Home > The First National Bank of Assumption > Performance and Condition Ratios
The First National Bank of Assumption, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 4,268 |
| Cost of funding earning assets | 0.2194% | 4,436 |
| Net interest margin | 3.4930% | 2,200 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.1085% | 3,388 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0106% | 2,184 |
| Return on assets (ROA) | 1.0106% | 2,168 |
| Pretax return on assets | 1.2851% | 1,910 |
| Return on Equity (ROE) | 13.2900% | 1,649 |
| Retained earnings to average equity (ytd only) | 7.3851% | 1,761 |
| Net charge-offs to loans | 0.1209% | 805 |
| Credit loss provision to net charge-offs | 142.8571% | 1,510 |
| Earnings coverage of net charge-offs (x) | 45.5714% | 1,349 |
| Efficiency ratio | 61.3801% | 2,929 |
| Assets per employee ($millions) | 7.6133% | 1,652 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 703 |
| Loan loss allowance to noncurrent loans | 331.0345% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,691 |
| Noncurrent loans to loans | 0.5063% | 1,517 |
| Net loans and leases to total assets | 24.6600% | 4,373 |
| Net loans and leases to deposits | 26.9887% | 4,386 |
| Net loans and leases to core deposits | 26.9887% | 4,423 |
| Total domestic deposits to total assets | 91.3700% | 418 |
| Equity capital to assets | 8.5858% | 2,987 |
| Core capital (leverage) ratio | 10.1723% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $24,045,000 | 4,505 |
| Average earning assets | $22,788,400 | 4,467 |
| Average equity | $1,828,000 | 4,496 |
| Average total loans | $5,787,600 | 4,455 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 4,226 |
| Cost of funding earning assets | 0.1964% | 4,444 |
| Net interest margin | 3.4890% | 2,237 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.9277% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2979% | 1,554 |
| Return on assets (ROA) | 1.2979% | 1,535 |
| Pretax return on assets | 1.4458% | 1,684 |
| Return on Equity (ROE) | 17.6100% | 994 |
| Retained earnings to average equity (ytd only) | 9.5833% | 1,522 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.1429% | 3,297 |
| Assets per employee ($millions) | 6.3115% | 2,486 |
| Cash dividends to net income (ytd only)* | 45.5696% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 917 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 2,866 |
| Noncurrent loans to loans | 0.4600% | 1,672 |
| Net loans and leases to total assets | 22.8800% | 4,407 |
| Net loans and leases to deposits | 24.6775% | 4,425 |
| Net loans and leases to core deposits | 24.6775% | 4,425 |
| Total domestic deposits to total assets | 92.7300% | 346 |
| Equity capital to assets | 7.1180% | 3,558 |
| Core capital (leverage) ratio | 10.3715% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $24,346,250 | 4,532 |
| Average earning assets | $23,081,250 | 4,493 |
| Average equity | $1,794,750 | 4,522 |
| Average total loans | $5,802,500 | 4,481 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 4,215 |
| Cost of funding earning assets | 0.1922% | 4,438 |
| Net interest margin | 3.4424% | 2,412 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.9296% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2809% | 1,619 |
| Return on assets (ROA) | 1.2809% | 1,606 |
| Pretax return on assets | 1.4306% | 1,744 |
| Return on Equity (ROE) | 17.1700% | 1,073 |
| Retained earnings to average equity (ytd only) | 11.1483% | 1,159 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.4257% | 3,264 |
| Assets per employee ($millions) | 6.3455% | 2,433 |
| Cash dividends to net income (ytd only)* | 35.0649% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 841 |
| Loan loss allowance to noncurrent loans | 155.0000% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,007 |
| Noncurrent loans to loans | 1.0640% | 689 |
| Net loans and leases to total assets | 21.8500% | 4,439 |
| Net loans and leases to deposits | 23.5960% | 4,457 |
| Net loans and leases to core deposits | 23.5960% | 4,454 |
| Total domestic deposits to total assets | 92.6000% | 310 |
| Equity capital to assets | 7.3004% | 3,634 |
| Core capital (leverage) ratio | 10.1861% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $24,046,333 | 4,559 |
| Average earning assets | $22,891,000 | 4,522 |
| Average equity | $1,794,000 | 4,554 |
| Average total loans | $5,780,000 | 4,513 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 4,196 |
| Cost of funding earning assets | 0.1981% | 4,384 |
| Net interest margin | 3.3672% | 2,717 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.8821% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2319% | 1,847 |
| Return on assets (ROA) | 1.2319% | 1,816 |
| Pretax return on assets | 1.3859% | 1,917 |
| Return on Equity (ROE) | 16.3200% | 1,293 |
| Retained earnings to average equity (ytd only) | 4.0805% | 3,254 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.5916% | 3,234 |
| Assets per employee ($millions) | 6.0725% | 2,699 |
| Cash dividends to net income (ytd only)* | 75.0000% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 1,003 |
| Loan loss allowance to noncurrent loans | 206.6667% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,222 |
| Noncurrent loans to loans | 0.7745% | 993 |
| Net loans and leases to total assets | 23.5400% | 4,485 |
| Net loans and leases to deposits | 25.4961% | 4,501 |
| Net loans and leases to core deposits | 25.4961% | 4,499 |
| Total domestic deposits to total assets | 92.3100% | 441 |
| Equity capital to assets | 7.5175% | 3,551 |
| Core capital (leverage) ratio | 9.8920% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $23,378,500 | 4,620 |
| Average earning assets | $22,214,000 | 4,589 |
| Average equity | $1,764,500 | 4,623 |
| Average total loans | $5,850,500 | 4,577 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7621% | 4,359 |
| Cost of funding earning assets | 0.1827% | 3,888 |
| Net interest margin | 2.5794% | 4,200 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.9449% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5959% | 3,895 |
| Return on assets (ROA) | 0.5959% | 3,854 |
| Pretax return on assets | 0.7366% | 3,776 |
| Return on Equity (ROE) | 7.6300% | 3,479 |
| Retained earnings to average equity (ytd only) | 4.7710% | 3,148 |
| Net charge-offs to loans | -0.0179% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5309% | 1,383 |
| Assets per employee ($millions) | 5.6168% | 3,108 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,015 |
| Loan loss allowance to noncurrent loans | 202.1739% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,143 |
| Noncurrent loans to loans | 0.7809% | 953 |
| Net loans and leases to total assets | 25.8100% | 4,481 |
| Net loans and leases to deposits | 27.9516% | 4,502 |
| Net loans and leases to core deposits | 27.9516% | 4,508 |
| Total domestic deposits to total assets | 92.3300% | 554 |
| Equity capital to assets | 7.5800% | 3,339 |
| Core capital (leverage) ratio | 10.5373% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $24,165,200 | 4,652 |
| Average earning assets | $22,990,000 | 4,618 |
| Average equity | $1,886,400 | 4,682 |
| Average total loans | $5,595,400 | 4,616 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5939% | 4,398 |
| Cost of funding earning assets | 0.1820% | 3,494 |
| Net interest margin | 2.4118% | 4,311 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.8164% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5585% | 3,948 |
| Return on assets (ROA) | 0.5585% | 3,894 |
| Pretax return on assets | 0.6669% | 3,863 |
| Return on Equity (ROE) | 7.1100% | 3,570 |
| Retained earnings to average equity (ytd only) | 3.3811% | 3,676 |
| Net charge-offs to loans | -0.0241% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.1441% | 1,370 |
| Assets per employee ($millions) | 6.0385% | 2,729 |
| Cash dividends to net income (ytd only)* | 52.4272% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,069 |
| Loan loss allowance to noncurrent loans | 157.6271% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 2,004 |
| Noncurrent loans to loans | 1.0115% | 757 |
| Net loans and leases to total assets | 23.7600% | 4,550 |
| Net loans and leases to deposits | 25.5440% | 4,570 |
| Net loans and leases to core deposits | 25.5440% | 4,566 |
| Total domestic deposits to total assets | 93.0300% | 574 |
| Equity capital to assets | 6.8684% | 3,580 |
| Core capital (leverage) ratio | 9.7122% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $24,589,750 | 4,682 |
| Average earning assets | $23,439,250 | 4,647 |
| Average equity | $1,932,250 | 4,720 |
| Average total loans | $5,521,500 | 4,653 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3673% | 4,478 |
| Cost of funding earning assets | 0.1775% | 3,208 |
| Net interest margin | 2.1897% | 4,445 |
| Noninterest income to average assets | 0.2183% | 3,886 |
| Noninterest expense to average assets | 1.7142% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4851% | 3,935 |
| Return on assets (ROA) | 0.4851% | 3,887 |
| Pretax return on assets | 0.5983% | 3,819 |
| Return on Equity (ROE) | 5.9308% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.2619% | 3,367 |
| Net charge-offs to loans | -0.0369% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1259% | 1,494 |
| Assets per employee ($millions) | 8.3033% | 1,154 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 1,095 |
| Loan loss allowance to noncurrent loans | 136.7647% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 1,947 |
| Noncurrent loans to loans | 1.1890% | 673 |
| Net loans and leases to total assets | 22.5853% | 4,620 |
| Net loans and leases to deposits | 24.4025% | 4,634 |
| Net loans and leases to core deposits | 24.4025% | 4,640 |
| Total domestic deposits to total assets | 92.5532% | 635 |
| Equity capital to assets | 7.2662% | 3,615 |
| Core capital (leverage) ratio | 9.5439% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,735,000 | 4,717 |
| Average earning assets | $23,656,000 | 4,695 |
| Average equity | $2,023,333 | 4,745 |
| Average total loans | $5,417,667 | 4,718 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2672% | 4,479 |
| Cost of funding earning assets | 0.1861% | 2,999 |
| Net interest margin | 2.0810% | 4,461 |
| Noninterest income to average assets | 0.3895% | 2,759 |
| Noninterest expense to average assets | 1.6878% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6978% | 3,065 |
| Return on assets (ROA) | 0.6978% | 3,055 |
| Pretax return on assets | 0.6978% | 3,399 |
| Return on Equity (ROE) | 8.0751% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.0047% | 3,259 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7483% | 2,127 |
| Assets per employee ($millions) | 8.5837% | 1,067 |
| Cash dividends to net income (ytd only)* | 62.7907% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 1,073 |
| Loan loss allowance to noncurrent loans | 153.3333% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,248 |
| Noncurrent loans to loans | 1.1009% | 813 |
| Net loans and leases to total assets | 20.8070% | 4,657 |
| Net loans and leases to deposits | 22.5885% | 4,674 |
| Net loans and leases to core deposits | 22.5885% | 4,679 |
| Total domestic deposits to total assets | 92.1129% | 533 |
| Equity capital to assets | 7.7745% | 3,749 |
| Core capital (leverage) ratio | 8.8556% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,647,500 | 4,742 |
| Average earning assets | $23,642,000 | 4,717 |
| Average equity | $2,130,000 | 4,762 |
| Average total loans | $5,267,000 | 4,747 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5944% | 4,416 |
| Cost of funding earning assets | 0.1979% | 3,489 |
| Net interest margin | 2.3965% | 4,324 |
| Noninterest income to average assets | 0.2107% | 4,109 |
| Noninterest expense to average assets | 2.0016% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4551% | 4,176 |
| Return on assets (ROA) | 0.4551% | 4,220 |
| Pretax return on assets | 0.5057% | 4,251 |
| Return on Equity (ROE) | 4.7398% | 4,054 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,488 |
| Net charge-offs to loans | -0.0181% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8319% | 814 |
| Assets per employee ($millions) | 7.8480% | 1,420 |
| Cash dividends to net income (ytd only)* | 100.0000% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 848 |
| Loan loss allowance to noncurrent loans | 141.5385% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 2,168 |
| Noncurrent loans to loans | 1.2785% | 747 |
| Net loans and leases to total assets | 21.2029% | 4,709 |
| Net loans and leases to deposits | 23.4896% | 4,715 |
| Net loans and leases to core deposits | 23.4896% | 4,716 |
| Total domestic deposits to total assets | 90.2650% | 835 |
| Equity capital to assets | 9.5906% | 3,053 |
| Core capital (leverage) ratio | 9.6136% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,730,800 | 4,783 |
| Average earning assets | $22,741,200 | 4,766 |
| Average equity | $2,278,600 | 4,797 |
| Average total loans | $5,510,000 | 4,787 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6759% | 4,433 |
| Cost of funding earning assets | 0.1986% | 3,616 |
| Net interest margin | 2.4772% | 4,317 |
| Noninterest income to average assets | 0.1121% | 4,618 |
| Noninterest expense to average assets | 1.9233% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5663% | 4,069 |
| Return on assets (ROA) | 0.5663% | 4,113 |
| Pretax return on assets | 0.5663% | 4,276 |
| Return on Equity (ROE) | 5.8966% | 3,936 |
| Retained earnings to average equity (ytd only) | -0.4087% | 4,605 |
| Net charge-offs to loans | -0.0237% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2523% | 939 |
| Assets per employee ($millions) | 5.8030% | 2,887 |
| Cash dividends to net income (ytd only)* | 106.9307% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 1,198 |
| Loan loss allowance to noncurrent loans | 119.4805% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 2,122 |
| Noncurrent loans to loans | 1.3894% | 767 |
| Net loans and leases to total assets | 23.4792% | 4,750 |
| Net loans and leases to deposits | 26.1115% | 4,766 |
| Net loans and leases to core deposits | 26.1115% | 4,776 |
| Total domestic deposits to total assets | 89.9190% | 806 |
| Equity capital to assets | 9.8613% | 3,039 |
| Core capital (leverage) ratio | 9.2339% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,777,500 | 4,856 |
| Average earning assets | $22,820,500 | 4,836 |
| Average equity | $2,283,750 | 4,870 |
| Average total loans | $5,616,500 | 4,857 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7527% | 4,407 |
| Cost of funding earning assets | 0.1910% | 3,839 |
| Net interest margin | 2.5617% | 4,231 |
| Noninterest income to average assets | 0.1252% | 4,580 |
| Noninterest expense to average assets | 1.8860% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7010% | 3,762 |
| Return on assets (ROA) | 0.7010% | 3,827 |
| Pretax return on assets | 0.7010% | 4,062 |
| Return on Equity (ROE) | 7.3620% | 3,564 |
| Retained earnings to average equity (ytd only) | 2.6293% | 3,964 |
| Net charge-offs to loans | -0.0355% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9032% | 1,341 |
| Assets per employee ($millions) | 6.1290% | 2,493 |
| Cash dividends to net income (ytd only)* | 64.2857% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 1,161 |
| Loan loss allowance to noncurrent loans | 119.4805% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 2,346 |
| Noncurrent loans to loans | 1.3846% | 843 |
| Net loans and leases to total assets | 22.3079% | 4,802 |
| Net loans and leases to deposits | 24.6640% | 4,825 |
| Net loans and leases to core deposits | 24.6640% | 4,832 |
| Total domestic deposits to total assets | 90.4471% | 579 |
| Equity capital to assets | 9.4224% | 3,408 |
| Core capital (leverage) ratio | 9.5087% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,966,000 | 4,891 |
| Average earning assets | $23,031,667 | 4,868 |
| Average equity | $2,282,000 | 4,906 |
| Average total loans | $5,641,333 | 4,895 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6194% | 4,557 |
| Cost of funding earning assets | 0.1934% | 3,971 |
| Net interest margin | 2.4260% | 4,388 |
| Noninterest income to average assets | 0.1688% | 4,353 |
| Noninterest expense to average assets | 1.9248% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5741% | 4,008 |
| Return on assets (ROA) | 0.5741% | 4,060 |
| Pretax return on assets | 0.5741% | 4,230 |
| Return on Equity (ROE) | 5.9965% | 3,862 |
| Retained earnings to average equity (ytd only) | -3.5273% | 4,628 |
| Net charge-offs to loans | -0.0704% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0270% | 1,037 |
| Assets per employee ($millions) | 5.9718% | 2,626 |
| Cash dividends to net income (ytd only)* | 158.8235% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 1,103 |
| Loan loss allowance to noncurrent loans | 161.4035% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,945 |
| Noncurrent loans to loans | 1.0375% | 1,293 |
| Net loans and leases to total assets | 22.6148% | 4,830 |
| Net loans and leases to deposits | 25.0046% | 4,844 |
| Net loans and leases to core deposits | 25.0046% | 4,852 |
| Total domestic deposits to total assets | 90.4425% | 608 |
| Equity capital to assets | 9.3900% | 3,298 |
| Core capital (leverage) ratio | 9.3511% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,691,000 | 4,917 |
| Average earning assets | $22,753,500 | 4,893 |
| Average equity | $2,268,000 | 4,933 |
| Average total loans | $5,681,500 | 4,921 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1118% | 4,557 |
| Cost of funding earning assets | 0.2106% | 4,547 |
| Net interest margin | 2.9012% | 4,105 |
| Noninterest income to average assets | 0.2408% | 4,058 |
| Noninterest expense to average assets | 2.2918% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7312% | 3,327 |
| Return on assets (ROA) | 0.7134% | 3,523 |
| Pretax return on assets | 0.6956% | 3,890 |
| Return on Equity (ROE) | 7.0703% | 3,184 |
| Retained earnings to average equity (ytd only) | 2.2978% | 3,705 |
| Net charge-offs to loans | 0.0309% | 2,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 896 |
| Efficiency ratio | 76.2611% | 1,192 |
| Assets per employee ($millions) | 5.8738% | 2,470 |
| Cash dividends to net income (ytd only)* | 67.5000% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 1,427 |
| Loan loss allowance to noncurrent loans | 126.3889% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 2,772 |
| Noncurrent loans to loans | 1.2268% | 1,138 |
| Net loans and leases to total assets | 24.5925% | 4,846 |
| Net loans and leases to deposits | 27.2830% | 4,866 |
| Net loans and leases to core deposits | 27.2830% | 4,875 |
| Total domestic deposits to total assets | 90.1383% | 511 |
| Equity capital to assets | 9.7595% | 3,360 |
| Core capital (leverage) ratio | 9.8279% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,428,000 | 4,939 |
| Average earning assets | $21,370,200 | 4,915 |
| Average equity | $2,263,000 | 4,953 |
| Average total loans | $6,480,600 | 4,941 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2991% | 4,470 |
| Cost of funding earning assets | 0.2216% | 4,600 |
| Net interest margin | 3.0774% | 3,792 |
| Noninterest income to average assets | 0.1504% | 4,549 |
| Noninterest expense to average assets | 2.1057% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9193% | 2,626 |
| Return on assets (ROA) | 0.8964% | 2,840 |
| Pretax return on assets | 0.9446% | 3,248 |
| Return on Equity (ROE) | 8.8079% | 2,473 |
| Retained earnings to average equity (ytd only) | 2.4236% | 3,776 |
| Net charge-offs to loans | 0.0402% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 920 |
| Efficiency ratio | 68.4932% | 2,116 |
| Assets per employee ($millions) | 6.0200% | 2,246 |
| Cash dividends to net income (ytd only)* | 72.4832% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,331 |
| Loan loss allowance to noncurrent loans | 156.8966% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,234 |
| Noncurrent loans to loans | 0.8054% | 1,810 |
| Net loans and leases to total assets | 29.5266% | 4,836 |
| Net loans and leases to deposits | 32.7122% | 4,870 |
| Net loans and leases to core deposits | 32.7122% | 4,884 |
| Total domestic deposits to total assets | 90.2616% | 343 |
| Equity capital to assets | 9.5017% | 3,682 |
| Core capital (leverage) ratio | 9.8067% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,161,250 | 4,970 |
| Average earning assets | $21,056,000 | 4,948 |
| Average equity | $2,255,500 | 4,981 |
| Average total loans | $6,633,500 | 4,971 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6199% | 4,229 |
| Cost of funding earning assets | 0.2256% | 4,697 |
| Net interest margin | 3.3943% | 3,122 |
| Noninterest income to average assets | 0.2044% | 4,256 |
| Noninterest expense to average assets | 2.2489% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1332% | 1,865 |
| Return on assets (ROA) | 1.1152% | 2,035 |
| Pretax return on assets | 1.1523% | 2,539 |
| Return on Equity (ROE) | 10.6920% | 1,744 |
| Retained earnings to average equity (ytd only) | 5.8806% | 2,132 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7609% | 2,559 |
| Assets per employee ($millions) | 5.8103% | 2,364 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,079 |
| Loan loss allowance to noncurrent loans | 147.6190% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 3,235 |
| Noncurrent loans to loans | 0.8704% | 1,753 |
| Net loans and leases to total assets | 30.7431% | 4,842 |
| Net loans and leases to deposits | 34.2292% | 4,881 |
| Net loans and leases to core deposits | 34.2292% | 4,898 |
| Total domestic deposits to total assets | 89.8154% | 452 |
| Equity capital to assets | 9.9608% | 3,246 |
| Core capital (leverage) ratio | 10.3759% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,521,667 | 5,002 |
| Average earning assets | $20,387,333 | 4,982 |
| Average equity | $2,244,667 | 5,013 |
| Average total loans | $6,444,333 | 5,007 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 4,776 |
| Cost of funding earning assets | 0.2480% | 4,777 |
| Net interest margin | 3.1002% | 4,093 |
| Noninterest income to average assets | 0.4259% | 2,931 |
| Noninterest expense to average assets | 2.3425% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9873% | 2,222 |
| Return on assets (ROA) | 0.9873% | 2,320 |
| Pretax return on assets | 0.9873% | 2,876 |
| Return on Equity (ROE) | 9.2329% | 2,015 |
| Retained earnings to average equity (ytd only) | -0.5431% | 4,080 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3488% | 2,300 |
| Assets per employee ($millions) | 5.0188% | 2,626 |
| Cash dividends to net income (ytd only)* | 105.8824% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 3,952 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 29.0511% | 4,921 |
| Net loans and leases to deposits | 32.7163% | 4,947 |
| Net loans and leases to core deposits | 32.7163% | 4,957 |
| Total domestic deposits to total assets | 88.7970% | 758 |
| Equity capital to assets | 10.9888% | 2,864 |
| Core capital (leverage) ratio | 10.6070% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,662,000 | 5,051 |
| Average earning assets | $19,353,500 | 5,037 |
| Average equity | $2,209,500 | 5,059 |
| Average total loans | $6,047,500 | 5,054 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3988% | 4,917 |
| Cost of funding earning assets | 0.2739% | 4,790 |
| Net interest margin | 3.1248% | 4,332 |
| Noninterest income to average assets | 0.1196% | 4,859 |
| Noninterest expense to average assets | 2.3874% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5981% | 4,166 |
| Return on assets (ROA) | 0.5981% | 4,224 |
| Pretax return on assets | 0.6794% | 4,258 |
| Return on Equity (ROE) | 5.7387% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.7805% | 4,465 |
| Net charge-offs to loans | 0.0160% | 3,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 516 |
| Efficiency ratio | 77.8471% | 1,169 |
| Assets per employee ($millions) | 5.3123% | 2,234 |
| Cash dividends to net income (ytd only)* | 86.4000% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,208 |
| Loan loss allowance to noncurrent loans | 147.6190% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 3,252 |
| Noncurrent loans to loans | 1.0211% | 1,484 |
| Net loans and leases to total assets | 28.5990% | 4,987 |
| Net loans and leases to deposits | 31.9909% | 5,021 |
| Net loans and leases to core deposits | 33.7686% | 5,016 |
| Total domestic deposits to total assets | 89.3971% | 528 |
| Equity capital to assets | 10.4146% | 3,527 |
| Core capital (leverage) ratio | 10.6789% | 2,778 |
| Tier 1 risk-based capital ratio | 26.7486% | 634 |
| Total risk-based capital ratio | 27.8798% | 627 |
| Memoranda: | ||
| Average total assets | $20,901,200 | 5,108 |
| Average earning assets | $19,713,000 | 5,089 |
| Average equity | $2,178,200 | 5,122 |
| Average total loans | $6,234,600 | 5,116 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4273% | 5,004 |
| Cost of funding earning assets | 0.2704% | 4,871 |
| Net interest margin | 3.1569% | 4,394 |
| Noninterest income to average assets | 0.1089% | 4,959 |
| Noninterest expense to average assets | 2.2292% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7367% | 3,892 |
| Return on assets (ROA) | 0.7367% | 3,959 |
| Pretax return on assets | 0.8712% | 3,951 |
| Return on Equity (ROE) | 7.0675% | 3,651 |
| Retained earnings to average equity (ytd only) | 0.4301% | 4,680 |
| Net charge-offs to loans | 0.0213% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 136.3383% | 581 |
| Efficiency ratio | 71.9008% | 1,848 |
| Assets per employee ($millions) | 5.2170% | 2,321 |
| Cash dividends to net income (ytd only)* | 93.9151% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,152 |
| Loan loss allowance to noncurrent loans | 65.4930% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 1,993 |
| Noncurrent loans to loans | 2.3432% | 521 |
| Net loans and leases to total assets | 28.5940% | 5,076 |
| Net loans and leases to deposits | 32.1169% | 5,105 |
| Net loans and leases to core deposits | 33.9439% | 5,107 |
| Total domestic deposits to total assets | 89.0311% | 599 |
| Equity capital to assets | 10.6191% | 3,448 |
| Core capital (leverage) ratio | 10.4565% | 3,140 |
| Tier 1 risk-based capital ratio | 28.7100% | 524 |
| Total risk-based capital ratio | 29.9292% | 519 |
| Memoranda: | ||
| Average total assets | $20,814,250 | 5,188 |
| Average earning assets | $19,723,500 | 5,170 |
| Average equity | $2,169,500 | 5,199 |
| Average total loans | $6,250,750 | 5,195 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 5,051 |
| Cost of funding earning assets | 0.2734% | 4,891 |
| Net interest margin | 3.1697% | 4,417 |
| Noninterest income to average assets | 0.1058% | 5,014 |
| Noninterest expense to average assets | 2.2600% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7213% | 3,929 |
| Return on assets (ROA) | 0.7213% | 3,988 |
| Pretax return on assets | 0.8559% | 3,958 |
| Return on Equity (ROE) | 6.9638% | 3,694 |
| Retained earnings to average equity (ytd only) | 1.9499% | 4,130 |
| Net charge-offs to loans | 0.0317% | 2,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 751 |
| Efficiency ratio | 72.5309% | 1,838 |
| Assets per employee ($millions) | 5.0730% | 2,386 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,243 |
| Loan loss allowance to noncurrent loans | 74.4000% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 2,178 |
| Noncurrent loans to loans | 2.0302% | 691 |
| Net loans and leases to total assets | 29.8837% | 5,098 |
| Net loans and leases to deposits | 33.6515% | 5,130 |
| Net loans and leases to core deposits | 33.6515% | 5,150 |
| Total domestic deposits to total assets | 88.8035% | 743 |
| Equity capital to assets | 10.9403% | 3,135 |
| Core capital (leverage) ratio | 10.7901% | 2,795 |
| Tier 1 risk-based capital ratio | 27.1153% | 610 |
| Total risk-based capital ratio | 28.2657% | 605 |
| Memoranda: | ||
| Average total assets | $20,796,330 | 5,234 |
| Average earning assets | $19,749,330 | 5,217 |
| Average equity | $2,154,000 | 5,245 |
| Average total loans | $6,314,330 | 5,243 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 5,087 |
| Cost of funding earning assets | 0.2802% | 4,899 |
| Net interest margin | 3.1623% | 4,475 |
| Noninterest income to average assets | 0.0570% | 5,191 |
| Noninterest expense to average assets | 2.1854% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8742% | 3,334 |
| Return on assets (ROA) | 0.8742% | 3,381 |
| Pretax return on assets | 0.8742% | 3,845 |
| Return on Equity (ROE) | 8.6752% | 2,960 |
| Retained earnings to average equity (ytd only) | -1.5087% | 4,705 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 2,123 |
| Assets per employee ($millions) | 5.3515% | 2,123 |
| Cash dividends to net income (ytd only)* | 117.3913% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,244 |
| Loan loss allowance to noncurrent loans | 9,400.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,859 |
| Noncurrent loans to loans | 0.0163% | 4,713 |
| Net loans and leases to total assets | 28.2678% | 5,176 |
| Net loans and leases to deposits | 31.5353% | 5,200 |
| Net loans and leases to core deposits | 33.2692% | 5,198 |
| Total domestic deposits to total assets | 89.6384% | 585 |
| Equity capital to assets | 10.0299% | 3,799 |
| Core capital (leverage) ratio | 10.0600% | 3,535 |
| Tier 1 risk-based capital ratio | 26.3339% | 665 |
| Total risk-based capital ratio | 27.4868% | 653 |
| Memoranda: | ||
| Average total assets | $21,048,500 | 5,286 |
| Average earning assets | $19,985,500 | 5,268 |
| Average equity | $2,121,000 | 5,304 |
| Average total loans | $6,393,000 | 5,299 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 4,985 |
| Cost of funding earning assets | 0.2409% | 4,843 |
| Net interest margin | 3.1878% | 4,505 |
| Noninterest income to average assets | 0.1365% | 5,026 |
| Noninterest expense to average assets | 2.3298% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6873% | 4,175 |
| Return on assets (ROA) | 0.6873% | 4,178 |
| Pretax return on assets | 0.8384% | 4,074 |
| Return on Equity (ROE) | 6.7425% | 3,912 |
| Retained earnings to average equity (ytd only) | 1.5780% | 4,504 |
| Net charge-offs to loans | -0.0155% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5385% | 1,699 |
| Assets per employee ($millions) | 5.1728% | 2,302 |
| Cash dividends to net income (ytd only)* | 76.5957% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,580 |
| Loan loss allowance to noncurrent loans | 313.3333% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 4,104 |
| Noncurrent loans to loans | 0.4517% | 2,919 |
| Net loans and leases to total assets | 31.6418% | 5,178 |
| Net loans and leases to deposits | 35.3033% | 5,210 |
| Net loans and leases to core deposits | 37.3155% | 5,204 |
| Total domestic deposits to total assets | 89.6283% | 610 |
| Equity capital to assets | 10.1252% | 3,550 |
| Core capital (leverage) ratio | 10.1241% | 3,431 |
| Tier 1 risk-based capital ratio | 26.5395% | 642 |
| Total risk-based capital ratio | 27.7113% | 633 |
| Memoranda: | ||
| Average total assets | $20,516,400 | 5,338 |
| Average earning assets | $19,512,000 | 5,318 |
| Average equity | $2,091,200 | 5,349 |
| Average total loans | $6,470,400 | 5,341 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4223% | 5,013 |
| Cost of funding earning assets | 0.2186% | 4,949 |
| Net interest margin | 3.2037% | 4,503 |
| Noninterest income to average assets | 0.1237% | 5,122 |
| Noninterest expense to average assets | 2.1361% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9704% | 3,216 |
| Return on assets (ROA) | 0.9704% | 3,233 |
| Pretax return on assets | 1.0420% | 3,597 |
| Return on Equity (ROE) | 9.5041% | 2,846 |
| Retained earnings to average equity (ytd only) | 2.6155% | 4,363 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2131% | 2,679 |
| Assets per employee ($millions) | 5.3753% | 2,046 |
| Cash dividends to net income (ytd only)* | 72.4857% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,858 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 4,333 |
| Noncurrent loans to loans | 0.3936% | 3,244 |
| Net loans and leases to total assets | 31.4730% | 5,252 |
| Net loans and leases to deposits | 34.8958% | 5,288 |
| Net loans and leases to core deposits | 36.7932% | 5,285 |
| Total domestic deposits to total assets | 90.1912% | 442 |
| Equity capital to assets | 9.6368% | 3,965 |
| Core capital (leverage) ratio | 10.2156% | 3,386 |
| Tier 1 risk-based capital ratio | 26.8438% | 631 |
| Total risk-based capital ratio | 27.9719% | 624 |
| Memoranda: | ||
| Average total assets | $20,472,750 | 5,409 |
| Average earning assets | $19,518,500 | 5,388 |
| Average equity | $2,090,250 | 5,420 |
| Average total loans | $6,427,750 | 5,412 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4175% | 5,021 |
| Cost of funding earning assets | 0.2084% | 4,990 |
| Net interest margin | 3.2091% | 4,476 |
| Noninterest income to average assets | 0.1292% | 5,160 |
| Noninterest expense to average assets | 2.2156% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8942% | 3,480 |
| Return on assets (ROA) | 0.8942% | 3,489 |
| Pretax return on assets | 0.9737% | 3,738 |
| Return on Equity (ROE) | 8.5864% | 3,216 |
| Retained earnings to average equity (ytd only) | 3.4346% | 3,862 |
| Net charge-offs to loans | -0.0318% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4704% | 2,400 |
| Assets per employee ($millions) | 5.1863% | 2,210 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,691 |
| Loan loss allowance to noncurrent loans | 427.2727% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,459 |
| Noncurrent loans to loans | 0.3318% | 3,509 |
| Net loans and leases to total assets | 31.5112% | 5,297 |
| Net loans and leases to deposits | 35.1187% | 5,339 |
| Net loans and leases to core deposits | 35.1187% | 5,354 |
| Total domestic deposits to total assets | 89.7276% | 659 |
| Equity capital to assets | 10.1422% | 3,493 |
| Core capital (leverage) ratio | 10.6067% | 2,917 |
| Tier 1 risk-based capital ratio | 27.1854% | 597 |
| Total risk-based capital ratio | 28.3428% | 594 |
| Memoranda: | ||
| Average total assets | $20,130,000 | 5,477 |
| Average earning assets | $19,195,330 | 5,456 |
| Average equity | $2,096,330 | 5,484 |
| Average total loans | $6,283,670 | 5,477 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 5,229 |
| Cost of funding earning assets | 0.2336% | 4,806 |
| Net interest margin | 2.9730% | 4,911 |
| Noninterest income to average assets | 0.1211% | 5,251 |
| Noninterest expense to average assets | 2.2399% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6861% | 4,152 |
| Return on assets (ROA) | 0.6861% | 4,156 |
| Pretax return on assets | 0.7063% | 4,424 |
| Return on Equity (ROE) | 6.4994% | 3,983 |
| Retained earnings to average equity (ytd only) | -3.8232% | 5,129 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0274% | 1,591 |
| Assets per employee ($millions) | 4.9653% | 2,527 |
| Cash dividends to net income (ytd only)* | 158.8235% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,213 |
| Loan loss allowance to noncurrent loans | 136.7647% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 3,472 |
| Noncurrent loans to loans | 1.1539% | 1,575 |
| Net loans and leases to total assets | 29.2030% | 5,382 |
| Net loans and leases to deposits | 32.6595% | 5,413 |
| Net loans and leases to core deposits | 32.6595% | 5,429 |
| Total domestic deposits to total assets | 89.4164% | 920 |
| Equity capital to assets | 10.3721% | 3,195 |
| Core capital (leverage) ratio | 10.5268% | 2,917 |
| Tier 1 risk-based capital ratio | 28.2082% | 548 |
| Total risk-based capital ratio | 29.4272% | 546 |
| Memoranda: | ||
| Average total assets | $19,822,500 | 5,543 |
| Average earning assets | $18,836,000 | 5,524 |
| Average equity | $2,092,500 | 5,539 |
| Average total loans | $6,110,000 | 5,540 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1445% | 5,246 |
| Cost of funding earning assets | 0.2175% | 4,807 |
| Net interest margin | 2.9270% | 5,008 |
| Noninterest income to average assets | 0.1079% | 5,384 |
| Noninterest expense to average assets | 2.1531% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6991% | 3,611 |
| Return on assets (ROA) | 0.7036% | 3,644 |
| Pretax return on assets | 0.7365% | 4,424 |
| Return on Equity (ROE) | 7.0429% | 3,253 |
| Retained earnings to average equity (ytd only) | 1.9720% | 4,138 |
| Net charge-offs to loans | -0.0656% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6341% | 1,802 |
| Assets per employee ($millions) | 4.9460% | 2,543 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,511 |
| Loan loss allowance to noncurrent loans | 372.0000% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 4,495 |
| Noncurrent loans to loans | 0.3951% | 3,344 |
| Net loans and leases to total assets | 31.5103% | 5,402 |
| Net loans and leases to deposits | 35.3802% | 5,440 |
| Net loans and leases to core deposits | 35.3802% | 5,469 |
| Total domestic deposits to total assets | 89.0619% | 978 |
| Equity capital to assets | 10.7410% | 2,906 |
| Core capital (leverage) ratio | 10.4841% | 2,857 |
| Tier 1 risk-based capital ratio | 28.1858% | 531 |
| Total risk-based capital ratio | 29.3927% | 526 |
| Memoranda: | ||
| Average total assets | $21,317,800 | 5,585 |
| Average earning assets | $20,225,800 | 5,562 |
| Average equity | $2,129,800 | 5,598 |
| Average total loans | $6,098,800 | 5,605 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0713% | 5,363 |
| Cost of funding earning assets | 0.2134% | 4,861 |
| Net interest margin | 2.8579% | 5,147 |
| Noninterest income to average assets | 0.1413% | 5,301 |
| Noninterest expense to average assets | 1.9783% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8356% | 3,356 |
| Return on assets (ROA) | 0.8356% | 3,398 |
| Pretax return on assets | 0.8786% | 4,109 |
| Return on Equity (ROE) | 8.5092% | 2,873 |
| Retained earnings to average equity (ytd only) | 1.7518% | 4,723 |
| Net charge-offs to loans | -0.1104% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2473% | 2,664 |
| Assets per employee ($millions) | 5.9085% | 1,570 |
| Cash dividends to net income (ytd only)* | 79.4132% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 25.7553% | 5,572 |
| Net loans and leases to deposits | 28.4107% | 5,608 |
| Net loans and leases to core deposits | 28.4107% | 5,618 |
| Total domestic deposits to total assets | 90.6533% | 274 |
| Equity capital to assets | 9.1055% | 4,817 |
| Core capital (leverage) ratio | 9.7707% | 3,855 |
| Tier 1 risk-based capital ratio | 25.5367% | 704 |
| Total risk-based capital ratio | 26.6454% | 705 |
| Memoranda: | ||
| Average total assets | $21,701,250 | 5,648 |
| Average earning assets | $20,620,500 | 5,622 |
| Average equity | $2,131,000 | 5,661 |
| Average total loans | $6,041,750 | 5,672 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0928% | 5,354 |
| Cost of funding earning assets | 0.2095% | 4,894 |
| Net interest margin | 2.8833% | 5,124 |
| Noninterest income to average assets | 0.1045% | 5,500 |
| Noninterest expense to average assets | 1.9851% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8168% | 3,319 |
| Return on assets (ROA) | 0.8168% | 3,373 |
| Pretax return on assets | 0.8643% | 4,065 |
| Return on Equity (ROE) | 8.0979% | 2,966 |
| Retained earnings to average equity (ytd only) | 3.0132% | 3,922 |
| Net charge-offs to loans | -0.1334% | 5,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6667% | 2,733 |
| Assets per employee ($millions) | 4.9753% | 2,419 |
| Cash dividends to net income (ytd only)* | 62.7907% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,200 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 30.1492% | 5,541 |
| Net loans and leases to deposits | 33.9386% | 5,574 |
| Net loans and leases to core deposits | 33.9386% | 5,602 |
| Total domestic deposits to total assets | 88.8347% | 1,044 |
| Equity capital to assets | 10.8989% | 2,925 |
| Core capital (leverage) ratio | 10.8442% | 2,559 |
| Tier 1 risk-based capital ratio | 27.6384% | 570 |
| Total risk-based capital ratio | 28.8224% | 564 |
| Memoranda: | ||
| Average total assets | $21,057,000 | 5,702 |
| Average earning assets | $20,046,330 | 5,678 |
| Average equity | $2,124,000 | 5,710 |
| Average total loans | $5,995,330 | 5,721 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9919% | 5,464 |
| Cost of funding earning assets | 0.2151% | 4,841 |
| Net interest margin | 2.7768% | 5,290 |
| Noninterest income to average assets | 0.1664% | 5,278 |
| Noninterest expense to average assets | 2.0153% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7765% | 3,331 |
| Return on assets (ROA) | 0.7950% | 3,303 |
| Pretax return on assets | 0.7950% | 4,126 |
| Return on Equity (ROE) | 8.1846% | 2,818 |
| Retained earnings to average equity (ytd only) | -2.0937% | 5,175 |
| Net charge-offs to loans | -0.2018% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1854% | 2,539 |
| Assets per employee ($millions) | 5.3000% | 2,077 |
| Cash dividends to net income (ytd only)* | 125.5814% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 5,116 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 27.5377% | 5,639 |
| Net loans and leases to deposits | 30.6714% | 5,671 |
| Net loans and leases to core deposits | 30.6714% | 5,683 |
| Total domestic deposits to total assets | 89.7830% | 759 |
| Equity capital to assets | 9.9387% | 3,831 |
| Core capital (leverage) ratio | 9.6839% | 3,890 |
| Tier 1 risk-based capital ratio | 26.2515% | 669 |
| Total risk-based capital ratio | 27.3859% | 669 |
| Memoranda: | ||
| Average total assets | $21,635,000 | 5,766 |
| Average earning assets | $20,455,000 | 5,741 |
| Average equity | $2,101,500 | 5,777 |
| Average total loans | $5,946,500 | 5,788 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 5,513 |
| Cost of funding earning assets | 0.2171% | 4,867 |
| Net interest margin | 2.7657% | 5,336 |
| Noninterest income to average assets | 0.2302% | 5,032 |
| Noninterest expense to average assets | 2.3247% | 4,501 |
| Loan and lease loss provision to assets | -0.1129% | 5,701 |
| Net operating income to assets | 0.6184% | 4,135 |
| Return on assets (ROA) | 0.6184% | 4,251 |
| Pretax return on assets | 0.6636% | 4,610 |
| Return on Equity (ROE) | 6.3315% | 3,825 |
| Retained earnings to average equity (ytd only) | 1.3402% | 4,739 |
| Net charge-offs to loans | -0.7307% | 5,853 |
| Credit loss provision to net charge-offs | 55.5556% | 3,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8477% | 1,320 |
| Assets per employee ($millions) | 4.4140% | 3,248 |
| Cash dividends to net income (ytd only)* | 78.8321% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 1,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 5,160 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 26.6153% | 5,718 |
| Net loans and leases to deposits | 29.4776% | 5,742 |
| Net loans and leases to core deposits | 29.4776% | 5,757 |
| Total domestic deposits to total assets | 90.2900% | 522 |
| Equity capital to assets | 9.4971% | 4,274 |
| Core capital (leverage) ratio | 8.7930% | 4,975 |
| Tier 1 risk-based capital ratio | 24.2985% | 843 |
| Total risk-based capital ratio | 25.3890% | 829 |
| Memoranda: | ||
| Average total assets | $22,153,000 | 5,817 |
| Average earning assets | $21,188,000 | 5,782 |
| Average equity | $2,163,800 | 5,831 |
| Average total loans | $6,158,600 | 5,843 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 5,603 |
| Cost of funding earning assets | 0.2128% | 4,946 |
| Net interest margin | 2.7419% | 5,444 |
| Noninterest income to average assets | 0.1624% | 5,458 |
| Noninterest expense to average assets | 2.1767% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6374% | 4,129 |
| Return on assets (ROA) | 0.6374% | 4,257 |
| Pretax return on assets | 0.6193% | 4,828 |
| Return on Equity (ROE) | 6.4808% | 3,846 |
| Retained earnings to average equity (ytd only) | -0.1224% | 5,376 |
| Net charge-offs to loans | -0.0859% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8495% | 1,706 |
| Assets per employee ($millions) | 5.7845% | 1,591 |
| Cash dividends to net income (ytd only)* | 101.8892% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,287 |
| Loan loss allowance to noncurrent loans | 107.3529% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 4,249 |
| Noncurrent loans to loans | 1.1106% | 2,030 |
| Net loans and leases to total assets | 26.1475% | 5,794 |
| Net loans and leases to deposits | 28.9959% | 5,824 |
| Net loans and leases to core deposits | 28.9959% | 5,837 |
| Total domestic deposits to total assets | 90.1763% | 413 |
| Equity capital to assets | 9.5082% | 4,654 |
| Core capital (leverage) ratio | 9.0781% | 4,747 |
| Tier 1 risk-based capital ratio | 23.3673% | 963 |
| Total risk-based capital ratio | 24.2232% | 992 |
| Memoranda: | ||
| Average total assets | $22,173,750 | 5,878 |
| Average earning assets | $21,298,500 | 5,842 |
| Average equity | $2,180,750 | 5,891 |
| Average total loans | $6,207,500 | 5,905 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9914% | 5,660 |
| Cost of funding earning assets | 0.2191% | 4,946 |
| Net interest margin | 2.7723% | 5,477 |
| Noninterest income to average assets | 0.1739% | 5,450 |
| Noninterest expense to average assets | 2.2515% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6132% | 4,212 |
| Return on assets (ROA) | 0.6132% | 4,336 |
| Pretax return on assets | 0.5857% | 4,921 |
| Return on Equity (ROE) | 6.1628% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.1958% | 4,903 |
| Net charge-offs to loans | -0.0962% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3548% | 1,580 |
| Assets per employee ($millions) | 5.1435% | 2,150 |
| Cash dividends to net income (ytd only)* | 80.5970% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,434 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 5,219 |
| Noncurrent loans to loans | 0.2636% | 4,417 |
| Net loans and leases to total assets | 29.1533% | 5,797 |
| Net loans and leases to deposits | 32.8226% | 5,841 |
| Net loans and leases to core deposits | 32.8226% | 5,859 |
| Total domestic deposits to total assets | 88.8208% | 1,001 |
| Equity capital to assets | 10.8341% | 3,252 |
| Core capital (leverage) ratio | 9.6864% | 3,951 |
| Tier 1 risk-based capital ratio | 26.0027% | 724 |
| Total risk-based capital ratio | 26.8968% | 739 |
| Memoranda: | ||
| Average total assets | $21,852,330 | 5,954 |
| Average earning assets | $20,993,330 | 5,919 |
| Average equity | $2,174,330 | 5,965 |
| Average total loans | $6,235,670 | 5,983 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9023% | 5,785 |
| Cost of funding earning assets | 0.2033% | 5,173 |
| Net interest margin | 2.6990% | 5,621 |
| Noninterest income to average assets | 0.1778% | 5,429 |
| Noninterest expense to average assets | 2.2942% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5158% | 4,559 |
| Return on assets (ROA) | 0.5158% | 4,668 |
| Pretax return on assets | 0.4802% | 5,141 |
| Return on Equity (ROE) | 5.4029% | 4,282 |
| Retained earnings to average equity (ytd only) | -4.6577% | 5,592 |
| Net charge-offs to loans | -0.0633% | 5,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 1,292 |
| Assets per employee ($millions) | 5.4290% | 1,895 |
| Cash dividends to net income (ytd only)* | 186.2069% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,763 |
| Loan loss allowance to noncurrent loans | 437.5000% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 5,155 |
| Noncurrent loans to loans | 0.2630% | 4,495 |
| Net loans and leases to total assets | 27.6939% | 5,882 |
| Net loans and leases to deposits | 30.8474% | 5,916 |
| Net loans and leases to core deposits | 30.8474% | 5,936 |
| Total domestic deposits to total assets | 89.7771% | 691 |
| Equity capital to assets | 9.8867% | 4,230 |
| Core capital (leverage) ratio | 8.2479% | 5,611 |
| Tier 1 risk-based capital ratio | 23.0946% | 1,003 |
| Total risk-based capital ratio | 23.9428% | 1,029 |
| Memoranda: | ||
| Average total assets | $22,491,500 | 6,007 |
| Average earning assets | $21,638,000 | 5,973 |
| Average equity | $2,147,000 | 6,026 |
| Average total loans | $6,318,500 | 6,044 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0537% | 5,686 |
| Cost of funding earning assets | 0.2239% | 5,054 |
| Net interest margin | 2.8298% | 5,462 |
| Noninterest income to average assets | 0.1714% | 5,557 |
| Noninterest expense to average assets | 2.2960% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5142% | 4,640 |
| Return on assets (ROA) | 0.5142% | 4,724 |
| Pretax return on assets | 0.5548% | 4,974 |
| Return on Equity (ROE) | 5.3162% | 4,365 |
| Retained earnings to average equity (ytd only) | 0.2798% | 5,398 |
| Net charge-offs to loans | 0.0606% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,432 |
| Efficiency ratio | 80.5380% | 1,603 |
| Assets per employee ($millions) | 5.8168% | 1,518 |
| Cash dividends to net income (ytd only)* | 94.7368% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 4,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,571 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 27.8678% | 5,947 |
| Net loans and leases to deposits | 30.7838% | 5,981 |
| Net loans and leases to core deposits | 30.7838% | 5,997 |
| Total domestic deposits to total assets | 90.5274% | 428 |
| Equity capital to assets | 9.2277% | 4,867 |
| Core capital (leverage) ratio | 8.4829% | 5,452 |
| Tier 1 risk-based capital ratio | 22.1386% | 1,126 |
| Total risk-based capital ratio | 22.9252% | 1,170 |
| Memoranda: | ||
| Average total assets | $22,169,400 | 6,068 |
| Average earning assets | $20,991,000 | 6,044 |
| Average equity | $2,144,400 | 6,084 |
| Average total loans | $6,598,000 | 6,092 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0927% | 5,716 |
| Cost of funding earning assets | 0.2191% | 5,196 |
| Net interest margin | 2.8736% | 5,457 |
| Noninterest income to average assets | 0.1522% | 5,728 |
| Noninterest expense to average assets | 2.2836% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5237% | 4,705 |
| Return on assets (ROA) | 0.5237% | 4,793 |
| Pretax return on assets | 0.5846% | 5,014 |
| Return on Equity (ROE) | 5.3486% | 4,468 |
| Retained earnings to average equity (ytd only) | -1.3682% | 5,796 |
| Net charge-offs to loans | 0.1009% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.1904% | 1,957 |
| Efficiency ratio | 79.6178% | 1,717 |
| Assets per employee ($millions) | 5.7670% | 1,534 |
| Cash dividends to net income (ytd only)* | 125.5887% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,666 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 27.3192% | 6,042 |
| Net loans and leases to deposits | 30.2211% | 6,075 |
| Net loans and leases to core deposits | 30.2211% | 6,088 |
| Total domestic deposits to total assets | 90.3980% | 424 |
| Equity capital to assets | 9.2986% | 5,009 |
| Core capital (leverage) ratio | 9.5872% | 4,187 |
| Tier 1 risk-based capital ratio | 24.0213% | 945 |
| Total risk-based capital ratio | 24.8089% | 979 |
| Memoranda: | ||
| Average total assets | $21,895,000 | 6,158 |
| Average earning assets | $20,693,250 | 6,134 |
| Average equity | $2,143,750 | 6,169 |
| Average total loans | $6,609,250 | 6,178 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1158% | 5,728 |
| Cost of funding earning assets | 0.2239% | 5,207 |
| Net interest margin | 2.8919% | 5,458 |
| Noninterest income to average assets | 0.1581% | 5,762 |
| Noninterest expense to average assets | 2.3810% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4743% | 4,873 |
| Return on assets (ROA) | 0.4743% | 4,970 |
| Pretax return on assets | 0.5394% | 5,123 |
| Return on Equity (ROE) | 4.7589% | 4,726 |
| Retained earnings to average equity (ytd only) | -0.2799% | 5,559 |
| Net charge-offs to loans | 0.1794% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,432 |
| Efficiency ratio | 81.5287% | 1,554 |
| Assets per employee ($millions) | 5.1823% | 2,055 |
| Cash dividends to net income (ytd only)* | 105.8824% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 4,397 |
| Loan loss allowance to noncurrent loans | 6,700.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 5,709 |
| Noncurrent loans to loans | 0.0162% | 5,700 |
| Net loans and leases to total assets | 29.4129% | 6,055 |
| Net loans and leases to deposits | 32.9123% | 6,106 |
| Net loans and leases to core deposits | 32.9123% | 6,125 |
| Total domestic deposits to total assets | 89.3676% | 964 |
| Equity capital to assets | 10.3382% | 3,638 |
| Core capital (leverage) ratio | 9.9735% | 3,645 |
| Tier 1 risk-based capital ratio | 25.7105% | 801 |
| Total risk-based capital ratio | 26.5276% | 823 |
| Memoranda: | ||
| Average total assets | $21,504,000 | 6,235 |
| Average earning assets | $20,540,330 | 6,207 |
| Average equity | $2,143,330 | 6,241 |
| Average total loans | $6,689,000 | 6,248 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0915% | 5,790 |
| Cost of funding earning assets | 0.2290% | 5,228 |
| Net interest margin | 2.8625% | 5,524 |
| Noninterest income to average assets | 0.1644% | 5,749 |
| Noninterest expense to average assets | 2.5946% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2741% | 5,497 |
| Return on assets (ROA) | 0.2741% | 5,593 |
| Pretax return on assets | 0.3106% | 5,624 |
| Return on Equity (ROE) | 2.7992% | 5,445 |
| Retained earnings to average equity (ytd only) | -7.2778% | 6,048 |
| Net charge-offs to loans | -0.1151% | 5,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3082% | 908 |
| Assets per employee ($millions) | 5.5075% | 1,789 |
| Cash dividends to net income (ytd only)* | 360.0000% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,854 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 5,412 |
| Noncurrent loans to loans | 0.4873% | 4,118 |
| Net loans and leases to total assets | 27.6078% | 6,147 |
| Net loans and leases to deposits | 30.7001% | 6,185 |
| Net loans and leases to core deposits | 30.7001% | 6,206 |
| Total domestic deposits to total assets | 89.9274% | 775 |
| Equity capital to assets | 9.7413% | 4,443 |
| Core capital (leverage) ratio | 9.4270% | 4,385 |
| Tier 1 risk-based capital ratio | 27.0203% | 715 |
| Total risk-based capital ratio | 27.0203% | 792 |
| Memoranda: | ||
| Average total assets | $21,891,500 | 6,299 |
| Average earning assets | $20,961,000 | 6,262 |
| Average equity | $2,143,500 | 6,306 |
| Average total loans | $6,951,500 | 6,313 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 5,891 |
| Cost of funding earning assets | 0.2349% | 5,467 |
| Net interest margin | 2.9224% | 5,599 |
| Noninterest income to average assets | 0.1768% | 5,798 |
| Noninterest expense to average assets | 2.2492% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6284% | 4,243 |
| Return on assets (ROA) | 0.6407% | 4,288 |
| Pretax return on assets | 0.6893% | 4,660 |
| Return on Equity (ROE) | 7.0953% | 3,577 |
| Retained earnings to average equity (ytd only) | 1.8105% | 4,904 |
| Net charge-offs to loans | -0.0154% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8882% | 2,373 |
| Assets per employee ($millions) | 5.4383% | 1,821 |
| Cash dividends to net income (ytd only)* | 74.4828% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 5,322 |
| Loan loss allowance to noncurrent loans | 456.2500% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 5,036 |
| Noncurrent loans to loans | 0.2066% | 5,078 |
| Net loans and leases to total assets | 35.2733% | 5,984 |
| Net loans and leases to deposits | 39.2380% | 6,055 |
| Net loans and leases to core deposits | 39.2380% | 6,114 |
| Total domestic deposits to total assets | 89.8956% | 777 |
| Equity capital to assets | 9.8423% | 4,297 |
| Core capital (leverage) ratio | 9.7443% | 3,909 |
| Tier 1 risk-based capital ratio | 20.0472% | 1,597 |
| Total risk-based capital ratio | 20.7365% | 1,694 |
| Memoranda: | ||
| Average total assets | $22,630,600 | 6,378 |
| Average earning assets | $21,283,800 | 6,345 |
| Average equity | $2,043,600 | 6,396 |
| Average total loans | $6,491,200 | 6,408 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1214% | 6,003 |
| Cost of funding earning assets | 0.2305% | 5,586 |
| Net interest margin | 2.8909% | 5,719 |
| Noninterest income to average assets | 0.1575% | 5,967 |
| Noninterest expense to average assets | 2.1473% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6949% | 3,969 |
| Return on assets (ROA) | 0.7119% | 3,981 |
| Pretax return on assets | 0.7352% | 4,572 |
| Return on Equity (ROE) | 8.0555% | 3,173 |
| Retained earnings to average equity (ytd only) | 0.9246% | 5,512 |
| Net charge-offs to loans | -0.0863% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9491% | 2,670 |
| Assets per employee ($millions) | 5.5508% | 1,683 |
| Cash dividends to net income (ytd only)* | 88.5282% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 4,415 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 5,214 |
| Noncurrent loans to loans | 0.2911% | 5,037 |
| Net loans and leases to total assets | 29.0546% | 6,285 |
| Net loans and leases to deposits | 32.1409% | 6,340 |
| Net loans and leases to core deposits | 32.1409% | 6,358 |
| Total domestic deposits to total assets | 90.3977% | 572 |
| Equity capital to assets | 9.3636% | 4,960 |
| Core capital (leverage) ratio | 9.6782% | 4,117 |
| Tier 1 risk-based capital ratio | 21.1935% | 1,413 |
| Total risk-based capital ratio | 21.9608% | 1,477 |
| Memoranda: | ||
| Average total assets | $22,850,000 | 6,452 |
| Average earning assets | $21,399,750 | 6,419 |
| Average equity | $2,019,250 | 6,472 |
| Average total loans | $6,177,500 | 6,492 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0526% | 6,133 |
| Cost of funding earning assets | 0.2306% | 5,655 |
| Net interest margin | 2.8221% | 5,860 |
| Noninterest income to average assets | 0.1561% | 6,010 |
| Noninterest expense to average assets | 2.1157% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6677% | 4,006 |
| Return on assets (ROA) | 0.6677% | 4,106 |
| Pretax return on assets | 0.6937% | 4,662 |
| Return on Equity (ROE) | 7.7026% | 3,260 |
| Retained earnings to average equity (ytd only) | 2.3008% | 4,732 |
| Net charge-offs to loans | -0.0330% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3086% | 2,757 |
| Assets per employee ($millions) | 5.3985% | 1,784 |
| Cash dividends to net income (ytd only)* | 70.1299% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 4,394 |
| Loan loss allowance to noncurrent loans | 456.2500% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 5,344 |
| Noncurrent loans to loans | 0.2645% | 5,227 |
| Net loans and leases to total assets | 27.6790% | 6,374 |
| Net loans and leases to deposits | 30.7174% | 6,415 |
| Net loans and leases to core deposits | 31.5359% | 6,425 |
| Total domestic deposits to total assets | 90.1084% | 755 |
| Equity capital to assets | 9.6601% | 4,544 |
| Core capital (leverage) ratio | 8.6878% | 5,419 |
| Tier 1 risk-based capital ratio | 22.2410% | 1,226 |
| Total risk-based capital ratio | 23.0104% | 1,275 |
| Memoranda: | ||
| Average total assets | $23,065,670 | 6,513 |
| Average earning assets | $21,686,330 | 6,477 |
| Average equity | $1,999,330 | 6,534 |
| Average total loans | $6,061,000 | 6,558 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9429% | 6,292 |
| Cost of funding earning assets | 0.1794% | 6,169 |
| Net interest margin | 2.7634% | 6,009 |
| Noninterest income to average assets | 0.1344% | 6,178 |
| Noninterest expense to average assets | 2.1343% | 5,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5714% | 4,346 |
| Return on assets (ROA) | 0.5714% | 4,421 |
| Pretax return on assets | 0.5882% | 4,866 |
| Return on Equity (ROE) | 6.9530% | 3,500 |
| Retained earnings to average equity (ytd only) | -4.0900% | 6,070 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3951% | 2,428 |
| Assets per employee ($millions) | 4.9622% | 2,294 |
| Cash dividends to net income (ytd only)* | 158.8235% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,283 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 5,485 |
| Noncurrent loans to loans | 0.2821% | 5,262 |
| Net loans and leases to total assets | 22.5666% | 6,529 |
| Net loans and leases to deposits | 24.5797% | 6,568 |
| Net loans and leases to core deposits | 25.1369% | 6,566 |
| Total domestic deposits to total assets | 91.8101% | 295 |
| Equity capital to assets | 8.0166% | 6,047 |
| Core capital (leverage) ratio | 8.4293% | 5,722 |
| Tier 1 risk-based capital ratio | 20.8718% | 1,494 |
| Total risk-based capital ratio | 21.5950% | 1,598 |
| Memoranda: | ||
| Average total assets | $23,801,500 | 6,568 |
| Average earning assets | $22,291,000 | 6,540 |
| Average equity | $1,956,000 | 6,606 |
| Average total loans | $6,066,500 | 6,626 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 6,211 |
| Cost of funding earning assets | 0.3300% | 5,323 |
| Net interest margin | 2.8002% | 5,982 |
| Noninterest income to average assets | 0.2433% | 5,604 |
| Noninterest expense to average assets | 2.2769% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6014% | 4,254 |
| Return on assets (ROA) | 0.6014% | 4,371 |
| Pretax return on assets | 0.6151% | 4,824 |
| Return on Equity (ROE) | 6.4285% | 3,864 |
| Retained earnings to average equity (ytd only) | 1.1287% | 5,321 |
| Net charge-offs to loans | -0.0833% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7302% | 2,356 |
| Assets per employee ($millions) | 4.5584% | 2,808 |
| Cash dividends to net income (ytd only)* | 82.4427% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,080 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,689 |
| Noncurrent loans to loans | 0.0464% | 6,096 |
| Net loans and leases to total assets | 28.0362% | 6,524 |
| Net loans and leases to deposits | 30.6504% | 6,569 |
| Net loans and leases to core deposits | 31.4113% | 6,575 |
| Total domestic deposits to total assets | 91.4707% | 411 |
| Equity capital to assets | 8.4372% | 5,650 |
| Core capital (leverage) ratio | 9.3327% | 4,503 |
| Tier 1 risk-based capital ratio | 20.6283% | 1,505 |
| Total risk-based capital ratio | 21.3397% | 1,607 |
| Memoranda: | ||
| Average total assets | $21,784,000 | 6,681 |
| Average earning assets | $20,606,000 | 6,645 |
| Average equity | $2,037,800 | 6,679 |
| Average total loans | $5,999,000 | 6,713 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1025% | 6,316 |
| Cost of funding earning assets | 0.3317% | 5,454 |
| Net interest margin | 2.7708% | 6,060 |
| Noninterest income to average assets | 0.2353% | 5,748 |
| Noninterest expense to average assets | 2.2292% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6440% | 4,157 |
| Return on assets (ROA) | 0.6440% | 4,274 |
| Pretax return on assets | 0.6440% | 4,871 |
| Return on Equity (ROE) | 6.7099% | 3,820 |
| Retained earnings to average equity (ytd only) | -0.2579% | 5,992 |
| Net charge-offs to loans | -0.0906% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5862% | 2,471 |
| Assets per employee ($millions) | 4.3060% | 3,215 |
| Cash dividends to net income (ytd only)* | 103.8511% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 5,837 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 28.3186% | 6,585 |
| Net loans and leases to deposits | 31.1612% | 6,637 |
| Net loans and leases to core deposits | 31.9868% | 6,647 |
| Total domestic deposits to total assets | 90.8778% | 585 |
| Equity capital to assets | 8.9457% | 5,249 |
| Core capital (leverage) ratio | 9.6783% | 4,134 |
| Tier 1 risk-based capital ratio | 21.3504% | 1,432 |
| Total risk-based capital ratio | 22.0902% | 1,498 |
| Memoranda: | ||
| Average total assets | $21,532,000 | 6,756 |
| Average earning assets | $20,499,000 | 6,722 |
| Average equity | $2,066,500 | 6,762 |
| Average total loans | $5,883,250 | 6,790 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 6,369 |
| Cost of funding earning assets | 0.3304% | 5,563 |
| Net interest margin | 2.7499% | 6,095 |
| Noninterest income to average assets | 0.2229% | 5,849 |
| Noninterest expense to average assets | 2.2106% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6409% | 4,104 |
| Return on assets (ROA) | 0.6409% | 4,249 |
| Pretax return on assets | 0.6409% | 4,875 |
| Return on Equity (ROE) | 6.5300% | 3,864 |
| Retained earnings to average equity (ytd only) | 1.4196% | 5,313 |
| Net charge-offs to loans | -0.1382% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5244% | 2,538 |
| Assets per employee ($millions) | 4.0890% | 3,605 |
| Cash dividends to net income (ytd only)* | 78.2609% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 4,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 5,870 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.6275% | 6,671 |
| Net loans and leases to deposits | 29.5677% | 6,708 |
| Net loans and leases to core deposits | 30.3998% | 6,714 |
| Total domestic deposits to total assets | 90.0562% | 995 |
| Equity capital to assets | 9.7726% | 4,212 |
| Core capital (leverage) ratio | 9.5401% | 4,181 |
| Tier 1 risk-based capital ratio | 23.9784% | 1,001 |
| Total risk-based capital ratio | 24.7934% | 1,037 |
| Memoranda: | ||
| Average total assets | $21,532,670 | 6,806 |
| Average earning assets | $20,582,330 | 6,769 |
| Average equity | $2,113,330 | 6,802 |
| Average total loans | $5,788,330 | 6,839 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0009% | 6,516 |
| Cost of funding earning assets | 0.3419% | 5,624 |
| Net interest margin | 2.6591% | 6,285 |
| Noninterest income to average assets | 0.2355% | 5,770 |
| Noninterest expense to average assets | 2.1199% | 5,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6523% | 3,947 |
| Return on assets (ROA) | 0.6523% | 4,104 |
| Pretax return on assets | 0.6523% | 4,772 |
| Return on Equity (ROE) | 6.6329% | 3,700 |
| Retained earnings to average equity (ytd only) | -3.3164% | 6,213 |
| Net charge-offs to loans | -0.2025% | 6,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 2,849 |
| Assets per employee ($millions) | 4.4622% | 3,046 |
| Cash dividends to net income (ytd only)* | 150.0000% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 5,994 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 24.1764% | 6,769 |
| Net loans and leases to deposits | 26.8652% | 6,803 |
| Net loans and leases to core deposits | 27.5570% | 6,807 |
| Total domestic deposits to total assets | 89.9915% | 1,064 |
| Equity capital to assets | 9.6858% | 4,581 |
| Core capital (leverage) ratio | 9.1169% | 4,699 |
| Tier 1 risk-based capital ratio | 25.3519% | 853 |
| Total risk-based capital ratio | 26.1942% | 886 |
| Memoranda: | ||
| Average total assets | $22,076,500 | 6,874 |
| Average earning assets | $21,060,000 | 6,828 |
| Average equity | $2,171,000 | 6,858 |
| Average total loans | $5,925,000 | 6,911 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 6,272 |
| Cost of funding earning assets | 0.3800% | 6,054 |
| Net interest margin | 3.1875% | 5,599 |
| Noninterest income to average assets | 0.1899% | 6,046 |
| Noninterest expense to average assets | 2.4740% | 5,178 |
| Loan and lease loss provision to assets | 0.0600% | 5,027 |
| Net operating income to assets | 0.6063% | 4,209 |
| Return on assets (ROA) | 0.6197% | 4,408 |
| Pretax return on assets | 0.6897% | 4,700 |
| Return on Equity (ROE) | 5.7190% | 4,288 |
| Retained earnings to average equity (ytd only) | 0.7379% | 5,497 |
| Net charge-offs to loans | 0.2160% | 3,665 |
| Credit loss provision to net charge-offs | 92.3077% | 3,378 |
| Earnings coverage of net charge-offs (x) | 11.3077% | 2,045 |
| Efficiency ratio | 77.1028% | 2,577 |
| Assets per employee ($millions) | 4.3684% | 3,213 |
| Cash dividends to net income (ytd only)* | 87.0968% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 6,070 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 28.9305% | 6,736 |
| Net loans and leases to deposits | 32.2513% | 6,783 |
| Net loans and leases to core deposits | 33.1011% | 6,786 |
| Total domestic deposits to total assets | 89.7033% | 1,126 |
| Equity capital to assets | 9.9853% | 4,189 |
| Core capital (leverage) ratio | 9.6810% | 3,840 |
| Tier 1 risk-based capital ratio | 23.4572% | 1,042 |
| Total risk-based capital ratio | 24.1982% | 1,104 |
| Memoranda: | ||
| Average total assets | $20,008,200 | 6,957 |
| Average earning assets | $18,949,200 | 6,926 |
| Average equity | $2,168,200 | 6,932 |
| Average total loans | $6,018,200 | 6,977 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 6,238 |
| Cost of funding earning assets | 0.3819% | 6,216 |
| Net interest margin | 3.3078% | 5,363 |
| Noninterest income to average assets | 0.1569% | 6,366 |
| Noninterest expense to average assets | 2.4961% | 5,099 |
| Loan and lease loss provision to assets | 0.0818% | 4,605 |
| Net operating income to assets | 0.5977% | 4,410 |
| Return on assets (ROA) | 0.6206% | 4,549 |
| Pretax return on assets | 0.7366% | 4,718 |
| Return on Equity (ROE) | 5.6042% | 4,531 |
| Retained earnings to average equity (ytd only) | -1.0471% | 6,284 |
| Net charge-offs to loans | 0.2700% | 3,107 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 9.6663% | 2,288 |
| Efficiency ratio | 75.9336% | 2,691 |
| Assets per employee ($millions) | 4.3146% | 3,243 |
| Cash dividends to net income (ytd only)* | 118.6846% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,595 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 6,205 |
| Noncurrent loans to loans | 0.0166% | 6,606 |
| Net loans and leases to total assets | 27.5993% | 6,889 |
| Net loans and leases to deposits | 30.7939% | 6,937 |
| Net loans and leases to core deposits | 31.6164% | 6,942 |
| Total domestic deposits to total assets | 89.6259% | 1,057 |
| Equity capital to assets | 10.0450% | 4,430 |
| Core capital (leverage) ratio | 10.2489% | 3,225 |
| Tier 1 risk-based capital ratio | 24.1697% | 1,001 |
| Total risk-based capital ratio | 24.9539% | 1,042 |
| Memoranda: | ||
| Average total assets | $19,549,750 | 7,055 |
| Average earning assets | $18,501,000 | 7,020 |
| Average equity | $2,165,000 | 7,021 |
| Average total loans | $5,926,250 | 7,073 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 5,919 |
| Cost of funding earning assets | 0.4046% | 6,239 |
| Net interest margin | 3.4957% | 4,685 |
| Noninterest income to average assets | 0.1589% | 6,395 |
| Noninterest expense to average assets | 2.5430% | 4,985 |
| Loan and lease loss provision to assets | 0.0530% | 5,004 |
| Net operating income to assets | 0.7311% | 3,702 |
| Return on assets (ROA) | 0.7311% | 3,971 |
| Pretax return on assets | 0.8583% | 4,241 |
| Return on Equity (ROE) | 6.3761% | 4,115 |
| Retained earnings to average equity (ytd only) | 1.3861% | 5,502 |
| Net charge-offs to loans | 0.4411% | 2,280 |
| Credit loss provision to net charge-offs | 38.4615% | 4,299 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,608 |
| Efficiency ratio | 73.6196% | 3,139 |
| Assets per employee ($millions) | 3.8640% | 4,157 |
| Cash dividends to net income (ytd only)* | 78.2609% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,188 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 28.6698% | 6,916 |
| Net loans and leases to deposits | 32.4792% | 6,951 |
| Net loans and leases to core deposits | 33.4642% | 6,965 |
| Total domestic deposits to total assets | 88.2712% | 1,973 |
| Equity capital to assets | 11.3716% | 2,715 |
| Core capital (leverage) ratio | 10.4868% | 2,819 |
| Tier 1 risk-based capital ratio | 26.3028% | 780 |
| Total risk-based capital ratio | 27.0420% | 806 |
| Memoranda: | ||
| Average total assets | $18,875,330 | 7,127 |
| Average earning assets | $17,793,330 | 7,096 |
| Average equity | $2,164,330 | 7,070 |
| Average total loans | $5,894,330 | 7,132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 5,940 |
| Cost of funding earning assets | 0.3887% | 6,463 |
| Net interest margin | 3.5440% | 4,515 |
| Noninterest income to average assets | 0.1501% | 6,492 |
| Noninterest expense to average assets | 2.7234% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7505% | 3,618 |
| Return on assets (ROA) | 0.7505% | 3,856 |
| Pretax return on assets | 0.7505% | 4,602 |
| Return on Equity (ROE) | 6.5177% | 4,028 |
| Retained earnings to average equity (ytd only) | -3.5382% | 6,449 |
| Net charge-offs to loans | -0.0662% | 6,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3951% | 2,441 |
| Assets per employee ($millions) | 3.9074% | 4,186 |
| Cash dividends to net income (ytd only)* | 154.2857% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,461 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 6,013 |
| Noncurrent loans to loans | 0.4015% | 5,868 |
| Net loans and leases to total assets | 28.9707% | 6,945 |
| Net loans and leases to deposits | 32.6488% | 6,993 |
| Net loans and leases to core deposits | 33.6224% | 7,003 |
| Total domestic deposits to total assets | 88.7342% | 1,863 |
| Equity capital to assets | 10.9331% | 2,990 |
| Core capital (leverage) ratio | 10.9172% | 2,326 |
| Tier 1 risk-based capital ratio | 25.4833% | 855 |
| Total risk-based capital ratio | 26.3222% | 887 |
| Memoranda: | ||
| Average total assets | $18,653,000 | 7,188 |
| Average earning assets | $17,494,500 | 7,160 |
| Average equity | $2,148,000 | 7,126 |
| Average total loans | $6,042,000 | 7,191 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 5,985 |
| Cost of funding earning assets | 0.5676% | 6,253 |
| Net interest margin | 3.6580% | 4,482 |
| Noninterest income to average assets | 0.2693% | 5,598 |
| Noninterest expense to average assets | 2.8703% | 4,078 |
| Loan and lease loss provision to assets | 0.1077% | 5,248 |
| Net operating income to assets | 0.6408% | 3,782 |
| Return on assets (ROA) | 0.6408% | 3,975 |
| Pretax return on assets | 0.7270% | 4,230 |
| Return on Equity (ROE) | 5.6217% | 4,073 |
| Retained earnings to average equity (ytd only) | 0.5197% | 5,600 |
| Net charge-offs to loans | 0.3787% | 3,518 |
| Credit loss provision to net charge-offs | 80.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,565 |
| Efficiency ratio | 77.4709% | 2,667 |
| Assets per employee ($millions) | 3.5538% | 4,881 |
| Cash dividends to net income (ytd only)* | 90.7563% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 5,928 |
| Loan loss allowance to noncurrent loans | 485.7143% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 6,141 |
| Noncurrent loans to loans | 0.2203% | 6,300 |
| Net loans and leases to total assets | 35.3818% | 6,794 |
| Net loans and leases to deposits | 40.5247% | 6,854 |
| Net loans and leases to core deposits | 40.5247% | 6,929 |
| Total domestic deposits to total assets | 87.3094% | 2,577 |
| Equity capital to assets | 12.1560% | 2,007 |
| Core capital (leverage) ratio | 10.6151% | 2,603 |
| Tier 1 risk-based capital ratio | 26.8311% | 721 |
| Total risk-based capital ratio | 27.6913% | 731 |
| Memoranda: | ||
| Average total assets | $18,569,200 | 7,231 |
| Average earning assets | $17,441,000 | 7,193 |
| Average equity | $2,116,800 | 7,193 |
| Average total loans | $6,601,400 | 7,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 6,235 |
| Cost of funding earning assets | 0.5735% | 6,415 |
| Net interest margin | 3.6144% | 4,710 |
| Noninterest income to average assets | 0.2344% | 5,945 |
| Noninterest expense to average assets | 2.7988% | 4,349 |
| Loan and lease loss provision to assets | 0.1066% | 5,109 |
| Net operating income to assets | 0.6820% | 3,702 |
| Return on assets (ROA) | 0.6820% | 3,875 |
| Pretax return on assets | 0.7317% | 4,373 |
| Return on Equity (ROE) | 6.0779% | 3,988 |
| Retained earnings to average equity (ytd only) | -0.7597% | 6,110 |
| Net charge-offs to loans | 0.4603% | 2,893 |
| Credit loss provision to net charge-offs | 65.2174% | 4,623 |
| Earnings coverage of net charge-offs (x) | 5.1298% | 2,867 |
| Efficiency ratio | 76.9531% | 2,683 |
| Assets per employee ($millions) | 4.3228% | 3,231 |
| Cash dividends to net income (ytd only)* | 112.5000% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,347 |
| Loan loss allowance to noncurrent loans | 1,625.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 6,491 |
| Noncurrent loans to loans | 0.0604% | 6,783 |
| Net loans and leases to total assets | 30.3322% | 7,078 |
| Net loans and leases to deposits | 33.7868% | 7,136 |
| Net loans and leases to core deposits | 34.6805% | 7,151 |
| Total domestic deposits to total assets | 89.7751% | 996 |
| Equity capital to assets | 9.8640% | 4,527 |
| Core capital (leverage) ratio | 10.7890% | 2,582 |
| Tier 1 risk-based capital ratio | 14.5451% | 3,943 |
| Total risk-based capital ratio | 14.9955% | 4,500 |
| Memoranda: | ||
| Average total assets | $18,769,250 | 7,302 |
| Average earning assets | $17,669,500 | 7,265 |
| Average equity | $2,106,000 | 7,269 |
| Average total loans | $6,663,000 | 7,293 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 5,681 |
| Cost of funding earning assets | 0.5951% | 6,485 |
| Net interest margin | 3.8084% | 3,740 |
| Noninterest income to average assets | 0.2132% | 6,145 |
| Noninterest expense to average assets | 3.0862% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6846% | 3,630 |
| Return on assets (ROA) | 0.6846% | 3,746 |
| Pretax return on assets | 0.7183% | 4,323 |
| Return on Equity (ROE) | 5.8169% | 4,053 |
| Retained earnings to average equity (ytd only) | 0.6675% | 5,587 |
| Net charge-offs to loans | -0.0300% | 6,920 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1209% | 2,226 |
| Assets per employee ($millions) | 3.5160% | 4,903 |
| Cash dividends to net income (ytd only)* | 88.5246% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,709 |
| Loan loss allowance to noncurrent loans | 296.0000% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 6,144 |
| Noncurrent loans to loans | 0.3927% | 6,117 |
| Net loans and leases to total assets | 35.7907% | 6,971 |
| Net loans and leases to deposits | 41.0009% | 7,031 |
| Net loans and leases to core deposits | 42.4247% | 7,059 |
| Total domestic deposits to total assets | 87.2924% | 2,574 |
| Equity capital to assets | 12.2526% | 1,933 |
| Core capital (leverage) ratio | 11.3808% | 1,990 |
| Tier 1 risk-based capital ratio | 27.8143% | 673 |
| Total risk-based capital ratio | 28.7875% | 676 |
| Memoranda: | ||
| Average total assets | $17,821,000 | 7,391 |
| Average earning assets | $16,805,000 | 7,359 |
| Average equity | $2,097,330 | 7,331 |
| Average total loans | $6,677,000 | 7,367 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 5,533 |
| Cost of funding earning assets | 0.5911% | 6,643 |
| Net interest margin | 3.8541% | 3,361 |
| Noninterest income to average assets | 0.1784% | 6,444 |
| Noninterest expense to average assets | 3.0990% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7134% | 3,460 |
| Return on assets (ROA) | 0.7134% | 3,526 |
| Pretax return on assets | 0.7134% | 4,250 |
| Return on Equity (ROE) | 6.1866% | 3,793 |
| Retained earnings to average equity (ytd only) | -4.2533% | 6,451 |
| Net charge-offs to loans | -0.0585% | 6,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2865% | 2,332 |
| Assets per employee ($millions) | 3.1418% | 5,853 |
| Cash dividends to net income (ytd only)* | 168.7500% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 6,079 |
| Loan loss allowance to noncurrent loans | 264.2857% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 5,752 |
| Noncurrent loans to loans | 0.4129% | 6,174 |
| Net loans and leases to total assets | 35.5790% | 7,020 |
| Net loans and leases to deposits | 40.0968% | 7,097 |
| Net loans and leases to core deposits | 41.3706% | 7,123 |
| Total domestic deposits to total assets | 88.7327% | 1,934 |
| Equity capital to assets | 10.8960% | 2,780 |
| Core capital (leverage) ratio | 11.0755% | 2,129 |
| Tier 1 risk-based capital ratio | 24.5158% | 928 |
| Total risk-based capital ratio | 25.3897% | 946 |
| Memoranda: | ||
| Average total assets | $17,941,500 | 7,445 |
| Average earning assets | $16,917,000 | 7,412 |
| Average equity | $2,069,000 | 7,384 |
| Average total loans | $6,832,500 | 7,420 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 6,249 |
| Cost of funding earning assets | 0.7054% | 6,870 |
| Net interest margin | 3.8450% | 3,756 |
| Noninterest income to average assets | 0.3046% | 5,619 |
| Noninterest expense to average assets | 3.0840% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8159% | 2,729 |
| Return on assets (ROA) | 0.8159% | 2,864 |
| Pretax return on assets | 0.8376% | 3,511 |
| Return on Equity (ROE) | 7.0423% | 3,102 |
| Retained earnings to average equity (ytd only) | 0.7042% | 5,209 |
| Net charge-offs to loans | -0.0453% | 7,440 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6408% | 2,588 |
| Assets per employee ($millions) | 2.8387% | 6,458 |
| Cash dividends to net income (ytd only)* | 90.0000% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 6,169 |
| Loan loss allowance to noncurrent loans | 180.0000% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 5,476 |
| Noncurrent loans to loans | 0.5811% | 5,893 |
| Net loans and leases to total assets | 39.9953% | 6,962 |
| Net loans and leases to deposits | 45.7765% | 7,053 |
| Net loans and leases to core deposits | 47.4076% | 7,100 |
| Total domestic deposits to total assets | 87.3708% | 2,628 |
| Equity capital to assets | 12.2358% | 1,772 |
| Core capital (leverage) ratio | 11.7627% | 1,699 |
| Tier 1 risk-based capital ratio | 16.8851% | 2,391 |
| Total risk-based capital ratio | 17.4640% | 2,608 |
| Memoranda: | ||
| Average total assets | $18,385,000 | 7,504 |
| Average earning assets | $17,295,000 | 7,467 |
| Average equity | $2,130,000 | 7,487 |
| Average total loans | $6,616,200 | 7,508 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 6,697 |
| Cost of funding earning assets | 0.7040% | 7,050 |
| Net interest margin | 3.7544% | 4,173 |
| Noninterest income to average assets | 0.3561% | 5,316 |
| Noninterest expense to average assets | 2.9054% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8830% | 2,684 |
| Return on assets (ROA) | 0.8830% | 2,823 |
| Pretax return on assets | 0.9827% | 3,243 |
| Return on Equity (ROE) | 7.7203% | 3,014 |
| Retained earnings to average equity (ytd only) | -0.6850% | 5,963 |
| Net charge-offs to loans | -0.0611% | 7,491 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7253% | 3,193 |
| Assets per employee ($millions) | 3.2507% | 5,579 |
| Cash dividends to net income (ytd only)* | 108.8732% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 6,265 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,245 |
| Noncurrent loans to loans | 0.0143% | 7,225 |
| Net loans and leases to total assets | 35.4440% | 7,287 |
| Net loans and leases to deposits | 40.0475% | 7,367 |
| Net loans and leases to core deposits | 40.0475% | 7,426 |
| Total domestic deposits to total assets | 88.5049% | 1,667 |
| Equity capital to assets | 11.0234% | 2,937 |
| Core capital (leverage) ratio | 11.1701% | 2,144 |
| Tier 1 risk-based capital ratio | 16.4404% | 2,582 |
| Total risk-based capital ratio | 17.0087% | 2,837 |
| Memoranda: | ||
| Average total assets | $18,723,250 | 7,594 |
| Average earning assets | $17,614,500 | 7,558 |
| Average equity | $2,141,500 | 7,580 |
| Average total loans | $6,549,250 | 7,608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 6,169 |
| Cost of funding earning assets | 0.7165% | 7,159 |
| Net interest margin | 3.9757% | 3,137 |
| Noninterest income to average assets | 0.2708% | 5,984 |
| Noninterest expense to average assets | 2.9464% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9533% | 2,352 |
| Return on assets (ROA) | 0.9533% | 2,442 |
| Pretax return on assets | 1.0508% | 2,927 |
| Return on Equity (ROE) | 8.2294% | 2,794 |
| Retained earnings to average equity (ytd only) | 1.8703% | 4,935 |
| Net charge-offs to loans | -0.0625% | 7,479 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7127% | 3,527 |
| Assets per employee ($millions) | 3.9862% | 3,798 |
| Cash dividends to net income (ytd only)* | 77.2727% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 6,034 |
| Loan loss allowance to noncurrent loans | 1,014.2857% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 6,265 |
| Noncurrent loans to loans | 0.1065% | 7,055 |
| Net loans and leases to total assets | 32.6125% | 7,466 |
| Net loans and leases to deposits | 36.8481% | 7,515 |
| Net loans and leases to core deposits | 37.9407% | 7,535 |
| Total domestic deposits to total assets | 88.5053% | 1,726 |
| Equity capital to assets | 11.0230% | 2,837 |
| Core capital (leverage) ratio | 12.0322% | 1,624 |
| Tier 1 risk-based capital ratio | 17.4725% | 2,108 |
| Total risk-based capital ratio | 18.0562% | 2,309 |
| Memoranda: | ||
| Average total assets | $18,463,000 | 7,670 |
| Average earning assets | $17,305,330 | 7,632 |
| Average equity | $2,138,670 | 7,638 |
| Average total loans | $6,404,000 | 7,678 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 5,535 |
| Cost of funding earning assets | 0.7740% | 7,170 |
| Net interest margin | 4.1120% | 2,391 |
| Noninterest income to average assets | 0.2933% | 5,796 |
| Noninterest expense to average assets | 3.0233% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1281% | 1,746 |
| Return on assets (ROA) | 1.1281% | 1,819 |
| Pretax return on assets | 1.1055% | 2,714 |
| Return on Equity (ROE) | 9.4809% | 2,298 |
| Retained earnings to average equity (ytd only) | -3.4131% | 6,413 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2240% | 3,718 |
| Assets per employee ($millions) | 3.4614% | 5,123 |
| Cash dividends to net income (ytd only)* | 136.0000% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 6,236 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 35.7197% | 7,434 |
| Net loans and leases to deposits | 40.9079% | 7,492 |
| Net loans and leases to core deposits | 40.9079% | 7,555 |
| Total domestic deposits to total assets | 87.3173% | 2,455 |
| Equity capital to assets | 12.1743% | 1,946 |
| Core capital (leverage) ratio | 11.6014% | 1,859 |
| Tier 1 risk-based capital ratio | 18.7893% | 1,773 |
| Total risk-based capital ratio | 19.4174% | 1,881 |
| Memoranda: | ||
| Average total assets | $17,729,000 | 7,777 |
| Average earning assets | $16,537,000 | 7,743 |
| Average equity | $2,109,500 | 7,729 |
| Average total loans | $6,320,500 | 7,779 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 6,229 |
| Cost of funding earning assets | 0.8335% | 7,507 |
| Net interest margin | 4.2263% | 1,985 |
| Noninterest income to average assets | 0.3074% | 5,887 |
| Noninterest expense to average assets | 3.0413% | 3,987 |
| Loan and lease loss provision to assets | 0.5215% | 3,764 |
| Net operating income to assets | 0.8509% | 2,343 |
| Return on assets (ROA) | 0.8509% | 2,426 |
| Pretax return on assets | 0.6972% | 3,588 |
| Return on Equity (ROE) | 7.2498% | 2,692 |
| Retained earnings to average equity (ytd only) | 0.9355% | 4,372 |
| Net charge-offs to loans | 1.1053% | 2,210 |
| Credit loss provision to net charge-offs | 139.7059% | 3,495 |
| Earnings coverage of net charge-offs (x) | 3.2647% | 3,427 |
| Efficiency ratio | 71.3918% | 4,370 |
| Assets per employee ($millions) | 3.6302% | 4,696 |
| Cash dividends to net income (ytd only)* | 87.0968% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,997 |
| Loan loss allowance to noncurrent loans | 168.2927% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 6,237 |
| Noncurrent loans to loans | 0.6416% | 5,954 |
| Net loans and leases to total assets | 34.8245% | 7,566 |
| Net loans and leases to deposits | 40.6443% | 7,606 |
| Net loans and leases to core deposits | 44.3859% | 7,696 |
| Total domestic deposits to total assets | 85.6812% | 3,178 |
| Equity capital to assets | 11.6357% | 2,222 |
| Core capital (leverage) ratio | 10.6014% | 2,502 |
| Tier 1 risk-based capital ratio | 21.2572% | 1,254 |
| Total risk-based capital ratio | 21.9647% | 1,311 |
| Memoranda: | ||
| Average total assets | $18,216,000 | 7,822 |
| Average earning assets | $17,036,000 | 7,788 |
| Average equity | $2,138,000 | 7,816 |
| Average total loans | $6,152,400 | 7,853 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 6,691 |
| Cost of funding earning assets | 0.8507% | 7,626 |
| Net interest margin | 4.1209% | 2,317 |
| Noninterest income to average assets | 0.3583% | 5,629 |
| Noninterest expense to average assets | 2.8374% | 4,731 |
| Loan and lease loss provision to assets | 0.6947% | 2,653 |
| Net operating income to assets | 0.9434% | 2,256 |
| Return on assets (ROA) | 0.9434% | 2,321 |
| Pretax return on assets | 0.6874% | 3,900 |
| Return on Equity (ROE) | 8.0205% | 2,620 |
| Retained earnings to average equity (ytd only) | -0.3730% | 5,311 |
| Net charge-offs to loans | 1.4879% | 1,378 |
| Credit loss provision to net charge-offs | 139.7059% | 3,528 |
| Earnings coverage of net charge-offs (x) | 2.7795% | 3,832 |
| Efficiency ratio | 67.2444% | 5,131 |
| Assets per employee ($millions) | 3.8834% | 3,983 |
| Cash dividends to net income (ytd only)* | 104.6512% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,531 |
| Loan loss allowance to noncurrent loans | 172.5000% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 6,339 |
| Noncurrent loans to loans | 0.6555% | 5,989 |
| Net loans and leases to total assets | 31.0707% | 7,781 |
| Net loans and leases to deposits | 35.1902% | 7,841 |
| Net loans and leases to core deposits | 38.1040% | 7,873 |
| Total domestic deposits to total assets | 88.2938% | 1,520 |
| Equity capital to assets | 11.1037% | 2,921 |
| Core capital (leverage) ratio | 11.3394% | 2,169 |
| Tier 1 risk-based capital ratio | 16.0508% | 2,608 |
| Total risk-based capital ratio | 16.5887% | 2,837 |
| Memoranda: | ||
| Average total assets | $18,232,250 | 7,901 |
| Average earning assets | $17,083,000 | 7,871 |
| Average equity | $2,144,500 | 7,894 |
| Average total loans | $6,093,000 | 7,932 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 6,219 |
| Cost of funding earning assets | 0.9122% | 7,680 |
| Net interest margin | 4.2490% | 1,820 |
| Noninterest income to average assets | 0.3476% | 5,723 |
| Noninterest expense to average assets | 2.8480% | 4,752 |
| Loan and lease loss provision to assets | 1.0652% | 1,603 |
| Net operating income to assets | 0.7961% | 2,869 |
| Return on assets (ROA) | 0.7961% | 2,964 |
| Pretax return on assets | 0.4036% | 4,926 |
| Return on Equity (ROE) | 6.6334% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.2803% | 5,105 |
| Net charge-offs to loans | 2.2332% | 810 |
| Credit loss provision to net charge-offs | 139.7059% | 3,342 |
| Earnings coverage of net charge-offs (x) | 1.9265% | 4,139 |
| Efficiency ratio | 65.9740% | 5,549 |
| Assets per employee ($millions) | 3.3862% | 5,100 |
| Cash dividends to net income (ytd only)* | 95.7746% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,982 |
| Loan loss allowance to noncurrent loans | 160.4651% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 6,103 |
| Noncurrent loans to loans | 0.7447% | 5,749 |
| Net loans and leases to total assets | 33.6956% | 7,787 |
| Net loans and leases to deposits | 38.8862% | 7,844 |
| Net loans and leases to core deposits | 43.0079% | 7,890 |
| Total domestic deposits to total assets | 86.6517% | 2,429 |
| Equity capital to assets | 12.6513% | 1,855 |
| Core capital (leverage) ratio | 11.5996% | 2,035 |
| Tier 1 risk-based capital ratio | 18.2791% | 1,939 |
| Total risk-based capital ratio | 18.8943% | 2,057 |
| Memoranda: | ||
| Average total assets | $17,837,330 | 7,992 |
| Average earning assets | $16,662,670 | 7,959 |
| Average equity | $2,140,670 | 7,976 |
| Average total loans | $6,090,000 | 8,022 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 6,301 |
| Cost of funding earning assets | 0.9408% | 7,760 |
| Net interest margin | 4.2571% | 1,720 |
| Noninterest income to average assets | 0.2843% | 6,161 |
| Noninterest expense to average assets | 2.7337% | 4,852 |
| Loan and lease loss provision to assets | 2.0776% | 572 |
| Net operating income to assets | 0.1968% | 5,670 |
| Return on assets (ROA) | 0.1968% | 5,842 |
| Pretax return on assets | -0.5686% | 6,877 |
| Return on Equity (ROE) | 1.6822% | 5,884 |
| Retained earnings to average equity (ytd only) | -11.0280% | 7,206 |
| Net charge-offs to loans | 4.4814% | 250 |
| Credit loss provision to net charge-offs | 135.7143% | 2,993 |
| Earnings coverage of net charge-offs (x) | 0.9857% | 4,279 |
| Efficiency ratio | 64.4330% | 5,603 |
| Assets per employee ($millions) | 3.7500% | 4,233 |
| Cash dividends to net income (ytd only)* | 755.5556% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,065 |
| Loan loss allowance to noncurrent loans | 171.7949% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 6,111 |
| Noncurrent loans to loans | 0.6740% | 5,721 |
| Net loans and leases to total assets | 30.5013% | 7,909 |
| Net loans and leases to deposits | 34.6228% | 7,975 |
| Net loans and leases to core deposits | 38.3517% | 7,999 |
| Total domestic deposits to total assets | 88.0960% | 1,700 |
| Equity capital to assets | 11.2373% | 2,778 |
| Core capital (leverage) ratio | 10.4311% | 2,999 |
| Tier 1 risk-based capital ratio | 15.1648% | 2,989 |
| Total risk-based capital ratio | 15.6726% | 3,275 |
| Memoranda: | ||
| Average total assets | $18,290,500 | 8,029 |
| Average earning assets | $17,007,000 | 7,998 |
| Average equity | $2,140,000 | 8,027 |
| Average total loans | $6,248,000 | 8,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5232% | 7,241 |
| Cost of funding earning assets | 1.4199% | 7,721 |
| Net interest margin | 4.1033% | 2,697 |
| Noninterest income to average assets | 0.4088% | 5,399 |
| Noninterest expense to average assets | 2.9961% | 4,093 |
| Loan and lease loss provision to assets | 1.3555% | 1,036 |
| Net operating income to assets | -0.1452% | 6,551 |
| Return on assets (ROA) | -0.1452% | 6,400 |
| Pretax return on assets | -0.1345% | 6,309 |
| Return on Equity (ROE) | -1.2089% | 6,393 |
| Retained earnings to average equity (ytd only) | -7.2535% | 6,808 |
| Net charge-offs to loans | 3.7687% | 198 |
| Credit loss provision to net charge-offs | 96.5517% | 5,493 |
| Earnings coverage of net charge-offs (x) | 0.8697% | 5,708 |
| Efficiency ratio | 71.0459% | 4,124 |
| Assets per employee ($millions) | 3.5662% | 4,509 |
| Cash dividends to net income (ytd only)* | -500.0000% | 8,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 7,622 |
| Loan loss allowance to noncurrent loans | 31.3433% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 4,290 |
| Noncurrent loans to loans | 1.9970% | 2,768 |
| Net loans and leases to total assets | 37.3955% | 7,779 |
| Net loans and leases to deposits | 42.9363% | 7,879 |
| Net loans and leases to core deposits | 46.2285% | 7,967 |
| Total domestic deposits to total assets | 87.0955% | 1,890 |
| Equity capital to assets | 12.1866% | 2,164 |
| Core capital (leverage) ratio | 11.4179% | 2,300 |
| Tier 1 risk-based capital ratio | 15.9087% | 2,702 |
| Total risk-based capital ratio | 16.2358% | 2,967 |
| Memoranda: | ||
| Average total assets | $18,590,800 | 8,060 |
| Average earning assets | $17,254,600 | 8,034 |
| Average equity | $2,233,400 | 8,063 |
| Average total loans | $6,925,400 | 8,083 |