Home > The Citizens National Bank of Hammond > Performance and Condition Ratios
The Citizens National Bank of Hammond, 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 | 5.3406% | 2,430 |
| Cost of funding earning assets | 1.5708% | 3,031 |
| Net interest margin | 3.7698% | 1,735 |
| Noninterest income to average assets | 0.0700% | 4,241 |
| Noninterest expense to average assets | 3.2435% | 828 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.2714% | 3,901 |
| Return on assets (ROA) | 0.2714% | 3,928 |
| Pretax return on assets | 0.3257% | 3,915 |
| Return on Equity (ROE) | 3.3600% | 3,806 |
| Retained earnings to average equity (ytd only) | -0.5038% | 3,791 |
| Net charge-offs to loans | 0.2688% | 431 |
| Credit loss provision to net charge-offs | 42.8571% | 1,573 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 2,088 |
| Efficiency ratio | 88.8476% | 535 |
| Assets per employee ($millions) | 4.1229% | 4,045 |
| Cash dividends to net income (ytd only)* | 115.0000% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6509% | 4,101 |
| Loan loss allowance to noncurrent loans | 108.9431% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 1,660 |
| Noncurrent loans to loans | 0.5974% | 1,649 |
| Net loans and leases to total assets | 70.8700% | 1,739 |
| Net loans and leases to deposits | 77.7807% | 2,251 |
| Net loans and leases to core deposits | 94.9891% | 1,704 |
| Total domestic deposits to total assets | 91.1200% | 487 |
| Equity capital to assets | 8.3611% | 3,405 |
| Core capital (leverage) ratio | 8.4893% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2030% | 856 |
| Memoranda: | ||
| Average total assets | $29,474,000 | 4,342 |
| Average earning assets | $28,012,000 | 4,309 |
| Average equity | $2,382,000 | 4,383 |
| Average total loans | $20,832,000 | 4,198 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 2,772 |
| Cost of funding earning assets | 1.4795% | 3,386 |
| Net interest margin | 3.7007% | 1,684 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 3.2416% | 829 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.2298% | 3,941 |
| Return on assets (ROA) | 0.2298% | 3,969 |
| Pretax return on assets | 0.2934% | 3,940 |
| Return on Equity (ROE) | 2.7900% | 3,893 |
| Retained earnings to average equity (ytd only) | 2.7928% | 3,117 |
| Net charge-offs to loans | 0.0236% | 2,112 |
| Credit loss provision to net charge-offs | 480.0000% | 660 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,781 |
| Efficiency ratio | 89.5508% | 527 |
| Assets per employee ($millions) | 4.2983% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 4,093 |
| Loan loss allowance to noncurrent loans | 48.7973% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 700 |
| Noncurrent loans to loans | 1.3807% | 716 |
| Net loans and leases to total assets | 69.5800% | 1,953 |
| Net loans and leases to deposits | 76.1126% | 2,449 |
| Net loans and leases to core deposits | 101.4048% | 1,366 |
| Total domestic deposits to total assets | 91.4100% | 419 |
| Equity capital to assets | 7.8137% | 3,617 |
| Core capital (leverage) ratio | 8.5710% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7961% | 917 |
| Memoranda: | ||
| Average total assets | $28,288,400 | 4,371 |
| Average earning assets | $26,967,800 | 4,338 |
| Average equity | $2,327,400 | 4,402 |
| Average total loans | $21,216,000 | 4,201 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1075% | 2,844 |
| Cost of funding earning assets | 1.4012% | 3,514 |
| Net interest margin | 3.7063% | 1,628 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 3.2329% | 800 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.2395% | 3,943 |
| Return on assets (ROA) | 0.2395% | 3,972 |
| Pretax return on assets | 0.3065% | 3,938 |
| Return on Equity (ROE) | 2.8700% | 3,915 |
| Retained earnings to average equity (ytd only) | 2.8716% | 3,221 |
| Net charge-offs to loans | 0.0314% | 1,695 |
| Credit loss provision to net charge-offs | 360.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,881 |
| Efficiency ratio | 89.1678% | 575 |
| Assets per employee ($millions) | 4.0224% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 4,165 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 3,708 |
| Noncurrent loans to loans | 0.0142% | 3,694 |
| Net loans and leases to total assets | 74.5800% | 1,291 |
| Net loans and leases to deposits | 82.2143% | 1,970 |
| Net loans and leases to core deposits | 102.4590% | 1,332 |
| Total domestic deposits to total assets | 90.7200% | 421 |
| Equity capital to assets | 8.5414% | 3,372 |
| Core capital (leverage) ratio | 9.5270% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4589% | 1,011 |
| Memoranda: | ||
| Average total assets | $27,838,500 | 4,403 |
| Average earning assets | $26,548,750 | 4,372 |
| Average equity | $2,321,500 | 4,432 |
| Average total loans | $21,251,000 | 4,226 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 2,645 |
| Cost of funding earning assets | 1.3045% | 3,612 |
| Net interest margin | 3.8533% | 1,339 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 3.2237% | 799 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.3606% | 3,737 |
| Return on assets (ROA) | 0.3606% | 3,780 |
| Pretax return on assets | 0.4543% | 3,717 |
| Return on Equity (ROE) | 4.3600% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.3598% | 2,578 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 85.6322% | 761 |
| Assets per employee ($millions) | 3.8554% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 4,201 |
| Loan loss allowance to noncurrent loans | 964.2857% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,308 |
| Noncurrent loans to loans | 0.0654% | 3,342 |
| Net loans and leases to total assets | 78.7900% | 813 |
| Net loans and leases to deposits | 88.6887% | 1,430 |
| Net loans and leases to core deposits | 106.8811% | 1,105 |
| Total domestic deposits to total assets | 88.8400% | 1,056 |
| Equity capital to assets | 8.6372% | 3,002 |
| Core capital (leverage) ratio | 9.1069% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1096% | 1,065 |
| Memoranda: | ||
| Average total assets | $27,732,333 | 4,425 |
| Average earning assets | $26,522,667 | 4,393 |
| Average equity | $2,293,667 | 4,450 |
| Average total loans | $21,289,333 | 4,247 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 2,938 |
| Cost of funding earning assets | 1.1238% | 3,839 |
| Net interest margin | 3.8004% | 1,368 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 3.1596% | 882 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.3843% | 3,655 |
| Return on assets (ROA) | 0.3843% | 3,679 |
| Pretax return on assets | 0.4981% | 3,579 |
| Return on Equity (ROE) | 4.7500% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.7473% | 2,477 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 84.4106% | 881 |
| Assets per employee ($millions) | 4.0789% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 4,234 |
| Loan loss allowance to noncurrent loans | 758.8235% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,258 |
| Noncurrent loans to loans | 0.0789% | 3,225 |
| Net loans and leases to total assets | 74.9700% | 1,209 |
| Net loans and leases to deposits | 81.8616% | 1,900 |
| Net loans and leases to core deposits | 96.9431% | 1,588 |
| Total domestic deposits to total assets | 91.5800% | 405 |
| Equity capital to assets | 7.9714% | 3,386 |
| Core capital (leverage) ratio | 8.9273% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7008% | 1,140 |
| Memoranda: | ||
| Average total assets | $28,104,500 | 4,451 |
| Average earning assets | $27,050,000 | 4,419 |
| Average equity | $2,275,000 | 4,477 |
| Average total loans | $21,234,500 | 4,269 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 2,729 |
| Cost of funding earning assets | 0.6532% | 3,992 |
| Net interest margin | 4.0234% | 1,171 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 3.3022% | 735 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.3720% | 3,922 |
| Return on assets (ROA) | 0.3720% | 3,917 |
| Pretax return on assets | 0.5315% | 3,758 |
| Return on Equity (ROE) | 4.7400% | 3,770 |
| Retained earnings to average equity (ytd only) | 3.2924% | 3,195 |
| Net charge-offs to loans | -0.0097% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.2676% | 649 |
| Assets per employee ($millions) | 3.9510% | 4,175 |
| Cash dividends to net income (ytd only)* | 30.4762% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 4,262 |
| Loan loss allowance to noncurrent loans | 723.5294% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,167 |
| Noncurrent loans to loans | 0.0812% | 3,143 |
| Net loans and leases to total assets | 75.2500% | 1,212 |
| Net loans and leases to deposits | 83.0016% | 1,862 |
| Net loans and leases to core deposits | 94.0695% | 1,768 |
| Total domestic deposits to total assets | 90.6600% | 588 |
| Equity capital to assets | 8.2221% | 3,263 |
| Core capital (leverage) ratio | 8.8889% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7889% | 1,116 |
| Memoranda: | ||
| Average total assets | $28,223,600 | 4,480 |
| Average earning assets | $26,793,200 | 4,441 |
| Average equity | $2,217,200 | 4,478 |
| Average total loans | $20,541,600 | 4,284 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 2,630 |
| Cost of funding earning assets | 0.5907% | 3,989 |
| Net interest margin | 4.0309% | 1,177 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 3.1775% | 845 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.4700% | 3,822 |
| Return on assets (ROA) | 0.4700% | 3,826 |
| Pretax return on assets | 0.6487% | 3,648 |
| Return on Equity (ROE) | 6.0500% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.0522% | 2,613 |
| Net charge-offs to loans | -0.0130% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.2500% | 786 |
| Assets per employee ($millions) | 4.0700% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5552% | 4,315 |
| Loan loss allowance to noncurrent loans | 1,170.0000% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,452 |
| Noncurrent loans to loans | 0.0474% | 3,415 |
| Net loans and leases to total assets | 73.5600% | 1,397 |
| Net loans and leases to deposits | 80.1484% | 2,035 |
| Net loans and leases to core deposits | 88.4341% | 2,025 |
| Total domestic deposits to total assets | 91.7800% | 499 |
| Equity capital to assets | 7.7396% | 3,216 |
| Core capital (leverage) ratio | 8.9670% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9271% | 1,116 |
| Memoranda: | ||
| Average total assets | $28,365,250 | 4,501 |
| Average earning assets | $26,858,750 | 4,461 |
| Average equity | $2,203,000 | 4,498 |
| Average total loans | $20,443,500 | 4,301 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,499 |
| Cost of funding earning assets | 0.5127% | 3,956 |
| Net interest margin | 4.0497% | 1,152 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 3.1564% | 835 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4943% | 3,823 |
| Return on assets (ROA) | 0.4943% | 3,829 |
| Pretax return on assets | 0.7061% | 3,588 |
| Return on Equity (ROE) | 6.3600% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.3569% | 2,491 |
| Net charge-offs to loans | -0.0198% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.9642% | 843 |
| Assets per employee ($millions) | 4.0744% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5363% | 4,351 |
| Loan loss allowance to noncurrent loans | 853.8462% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,314 |
| Noncurrent loans to loans | 0.0628% | 3,253 |
| Net loans and leases to total assets | 72.1900% | 1,508 |
| Net loans and leases to deposits | 78.5922% | 2,084 |
| Net loans and leases to core deposits | 85.4416% | 2,114 |
| Total domestic deposits to total assets | 91.8500% | 447 |
| Equity capital to assets | 7.7802% | 3,360 |
| Core capital (leverage) ratio | 8.6859% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2234% | 1,081 |
| Memoranda: | ||
| Average total assets | $28,323,667 | 4,522 |
| Average earning assets | $26,915,333 | 4,488 |
| Average equity | $2,202,333 | 4,529 |
| Average total loans | $20,233,000 | 4,325 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 2,388 |
| Cost of funding earning assets | 0.4186% | 3,912 |
| Net interest margin | 4.0512% | 1,175 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 3.0753% | 966 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5244% | 3,835 |
| Return on assets (ROA) | 0.5244% | 3,795 |
| Pretax return on assets | 0.8220% | 3,417 |
| Return on Equity (ROE) | 6.7500% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7457% | 2,573 |
| Net charge-offs to loans | -0.0200% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.0576% | 999 |
| Assets per employee ($millions) | 4.1637% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5157% | 4,425 |
| Loan loss allowance to noncurrent loans | 297.1429% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,670 |
| Noncurrent loans to loans | 0.1736% | 2,611 |
| Net loans and leases to total assets | 68.8300% | 1,745 |
| Net loans and leases to deposits | 75.8794% | 2,130 |
| Net loans and leases to core deposits | 82.4267% | 2,097 |
| Total domestic deposits to total assets | 90.7100% | 905 |
| Equity capital to assets | 7.7232% | 3,429 |
| Core capital (leverage) ratio | 8.7019% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6391% | 1,051 |
| Memoranda: | ||
| Average total assets | $28,225,000 | 4,584 |
| Average earning assets | $26,757,500 | 4,553 |
| Average equity | $2,194,000 | 4,595 |
| Average total loans | $20,000,000 | 4,388 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 1,754 |
| Cost of funding earning assets | 0.0687% | 4,512 |
| Net interest margin | 3.9181% | 918 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 3.0133% | 950 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6207% | 3,829 |
| Return on assets (ROA) | 0.6207% | 3,779 |
| Pretax return on assets | 0.7362% | 3,780 |
| Return on Equity (ROE) | 7.7500% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.9465% | 2,666 |
| Net charge-offs to loans | 0.3666% | 208 |
| Credit loss provision to net charge-offs | 29.4118% | 1,896 |
| Earnings coverage of net charge-offs (x) | 3.2941% | 2,470 |
| Efficiency ratio | 78.8480% | 796 |
| Assets per employee ($millions) | 3.9033% | 4,318 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4890% | 4,442 |
| Loan loss allowance to noncurrent loans | 129.3333% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 1,385 |
| Noncurrent loans to loans | 0.3781% | 1,785 |
| Net loans and leases to total assets | 72.2400% | 1,389 |
| Net loans and leases to deposits | 78.4655% | 1,897 |
| Net loans and leases to core deposits | 78.4655% | 2,241 |
| Total domestic deposits to total assets | 92.0700% | 623 |
| Equity capital to assets | 7.8322% | 3,160 |
| Core capital (leverage) ratio | 8.5354% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7998% | 1,013 |
| Memoranda: | ||
| Average total assets | $27,710,200 | 4,620 |
| Average earning assets | $26,186,200 | 4,590 |
| Average equity | $2,219,800 | 4,662 |
| Average total loans | $18,548,200 | 4,434 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 1,780 |
| Cost of funding earning assets | 0.0660% | 4,498 |
| Net interest margin | 3.7287% | 1,074 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.8481% | 1,147 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6425% | 3,714 |
| Return on assets (ROA) | 0.6425% | 3,669 |
| Pretax return on assets | 0.7336% | 3,726 |
| Return on Equity (ROE) | 7.9800% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.9769% | 2,007 |
| Net charge-offs to loans | 0.4096% | 153 |
| Credit loss provision to net charge-offs | 16.0714% | 1,641 |
| Earnings coverage of net charge-offs (x) | 2.8929% | 2,228 |
| Efficiency ratio | 78.5714% | 867 |
| Assets per employee ($millions) | 4.1531% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5102% | 4,466 |
| Loan loss allowance to noncurrent loans | 80.3279% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 1,298 |
| Noncurrent loans to loans | 0.6351% | 1,278 |
| Net loans and leases to total assets | 65.7400% | 1,914 |
| Net loans and leases to deposits | 71.0737% | 2,280 |
| Net loans and leases to core deposits | 71.0737% | 2,562 |
| Total domestic deposits to total assets | 92.4900% | 721 |
| Equity capital to assets | 7.3748% | 3,286 |
| Core capital (leverage) ratio | 8.8437% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3247% | 944 |
| Memoranda: | ||
| Average total assets | $27,807,000 | 4,654 |
| Average earning assets | $26,246,500 | 4,623 |
| Average equity | $2,239,750 | 4,702 |
| Average total loans | $18,226,500 | 4,468 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 1,533 |
| Cost of funding earning assets | 0.0694% | 4,462 |
| Net interest margin | 3.6330% | 1,016 |
| Noninterest income to average assets | 0.0949% | 4,508 |
| Noninterest expense to average assets | 2.8848% | 1,017 |
| Loan and lease loss provision to assets | 0.0438% | 1,781 |
| Net operating income to assets | 0.5696% | 3,709 |
| Return on assets (ROA) | 0.5696% | 3,660 |
| Pretax return on assets | 0.6062% | 3,806 |
| Return on Equity (ROE) | 6.8672% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.8672% | 2,030 |
| Net charge-offs to loans | 0.6034% | 110 |
| Credit loss provision to net charge-offs | 11.1111% | 1,628 |
| Earnings coverage of net charge-offs (x) | 1.6481% | 2,059 |
| Efficiency ratio | 81.6116% | 827 |
| Assets per employee ($millions) | 3.8741% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 4,527 |
| Loan loss allowance to noncurrent loans | 388.0000% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 3,073 |
| Noncurrent loans to loans | 0.1353% | 3,030 |
| Net loans and leases to total assets | 67.7938% | 1,496 |
| Net loans and leases to deposits | 73.8057% | 1,888 |
| Net loans and leases to core deposits | 73.8057% | 2,191 |
| Total domestic deposits to total assets | 91.8544% | 902 |
| Equity capital to assets | 8.0497% | 3,084 |
| Core capital (leverage) ratio | 8.5114% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4829% | 921 |
| Memoranda: | ||
| Average total assets | $27,385,333 | 4,694 |
| Average earning assets | $25,929,000 | 4,673 |
| Average equity | $2,271,667 | 4,726 |
| Average total loans | $17,899,000 | 4,536 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 1,673 |
| Cost of funding earning assets | 0.0766% | 4,388 |
| Net interest margin | 3.4635% | 1,151 |
| Noninterest income to average assets | 0.1308% | 4,358 |
| Noninterest expense to average assets | 2.8199% | 1,124 |
| Loan and lease loss provision to assets | 0.0436% | 1,575 |
| Net operating income to assets | 0.5524% | 3,550 |
| Return on assets (ROA) | 0.5524% | 3,524 |
| Pretax return on assets | 0.5524% | 3,744 |
| Return on Equity (ROE) | 6.5630% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.5630% | 2,048 |
| Net charge-offs to loans | -0.0227% | 3,981 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5532% | 943 |
| Assets per employee ($millions) | 4.0091% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,182 |
| Loan loss allowance to noncurrent loans | 153.6082% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 1,725 |
| Noncurrent loans to loans | 0.5452% | 1,675 |
| Net loans and leases to total assets | 62.8635% | 1,758 |
| Net loans and leases to deposits | 68.3851% | 2,108 |
| Net loans and leases to core deposits | 68.3851% | 2,425 |
| Total domestic deposits to total assets | 91.9256% | 603 |
| Equity capital to assets | 8.0067% | 3,564 |
| Core capital (leverage) ratio | 8.5050% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,518,500 | 4,720 |
| Average earning assets | $26,100,500 | 4,695 |
| Average equity | $2,316,000 | 4,748 |
| Average total loans | $17,607,500 | 4,559 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 2,240 |
| Cost of funding earning assets | 0.0777% | 4,549 |
| Net interest margin | 3.5770% | 1,530 |
| Noninterest income to average assets | 0.1034% | 4,590 |
| Noninterest expense to average assets | 2.9828% | 1,011 |
| Loan and lease loss provision to assets | 0.0701% | 1,678 |
| Net operating income to assets | 0.3618% | 4,326 |
| Return on assets (ROA) | 0.3618% | 4,355 |
| Pretax return on assets | 0.4504% | 4,330 |
| Return on Equity (ROE) | 4.0362% | 4,211 |
| Retained earnings to average equity (ytd only) | 2.7183% | 3,753 |
| Net charge-offs to loans | 0.0472% | 1,354 |
| Credit loss provision to net charge-offs | 237.5000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 17.6250% | 1,935 |
| Efficiency ratio | 85.1423% | 508 |
| Assets per employee ($millions) | 3.8533% | 4,470 |
| Cash dividends to net income (ytd only)* | 32.6531% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 4,206 |
| Loan loss allowance to noncurrent loans | 162.9213% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 1,631 |
| Noncurrent loans to loans | 0.5108% | 1,842 |
| Net loans and leases to total assets | 64.0604% | 1,692 |
| Net loans and leases to deposits | 70.2770% | 2,105 |
| Net loans and leases to core deposits | 70.2770% | 2,416 |
| Total domestic deposits to total assets | 91.1541% | 432 |
| Equity capital to assets | 8.8422% | 3,770 |
| Core capital (leverage) ratio | 8.4479% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,089,000 | 4,761 |
| Average earning assets | $25,747,600 | 4,738 |
| Average equity | $2,428,000 | 4,791 |
| Average total loans | $16,953,800 | 4,614 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 2,427 |
| Cost of funding earning assets | 0.0723% | 4,675 |
| Net interest margin | 3.5752% | 1,662 |
| Noninterest income to average assets | 0.1030% | 4,657 |
| Noninterest expense to average assets | 2.8393% | 1,249 |
| Loan and lease loss provision to assets | 0.0846% | 1,414 |
| Net operating income to assets | 0.4561% | 4,288 |
| Return on assets (ROA) | 0.4561% | 4,321 |
| Pretax return on assets | 0.5738% | 4,269 |
| Return on Equity (ROE) | 5.0145% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.0145% | 3,213 |
| Net charge-offs to loans | 0.0475% | 1,185 |
| Credit loss provision to net charge-offs | 283.3333% | 1,034 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,683 |
| Efficiency ratio | 81.2062% | 689 |
| Assets per employee ($millions) | 3.7886% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 4,651 |
| Loan loss allowance to noncurrent loans | 80.8333% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 1,331 |
| Noncurrent loans to loans | 0.7058% | 1,575 |
| Net loans and leases to total assets | 63.7481% | 1,801 |
| Net loans and leases to deposits | 70.5740% | 2,179 |
| Net loans and leases to core deposits | 70.5740% | 2,543 |
| Total domestic deposits to total assets | 90.3281% | 626 |
| Equity capital to assets | 9.4193% | 3,449 |
| Core capital (leverage) ratio | 9.0895% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,188,750 | 4,832 |
| Average earning assets | $25,806,500 | 4,811 |
| Average equity | $2,472,750 | 4,860 |
| Average total loans | $16,836,250 | 4,687 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6129% | 2,581 |
| Cost of funding earning assets | 0.0844% | 4,671 |
| Net interest margin | 3.5285% | 1,779 |
| Noninterest income to average assets | 0.1094% | 4,654 |
| Noninterest expense to average assets | 2.7944% | 1,367 |
| Loan and lease loss provision to assets | 0.0803% | 1,514 |
| Net operating income to assets | 0.4743% | 4,272 |
| Return on assets (ROA) | 0.4743% | 4,312 |
| Pretax return on assets | 0.5910% | 4,247 |
| Return on Equity (ROE) | 5.2753% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.2753% | 3,086 |
| Net charge-offs to loans | 0.0715% | 918 |
| Credit loss provision to net charge-offs | 183.3333% | 1,084 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,637 |
| Efficiency ratio | 80.6316% | 746 |
| Assets per employee ($millions) | 3.8307% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5320% | 4,716 |
| Loan loss allowance to noncurrent loans | 108.3333% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 1,880 |
| Noncurrent loans to loans | 0.4911% | 2,207 |
| Net loans and leases to total assets | 63.4496% | 2,023 |
| Net loans and leases to deposits | 70.1117% | 2,399 |
| Net loans and leases to core deposits | 70.1117% | 2,770 |
| Total domestic deposits to total assets | 90.4979% | 555 |
| Equity capital to assets | 9.2448% | 3,566 |
| Core capital (leverage) ratio | 8.5878% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,411,667 | 4,863 |
| Average earning assets | $26,073,333 | 4,839 |
| Average equity | $2,464,333 | 4,895 |
| Average total loans | $16,780,667 | 4,722 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5813% | 2,700 |
| Cost of funding earning assets | 0.0759% | 4,768 |
| Net interest margin | 3.5054% | 1,807 |
| Noninterest income to average assets | 0.0866% | 4,736 |
| Noninterest expense to average assets | 2.7427% | 1,508 |
| Loan and lease loss provision to assets | 0.0722% | 1,726 |
| Net operating income to assets | 0.4908% | 4,191 |
| Return on assets (ROA) | 0.4908% | 4,231 |
| Pretax return on assets | 0.6063% | 4,185 |
| Return on Equity (ROE) | 5.5352% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.5352% | 3,051 |
| Net charge-offs to loans | 0.1444% | 529 |
| Credit loss provision to net charge-offs | 83.3333% | 1,191 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 1,600 |
| Efficiency ratio | 80.1688% | 811 |
| Assets per employee ($millions) | 3.9386% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 4,766 |
| Loan loss allowance to noncurrent loans | 66.4063% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 1,630 |
| Noncurrent loans to loans | 0.7715% | 1,698 |
| Net loans and leases to total assets | 59.8731% | 2,555 |
| Net loans and leases to deposits | 65.9515% | 2,919 |
| Net loans and leases to core deposits | 65.9515% | 3,243 |
| Total domestic deposits to total assets | 90.7835% | 480 |
| Equity capital to assets | 8.9227% | 3,758 |
| Core capital (leverage) ratio | 8.3351% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,710,000 | 4,884 |
| Average earning assets | $26,359,500 | 4,863 |
| Average equity | $2,457,000 | 4,923 |
| Average total loans | $16,618,500 | 4,750 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 2,193 |
| Cost of funding earning assets | 0.1312% | 4,785 |
| Net interest margin | 4.0502% | 876 |
| Noninterest income to average assets | 0.0561% | 4,852 |
| Noninterest expense to average assets | 3.1536% | 1,138 |
| Loan and lease loss provision to assets | 0.0481% | 3,793 |
| Net operating income to assets | 0.5490% | 3,909 |
| Return on assets (ROA) | 0.5490% | 4,003 |
| Pretax return on assets | 0.6892% | 3,903 |
| Return on Equity (ROE) | 5.7313% | 3,669 |
| Retained earnings to average equity (ytd only) | 4.0579% | 2,791 |
| Net charge-offs to loans | 0.0437% | 2,187 |
| Credit loss provision to net charge-offs | 171.4286% | 2,310 |
| Earnings coverage of net charge-offs (x) | 26.2857% | 1,722 |
| Efficiency ratio | 81.0505% | 811 |
| Assets per employee ($millions) | 3.9786% | 4,389 |
| Cash dividends to net income (ytd only)* | 29.1971% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5167% | 4,782 |
| Loan loss allowance to noncurrent loans | 69.3548% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 1,874 |
| Noncurrent loans to loans | 0.7450% | 1,840 |
| Net loans and leases to total assets | 59.4578% | 2,924 |
| Net loans and leases to deposits | 65.3215% | 3,334 |
| Net loans and leases to core deposits | 65.3215% | 3,599 |
| Total domestic deposits to total assets | 91.0233% | 221 |
| Equity capital to assets | 8.8115% | 4,213 |
| Core capital (leverage) ratio | 8.5765% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,955,600 | 4,910 |
| Average earning assets | $23,628,600 | 4,892 |
| Average equity | $2,390,400 | 4,945 |
| Average total loans | $16,011,800 | 4,787 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,038 |
| Cost of funding earning assets | 0.1452% | 4,811 |
| Net interest margin | 4.1760% | 769 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 3.0812% | 1,268 |
| Loan and lease loss provision to assets | 0.0495% | 3,736 |
| Net operating income to assets | 0.6548% | 3,612 |
| Return on assets (ROA) | 0.6548% | 3,714 |
| Pretax return on assets | 0.8253% | 3,578 |
| Return on Equity (ROE) | 6.6819% | 3,318 |
| Retained earnings to average equity (ytd only) | 6.6819% | 1,819 |
| Net charge-offs to loans | 0.0673% | 1,649 |
| Credit loss provision to net charge-offs | 112.5000% | 2,532 |
| Earnings coverage of net charge-offs (x) | 19.8750% | 1,924 |
| Efficiency ratio | 77.8860% | 1,049 |
| Assets per employee ($millions) | 3.7406% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 4,797 |
| Loan loss allowance to noncurrent loans | 90.1099% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 2,304 |
| Noncurrent loans to loans | 0.5759% | 2,362 |
| Net loans and leases to total assets | 60.0367% | 3,225 |
| Net loans and leases to deposits | 66.5341% | 3,568 |
| Net loans and leases to core deposits | 66.5341% | 3,863 |
| Total domestic deposits to total assets | 90.2345% | 352 |
| Equity capital to assets | 9.5134% | 3,675 |
| Core capital (leverage) ratio | 9.4420% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,232,000 | 4,950 |
| Average earning assets | $22,956,000 | 4,929 |
| Average equity | $2,374,500 | 4,975 |
| Average total loans | $15,853,500 | 4,821 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 2,000 |
| Cost of funding earning assets | 0.1700% | 4,836 |
| Net interest margin | 4.3026% | 751 |
| Noninterest income to average assets | -0.0594% | 5,037 |
| Noninterest expense to average assets | 3.1635% | 1,218 |
| Loan and lease loss provision to assets | 0.0509% | 3,668 |
| Net operating income to assets | 0.6446% | 3,597 |
| Return on assets (ROA) | 0.6446% | 3,688 |
| Pretax return on assets | 0.8057% | 3,566 |
| Return on Equity (ROE) | 6.5078% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.5078% | 1,857 |
| Net charge-offs to loans | 0.0630% | 1,611 |
| Credit loss provision to net charge-offs | 120.0000% | 2,280 |
| Earnings coverage of net charge-offs (x) | 20.2000% | 1,694 |
| Efficiency ratio | 78.6920% | 986 |
| Assets per employee ($millions) | 3.4344% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 4,817 |
| Loan loss allowance to noncurrent loans | 73.2143% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 1,993 |
| Noncurrent loans to loans | 0.7060% | 2,113 |
| Net loans and leases to total assets | 65.6420% | 2,682 |
| Net loans and leases to deposits | 73.2807% | 3,142 |
| Net loans and leases to core deposits | 73.2807% | 3,501 |
| Total domestic deposits to total assets | 89.5761% | 543 |
| Equity capital to assets | 10.1244% | 3,092 |
| Core capital (leverage) ratio | 9.4183% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,581,333 | 4,989 |
| Average earning assets | $22,358,667 | 4,966 |
| Average equity | $2,335,667 | 5,008 |
| Average total loans | $15,870,667 | 4,847 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 2,206 |
| Cost of funding earning assets | 0.1620% | 4,955 |
| Net interest margin | 4.3737% | 660 |
| Noninterest income to average assets | 0.1370% | 4,681 |
| Noninterest expense to average assets | 3.5629% | 854 |
| Loan and lease loss provision to assets | 0.0514% | 3,133 |
| Net operating income to assets | 0.5310% | 3,805 |
| Return on assets (ROA) | 0.5310% | 3,866 |
| Pretax return on assets | 0.6852% | 3,731 |
| Return on Equity (ROE) | 5.4231% | 3,501 |
| Retained earnings to average equity (ytd only) | 5.4231% | 2,104 |
| Net charge-offs to loans | 0.2520% | 578 |
| Credit loss provision to net charge-offs | 30.0000% | 2,155 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,146 |
| Efficiency ratio | 82.8685% | 911 |
| Assets per employee ($millions) | 3.3326% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4717% | 4,895 |
| Loan loss allowance to noncurrent loans | 49.0066% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 1,720 |
| Noncurrent loans to loans | 0.9625% | 1,706 |
| Net loans and leases to total assets | 66.9367% | 2,707 |
| Net loans and leases to deposits | 74.6879% | 3,203 |
| Net loans and leases to core deposits | 74.6879% | 3,590 |
| Total domestic deposits to total assets | 89.6219% | 437 |
| Equity capital to assets | 10.0180% | 3,766 |
| Core capital (leverage) ratio | 9.4768% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,351,500 | 5,031 |
| Average earning assets | $22,223,500 | 5,011 |
| Average equity | $2,286,500 | 5,055 |
| Average total loans | $15,874,500 | 4,887 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,825 |
| Cost of funding earning assets | 0.1775% | 5,002 |
| Net interest margin | 4.3579% | 969 |
| Noninterest income to average assets | 0.1892% | 4,533 |
| Noninterest expense to average assets | 3.1957% | 1,532 |
| Loan and lease loss provision to assets | 0.1472% | 1,455 |
| Net operating income to assets | 0.7695% | 3,647 |
| Return on assets (ROA) | 0.7695% | 3,726 |
| Pretax return on assets | 0.9755% | 3,524 |
| Return on Equity (ROE) | 8.4832% | 2,947 |
| Retained earnings to average equity (ytd only) | 6.2581% | 1,737 |
| Net charge-offs to loans | 0.2518% | 822 |
| Credit loss provision to net charge-offs | 92.1053% | 2,623 |
| Earnings coverage of net charge-offs (x) | 7.0263% | 2,909 |
| Efficiency ratio | 74.0019% | 1,601 |
| Assets per employee ($millions) | 3.3393% | 4,617 |
| Cash dividends to net income (ytd only)* | 26.2295% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5044% | 4,887 |
| Loan loss allowance to noncurrent loans | 54.7297% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 1,153 |
| Noncurrent loans to loans | 0.9215% | 1,664 |
| Net loans and leases to total assets | 68.3594% | 2,627 |
| Net loans and leases to deposits | 75.8125% | 3,201 |
| Net loans and leases to core deposits | 75.8125% | 3,584 |
| Total domestic deposits to total assets | 90.1690% | 268 |
| Equity capital to assets | 9.5658% | 4,298 |
| Core capital (leverage) ratio | 9.0469% | 4,492 |
| Tier 1 risk-based capital ratio | 19.2194% | 1,473 |
| Total risk-based capital ratio | 19.9251% | 1,565 |
| Memoranda: | ||
| Average total assets | $23,781,800 | 5,085 |
| Average earning assets | $22,534,000 | 5,067 |
| Average equity | $2,157,200 | 5,125 |
| Average total loans | $15,091,400 | 4,965 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 2,937 |
| Cost of funding earning assets | 0.1770% | 5,078 |
| Net interest margin | 4.3599% | 1,036 |
| Noninterest income to average assets | 0.1898% | 4,578 |
| Noninterest expense to average assets | 3.0425% | 1,853 |
| Loan and lease loss provision to assets | 0.1787% | 1,029 |
| Net operating income to assets | 0.8653% | 3,468 |
| Return on assets (ROA) | 0.8653% | 3,546 |
| Pretax return on assets | 1.0942% | 3,309 |
| Return on Equity (ROE) | 9.6683% | 2,587 |
| Retained earnings to average equity (ytd only) | 9.6683% | 842 |
| Net charge-offs to loans | 0.3053% | 570 |
| Credit loss provision to net charge-offs | 94.1176% | 2,353 |
| Earnings coverage of net charge-offs (x) | 6.7062% | 2,812 |
| Efficiency ratio | 70.5045% | 2,051 |
| Assets per employee ($millions) | 3.6024% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5275% | 4,934 |
| Loan loss allowance to noncurrent loans | 55.7823% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 1,356 |
| Noncurrent loans to loans | 0.9456% | 1,702 |
| Net loans and leases to total assets | 61.3197% | 3,558 |
| Net loans and leases to deposits | 67.6303% | 3,946 |
| Net loans and leases to core deposits | 67.6303% | 4,189 |
| Total domestic deposits to total assets | 90.6690% | 141 |
| Equity capital to assets | 9.0653% | 4,747 |
| Core capital (leverage) ratio | 9.4426% | 4,229 |
| Tier 1 risk-based capital ratio | 19.9964% | 1,359 |
| Total risk-based capital ratio | 20.7330% | 1,437 |
| Memoranda: | ||
| Average total assets | $23,883,500 | 5,163 |
| Average earning assets | $22,599,500 | 5,143 |
| Average equity | $2,137,500 | 5,205 |
| Average total loans | $14,849,250 | 5,046 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 2,743 |
| Cost of funding earning assets | 0.1795% | 5,116 |
| Net interest margin | 4.3978% | 944 |
| Noninterest income to average assets | 0.2048% | 4,525 |
| Noninterest expense to average assets | 3.0974% | 1,737 |
| Loan and lease loss provision to assets | 0.1365% | 1,357 |
| Net operating income to assets | 0.9130% | 3,233 |
| Return on assets (ROA) | 0.9130% | 3,295 |
| Pretax return on assets | 1.1519% | 3,073 |
| Return on Equity (ROE) | 10.2490% | 2,269 |
| Retained earnings to average equity (ytd only) | 10.2490% | 690 |
| Net charge-offs to loans | 0.2052% | 809 |
| Credit loss provision to net charge-offs | 106.6667% | 1,877 |
| Earnings coverage of net charge-offs (x) | 10.0667% | 2,295 |
| Efficiency ratio | 70.6226% | 2,132 |
| Assets per employee ($millions) | 3.2886% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5721% | 4,921 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 1,570 |
| Noncurrent loans to loans | 0.6865% | 2,257 |
| Net loans and leases to total assets | 64.1703% | 3,321 |
| Net loans and leases to deposits | 71.2110% | 3,750 |
| Net loans and leases to core deposits | 71.2110% | 4,052 |
| Total domestic deposits to total assets | 90.1129% | 306 |
| Equity capital to assets | 9.6568% | 4,267 |
| Core capital (leverage) ratio | 9.0939% | 4,557 |
| Tier 1 risk-based capital ratio | 20.0885% | 1,337 |
| Total risk-based capital ratio | 20.8725% | 1,391 |
| Memoranda: | ||
| Average total assets | $23,439,000 | 5,214 |
| Average earning assets | $22,284,000 | 5,192 |
| Average equity | $2,088,000 | 5,251 |
| Average total loans | $14,617,330 | 5,095 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,703 |
| Cost of funding earning assets | 0.1776% | 5,164 |
| Net interest margin | 4.3700% | 968 |
| Noninterest income to average assets | 0.1353% | 4,920 |
| Noninterest expense to average assets | 3.0953% | 1,745 |
| Loan and lease loss provision to assets | 0.0169% | 3,216 |
| Net operating income to assets | 0.9472% | 3,060 |
| Return on assets (ROA) | 0.9472% | 3,103 |
| Pretax return on assets | 1.1840% | 2,863 |
| Return on Equity (ROE) | 11.0864% | 1,914 |
| Retained earnings to average equity (ytd only) | 11.0864% | 784 |
| Net charge-offs to loans | 0.0828% | 1,268 |
| Credit loss provision to net charge-offs | 33.3333% | 2,070 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,464 |
| Efficiency ratio | 72.0472% | 2,036 |
| Assets per employee ($millions) | 3.4240% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 5,011 |
| Loan loss allowance to noncurrent loans | 73.8739% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 1,579 |
| Noncurrent loans to loans | 0.7549% | 2,142 |
| Net loans and leases to total assets | 61.0063% | 3,601 |
| Net loans and leases to deposits | 66.9567% | 3,988 |
| Net loans and leases to core deposits | 66.9567% | 4,234 |
| Total domestic deposits to total assets | 91.1132% | 151 |
| Equity capital to assets | 8.6282% | 4,914 |
| Core capital (leverage) ratio | 8.8293% | 4,772 |
| Tier 1 risk-based capital ratio | 19.7455% | 1,386 |
| Total risk-based capital ratio | 20.5071% | 1,463 |
| Memoranda: | ||
| Average total assets | $23,648,500 | 5,266 |
| Average earning assets | $22,517,000 | 5,244 |
| Average equity | $2,020,500 | 5,310 |
| Average total loans | $14,497,500 | 5,158 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 2,800 |
| Cost of funding earning assets | 0.2035% | 4,984 |
| Net interest margin | 4.1849% | 1,431 |
| Noninterest income to average assets | 0.2128% | 4,633 |
| Noninterest expense to average assets | 3.2391% | 1,453 |
| Loan and lease loss provision to assets | 0.1216% | 1,812 |
| Net operating income to assets | 0.6209% | 4,364 |
| Return on assets (ROA) | 0.6209% | 4,373 |
| Pretax return on assets | 0.7816% | 4,220 |
| Return on Equity (ROE) | 7.4674% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.7441% | 2,329 |
| Net charge-offs to loans | 0.2264% | 861 |
| Credit loss provision to net charge-offs | 90.3226% | 2,715 |
| Earnings coverage of net charge-offs (x) | 6.7097% | 3,059 |
| Efficiency ratio | 78.1971% | 1,107 |
| Assets per employee ($millions) | 3.3327% | 4,718 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5878% | 4,992 |
| Loan loss allowance to noncurrent loans | 48.8372% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1788% | 1,112 |
| Noncurrent loans to loans | 1.2036% | 1,331 |
| Net loans and leases to total assets | 60.8985% | 3,675 |
| Net loans and leases to deposits | 66.6714% | 4,068 |
| Net loans and leases to core deposits | 66.6714% | 4,315 |
| Total domestic deposits to total assets | 91.3412% | 142 |
| Equity capital to assets | 8.4573% | 4,959 |
| Core capital (leverage) ratio | 8.5656% | 4,980 |
| Tier 1 risk-based capital ratio | 19.8429% | 1,335 |
| Total risk-based capital ratio | 20.6477% | 1,388 |
| Memoranda: | ||
| Average total assets | $23,030,800 | 5,315 |
| Average earning assets | $21,625,400 | 5,298 |
| Average equity | $1,915,000 | 5,362 |
| Average total loans | $13,692,000 | 5,217 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 3,274 |
| Cost of funding earning assets | 0.1929% | 5,045 |
| Net interest margin | 4.0195% | 1,896 |
| Noninterest income to average assets | 0.1917% | 4,829 |
| Noninterest expense to average assets | 3.1422% | 1,664 |
| Loan and lease loss provision to assets | 0.0929% | 2,120 |
| Net operating income to assets | 0.5634% | 4,607 |
| Return on assets (ROA) | 0.5634% | 4,614 |
| Pretax return on assets | 0.7086% | 4,515 |
| Return on Equity (ROE) | 6.8051% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.8051% | 2,233 |
| Net charge-offs to loans | 0.1969% | 854 |
| Credit loss provision to net charge-offs | 80.0000% | 2,526 |
| Earnings coverage of net charge-offs (x) | 6.8991% | 2,843 |
| Efficiency ratio | 79.6760% | 977 |
| Assets per employee ($millions) | 3.3601% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 5,050 |
| Loan loss allowance to noncurrent loans | 76.1468% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 1,640 |
| Noncurrent loans to loans | 0.7823% | 2,142 |
| Net loans and leases to total assets | 58.8878% | 3,957 |
| Net loans and leases to deposits | 65.1321% | 4,265 |
| Net loans and leases to core deposits | 65.1321% | 4,450 |
| Total domestic deposits to total assets | 90.4128% | 376 |
| Equity capital to assets | 8.0821% | 5,149 |
| Core capital (leverage) ratio | 8.9478% | 4,748 |
| Tier 1 risk-based capital ratio | 19.7600% | 1,386 |
| Total risk-based capital ratio | 20.5569% | 1,442 |
| Memoranda: | ||
| Average total assets | $22,956,250 | 5,386 |
| Average earning assets | $21,428,250 | 5,370 |
| Average equity | $1,900,500 | 5,434 |
| Average total loans | $13,542,250 | 5,286 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 3,124 |
| Cost of funding earning assets | 0.1967% | 5,045 |
| Net interest margin | 3.9998% | 1,866 |
| Noninterest income to average assets | 0.1933% | 4,858 |
| Noninterest expense to average assets | 3.2063% | 1,522 |
| Loan and lease loss provision to assets | 0.0527% | 2,862 |
| Net operating income to assets | 0.5534% | 4,624 |
| Return on assets (ROA) | 0.5534% | 4,625 |
| Pretax return on assets | 0.6852% | 4,548 |
| Return on Equity (ROE) | 6.6304% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.6304% | 2,244 |
| Net charge-offs to loans | 0.2982% | 535 |
| Credit loss provision to net charge-offs | 30.0000% | 2,624 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 2,811 |
| Efficiency ratio | 81.2918% | 892 |
| Assets per employee ($millions) | 3.2371% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5321% | 5,217 |
| Loan loss allowance to noncurrent loans | 52.1429% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 1,385 |
| Noncurrent loans to loans | 1.0204% | 1,727 |
| Net loans and leases to total assets | 60.2251% | 3,785 |
| Net loans and leases to deposits | 65.8607% | 4,173 |
| Net loans and leases to core deposits | 65.8607% | 4,375 |
| Total domestic deposits to total assets | 91.4431% | 162 |
| Equity capital to assets | 8.3628% | 5,044 |
| Core capital (leverage) ratio | 8.6542% | 4,993 |
| Tier 1 risk-based capital ratio | 20.0257% | 1,314 |
| Total risk-based capital ratio | 20.7484% | 1,394 |
| Memoranda: | ||
| Average total assets | $22,768,000 | 5,452 |
| Average earning assets | $21,351,330 | 5,434 |
| Average equity | $1,900,330 | 5,496 |
| Average total loans | $13,411,670 | 5,348 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,252 |
| Cost of funding earning assets | 0.1870% | 5,088 |
| Net interest margin | 3.9081% | 2,017 |
| Noninterest income to average assets | 0.1577% | 5,073 |
| Noninterest expense to average assets | 3.2250% | 1,518 |
| Loan and lease loss provision to assets | 0.0526% | 2,723 |
| Net operating income to assets | 0.4382% | 4,844 |
| Return on assets (ROA) | 0.4382% | 4,849 |
| Pretax return on assets | 0.5433% | 4,802 |
| Return on Equity (ROE) | 5.2549% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.2549% | 3,057 |
| Net charge-offs to loans | 0.6034% | 251 |
| Credit loss provision to net charge-offs | 15.0000% | 2,155 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 2,530 |
| Efficiency ratio | 84.4037% | 771 |
| Assets per employee ($millions) | 3.2477% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 5,297 |
| Loan loss allowance to noncurrent loans | 67.9612% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 1,751 |
| Noncurrent loans to loans | 0.7722% | 2,279 |
| Net loans and leases to total assets | 58.3619% | 3,907 |
| Net loans and leases to deposits | 63.7731% | 4,222 |
| Net loans and leases to core deposits | 63.7731% | 4,440 |
| Total domestic deposits to total assets | 91.5149% | 183 |
| Equity capital to assets | 8.2520% | 5,143 |
| Core capital (leverage) ratio | 8.5395% | 5,121 |
| Tier 1 risk-based capital ratio | 20.3173% | 1,290 |
| Total risk-based capital ratio | 21.0338% | 1,353 |
| Memoranda: | ||
| Average total assets | $22,822,000 | 5,512 |
| Average earning assets | $21,391,500 | 5,492 |
| Average equity | $1,903,000 | 5,555 |
| Average total loans | $13,257,500 | 5,419 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,328 |
| Cost of funding earning assets | 0.1982% | 4,963 |
| Net interest margin | 3.8256% | 2,338 |
| Noninterest income to average assets | 0.1829% | 5,040 |
| Noninterest expense to average assets | 3.2707% | 1,434 |
| Loan and lease loss provision to assets | 0.0523% | 3,183 |
| Net operating income to assets | 0.2961% | 4,936 |
| Return on assets (ROA) | 0.2961% | 4,947 |
| Pretax return on assets | 0.4747% | 4,968 |
| Return on Equity (ROE) | 3.4983% | 4,687 |
| Retained earnings to average equity (ytd only) | 1.8520% | 4,206 |
| Net charge-offs to loans | 0.0788% | 2,318 |
| Credit loss provision to net charge-offs | 120.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | 12.1000% | 2,505 |
| Efficiency ratio | 86.1239% | 638 |
| Assets per employee ($millions) | 3.2729% | 4,969 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 5,136 |
| Loan loss allowance to noncurrent loans | 50.5814% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,621 |
| Noncurrent loans to loans | 1.3053% | 1,331 |
| Net loans and leases to total assets | 57.1366% | 4,099 |
| Net loans and leases to deposits | 62.5119% | 4,410 |
| Net loans and leases to core deposits | 62.5119% | 4,631 |
| Total domestic deposits to total assets | 91.4011% | 157 |
| Equity capital to assets | 8.4243% | 5,170 |
| Core capital (leverage) ratio | 8.4330% | 5,196 |
| Tier 1 risk-based capital ratio | 20.4420% | 1,240 |
| Total risk-based capital ratio | 21.3489% | 1,256 |
| Memoranda: | ||
| Average total assets | $22,961,600 | 5,573 |
| Average earning assets | $21,695,800 | 5,547 |
| Average equity | $1,943,800 | 5,612 |
| Average total loans | $12,688,600 | 5,493 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,408 |
| Cost of funding earning assets | 0.1906% | 5,052 |
| Net interest margin | 3.7929% | 2,432 |
| Noninterest income to average assets | 0.1857% | 5,088 |
| Noninterest expense to average assets | 3.2151% | 1,527 |
| Loan and lease loss provision to assets | 0.0522% | 3,053 |
| Net operating income to assets | 0.4062% | 4,988 |
| Return on assets (ROA) | 0.4062% | 5,020 |
| Pretax return on assets | 0.4991% | 5,033 |
| Return on Equity (ROE) | 4.7929% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.7929% | 3,023 |
| Net charge-offs to loans | 0.0212% | 3,051 |
| Credit loss provision to net charge-offs | 450.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 47.4382% | 1,155 |
| Efficiency ratio | 85.3621% | 661 |
| Assets per employee ($millions) | 3.3447% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 5,086 |
| Loan loss allowance to noncurrent loans | 37.2470% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 1,293 |
| Noncurrent loans to loans | 1.9437% | 885 |
| Net loans and leases to total assets | 53.8846% | 4,426 |
| Net loans and leases to deposits | 60.0819% | 4,637 |
| Net loans and leases to core deposits | 60.0819% | 4,815 |
| Total domestic deposits to total assets | 89.6852% | 581 |
| Equity capital to assets | 8.4910% | 5,293 |
| Core capital (leverage) ratio | 8.7357% | 5,024 |
| Tier 1 risk-based capital ratio | 21.6116% | 1,100 |
| Total risk-based capital ratio | 22.6108% | 1,118 |
| Memoranda: | ||
| Average total assets | $22,974,500 | 5,637 |
| Average earning assets | $21,689,250 | 5,611 |
| Average equity | $1,947,250 | 5,677 |
| Average total loans | $12,566,500 | 5,557 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,188 |
| Cost of funding earning assets | 0.1854% | 5,102 |
| Net interest margin | 3.8194% | 2,211 |
| Noninterest income to average assets | 0.1577% | 5,265 |
| Noninterest expense to average assets | 3.1978% | 1,587 |
| Loan and lease loss provision to assets | 0.0526% | 2,929 |
| Net operating income to assets | 0.4205% | 4,929 |
| Return on assets (ROA) | 0.4205% | 4,956 |
| Pretax return on assets | 0.5169% | 4,980 |
| Return on Equity (ROE) | 4.9647% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.9647% | 2,730 |
| Net charge-offs to loans | 0.0160% | 2,927 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 891 |
| Efficiency ratio | 84.8837% | 773 |
| Assets per employee ($millions) | 3.2270% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 5,177 |
| Loan loss allowance to noncurrent loans | 34.4828% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.3635% | 1,166 |
| Noncurrent loans to loans | 2.0700% | 803 |
| Net loans and leases to total assets | 55.4208% | 4,277 |
| Net loans and leases to deposits | 62.6796% | 4,457 |
| Net loans and leases to core deposits | 62.6796% | 4,682 |
| Total domestic deposits to total assets | 88.4191% | 1,248 |
| Equity capital to assets | 8.7742% | 5,086 |
| Core capital (leverage) ratio | 8.4533% | 5,251 |
| Tier 1 risk-based capital ratio | 21.3967% | 1,129 |
| Total risk-based capital ratio | 22.3757% | 1,141 |
| Memoranda: | ||
| Average total assets | $22,828,330 | 5,684 |
| Average earning assets | $21,574,000 | 5,658 |
| Average equity | $1,933,670 | 5,726 |
| Average total loans | $12,519,330 | 5,605 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 3,052 |
| Cost of funding earning assets | 0.1842% | 5,118 |
| Net interest margin | 3.8130% | 2,075 |
| Noninterest income to average assets | 0.1394% | 5,414 |
| Noninterest expense to average assets | 3.1898% | 1,643 |
| Loan and lease loss provision to assets | 0.0523% | 2,767 |
| Net operating income to assets | 0.4183% | 4,899 |
| Return on assets (ROA) | 0.4183% | 4,921 |
| Pretax return on assets | 0.5055% | 4,962 |
| Return on Equity (ROE) | 5.0275% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.0275% | 2,878 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1163% | 883 |
| Assets per employee ($millions) | 2.9011% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 5,278 |
| Loan loss allowance to noncurrent loans | 40.5530% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.1375% | 1,554 |
| Noncurrent loans to loans | 1.7574% | 1,079 |
| Net loans and leases to total assets | 52.8243% | 4,442 |
| Net loans and leases to deposits | 57.7050% | 4,721 |
| Net loans and leases to core deposits | 57.7050% | 4,894 |
| Total domestic deposits to total assets | 91.5421% | 171 |
| Equity capital to assets | 8.2899% | 5,358 |
| Core capital (leverage) ratio | 8.3077% | 5,377 |
| Tier 1 risk-based capital ratio | 21.7071% | 1,119 |
| Total risk-based capital ratio | 22.6902% | 1,135 |
| Memoranda: | ||
| Average total assets | $22,948,000 | 5,754 |
| Average earning assets | $21,715,000 | 5,722 |
| Average equity | $1,909,500 | 5,794 |
| Average total loans | $12,474,500 | 5,667 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,275 |
| Cost of funding earning assets | 0.1899% | 5,108 |
| Net interest margin | 3.7883% | 2,357 |
| Noninterest income to average assets | 0.1759% | 5,345 |
| Noninterest expense to average assets | 3.3020% | 1,572 |
| Loan and lease loss provision to assets | 0.0451% | 3,482 |
| Net operating income to assets | 0.3609% | 5,055 |
| Return on assets (ROA) | 0.3609% | 5,140 |
| Pretax return on assets | 0.4285% | 5,164 |
| Return on Equity (ROE) | 4.0580% | 4,815 |
| Retained earnings to average equity (ytd only) | 2.4348% | 4,138 |
| Net charge-offs to loans | 0.0991% | 2,288 |
| Credit loss provision to net charge-offs | 83.3333% | 2,922 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,840 |
| Efficiency ratio | 87.4552% | 720 |
| Assets per employee ($millions) | 2.8359% | 5,462 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 5,404 |
| Loan loss allowance to noncurrent loans | 72.0339% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 2,547 |
| Noncurrent loans to loans | 0.9364% | 2,213 |
| Net loans and leases to total assets | 55.1682% | 4,333 |
| Net loans and leases to deposits | 60.2832% | 4,652 |
| Net loans and leases to core deposits | 60.2832% | 4,850 |
| Total domestic deposits to total assets | 91.5150% | 159 |
| Equity capital to assets | 8.3528% | 5,386 |
| Core capital (leverage) ratio | 8.2684% | 5,457 |
| Tier 1 risk-based capital ratio | 21.4166% | 1,147 |
| Total risk-based capital ratio | 22.3648% | 1,174 |
| Memoranda: | ||
| Average total assets | $22,168,200 | 5,816 |
| Average earning assets | $21,064,800 | 5,785 |
| Average equity | $1,971,400 | 5,846 |
| Average total loans | $12,110,000 | 5,728 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 3,384 |
| Cost of funding earning assets | 0.1915% | 5,159 |
| Net interest margin | 3.7668% | 2,465 |
| Noninterest income to average assets | 0.1875% | 5,337 |
| Noninterest expense to average assets | 3.2548% | 1,664 |
| Loan and lease loss provision to assets | 0.0423% | 3,387 |
| Net operating income to assets | 0.3812% | 5,088 |
| Return on assets (ROA) | 0.3812% | 5,172 |
| Pretax return on assets | 0.4598% | 5,214 |
| Return on Equity (ROE) | 4.2200% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.2200% | 3,323 |
| Net charge-offs to loans | 0.1335% | 1,637 |
| Credit loss provision to net charge-offs | 58.3333% | 2,926 |
| Earnings coverage of net charge-offs (x) | 6.9163% | 2,945 |
| Efficiency ratio | 86.6345% | 771 |
| Assets per employee ($millions) | 2.8966% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 5,489 |
| Loan loss allowance to noncurrent loans | 47.6744% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 2,199 |
| Noncurrent loans to loans | 1.4056% | 1,564 |
| Net loans and leases to total assets | 52.4533% | 4,621 |
| Net loans and leases to deposits | 57.7901% | 4,889 |
| Net loans and leases to core deposits | 57.7901% | 5,064 |
| Total domestic deposits to total assets | 90.7651% | 251 |
| Equity capital to assets | 8.8120% | 5,311 |
| Core capital (leverage) ratio | 8.6308% | 5,230 |
| Tier 1 risk-based capital ratio | 21.7011% | 1,170 |
| Total risk-based capital ratio | 22.6212% | 1,196 |
| Memoranda: | ||
| Average total assets | $22,038,500 | 5,880 |
| Average earning assets | $20,884,000 | 5,851 |
| Average equity | $1,990,500 | 5,909 |
| Average total loans | $11,987,250 | 5,792 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,121 |
| Cost of funding earning assets | 0.1856% | 5,276 |
| Net interest margin | 3.8489% | 2,143 |
| Noninterest income to average assets | 0.1477% | 5,562 |
| Noninterest expense to average assets | 3.2686% | 1,649 |
| Loan and lease loss provision to assets | 0.0369% | 3,421 |
| Net operating income to assets | 0.3970% | 5,043 |
| Return on assets (ROA) | 0.3970% | 5,122 |
| Pretax return on assets | 0.4801% | 5,173 |
| Return on Equity (ROE) | 4.3581% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.3581% | 3,142 |
| Net charge-offs to loans | 0.2016% | 1,141 |
| Credit loss provision to net charge-offs | 33.3333% | 2,826 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,963 |
| Efficiency ratio | 86.3415% | 850 |
| Assets per employee ($millions) | 2.7530% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 5,585 |
| Loan loss allowance to noncurrent loans | 45.4023% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 2,138 |
| Noncurrent loans to loans | 1.4640% | 1,504 |
| Net loans and leases to total assets | 53.6052% | 4,546 |
| Net loans and leases to deposits | 59.3296% | 4,832 |
| Net loans and leases to core deposits | 59.3296% | 5,005 |
| Total domestic deposits to total assets | 90.3514% | 367 |
| Equity capital to assets | 9.2218% | 5,051 |
| Core capital (leverage) ratio | 8.5036% | 5,364 |
| Tier 1 risk-based capital ratio | 22.3219% | 1,102 |
| Total risk-based capital ratio | 23.2428% | 1,121 |
| Memoranda: | ||
| Average total assets | $21,660,330 | 5,957 |
| Average earning assets | $20,473,330 | 5,930 |
| Average equity | $1,973,330 | 5,985 |
| Average total loans | $11,904,000 | 5,865 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,130 |
| Cost of funding earning assets | 0.1973% | 5,230 |
| Net interest margin | 3.8276% | 2,194 |
| Noninterest income to average assets | 0.1490% | 5,595 |
| Noninterest expense to average assets | 3.4081% | 1,366 |
| Loan and lease loss provision to assets | 0.0372% | 3,167 |
| Net operating income to assets | 0.2980% | 5,313 |
| Return on assets (ROA) | 0.2980% | 5,393 |
| Pretax return on assets | 0.3166% | 5,483 |
| Return on Equity (ROE) | 3.2913% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.2913% | 3,848 |
| Net charge-offs to loans | 0.4029% | 560 |
| Credit loss provision to net charge-offs | 16.6667% | 2,319 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 2,797 |
| Efficiency ratio | 90.5941% | 634 |
| Assets per employee ($millions) | 2.8248% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 5,679 |
| Loan loss allowance to noncurrent loans | 62.0968% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 2,810 |
| Noncurrent loans to loans | 1.0387% | 2,311 |
| Net loans and leases to total assets | 52.4869% | 4,580 |
| Net loans and leases to deposits | 57.7402% | 4,868 |
| Net loans and leases to core deposits | 57.7402% | 5,063 |
| Total domestic deposits to total assets | 90.9018% | 299 |
| Equity capital to assets | 8.6999% | 5,423 |
| Core capital (leverage) ratio | 8.6751% | 5,203 |
| Tier 1 risk-based capital ratio | 21.8024% | 1,189 |
| Total risk-based capital ratio | 22.6921% | 1,220 |
| Memoranda: | ||
| Average total assets | $21,478,500 | 6,022 |
| Average earning assets | $20,274,000 | 5,995 |
| Average equity | $1,944,500 | 6,046 |
| Average total loans | $11,913,500 | 5,922 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,478 |
| Cost of funding earning assets | 0.2026% | 5,266 |
| Net interest margin | 4.0216% | 1,645 |
| Noninterest income to average assets | 0.2292% | 5,221 |
| Noninterest expense to average assets | 3.4676% | 1,351 |
| Loan and lease loss provision to assets | 0.0146% | 4,116 |
| Net operating income to assets | 0.4682% | 4,818 |
| Return on assets (ROA) | 0.4682% | 4,898 |
| Pretax return on assets | 0.5218% | 5,060 |
| Return on Equity (ROE) | 5.0078% | 4,499 |
| Retained earnings to average equity (ytd only) | 3.3385% | 3,676 |
| Net charge-offs to loans | 0.1845% | 1,561 |
| Credit loss provision to net charge-offs | 13.6364% | 3,800 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,451 |
| Efficiency ratio | 86.6017% | 953 |
| Assets per employee ($millions) | 2.5449% | 5,866 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 5,576 |
| Loan loss allowance to noncurrent loans | 36.8644% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 1,610 |
| Noncurrent loans to loans | 1.9850% | 1,057 |
| Net loans and leases to total assets | 57.9694% | 4,097 |
| Net loans and leases to deposits | 64.2986% | 4,447 |
| Net loans and leases to core deposits | 64.2986% | 4,721 |
| Total domestic deposits to total assets | 90.1567% | 569 |
| Equity capital to assets | 9.4455% | 4,616 |
| Core capital (leverage) ratio | 8.8430% | 5,063 |
| Tier 1 risk-based capital ratio | 22.2606% | 1,113 |
| Total risk-based capital ratio | 23.2957% | 1,116 |
| Memoranda: | ||
| Average total assets | $20,504,200 | 6,088 |
| Average earning assets | $19,246,000 | 6,066 |
| Average equity | $1,917,000 | 6,111 |
| Average total loans | $11,925,200 | 5,972 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 2,542 |
| Cost of funding earning assets | 0.2015% | 5,361 |
| Net interest margin | 4.0086% | 1,668 |
| Noninterest income to average assets | 0.2467% | 5,164 |
| Noninterest expense to average assets | 3.3494% | 1,578 |
| Loan and lease loss provision to assets | 0.0325% | 3,586 |
| Net operating income to assets | 0.5323% | 4,667 |
| Return on assets (ROA) | 0.5323% | 4,766 |
| Pretax return on assets | 0.6102% | 4,952 |
| Return on Equity (ROE) | 5.7076% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.7076% | 2,436 |
| Net charge-offs to loans | 0.2458% | 1,065 |
| Credit loss provision to net charge-offs | 22.7273% | 3,340 |
| Earnings coverage of net charge-offs (x) | 4.5005% | 3,340 |
| Efficiency ratio | 83.9024% | 1,185 |
| Assets per employee ($millions) | 2.6674% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 5,639 |
| Loan loss allowance to noncurrent loans | 43.2039% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1388% | 2,094 |
| Noncurrent loans to loans | 1.7167% | 1,401 |
| Net loans and leases to total assets | 55.8180% | 4,376 |
| Net loans and leases to deposits | 61.7758% | 4,736 |
| Net loans and leases to core deposits | 61.7758% | 4,954 |
| Total domestic deposits to total assets | 90.3557% | 445 |
| Equity capital to assets | 9.1991% | 5,113 |
| Core capital (leverage) ratio | 9.3677% | 4,486 |
| Tier 1 risk-based capital ratio | 22.4640% | 1,132 |
| Total risk-based capital ratio | 23.7127% | 1,110 |
| Memoranda: | ||
| Average total assets | $20,540,500 | 6,171 |
| Average earning assets | $19,191,250 | 6,152 |
| Average equity | $1,915,500 | 6,197 |
| Average total loans | $11,934,250 | 6,052 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,267 |
| Cost of funding earning assets | 0.1995% | 5,439 |
| Net interest margin | 4.0738% | 1,429 |
| Noninterest income to average assets | 0.2072% | 5,443 |
| Noninterest expense to average assets | 3.4132% | 1,452 |
| Loan and lease loss provision to assets | 0.0296% | 3,536 |
| Net operating income to assets | 0.5130% | 4,712 |
| Return on assets (ROA) | 0.5130% | 4,821 |
| Pretax return on assets | 0.5919% | 4,994 |
| Return on Equity (ROE) | 5.4746% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.4746% | 2,547 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5966% | 1,202 |
| Assets per employee ($millions) | 2.4911% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 5,314 |
| Loan loss allowance to noncurrent loans | 191.2281% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 4,048 |
| Noncurrent loans to loans | 0.4686% | 4,074 |
| Net loans and leases to total assets | 60.4897% | 3,759 |
| Net loans and leases to deposits | 69.3494% | 4,000 |
| Net loans and leases to core deposits | 69.3494% | 4,384 |
| Total domestic deposits to total assets | 87.2246% | 2,047 |
| Equity capital to assets | 9.5338% | 4,608 |
| Core capital (leverage) ratio | 9.1508% | 4,749 |
| Tier 1 risk-based capital ratio | 22.0458% | 1,204 |
| Total risk-based capital ratio | 23.3021% | 1,182 |
| Memoranda: | ||
| Average total assets | $20,274,330 | 6,252 |
| Average earning assets | $19,048,330 | 6,229 |
| Average equity | $1,899,670 | 6,269 |
| Average total loans | $11,912,330 | 6,120 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 2,509 |
| Cost of funding earning assets | 0.2073% | 5,441 |
| Net interest margin | 3.9803% | 1,622 |
| Noninterest income to average assets | 0.2152% | 5,413 |
| Noninterest expense to average assets | 3.4235% | 1,445 |
| Loan and lease loss provision to assets | 0.0391% | 3,125 |
| Net operating income to assets | 0.4304% | 4,943 |
| Return on assets (ROA) | 0.4304% | 5,067 |
| Pretax return on assets | 0.5086% | 5,158 |
| Return on Equity (ROE) | 4.6328% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.6328% | 3,250 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2069% | 1,167 |
| Assets per employee ($millions) | 2.6139% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 5,402 |
| Loan loss allowance to noncurrent loans | 174.1935% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 4,135 |
| Noncurrent loans to loans | 0.5241% | 3,999 |
| Net loans and leases to total assets | 56.0566% | 4,194 |
| Net loans and leases to deposits | 61.9818% | 4,568 |
| Net loans and leases to core deposits | 61.9818% | 4,839 |
| Total domestic deposits to total assets | 90.4404% | 549 |
| Equity capital to assets | 9.2152% | 5,067 |
| Core capital (leverage) ratio | 8.7909% | 5,218 |
| Tier 1 risk-based capital ratio | 22.0217% | 1,239 |
| Total risk-based capital ratio | 23.2732% | 1,219 |
| Memoranda: | ||
| Average total assets | $20,447,000 | 6,318 |
| Average earning assets | $19,295,000 | 6,294 |
| Average equity | $1,899,500 | 6,330 |
| Average total loans | $11,786,500 | 6,178 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 3,060 |
| Cost of funding earning assets | 0.2075% | 5,684 |
| Net interest margin | 3.9579% | 2,017 |
| Noninterest income to average assets | 0.2048% | 5,634 |
| Noninterest expense to average assets | 3.4764% | 1,536 |
| Loan and lease loss provision to assets | 0.0599% | 3,329 |
| Net operating income to assets | 0.4395% | 5,069 |
| Return on assets (ROA) | 0.4395% | 5,158 |
| Pretax return on assets | 0.3846% | 5,521 |
| Return on Equity (ROE) | 4.8389% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.0793% | 4,052 |
| Net charge-offs to loans | 0.2234% | 1,877 |
| Credit loss provision to net charge-offs | 48.0000% | 3,527 |
| Earnings coverage of net charge-offs (x) | 3.5600% | 3,860 |
| Efficiency ratio | 88.6624% | 938 |
| Assets per employee ($millions) | 2.4979% | 6,161 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 5,469 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 2,263 |
| Noncurrent loans to loans | 1.8053% | 1,590 |
| Net loans and leases to total assets | 58.2345% | 4,022 |
| Net loans and leases to deposits | 64.4245% | 4,486 |
| Net loans and leases to core deposits | 64.4245% | 4,796 |
| Total domestic deposits to total assets | 90.3918% | 579 |
| Equity capital to assets | 9.3680% | 4,888 |
| Core capital (leverage) ratio | 8.3922% | 5,672 |
| Tier 1 risk-based capital ratio | 22.1175% | 1,206 |
| Total risk-based capital ratio | 23.3660% | 1,181 |
| Memoranda: | ||
| Average total assets | $20,020,600 | 6,412 |
| Average earning assets | $18,797,800 | 6,386 |
| Average equity | $1,818,600 | 6,423 |
| Average total loans | $11,188,800 | 6,278 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 3,185 |
| Cost of funding earning assets | 0.2063% | 5,771 |
| Net interest margin | 3.9400% | 2,076 |
| Noninterest income to average assets | 0.2197% | 5,618 |
| Noninterest expense to average assets | 3.4081% | 1,640 |
| Loan and lease loss provision to assets | 0.0599% | 3,163 |
| Net operating income to assets | 0.3927% | 5,268 |
| Return on assets (ROA) | 0.3927% | 5,351 |
| Pretax return on assets | 0.4393% | 5,499 |
| Return on Equity (ROE) | 4.3573% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.3573% | 3,555 |
| Net charge-offs to loans | 0.0242% | 4,030 |
| Credit loss provision to net charge-offs | 450.0000% | 631 |
| Earnings coverage of net charge-offs (x) | 37.4532% | 1,179 |
| Efficiency ratio | 87.2232% | 1,077 |
| Assets per employee ($millions) | 2.6460% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 4,760 |
| Loan loss allowance to noncurrent loans | 59.7156% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 2,958 |
| Noncurrent loans to loans | 1.8385% | 1,744 |
| Net loans and leases to total assets | 53.6234% | 4,621 |
| Net loans and leases to deposits | 58.9387% | 5,019 |
| Net loans and leases to core deposits | 58.9387% | 5,271 |
| Total domestic deposits to total assets | 90.9817% | 368 |
| Equity capital to assets | 8.7727% | 5,571 |
| Core capital (leverage) ratio | 9.2252% | 4,742 |
| Tier 1 risk-based capital ratio | 23.2209% | 1,090 |
| Total risk-based capital ratio | 24.4775% | 1,073 |
| Memoranda: | ||
| Average total assets | $20,030,000 | 6,489 |
| Average earning assets | $18,747,500 | 6,462 |
| Average equity | $1,805,250 | 6,501 |
| Average total loans | $11,050,250 | 6,356 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,909 |
| Cost of funding earning assets | 0.2182% | 5,764 |
| Net interest margin | 3.9934% | 1,823 |
| Noninterest income to average assets | 0.1934% | 5,806 |
| Noninterest expense to average assets | 3.5012% | 1,475 |
| Loan and lease loss provision to assets | 0.0611% | 3,050 |
| Net operating income to assets | 0.3257% | 5,476 |
| Return on assets (ROA) | 0.3257% | 5,555 |
| Pretax return on assets | 0.3562% | 5,666 |
| Return on Equity (ROE) | 3.5794% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.5794% | 3,914 |
| Net charge-offs to loans | -0.0733% | 6,037 |
| Credit loss provision to net charge-offs | -150.0000% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3506% | 963 |
| Assets per employee ($millions) | 2.3950% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 4,673 |
| Loan loss allowance to noncurrent loans | 94.8529% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 3,851 |
| Noncurrent loans to loans | 1.2092% | 2,816 |
| Net loans and leases to total assets | 58.0271% | 3,989 |
| Net loans and leases to deposits | 64.2956% | 4,469 |
| Net loans and leases to core deposits | 64.2956% | 4,794 |
| Total domestic deposits to total assets | 90.2505% | 687 |
| Equity capital to assets | 9.5251% | 4,720 |
| Core capital (leverage) ratio | 8.9293% | 5,116 |
| Tier 1 risk-based capital ratio | 23.1679% | 1,088 |
| Total risk-based capital ratio | 24.4283% | 1,071 |
| Memoranda: | ||
| Average total assets | $19,650,670 | 6,559 |
| Average earning assets | $18,330,330 | 6,532 |
| Average equity | $1,788,000 | 6,564 |
| Average total loans | $10,908,000 | 6,418 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,458 |
| Cost of funding earning assets | 0.1930% | 6,059 |
| Net interest margin | 3.8597% | 2,230 |
| Noninterest income to average assets | 0.1608% | 6,011 |
| Noninterest expense to average assets | 3.4580% | 1,573 |
| Loan and lease loss provision to assets | 0.0603% | 2,898 |
| Net operating income to assets | 0.2211% | 5,741 |
| Return on assets (ROA) | 0.2211% | 5,793 |
| Pretax return on assets | 0.2614% | 5,801 |
| Return on Equity (ROE) | 2.4866% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.4866% | 4,584 |
| Net charge-offs to loans | -0.1490% | 6,285 |
| Credit loss provision to net charge-offs | -75.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4894% | 913 |
| Assets per employee ($millions) | 2.5475% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 4,792 |
| Loan loss allowance to noncurrent loans | 94.7368% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 4,168 |
| Noncurrent loans to loans | 1.2316% | 2,986 |
| Net loans and leases to total assets | 52.3700% | 4,634 |
| Net loans and leases to deposits | 57.4497% | 4,992 |
| Net loans and leases to core deposits | 61.5940% | 4,915 |
| Total domestic deposits to total assets | 91.1580% | 507 |
| Equity capital to assets | 8.7390% | 5,408 |
| Core capital (leverage) ratio | 8.7904% | 5,277 |
| Tier 1 risk-based capital ratio | 23.9245% | 1,008 |
| Total risk-based capital ratio | 25.1866% | 991 |
| Memoranda: | ||
| Average total assets | $19,896,000 | 6,624 |
| Average earning assets | $18,654,500 | 6,597 |
| Average equity | $1,769,500 | 6,634 |
| Average total loans | $10,738,500 | 6,493 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,904 |
| Cost of funding earning assets | 0.2294% | 6,107 |
| Net interest margin | 4.0838% | 1,695 |
| Noninterest income to average assets | 0.5178% | 3,648 |
| Noninterest expense to average assets | 3.4175% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6317% | 4,106 |
| Return on assets (ROA) | 0.6317% | 4,217 |
| Pretax return on assets | 0.8803% | 3,847 |
| Return on Equity (ROE) | 6.8073% | 3,671 |
| Retained earnings to average equity (ytd only) | 4.9102% | 2,663 |
| Net charge-offs to loans | 0.2165% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.3913% | 2,855 |
| Efficiency ratio | 79.5181% | 2,234 |
| Assets per employee ($millions) | 2.7731% | 6,146 |
| Cash dividends to net income (ytd only)* | 27.8689% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,079 |
| Loan loss allowance to noncurrent loans | 85.6115% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 4,097 |
| Noncurrent loans to loans | 1.3017% | 2,960 |
| Net loans and leases to total assets | 54.3942% | 4,536 |
| Net loans and leases to deposits | 59.8854% | 4,948 |
| Net loans and leases to core deposits | 63.4861% | 4,921 |
| Total domestic deposits to total assets | 90.8304% | 648 |
| Equity capital to assets | 9.0563% | 4,965 |
| Core capital (leverage) ratio | 8.5951% | 5,549 |
| Tier 1 risk-based capital ratio | 22.4631% | 1,178 |
| Total risk-based capital ratio | 23.7203% | 1,157 |
| Memoranda: | ||
| Average total assets | $19,312,600 | 6,713 |
| Average earning assets | $17,875,400 | 6,684 |
| Average equity | $1,792,200 | 6,721 |
| Average total loans | $10,622,800 | 6,564 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,856 |
| Cost of funding earning assets | 0.2321% | 6,207 |
| Net interest margin | 4.1025% | 1,626 |
| Noninterest income to average assets | 0.6222% | 3,025 |
| Noninterest expense to average assets | 3.3250% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7673% | 3,525 |
| Return on assets (ROA) | 0.7673% | 3,653 |
| Pretax return on assets | 1.0853% | 3,171 |
| Return on Equity (ROE) | 8.2188% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.2188% | 1,330 |
| Net charge-offs to loans | 0.2011% | 2,629 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.8139% | 2,434 |
| Efficiency ratio | 75.3918% | 2,826 |
| Assets per employee ($millions) | 2.8816% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 5,017 |
| Loan loss allowance to noncurrent loans | 96.1832% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 4,490 |
| Noncurrent loans to loans | 1.2167% | 3,380 |
| Net loans and leases to total assets | 52.7540% | 4,783 |
| Net loans and leases to deposits | 58.0524% | 5,183 |
| Net loans and leases to core deposits | 59.6803% | 5,324 |
| Total domestic deposits to total assets | 90.8730% | 586 |
| Equity capital to assets | 8.8345% | 5,378 |
| Core capital (leverage) ratio | 9.3659% | 4,584 |
| Tier 1 risk-based capital ratio | 22.0045% | 1,319 |
| Total risk-based capital ratio | 23.2573% | 1,302 |
| Memoranda: | ||
| Average total assets | $19,287,750 | 6,788 |
| Average earning assets | $17,810,000 | 6,759 |
| Average equity | $1,800,750 | 6,799 |
| Average total loans | $10,609,000 | 6,636 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 2,417 |
| Cost of funding earning assets | 0.2391% | 6,248 |
| Net interest margin | 4.2011% | 1,270 |
| Noninterest income to average assets | 0.6213% | 3,068 |
| Noninterest expense to average assets | 3.3696% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7898% | 3,350 |
| Return on assets (ROA) | 0.7898% | 3,509 |
| Pretax return on assets | 1.1372% | 2,934 |
| Return on Equity (ROE) | 8.3011% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.3011% | 1,363 |
| Net charge-offs to loans | 0.2084% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.8182% | 2,232 |
| Efficiency ratio | 74.7664% | 2,982 |
| Assets per employee ($millions) | 2.6520% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 4,930 |
| Loan loss allowance to noncurrent loans | 95.6204% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 4,368 |
| Noncurrent loans to loans | 1.2658% | 3,440 |
| Net loans and leases to total assets | 57.5953% | 4,050 |
| Net loans and leases to deposits | 64.1007% | 4,487 |
| Net loans and leases to core deposits | 64.1007% | 4,882 |
| Total domestic deposits to total assets | 89.8513% | 1,122 |
| Equity capital to assets | 9.7070% | 4,301 |
| Core capital (leverage) ratio | 9.1243% | 4,795 |
| Tier 1 risk-based capital ratio | 22.6982% | 1,184 |
| Total risk-based capital ratio | 23.9519% | 1,158 |
| Memoranda: | ||
| Average total assets | $18,993,330 | 6,840 |
| Average earning assets | $17,566,670 | 6,812 |
| Average equity | $1,807,000 | 6,845 |
| Average total loans | $10,556,330 | 6,681 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 2,445 |
| Cost of funding earning assets | 0.2245% | 6,447 |
| Net interest margin | 4.1985% | 1,185 |
| Noninterest income to average assets | 0.2291% | 5,825 |
| Noninterest expense to average assets | 3.4152% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4998% | 4,663 |
| Return on assets (ROA) | 0.4998% | 4,816 |
| Pretax return on assets | 0.7080% | 4,546 |
| Return on Equity (ROE) | 5.3053% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.3053% | 3,051 |
| Net charge-offs to loans | 0.4989% | 1,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6154% | 2,989 |
| Efficiency ratio | 82.8283% | 1,914 |
| Assets per employee ($millions) | 2.8016% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,060 |
| Loan loss allowance to noncurrent loans | 72.0670% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 4,112 |
| Noncurrent loans to loans | 1.7030% | 2,991 |
| Net loans and leases to total assets | 52.9397% | 4,568 |
| Net loans and leases to deposits | 58.7018% | 4,947 |
| Net loans and leases to core deposits | 60.4096% | 5,101 |
| Total domestic deposits to total assets | 90.1841% | 941 |
| Equity capital to assets | 9.2499% | 5,200 |
| Core capital (leverage) ratio | 8.7878% | 5,207 |
| Tier 1 risk-based capital ratio | 22.3355% | 1,272 |
| Total risk-based capital ratio | 23.5933% | 1,248 |
| Memoranda: | ||
| Average total assets | $19,208,000 | 6,909 |
| Average earning assets | $17,816,000 | 6,885 |
| Average equity | $1,809,500 | 6,914 |
| Average total loans | $10,423,000 | 6,752 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 3,187 |
| Cost of funding earning assets | 0.2945% | 6,483 |
| Net interest margin | 4.2615% | 1,489 |
| Noninterest income to average assets | 0.2969% | 5,343 |
| Noninterest expense to average assets | 3.4896% | 1,835 |
| Loan and lease loss provision to assets | 0.0052% | 5,861 |
| Net operating income to assets | 0.5781% | 4,343 |
| Return on assets (ROA) | 0.5781% | 4,604 |
| Pretax return on assets | 0.7969% | 4,306 |
| Return on Equity (ROE) | 6.2726% | 4,027 |
| Retained earnings to average equity (ytd only) | 4.4643% | 3,094 |
| Net charge-offs to loans | 0.0099% | 5,798 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 272 |
| Efficiency ratio | 81.3107% | 1,970 |
| Assets per employee ($millions) | 2.6864% | 6,435 |
| Cash dividends to net income (ytd only)* | 28.8288% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 4,286 |
| Loan loss allowance to noncurrent loans | 111.8110% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 4,792 |
| Noncurrent loans to loans | 1.2288% | 3,793 |
| Net loans and leases to total assets | 54.2037% | 4,594 |
| Net loans and leases to deposits | 60.3743% | 4,988 |
| Net loans and leases to core deposits | 64.1755% | 4,934 |
| Total domestic deposits to total assets | 89.7793% | 1,080 |
| Equity capital to assets | 9.5985% | 4,755 |
| Core capital (leverage) ratio | 8.3770% | 5,786 |
| Tier 1 risk-based capital ratio | 22.0850% | 1,251 |
| Total risk-based capital ratio | 23.3466% | 1,216 |
| Memoranda: | ||
| Average total assets | $19,199,800 | 6,969 |
| Average earning assets | $17,998,200 | 6,936 |
| Average equity | $1,769,600 | 6,988 |
| Average total loans | $10,088,800 | 6,843 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 3,421 |
| Cost of funding earning assets | 0.3479% | 6,385 |
| Net interest margin | 4.2037% | 1,727 |
| Noninterest income to average assets | 0.2902% | 5,457 |
| Noninterest expense to average assets | 3.4061% | 1,987 |
| Loan and lease loss provision to assets | 0.0069% | 5,722 |
| Net operating income to assets | 0.5941% | 4,417 |
| Return on assets (ROA) | 0.5941% | 4,681 |
| Pretax return on assets | 0.8014% | 4,479 |
| Return on Equity (ROE) | 6.5120% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.5120% | 2,372 |
| Net charge-offs to loans | 0.0133% | 5,517 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 117.2932% | 367 |
| Efficiency ratio | 80.8197% | 1,970 |
| Assets per employee ($millions) | 2.8057% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,280 |
| Loan loss allowance to noncurrent loans | 90.4459% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 4,706 |
| Noncurrent loans to loans | 1.5722% | 3,432 |
| Net loans and leases to total assets | 50.1222% | 5,301 |
| Net loans and leases to deposits | 55.6378% | 5,666 |
| Net loans and leases to core deposits | 58.9708% | 5,664 |
| Total domestic deposits to total assets | 90.0866% | 803 |
| Equity capital to assets | 9.3075% | 5,454 |
| Core capital (leverage) ratio | 8.8155% | 5,322 |
| Tier 1 risk-based capital ratio | 21.8044% | 1,365 |
| Total risk-based capital ratio | 23.0578% | 1,340 |
| Memoranda: | ||
| Average total assets | $19,298,500 | 7,063 |
| Average earning assets | $18,015,250 | 7,029 |
| Average equity | $1,760,750 | 7,082 |
| Average total loans | $10,027,250 | 6,935 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 3,303 |
| Cost of funding earning assets | 0.3807% | 6,374 |
| Net interest margin | 4.2324% | 1,665 |
| Noninterest income to average assets | 0.2398% | 5,850 |
| Noninterest expense to average assets | 3.4298% | 1,958 |
| Loan and lease loss provision to assets | 0.0104% | 5,531 |
| Net operating income to assets | 0.5525% | 4,570 |
| Return on assets (ROA) | 0.5525% | 4,852 |
| Pretax return on assets | 0.7402% | 4,705 |
| Return on Equity (ROE) | 6.0978% | 4,274 |
| Retained earnings to average equity (ytd only) | 6.0978% | 2,656 |
| Net charge-offs to loans | 0.0398% | 4,820 |
| Credit loss provision to net charge-offs | 50.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 955 |
| Efficiency ratio | 82.0449% | 1,873 |
| Assets per employee ($millions) | 2.7299% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,427 |
| Loan loss allowance to noncurrent loans | 102.1739% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 4,989 |
| Noncurrent loans to loans | 1.3789% | 3,854 |
| Net loans and leases to total assets | 51.6354% | 5,143 |
| Net loans and leases to deposits | 57.3063% | 5,523 |
| Net loans and leases to core deposits | 57.3063% | 5,830 |
| Total domestic deposits to total assets | 90.1041% | 868 |
| Equity capital to assets | 9.3516% | 5,258 |
| Core capital (leverage) ratio | 8.3987% | 5,791 |
| Tier 1 risk-based capital ratio | 21.8763% | 1,321 |
| Total risk-based capital ratio | 23.1324% | 1,297 |
| Memoranda: | ||
| Average total assets | $19,184,670 | 7,120 |
| Average earning assets | $17,862,330 | 7,092 |
| Average equity | $1,738,330 | 7,139 |
| Average total loans | $10,041,000 | 6,995 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 3,580 |
| Cost of funding earning assets | 0.4025% | 6,398 |
| Net interest margin | 4.1817% | 1,808 |
| Noninterest income to average assets | 0.1873% | 6,258 |
| Noninterest expense to average assets | 3.4959% | 1,771 |
| Loan and lease loss provision to assets | 0.0208% | 5,078 |
| Net operating income to assets | 0.4162% | 5,190 |
| Return on assets (ROA) | 0.4162% | 5,380 |
| Pretax return on assets | 0.5618% | 5,232 |
| Return on Equity (ROE) | 4.6674% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.6674% | 3,767 |
| Net charge-offs to loans | 0.0795% | 3,702 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,497 |
| Efficiency ratio | 85.7143% | 1,506 |
| Assets per employee ($millions) | 2.8131% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 4,564 |
| Loan loss allowance to noncurrent loans | 151.6129% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 5,678 |
| Noncurrent loans to loans | 0.9302% | 4,807 |
| Net loans and leases to total assets | 50.0559% | 5,297 |
| Net loans and leases to deposits | 55.1163% | 5,692 |
| Net loans and leases to core deposits | 59.3473% | 5,590 |
| Total domestic deposits to total assets | 90.8186% | 633 |
| Equity capital to assets | 8.7244% | 5,846 |
| Core capital (leverage) ratio | 8.1924% | 6,033 |
| Tier 1 risk-based capital ratio | 21.4276% | 1,395 |
| Total risk-based capital ratio | 22.6841% | 1,367 |
| Memoranda: | ||
| Average total assets | $19,222,500 | 7,180 |
| Average earning assets | $17,887,500 | 7,151 |
| Average equity | $1,714,000 | 7,198 |
| Average total loans | $10,057,500 | 7,059 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 4,543 |
| Cost of funding earning assets | 0.4839% | 6,601 |
| Net interest margin | 4.1471% | 2,243 |
| Noninterest income to average assets | 0.3233% | 5,229 |
| Noninterest expense to average assets | 3.3430% | 2,380 |
| Loan and lease loss provision to assets | 0.0417% | 6,055 |
| Net operating income to assets | 0.5789% | 4,102 |
| Return on assets (ROA) | 0.5789% | 4,287 |
| Pretax return on assets | 0.7823% | 4,043 |
| Return on Equity (ROE) | 6.6972% | 3,541 |
| Retained earnings to average equity (ytd only) | 4.7665% | 2,814 |
| Net charge-offs to loans | 0.2947% | 3,935 |
| Credit loss provision to net charge-offs | 28.5714% | 5,805 |
| Earnings coverage of net charge-offs (x) | 5.6429% | 2,720 |
| Efficiency ratio | 80.2253% | 2,274 |
| Assets per employee ($millions) | 2.6790% | 6,636 |
| Cash dividends to net income (ytd only)* | 28.8288% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,438 |
| Loan loss allowance to noncurrent loans | 232.7869% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 6,165 |
| Noncurrent loans to loans | 0.6029% | 5,511 |
| Net loans and leases to total assets | 53.1915% | 5,139 |
| Net loans and leases to deposits | 58.9191% | 5,604 |
| Net loans and leases to core deposits | 63.2731% | 5,538 |
| Total domestic deposits to total assets | 90.2789% | 834 |
| Equity capital to assets | 9.1185% | 5,393 |
| Core capital (leverage) ratio | 8.1323% | 6,098 |
| Tier 1 risk-based capital ratio | 21.0135% | 1,406 |
| Total risk-based capital ratio | 22.2738% | 1,384 |
| Memoranda: | ||
| Average total assets | $19,174,400 | 7,219 |
| Average earning assets | $17,771,400 | 7,187 |
| Average equity | $1,657,400 | 7,263 |
| Average total loans | $9,502,200 | 7,129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 4,722 |
| Cost of funding earning assets | 0.5233% | 6,608 |
| Net interest margin | 4.1117% | 2,427 |
| Noninterest income to average assets | 0.3112% | 5,378 |
| Noninterest expense to average assets | 3.2849% | 2,543 |
| Loan and lease loss provision to assets | 0.0553% | 5,752 |
| Net operating income to assets | 0.5809% | 4,171 |
| Return on assets (ROA) | 0.5809% | 4,351 |
| Pretax return on assets | 0.7745% | 4,219 |
| Return on Equity (ROE) | 6.8116% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.8116% | 2,074 |
| Net charge-offs to loans | 0.3993% | 3,118 |
| Credit loss provision to net charge-offs | 28.5714% | 5,431 |
| Earnings coverage of net charge-offs (x) | 4.2861% | 3,122 |
| Efficiency ratio | 79.8319% | 2,277 |
| Assets per employee ($millions) | 2.8029% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 4,237 |
| Loan loss allowance to noncurrent loans | 149.4737% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 5,875 |
| Noncurrent loans to loans | 0.9855% | 4,920 |
| Net loans and leases to total assets | 48.4098% | 5,905 |
| Net loans and leases to deposits | 53.4496% | 6,256 |
| Net loans and leases to core deposits | 56.6369% | 6,261 |
| Total domestic deposits to total assets | 90.5708% | 599 |
| Equity capital to assets | 8.9042% | 5,854 |
| Core capital (leverage) ratio | 8.3852% | 5,873 |
| Tier 1 risk-based capital ratio | 22.4055% | 1,226 |
| Total risk-based capital ratio | 23.6605% | 1,201 |
| Memoranda: | ||
| Average total assets | $19,279,750 | 7,292 |
| Average earning assets | $17,835,000 | 7,261 |
| Average equity | $1,644,250 | 7,341 |
| Average total loans | $9,348,500 | 7,204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 4,770 |
| Cost of funding earning assets | 0.5540% | 6,647 |
| Net interest margin | 4.0926% | 2,440 |
| Noninterest income to average assets | 0.2609% | 5,779 |
| Noninterest expense to average assets | 3.3392% | 2,432 |
| Loan and lease loss provision to assets | 0.0626% | 5,518 |
| Net operating income to assets | 0.4800% | 4,594 |
| Return on assets (ROA) | 0.4800% | 4,737 |
| Pretax return on assets | 0.6365% | 4,626 |
| Return on Equity (ROE) | 5.7143% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.7143% | 2,585 |
| Net charge-offs to loans | 0.4324% | 2,844 |
| Credit loss provision to net charge-offs | 30.0000% | 4,988 |
| Earnings coverage of net charge-offs (x) | 3.3500% | 3,202 |
| Efficiency ratio | 82.6873% | 1,991 |
| Assets per employee ($millions) | 2.7650% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 3,712 |
| Loan loss allowance to noncurrent loans | 284.6154% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 6,457 |
| Noncurrent loans to loans | 0.5600% | 5,798 |
| Net loans and leases to total assets | 47.2126% | 6,128 |
| Net loans and leases to deposits | 51.9264% | 6,478 |
| Net loans and leases to core deposits | 51.9264% | 6,670 |
| Total domestic deposits to total assets | 90.9222% | 525 |
| Equity capital to assets | 8.6386% | 6,014 |
| Core capital (leverage) ratio | 8.0250% | 6,270 |
| Tier 1 risk-based capital ratio | 21.4790% | 1,330 |
| Total risk-based capital ratio | 22.7392% | 1,308 |
| Memoranda: | ||
| Average total assets | $19,166,330 | 7,367 |
| Average earning assets | $17,690,330 | 7,336 |
| Average equity | $1,610,000 | 7,415 |
| Average total loans | $9,251,330 | 7,280 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 4,747 |
| Cost of funding earning assets | 0.5641% | 6,746 |
| Net interest margin | 4.0844% | 2,327 |
| Noninterest income to average assets | 0.2517% | 5,888 |
| Noninterest expense to average assets | 3.4606% | 2,116 |
| Loan and lease loss provision to assets | 0.0629% | 5,202 |
| Net operating income to assets | 0.3985% | 4,954 |
| Return on assets (ROA) | 0.3985% | 5,047 |
| Pretax return on assets | 0.5243% | 4,946 |
| Return on Equity (ROE) | 4.8132% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.8132% | 3,296 |
| Net charge-offs to loans | 0.0866% | 4,089 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,393 |
| Efficiency ratio | 85.4922% | 1,772 |
| Assets per employee ($millions) | 2.4735% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 3,209 |
| Loan loss allowance to noncurrent loans | 85.7895% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 4,981 |
| Noncurrent loans to loans | 2.0290% | 3,536 |
| Net loans and leases to total assets | 46.4979% | 6,239 |
| Net loans and leases to deposits | 50.6663% | 6,574 |
| Net loans and leases to core deposits | 56.1550% | 6,402 |
| Total domestic deposits to total assets | 91.7728% | 346 |
| Equity capital to assets | 7.9290% | 6,566 |
| Core capital (leverage) ratio | 7.8670% | 6,398 |
| Tier 1 risk-based capital ratio | 21.0526% | 1,382 |
| Total risk-based capital ratio | 22.3097% | 1,356 |
| Memoranda: | ||
| Average total assets | $19,072,000 | 7,423 |
| Average earning assets | $17,726,000 | 7,390 |
| Average equity | $1,579,000 | 7,474 |
| Average total loans | $9,234,000 | 7,337 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 5,562 |
| Cost of funding earning assets | 0.6389% | 7,036 |
| Net interest margin | 4.1253% | 2,463 |
| Noninterest income to average assets | 0.4318% | 4,669 |
| Noninterest expense to average assets | 3.6223% | 1,871 |
| Loan and lease loss provision to assets | 0.0673% | 6,475 |
| Net operating income to assets | 0.4205% | 4,463 |
| Return on assets (ROA) | 0.4205% | 4,587 |
| Pretax return on assets | 0.5439% | 4,491 |
| Return on Equity (ROE) | 4.7384% | 4,180 |
| Retained earnings to average equity (ytd only) | 2.8431% | 3,858 |
| Net charge-offs to loans | 0.1710% | 5,300 |
| Credit loss provision to net charge-offs | 80.0000% | 5,563 |
| Earnings coverage of net charge-offs (x) | 7.2667% | 2,166 |
| Efficiency ratio | 85.5629% | 1,739 |
| Assets per employee ($millions) | 2.2945% | 7,225 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 2,927 |
| Loan loss allowance to noncurrent loans | 61.5970% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 4,188 |
| Noncurrent loans to loans | 2.8888% | 2,631 |
| Net loans and leases to total assets | 48.7143% | 6,305 |
| Net loans and leases to deposits | 53.5289% | 6,641 |
| Net loans and leases to core deposits | 56.9373% | 6,636 |
| Total domestic deposits to total assets | 91.0057% | 595 |
| Equity capital to assets | 8.6566% | 5,647 |
| Core capital (leverage) ratio | 7.8957% | 6,324 |
| Tier 1 risk-based capital ratio | 21.0873% | 1,306 |
| Total risk-based capital ratio | 22.3483% | 1,281 |
| Memoranda: | ||
| Average total assets | $17,834,000 | 7,512 |
| Average earning assets | $16,435,200 | 7,490 |
| Average equity | $1,582,800 | 7,568 |
| Average total loans | $8,770,800 | 7,434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 5,759 |
| Cost of funding earning assets | 0.6493% | 7,181 |
| Net interest margin | 4.1259% | 2,510 |
| Noninterest income to average assets | 0.4519% | 4,546 |
| Noninterest expense to average assets | 3.6452% | 1,683 |
| Loan and lease loss provision to assets | 0.0753% | 6,298 |
| Net operating income to assets | 0.3991% | 4,754 |
| Return on assets (ROA) | 0.3991% | 4,931 |
| Pretax return on assets | 0.5121% | 4,886 |
| Return on Equity (ROE) | 4.4686% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.4686% | 3,365 |
| Net charge-offs to loans | 0.1689% | 4,956 |
| Credit loss provision to net charge-offs | 90.9091% | 4,729 |
| Earnings coverage of net charge-offs (x) | 7.0893% | 2,386 |
| Efficiency ratio | 86.1210% | 1,621 |
| Assets per employee ($millions) | 2.4956% | 7,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,635 |
| Loan loss allowance to noncurrent loans | 138.9831% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 5,959 |
| Noncurrent loans to loans | 1.3297% | 4,641 |
| Net loans and leases to total assets | 43.6263% | 6,868 |
| Net loans and leases to deposits | 47.7915% | 7,095 |
| Net loans and leases to core deposits | 49.1396% | 7,154 |
| Total domestic deposits to total assets | 91.2847% | 359 |
| Equity capital to assets | 8.2845% | 6,525 |
| Core capital (leverage) ratio | 8.6735% | 5,233 |
| Tier 1 risk-based capital ratio | 21.8484% | 1,230 |
| Total risk-based capital ratio | 23.1191% | 1,198 |
| Memoranda: | ||
| Average total assets | $17,703,500 | 7,614 |
| Average earning assets | $16,222,500 | 7,586 |
| Average equity | $1,581,250 | 7,670 |
| Average total loans | $8,687,500 | 7,536 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 4,869 |
| Cost of funding earning assets | 0.7093% | 7,174 |
| Net interest margin | 4.3073% | 1,743 |
| Noninterest income to average assets | 0.4956% | 4,154 |
| Noninterest expense to average assets | 3.8585% | 1,252 |
| Loan and lease loss provision to assets | 0.0826% | 6,104 |
| Net operating income to assets | 0.3776% | 4,861 |
| Return on assets (ROA) | 0.3776% | 5,025 |
| Pretax return on assets | 0.4956% | 4,914 |
| Return on Equity (ROE) | 4.1105% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.1105% | 3,459 |
| Net charge-offs to loans | -0.0696% | 7,502 |
| Credit loss provision to net charge-offs | -233.3333% | 6,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9681% | 1,606 |
| Assets per employee ($millions) | 2.0763% | 7,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 2,098 |
| Loan loss allowance to noncurrent loans | 97.7654% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.0777% | 4,976 |
| Noncurrent loans to loans | 2.0850% | 3,609 |
| Net loans and leases to total assets | 50.6321% | 6,362 |
| Net loans and leases to deposits | 56.2730% | 6,704 |
| Net loans and leases to core deposits | 56.2730% | 6,926 |
| Total domestic deposits to total assets | 89.9759% | 928 |
| Equity capital to assets | 9.6508% | 4,466 |
| Core capital (leverage) ratio | 8.7564% | 4,997 |
| Tier 1 risk-based capital ratio | 22.0189% | 1,197 |
| Total risk-based capital ratio | 23.2881% | 1,171 |
| Memoranda: | ||
| Average total assets | $16,949,670 | 7,696 |
| Average earning assets | $15,508,670 | 7,669 |
| Average equity | $1,557,000 | 7,743 |
| Average total loans | $8,625,330 | 7,600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 4,904 |
| Cost of funding earning assets | 0.7180% | 7,295 |
| Net interest margin | 4.3080% | 1,666 |
| Noninterest income to average assets | 0.6075% | 3,230 |
| Noninterest expense to average assets | 4.0188% | 1,005 |
| Loan and lease loss provision to assets | 0.0935% | 5,697 |
| Net operating income to assets | 0.3271% | 5,179 |
| Return on assets (ROA) | 0.3271% | 5,310 |
| Pretax return on assets | 0.4206% | 5,224 |
| Return on Equity (ROE) | 3.6506% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.6506% | 3,960 |
| Net charge-offs to loans | -0.0925% | 7,506 |
| Credit loss provision to net charge-offs | -200.0000% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6598% | 1,530 |
| Assets per employee ($millions) | 2.2074% | 7,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 2,234 |
| Loan loss allowance to noncurrent loans | 80.2817% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 4,762 |
| Noncurrent loans to loans | 2.4693% | 3,197 |
| Net loans and leases to total assets | 47.8793% | 6,690 |
| Net loans and leases to deposits | 52.6890% | 7,002 |
| Net loans and leases to core deposits | 55.1821% | 7,038 |
| Total domestic deposits to total assets | 90.8715% | 598 |
| Equity capital to assets | 8.7547% | 5,640 |
| Core capital (leverage) ratio | 8.5568% | 5,286 |
| Tier 1 risk-based capital ratio | 21.3685% | 1,292 |
| Total risk-based capital ratio | 22.6297% | 1,261 |
| Memoranda: | ||
| Average total assets | $17,119,500 | 7,791 |
| Average earning assets | $15,599,000 | 7,765 |
| Average equity | $1,534,000 | 7,831 |
| Average total loans | $8,645,500 | 7,697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4996% | 4,145 |
| Cost of funding earning assets | 0.9920% | 7,222 |
| Net interest margin | 4.5077% | 1,163 |
| Noninterest income to average assets | 0.4186% | 5,058 |
| Noninterest expense to average assets | 3.6440% | 2,047 |
| Loan and lease loss provision to assets | 0.0649% | 6,924 |
| Net operating income to assets | 0.4894% | 3,774 |
| Return on assets (ROA) | 0.4894% | 3,874 |
| Pretax return on assets | 0.6486% | 3,745 |
| Return on Equity (ROE) | 5.5319% | 3,408 |
| Retained earnings to average equity (ytd only) | 3.3991% | 2,789 |
| Net charge-offs to loans | 0.3116% | 4,683 |
| Credit loss provision to net charge-offs | 40.7407% | 6,824 |
| Earnings coverage of net charge-offs (x) | 4.4815% | 2,935 |
| Efficiency ratio | 83.6265% | 2,397 |
| Assets per employee ($millions) | 2.0725% | 7,686 |
| Cash dividends to net income (ytd only)* | 38.5542% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 2,255 |
| Loan loss allowance to noncurrent loans | 99.3976% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 5,109 |
| Noncurrent loans to loans | 1.9158% | 3,782 |
| Net loans and leases to total assets | 51.2666% | 6,503 |
| Net loans and leases to deposits | 56.6931% | 6,877 |
| Net loans and leases to core deposits | 60.6580% | 7,240 |
| Total domestic deposits to total assets | 90.4282% | 769 |
| Equity capital to assets | 9.1797% | 4,872 |
| Core capital (leverage) ratio | 8.3663% | 5,509 |
| Tier 1 risk-based capital ratio | 20.7004% | 1,345 |
| Total risk-based capital ratio | 21.9623% | 1,312 |
| Memoranda: | ||
| Average total assets | $16,959,600 | 7,853 |
| Average earning assets | $14,819,200 | 7,849 |
| Average equity | $1,500,400 | 7,928 |
| Average total loans | $8,664,800 | 7,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 3,692 |
| Cost of funding earning assets | 1.0079% | 7,373 |
| Net interest margin | 4.6219% | 954 |
| Noninterest income to average assets | 0.3909% | 5,373 |
| Noninterest expense to average assets | 3.5728% | 2,084 |
| Loan and lease loss provision to assets | 0.0547% | 6,824 |
| Net operating income to assets | 0.5550% | 3,768 |
| Return on assets (ROA) | 0.5550% | 3,857 |
| Pretax return on assets | 0.7427% | 3,720 |
| Return on Equity (ROE) | 6.3318% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.3318% | 1,801 |
| Net charge-offs to loans | 0.2000% | 4,809 |
| Credit loss provision to net charge-offs | 53.8462% | 6,256 |
| Earnings coverage of net charge-offs (x) | 7.8477% | 2,338 |
| Efficiency ratio | 81.7531% | 2,614 |
| Assets per employee ($millions) | 2.0879% | 7,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 1,879 |
| Loan loss allowance to noncurrent loans | 64.5756% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.4422% | 4,223 |
| Noncurrent loans to loans | 3.0426% | 2,492 |
| Net loans and leases to total assets | 46.4691% | 7,069 |
| Net loans and leases to deposits | 50.9125% | 7,366 |
| Net loans and leases to core deposits | 55.1123% | 7,571 |
| Total domestic deposits to total assets | 91.2724% | 313 |
| Equity capital to assets | 8.2912% | 6,514 |
| Core capital (leverage) ratio | 8.8378% | 4,911 |
| Tier 1 risk-based capital ratio | 21.2469% | 1,337 |
| Total risk-based capital ratio | 22.5111% | 1,311 |
| Memoranda: | ||
| Average total assets | $17,054,500 | 7,933 |
| Average earning assets | $14,683,500 | 7,933 |
| Average equity | $1,495,000 | 8,012 |
| Average total loans | $8,664,750 | 7,833 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9961% | 2,193 |
| Cost of funding earning assets | 1.0915% | 7,392 |
| Net interest margin | 4.9046% | 532 |
| Noninterest income to average assets | 0.4491% | 4,853 |
| Noninterest expense to average assets | 3.7146% | 1,808 |
| Loan and lease loss provision to assets | 0.0486% | 6,748 |
| Net operating income to assets | 0.5827% | 3,760 |
| Return on assets (ROA) | 0.5827% | 3,865 |
| Pretax return on assets | 0.7769% | 3,756 |
| Return on Equity (ROE) | 6.5129% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.5129% | 1,789 |
| Net charge-offs to loans | 0.3029% | 3,669 |
| Credit loss provision to net charge-offs | 30.7692% | 6,022 |
| Earnings coverage of net charge-offs (x) | 5.2308% | 2,879 |
| Efficiency ratio | 81.8182% | 2,743 |
| Assets per employee ($millions) | 1.7866% | 7,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 1,589 |
| Loan loss allowance to noncurrent loans | 148.2759% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 5,605 |
| Noncurrent loans to loans | 1.3417% | 4,534 |
| Net loans and leases to total assets | 52.7023% | 6,600 |
| Net loans and leases to deposits | 58.3609% | 6,996 |
| Net loans and leases to core deposits | 60.0354% | 7,451 |
| Total domestic deposits to total assets | 90.3041% | 707 |
| Equity capital to assets | 9.3911% | 4,761 |
| Core capital (leverage) ratio | 8.7544% | 4,999 |
| Tier 1 risk-based capital ratio | 21.0003% | 1,395 |
| Total risk-based capital ratio | 22.2687% | 1,362 |
| Memoranda: | ||
| Average total assets | $16,475,670 | 8,030 |
| Average earning assets | $13,742,330 | 8,044 |
| Average equity | $1,474,000 | 8,100 |
| Average total loans | $8,584,000 | 7,925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1961% | 1,616 |
| Cost of funding earning assets | 1.1212% | 7,477 |
| Net interest margin | 5.0749% | 342 |
| Noninterest income to average assets | 0.4558% | 4,716 |
| Noninterest expense to average assets | 3.6944% | 1,669 |
| Loan and lease loss provision to assets | 0.0480% | 6,371 |
| Net operating income to assets | 0.6237% | 3,922 |
| Return on assets (ROA) | 0.6237% | 4,102 |
| Pretax return on assets | 0.8396% | 3,932 |
| Return on Equity (ROE) | 7.1429% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.1429% | 2,163 |
| Net charge-offs to loans | 0.1871% | 3,514 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,081 |
| Efficiency ratio | 80.6283% | 2,718 |
| Assets per employee ($millions) | 2.1573% | 7,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 1,199 |
| Loan loss allowance to noncurrent loans | 124.3056% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 5,105 |
| Noncurrent loans to loans | 1.7023% | 3,703 |
| Net loans and leases to total assets | 47.9777% | 7,024 |
| Net loans and leases to deposits | 52.5214% | 7,365 |
| Net loans and leases to core deposits | 72.5171% | 6,886 |
| Total domestic deposits to total assets | 91.3489% | 313 |
| Equity capital to assets | 8.5699% | 5,958 |
| Core capital (leverage) ratio | 8.6235% | 5,296 |
| Tier 1 risk-based capital ratio | 21.0851% | 1,437 |
| Total risk-based capital ratio | 22.3497% | 1,404 |
| Memoranda: | ||
| Average total assets | $16,674,000 | 8,074 |
| Average earning assets | $13,557,000 | 8,102 |
| Average equity | $1,456,000 | 8,159 |
| Average total loans | $8,553,000 | 7,974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 5,592 |
| Cost of funding earning assets | 1.4690% | 7,656 |
| Net interest margin | 4.5210% | 1,374 |
| Noninterest income to average assets | 0.5207% | 4,464 |
| Noninterest expense to average assets | 3.7303% | 1,892 |
| Loan and lease loss provision to assets | 0.0395% | 6,921 |
| Net operating income to assets | 0.4943% | 4,763 |
| Return on assets (ROA) | 0.4943% | 4,600 |
| Pretax return on assets | 0.6656% | 4,500 |
| Return on Equity (ROE) | 5.4419% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.7005% | 2,840 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1010% | 2,045 |
| Assets per employee ($millions) | 2.0113% | 7,905 |
| Cash dividends to net income (ytd only)* | 32.0000% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 1,080 |
| Loan loss allowance to noncurrent loans | 724.0000% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 6,380 |
| Noncurrent loans to loans | 0.2891% | 6,512 |
| Net loans and leases to total assets | 52.6165% | 6,785 |
| Net loans and leases to deposits | 57.9625% | 7,209 |
| Net loans and leases to core deposits | 68.1313% | 7,280 |
| Total domestic deposits to total assets | 90.7769% | 395 |
| Equity capital to assets | 8.9062% | 5,491 |
| Core capital (leverage) ratio | 8.5399% | 5,501 |
| Tier 1 risk-based capital ratio | 20.2472% | 1,578 |
| Total risk-based capital ratio | 21.5117% | 1,544 |
| Memoranda: | ||
| Average total assets | $15,173,200 | 8,158 |
| Average earning assets | $13,138,600 | 8,165 |
| Average equity | $1,378,200 | 8,233 |
| Average total loans | $8,634,200 | 8,007 |