 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 5,960 |
| Cost of funding earning assets | 0.7611% | 5,392 |
| Net interest margin | 3.5346% | 5,042 |
| Noninterest income to average assets | 0.4496% | 4,297 |
| Noninterest expense to average assets | 2.2240% | 6,225 |
| Loan and lease loss provision to assets | 0.2484% | 3,518 |
| Net operating income to assets | 1.2185% | 1,605 |
| Return on assets (ROA) | 1.2185% | 1,714 |
| Pretax return on assets | 1.2185% | 2,572 |
| Return on Equity (ROE) | 12.1370% | 1,515 |
| Retained earnings to average equity (ytd only) | 3.0641% | 4,503 |
| Net charge-offs to loans | 0.0256% | 5,785 |
| Credit loss provision to net charge-offs | 2,100.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 124.3083% | 296 |
| Efficiency ratio | 60.2564% | 5,675 |
| Assets per employee ($millions) | 2.8908% | 6,327 |
| Cash dividends to net income (ytd only)* | 74.7542% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 3,057 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 7,022 |
| Noncurrent loans to loans | 0.0375% | 6,847 |
| Net loans and leases to total assets | 45.2910% | 6,211 |
| Net loans and leases to deposits | 50.4042% | 6,480 |
| Net loans and leases to core deposits | 54.3257% | 6,440 |
| Total domestic deposits to total assets | 89.8556% | 947 |
| Equity capital to assets | 9.8677% | 4,522 |
| Core capital (leverage) ratio | 7.4636% | 6,781 |
| Tier 1 risk-based capital ratio | 11.7841% | 6,047 |
| Total risk-based capital ratio | 13.0369% | 6,036 |
| Memoranda: | ||
| Average total assets | $11,270,500 | 7,399 |
| Average earning assets | $10,335,500 | 7,388 |
| Average equity | $1,131,500 | 7,397 |
| Average total loans | $5,194,750 | 7,337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 5,886 |
| Cost of funding earning assets | 0.7849% | 5,478 |
| Net interest margin | 3.5517% | 4,917 |
| Noninterest income to average assets | 0.4117% | 4,576 |
| Noninterest expense to average assets | 2.2196% | 6,330 |
| Loan and lease loss provision to assets | 0.2327% | 3,580 |
| Net operating income to assets | 1.1993% | 1,572 |
| Return on assets (ROA) | 1.1993% | 1,653 |
| Pretax return on assets | 1.1993% | 2,483 |
| Return on Equity (ROE) | 11.8760% | 1,530 |
| Retained earnings to average equity (ytd only) | 3.5451% | 3,985 |
| Net charge-offs to loans | -0.7380% | 7,427 |
| Credit loss provision to net charge-offs | -68.4211% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7843% | 5,764 |
| Assets per employee ($millions) | 2.8458% | 6,394 |
| Cash dividends to net income (ytd only)* | 70.1493% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 2,290 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 7,072 |
| Noncurrent loans to loans | 0.0383% | 6,887 |
| Net loans and leases to total assets | 44.9706% | 6,355 |
| Net loans and leases to deposits | 50.1469% | 6,579 |
| Net loans and leases to core deposits | 54.1235% | 6,552 |
| Total domestic deposits to total assets | 89.6776% | 1,133 |
| Equity capital to assets | 10.0149% | 4,130 |
| Core capital (leverage) ratio | 7.9476% | 6,359 |
| Tier 1 risk-based capital ratio | 12.8554% | 5,041 |
| Total risk-based capital ratio | 14.1107% | 5,009 |
| Memoranda: | ||
| Average total assets | $11,173,000 | 7,474 |
| Average earning assets | $10,192,330 | 7,463 |
| Average equity | $1,128,330 | 7,474 |
| Average total loans | $5,149,330 | 7,411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 6,238 |
| Cost of funding earning assets | 0.7886% | 5,621 |
| Net interest margin | 3.4304% | 5,301 |
| Noninterest income to average assets | 0.3975% | 4,718 |
| Noninterest expense to average assets | 2.2407% | 6,325 |
| Loan and lease loss provision to assets | 0.2168% | 3,483 |
| Net operating income to assets | 1.0842% | 1,892 |
| Return on assets (ROA) | 1.0842% | 1,941 |
| Pretax return on assets | 1.0842% | 2,816 |
| Return on Equity (ROE) | 10.6904% | 1,836 |
| Retained earnings to average equity (ytd only) | 2.8508% | 4,459 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2653% | 5,475 |
| Assets per employee ($millions) | 2.7818% | 6,565 |
| Cash dividends to net income (ytd only)* | 73.3333% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 3,696 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 7,145 |
| Noncurrent loans to loans | 0.0402% | 6,947 |
| Net loans and leases to total assets | 44.0191% | 6,469 |
| Net loans and leases to deposits | 49.1274% | 6,679 |
| Net loans and leases to core deposits | 53.1236% | 6,614 |
| Total domestic deposits to total assets | 89.6019% | 1,427 |
| Equity capital to assets | 10.1195% | 3,629 |
| Core capital (leverage) ratio | 7.6418% | 6,613 |
| Tier 1 risk-based capital ratio | 13.1740% | 4,685 |
| Total risk-based capital ratio | 14.4317% | 4,654 |
| Memoranda: | ||
| Average total assets | $11,068,000 | 7,533 |
| Average earning assets | $10,144,500 | 7,522 |
| Average equity | $1,122,500 | 7,529 |
| Average total loans | $5,111,500 | 7,469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 5,117 |
| Cost of funding earning assets | 0.9866% | 5,754 |
| Net interest margin | 3.8928% | 3,527 |
| Noninterest income to average assets | 0.4059% | 4,864 |
| Noninterest expense to average assets | 2.5805% | 5,501 |
| Loan and lease loss provision to assets | 0.2706% | 4,639 |
| Net operating income to assets | 1.0631% | 1,830 |
| Return on assets (ROA) | 1.0631% | 1,918 |
| Pretax return on assets | 1.0631% | 2,719 |
| Return on Equity (ROE) | 9.7743% | 2,011 |
| Retained earnings to average equity (ytd only) | -0.8886% | 5,786 |
| Net charge-offs to loans | 0.4345% | 3,885 |
| Credit loss provision to net charge-offs | 116.6667% | 3,679 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,541 |
| Efficiency ratio | 65.9259% | 4,981 |
| Assets per employee ($millions) | 2.7523% | 6,602 |
| Cash dividends to net income (ytd only)* | 109.0909% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 4,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 46.9707% | 6,479 |
| Net loans and leases to deposits | 52.4389% | 6,714 |
| Net loans and leases to core deposits | 56.7556% | 6,646 |
| Total domestic deposits to total assets | 89.5722% | 1,346 |
| Equity capital to assets | 10.1644% | 3,538 |
| Core capital (leverage) ratio | 8.1589% | 5,900 |
| Tier 1 risk-based capital ratio | 12.8225% | 4,757 |
| Total risk-based capital ratio | 13.9657% | 4,824 |
| Memoranda: | ||
| Average total assets | $10,347,000 | 7,623 |
| Average earning assets | $9,324,800 | 7,608 |
| Average equity | $1,125,400 | 7,621 |
| Average total loans | $5,523,000 | 7,542 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 4,957 |
| Cost of funding earning assets | 1.0170% | 5,858 |
| Net interest margin | 3.9518% | 3,315 |
| Noninterest income to average assets | 0.4059% | 4,909 |
| Noninterest expense to average assets | 2.5143% | 5,663 |
| Loan and lease loss provision to assets | 0.2488% | 4,603 |
| Net operating income to assets | 1.2047% | 1,579 |
| Return on assets (ROA) | 1.2047% | 1,663 |
| Pretax return on assets | 1.2047% | 2,467 |
| Return on Equity (ROE) | 10.8838% | 1,827 |
| Retained earnings to average equity (ytd only) | -0.7098% | 5,968 |
| Net charge-offs to loans | 0.1430% | 5,155 |
| Credit loss provision to net charge-offs | 316.6667% | 993 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,257 |
| Efficiency ratio | 63.3663% | 5,367 |
| Assets per employee ($millions) | 2.5118% | 7,072 |
| Cash dividends to net income (ytd only)* | 106.5221% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 4,090 |
| Loan loss allowance to noncurrent loans | 83.0000% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 5,097 |
| Noncurrent loans to loans | 1.7740% | 3,985 |
| Net loans and leases to total assets | 55.2802% | 5,659 |
| Net loans and leases to deposits | 65.1725% | 5,762 |
| Net loans and leases to core deposits | 71.4617% | 5,577 |
| Total domestic deposits to total assets | 84.8213% | 3,710 |
| Equity capital to assets | 11.1675% | 2,803 |
| Core capital (leverage) ratio | 8.5052% | 5,495 |
| Tier 1 risk-based capital ratio | 12.7702% | 4,759 |
| Total risk-based capital ratio | 14.0273% | 4,723 |
| Memoranda: | ||
| Average total assets | $10,181,500 | 7,724 |
| Average earning assets | $9,177,000 | 7,709 |
| Average equity | $1,127,000 | 7,721 |
| Average total loans | $5,592,500 | 7,640 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 4,995 |
| Cost of funding earning assets | 1.0454% | 5,935 |
| Net interest margin | 3.9422% | 3,272 |
| Noninterest income to average assets | 0.3716% | 5,167 |
| Noninterest expense to average assets | 2.3860% | 6,101 |
| Loan and lease loss provision to assets | 0.2347% | 4,569 |
| Net operating income to assets | 1.2908% | 1,330 |
| Return on assets (ROA) | 1.2908% | 1,389 |
| Pretax return on assets | 1.2908% | 2,121 |
| Return on Equity (ROE) | 11.6952% | 1,529 |
| Retained earnings to average equity (ytd only) | 0.1772% | 5,676 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0000% | 5,856 |
| Assets per employee ($millions) | 2.4403% | 7,180 |
| Cash dividends to net income (ytd only)* | 98.4848% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,929 |
| Loan loss allowance to noncurrent loans | 82.0000% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 5,089 |
| Noncurrent loans to loans | 1.8312% | 3,964 |
| Net loans and leases to total assets | 55.1071% | 5,826 |
| Net loans and leases to deposits | 62.5829% | 6,178 |
| Net loans and leases to core deposits | 68.5660% | 6,012 |
| Total domestic deposits to total assets | 88.0545% | 1,972 |
| Equity capital to assets | 11.5767% | 2,378 |
| Core capital (leverage) ratio | 8.6256% | 5,196 |
| Tier 1 risk-based capital ratio | 13.3875% | 4,143 |
| Total risk-based capital ratio | 14.6450% | 4,103 |
| Memoranda: | ||
| Average total assets | $10,226,330 | 7,790 |
| Average earning assets | $9,182,670 | 7,778 |
| Average equity | $1,128,670 | 7,787 |
| Average total loans | $5,577,670 | 7,708 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 5,296 |
| Cost of funding earning assets | 1.0294% | 6,232 |
| Net interest margin | 3.9033% | 3,312 |
| Noninterest income to average assets | 0.3442% | 5,388 |
| Noninterest expense to average assets | 2.3329% | 6,302 |
| Loan and lease loss provision to assets | 0.2295% | 4,206 |
| Net operating income to assets | 1.2621% | 1,379 |
| Return on assets (ROA) | 1.2621% | 1,451 |
| Pretax return on assets | 1.2621% | 2,164 |
| Return on Equity (ROE) | 11.7021% | 1,580 |
| Retained earnings to average equity (ytd only) | -0.7092% | 5,996 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0000% | 6,005 |
| Assets per employee ($millions) | 2.6370% | 6,973 |
| Cash dividends to net income (ytd only)* | 106.0606% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 4,587 |
| Loan loss allowance to noncurrent loans | 27.1429% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 2.6545% | 2,739 |
| Noncurrent loans to loans | 5.0387% | 1,434 |
| Net loans and leases to total assets | 51.9625% | 6,276 |
| Net loans and leases to deposits | 60.6238% | 6,398 |
| Net loans and leases to core deposits | 66.1078% | 6,274 |
| Total domestic deposits to total assets | 85.7129% | 3,306 |
| Equity capital to assets | 10.6845% | 3,053 |
| Core capital (leverage) ratio | 8.0826% | 6,116 |
| Tier 1 risk-based capital ratio | 12.8174% | 4,466 |
| Total risk-based capital ratio | 13.9798% | 4,499 |
| Memoranda: | ||
| Average total assets | $10,459,000 | 7,888 |
| Average earning assets | $9,325,500 | 7,877 |
| Average equity | $1,128,000 | 7,876 |
| Average total loans | $5,636,000 | 7,807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 4,947 |
| Cost of funding earning assets | 1.2750% | 6,394 |
| Net interest margin | 4.0731% | 2,554 |
| Noninterest income to average assets | 0.5107% | 4,328 |
| Noninterest expense to average assets | 2.6865% | 5,450 |
| Loan and lease loss provision to assets | 0.3882% | 4,462 |
| Net operating income to assets | 1.1236% | 1,456 |
| Return on assets (ROA) | 1.2973% | 1,087 |
| Pretax return on assets | 1.2973% | 1,703 |
| Return on Equity (ROE) | 11.4414% | 1,310 |
| Retained earnings to average equity (ytd only) | 3.7838% | 2,551 |
| Net charge-offs to loans | 0.0195% | 6,949 |
| Credit loss provision to net charge-offs | 3,800.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 199 |
| Efficiency ratio | 63.9903% | 5,782 |
| Assets per employee ($millions) | 2.5925% | 7,054 |
| Cash dividends to net income (ytd only)* | 66.9291% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 5,213 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 7,417 |
| Noncurrent loans to loans | 0.0700% | 7,250 |
| Net loans and leases to total assets | 54.4359% | 6,149 |
| Net loans and leases to deposits | 61.2854% | 6,535 |
| Net loans and leases to core deposits | 73.7138% | 6,553 |
| Total domestic deposits to total assets | 88.8235% | 1,555 |
| Equity capital to assets | 10.8872% | 2,786 |
| Core capital (leverage) ratio | 9.0840% | 4,282 |
| Tier 1 risk-based capital ratio | 12.7138% | 4,353 |
| Total risk-based capital ratio | 13.8489% | 4,391 |
| Memoranda: | ||
| Average total assets | $9,789,800 | 7,969 |
| Average earning assets | $8,863,000 | 7,956 |
| Average equity | $1,110,000 | 7,970 |
| Average total loans | $5,130,000 | 7,887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3984% | 4,958 |
| Cost of funding earning assets | 1.3610% | 6,362 |
| Net interest margin | 4.0374% | 2,647 |
| Noninterest income to average assets | 0.5392% | 4,165 |
| Noninterest expense to average assets | 2.6957% | 5,349 |
| Loan and lease loss provision to assets | 0.4147% | 3,832 |
| Net operating income to assets | 1.1198% | 1,675 |
| Return on assets (ROA) | 1.3547% | 1,174 |
| Pretax return on assets | 1.3547% | 1,813 |
| Return on Equity (ROE) | 11.8218% | 1,407 |
| Retained earnings to average equity (ytd only) | 1.5680% | 4,438 |
| Net charge-offs to loans | 0.0267% | 6,506 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 111.2782% | 327 |
| Efficiency ratio | 63.7255% | 5,809 |
| Assets per employee ($millions) | 2.2863% | 7,517 |
| Cash dividends to net income (ytd only)* | 86.7366% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.1979% | 5,210 |
| Net loans and leases to deposits | 71.1178% | 5,785 |
| Net loans and leases to core deposits | 89.1117% | 5,517 |
| Total domestic deposits to total assets | 87.4576% | 1,915 |
| Equity capital to assets | 12.0284% | 2,226 |
| Core capital (leverage) ratio | 9.0736% | 4,536 |
| Tier 1 risk-based capital ratio | 12.7136% | 4,383 |
| Total risk-based capital ratio | 13.7639% | 4,484 |
| Memoranda: | ||
| Average total assets | $9,644,750 | 8,057 |
| Average earning assets | $8,817,250 | 8,042 |
| Average equity | $1,105,250 | 8,054 |
| Average total loans | $4,983,750 | 7,967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 5,634 |
| Cost of funding earning assets | 1.4044% | 6,466 |
| Net interest margin | 3.9010% | 3,110 |
| Noninterest income to average assets | 0.5300% | 4,186 |
| Noninterest expense to average assets | 2.4869% | 6,161 |
| Loan and lease loss provision to assets | 0.3873% | 3,590 |
| Net operating income to assets | 1.2231% | 1,418 |
| Return on assets (ROA) | 1.5085% | 878 |
| Pretax return on assets | 1.5085% | 1,422 |
| Return on Equity (ROE) | 13.3695% | 1,103 |
| Retained earnings to average equity (ytd only) | 2.5294% | 3,924 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6965% | 6,448 |
| Assets per employee ($millions) | 2.2783% | 7,585 |
| Cash dividends to net income (ytd only)* | 81.0811% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 6,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.5413% | 5,755 |
| Net loans and leases to deposits | 68.7270% | 6,122 |
| Net loans and leases to core deposits | 84.9804% | 6,014 |
| Total domestic deposits to total assets | 86.6345% | 2,442 |
| Equity capital to assets | 12.1036% | 2,151 |
| Core capital (leverage) ratio | 8.5380% | 5,372 |
| Tier 1 risk-based capital ratio | 13.2483% | 3,971 |
| Total risk-based capital ratio | 14.1151% | 4,151 |
| Memoranda: | ||
| Average total assets | $9,811,330 | 8,147 |
| Average earning assets | $8,972,000 | 8,128 |
| Average equity | $1,107,000 | 8,145 |
| Average total loans | $4,728,330 | 8,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 5,618 |
| Cost of funding earning assets | 1.4695% | 6,506 |
| Net interest margin | 3.8898% | 3,074 |
| Noninterest income to average assets | 0.5512% | 3,910 |
| Noninterest expense to average assets | 2.4408% | 6,055 |
| Loan and lease loss provision to assets | 0.3543% | 3,193 |
| Net operating income to assets | 1.2991% | 1,383 |
| Return on assets (ROA) | 1.2991% | 1,480 |
| Pretax return on assets | 1.2991% | 2,288 |
| Return on Equity (ROE) | 11.9026% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.6889% | 3,312 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6154% | 6,453 |
| Assets per employee ($millions) | 2.5298% | 7,217 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,370 |
| Loan loss allowance to noncurrent loans | 323.0769% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 7,204 |
| Noncurrent loans to loans | 0.3002% | 6,691 |
| Net loans and leases to total assets | 42.3856% | 7,442 |
| Net loans and leases to deposits | 48.0022% | 7,575 |
| Net loans and leases to core deposits | 62.8886% | 7,358 |
| Total domestic deposits to total assets | 88.2992% | 1,578 |
| Equity capital to assets | 11.0189% | 2,949 |
| Core capital (leverage) ratio | 8.3872% | 5,736 |
| Tier 1 risk-based capital ratio | 15.0451% | 3,045 |
| Total risk-based capital ratio | 15.8175% | 3,205 |
| Memoranda: | ||
| Average total assets | $10,160,500 | 8,190 |
| Average earning assets | $9,255,000 | 8,173 |
| Average equity | $1,109,000 | 8,197 |
| Average total loans | $4,353,000 | 8,125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1522% | 4,766 |
| Cost of funding earning assets | 1.8746% | 6,809 |
| Net interest margin | 4.2776% | 2,052 |
| Noninterest income to average assets | 0.4536% | 5,011 |
| Noninterest expense to average assets | 2.4496% | 6,204 |
| Loan and lease loss provision to assets | 0.2268% | 4,620 |
| Net operating income to assets | 1.6331% | 785 |
| Return on assets (ROA) | 1.6331% | 744 |
| Pretax return on assets | 1.6331% | 1,304 |
| Return on Equity (ROE) | 14.6640% | 980 |
| Retained earnings to average equity (ytd only) | 6.5173% | 1,331 |
| Net charge-offs to loans | 0.6182% | 1,988 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 3,256 |
| Efficiency ratio | 56.8421% | 6,889 |
| Assets per employee ($millions) | 2.5505% | 7,111 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 7,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 42.5505% | 7,556 |
| Net loans and leases to deposits | 48.0412% | 7,705 |
| Net loans and leases to core deposits | 60.9605% | 7,539 |
| Total domestic deposits to total assets | 88.5709% | 1,218 |
| Equity capital to assets | 10.8116% | 3,195 |
| Core capital (leverage) ratio | 8.1335% | 6,277 |
| Tier 1 risk-based capital ratio | 14.4699% | 3,315 |
| Total risk-based capital ratio | 15.0871% | 3,549 |
| Memoranda: | ||
| Average total assets | $8,817,600 | 8,266 |
| Average earning assets | $7,948,400 | 8,253 |
| Average equity | $982,000 | 8,272 |
| Average total loans | $3,882,000 | 8,197 |