Home > The Corder Bank > Performance and Condition Ratios
The Corder Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7889% | 4,206 |
| Cost of funding earning assets | 0.2994% | 2,174 |
| Net interest margin | 2.4895% | 4,218 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.5679% | 459 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | -0.8296% | 4,701 |
| Return on assets (ROA) | -0.8296% | 4,691 |
| Pretax return on assets | -0.8838% | 4,689 |
| Return on Equity (ROE) | -11.0400% | 4,704 |
| Retained earnings to average equity (ytd only) | -11.0447% | 4,686 |
| Net charge-offs to loans | 0.9280% | 56 |
| Credit loss provision to net charge-offs | 2.8986% | 1,677 |
| Earnings coverage of net charge-offs (x) | -2.3333% | 4,723 |
| Efficiency ratio | 132.3944% | 55 |
| Assets per employee ($millions) | 5.0532% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2376% | 328 |
| Loan loss allowance to noncurrent loans | 72.0848% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.1201% | 387 |
| Noncurrent loans to loans | 3.1041% | 147 |
| Net loans and leases to total assets | 35.2800% | 4,259 |
| Net loans and leases to deposits | 37.2539% | 4,333 |
| Net loans and leases to core deposits | 38.2368% | 4,336 |
| Total domestic deposits to total assets | 94.6900% | 261 |
| Equity capital to assets | 5.1215% | 4,261 |
| Core capital (leverage) ratio | 8.2627% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $24,589,250 | 4,683 |
| Average earning assets | $22,708,250 | 4,655 |
| Average equity | $1,847,000 | 4,724 |
| Average total loans | $9,913,250 | 4,595 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6995% | 4,142 |
| Cost of funding earning assets | 0.2398% | 2,399 |
| Net interest margin | 2.4597% | 4,149 |
| Noninterest income to average assets | 0.3284% | 3,199 |
| Noninterest expense to average assets | 1.9784% | 3,491 |
| Loan and lease loss provision to assets | 0.0164% | 2,308 |
| Net operating income to assets | 0.6896% | 3,341 |
| Return on assets (ROA) | 0.6896% | 3,296 |
| Pretax return on assets | 0.6075% | 3,801 |
| Return on Equity (ROE) | 8.2704% | 2,942 |
| Retained earnings to average equity (ytd only) | 6.7936% | 2,055 |
| Net charge-offs to loans | -0.0589% | 4,300 |
| Credit loss provision to net charge-offs | -66.6667% | 3,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0252% | 1,280 |
| Assets per employee ($millions) | 5.0580% | 3,628 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7764% | 181 |
| Loan loss allowance to noncurrent loans | 77.0308% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 260 |
| Noncurrent loans to loans | 3.6042% | 112 |
| Net loans and leases to total assets | 38.0783% | 4,164 |
| Net loans and leases to deposits | 41.3500% | 4,213 |
| Net loans and leases to core deposits | 42.4716% | 4,248 |
| Total domestic deposits to total assets | 92.0878% | 803 |
| Equity capital to assets | 7.7224% | 3,331 |
| Core capital (leverage) ratio | 9.6159% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9777% | 721 |
| Memoranda: | ||
| Average total assets | $24,363,667 | 4,721 |
| Average earning assets | $22,522,667 | 4,706 |
| Average equity | $2,031,333 | 4,743 |
| Average total loans | $10,178,667 | 4,657 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7232% | 3,895 |
| Cost of funding earning assets | 0.2559% | 2,090 |
| Net interest margin | 2.4673% | 3,960 |
| Noninterest income to average assets | 0.1339% | 4,343 |
| Noninterest expense to average assets | 2.1422% | 3,004 |
| Loan and lease loss provision to assets | 0.0335% | 1,763 |
| Net operating income to assets | 0.2176% | 4,301 |
| Return on assets (ROA) | 0.2176% | 4,270 |
| Pretax return on assets | 0.2176% | 4,304 |
| Return on Equity (ROE) | 2.5115% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.5115% | 3,406 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5105% | 572 |
| Assets per employee ($millions) | 4.9588% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7089% | 224 |
| Loan loss allowance to noncurrent loans | 69.7436% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 226 |
| Noncurrent loans to loans | 3.8841% | 105 |
| Net loans and leases to total assets | 39.4007% | 4,049 |
| Net loans and leases to deposits | 42.8033% | 4,124 |
| Net loans and leases to core deposits | 43.9887% | 4,163 |
| Total domestic deposits to total assets | 92.0505% | 558 |
| Equity capital to assets | 7.8325% | 3,702 |
| Core capital (leverage) ratio | 9.2388% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1467% | 324 |
| Memoranda: | ||
| Average total assets | $23,900,500 | 4,746 |
| Average earning assets | $21,886,000 | 4,730 |
| Average equity | $2,070,500 | 4,769 |
| Average total loans | $10,315,500 | 4,675 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3213% | 3,141 |
| Cost of funding earning assets | 0.3836% | 1,653 |
| Net interest margin | 2.9377% | 3,353 |
| Noninterest income to average assets | 0.1161% | 4,543 |
| Noninterest expense to average assets | 2.3254% | 2,727 |
| Loan and lease loss provision to assets | 0.0516% | 2,024 |
| Net operating income to assets | 0.4900% | 4,114 |
| Return on assets (ROA) | 0.4900% | 4,156 |
| Pretax return on assets | 0.3396% | 4,448 |
| Return on Equity (ROE) | 5.0979% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.0979% | 2,747 |
| Net charge-offs to loans | 0.0269% | 1,702 |
| Credit loss provision to net charge-offs | 400.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,598 |
| Efficiency ratio | 85.6013% | 489 |
| Assets per employee ($millions) | 4.6014% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5496% | 256 |
| Loan loss allowance to noncurrent loans | 64.2857% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.8255% | 192 |
| Noncurrent loans to loans | 3.9660% | 104 |
| Net loans and leases to total assets | 44.8559% | 3,775 |
| Net loans and leases to deposits | 49.6631% | 3,910 |
| Net loans and leases to core deposits | 51.1778% | 3,954 |
| Total domestic deposits to total assets | 90.3203% | 800 |
| Equity capital to assets | 9.5580% | 3,093 |
| Core capital (leverage) ratio | 9.8184% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,264,800 | 4,784 |
| Average earning assets | $20,594,600 | 4,776 |
| Average equity | $2,236,200 | 4,802 |
| Average total loans | $11,163,800 | 4,711 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4062% | 3,088 |
| Cost of funding earning assets | 0.4007% | 1,692 |
| Net interest margin | 3.0055% | 3,286 |
| Noninterest income to average assets | 0.1200% | 4,584 |
| Noninterest expense to average assets | 2.2918% | 2,777 |
| Loan and lease loss provision to assets | 0.0514% | 1,963 |
| Net operating income to assets | 0.4629% | 4,269 |
| Return on assets (ROA) | 0.4629% | 4,309 |
| Pretax return on assets | 0.4344% | 4,449 |
| Return on Equity (ROE) | 4.8095% | 4,161 |
| Retained earnings to average equity (ytd only) | 1.2469% | 4,361 |
| Net charge-offs to loans | 0.0354% | 1,368 |
| Credit loss provision to net charge-offs | 300.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,553 |
| Efficiency ratio | 82.5103% | 608 |
| Assets per employee ($millions) | 4.6666% | 3,996 |
| Cash dividends to net income (ytd only)* | 74.0741% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4884% | 293 |
| Loan loss allowance to noncurrent loans | 65.1220% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.7572% | 246 |
| Noncurrent loans to loans | 3.8211% | 144 |
| Net loans and leases to total assets | 44.8421% | 3,879 |
| Net loans and leases to deposits | 49.7007% | 4,019 |
| Net loans and leases to core deposits | 51.1888% | 4,075 |
| Total domestic deposits to total assets | 90.2241% | 671 |
| Equity capital to assets | 9.6773% | 3,215 |
| Core capital (leverage) ratio | 9.5941% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,329,250 | 4,858 |
| Average earning assets | $20,628,250 | 4,849 |
| Average equity | $2,245,500 | 4,872 |
| Average total loans | $11,307,250 | 4,782 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 2,863 |
| Cost of funding earning assets | 0.4062% | 1,834 |
| Net interest margin | 3.1049% | 3,021 |
| Noninterest income to average assets | 0.1286% | 4,562 |
| Noninterest expense to average assets | 2.2634% | 2,866 |
| Loan and lease loss provision to assets | 0.0514% | 2,004 |
| Net operating income to assets | 0.5401% | 4,135 |
| Return on assets (ROA) | 0.5401% | 4,181 |
| Pretax return on assets | 0.5658% | 4,281 |
| Return on Equity (ROE) | 5.6217% | 3,996 |
| Retained earnings to average equity (ytd only) | 2.9447% | 3,856 |
| Net charge-offs to loans | 0.0870% | 809 |
| Credit loss provision to net charge-offs | 120.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,664 |
| Efficiency ratio | 78.5714% | 882 |
| Assets per employee ($millions) | 4.7652% | 3,867 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3708% | 323 |
| Loan loss allowance to noncurrent loans | 62.8235% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7838% | 260 |
| Noncurrent loans to loans | 3.7738% | 152 |
| Net loans and leases to total assets | 46.1471% | 3,890 |
| Net loans and leases to deposits | 51.0232% | 4,045 |
| Net loans and leases to core deposits | 53.2910% | 4,059 |
| Total domestic deposits to total assets | 90.4432% | 582 |
| Equity capital to assets | 9.4099% | 3,417 |
| Core capital (leverage) ratio | 9.3625% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0732% | 1,100 |
| Memoranda: | ||
| Average total assets | $23,328,000 | 4,893 |
| Average earning assets | $20,677,000 | 4,884 |
| Average equity | $2,241,333 | 4,907 |
| Average total loans | $11,499,667 | 4,811 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 2,841 |
| Cost of funding earning assets | 0.4090% | 2,018 |
| Net interest margin | 3.1164% | 2,938 |
| Noninterest income to average assets | 0.1387% | 4,512 |
| Noninterest expense to average assets | 2.4438% | 2,343 |
| Loan and lease loss provision to assets | 0.0520% | 2,063 |
| Net operating income to assets | 0.4160% | 4,331 |
| Return on assets (ROA) | 0.4160% | 4,361 |
| Pretax return on assets | 0.4160% | 4,466 |
| Return on Equity (ROE) | 4.2838% | 4,230 |
| Retained earnings to average equity (ytd only) | 1.6064% | 4,095 |
| Net charge-offs to loans | 0.1721% | 461 |
| Credit loss provision to net charge-offs | 60.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 1,681 |
| Efficiency ratio | 83.9286% | 599 |
| Assets per employee ($millions) | 4.8246% | 3,833 |
| Cash dividends to net income (ytd only)* | 62.5000% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3505% | 331 |
| Loan loss allowance to noncurrent loans | 62.0283% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 321 |
| Noncurrent loans to loans | 3.7894% | 153 |
| Net loans and leases to total assets | 45.2929% | 4,019 |
| Net loans and leases to deposits | 49.9292% | 4,159 |
| Net loans and leases to core deposits | 52.1129% | 4,188 |
| Total domestic deposits to total assets | 90.7143% | 504 |
| Equity capital to assets | 9.1697% | 3,520 |
| Core capital (leverage) ratio | 9.6264% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,079,000 | 4,920 |
| Average earning assets | $20,536,500 | 4,911 |
| Average equity | $2,241,000 | 4,934 |
| Average total loans | $11,618,500 | 4,835 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 2,313 |
| Cost of funding earning assets | 0.5756% | 2,479 |
| Net interest margin | 3.5648% | 2,260 |
| Noninterest income to average assets | 0.1668% | 4,455 |
| Noninterest expense to average assets | 2.9588% | 1,530 |
| Loan and lease loss provision to assets | 0.0572% | 3,653 |
| Net operating income to assets | 0.3917% | 4,265 |
| Return on assets (ROA) | 0.3955% | 4,333 |
| Pretax return on assets | 0.5193% | 4,239 |
| Return on Equity (ROE) | 3.6516% | 4,236 |
| Retained earnings to average equity (ytd only) | 1.0119% | 4,225 |
| Net charge-offs to loans | -0.6482% | 4,958 |
| Credit loss provision to net charge-offs | -14.4578% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8057% | 650 |
| Assets per employee ($millions) | 4.4070% | 4,012 |
| Cash dividends to net income (ytd only)* | 72.2892% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 401 |
| Loan loss allowance to noncurrent loans | 62.1495% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.9424% | 295 |
| Noncurrent loans to loans | 3.5525% | 192 |
| Net loans and leases to total assets | 53.4695% | 3,536 |
| Net loans and leases to deposits | 59.7495% | 3,784 |
| Net loans and leases to core deposits | 62.6469% | 3,799 |
| Total domestic deposits to total assets | 89.4894% | 776 |
| Equity capital to assets | 10.3018% | 2,836 |
| Core capital (leverage) ratio | 10.1833% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2802% | 1,004 |
| Memoranda: | ||
| Average total assets | $20,988,200 | 4,949 |
| Average earning assets | $19,804,800 | 4,929 |
| Average equity | $2,273,000 | 4,951 |
| Average total loans | $12,803,800 | 4,844 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 1,952 |
| Cost of funding earning assets | 0.6064% | 2,573 |
| Net interest margin | 3.7542% | 1,749 |
| Noninterest income to average assets | 0.1801% | 4,389 |
| Noninterest expense to average assets | 2.9012% | 1,701 |
| Loan and lease loss provision to assets | 0.0579% | 3,629 |
| Net operating income to assets | 0.6497% | 3,630 |
| Return on assets (ROA) | 0.6497% | 3,734 |
| Pretax return on assets | 0.7655% | 3,743 |
| Return on Equity (ROE) | 5.9225% | 3,583 |
| Retained earnings to average equity (ytd only) | 3.2838% | 3,399 |
| Net charge-offs to loans | -0.5131% | 4,976 |
| Credit loss provision to net charge-offs | -18.0000% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8929% | 1,048 |
| Assets per employee ($millions) | 3.6005% | 4,613 |
| Cash dividends to net income (ytd only)* | 44.5545% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 780 |
| Loan loss allowance to noncurrent loans | 52.4027% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0229% | 322 |
| Noncurrent loans to loans | 3.3714% | 248 |
| Net loans and leases to total assets | 58.9409% | 3,331 |
| Net loans and leases to deposits | 66.1214% | 3,609 |
| Net loans and leases to core deposits | 69.3556% | 3,672 |
| Total domestic deposits to total assets | 89.1404% | 710 |
| Equity capital to assets | 10.6328% | 2,683 |
| Core capital (leverage) ratio | 10.1333% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4376% | 982 |
| Memoranda: | ||
| Average total assets | $20,726,500 | 4,980 |
| Average earning assets | $19,568,750 | 4,958 |
| Average equity | $2,273,750 | 4,979 |
| Average total loans | $12,992,750 | 4,873 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 1,805 |
| Cost of funding earning assets | 0.5948% | 2,995 |
| Net interest margin | 3.9446% | 1,456 |
| Noninterest income to average assets | 0.1860% | 4,348 |
| Noninterest expense to average assets | 2.6818% | 2,441 |
| Loan and lease loss provision to assets | 0.0587% | 3,564 |
| Net operating income to assets | 0.9801% | 2,398 |
| Return on assets (ROA) | 0.9885% | 2,501 |
| Pretax return on assets | 1.1549% | 2,528 |
| Return on Equity (ROE) | 8.9144% | 2,392 |
| Retained earnings to average equity (ytd only) | 6.2665% | 1,956 |
| Net charge-offs to loans | -0.7537% | 5,018 |
| Credit loss provision to net charge-offs | -12.2449% | 3,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0176% | 2,088 |
| Assets per employee ($millions) | 4.3832% | 3,922 |
| Cash dividends to net income (ytd only)* | 29.7030% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 723 |
| Loan loss allowance to noncurrent loans | 44.8413% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.2997% | 271 |
| Noncurrent loans to loans | 3.9127% | 175 |
| Net loans and leases to total assets | 57.7432% | 3,539 |
| Net loans and leases to deposits | 64.6785% | 3,834 |
| Net loans and leases to core deposits | 67.7898% | 3,873 |
| Total domestic deposits to total assets | 89.2772% | 652 |
| Equity capital to assets | 10.5311% | 2,726 |
| Core capital (leverage) ratio | 10.9469% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7871% | 796 |
| Memoranda: | ||
| Average total assets | $20,434,333 | 5,009 |
| Average earning assets | $19,165,667 | 4,994 |
| Average equity | $2,266,000 | 5,012 |
| Average total loans | $13,003,000 | 4,905 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,850 |
| Cost of funding earning assets | 0.6955% | 2,954 |
| Net interest margin | 3.9554% | 1,516 |
| Noninterest income to average assets | 0.2437% | 4,101 |
| Noninterest expense to average assets | 2.9654% | 1,968 |
| Loan and lease loss provision to assets | 0.0609% | 3,011 |
| Net operating income to assets | 0.8531% | 2,695 |
| Return on assets (ROA) | 0.8531% | 2,793 |
| Pretax return on assets | 0.9140% | 3,102 |
| Return on Equity (ROE) | 7.4833% | 2,738 |
| Retained earnings to average equity (ytd only) | 4.8107% | 2,361 |
| Net charge-offs to loans | 0.1225% | 974 |
| Credit loss provision to net charge-offs | 75.0000% | 1,951 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,708 |
| Efficiency ratio | 75.2577% | 1,652 |
| Assets per employee ($millions) | 3.9668% | 3,956 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,008 |
| Loan loss allowance to noncurrent loans | 24.2165% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 3.5394% | 131 |
| Noncurrent loans to loans | 5.4844% | 97 |
| Net loans and leases to total assets | 63.6785% | 3,104 |
| Net loans and leases to deposits | 72.0726% | 3,424 |
| Net loans and leases to core deposits | 75.9654% | 3,496 |
| Total domestic deposits to total assets | 88.3533% | 952 |
| Equity capital to assets | 11.3946% | 2,530 |
| Core capital (leverage) ratio | 11.2254% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6520% | 785 |
| Memoranda: | ||
| Average total assets | $19,693,500 | 5,061 |
| Average earning assets | $18,405,000 | 5,045 |
| Average equity | $2,245,000 | 5,058 |
| Average total loans | $13,064,000 | 4,943 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,848 |
| Cost of funding earning assets | 0.7871% | 2,740 |
| Net interest margin | 4.0815% | 1,588 |
| Noninterest income to average assets | 0.2759% | 4,031 |
| Noninterest expense to average assets | 2.6857% | 2,924 |
| Loan and lease loss provision to assets | 0.0625% | 2,787 |
| Net operating income to assets | 1.2075% | 2,029 |
| Return on assets (ROA) | 1.2075% | 2,119 |
| Pretax return on assets | 1.3064% | 2,490 |
| Return on Equity (ROE) | 10.8249% | 1,957 |
| Retained earnings to average equity (ytd only) | 8.0254% | 969 |
| Net charge-offs to loans | 0.2853% | 736 |
| Credit loss provision to net charge-offs | 32.4324% | 3,257 |
| Earnings coverage of net charge-offs (x) | 7.1081% | 2,903 |
| Efficiency ratio | 66.2388% | 2,733 |
| Assets per employee ($millions) | 3.9106% | 4,017 |
| Cash dividends to net income (ytd only)* | 25.8621% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,016 |
| Loan loss allowance to noncurrent loans | 24.1185% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6260% | 119 |
| Noncurrent loans to loans | 5.3196% | 88 |
| Net loans and leases to total assets | 67.2889% | 2,790 |
| Net loans and leases to deposits | 76.1621% | 3,162 |
| Net loans and leases to core deposits | 80.1816% | 3,281 |
| Total domestic deposits to total assets | 88.3496% | 963 |
| Equity capital to assets | 11.4049% | 2,619 |
| Core capital (leverage) ratio | 11.4036% | 2,186 |
| Tier 1 risk-based capital ratio | 17.2594% | 1,976 |
| Total risk-based capital ratio | 18.5044% | 1,921 |
| Memoranda: | ||
| Average total assets | $19,213,200 | 5,122 |
| Average earning assets | $17,787,400 | 5,107 |
| Average equity | $2,143,200 | 5,129 |
| Average total loans | $12,970,600 | 5,005 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 1,928 |
| Cost of funding earning assets | 0.7759% | 2,841 |
| Net interest margin | 4.0903% | 1,642 |
| Noninterest income to average assets | 0.2997% | 3,943 |
| Noninterest expense to average assets | 2.6417% | 3,037 |
| Loan and lease loss provision to assets | 0.0627% | 2,643 |
| Net operating income to assets | 1.1849% | 2,249 |
| Return on assets (ROA) | 1.1849% | 2,328 |
| Pretax return on assets | 1.3801% | 2,386 |
| Return on Equity (ROE) | 10.6840% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.8558% | 1,463 |
| Net charge-offs to loans | 0.1966% | 885 |
| Credit loss provision to net charge-offs | 47.3684% | 2,813 |
| Earnings coverage of net charge-offs (x) | 10.8958% | 2,469 |
| Efficiency ratio | 64.6758% | 2,913 |
| Assets per employee ($millions) | 3.9262% | 3,993 |
| Cash dividends to net income (ytd only)* | 26.4714% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 1,402 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 2,106 |
| Noncurrent loans to loans | 0.9651% | 1,663 |
| Net loans and leases to total assets | 64.5051% | 3,236 |
| Net loans and leases to deposits | 72.9772% | 3,558 |
| Net loans and leases to core deposits | 76.7083% | 3,646 |
| Total domestic deposits to total assets | 88.3908% | 878 |
| Equity capital to assets | 11.1253% | 2,988 |
| Core capital (leverage) ratio | 11.4385% | 2,269 |
| Tier 1 risk-based capital ratio | 17.3656% | 1,976 |
| Total risk-based capital ratio | 18.6140% | 1,942 |
| Memoranda: | ||
| Average total assets | $19,128,250 | 5,201 |
| Average earning assets | $17,699,750 | 5,189 |
| Average equity | $2,121,500 | 5,206 |
| Average total loans | $12,881,250 | 5,088 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 1,930 |
| Cost of funding earning assets | 0.7764% | 2,763 |
| Net interest margin | 4.0649% | 1,715 |
| Noninterest income to average assets | 0.2953% | 3,961 |
| Noninterest expense to average assets | 2.6792% | 2,981 |
| Loan and lease loss provision to assets | 0.0633% | 2,552 |
| Net operating income to assets | 1.2447% | 1,984 |
| Return on assets (ROA) | 1.2447% | 2,037 |
| Pretax return on assets | 1.3080% | 2,536 |
| Return on Equity (ROE) | 11.2345% | 1,897 |
| Retained earnings to average equity (ytd only) | 8.3783% | 1,250 |
| Net charge-offs to loans | 0.3103% | 554 |
| Credit loss provision to net charge-offs | 30.0000% | 2,599 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,564 |
| Efficiency ratio | 66.1458% | 2,792 |
| Assets per employee ($millions) | 3.7612% | 4,169 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 1,367 |
| Loan loss allowance to noncurrent loans | 206.8182% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 2,662 |
| Noncurrent loans to loans | 0.7098% | 2,207 |
| Net loans and leases to total assets | 64.9527% | 3,244 |
| Net loans and leases to deposits | 73.6642% | 3,549 |
| Net loans and leases to core deposits | 77.6196% | 3,607 |
| Total domestic deposits to total assets | 88.1740% | 1,021 |
| Equity capital to assets | 11.4166% | 2,690 |
| Core capital (leverage) ratio | 11.3936% | 2,251 |
| Tier 1 risk-based capital ratio | 19.0175% | 1,554 |
| Total risk-based capital ratio | 20.2657% | 1,519 |
| Memoranda: | ||
| Average total assets | $18,960,670 | 5,250 |
| Average earning assets | $17,515,670 | 5,236 |
| Average equity | $2,100,670 | 5,250 |
| Average total loans | $12,892,000 | 5,135 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 1,832 |
| Cost of funding earning assets | 0.7319% | 2,879 |
| Net interest margin | 4.0939% | 1,562 |
| Noninterest income to average assets | 0.3572% | 3,463 |
| Noninterest expense to average assets | 2.8154% | 2,517 |
| Loan and lease loss provision to assets | 0.0630% | 2,403 |
| Net operating income to assets | 1.5548% | 995 |
| Return on assets (ROA) | 1.5548% | 1,022 |
| Pretax return on assets | 1.2396% | 2,663 |
| Return on Equity (ROE) | 14.2479% | 915 |
| Retained earnings to average equity (ytd only) | 11.3598% | 737 |
| Net charge-offs to loans | 0.0304% | 1,846 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 902 |
| Efficiency ratio | 68.3673% | 2,589 |
| Assets per employee ($millions) | 3.8480% | 4,124 |
| Cash dividends to net income (ytd only)* | 20.2703% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,259 |
| Loan loss allowance to noncurrent loans | 232.9412% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 2,824 |
| Noncurrent loans to loans | 0.6546% | 2,378 |
| Net loans and leases to total assets | 66.4657% | 2,979 |
| Net loans and leases to deposits | 75.2368% | 3,330 |
| Net loans and leases to core deposits | 79.1680% | 3,438 |
| Total domestic deposits to total assets | 88.3420% | 1,159 |
| Equity capital to assets | 10.9719% | 2,883 |
| Core capital (leverage) ratio | 11.2076% | 2,382 |
| Tier 1 risk-based capital ratio | 17.9339% | 1,810 |
| Total risk-based capital ratio | 19.1868% | 1,772 |
| Memoranda: | ||
| Average total assets | $19,038,000 | 5,306 |
| Average earning assets | $17,489,500 | 5,291 |
| Average equity | $2,077,500 | 5,306 |
| Average total loans | $13,139,500 | 5,184 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 2,203 |
| Cost of funding earning assets | 0.4289% | 3,808 |
| Net interest margin | 4.1483% | 1,533 |
| Noninterest income to average assets | 0.3633% | 3,663 |
| Noninterest expense to average assets | 2.6865% | 3,072 |
| Loan and lease loss provision to assets | 0.4298% | 304 |
| Net operating income to assets | 0.7110% | 4,108 |
| Return on assets (ROA) | 0.6908% | 4,167 |
| Pretax return on assets | 1.1309% | 3,164 |
| Return on Equity (ROE) | 6.6918% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.7177% | 3,530 |
| Net charge-offs to loans | 0.1612% | 1,197 |
| Credit loss provision to net charge-offs | 381.8182% | 853 |
| Earnings coverage of net charge-offs (x) | 14.0909% | 2,399 |
| Efficiency ratio | 62.8743% | 3,368 |
| Assets per employee ($millions) | 3.7672% | 4,231 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,396 |
| Loan loss allowance to noncurrent loans | 221.5909% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 2,694 |
| Noncurrent loans to loans | 0.6620% | 2,341 |
| Net loans and leases to total assets | 69.5371% | 2,642 |
| Net loans and leases to deposits | 78.6289% | 3,090 |
| Net loans and leases to core deposits | 82.8253% | 3,196 |
| Total domestic deposits to total assets | 88.4370% | 1,101 |
| Equity capital to assets | 10.8516% | 2,844 |
| Core capital (leverage) ratio | 10.7598% | 2,776 |
| Tier 1 risk-based capital ratio | 17.2501% | 1,975 |
| Total risk-based capital ratio | 18.4985% | 1,927 |
| Memoranda: | ||
| Average total assets | $19,542,000 | 5,347 |
| Average earning assets | $18,417,400 | 5,331 |
| Average equity | $2,017,400 | 5,354 |
| Average total loans | $13,646,200 | 5,218 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,333 |
| Cost of funding earning assets | 0.3576% | 4,134 |
| Net interest margin | 4.1337% | 1,538 |
| Noninterest income to average assets | 0.3651% | 3,684 |
| Noninterest expense to average assets | 2.4883% | 3,626 |
| Loan and lease loss provision to assets | 0.4260% | 296 |
| Net operating income to assets | 0.8926% | 3,572 |
| Return on assets (ROA) | 0.8926% | 3,572 |
| Pretax return on assets | 1.3591% | 2,383 |
| Return on Equity (ROE) | 8.7530% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.7690% | 2,780 |
| Net charge-offs to loans | -0.0486% | 4,919 |
| Credit loss provision to net charge-offs | -1,260.0000% | 4,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2278% | 4,084 |
| Assets per employee ($millions) | 3.7460% | 4,241 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,250 |
| Loan loss allowance to noncurrent loans | 88.2096% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 1,136 |
| Noncurrent loans to loans | 1.7368% | 893 |
| Net loans and leases to total assets | 69.3166% | 2,756 |
| Net loans and leases to deposits | 78.3761% | 3,202 |
| Net loans and leases to core deposits | 81.2047% | 3,390 |
| Total domestic deposits to total assets | 88.4410% | 1,071 |
| Equity capital to assets | 10.9290% | 2,725 |
| Core capital (leverage) ratio | 10.6302% | 2,955 |
| Tier 1 risk-based capital ratio | 17.4496% | 1,953 |
| Total risk-based capital ratio | 18.7044% | 1,903 |
| Memoranda: | ||
| Average total assets | $19,718,500 | 5,416 |
| Average earning assets | $18,643,000 | 5,400 |
| Average equity | $2,010,750 | 5,426 |
| Average total loans | $13,734,500 | 5,282 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 2,529 |
| Cost of funding earning assets | 0.3698% | 3,939 |
| Net interest margin | 3.9939% | 1,881 |
| Noninterest income to average assets | 0.3891% | 3,559 |
| Noninterest expense to average assets | 2.4741% | 3,703 |
| Loan and lease loss provision to assets | 0.4190% | 287 |
| Net operating income to assets | 0.8380% | 3,726 |
| Return on assets (ROA) | 0.8380% | 3,726 |
| Pretax return on assets | 1.2670% | 2,641 |
| Return on Equity (ROE) | 8.4056% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.4036% | 2,872 |
| Net charge-offs to loans | -0.1006% | 5,160 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4724% | 4,015 |
| Assets per employee ($millions) | 3.9606% | 3,970 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 2,060 |
| Loan loss allowance to noncurrent loans | 80.6167% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 1,277 |
| Noncurrent loans to loans | 1.6415% | 979 |
| Net loans and leases to total assets | 68.9088% | 2,738 |
| Net loans and leases to deposits | 77.1309% | 3,242 |
| Net loans and leases to core deposits | 81.6392% | 3,275 |
| Total domestic deposits to total assets | 89.3400% | 795 |
| Equity capital to assets | 10.1954% | 3,444 |
| Core capital (leverage) ratio | 10.2367% | 3,307 |
| Tier 1 risk-based capital ratio | 16.5752% | 2,237 |
| Total risk-based capital ratio | 17.8282% | 2,179 |
| Memoranda: | ||
| Average total assets | $20,048,000 | 5,478 |
| Average earning assets | $18,929,000 | 5,462 |
| Average equity | $1,998,670 | 5,488 |
| Average total loans | $13,917,670 | 5,343 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,691 |
| Cost of funding earning assets | 0.3546% | 3,952 |
| Net interest margin | 3.9001% | 2,045 |
| Noninterest income to average assets | 0.4164% | 3,344 |
| Noninterest expense to average assets | 2.4789% | 3,714 |
| Loan and lease loss provision to assets | 0.4164% | 266 |
| Net operating income to assets | 0.8726% | 3,407 |
| Return on assets (ROA) | 0.8726% | 3,423 |
| Pretax return on assets | 1.2295% | 2,642 |
| Return on Equity (ROE) | 8.8509% | 2,982 |
| Retained earnings to average equity (ytd only) | 5.8335% | 2,790 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0962% | 4,053 |
| Assets per employee ($millions) | 4.0704% | 3,853 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,178 |
| Loan loss allowance to noncurrent loans | 78.7879% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 1,617 |
| Noncurrent loans to loans | 1.4401% | 1,231 |
| Net loans and leases to total assets | 66.7895% | 2,927 |
| Net loans and leases to deposits | 74.3234% | 3,384 |
| Net loans and leases to core deposits | 78.5178% | 3,450 |
| Total domestic deposits to total assets | 89.8634% | 713 |
| Equity capital to assets | 9.8172% | 3,774 |
| Core capital (leverage) ratio | 9.9562% | 3,580 |
| Tier 1 risk-based capital ratio | 16.3492% | 2,338 |
| Total risk-based capital ratio | 17.5918% | 2,287 |
| Memoranda: | ||
| Average total assets | $20,170,500 | 5,540 |
| Average earning assets | $19,179,000 | 5,518 |
| Average equity | $1,988,500 | 5,544 |
| Average total loans | $13,962,000 | 5,401 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 2,773 |
| Cost of funding earning assets | 0.3635% | 3,580 |
| Net interest margin | 3.8137% | 2,377 |
| Noninterest income to average assets | 0.4140% | 3,541 |
| Noninterest expense to average assets | 2.6202% | 3,380 |
| Loan and lease loss provision to assets | 0.7775% | 149 |
| Net operating income to assets | 0.5907% | 4,052 |
| Return on assets (ROA) | 0.5907% | 4,090 |
| Pretax return on assets | 0.6714% | 4,577 |
| Return on Equity (ROE) | 5.9700% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.9085% | 3,567 |
| Net charge-offs to loans | 1.1726% | 138 |
| Credit loss provision to net charge-offs | 98.0892% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.8280% | 3,845 |
| Efficiency ratio | 64.3921% | 3,553 |
| Assets per employee ($millions) | 3.9978% | 3,961 |
| Cash dividends to net income (ytd only)* | 51.2821% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,239 |
| Loan loss allowance to noncurrent loans | 91.7808% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,140 |
| Noncurrent loans to loans | 1.0300% | 1,725 |
| Net loans and leases to total assets | 70.2436% | 2,490 |
| Net loans and leases to deposits | 78.2446% | 3,091 |
| Net loans and leases to core deposits | 82.7499% | 3,172 |
| Total domestic deposits to total assets | 89.7744% | 647 |
| Equity capital to assets | 9.9004% | 3,818 |
| Core capital (leverage) ratio | 9.9545% | 3,512 |
| Tier 1 risk-based capital ratio | 15.1074% | 2,792 |
| Total risk-based capital ratio | 16.1350% | 2,835 |
| Memoranda: | ||
| Average total assets | $19,808,000 | 5,606 |
| Average earning assets | $18,984,400 | 5,582 |
| Average equity | $1,959,800 | 5,610 |
| Average total loans | $13,389,000 | 5,480 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,784 |
| Cost of funding earning assets | 0.3654% | 3,507 |
| Net interest margin | 3.7876% | 2,446 |
| Noninterest income to average assets | 0.3980% | 3,699 |
| Noninterest expense to average assets | 2.5097% | 3,699 |
| Loan and lease loss provision to assets | 0.7623% | 145 |
| Net operating income to assets | 0.6072% | 4,362 |
| Return on assets (ROA) | 0.6072% | 4,405 |
| Pretax return on assets | 0.7624% | 4,449 |
| Return on Equity (ROE) | 6.1381% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.0691% | 4,080 |
| Net charge-offs to loans | -0.0202% | 4,853 |
| Credit loss provision to net charge-offs | -5,650.0000% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2074% | 3,847 |
| Assets per employee ($millions) | 3.9676% | 4,044 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 754 |
| Loan loss allowance to noncurrent loans | 83.4437% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 995 |
| Noncurrent loans to loans | 2.2394% | 725 |
| Net loans and leases to total assets | 66.7104% | 3,014 |
| Net loans and leases to deposits | 74.5998% | 3,509 |
| Net loans and leases to core deposits | 78.9147% | 3,545 |
| Total domestic deposits to total assets | 89.4243% | 683 |
| Equity capital to assets | 9.9859% | 3,924 |
| Core capital (leverage) ratio | 9.8859% | 3,716 |
| Tier 1 risk-based capital ratio | 15.3328% | 2,781 |
| Total risk-based capital ratio | 16.5857% | 2,716 |
| Memoranda: | ||
| Average total assets | $19,762,750 | 5,669 |
| Average earning assets | $18,974,000 | 5,647 |
| Average equity | $1,955,000 | 5,676 |
| Average total loans | $13,192,500 | 5,544 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 2,905 |
| Cost of funding earning assets | 0.3563% | 3,515 |
| Net interest margin | 3.7198% | 2,582 |
| Noninterest income to average assets | 0.4053% | 3,658 |
| Noninterest expense to average assets | 2.5332% | 3,639 |
| Loan and lease loss provision to assets | 0.9322% | 103 |
| Net operating income to assets | 0.5978% | 4,316 |
| Return on assets (ROA) | 0.5978% | 4,359 |
| Pretax return on assets | 0.5370% | 4,941 |
| Return on Equity (ROE) | 6.0627% | 4,020 |
| Retained earnings to average equity (ytd only) | 2.9800% | 3,943 |
| Net charge-offs to loans | -0.0305% | 4,963 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2911% | 3,789 |
| Assets per employee ($millions) | 3.9820% | 3,981 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 978 |
| Loan loss allowance to noncurrent loans | 76.4901% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.5168% | 993 |
| Noncurrent loans to loans | 2.2919% | 696 |
| Net loans and leases to total assets | 65.0226% | 3,246 |
| Net loans and leases to deposits | 72.4860% | 3,689 |
| Net loans and leases to core deposits | 76.6489% | 3,713 |
| Total domestic deposits to total assets | 89.7037% | 642 |
| Equity capital to assets | 9.8795% | 4,049 |
| Core capital (leverage) ratio | 9.7963% | 3,783 |
| Tier 1 risk-based capital ratio | 16.6105% | 2,274 |
| Total risk-based capital ratio | 17.8624% | 2,226 |
| Memoranda: | ||
| Average total assets | $19,737,670 | 5,717 |
| Average earning assets | $19,087,000 | 5,696 |
| Average equity | $1,946,330 | 5,724 |
| Average total loans | $13,094,670 | 5,593 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 3,218 |
| Cost of funding earning assets | 0.3377% | 3,665 |
| Net interest margin | 3.6087% | 2,863 |
| Noninterest income to average assets | 0.4274% | 3,461 |
| Noninterest expense to average assets | 2.6461% | 3,318 |
| Loan and lease loss provision to assets | 0.4274% | 255 |
| Net operating income to assets | 0.5089% | 4,562 |
| Return on assets (ROA) | 0.5089% | 4,591 |
| Pretax return on assets | 0.8345% | 3,992 |
| Return on Equity (ROE) | 5.1653% | 4,315 |
| Retained earnings to average equity (ytd only) | 2.0661% | 4,316 |
| Net charge-offs to loans | -0.0306% | 4,942 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7083% | 3,250 |
| Assets per employee ($millions) | 3.9372% | 4,117 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 1,343 |
| Loan loss allowance to noncurrent loans | 43.6326% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.4332% | 487 |
| Noncurrent loans to loans | 3.7011% | 309 |
| Net loans and leases to total assets | 64.6805% | 3,169 |
| Net loans and leases to deposits | 71.9582% | 3,613 |
| Net loans and leases to core deposits | 76.1315% | 3,641 |
| Total domestic deposits to total assets | 89.8862% | 709 |
| Equity capital to assets | 9.8700% | 3,908 |
| Core capital (leverage) ratio | 9.7630% | 3,797 |
| Tier 1 risk-based capital ratio | 16.7947% | 2,249 |
| Total risk-based capital ratio | 18.0517% | 2,216 |
| Memoranda: | ||
| Average total assets | $19,651,500 | 5,788 |
| Average earning assets | $18,954,000 | 5,764 |
| Average equity | $1,936,000 | 5,788 |
| Average total loans | $13,053,500 | 5,656 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,425 |
| Cost of funding earning assets | 0.3194% | 3,851 |
| Net interest margin | 3.6186% | 3,003 |
| Noninterest income to average assets | 0.3450% | 4,271 |
| Noninterest expense to average assets | 2.4252% | 4,227 |
| Loan and lease loss provision to assets | 0.4262% | 347 |
| Net operating income to assets | 0.6596% | 3,955 |
| Return on assets (ROA) | 0.6596% | 4,071 |
| Pretax return on assets | 0.9995% | 3,482 |
| Return on Equity (ROE) | 6.7673% | 3,606 |
| Retained earnings to average equity (ytd only) | 3.6439% | 3,328 |
| Net charge-offs to loans | 1.4088% | 107 |
| Credit loss provision to net charge-offs | 46.9274% | 3,415 |
| Earnings coverage of net charge-offs (x) | 1.5698% | 3,970 |
| Efficiency ratio | 62.9776% | 4,110 |
| Assets per employee ($millions) | 3.9234% | 4,110 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 4,071 |
| Loan loss allowance to noncurrent loans | 50.7407% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 1,251 |
| Noncurrent loans to loans | 2.0509% | 871 |
| Net loans and leases to total assets | 66.4118% | 3,015 |
| Net loans and leases to deposits | 73.7545% | 3,540 |
| Net loans and leases to core deposits | 78.0400% | 3,569 |
| Total domestic deposits to total assets | 90.0443% | 616 |
| Equity capital to assets | 9.8333% | 3,904 |
| Core capital (leverage) ratio | 9.5687% | 4,008 |
| Tier 1 risk-based capital ratio | 15.3684% | 2,809 |
| Total risk-based capital ratio | 16.4824% | 2,805 |
| Memoranda: | ||
| Average total assets | $19,709,800 | 5,844 |
| Average earning assets | $19,095,600 | 5,818 |
| Average equity | $1,921,000 | 5,852 |
| Average total loans | $12,705,400 | 5,717 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 3,630 |
| Cost of funding earning assets | 0.3204% | 3,863 |
| Net interest margin | 3.5668% | 3,204 |
| Noninterest income to average assets | 0.3581% | 4,218 |
| Noninterest expense to average assets | 2.3378% | 4,438 |
| Loan and lease loss provision to assets | 0.4257% | 329 |
| Net operating income to assets | 0.6959% | 3,876 |
| Return on assets (ROA) | 0.6959% | 4,005 |
| Pretax return on assets | 1.0540% | 3,415 |
| Return on Equity (ROE) | 7.1563% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.0297% | 3,431 |
| Net charge-offs to loans | 0.0212% | 3,268 |
| Credit loss provision to net charge-offs | 3,150.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 109.3596% | 617 |
| Efficiency ratio | 61.2389% | 4,346 |
| Assets per employee ($millions) | 3.9294% | 4,083 |
| Cash dividends to net income (ytd only)* | 43.6904% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2802% | 449 |
| Loan loss allowance to noncurrent loans | 48.0328% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 3.1048% | 360 |
| Noncurrent loans to loans | 4.7471% | 192 |
| Net loans and leases to total assets | 63.9131% | 3,414 |
| Net loans and leases to deposits | 71.0278% | 3,886 |
| Net loans and leases to core deposits | 75.1466% | 3,905 |
| Total domestic deposits to total assets | 89.9832% | 487 |
| Equity capital to assets | 9.9659% | 4,161 |
| Core capital (leverage) ratio | 9.4615% | 4,232 |
| Tier 1 risk-based capital ratio | 17.5078% | 2,076 |
| Total risk-based capital ratio | 18.7696% | 2,035 |
| Memoranda: | ||
| Average total assets | $19,733,000 | 5,906 |
| Average earning assets | $19,138,750 | 5,878 |
| Average equity | $1,919,000 | 5,915 |
| Average total loans | $12,590,500 | 5,779 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 3,826 |
| Cost of funding earning assets | 0.3031% | 4,089 |
| Net interest margin | 3.5324% | 3,360 |
| Noninterest income to average assets | 0.3643% | 4,154 |
| Noninterest expense to average assets | 2.3277% | 4,531 |
| Loan and lease loss provision to assets | 0.4251% | 346 |
| Net operating income to assets | 0.6275% | 4,155 |
| Return on assets (ROA) | 0.6275% | 4,286 |
| Pretax return on assets | 1.0323% | 3,472 |
| Return on Equity (ROE) | 6.5058% | 3,799 |
| Retained earnings to average equity (ytd only) | 3.3578% | 3,759 |
| Net charge-offs to loans | 0.0480% | 2,525 |
| Credit loss provision to net charge-offs | 1,400.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,017 |
| Efficiency ratio | 61.4973% | 4,427 |
| Assets per employee ($millions) | 4.1026% | 3,734 |
| Cash dividends to net income (ytd only)* | 48.3871% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 626 |
| Loan loss allowance to noncurrent loans | 51.5209% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.5642% | 525 |
| Noncurrent loans to loans | 4.0624% | 281 |
| Net loans and leases to total assets | 61.7998% | 3,646 |
| Net loans and leases to deposits | 68.3212% | 4,153 |
| Net loans and leases to core deposits | 72.0858% | 4,171 |
| Total domestic deposits to total assets | 90.4548% | 328 |
| Equity capital to assets | 9.4525% | 4,814 |
| Core capital (leverage) ratio | 9.7081% | 3,919 |
| Tier 1 risk-based capital ratio | 17.0437% | 2,202 |
| Total risk-based capital ratio | 18.3065% | 2,154 |
| Memoranda: | ||
| Average total assets | $19,761,670 | 5,980 |
| Average earning assets | $19,137,000 | 5,951 |
| Average equity | $1,906,000 | 5,993 |
| Average total loans | $12,504,000 | 5,855 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,638 |
| Cost of funding earning assets | 0.3202% | 3,943 |
| Net interest margin | 3.5650% | 3,223 |
| Noninterest income to average assets | 0.3714% | 4,069 |
| Noninterest expense to average assets | 2.4347% | 4,278 |
| Loan and lease loss provision to assets | 0.4333% | 300 |
| Net operating income to assets | 0.5571% | 4,385 |
| Return on assets (ROA) | 0.5571% | 4,487 |
| Pretax return on assets | 0.9491% | 3,665 |
| Return on Equity (ROE) | 5.7158% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.5404% | 4,233 |
| Net charge-offs to loans | -0.0326% | 5,102 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7838% | 4,158 |
| Assets per employee ($millions) | 3.8946% | 4,125 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1252% | 659 |
| Loan loss allowance to noncurrent loans | 49.1296% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.6550% | 534 |
| Noncurrent loans to loans | 4.3256% | 259 |
| Net loans and leases to total assets | 60.0729% | 3,760 |
| Net loans and leases to deposits | 66.8304% | 4,176 |
| Net loans and leases to core deposits | 69.0759% | 4,313 |
| Total domestic deposits to total assets | 89.8886% | 643 |
| Equity capital to assets | 9.7776% | 4,367 |
| Core capital (leverage) ratio | 9.5721% | 4,074 |
| Tier 1 risk-based capital ratio | 16.8523% | 2,346 |
| Total risk-based capital ratio | 18.1110% | 2,283 |
| Memoranda: | ||
| Average total assets | $19,386,000 | 6,046 |
| Average earning assets | $18,737,500 | 6,018 |
| Average equity | $1,889,500 | 6,056 |
| Average total loans | $12,282,000 | 5,915 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 3,328 |
| Cost of funding earning assets | 0.3338% | 3,864 |
| Net interest margin | 3.6607% | 2,900 |
| Noninterest income to average assets | 0.3537% | 4,376 |
| Noninterest expense to average assets | 2.3864% | 4,545 |
| Loan and lease loss provision to assets | 0.4435% | 277 |
| Net operating income to assets | 0.8967% | 2,888 |
| Return on assets (ROA) | 1.0718% | 2,108 |
| Pretax return on assets | 1.2618% | 2,426 |
| Return on Equity (ROE) | 11.1846% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.8788% | 956 |
| Net charge-offs to loans | 0.1316% | 2,054 |
| Credit loss provision to net charge-offs | 525.0000% | 625 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 2,052 |
| Efficiency ratio | 61.4130% | 4,701 |
| Assets per employee ($millions) | 3.8598% | 4,191 |
| Cash dividends to net income (ytd only)* | 29.5567% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 1,064 |
| Loan loss allowance to noncurrent loans | 52.7273% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.2799% | 722 |
| Noncurrent loans to loans | 3.4887% | 405 |
| Net loans and leases to total assets | 64.1484% | 3,254 |
| Net loans and leases to deposits | 71.3545% | 3,776 |
| Net loans and leases to core deposits | 73.7739% | 3,959 |
| Total domestic deposits to total assets | 89.9010% | 673 |
| Equity capital to assets | 9.7155% | 4,279 |
| Core capital (leverage) ratio | 9.7290% | 3,869 |
| Tier 1 risk-based capital ratio | 16.2564% | 2,580 |
| Total risk-based capital ratio | 17.5136% | 2,536 |
| Memoranda: | ||
| Average total assets | $18,940,800 | 6,107 |
| Average earning assets | $18,275,400 | 6,077 |
| Average equity | $1,815,000 | 6,118 |
| Average total loans | $12,158,000 | 5,969 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,567 |
| Cost of funding earning assets | 0.3446% | 3,815 |
| Net interest margin | 3.5995% | 3,161 |
| Noninterest income to average assets | 0.3748% | 4,250 |
| Noninterest expense to average assets | 2.3552% | 4,640 |
| Loan and lease loss provision to assets | 0.4456% | 249 |
| Net operating income to assets | 0.8858% | 3,017 |
| Return on assets (ROA) | 1.1175% | 2,006 |
| Pretax return on assets | 1.3226% | 2,309 |
| Return on Equity (ROE) | 11.7033% | 1,459 |
| Retained earnings to average equity (ytd only) | 8.3700% | 1,102 |
| Net charge-offs to loans | -0.0554% | 5,577 |
| Credit loss provision to net charge-offs | -1,260.0000% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2132% | 4,688 |
| Assets per employee ($millions) | 3.8254% | 4,214 |
| Cash dividends to net income (ytd only)* | 28.4819% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8125% | 1,239 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.5932% | 646 |
| Noncurrent loans to loans | 3.3984% | 475 |
| Net loans and leases to total assets | 65.7082% | 3,059 |
| Net loans and leases to deposits | 73.1250% | 3,635 |
| Net loans and leases to core deposits | 75.6243% | 3,837 |
| Total domestic deposits to total assets | 89.8573% | 636 |
| Equity capital to assets | 9.7036% | 4,513 |
| Core capital (leverage) ratio | 9.5679% | 4,211 |
| Tier 1 risk-based capital ratio | 14.9634% | 3,312 |
| Total risk-based capital ratio | 16.2213% | 3,250 |
| Memoranda: | ||
| Average total assets | $18,851,250 | 6,194 |
| Average earning assets | $18,187,250 | 6,164 |
| Average equity | $1,800,000 | 6,205 |
| Average total loans | $12,044,500 | 6,049 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 3,945 |
| Cost of funding earning assets | 0.3534% | 3,772 |
| Net interest margin | 3.4792% | 3,587 |
| Noninterest income to average assets | 0.3731% | 4,273 |
| Noninterest expense to average assets | 2.3029% | 4,838 |
| Loan and lease loss provision to assets | 0.4478% | 240 |
| Net operating income to assets | 0.7998% | 3,388 |
| Return on assets (ROA) | 1.1408% | 1,884 |
| Pretax return on assets | 1.3966% | 1,993 |
| Return on Equity (ROE) | 12.0135% | 1,364 |
| Retained earnings to average equity (ytd only) | 8.6452% | 1,028 |
| Net charge-offs to loans | -0.0848% | 5,725 |
| Credit loss provision to net charge-offs | -840.0000% | 5,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7143% | 4,722 |
| Assets per employee ($millions) | 3.6908% | 4,445 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 1,456 |
| Loan loss allowance to noncurrent loans | 40.3442% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 3.1646% | 500 |
| Noncurrent loans to loans | 4.3714% | 323 |
| Net loans and leases to total assets | 63.6881% | 3,308 |
| Net loans and leases to deposits | 70.9294% | 3,831 |
| Net loans and leases to core deposits | 73.4471% | 4,003 |
| Total domestic deposits to total assets | 89.7908% | 750 |
| Equity capital to assets | 9.7757% | 4,308 |
| Core capital (leverage) ratio | 9.5657% | 4,184 |
| Tier 1 risk-based capital ratio | 16.0259% | 2,842 |
| Total risk-based capital ratio | 17.2835% | 2,796 |
| Memoranda: | ||
| Average total assets | $18,759,330 | 6,270 |
| Average earning assets | $18,107,670 | 6,242 |
| Average equity | $1,781,330 | 6,282 |
| Average total loans | $11,792,670 | 6,123 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 4,150 |
| Cost of funding earning assets | 0.3284% | 4,122 |
| Net interest margin | 3.4368% | 3,682 |
| Noninterest income to average assets | 0.3596% | 4,327 |
| Noninterest expense to average assets | 2.3266% | 4,804 |
| Loan and lease loss provision to assets | 0.4442% | 249 |
| Net operating income to assets | 0.6844% | 3,874 |
| Return on assets (ROA) | 1.3113% | 1,322 |
| Pretax return on assets | 1.7343% | 982 |
| Return on Equity (ROE) | 14.0113% | 876 |
| Retained earnings to average equity (ytd only) | 10.6215% | 789 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2184% | 4,598 |
| Assets per employee ($millions) | 3.8352% | 4,281 |
| Cash dividends to net income (ytd only)* | 24.1935% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 2,057 |
| Loan loss allowance to noncurrent loans | 35.6455% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 3.0246% | 624 |
| Noncurrent loans to loans | 4.4850% | 352 |
| Net loans and leases to total assets | 59.3815% | 3,747 |
| Net loans and leases to deposits | 65.8817% | 4,164 |
| Net loans and leases to core deposits | 68.1204% | 4,312 |
| Total domestic deposits to total assets | 90.1335% | 679 |
| Equity capital to assets | 9.3346% | 4,923 |
| Core capital (leverage) ratio | 9.1060% | 4,839 |
| Tier 1 risk-based capital ratio | 16.4000% | 2,734 |
| Total risk-based capital ratio | 17.6537% | 2,677 |
| Memoranda: | ||
| Average total assets | $18,912,000 | 6,337 |
| Average earning assets | $18,273,000 | 6,304 |
| Average equity | $1,770,000 | 6,347 |
| Average total loans | $11,707,000 | 6,181 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 3,985 |
| Cost of funding earning assets | 0.3569% | 4,175 |
| Net interest margin | 3.5803% | 3,471 |
| Noninterest income to average assets | 0.5045% | 3,468 |
| Noninterest expense to average assets | 2.9716% | 2,925 |
| Loan and lease loss provision to assets | 0.4269% | 403 |
| Net operating income to assets | 0.2606% | 5,622 |
| Return on assets (ROA) | 0.2606% | 5,688 |
| Pretax return on assets | 0.5544% | 5,092 |
| Return on Equity (ROE) | 2.6360% | 5,594 |
| Retained earnings to average equity (ytd only) | -0.7291% | 5,882 |
| Net charge-offs to loans | 0.1064% | 2,989 |
| Credit loss provision to net charge-offs | 641.6667% | 413 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 2,134 |
| Efficiency ratio | 75.1753% | 2,640 |
| Assets per employee ($millions) | 3.7296% | 4,475 |
| Cash dividends to net income (ytd only)* | 127.6596% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 3,019 |
| Loan loss allowance to noncurrent loans | 31.9066% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 3.0834% | 643 |
| Noncurrent loans to loans | 4.3405% | 393 |
| Net loans and leases to total assets | 62.6233% | 3,420 |
| Net loans and leases to deposits | 69.5823% | 3,966 |
| Net loans and leases to core deposits | 72.0197% | 4,120 |
| Total domestic deposits to total assets | 89.9989% | 730 |
| Equity capital to assets | 9.3844% | 4,864 |
| Core capital (leverage) ratio | 9.1337% | 4,773 |
| Tier 1 risk-based capital ratio | 15.8388% | 3,035 |
| Total risk-based capital ratio | 17.0922% | 2,989 |
| Memoranda: | ||
| Average total assets | $18,037,200 | 6,434 |
| Average earning assets | $17,372,800 | 6,405 |
| Average equity | $1,783,000 | 6,427 |
| Average total loans | $11,275,400 | 6,276 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 4,079 |
| Cost of funding earning assets | 0.3560% | 4,276 |
| Net interest margin | 3.5676% | 3,563 |
| Noninterest income to average assets | 0.5517% | 3,193 |
| Noninterest expense to average assets | 2.4378% | 4,707 |
| Loan and lease loss provision to assets | 0.4175% | 398 |
| Net operating income to assets | 0.9468% | 2,699 |
| Return on assets (ROA) | 0.9468% | 2,789 |
| Pretax return on assets | 1.1332% | 3,055 |
| Return on Equity (ROE) | 9.4532% | 2,475 |
| Retained earnings to average equity (ytd only) | 6.1036% | 2,347 |
| Net charge-offs to loans | 0.1677% | 2,126 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 14.8543% | 2,106 |
| Efficiency ratio | 61.1215% | 5,018 |
| Assets per employee ($millions) | 3.6890% | 4,507 |
| Cash dividends to net income (ytd only)* | 35.4338% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 3,882 |
| Loan loss allowance to noncurrent loans | 32.1918% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 2.7053% | 928 |
| Noncurrent loans to loans | 3.9146% | 556 |
| Net loans and leases to total assets | 59.8970% | 3,806 |
| Net loans and leases to deposits | 66.8927% | 4,246 |
| Net loans and leases to core deposits | 69.2751% | 4,390 |
| Total domestic deposits to total assets | 89.5419% | 966 |
| Equity capital to assets | 9.9377% | 4,247 |
| Core capital (leverage) ratio | 9.8875% | 3,831 |
| Tier 1 risk-based capital ratio | 16.6620% | 2,743 |
| Total risk-based capital ratio | 17.9110% | 2,698 |
| Memoranda: | ||
| Average total assets | $17,884,500 | 6,514 |
| Average earning assets | $17,228,750 | 6,485 |
| Average equity | $1,791,250 | 6,504 |
| Average total loans | $11,133,750 | 6,351 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,433 |
| Cost of funding earning assets | 0.3519% | 4,416 |
| Net interest margin | 3.4722% | 3,884 |
| Noninterest income to average assets | 0.6329% | 2,643 |
| Noninterest expense to average assets | 2.4523% | 4,730 |
| Loan and lease loss provision to assets | 0.3955% | 420 |
| Net operating income to assets | 1.0510% | 2,117 |
| Return on assets (ROA) | 1.0510% | 2,189 |
| Pretax return on assets | 1.1301% | 2,977 |
| Return on Equity (ROE) | 10.4651% | 1,952 |
| Retained earnings to average equity (ytd only) | 7.0893% | 1,726 |
| Net charge-offs to loans | 0.2519% | 1,547 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 9.6429% | 2,337 |
| Efficiency ratio | 61.6477% | 5,059 |
| Assets per employee ($millions) | 3.6242% | 4,611 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 5,189 |
| Loan loss allowance to noncurrent loans | 13.6830% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 4.8397% | 381 |
| Noncurrent loans to loans | 7.5525% | 149 |
| Net loans and leases to total assets | 63.4181% | 3,177 |
| Net loans and leases to deposits | 70.8115% | 3,720 |
| Net loans and leases to core deposits | 73.3797% | 3,903 |
| Total domestic deposits to total assets | 89.5591% | 1,049 |
| Equity capital to assets | 10.0050% | 4,098 |
| Core capital (leverage) ratio | 9.9743% | 3,651 |
| Tier 1 risk-based capital ratio | 16.1270% | 3,021 |
| Total risk-based capital ratio | 17.2124% | 3,048 |
| Memoranda: | ||
| Average total assets | $17,697,670 | 6,582 |
| Average earning assets | $17,049,670 | 6,552 |
| Average equity | $1,777,330 | 6,567 |
| Average total loans | $11,115,330 | 6,408 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,708 |
| Cost of funding earning assets | 0.3550% | 4,492 |
| Net interest margin | 3.3843% | 4,200 |
| Noninterest income to average assets | 0.6863% | 2,245 |
| Noninterest expense to average assets | 2.5392% | 4,482 |
| Loan and lease loss provision to assets | 0.3203% | 574 |
| Net operating income to assets | 1.3268% | 1,146 |
| Return on assets (ROA) | 1.3268% | 1,193 |
| Pretax return on assets | 1.0980% | 2,909 |
| Return on Equity (ROE) | 13.1856% | 1,115 |
| Retained earnings to average equity (ytd only) | 9.7755% | 1,023 |
| Net charge-offs to loans | 0.1104% | 2,076 |
| Credit loss provision to net charge-offs | 466.6667% | 573 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,325 |
| Efficiency ratio | 64.1618% | 4,837 |
| Assets per employee ($millions) | 3.6210% | 4,678 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 5,404 |
| Loan loss allowance to noncurrent loans | 22.9167% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 2.6512% | 1,162 |
| Noncurrent loans to loans | 4.4935% | 531 |
| Net loans and leases to total assets | 58.3927% | 3,786 |
| Net loans and leases to deposits | 65.0145% | 4,206 |
| Net loans and leases to core deposits | 67.3633% | 4,371 |
| Total domestic deposits to total assets | 89.8150% | 1,174 |
| Equity capital to assets | 9.8426% | 4,044 |
| Core capital (leverage) ratio | 9.8989% | 3,714 |
| Tier 1 risk-based capital ratio | 18.2090% | 2,203 |
| Total risk-based capital ratio | 19.3452% | 2,230 |
| Memoranda: | ||
| Average total assets | $17,486,000 | 6,658 |
| Average earning assets | $16,901,500 | 6,627 |
| Average equity | $1,759,500 | 6,636 |
| Average total loans | $10,867,000 | 6,491 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 4,199 |
| Cost of funding earning assets | 0.4538% | 4,076 |
| Net interest margin | 3.5153% | 3,827 |
| Noninterest income to average assets | 0.2215% | 5,751 |
| Noninterest expense to average assets | 2.7498% | 3,911 |
| Loan and lease loss provision to assets | 0.0677% | 3,778 |
| Net operating income to assets | 0.5721% | 4,400 |
| Return on assets (ROA) | 0.5721% | 4,508 |
| Pretax return on assets | 0.7874% | 4,197 |
| Return on Equity (ROE) | 5.3646% | 4,461 |
| Retained earnings to average equity (ytd only) | 1.9036% | 4,876 |
| Net charge-offs to loans | 0.0185% | 5,072 |
| Credit loss provision to net charge-offs | 550.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 607 |
| Efficiency ratio | 76.2799% | 2,728 |
| Assets per employee ($millions) | 3.3734% | 5,151 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 5,945 |
| Loan loss allowance to noncurrent loans | 20.4969% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 2.8636% | 1,125 |
| Noncurrent loans to loans | 4.3702% | 620 |
| Net loans and leases to total assets | 64.9375% | 2,881 |
| Net loans and leases to deposits | 72.6567% | 3,433 |
| Net loans and leases to core deposits | 75.4963% | 3,662 |
| Total domestic deposits to total assets | 89.3757% | 1,399 |
| Equity capital to assets | 10.2982% | 3,394 |
| Core capital (leverage) ratio | 10.2515% | 3,214 |
| Tier 1 risk-based capital ratio | 17.1828% | 2,531 |
| Total risk-based capital ratio | 18.1718% | 2,607 |
| Memoranda: | ||
| Average total assets | $16,255,800 | 6,752 |
| Average earning assets | $15,645,800 | 6,724 |
| Average equity | $1,733,600 | 6,729 |
| Average total loans | $10,803,400 | 6,557 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 4,263 |
| Cost of funding earning assets | 0.4826% | 3,937 |
| Net interest margin | 3.4817% | 3,960 |
| Noninterest income to average assets | 0.2070% | 5,936 |
| Noninterest expense to average assets | 2.6827% | 4,084 |
| Loan and lease loss provision to assets | 0.0663% | 3,728 |
| Net operating income to assets | 0.5962% | 4,361 |
| Return on assets (ROA) | 0.5962% | 4,488 |
| Pretax return on assets | 0.8031% | 4,286 |
| Return on Equity (ROE) | 5.5403% | 4,450 |
| Retained earnings to average equity (ytd only) | 2.0776% | 5,083 |
| Net charge-offs to loans | 0.0124% | 4,892 |
| Credit loss provision to net charge-offs | 800.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 105.2632% | 476 |
| Efficiency ratio | 75.5245% | 2,805 |
| Assets per employee ($millions) | 3.3194% | 5,249 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,184 |
| Loan loss allowance to noncurrent loans | 19.0570% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 3.0668% | 1,203 |
| Noncurrent loans to loans | 4.4677% | 728 |
| Net loans and leases to total assets | 68.0605% | 2,283 |
| Net loans and leases to deposits | 76.2882% | 2,918 |
| Net loans and leases to core deposits | 79.3258% | 3,196 |
| Total domestic deposits to total assets | 89.2149% | 1,449 |
| Equity capital to assets | 10.4718% | 3,310 |
| Core capital (leverage) ratio | 10.2796% | 3,274 |
| Tier 1 risk-based capital ratio | 17.1971% | 2,626 |
| Total risk-based capital ratio | 18.1709% | 2,705 |
| Memoranda: | ||
| Average total assets | $16,103,000 | 6,828 |
| Average earning assets | $15,471,000 | 6,805 |
| Average equity | $1,732,750 | 6,808 |
| Average total loans | $10,741,250 | 6,630 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8916% | 4,512 |
| Cost of funding earning assets | 0.4832% | 4,054 |
| Net interest margin | 3.4084% | 4,163 |
| Noninterest income to average assets | 0.3137% | 5,191 |
| Noninterest expense to average assets | 2.6603% | 4,182 |
| Loan and lease loss provision to assets | 0.0627% | 3,756 |
| Net operating income to assets | 0.6776% | 3,917 |
| Return on assets (ROA) | 0.6776% | 4,079 |
| Pretax return on assets | 0.8658% | 4,038 |
| Return on Equity (ROE) | 6.2392% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.7730% | 4,547 |
| Net charge-offs to loans | 0.0380% | 4,150 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 979 |
| Efficiency ratio | 74.1259% | 3,103 |
| Assets per employee ($millions) | 3.3052% | 5,249 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 6,268 |
| Loan loss allowance to noncurrent loans | 21.8310% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 2.8743% | 1,432 |
| Noncurrent loans to loans | 3.8657% | 1,038 |
| Net loans and leases to total assets | 66.1201% | 2,566 |
| Net loans and leases to deposits | 74.1467% | 3,131 |
| Net loans and leases to core deposits | 77.1136% | 3,413 |
| Total domestic deposits to total assets | 89.1746% | 1,523 |
| Equity capital to assets | 10.4865% | 3,319 |
| Core capital (leverage) ratio | 10.4408% | 2,948 |
| Tier 1 risk-based capital ratio | 17.7019% | 2,436 |
| Total risk-based capital ratio | 18.6646% | 2,520 |
| Memoranda: | ||
| Average total assets | $15,938,330 | 6,879 |
| Average earning assets | $15,315,000 | 6,857 |
| Average equity | $1,731,000 | 6,855 |
| Average total loans | $10,524,000 | 6,682 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 4,575 |
| Cost of funding earning assets | 0.5074% | 4,007 |
| Net interest margin | 3.3649% | 4,252 |
| Noninterest income to average assets | 0.3068% | 5,239 |
| Noninterest expense to average assets | 2.8636% | 3,489 |
| Loan and lease loss provision to assets | 0.0256% | 4,147 |
| Net operating income to assets | 0.4858% | 4,747 |
| Return on assets (ROA) | 0.4858% | 4,900 |
| Pretax return on assets | 0.6392% | 4,808 |
| Return on Equity (ROE) | 4.3931% | 4,901 |
| Retained earnings to average equity (ytd only) | 0.9249% | 5,476 |
| Net charge-offs to loans | 0.0389% | 3,483 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,032 |
| Efficiency ratio | 81.1594% | 2,169 |
| Assets per employee ($millions) | 3.2142% | 5,597 |
| Cash dividends to net income (ytd only)* | 78.9474% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 6,305 |
| Loan loss allowance to noncurrent loans | 22.0049% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 2.8499% | 1,583 |
| Noncurrent loans to loans | 4.0063% | 1,127 |
| Net loans and leases to total assets | 62.9643% | 2,889 |
| Net loans and leases to deposits | 70.9110% | 3,339 |
| Net loans and leases to core deposits | 73.8398% | 3,596 |
| Total domestic deposits to total assets | 88.7935% | 1,803 |
| Equity capital to assets | 10.7585% | 3,247 |
| Core capital (leverage) ratio | 10.6390% | 2,607 |
| Tier 1 risk-based capital ratio | 18.8996% | 2,069 |
| Total risk-based capital ratio | 19.9061% | 2,108 |
| Memoranda: | ||
| Average total assets | $15,644,500 | 6,958 |
| Average earning assets | $14,978,000 | 6,939 |
| Average equity | $1,730,000 | 6,921 |
| Average total loans | $10,276,000 | 6,758 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 3,527 |
| Cost of funding earning assets | 0.5596% | 4,730 |
| Net interest margin | 3.9099% | 2,786 |
| Noninterest income to average assets | 0.4153% | 4,493 |
| Noninterest expense to average assets | 2.9984% | 3,281 |
| Loan and lease loss provision to assets | 0.0422% | 5,328 |
| Net operating income to assets | 0.8728% | 2,946 |
| Return on assets (ROA) | 0.8728% | 3,188 |
| Pretax return on assets | 1.1121% | 3,114 |
| Return on Equity (ROE) | 7.2693% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.7519% | 3,575 |
| Net charge-offs to loans | 0.0599% | 5,094 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,072 |
| Efficiency ratio | 72.2034% | 3,377 |
| Assets per employee ($millions) | 3.0436% | 5,947 |
| Cash dividends to net income (ytd only)* | 48.3871% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 6,342 |
| Loan loss allowance to noncurrent loans | 1,125.0000% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 5,575 |
| Noncurrent loans to loans | 0.0773% | 6,292 |
| Net loans and leases to total assets | 67.3742% | 2,299 |
| Net loans and leases to deposits | 76.5549% | 2,710 |
| Net loans and leases to core deposits | 79.9330% | 3,011 |
| Total domestic deposits to total assets | 88.0076% | 2,231 |
| Equity capital to assets | 11.3747% | 2,562 |
| Core capital (leverage) ratio | 11.1915% | 2,094 |
| Tier 1 risk-based capital ratio | 18.6237% | 2,063 |
| Total risk-based capital ratio | 19.6178% | 2,108 |
| Memoranda: | ||
| Average total assets | $14,207,600 | 7,036 |
| Average earning assets | $13,581,000 | 7,018 |
| Average equity | $1,705,800 | 7,000 |
| Average total loans | $10,014,600 | 6,847 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 3,550 |
| Cost of funding earning assets | 0.5678% | 4,936 |
| Net interest margin | 3.9546% | 2,685 |
| Noninterest income to average assets | 0.4681% | 4,150 |
| Noninterest expense to average assets | 2.8758% | 3,686 |
| Loan and lease loss provision to assets | 0.0478% | 5,172 |
| Net operating income to assets | 1.0414% | 2,316 |
| Return on assets (ROA) | 1.0414% | 2,531 |
| Pretax return on assets | 1.3376% | 2,464 |
| Return on Equity (ROE) | 8.5513% | 3,017 |
| Retained earnings to average equity (ytd only) | 5.0209% | 3,348 |
| Net charge-offs to loans | 0.1074% | 4,314 |
| Credit loss provision to net charge-offs | 62.5000% | 4,084 |
| Earnings coverage of net charge-offs (x) | 18.1190% | 1,583 |
| Efficiency ratio | 67.4888% | 4,179 |
| Assets per employee ($millions) | 2.9120% | 6,198 |
| Cash dividends to net income (ytd only)* | 41.2854% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,488 |
| Loan loss allowance to noncurrent loans | 71.9008% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 4,627 |
| Noncurrent loans to loans | 1.1941% | 4,065 |
| Net loans and leases to total assets | 68.9973% | 2,116 |
| Net loans and leases to deposits | 78.9842% | 2,534 |
| Net loans and leases to core deposits | 82.6627% | 2,879 |
| Total domestic deposits to total assets | 87.3558% | 2,462 |
| Equity capital to assets | 11.9162% | 2,340 |
| Core capital (leverage) ratio | 11.7397% | 1,817 |
| Tier 1 risk-based capital ratio | 18.2754% | 2,244 |
| Total risk-based capital ratio | 19.2179% | 2,338 |
| Memoranda: | ||
| Average total assets | $13,955,000 | 7,134 |
| Average earning assets | $13,385,000 | 7,113 |
| Average equity | $1,699,500 | 7,094 |
| Average total loans | $9,932,500 | 6,942 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 3,332 |
| Cost of funding earning assets | 0.5777% | 5,091 |
| Net interest margin | 4.0285% | 2,389 |
| Noninterest income to average assets | 0.5381% | 3,663 |
| Noninterest expense to average assets | 2.8648% | 3,765 |
| Loan and lease loss provision to assets | 0.0436% | 5,134 |
| Net operating income to assets | 1.1343% | 1,933 |
| Return on assets (ROA) | 1.1343% | 2,152 |
| Pretax return on assets | 1.4833% | 1,905 |
| Return on Equity (ROE) | 9.2435% | 2,690 |
| Retained earnings to average equity (ytd only) | 5.6883% | 2,883 |
| Net charge-offs to loans | 0.1014% | 4,150 |
| Credit loss provision to net charge-offs | 60.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,361 |
| Efficiency ratio | 65.2318% | 4,682 |
| Assets per employee ($millions) | 2.7444% | 6,483 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 6,511 |
| Loan loss allowance to noncurrent loans | 95.6522% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 5,099 |
| Noncurrent loans to loans | 0.9187% | 4,664 |
| Net loans and leases to total assets | 72.3364% | 1,507 |
| Net loans and leases to deposits | 83.3977% | 1,935 |
| Net loans and leases to core deposits | 87.5618% | 2,252 |
| Total domestic deposits to total assets | 86.7366% | 2,938 |
| Equity capital to assets | 12.5346% | 1,797 |
| Core capital (leverage) ratio | 12.1474% | 1,521 |
| Tier 1 risk-based capital ratio | 18.3768% | 2,170 |
| Total risk-based capital ratio | 19.3446% | 2,236 |
| Memoranda: | ||
| Average total assets | $13,753,330 | 7,199 |
| Average earning assets | $13,156,330 | 7,178 |
| Average equity | $1,687,670 | 7,149 |
| Average total loans | $9,865,670 | 7,002 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 3,426 |
| Cost of funding earning assets | 0.5772% | 5,300 |
| Net interest margin | 4.0401% | 2,331 |
| Noninterest income to average assets | 0.5810% | 3,343 |
| Noninterest expense to average assets | 2.9051% | 3,602 |
| Loan and lease loss provision to assets | 0.0581% | 4,686 |
| Net operating income to assets | 1.1039% | 2,067 |
| Return on assets (ROA) | 1.1039% | 2,252 |
| Pretax return on assets | 1.4816% | 1,920 |
| Return on Equity (ROE) | 9.0936% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.5040% | 3,256 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3595% | 4,678 |
| Assets per employee ($millions) | 2.8352% | 6,455 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 6,476 |
| Loan loss allowance to noncurrent loans | 146.0317% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 5,753 |
| Noncurrent loans to loans | 0.6360% | 5,369 |
| Net loans and leases to total assets | 69.2226% | 1,907 |
| Net loans and leases to deposits | 79.1690% | 2,318 |
| Net loans and leases to core deposits | 82.9501% | 2,696 |
| Total domestic deposits to total assets | 87.4365% | 2,695 |
| Equity capital to assets | 11.8651% | 2,133 |
| Core capital (leverage) ratio | 11.9971% | 1,591 |
| Tier 1 risk-based capital ratio | 18.0068% | 2,286 |
| Total risk-based capital ratio | 19.0132% | 2,355 |
| Memoranda: | ||
| Average total assets | $13,769,000 | 7,260 |
| Average earning assets | $13,168,000 | 7,240 |
| Average equity | $1,671,500 | 7,207 |
| Average total loans | $9,791,500 | 7,071 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 3,951 |
| Cost of funding earning assets | 0.7128% | 5,452 |
| Net interest margin | 4.0549% | 2,615 |
| Noninterest income to average assets | 0.4617% | 4,122 |
| Noninterest expense to average assets | 3.2776% | 2,595 |
| Loan and lease loss provision to assets | 0.0454% | 6,011 |
| Net operating income to assets | 0.8629% | 2,759 |
| Return on assets (ROA) | 0.8629% | 2,906 |
| Pretax return on assets | 1.0143% | 3,189 |
| Return on Equity (ROE) | 7.0720% | 3,371 |
| Retained earnings to average equity (ytd only) | 3.3499% | 3,835 |
| Net charge-offs to loans | 0.1061% | 5,300 |
| Credit loss provision to net charge-offs | 60.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,494 |
| Efficiency ratio | 75.5672% | 2,964 |
| Assets per employee ($millions) | 2.6724% | 6,645 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 6,465 |
| Loan loss allowance to noncurrent loans | 290.3226% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 6,383 |
| Noncurrent loans to loans | 0.3203% | 6,091 |
| Net loans and leases to total assets | 71.7557% | 1,686 |
| Net loans and leases to deposits | 82.5769% | 2,125 |
| Net loans and leases to core deposits | 86.8007% | 2,528 |
| Total domestic deposits to total assets | 86.8957% | 2,821 |
| Equity capital to assets | 12.4308% | 1,838 |
| Core capital (leverage) ratio | 11.9947% | 1,596 |
| Tier 1 risk-based capital ratio | 17.1673% | 2,526 |
| Total risk-based capital ratio | 18.1193% | 2,624 |
| Memoranda: | ||
| Average total assets | $13,210,800 | 7,307 |
| Average earning assets | $12,626,600 | 7,288 |
| Average equity | $1,612,000 | 7,271 |
| Average total loans | $9,428,400 | 7,133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 4,356 |
| Cost of funding earning assets | 0.7075% | 5,709 |
| Net interest margin | 4.0127% | 2,863 |
| Noninterest income to average assets | 0.4555% | 4,255 |
| Noninterest expense to average assets | 3.2085% | 2,803 |
| Loan and lease loss provision to assets | 0.0506% | 5,812 |
| Net operating income to assets | 0.9110% | 2,698 |
| Return on assets (ROA) | 0.9110% | 2,835 |
| Pretax return on assets | 1.0425% | 3,239 |
| Return on Equity (ROE) | 7.5012% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.7506% | 4,078 |
| Net charge-offs to loans | 0.1139% | 4,878 |
| Credit loss provision to net charge-offs | 62.5000% | 4,726 |
| Earnings coverage of net charge-offs (x) | 13.4958% | 1,612 |
| Efficiency ratio | 74.5882% | 3,070 |
| Assets per employee ($millions) | 2.6426% | 6,731 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,586 |
| Loan loss allowance to noncurrent loans | 171.6981% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 6,075 |
| Noncurrent loans to loans | 0.5263% | 5,801 |
| Net loans and leases to total assets | 75.5317% | 1,053 |
| Net loans and leases to deposits | 86.9717% | 1,559 |
| Net loans and leases to core deposits | 91.4673% | 2,056 |
| Total domestic deposits to total assets | 86.8463% | 2,747 |
| Equity capital to assets | 12.4726% | 1,928 |
| Core capital (leverage) ratio | 12.1454% | 1,627 |
| Tier 1 risk-based capital ratio | 17.3623% | 2,502 |
| Total risk-based capital ratio | 18.3412% | 2,567 |
| Memoranda: | ||
| Average total assets | $13,173,000 | 7,385 |
| Average earning assets | $12,626,250 | 7,365 |
| Average equity | $1,599,750 | 7,347 |
| Average total loans | $9,366,000 | 7,203 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 5,096 |
| Cost of funding earning assets | 0.7142% | 5,875 |
| Net interest margin | 3.8567% | 3,503 |
| Noninterest income to average assets | 0.4559% | 4,239 |
| Noninterest expense to average assets | 3.1156% | 3,192 |
| Loan and lease loss provision to assets | 0.0456% | 5,739 |
| Net operating income to assets | 0.9271% | 2,527 |
| Return on assets (ROA) | 0.9271% | 2,634 |
| Pretax return on assets | 0.9879% | 3,281 |
| Return on Equity (ROE) | 7.7036% | 3,096 |
| Retained earnings to average equity (ytd only) | 3.9150% | 3,700 |
| Net charge-offs to loans | 0.0438% | 5,244 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 844 |
| Efficiency ratio | 75.0916% | 3,165 |
| Assets per employee ($millions) | 2.6058% | 6,784 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 6,498 |
| Loan loss allowance to noncurrent loans | 148.4375% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 5,940 |
| Noncurrent loans to loans | 0.6431% | 5,639 |
| Net loans and leases to total assets | 75.6543% | 1,126 |
| Net loans and leases to deposits | 86.8611% | 1,668 |
| Net loans and leases to core deposits | 91.4039% | 2,208 |
| Total domestic deposits to total assets | 87.0980% | 2,688 |
| Equity capital to assets | 12.3570% | 1,869 |
| Core capital (leverage) ratio | 12.1063% | 1,551 |
| Tier 1 risk-based capital ratio | 17.3127% | 2,409 |
| Total risk-based capital ratio | 18.3413% | 2,457 |
| Memoranda: | ||
| Average total assets | $13,159,670 | 7,458 |
| Average earning assets | $12,601,330 | 7,436 |
| Average equity | $1,583,670 | 7,420 |
| Average total loans | $9,131,000 | 7,284 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 6,006 |
| Cost of funding earning assets | 0.7598% | 5,804 |
| Net interest margin | 3.5457% | 4,829 |
| Noninterest income to average assets | 0.5142% | 3,771 |
| Noninterest expense to average assets | 3.0246% | 3,538 |
| Loan and lease loss provision to assets | 0.0605% | 5,244 |
| Net operating income to assets | 0.7259% | 3,397 |
| Return on assets (ROA) | 0.7259% | 3,459 |
| Pretax return on assets | 0.8166% | 3,841 |
| Return on Equity (ROE) | 6.1127% | 3,836 |
| Retained earnings to average equity (ytd only) | 2.2923% | 4,780 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5194% | 2,912 |
| Assets per employee ($millions) | 2.7324% | 6,654 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 6,204 |
| Loan loss allowance to noncurrent loans | 181.1321% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 6,233 |
| Noncurrent loans to loans | 0.5826% | 5,863 |
| Net loans and leases to total assets | 65.8835% | 3,041 |
| Net loans and leases to deposits | 74.9334% | 3,603 |
| Net loans and leases to core deposits | 78.6114% | 3,940 |
| Total domestic deposits to total assets | 87.9227% | 2,417 |
| Equity capital to assets | 11.5283% | 2,241 |
| Core capital (leverage) ratio | 11.8759% | 1,634 |
| Tier 1 risk-based capital ratio | 18.4272% | 1,981 |
| Total risk-based capital ratio | 19.5490% | 1,975 |
| Memoranda: | ||
| Average total assets | $13,225,000 | 7,517 |
| Average earning assets | $12,635,000 | 7,496 |
| Average equity | $1,570,500 | 7,475 |
| Average total loans | $8,720,500 | 7,351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 6,160 |
| Cost of funding earning assets | 0.9639% | 5,873 |
| Net interest margin | 3.6187% | 4,726 |
| Noninterest income to average assets | 0.5006% | 4,161 |
| Noninterest expense to average assets | 3.2073% | 3,062 |
| Loan and lease loss provision to assets | 0.0469% | 6,695 |
| Net operating income to assets | 0.5319% | 3,957 |
| Return on assets (ROA) | 0.5319% | 4,110 |
| Pretax return on assets | 0.7119% | 3,933 |
| Return on Equity (ROE) | 4.3071% | 4,383 |
| Retained earnings to average equity (ytd only) | 0.5067% | 5,325 |
| Net charge-offs to loans | 0.0120% | 6,712 |
| Credit loss provision to net charge-offs | 600.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 251 |
| Efficiency ratio | 80.8679% | 2,299 |
| Assets per employee ($millions) | 2.5576% | 6,920 |
| Cash dividends to net income (ytd only)* | 88.2353% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,843 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 7,162 |
| Noncurrent loans to loans | 0.0479% | 7,009 |
| Net loans and leases to total assets | 64.5136% | 3,758 |
| Net loans and leases to deposits | 74.0109% | 4,187 |
| Net loans and leases to core deposits | 77.9405% | 4,465 |
| Total domestic deposits to total assets | 87.1677% | 2,728 |
| Equity capital to assets | 12.2459% | 1,769 |
| Core capital (leverage) ratio | 12.1968% | 1,431 |
| Tier 1 risk-based capital ratio | 20.6801% | 1,366 |
| Total risk-based capital ratio | 21.9191% | 1,350 |
| Memoranda: | ||
| Average total assets | $12,783,400 | 7,603 |
| Average earning assets | $12,241,800 | 7,574 |
| Average equity | $1,578,800 | 7,570 |
| Average total loans | $8,341,000 | 7,454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 6,394 |
| Cost of funding earning assets | 1.0113% | 5,887 |
| Net interest margin | 3.5666% | 5,034 |
| Noninterest income to average assets | 0.5111% | 4,090 |
| Noninterest expense to average assets | 3.1084% | 3,300 |
| Loan and lease loss provision to assets | 0.0417% | 6,667 |
| Net operating income to assets | 0.7823% | 3,077 |
| Return on assets (ROA) | 0.7823% | 3,236 |
| Pretax return on assets | 0.7823% | 3,975 |
| Return on Equity (ROE) | 6.3211% | 3,670 |
| Retained earnings to average equity (ytd only) | 2.5284% | 4,652 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0451% | 2,481 |
| Assets per employee ($millions) | 2.4988% | 7,085 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 6,129 |
| Loan loss allowance to noncurrent loans | 387.5000% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 6,884 |
| Noncurrent loans to loans | 0.2726% | 6,642 |
| Net loans and leases to total assets | 69.7215% | 2,804 |
| Net loans and leases to deposits | 80.4934% | 3,358 |
| Net loans and leases to core deposits | 84.8943% | 3,820 |
| Total domestic deposits to total assets | 86.6176% | 2,743 |
| Equity capital to assets | 12.7981% | 1,682 |
| Core capital (leverage) ratio | 12.5970% | 1,372 |
| Tier 1 risk-based capital ratio | 19.5984% | 1,626 |
| Total risk-based capital ratio | 20.7440% | 1,615 |
| Memoranda: | ||
| Average total assets | $12,782,250 | 7,702 |
| Average earning assets | $12,261,500 | 7,676 |
| Average equity | $1,582,000 | 7,669 |
| Average total loans | $8,340,250 | 7,551 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 6,680 |
| Cost of funding earning assets | 1.0675% | 5,832 |
| Net interest margin | 3.4451% | 5,458 |
| Noninterest income to average assets | 0.4814% | 4,273 |
| Noninterest expense to average assets | 3.0594% | 3,474 |
| Loan and lease loss provision to assets | 0.0466% | 6,501 |
| Net operating income to assets | 0.6833% | 3,470 |
| Return on assets (ROA) | 0.6833% | 3,617 |
| Pretax return on assets | 0.6833% | 4,296 |
| Return on Equity (ROE) | 5.5826% | 4,007 |
| Retained earnings to average equity (ytd only) | 1.7763% | 4,976 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7377% | 2,339 |
| Assets per employee ($millions) | 2.5292% | 7,063 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 6,040 |
| Loan loss allowance to noncurrent loans | 368.0000% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 6,902 |
| Noncurrent loans to loans | 0.2934% | 6,644 |
| Net loans and leases to total assets | 66.6614% | 3,696 |
| Net loans and leases to deposits | 76.6642% | 4,208 |
| Net loans and leases to core deposits | 80.7858% | 4,576 |
| Total domestic deposits to total assets | 86.9524% | 2,552 |
| Equity capital to assets | 12.4862% | 1,811 |
| Core capital (leverage) ratio | 12.2586% | 1,515 |
| Tier 1 risk-based capital ratio | 20.1691% | 1,486 |
| Total risk-based capital ratio | 21.3480% | 1,470 |
| Memoranda: | ||
| Average total assets | $12,878,330 | 7,768 |
| Average earning assets | $12,365,330 | 7,741 |
| Average equity | $1,576,330 | 7,736 |
| Average total loans | $8,185,670 | 7,622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 6,779 |
| Cost of funding earning assets | 1.1266% | 5,769 |
| Net interest margin | 3.3797% | 5,667 |
| Noninterest income to average assets | 0.5541% | 3,621 |
| Noninterest expense to average assets | 3.0167% | 3,613 |
| Loan and lease loss provision to assets | 0.0308% | 6,371 |
| Net operating income to assets | 0.7388% | 3,266 |
| Return on assets (ROA) | 0.7388% | 3,367 |
| Pretax return on assets | 0.7388% | 4,093 |
| Return on Equity (ROE) | 6.0952% | 3,830 |
| Retained earnings to average equity (ytd only) | 2.2857% | 4,766 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6748% | 2,619 |
| Assets per employee ($millions) | 2.6388% | 6,969 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,872 |
| Loan loss allowance to noncurrent loans | 360.0000% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 6,997 |
| Noncurrent loans to loans | 0.3134% | 6,684 |
| Net loans and leases to total assets | 59.7696% | 5,156 |
| Net loans and leases to deposits | 68.4074% | 5,542 |
| Net loans and leases to core deposits | 71.8870% | 5,728 |
| Total domestic deposits to total assets | 87.3730% | 2,423 |
| Equity capital to assets | 11.9600% | 2,059 |
| Core capital (leverage) ratio | 12.1224% | 1,587 |
| Tier 1 risk-based capital ratio | 22.2018% | 1,177 |
| Total risk-based capital ratio | 23.4470% | 1,154 |
| Memoranda: | ||
| Average total assets | $12,994,500 | 7,868 |
| Average earning assets | $12,427,000 | 7,840 |
| Average equity | $1,575,000 | 7,825 |
| Average total loans | $8,017,500 | 7,727 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 5,901 |
| Cost of funding earning assets | 1.4411% | 5,760 |
| Net interest margin | 3.7033% | 4,133 |
| Noninterest income to average assets | 0.4272% | 4,991 |
| Noninterest expense to average assets | 3.1880% | 3,415 |
| Loan and lease loss provision to assets | 0.0475% | 7,090 |
| Net operating income to assets | 0.5221% | 3,644 |
| Return on assets (ROA) | 0.5221% | 3,729 |
| Pretax return on assets | 0.6882% | 3,610 |
| Return on Equity (ROE) | 4.1583% | 4,021 |
| Retained earnings to average equity (ytd only) | 0.3780% | 4,696 |
| Net charge-offs to loans | 0.0132% | 7,036 |
| Credit loss provision to net charge-offs | 600.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 300 |
| Efficiency ratio | 81.2500% | 2,706 |
| Assets per employee ($millions) | 2.5590% | 7,105 |
| Cash dividends to net income (ytd only)* | 90.9091% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 5,879 |
| Loan loss allowance to noncurrent loans | 317.8571% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 6,914 |
| Noncurrent loans to loans | 0.3474% | 6,585 |
| Net loans and leases to total assets | 62.2900% | 4,929 |
| Net loans and leases to deposits | 71.5376% | 5,399 |
| Net loans and leases to core deposits | 90.3526% | 5,085 |
| Total domestic deposits to total assets | 87.0731% | 2,461 |
| Equity capital to assets | 12.2860% | 1,862 |
| Core capital (leverage) ratio | 12.2489% | 1,551 |
| Tier 1 risk-based capital ratio | 20.2386% | 1,418 |
| Total risk-based capital ratio | 21.3925% | 1,398 |
| Memoranda: | ||
| Average total assets | $12,641,200 | 7,940 |
| Average earning assets | $11,935,200 | 7,914 |
| Average equity | $1,587,200 | 7,909 |
| Average total loans | $7,547,800 | 7,801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 5,562 |
| Cost of funding earning assets | 1.4950% | 5,842 |
| Net interest margin | 3.7769% | 3,755 |
| Noninterest income to average assets | 0.4549% | 4,869 |
| Noninterest expense to average assets | 3.0574% | 3,814 |
| Loan and lease loss provision to assets | 0.0423% | 6,946 |
| Net operating income to assets | 0.8040% | 2,796 |
| Return on assets (ROA) | 0.8040% | 2,864 |
| Pretax return on assets | 0.9098% | 3,199 |
| Return on Equity (ROE) | 6.3690% | 3,367 |
| Retained earnings to average equity (ytd only) | 2.5977% | 3,865 |
| Net charge-offs to loans | 0.0539% | 6,171 |
| Credit loss provision to net charge-offs | 133.3333% | 3,741 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 934 |
| Efficiency ratio | 76.2533% | 3,458 |
| Assets per employee ($millions) | 2.6090% | 7,029 |
| Cash dividends to net income (ytd only)* | 59.2125% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 5,991 |
| Loan loss allowance to noncurrent loans | 1,416.6667% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 7,451 |
| Noncurrent loans to loans | 0.0743% | 7,308 |
| Net loans and leases to total assets | 61.2495% | 5,368 |
| Net loans and leases to deposits | 70.5145% | 5,842 |
| Net loans and leases to core deposits | 93.7243% | 5,042 |
| Total domestic deposits to total assets | 86.8609% | 2,254 |
| Equity capital to assets | 12.2729% | 2,084 |
| Core capital (leverage) ratio | 12.3790% | 1,629 |
| Tier 1 risk-based capital ratio | 19.9397% | 1,572 |
| Total risk-based capital ratio | 21.0083% | 1,563 |
| Memoranda: | ||
| Average total assets | $12,602,750 | 8,021 |
| Average earning assets | $11,861,250 | 7,998 |
| Average equity | $1,591,000 | 7,994 |
| Average total loans | $7,420,000 | 7,883 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 5,237 |
| Cost of funding earning assets | 1.5132% | 6,085 |
| Net interest margin | 3.8690% | 3,254 |
| Noninterest income to average assets | 0.4817% | 4,613 |
| Noninterest expense to average assets | 3.0830% | 3,767 |
| Loan and lease loss provision to assets | 0.0482% | 6,755 |
| Net operating income to assets | 0.8832% | 2,520 |
| Return on assets (ROA) | 0.8832% | 2,626 |
| Pretax return on assets | 0.9634% | 3,137 |
| Return on Equity (ROE) | 6.9284% | 3,236 |
| Retained earnings to average equity (ytd only) | 3.1493% | 3,565 |
| Net charge-offs to loans | 0.0278% | 6,086 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 571 |
| Efficiency ratio | 75.2941% | 3,829 |
| Assets per employee ($millions) | 2.4998% | 7,252 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,417 |
| Loan loss allowance to noncurrent loans | 277.4194% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 6,752 |
| Noncurrent loans to loans | 0.4057% | 6,491 |
| Net loans and leases to total assets | 60.4528% | 5,606 |
| Net loans and leases to deposits | 69.9047% | 5,999 |
| Net loans and leases to core deposits | 91.6101% | 5,387 |
| Total domestic deposits to total assets | 86.4789% | 2,520 |
| Equity capital to assets | 12.7610% | 1,807 |
| Core capital (leverage) ratio | 12.5327% | 1,611 |
| Tier 1 risk-based capital ratio | 20.5595% | 1,471 |
| Total risk-based capital ratio | 21.6786% | 1,462 |
| Memoranda: | ||
| Average total assets | $12,455,330 | 8,112 |
| Average earning assets | $11,631,000 | 8,088 |
| Average equity | $1,587,670 | 8,078 |
| Average total loans | $7,201,670 | 7,983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5983% | 4,363 |
| Cost of funding earning assets | 1.5745% | 6,144 |
| Net interest margin | 4.0238% | 2,560 |
| Noninterest income to average assets | 0.4826% | 4,480 |
| Noninterest expense to average assets | 2.9597% | 3,942 |
| Loan and lease loss provision to assets | 0.0643% | 6,147 |
| Net operating income to assets | 1.1260% | 1,875 |
| Return on assets (ROA) | 1.1260% | 1,999 |
| Pretax return on assets | 1.1582% | 2,773 |
| Return on Equity (ROE) | 8.8384% | 2,788 |
| Retained earnings to average equity (ytd only) | 5.0505% | 3,092 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7692% | 4,420 |
| Assets per employee ($millions) | 2.5164% | 7,246 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 4,698 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 7,382 |
| Noncurrent loans to loans | 0.0565% | 7,373 |
| Net loans and leases to total assets | 55.5715% | 6,301 |
| Net loans and leases to deposits | 64.2116% | 6,544 |
| Net loans and leases to core deposits | 83.8470% | 6,069 |
| Total domestic deposits to total assets | 86.5443% | 2,429 |
| Equity capital to assets | 12.6530% | 1,906 |
| Core capital (leverage) ratio | 12.5990% | 1,648 |
| Tier 1 risk-based capital ratio | 22.3881% | 1,257 |
| Total risk-based capital ratio | 23.6105% | 1,227 |
| Memoranda: | ||
| Average total assets | $12,433,500 | 8,162 |
| Average earning assets | $11,432,000 | 8,144 |
| Average equity | $1,584,000 | 8,138 |
| Average total loans | $6,981,500 | 8,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5619% | 2,660 |
| Cost of funding earning assets | 2.0938% | 6,078 |
| Net interest margin | 4.4680% | 1,497 |
| Noninterest income to average assets | 0.7430% | 2,823 |
| Noninterest expense to average assets | 3.7764% | 1,801 |
| Loan and lease loss provision to assets | 0.0524% | 6,761 |
| Net operating income to assets | 0.9878% | 2,599 |
| Return on assets (ROA) | 0.9878% | 2,478 |
| Pretax return on assets | 1.0927% | 3,051 |
| Return on Equity (ROE) | 7.2445% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.3979% | 3,034 |
| Net charge-offs to loans | -0.0145% | 7,892 |
| Credit loss provision to net charge-offs | -600.0000% | 7,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7318% | 3,113 |
| Assets per employee ($millions) | 2.4570% | 7,284 |
| Cash dividends to net income (ytd only)* | 53.0973% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 4,379 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 7,223 |
| Noncurrent loans to loans | 0.0871% | 7,161 |
| Net loans and leases to total assets | 55.3602% | 6,511 |
| Net loans and leases to deposits | 64.1664% | 6,780 |
| Net loans and leases to core deposits | 85.3753% | 6,178 |
| Total domestic deposits to total assets | 86.2759% | 2,271 |
| Equity capital to assets | 12.8287% | 1,860 |
| Core capital (leverage) ratio | 12.8438% | 1,599 |
| Tier 1 risk-based capital ratio | 22.2779% | 1,282 |
| Total risk-based capital ratio | 23.4814% | 1,255 |
| Memoranda: | ||
| Average total assets | $11,439,600 | 8,224 |
| Average earning assets | $10,698,200 | 8,205 |
| Average equity | $1,559,800 | 8,205 |
| Average total loans | $6,895,800 | 8,085 |