Home > The First National Bank of Fletcher > Performance and Condition Ratios
The First National Bank of Fletcher, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 4,195 |
| Cost of funding earning assets | 0.2113% | 4,376 |
| Net interest margin | 3.9344% | 1,293 |
| Noninterest income to average assets | 0.7000% | 1,176 |
| Noninterest expense to average assets | 3.7467% | 460 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.4974% | 3,476 |
| Return on assets (ROA) | 0.4974% | 3,493 |
| Pretax return on assets | 0.4974% | 3,653 |
| Return on Equity (ROE) | 5.4700% | 3,402 |
| Retained earnings to average equity (ytd only) | 0.4514% | 3,800 |
| Net charge-offs to loans | 0.1888% | 737 |
| Credit loss provision to net charge-offs | 62.5000% | 2,265 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 2,065 |
| Efficiency ratio | 87.8075% | 600 |
| Assets per employee ($millions) | 2.3886% | 4,334 |
| Cash dividends to net income (ytd only)* | 91.7431% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2917% | 65 |
| Loan loss allowance to noncurrent loans | 4,083.3333% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,500 |
| Noncurrent loans to loans | 0.1541% | 2,904 |
| Net loans and leases to total assets | 16.9700% | 4,328 |
| Net loans and leases to deposits | 18.6927% | 4,345 |
| Net loans and leases to core deposits | 18.6927% | 4,328 |
| Total domestic deposits to total assets | 90.8100% | 569 |
| Equity capital to assets | 8.9315% | 2,868 |
| Core capital (leverage) ratio | 10.0285% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4983% | 554 |
| Memoranda: | ||
| Average total assets | $21,912,600 | 4,407 |
| Average earning assets | $19,875,800 | 4,380 |
| Average equity | $1,994,000 | 4,420 |
| Average total loans | $4,237,400 | 4,368 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 4,238 |
| Cost of funding earning assets | 0.2001% | 4,420 |
| Net interest margin | 3.8889% | 1,315 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 3.3126% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7267% | 2,910 |
| Return on assets (ROA) | 0.7267% | 2,929 |
| Pretax return on assets | 0.7267% | 3,193 |
| Return on Equity (ROE) | 7.9500% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.9501% | 1,411 |
| Net charge-offs to loans | 0.0925% | 1,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,336 |
| Efficiency ratio | 82.0090% | 951 |
| Assets per employee ($millions) | 2.4372% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6573% | 74 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,641 |
| Noncurrent loans to loans | 0.0927% | 3,229 |
| Net loans and leases to total assets | 18.5500% | 4,352 |
| Net loans and leases to deposits | 20.6203% | 4,374 |
| Net loans and leases to core deposits | 20.6203% | 4,361 |
| Total domestic deposits to total assets | 89.9600% | 604 |
| Equity capital to assets | 9.9430% | 2,340 |
| Core capital (leverage) ratio | 10.4071% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $22,016,500 | 4,435 |
| Average earning assets | $19,988,250 | 4,414 |
| Average equity | $2,012,500 | 4,449 |
| Average total loans | $4,323,250 | 4,397 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 4,270 |
| Cost of funding earning assets | 0.1901% | 4,429 |
| Net interest margin | 3.8312% | 1,374 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 3.2300% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7803% | 2,695 |
| Return on assets (ROA) | 0.7803% | 2,708 |
| Pretax return on assets | 0.7803% | 3,046 |
| Return on Equity (ROE) | 8.7900% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.7920% | 1,144 |
| Net charge-offs to loans | 0.1387% | 708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,423 |
| Efficiency ratio | 80.5430% | 1,084 |
| Assets per employee ($millions) | 2.4678% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4745% | 76 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 18.9700% | 4,368 |
| Net loans and leases to deposits | 20.8471% | 4,395 |
| Net loans and leases to core deposits | 20.8471% | 4,376 |
| Total domestic deposits to total assets | 90.9900% | 455 |
| Equity capital to assets | 8.9554% | 2,769 |
| Core capital (leverage) ratio | 10.2968% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9739% | 591 |
| Memoranda: | ||
| Average total assets | $22,043,667 | 4,458 |
| Average earning assets | $19,993,667 | 4,431 |
| Average equity | $1,956,333 | 4,462 |
| Average total loans | $4,326,667 | 4,417 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 4,257 |
| Cost of funding earning assets | 0.1607% | 4,459 |
| Net interest margin | 3.8371% | 1,309 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 3.2422% | 778 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7650% | 2,642 |
| Return on assets (ROA) | 0.7650% | 2,653 |
| Pretax return on assets | 0.7650% | 3,009 |
| Return on Equity (ROE) | 8.6600% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.6598% | 1,389 |
| Net charge-offs to loans | 0.2816% | 333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,501 |
| Efficiency ratio | 80.9091% | 1,141 |
| Assets per employee ($millions) | 2.4562% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8542% | 32 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 17.8200% | 4,398 |
| Net loans and leases to deposits | 19.5437% | 4,409 |
| Net loans and leases to core deposits | 19.5437% | 4,439 |
| Total domestic deposits to total assets | 91.2000% | 480 |
| Equity capital to assets | 8.7623% | 2,834 |
| Core capital (leverage) ratio | 10.0455% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $21,960,500 | 4,492 |
| Average earning assets | $19,911,000 | 4,461 |
| Average equity | $1,940,000 | 4,494 |
| Average total loans | $4,261,500 | 4,444 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7139% | 4,265 |
| Cost of funding earning assets | 0.1114% | 4,480 |
| Net interest margin | 3.6025% | 1,965 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.2787% | 756 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.3414% | 3,972 |
| Return on assets (ROA) | 0.3414% | 3,968 |
| Pretax return on assets | 0.3414% | 4,045 |
| Return on Equity (ROE) | 4.3400% | 3,842 |
| Retained earnings to average equity (ytd only) | -0.1113% | 4,095 |
| Net charge-offs to loans | -0.0244% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.4298% | 471 |
| Assets per employee ($millions) | 2.4239% | 4,429 |
| Cash dividends to net income (ytd only)* | 102.5641% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6939% | 34 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 18.7500% | 4,412 |
| Net loans and leases to deposits | 20.6044% | 4,424 |
| Net loans and leases to core deposits | 20.6044% | 4,451 |
| Total domestic deposits to total assets | 91.0200% | 500 |
| Equity capital to assets | 8.9067% | 2,737 |
| Core capital (leverage) ratio | 11.3942% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7822% | 493 |
| Memoranda: | ||
| Average total assets | $22,844,200 | 4,513 |
| Average earning assets | $20,652,400 | 4,477 |
| Average equity | $1,797,400 | 4,498 |
| Average total loans | $4,097,400 | 4,464 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 4,287 |
| Cost of funding earning assets | 0.1084% | 4,503 |
| Net interest margin | 3.5149% | 2,175 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.1166% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5367% | 3,689 |
| Return on assets (ROA) | 0.5367% | 3,675 |
| Pretax return on assets | 0.5367% | 3,849 |
| Return on Equity (ROE) | 7.0400% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.0413% | 2,268 |
| Net charge-offs to loans | 0.0991% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,577 |
| Efficiency ratio | 85.3081% | 542 |
| Assets per employee ($millions) | 2.5074% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4258% | 35 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 17.2200% | 4,446 |
| Net loans and leases to deposits | 18.6803% | 4,456 |
| Net loans and leases to core deposits | 18.6803% | 4,447 |
| Total domestic deposits to total assets | 92.2100% | 419 |
| Equity capital to assets | 7.7237% | 3,228 |
| Core capital (leverage) ratio | 10.1779% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $23,101,500 | 4,537 |
| Average earning assets | $20,901,000 | 4,503 |
| Average equity | $1,761,000 | 4,526 |
| Average total loans | $4,037,250 | 4,490 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 4,266 |
| Cost of funding earning assets | 0.1138% | 4,507 |
| Net interest margin | 3.4711% | 2,340 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.1444% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4725% | 3,869 |
| Return on assets (ROA) | 0.4725% | 3,871 |
| Pretax return on assets | 0.4725% | 4,014 |
| Return on Equity (ROE) | 6.2300% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.2252% | 2,534 |
| Net charge-offs to loans | 0.0498% | 1,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,232 |
| Efficiency ratio | 86.9359% | 460 |
| Assets per employee ($millions) | 2.5678% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2607% | 43 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 17.5300% | 4,471 |
| Net loans and leases to deposits | 18.9905% | 4,479 |
| Net loans and leases to core deposits | 18.9905% | 4,471 |
| Total domestic deposits to total assets | 92.3300% | 356 |
| Equity capital to assets | 7.5768% | 3,481 |
| Core capital (leverage) ratio | 9.5414% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $23,279,667 | 4,564 |
| Average earning assets | $21,088,667 | 4,531 |
| Average equity | $1,767,000 | 4,557 |
| Average total loans | $4,013,000 | 4,521 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 4,338 |
| Cost of funding earning assets | 0.0944% | 4,543 |
| Net interest margin | 3.3433% | 2,769 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 3.1501% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4109% | 4,073 |
| Return on assets (ROA) | 0.4109% | 4,019 |
| Pretax return on assets | 0.4109% | 4,116 |
| Return on Equity (ROE) | 5.4100% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.4085% | 2,919 |
| Net charge-offs to loans | 0.1031% | 588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,395 |
| Efficiency ratio | 88.4615% | 408 |
| Assets per employee ($millions) | 2.6248% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7737% | 26 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 15.5400% | 4,549 |
| Net loans and leases to deposits | 16.8703% | 4,553 |
| Net loans and leases to core deposits | 16.8703% | 4,546 |
| Total domestic deposits to total assets | 92.1400% | 485 |
| Equity capital to assets | 7.7933% | 3,387 |
| Core capital (leverage) ratio | 9.5122% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $23,364,500 | 4,621 |
| Average earning assets | $21,176,500 | 4,594 |
| Average equity | $1,775,000 | 4,622 |
| Average total loans | $3,881,000 | 4,591 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0694% | 4,048 |
| Cost of funding earning assets | 0.0651% | 4,521 |
| Net interest margin | 3.0043% | 3,438 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 3.0966% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0973% | 4,511 |
| Return on assets (ROA) | 0.0973% | 4,498 |
| Pretax return on assets | 0.0973% | 4,503 |
| Return on Equity (ROE) | 1.1800% | 4,472 |
| Retained earnings to average equity (ytd only) | 0.1541% | 4,319 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.9536% | 184 |
| Assets per employee ($millions) | 2.5673% | 4,577 |
| Cash dividends to net income (ytd only)* | 86.9565% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8473% | 24 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 15.7500% | 4,580 |
| Net loans and leases to deposits | 17.0158% | 4,584 |
| Net loans and leases to core deposits | 17.0158% | 4,577 |
| Total domestic deposits to total assets | 92.5600% | 504 |
| Equity capital to assets | 7.3963% | 3,440 |
| Core capital (leverage) ratio | 9.4060% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $23,639,200 | 4,653 |
| Average earning assets | $21,502,800 | 4,627 |
| Average equity | $1,946,800 | 4,679 |
| Average total loans | $4,326,600 | 4,626 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9786% | 3,921 |
| Cost of funding earning assets | 0.0615% | 4,523 |
| Net interest margin | 2.9170% | 3,441 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.9109% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2187% | 4,458 |
| Return on assets (ROA) | 0.2187% | 4,423 |
| Pretax return on assets | 0.2187% | 4,450 |
| Return on Equity (ROE) | 2.5900% | 4,348 |
| Retained earnings to average equity (ytd only) | 2.5918% | 3,896 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.0108% | 254 |
| Assets per employee ($millions) | 2.6988% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6289% | 28 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 15.6000% | 4,619 |
| Net loans and leases to deposits | 16.8086% | 4,628 |
| Net loans and leases to core deposits | 16.8086% | 4,617 |
| Total domestic deposits to total assets | 92.8100% | 631 |
| Equity capital to assets | 7.1637% | 3,428 |
| Core capital (leverage) ratio | 9.1864% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $23,772,500 | 4,688 |
| Average earning assets | $21,665,250 | 4,664 |
| Average equity | $2,006,250 | 4,718 |
| Average total loans | $4,442,000 | 4,662 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 3,719 |
| Cost of funding earning assets | 0.0651% | 4,493 |
| Net interest margin | 2.8665% | 3,251 |
| Noninterest income to average assets | 0.4746% | 2,332 |
| Noninterest expense to average assets | 2.8983% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1864% | 4,439 |
| Return on assets (ROA) | 0.1864% | 4,400 |
| Pretax return on assets | 0.1864% | 4,424 |
| Return on Equity (ROE) | 2.1002% | 4,342 |
| Retained earnings to average equity (ytd only) | 2.1002% | 3,720 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9560% | 289 |
| Assets per employee ($millions) | 2.7068% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2828% | 39 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 16.6331% | 4,675 |
| Net loans and leases to deposits | 17.9881% | 4,683 |
| Net loans and leases to core deposits | 17.9881% | 4,679 |
| Total domestic deposits to total assets | 92.4675% | 667 |
| Equity capital to assets | 7.5079% | 3,470 |
| Core capital (leverage) ratio | 9.1988% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,600,333 | 4,725 |
| Average earning assets | $21,489,667 | 4,712 |
| Average equity | $2,095,000 | 4,740 |
| Average total loans | $4,584,333 | 4,723 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9262% | 3,467 |
| Cost of funding earning assets | 0.0755% | 4,397 |
| Net interest margin | 2.8507% | 2,987 |
| Noninterest income to average assets | 0.4651% | 2,330 |
| Noninterest expense to average assets | 2.9802% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0861% | 4,485 |
| Return on assets (ROA) | 0.0861% | 4,459 |
| Pretax return on assets | 0.0861% | 4,459 |
| Return on Equity (ROE) | 0.8977% | 4,441 |
| Retained earnings to average equity (ytd only) | 0.8977% | 3,846 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1910% | 297 |
| Assets per employee ($millions) | 2.6054% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8157% | 45 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 19.0499% | 4,680 |
| Net loans and leases to deposits | 20.8670% | 4,693 |
| Net loans and leases to core deposits | 20.8670% | 4,693 |
| Total domestic deposits to total assets | 91.2917% | 892 |
| Equity capital to assets | 8.6827% | 2,991 |
| Core capital (leverage) ratio | 9.0879% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,220,000 | 4,749 |
| Average earning assets | $21,188,000 | 4,737 |
| Average equity | $2,228,000 | 4,758 |
| Average total loans | $4,737,500 | 4,751 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 3,023 |
| Cost of funding earning assets | 0.0900% | 4,457 |
| Net interest margin | 3.2716% | 2,404 |
| Noninterest income to average assets | 0.5075% | 2,527 |
| Noninterest expense to average assets | 3.3701% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1345% | 4,595 |
| Return on assets (ROA) | 0.2212% | 4,533 |
| Pretax return on assets | 0.2212% | 4,559 |
| Return on Equity (ROE) | 1.9797% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.1165% | 4,456 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1634% | 198 |
| Assets per employee ($millions) | 2.5546% | 4,738 |
| Cash dividends to net income (ytd only)* | 94.1176% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7261% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 19.8164% | 4,717 |
| Net loans and leases to deposits | 22.2244% | 4,724 |
| Net loans and leases to core deposits | 22.2244% | 4,729 |
| Total domestic deposits to total assets | 89.1653% | 1,432 |
| Equity capital to assets | 10.5259% | 2,154 |
| Core capital (leverage) ratio | 9.3413% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,055,600 | 4,786 |
| Average earning assets | $21,121,000 | 4,772 |
| Average equity | $2,576,200 | 4,782 |
| Average total loans | $4,961,200 | 4,790 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 2,918 |
| Cost of funding earning assets | 0.1009% | 4,498 |
| Net interest margin | 3.3724% | 2,229 |
| Noninterest income to average assets | 0.5317% | 2,492 |
| Noninterest expense to average assets | 3.3229% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3005% | 4,520 |
| Return on assets (ROA) | 0.4161% | 4,381 |
| Pretax return on assets | 0.4161% | 4,475 |
| Return on Equity (ROE) | 3.6707% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.6707% | 3,690 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7065% | 283 |
| Assets per employee ($millions) | 2.5397% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5491% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 20.7464% | 4,786 |
| Net loans and leases to deposits | 23.5183% | 4,793 |
| Net loans and leases to core deposits | 23.5183% | 4,800 |
| Total domestic deposits to total assets | 88.2137% | 1,710 |
| Equity capital to assets | 11.2701% | 1,836 |
| Core capital (leverage) ratio | 9.5874% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,071,750 | 4,860 |
| Average earning assets | $21,151,750 | 4,846 |
| Average equity | $2,615,250 | 4,853 |
| Average total loans | $5,006,000 | 4,861 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 2,335 |
| Cost of funding earning assets | 0.1223% | 4,424 |
| Net interest margin | 3.5757% | 1,649 |
| Noninterest income to average assets | 0.5185% | 2,539 |
| Noninterest expense to average assets | 3.2580% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5444% | 4,124 |
| Return on assets (ROA) | 0.7173% | 3,781 |
| Pretax return on assets | 0.7173% | 4,027 |
| Return on Equity (ROE) | 6.3158% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.3158% | 2,685 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6818% | 487 |
| Assets per employee ($millions) | 2.6651% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5128% | 48 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 19.9366% | 4,837 |
| Net loans and leases to deposits | 22.5152% | 4,841 |
| Net loans and leases to core deposits | 22.5152% | 4,843 |
| Total domestic deposits to total assets | 88.5475% | 1,544 |
| Equity capital to assets | 10.9022% | 2,067 |
| Core capital (leverage) ratio | 9.1544% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,143,333 | 4,894 |
| Average earning assets | $21,254,333 | 4,880 |
| Average equity | $2,628,333 | 4,885 |
| Average total loans | $5,018,667 | 4,902 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 2,328 |
| Cost of funding earning assets | 0.1149% | 4,550 |
| Net interest margin | 3.5996% | 1,590 |
| Noninterest income to average assets | 0.5633% | 2,359 |
| Noninterest expense to average assets | 3.3096% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5633% | 4,032 |
| Return on assets (ROA) | 0.6690% | 3,853 |
| Pretax return on assets | 0.6690% | 4,081 |
| Return on Equity (ROE) | 5.7685% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.7685% | 2,980 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4545% | 533 |
| Assets per employee ($millions) | 2.6914% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3849% | 60 |
| Loan loss allowance to noncurrent loans | 3,766.6667% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,188 |
| Noncurrent loans to loans | 0.1164% | 3,730 |
| Net loans and leases to total assets | 20.3443% | 4,853 |
| Net loans and leases to deposits | 22.9722% | 4,862 |
| Net loans and leases to core deposits | 22.9722% | 4,869 |
| Total domestic deposits to total assets | 88.5605% | 1,581 |
| Equity capital to assets | 10.8162% | 1,995 |
| Core capital (leverage) ratio | 9.4015% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,722,000 | 4,924 |
| Average earning assets | $20,891,500 | 4,910 |
| Average equity | $2,635,000 | 4,908 |
| Average total loans | $5,024,000 | 4,927 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7246% | 3,514 |
| Cost of funding earning assets | 0.1926% | 4,600 |
| Net interest margin | 3.5321% | 2,365 |
| Noninterest income to average assets | 0.5601% | 2,374 |
| Noninterest expense to average assets | 3.6054% | 593 |
| Loan and lease loss provision to assets | 0.0750% | 3,445 |
| Net operating income to assets | 0.0900% | 4,679 |
| Return on assets (ROA) | 0.2250% | 4,602 |
| Pretax return on assets | 0.2250% | 4,634 |
| Return on Equity (ROE) | 1.8484% | 4,581 |
| Retained earnings to average equity (ytd only) | 0.2875% | 4,433 |
| Net charge-offs to loans | 0.1587% | 1,030 |
| Credit loss provision to net charge-offs | 187.5000% | 2,224 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 3,023 |
| Efficiency ratio | 95.6233% | 232 |
| Assets per employee ($millions) | 2.3579% | 4,897 |
| Cash dividends to net income (ytd only)* | 84.4444% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6179% | 50 |
| Loan loss allowance to noncurrent loans | 3,766.6667% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,223 |
| Noncurrent loans to loans | 0.1226% | 3,795 |
| Net loans and leases to total assets | 21.9971% | 4,872 |
| Net loans and leases to deposits | 25.3778% | 4,877 |
| Net loans and leases to core deposits | 25.3778% | 4,879 |
| Total domestic deposits to total assets | 86.6783% | 2,084 |
| Equity capital to assets | 12.4876% | 1,330 |
| Core capital (leverage) ratio | 10.1924% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,998,000 | 4,952 |
| Average earning assets | $18,176,400 | 4,944 |
| Average equity | $2,434,600 | 4,944 |
| Average total loans | $5,042,200 | 4,950 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 3,419 |
| Cost of funding earning assets | 0.2091% | 4,639 |
| Net interest margin | 3.6376% | 2,129 |
| Noninterest income to average assets | 0.5823% | 2,244 |
| Noninterest expense to average assets | 3.5004% | 706 |
| Loan and lease loss provision to assets | 0.1016% | 3,049 |
| Net operating income to assets | 0.2776% | 4,479 |
| Return on assets (ROA) | 0.4198% | 4,288 |
| Pretax return on assets | 0.4198% | 4,407 |
| Return on Equity (ROE) | 3.4722% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.4722% | 3,318 |
| Net charge-offs to loans | 0.2100% | 729 |
| Credit loss provision to net charge-offs | 187.5000% | 2,157 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,609 |
| Efficiency ratio | 90.2269% | 360 |
| Assets per employee ($millions) | 2.2896% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5565% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 22.9739% | 4,903 |
| Net loans and leases to deposits | 26.2606% | 4,914 |
| Net loans and leases to core deposits | 26.2606% | 4,917 |
| Total domestic deposits to total assets | 87.4842% | 1,460 |
| Equity capital to assets | 11.9674% | 1,694 |
| Core capital (leverage) ratio | 10.8107% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,692,250 | 4,984 |
| Average earning assets | $17,850,250 | 4,974 |
| Average equity | $2,380,750 | 4,974 |
| Average total loans | $5,079,250 | 4,981 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,370 |
| Cost of funding earning assets | 0.2276% | 4,695 |
| Net interest margin | 3.7548% | 1,974 |
| Noninterest income to average assets | 0.6396% | 1,976 |
| Noninterest expense to average assets | 3.6828% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3611% | 4,313 |
| Return on assets (ROA) | 0.4952% | 4,106 |
| Pretax return on assets | 0.4952% | 4,260 |
| Return on Equity (ROE) | 4.0811% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.0811% | 2,863 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0714% | 364 |
| Assets per employee ($millions) | 2.2871% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3774% | 52 |
| Loan loss allowance to noncurrent loans | 1,095.0000% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,045 |
| Noncurrent loans to loans | 0.3998% | 2,972 |
| Net loans and leases to total assets | 23.2414% | 4,933 |
| Net loans and leases to deposits | 26.4251% | 4,951 |
| Net loans and leases to core deposits | 26.4251% | 4,952 |
| Total domestic deposits to total assets | 87.9518% | 1,200 |
| Equity capital to assets | 11.6498% | 1,868 |
| Core capital (leverage) ratio | 11.0242% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,387,667 | 5,016 |
| Average earning assets | $17,577,667 | 5,007 |
| Average equity | $2,352,333 | 5,006 |
| Average total loans | $5,119,000 | 5,012 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 3,234 |
| Cost of funding earning assets | 0.2342% | 4,808 |
| Net interest margin | 3.9588% | 1,500 |
| Noninterest income to average assets | 0.8090% | 1,288 |
| Noninterest expense to average assets | 3.9597% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4471% | 4,027 |
| Return on assets (ROA) | 0.5535% | 3,790 |
| Pretax return on assets | 0.5535% | 4,025 |
| Return on Equity (ROE) | 4.4645% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.4645% | 2,507 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8551% | 507 |
| Assets per employee ($millions) | 2.0867% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2467% | 62 |
| Loan loss allowance to noncurrent loans | 1,095.0000% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,092 |
| Noncurrent loans to loans | 0.3878% | 3,096 |
| Net loans and leases to total assets | 26.2939% | 4,956 |
| Net loans and leases to deposits | 29.9964% | 4,976 |
| Net loans and leases to core deposits | 29.9964% | 4,988 |
| Total domestic deposits to total assets | 87.6571% | 1,246 |
| Equity capital to assets | 12.1033% | 1,993 |
| Core capital (leverage) ratio | 11.5489% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,789,500 | 5,069 |
| Average earning assets | $17,076,000 | 5,059 |
| Average equity | $2,329,500 | 5,053 |
| Average total loans | $5,177,000 | 5,060 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 3,717 |
| Cost of funding earning assets | 0.2097% | 4,941 |
| Net interest margin | 4.0260% | 1,767 |
| Noninterest income to average assets | 0.8635% | 1,262 |
| Noninterest expense to average assets | 4.0403% | 508 |
| Loan and lease loss provision to assets | 0.0320% | 3,375 |
| Net operating income to assets | 0.4744% | 4,461 |
| Return on assets (ROA) | 0.5490% | 4,350 |
| Pretax return on assets | 0.5490% | 4,494 |
| Return on Equity (ROE) | 4.4978% | 4,347 |
| Retained earnings to average equity (ytd only) | 0.1310% | 4,648 |
| Net charge-offs to loans | 0.3905% | 499 |
| Credit loss provision to net charge-offs | 31.5789% | 3,260 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,145 |
| Efficiency ratio | 88.8628% | 399 |
| Assets per employee ($millions) | 2.0888% | 5,072 |
| Cash dividends to net income (ytd only)* | 97.0874% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2140% | 52 |
| Loan loss allowance to noncurrent loans | 1,042.8571% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 4,070 |
| Noncurrent loans to loans | 0.4041% | 2,991 |
| Net loans and leases to total assets | 26.4801% | 5,016 |
| Net loans and leases to deposits | 30.8847% | 5,029 |
| Net loans and leases to core deposits | 30.8847% | 5,041 |
| Total domestic deposits to total assets | 85.7386% | 2,169 |
| Equity capital to assets | 12.6922% | 1,711 |
| Core capital (leverage) ratio | 11.2541% | 2,291 |
| Tier 1 risk-based capital ratio | 18.6589% | 1,598 |
| Total risk-based capital ratio | 19.9167% | 1,568 |
| Memoranda: | ||
| Average total assets | $18,761,000 | 5,127 |
| Average earning assets | $17,163,600 | 5,116 |
| Average equity | $2,290,000 | 5,116 |
| Average total loans | $4,866,000 | 5,124 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 3,775 |
| Cost of funding earning assets | 0.2100% | 5,018 |
| Net interest margin | 4.0515% | 1,757 |
| Noninterest income to average assets | 0.8817% | 1,183 |
| Noninterest expense to average assets | 3.9676% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6186% | 4,247 |
| Return on assets (ROA) | 0.6826% | 4,127 |
| Pretax return on assets | 0.6826% | 4,383 |
| Return on Equity (ROE) | 5.6487% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.6487% | 2,537 |
| Net charge-offs to loans | 0.8363% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 3,156 |
| Efficiency ratio | 86.5116% | 473 |
| Assets per employee ($millions) | 2.1673% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9859% | 62 |
| Loan loss allowance to noncurrent loans | 676.6667% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 3,970 |
| Noncurrent loans to loans | 0.5890% | 2,518 |
| Net loans and leases to total assets | 25.0692% | 5,119 |
| Net loans and leases to deposits | 28.8802% | 5,131 |
| Net loans and leases to core deposits | 28.8802% | 5,141 |
| Total domestic deposits to total assets | 86.8041% | 1,620 |
| Equity capital to assets | 12.6525% | 1,812 |
| Core capital (leverage) ratio | 11.5100% | 2,209 |
| Tier 1 risk-based capital ratio | 19.1391% | 1,534 |
| Total risk-based capital ratio | 20.3946% | 1,506 |
| Memoranda: | ||
| Average total assets | $18,751,500 | 5,205 |
| Average earning assets | $17,145,500 | 5,196 |
| Average equity | $2,266,000 | 5,194 |
| Average total loans | $4,783,250 | 5,202 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 3,649 |
| Cost of funding earning assets | 0.2011% | 5,073 |
| Net interest margin | 4.0935% | 1,626 |
| Noninterest income to average assets | 0.8973% | 1,077 |
| Noninterest expense to average assets | 3.9892% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6486% | 4,171 |
| Return on assets (ROA) | 0.6486% | 4,220 |
| Pretax return on assets | 0.6486% | 4,449 |
| Return on Equity (ROE) | 5.4578% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.4578% | 2,539 |
| Net charge-offs to loans | 1.0684% | 128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 2,945 |
| Efficiency ratio | 86.0140% | 545 |
| Assets per employee ($millions) | 2.1121% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3189% | 53 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 24.2411% | 5,173 |
| Net loans and leases to deposits | 27.7641% | 5,187 |
| Net loans and leases to core deposits | 27.7641% | 5,194 |
| Total domestic deposits to total assets | 87.3113% | 1,432 |
| Equity capital to assets | 12.3257% | 1,960 |
| Core capital (leverage) ratio | 11.3397% | 2,304 |
| Tier 1 risk-based capital ratio | 19.4977% | 1,439 |
| Total risk-based capital ratio | 20.7534% | 1,408 |
| Memoranda: | ||
| Average total assets | $18,500,000 | 5,255 |
| Average earning assets | $16,904,670 | 5,247 |
| Average equity | $2,198,670 | 5,239 |
| Average total loans | $4,680,000 | 5,252 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 3,691 |
| Cost of funding earning assets | 0.2164% | 5,081 |
| Net interest margin | 4.0389% | 1,716 |
| Noninterest income to average assets | 0.9208% | 994 |
| Noninterest expense to average assets | 4.0777% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5262% | 4,446 |
| Return on assets (ROA) | 0.5262% | 4,466 |
| Pretax return on assets | 0.5262% | 4,628 |
| Return on Equity (ROE) | 4.5145% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.5145% | 3,118 |
| Net charge-offs to loans | 1.9081% | 60 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.0909% | 2,626 |
| Efficiency ratio | 88.5714% | 456 |
| Assets per employee ($millions) | 2.0771% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7533% | 42 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 22.6169% | 5,246 |
| Net loans and leases to deposits | 25.6242% | 5,255 |
| Net loans and leases to core deposits | 25.6242% | 5,256 |
| Total domestic deposits to total assets | 88.2636% | 1,213 |
| Equity capital to assets | 11.6722% | 2,255 |
| Core capital (leverage) ratio | 11.8930% | 1,834 |
| Tier 1 risk-based capital ratio | 20.2804% | 1,288 |
| Total risk-based capital ratio | 21.5421% | 1,255 |
| Memoranda: | ||
| Average total assets | $18,245,500 | 5,310 |
| Average earning assets | $16,638,000 | 5,304 |
| Average equity | $2,126,500 | 5,302 |
| Average total loans | $4,612,000 | 5,313 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 3,345 |
| Cost of funding earning assets | 0.1407% | 5,202 |
| Net interest margin | 4.0917% | 1,706 |
| Noninterest income to average assets | 0.8910% | 1,196 |
| Noninterest expense to average assets | 4.0446% | 501 |
| Loan and lease loss provision to assets | 0.0540% | 3,095 |
| Net operating income to assets | 0.5616% | 4,516 |
| Return on assets (ROA) | 0.5832% | 4,470 |
| Pretax return on assets | 0.5832% | 4,661 |
| Return on Equity (ROE) | 5.1306% | 4,427 |
| Retained earnings to average equity (ytd only) | 0.6651% | 4,816 |
| Net charge-offs to loans | 0.1232% | 1,505 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 2,093 |
| Efficiency ratio | 86.7903% | 487 |
| Assets per employee ($millions) | 1.9774% | 5,315 |
| Cash dividends to net income (ytd only)* | 87.0370% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8694% | 37 |
| Loan loss allowance to noncurrent loans | 408.7719% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 3,271 |
| Noncurrent loans to loans | 1.1912% | 1,346 |
| Net loans and leases to total assets | 25.5773% | 5,260 |
| Net loans and leases to deposits | 29.9139% | 5,272 |
| Net loans and leases to core deposits | 29.9139% | 5,277 |
| Total domestic deposits to total assets | 85.5032% | 2,436 |
| Equity capital to assets | 11.6368% | 2,150 |
| Core capital (leverage) ratio | 12.0983% | 1,673 |
| Tier 1 risk-based capital ratio | 19.4649% | 1,413 |
| Total risk-based capital ratio | 20.7256% | 1,379 |
| Memoranda: | ||
| Average total assets | $18,518,600 | 5,354 |
| Average earning assets | $17,059,000 | 5,345 |
| Average equity | $2,105,000 | 5,347 |
| Average total loans | $4,870,600 | 5,356 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 3,410 |
| Cost of funding earning assets | 0.1311% | 5,272 |
| Net interest margin | 4.0393% | 1,826 |
| Noninterest income to average assets | 0.8842% | 1,239 |
| Noninterest expense to average assets | 3.8646% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7558% | 4,059 |
| Return on assets (ROA) | 0.7772% | 3,992 |
| Pretax return on assets | 0.7772% | 4,353 |
| Return on Equity (ROE) | 6.8763% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.8763% | 2,192 |
| Net charge-offs to loans | 0.2999% | 551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 9.6339% | 2,633 |
| Efficiency ratio | 83.6420% | 669 |
| Assets per employee ($millions) | 2.0056% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6536% | 43 |
| Loan loss allowance to noncurrent loans | 405.4545% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 3,477 |
| Noncurrent loans to loans | 1.1477% | 1,479 |
| Net loans and leases to total assets | 25.3130% | 5,333 |
| Net loans and leases to deposits | 28.7449% | 5,355 |
| Net loans and leases to core deposits | 28.7449% | 5,358 |
| Total domestic deposits to total assets | 88.0609% | 1,217 |
| Equity capital to assets | 11.8615% | 1,996 |
| Core capital (leverage) ratio | 12.0841% | 1,735 |
| Tier 1 risk-based capital ratio | 20.2238% | 1,292 |
| Total risk-based capital ratio | 21.4872% | 1,268 |
| Memoranda: | ||
| Average total assets | $18,699,000 | 5,423 |
| Average earning assets | $17,296,250 | 5,412 |
| Average equity | $2,113,500 | 5,417 |
| Average total loans | $4,892,000 | 5,426 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,489 |
| Cost of funding earning assets | 0.1257% | 5,328 |
| Net interest margin | 3.9640% | 1,985 |
| Noninterest income to average assets | 0.8459% | 1,332 |
| Noninterest expense to average assets | 3.7853% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7296% | 4,108 |
| Return on assets (ROA) | 0.7296% | 4,108 |
| Pretax return on assets | 0.7296% | 4,440 |
| Return on Equity (ROE) | 6.5579% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.5579% | 2,279 |
| Net charge-offs to loans | 0.6091% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,778 |
| Efficiency ratio | 83.8407% | 697 |
| Assets per employee ($millions) | 2.1606% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5568% | 45 |
| Loan loss allowance to noncurrent loans | 365.0000% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,531 |
| Noncurrent loans to loans | 1.2484% | 1,377 |
| Net loans and leases to total assets | 23.5896% | 5,416 |
| Net loans and leases to deposits | 26.5007% | 5,427 |
| Net loans and leases to core deposits | 26.5007% | 5,430 |
| Total domestic deposits to total assets | 89.0152% | 927 |
| Equity capital to assets | 10.8871% | 2,744 |
| Core capital (leverage) ratio | 11.3017% | 2,251 |
| Tier 1 risk-based capital ratio | 18.3340% | 1,719 |
| Total risk-based capital ratio | 19.5918% | 1,680 |
| Memoranda: | ||
| Average total assets | $18,915,330 | 5,486 |
| Average earning assets | $17,507,670 | 5,474 |
| Average equity | $2,104,330 | 5,481 |
| Average total loans | $4,925,330 | 5,489 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,601 |
| Cost of funding earning assets | 0.1388% | 5,319 |
| Net interest margin | 3.8627% | 2,186 |
| Noninterest income to average assets | 0.8579% | 1,272 |
| Noninterest expense to average assets | 3.7318% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7078% | 4,071 |
| Return on assets (ROA) | 0.7078% | 4,079 |
| Pretax return on assets | 0.7078% | 4,420 |
| Return on Equity (ROE) | 6.2917% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.2917% | 2,590 |
| Net charge-offs to loans | 0.2407% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,872 |
| Efficiency ratio | 84.0580% | 793 |
| Assets per employee ($millions) | 2.1403% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6456% | 42 |
| Loan loss allowance to noncurrent loans | 209.0090% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 2,595 |
| Noncurrent loans to loans | 2.2227% | 671 |
| Net loans and leases to total assets | 24.7210% | 5,454 |
| Net loans and leases to deposits | 27.7668% | 5,475 |
| Net loans and leases to core deposits | 27.7668% | 5,480 |
| Total domestic deposits to total assets | 89.0308% | 1,078 |
| Equity capital to assets | 10.8602% | 2,714 |
| Core capital (leverage) ratio | 11.6194% | 1,919 |
| Tier 1 risk-based capital ratio | 18.5084% | 1,689 |
| Total risk-based capital ratio | 19.7657% | 1,649 |
| Memoranda: | ||
| Average total assets | $18,650,500 | 5,551 |
| Average earning assets | $17,293,500 | 5,539 |
| Average equity | $2,098,000 | 5,538 |
| Average total loans | $4,985,000 | 5,553 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,783 |
| Cost of funding earning assets | 0.1077% | 5,470 |
| Net interest margin | 3.7746% | 2,521 |
| Noninterest income to average assets | 0.8766% | 1,337 |
| Noninterest expense to average assets | 3.9311% | 590 |
| Loan and lease loss provision to assets | 0.0276% | 3,730 |
| Net operating income to assets | 0.3970% | 4,703 |
| Return on assets (ROA) | 0.4521% | 4,559 |
| Pretax return on assets | 0.4521% | 5,015 |
| Return on Equity (ROE) | 3.7760% | 4,570 |
| Retained earnings to average equity (ytd only) | 0.6447% | 4,784 |
| Net charge-offs to loans | 0.1540% | 1,568 |
| Credit loss provision to net charge-offs | 71.4286% | 3,070 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,613 |
| Efficiency ratio | 90.2532% | 423 |
| Assets per employee ($millions) | 2.0042% | 5,569 |
| Cash dividends to net income (ytd only)* | 82.9268% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7227% | 43 |
| Loan loss allowance to noncurrent loans | 213.6364% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 2,511 |
| Noncurrent loans to loans | 2.2106% | 654 |
| Net loans and leases to total assets | 26.2834% | 5,497 |
| Net loans and leases to deposits | 29.7708% | 5,519 |
| Net loans and leases to core deposits | 29.7708% | 5,533 |
| Total domestic deposits to total assets | 88.2858% | 1,353 |
| Equity capital to assets | 11.6643% | 2,064 |
| Core capital (leverage) ratio | 11.8917% | 1,670 |
| Tier 1 risk-based capital ratio | 18.8634% | 1,538 |
| Total risk-based capital ratio | 20.1204% | 1,503 |
| Memoranda: | ||
| Average total assets | $18,137,600 | 5,617 |
| Average earning assets | $16,717,000 | 5,607 |
| Average equity | $2,171,600 | 5,593 |
| Average total loans | $4,544,200 | 5,622 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 3,964 |
| Cost of funding earning assets | 0.0955% | 5,570 |
| Net interest margin | 3.7156% | 2,697 |
| Noninterest income to average assets | 0.8809% | 1,331 |
| Noninterest expense to average assets | 3.7292% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5799% | 4,459 |
| Return on assets (ROA) | 0.6387% | 4,291 |
| Pretax return on assets | 0.6387% | 4,762 |
| Return on Equity (ROE) | 5.3004% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.3004% | 2,682 |
| Net charge-offs to loans | 0.2705% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.7775% | 2,740 |
| Efficiency ratio | 86.5417% | 598 |
| Assets per employee ($millions) | 1.9904% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7185% | 45 |
| Loan loss allowance to noncurrent loans | 259.0909% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 3,094 |
| Noncurrent loans to loans | 1.8212% | 975 |
| Net loans and leases to total assets | 25.7006% | 5,574 |
| Net loans and leases to deposits | 29.4977% | 5,595 |
| Net loans and leases to core deposits | 29.4977% | 5,611 |
| Total domestic deposits to total assets | 87.1274% | 1,809 |
| Equity capital to assets | 12.6437% | 1,580 |
| Core capital (leverage) ratio | 12.2927% | 1,517 |
| Tier 1 risk-based capital ratio | 20.0563% | 1,350 |
| Total risk-based capital ratio | 21.3183% | 1,316 |
| Memoranda: | ||
| Average total assets | $18,162,500 | 5,681 |
| Average earning assets | $16,757,750 | 5,672 |
| Average equity | $2,188,500 | 5,658 |
| Average total loans | $4,436,250 | 5,689 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,176 |
| Cost of funding earning assets | 0.1072% | 5,570 |
| Net interest margin | 3.6091% | 3,002 |
| Noninterest income to average assets | 0.8660% | 1,371 |
| Noninterest expense to average assets | 3.7051% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4823% | 4,750 |
| Return on assets (ROA) | 0.4823% | 4,784 |
| Pretax return on assets | 0.4823% | 5,033 |
| Return on Equity (ROE) | 4.0684% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.0684% | 3,283 |
| Net charge-offs to loans | 0.0929% | 1,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,727 |
| Efficiency ratio | 88.4817% | 525 |
| Assets per employee ($millions) | 2.0896% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1980% | 35 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 22.7906% | 5,662 |
| Net loans and leases to deposits | 25.9412% | 5,673 |
| Net loans and leases to core deposits | 25.9412% | 5,679 |
| Total domestic deposits to total assets | 87.8549% | 1,530 |
| Equity capital to assets | 11.8792% | 2,018 |
| Core capital (leverage) ratio | 11.5989% | 1,896 |
| Tier 1 risk-based capital ratio | 19.8548% | 1,394 |
| Total risk-based capital ratio | 21.1136% | 1,363 |
| Memoranda: | ||
| Average total assets | $18,245,330 | 5,731 |
| Average earning assets | $16,790,670 | 5,720 |
| Average equity | $2,163,000 | 5,706 |
| Average total loans | $4,304,330 | 5,739 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 4,418 |
| Cost of funding earning assets | 0.0967% | 5,663 |
| Net interest margin | 3.5045% | 3,257 |
| Noninterest income to average assets | 0.9352% | 1,154 |
| Noninterest expense to average assets | 3.7406% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4230% | 4,883 |
| Return on assets (ROA) | 0.4230% | 4,904 |
| Pretax return on assets | 0.4230% | 5,116 |
| Return on Equity (ROE) | 3.5723% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.5723% | 3,653 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8396% | 567 |
| Assets per employee ($millions) | 2.0579% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6721% | 32 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 21.3703% | 5,739 |
| Net loans and leases to deposits | 24.2020% | 5,746 |
| Net loans and leases to core deposits | 24.2020% | 5,748 |
| Total domestic deposits to total assets | 88.2998% | 1,530 |
| Equity capital to assets | 11.5868% | 2,122 |
| Core capital (leverage) ratio | 11.7121% | 1,822 |
| Tier 1 risk-based capital ratio | 20.6520% | 1,278 |
| Total risk-based capital ratio | 21.9191% | 1,249 |
| Memoranda: | ||
| Average total assets | $17,965,000 | 5,803 |
| Average earning assets | $16,550,000 | 5,793 |
| Average equity | $2,127,500 | 5,775 |
| Average total loans | $4,196,000 | 5,808 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 4,557 |
| Cost of funding earning assets | 0.0896% | 5,746 |
| Net interest margin | 3.4939% | 3,454 |
| Noninterest income to average assets | 0.7849% | 1,808 |
| Noninterest expense to average assets | 3.7599% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2360% | 5,339 |
| Return on assets (ROA) | 0.4391% | 4,916 |
| Pretax return on assets | 0.4391% | 5,141 |
| Return on Equity (ROE) | 3.5936% | 4,981 |
| Retained earnings to average equity (ytd only) | 0.4941% | 5,132 |
| Net charge-offs to loans | 0.2645% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.5833% | 3,637 |
| Efficiency ratio | 94.0934% | 375 |
| Assets per employee ($millions) | 1.9343% | 5,802 |
| Cash dividends to net income (ytd only)* | 86.2500% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6482% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 22.7411% | 5,776 |
| Net loans and leases to deposits | 26.2342% | 5,780 |
| Net loans and leases to core deposits | 26.2342% | 5,792 |
| Total domestic deposits to total assets | 86.6850% | 2,294 |
| Equity capital to assets | 12.1144% | 1,736 |
| Core capital (leverage) ratio | 12.0353% | 1,575 |
| Tier 1 risk-based capital ratio | 21.0558% | 1,196 |
| Total risk-based capital ratio | 22.3207% | 1,179 |
| Memoranda: | ||
| Average total assets | $18,218,400 | 5,855 |
| Average earning assets | $16,743,400 | 5,841 |
| Average equity | $2,226,200 | 5,823 |
| Average total loans | $4,537,200 | 5,862 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5979% | 4,558 |
| Cost of funding earning assets | 0.1023% | 5,759 |
| Net interest margin | 3.4956% | 3,484 |
| Noninterest income to average assets | 0.7600% | 1,929 |
| Noninterest expense to average assets | 3.5177% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4560% | 4,848 |
| Return on assets (ROA) | 0.4922% | 4,818 |
| Pretax return on assets | 0.4922% | 5,142 |
| Return on Equity (ROE) | 4.0195% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.0195% | 3,443 |
| Net charge-offs to loans | 0.3749% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.8471% | 3,216 |
| Efficiency ratio | 88.5246% | 646 |
| Assets per employee ($millions) | 1.9719% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4141% | 37 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 23.2321% | 5,831 |
| Net loans and leases to deposits | 26.8372% | 5,842 |
| Net loans and leases to core deposits | 26.8372% | 5,853 |
| Total domestic deposits to total assets | 86.5667% | 2,104 |
| Equity capital to assets | 12.9599% | 1,502 |
| Core capital (leverage) ratio | 12.0095% | 1,674 |
| Tier 1 risk-based capital ratio | 21.2251% | 1,228 |
| Total risk-based capital ratio | 22.4834% | 1,207 |
| Memoranda: | ||
| Average total assets | $18,420,750 | 5,917 |
| Average earning assets | $16,935,500 | 5,905 |
| Average equity | $2,255,500 | 5,884 |
| Average total loans | $4,622,500 | 5,928 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,643 |
| Cost of funding earning assets | 0.1047% | 5,833 |
| Net interest margin | 3.4798% | 3,566 |
| Noninterest income to average assets | 0.7401% | 1,975 |
| Noninterest expense to average assets | 3.4432% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5041% | 4,660 |
| Return on assets (ROA) | 0.5041% | 4,771 |
| Pretax return on assets | 0.5041% | 5,119 |
| Return on Equity (ROE) | 4.1952% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.1952% | 3,234 |
| Net charge-offs to loans | 0.0849% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,587 |
| Efficiency ratio | 87.2283% | 771 |
| Assets per employee ($millions) | 2.0824% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2790% | 41 |
| Loan loss allowance to noncurrent loans | 2,460.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 5,344 |
| Noncurrent loans to loans | 0.2146% | 4,583 |
| Net loans and leases to total assets | 23.5514% | 5,900 |
| Net loans and leases to deposits | 26.9590% | 5,914 |
| Net loans and leases to core deposits | 26.9590% | 5,926 |
| Total domestic deposits to total assets | 87.3599% | 1,734 |
| Equity capital to assets | 12.2185% | 1,961 |
| Core capital (leverage) ratio | 11.3107% | 2,141 |
| Tier 1 risk-based capital ratio | 19.9870% | 1,464 |
| Total risk-based capital ratio | 21.2495% | 1,420 |
| Memoranda: | ||
| Average total assets | $18,645,330 | 5,992 |
| Average earning assets | $17,185,000 | 5,976 |
| Average equity | $2,240,670 | 5,959 |
| Average total loans | $4,710,330 | 6,005 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 4,652 |
| Cost of funding earning assets | 0.1165% | 5,838 |
| Net interest margin | 3.4718% | 3,581 |
| Noninterest income to average assets | 0.7743% | 1,713 |
| Noninterest expense to average assets | 3.4629% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5162% | 4,557 |
| Return on assets (ROA) | 0.5162% | 4,665 |
| Pretax return on assets | 0.5162% | 5,040 |
| Return on Equity (ROE) | 4.3321% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.3321% | 3,315 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0270% | 886 |
| Assets per employee ($millions) | 2.1194% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2833% | 43 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 23.4024% | 5,953 |
| Net loans and leases to deposits | 26.6619% | 5,966 |
| Net loans and leases to core deposits | 27.5165% | 5,966 |
| Total domestic deposits to total assets | 87.7746% | 1,765 |
| Equity capital to assets | 11.8165% | 2,141 |
| Core capital (leverage) ratio | 11.2383% | 2,193 |
| Tier 1 risk-based capital ratio | 21.5849% | 1,219 |
| Total risk-based capital ratio | 22.8516% | 1,196 |
| Memoranda: | ||
| Average total assets | $18,597,000 | 6,053 |
| Average earning assets | $17,167,000 | 6,034 |
| Average equity | $2,216,000 | 6,023 |
| Average total loans | $4,735,500 | 6,066 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 4,273 |
| Cost of funding earning assets | 0.0970% | 5,976 |
| Net interest margin | 3.6338% | 3,002 |
| Noninterest income to average assets | 0.7389% | 2,032 |
| Noninterest expense to average assets | 3.6315% | 1,069 |
| Loan and lease loss provision to assets | 0.0210% | 3,970 |
| Net operating income to assets | 0.4245% | 4,974 |
| Return on assets (ROA) | 0.4402% | 5,002 |
| Pretax return on assets | 0.4402% | 5,247 |
| Return on Equity (ROE) | 3.7658% | 5,040 |
| Retained earnings to average equity (ytd only) | 0.4483% | 5,337 |
| Net charge-offs to loans | 0.0406% | 3,413 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,120 |
| Efficiency ratio | 89.0746% | 751 |
| Assets per employee ($millions) | 2.0132% | 6,049 |
| Cash dividends to net income (ytd only)* | 88.0952% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2333% | 44 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 24.8855% | 5,995 |
| Net loans and leases to deposits | 28.4803% | 6,012 |
| Net loans and leases to core deposits | 29.4475% | 6,011 |
| Total domestic deposits to total assets | 87.3779% | 1,942 |
| Equity capital to assets | 12.0205% | 1,940 |
| Core capital (leverage) ratio | 11.0004% | 2,406 |
| Tier 1 risk-based capital ratio | 26.8251% | 686 |
| Total risk-based capital ratio | 28.0982% | 661 |
| Memoranda: | ||
| Average total assets | $19,083,000 | 6,105 |
| Average earning assets | $17,529,800 | 6,089 |
| Average equity | $2,230,600 | 6,074 |
| Average total loans | $4,931,600 | 6,122 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,331 |
| Cost of funding earning assets | 0.0977% | 6,068 |
| Net interest margin | 3.6309% | 3,029 |
| Noninterest income to average assets | 0.7038% | 2,214 |
| Noninterest expense to average assets | 3.4085% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6279% | 4,250 |
| Return on assets (ROA) | 0.6486% | 4,252 |
| Pretax return on assets | 0.6486% | 4,832 |
| Return on Equity (ROE) | 5.5857% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.5857% | 2,530 |
| Net charge-offs to loans | 0.1608% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.1663% | 2,201 |
| Efficiency ratio | 84.4444% | 1,126 |
| Assets per employee ($millions) | 2.0958% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9304% | 58 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 24.6368% | 6,079 |
| Net loans and leases to deposits | 28.1705% | 6,102 |
| Net loans and leases to core deposits | 28.6392% | 6,111 |
| Total domestic deposits to total assets | 87.4563% | 1,820 |
| Equity capital to assets | 12.2097% | 1,952 |
| Core capital (leverage) ratio | 11.0702% | 2,413 |
| Tier 1 risk-based capital ratio | 26.7459% | 710 |
| Total risk-based capital ratio | 28.0225% | 685 |
| Memoranda: | ||
| Average total assets | $19,324,000 | 6,187 |
| Average earning assets | $17,736,250 | 6,171 |
| Average equity | $2,243,750 | 6,158 |
| Average total loans | $4,975,000 | 6,204 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,279 |
| Cost of funding earning assets | 0.1120% | 6,082 |
| Net interest margin | 3.6277% | 2,985 |
| Noninterest income to average assets | 0.7188% | 2,136 |
| Noninterest expense to average assets | 3.3679% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6777% | 3,986 |
| Return on assets (ROA) | 0.6777% | 4,099 |
| Pretax return on assets | 0.6777% | 4,728 |
| Return on Equity (ROE) | 5.9353% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.9353% | 2,281 |
| Net charge-offs to loans | 0.1599% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,907 |
| Efficiency ratio | 83.2487% | 1,342 |
| Assets per employee ($millions) | 2.1930% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9012% | 65 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 23.8891% | 6,162 |
| Net loans and leases to deposits | 27.0821% | 6,180 |
| Net loans and leases to core deposits | 27.5088% | 6,190 |
| Total domestic deposits to total assets | 88.2100% | 1,545 |
| Equity capital to assets | 11.4810% | 2,433 |
| Core capital (leverage) ratio | 10.4708% | 3,002 |
| Tier 1 risk-based capital ratio | 16.7260% | 2,512 |
| Total risk-based capital ratio | 17.9834% | 2,465 |
| Memoranda: | ||
| Average total assets | $19,478,000 | 6,260 |
| Average earning assets | $17,862,330 | 6,245 |
| Average equity | $2,224,000 | 6,231 |
| Average total loans | $5,004,000 | 6,278 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,899 |
| Cost of funding earning assets | 0.1132% | 6,142 |
| Net interest margin | 3.7136% | 2,573 |
| Noninterest income to average assets | 0.7649% | 1,844 |
| Noninterest expense to average assets | 3.4111% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7442% | 3,572 |
| Return on assets (ROA) | 0.7442% | 3,700 |
| Pretax return on assets | 0.7442% | 4,450 |
| Return on Equity (ROE) | 6.5365% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.5365% | 2,219 |
| Net charge-offs to loans | 0.3183% | 751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,041 |
| Efficiency ratio | 82.0896% | 1,605 |
| Assets per employee ($millions) | 2.2119% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8503% | 75 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 23.9464% | 6,213 |
| Net loans and leases to deposits | 27.0806% | 6,233 |
| Net loans and leases to core deposits | 27.5025% | 6,244 |
| Total domestic deposits to total assets | 88.4262% | 1,587 |
| Equity capital to assets | 11.2373% | 2,713 |
| Core capital (leverage) ratio | 10.5629% | 2,893 |
| Tier 1 risk-based capital ratio | 18.7090% | 1,941 |
| Total risk-based capital ratio | 19.9676% | 1,900 |
| Memoranda: | ||
| Average total assets | $19,348,500 | 6,333 |
| Average earning assets | $17,665,000 | 6,312 |
| Average equity | $2,203,000 | 6,298 |
| Average total loans | $5,027,000 | 6,344 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 4,584 |
| Cost of funding earning assets | 0.1423% | 6,144 |
| Net interest margin | 3.6263% | 3,308 |
| Noninterest income to average assets | 0.7983% | 1,884 |
| Noninterest expense to average assets | 3.6314% | 1,247 |
| Loan and lease loss provision to assets | 0.0522% | 3,509 |
| Net operating income to assets | 0.4383% | 5,076 |
| Return on assets (ROA) | 0.4696% | 5,027 |
| Pretax return on assets | 0.4696% | 5,326 |
| Return on Equity (ROE) | 4.0946% | 5,076 |
| Retained earnings to average equity (ytd only) | 0.4550% | 5,569 |
| Net charge-offs to loans | 0.3202% | 1,380 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 6.2667% | 3,237 |
| Efficiency ratio | 88.1013% | 992 |
| Assets per employee ($millions) | 2.0878% | 6,351 |
| Cash dividends to net income (ytd only)* | 88.8889% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8969% | 78 |
| Loan loss allowance to noncurrent loans | 24,700.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 6,069 |
| Noncurrent loans to loans | 0.0198% | 5,813 |
| Net loans and leases to total assets | 25.5295% | 6,287 |
| Net loans and leases to deposits | 28.9412% | 6,307 |
| Net loans and leases to core deposits | 29.4204% | 6,316 |
| Total domestic deposits to total assets | 88.2118% | 1,654 |
| Equity capital to assets | 11.5434% | 2,395 |
| Core capital (leverage) ratio | 11.1494% | 2,260 |
| Tier 1 risk-based capital ratio | 21.4782% | 1,316 |
| Total risk-based capital ratio | 22.7459% | 1,283 |
| Memoranda: | ||
| Average total assets | $19,166,400 | 6,426 |
| Average earning assets | $17,566,200 | 6,404 |
| Average equity | $2,198,000 | 6,381 |
| Average total loans | $4,684,600 | 6,441 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,962 |
| Cost of funding earning assets | 0.1429% | 6,228 |
| Net interest margin | 3.5201% | 3,754 |
| Noninterest income to average assets | 0.7822% | 1,959 |
| Noninterest expense to average assets | 3.3989% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6230% | 4,336 |
| Return on assets (ROA) | 0.6230% | 4,435 |
| Pretax return on assets | 0.6230% | 4,957 |
| Return on Equity (ROE) | 5.4416% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.4416% | 2,800 |
| Net charge-offs to loans | 0.2322% | 1,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.2465% | 2,447 |
| Efficiency ratio | 84.5095% | 1,328 |
| Assets per employee ($millions) | 2.0236% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2003% | 68 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 24.4235% | 6,380 |
| Net loans and leases to deposits | 28.0773% | 6,392 |
| Net loans and leases to core deposits | 28.5641% | 6,406 |
| Total domestic deposits to total assets | 86.9866% | 2,328 |
| Equity capital to assets | 12.2721% | 1,849 |
| Core capital (leverage) ratio | 11.3793% | 2,151 |
| Tier 1 risk-based capital ratio | 21.6267% | 1,318 |
| Total risk-based capital ratio | 22.8948% | 1,296 |
| Memoranda: | ||
| Average total assets | $19,260,500 | 6,500 |
| Average earning assets | $17,726,000 | 6,479 |
| Average equity | $2,205,250 | 6,457 |
| Average total loans | $4,594,750 | 6,522 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 5,283 |
| Cost of funding earning assets | 0.1549% | 6,239 |
| Net interest margin | 3.3973% | 4,186 |
| Noninterest income to average assets | 0.7649% | 1,985 |
| Noninterest expense to average assets | 3.2534% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6425% | 4,140 |
| Return on assets (ROA) | 0.6731% | 4,071 |
| Pretax return on assets | 0.6731% | 4,727 |
| Return on Equity (ROE) | 6.0128% | 4,143 |
| Retained earnings to average equity (ytd only) | 6.0128% | 2,320 |
| Net charge-offs to loans | 0.0438% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 780 |
| Efficiency ratio | 83.5079% | 1,568 |
| Assets per employee ($millions) | 2.2713% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3651% | 69 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 21.7444% | 6,486 |
| Net loans and leases to deposits | 24.4486% | 6,510 |
| Net loans and leases to core deposits | 24.8172% | 6,511 |
| Total domestic deposits to total assets | 88.9394% | 1,391 |
| Equity capital to assets | 10.8258% | 3,059 |
| Core capital (leverage) ratio | 10.4091% | 3,075 |
| Tier 1 risk-based capital ratio | 22.1207% | 1,242 |
| Total risk-based capital ratio | 23.3833% | 1,221 |
| Memoranda: | ||
| Average total assets | $19,610,000 | 6,560 |
| Average earning assets | $18,073,000 | 6,537 |
| Average equity | $2,195,330 | 6,517 |
| Average total loans | $4,562,330 | 6,586 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 4,954 |
| Cost of funding earning assets | 0.1811% | 6,154 |
| Net interest margin | 3.4855% | 3,761 |
| Noninterest income to average assets | 0.8128% | 1,705 |
| Noninterest expense to average assets | 3.2719% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7502% | 3,417 |
| Return on assets (ROA) | 0.7502% | 3,499 |
| Pretax return on assets | 0.7502% | 4,312 |
| Return on Equity (ROE) | 6.5859% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.5859% | 2,234 |
| Net charge-offs to loans | 0.1780% | 1,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,435 |
| Efficiency ratio | 81.3472% | 2,006 |
| Assets per employee ($millions) | 0.9616% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8062% | 58 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 20.1644% | 6,573 |
| Net loans and leases to deposits | 22.7055% | 6,593 |
| Net loans and leases to core deposits | 23.0525% | 6,594 |
| Total domestic deposits to total assets | 88.8086% | 1,771 |
| Equity capital to assets | 10.9240% | 2,791 |
| Core capital (leverage) ratio | 10.7186% | 2,681 |
| Tier 1 risk-based capital ratio | 23.2586% | 1,107 |
| Total risk-based capital ratio | 24.5271% | 1,087 |
| Memoranda: | ||
| Average total assets | $19,194,000 | 6,642 |
| Average earning assets | $17,673,000 | 6,613 |
| Average equity | $2,186,500 | 6,577 |
| Average total loans | $4,495,000 | 6,660 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 3,173 |
| Cost of funding earning assets | 0.2089% | 6,237 |
| Net interest margin | 4.0358% | 1,850 |
| Noninterest income to average assets | 0.9010% | 1,674 |
| Noninterest expense to average assets | 4.0631% | 811 |
| Loan and lease loss provision to assets | 0.0560% | 4,030 |
| Net operating income to assets | 0.5093% | 4,691 |
| Return on assets (ROA) | 0.6212% | 4,275 |
| Pretax return on assets | 0.5708% | 4,967 |
| Return on Equity (ROE) | 4.9137% | 4,672 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7531% | 1,134 |
| Assets per employee ($millions) | 0.8664% | 6,760 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4210% | 73 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 24.2607% | 6,598 |
| Net loans and leases to deposits | 27.6307% | 6,615 |
| Net loans and leases to core deposits | 28.1057% | 6,625 |
| Total domestic deposits to total assets | 87.8037% | 2,303 |
| Equity capital to assets | 11.9105% | 1,857 |
| Core capital (leverage) ratio | 11.3499% | 2,073 |
| Tier 1 risk-based capital ratio | 21.5278% | 1,333 |
| Total risk-based capital ratio | 22.7942% | 1,310 |
| Memoranda: | ||
| Average total assets | $17,868,200 | 6,729 |
| Average earning assets | $16,279,400 | 6,715 |
| Average equity | $2,259,000 | 6,654 |
| Average total loans | $4,700,200 | 6,742 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 3,005 |
| Cost of funding earning assets | 0.2145% | 6,324 |
| Net interest margin | 4.0827% | 1,682 |
| Noninterest income to average assets | 1.1319% | 1,142 |
| Noninterest expense to average assets | 3.9504% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8920% | 2,872 |
| Return on assets (ROA) | 0.8995% | 2,956 |
| Pretax return on assets | 0.8995% | 3,887 |
| Return on Equity (ROE) | 7.0114% | 3,640 |
| Retained earnings to average equity (ytd only) | 7.0114% | 1,869 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5789% | 1,887 |
| Assets per employee ($millions) | 0.8688% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0279% | 111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 25.1590% | 6,666 |
| Net loans and leases to deposits | 28.7828% | 6,687 |
| Net loans and leases to core deposits | 29.2786% | 6,691 |
| Total domestic deposits to total assets | 87.4096% | 2,458 |
| Equity capital to assets | 12.3438% | 1,678 |
| Core capital (leverage) ratio | 12.3038% | 1,518 |
| Tier 1 risk-based capital ratio | 23.0914% | 1,127 |
| Total risk-based capital ratio | 24.3551% | 1,113 |
| Memoranda: | ||
| Average total assets | $17,786,750 | 6,806 |
| Average earning assets | $16,165,250 | 6,795 |
| Average equity | $2,282,000 | 6,731 |
| Average total loans | $4,708,500 | 6,818 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 2,195 |
| Cost of funding earning assets | 0.2251% | 6,342 |
| Net interest margin | 4.2769% | 1,078 |
| Noninterest income to average assets | 1.0094% | 1,508 |
| Noninterest expense to average assets | 3.9355% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9527% | 2,558 |
| Return on assets (ROA) | 0.9640% | 2,644 |
| Pretax return on assets | 0.9640% | 3,663 |
| Return on Equity (ROE) | 7.4171% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.4171% | 1,705 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5104% | 2,088 |
| Assets per employee ($millions) | 0.8490% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9200% | 120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.3391% | 6,678 |
| Net loans and leases to deposits | 30.2870% | 6,692 |
| Net loans and leases to core deposits | 30.8238% | 6,703 |
| Total domestic deposits to total assets | 86.9651% | 2,840 |
| Equity capital to assets | 12.6816% | 1,479 |
| Core capital (leverage) ratio | 11.8490% | 1,699 |
| Tier 1 risk-based capital ratio | 21.7457% | 1,346 |
| Total risk-based capital ratio | 23.0054% | 1,314 |
| Memoranda: | ||
| Average total assets | $17,634,330 | 6,858 |
| Average earning assets | $15,993,000 | 6,845 |
| Average equity | $2,292,000 | 6,781 |
| Average total loans | $4,667,000 | 6,867 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,831 |
| Cost of funding earning assets | 0.2273% | 6,431 |
| Net interest margin | 4.3690% | 849 |
| Noninterest income to average assets | 1.0720% | 1,294 |
| Noninterest expense to average assets | 4.1512% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8667% | 2,828 |
| Return on assets (ROA) | 0.8895% | 2,848 |
| Pretax return on assets | 0.8895% | 3,799 |
| Return on Equity (ROE) | 6.7606% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.7606% | 2,274 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7273% | 1,928 |
| Assets per employee ($millions) | 0.8457% | 6,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3185% | 108 |
| Loan loss allowance to noncurrent loans | 24,300.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,615 |
| Noncurrent loans to loans | 0.0219% | 6,430 |
| Net loans and leases to total assets | 24.3581% | 6,763 |
| Net loans and leases to deposits | 28.2579% | 6,779 |
| Net loans and leases to core deposits | 28.7652% | 6,787 |
| Total domestic deposits to total assets | 86.1993% | 3,416 |
| Equity capital to assets | 13.1588% | 1,354 |
| Core capital (leverage) ratio | 11.7966% | 1,679 |
| Tier 1 risk-based capital ratio | 22.2245% | 1,289 |
| Total risk-based capital ratio | 23.4871% | 1,262 |
| Memoranda: | ||
| Average total assets | $17,537,000 | 6,930 |
| Average earning assets | $15,839,000 | 6,920 |
| Average equity | $2,307,500 | 6,846 |
| Average total loans | $4,531,000 | 6,942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 2,145 |
| Cost of funding earning assets | 0.2849% | 6,525 |
| Net interest margin | 4.5266% | 898 |
| Noninterest income to average assets | 0.9670% | 1,645 |
| Noninterest expense to average assets | 4.4746% | 591 |
| Loan and lease loss provision to assets | 0.0572% | 5,060 |
| Net operating income to assets | 0.4578% | 4,847 |
| Return on assets (ROA) | 0.4578% | 5,099 |
| Pretax return on assets | 0.5264% | 5,200 |
| Return on Equity (ROE) | 3.4182% | 5,383 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.1973% | 3,799 |
| Credit loss provision to net charge-offs | 111.1111% | 2,626 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 2,043 |
| Efficiency ratio | 88.4615% | 1,198 |
| Assets per employee ($millions) | 0.8245% | 7,028 |
| Cash dividends to net income (ytd only)* | 100.0000% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4084% | 101 |
| Loan loss allowance to noncurrent loans | 24,300.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,682 |
| Noncurrent loans to loans | 0.0223% | 6,475 |
| Net loans and leases to total assets | 24.5466% | 6,846 |
| Net loans and leases to deposits | 28.5292% | 6,861 |
| Net loans and leases to core deposits | 29.8728% | 6,846 |
| Total domestic deposits to total assets | 86.0402% | 3,342 |
| Equity capital to assets | 13.1570% | 1,373 |
| Core capital (leverage) ratio | 11.7340% | 1,718 |
| Tier 1 risk-based capital ratio | 21.8587% | 1,290 |
| Total risk-based capital ratio | 23.1236% | 1,256 |
| Memoranda: | ||
| Average total assets | $17,476,400 | 6,995 |
| Average earning assets | $15,795,400 | 6,983 |
| Average equity | $2,340,400 | 6,911 |
| Average total loans | $4,561,800 | 7,013 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 1,938 |
| Cost of funding earning assets | 0.3033% | 6,603 |
| Net interest margin | 4.6171% | 790 |
| Noninterest income to average assets | 0.9895% | 1,535 |
| Noninterest expense to average assets | 4.2015% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9591% | 2,710 |
| Return on assets (ROA) | 0.9591% | 2,925 |
| Pretax return on assets | 0.9591% | 3,882 |
| Return on Equity (ROE) | 7.1307% | 3,738 |
| Retained earnings to average equity (ytd only) | 7.1307% | 2,046 |
| Net charge-offs to loans | 0.2621% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,871 |
| Efficiency ratio | 81.4159% | 1,881 |
| Assets per employee ($millions) | 0.8247% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0929% | 137 |
| Loan loss allowance to noncurrent loans | 11,650.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 6,753 |
| Noncurrent loans to loans | 0.0437% | 6,509 |
| Net loans and leases to total assets | 25.0707% | 6,941 |
| Net loans and leases to deposits | 29.4953% | 6,961 |
| Net loans and leases to core deposits | 30.9017% | 6,951 |
| Total domestic deposits to total assets | 84.9991% | 3,742 |
| Equity capital to assets | 14.1001% | 1,120 |
| Core capital (leverage) ratio | 12.6260% | 1,351 |
| Tier 1 risk-based capital ratio | 23.5076% | 1,089 |
| Total risk-based capital ratio | 24.7694% | 1,068 |
| Memoranda: | ||
| Average total assets | $17,517,000 | 7,089 |
| Average earning assets | $15,824,750 | 7,076 |
| Average equity | $2,356,000 | 6,999 |
| Average total loans | $4,579,000 | 7,105 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 1,812 |
| Cost of funding earning assets | 0.3276% | 6,610 |
| Net interest margin | 4.6617% | 729 |
| Noninterest income to average assets | 0.9668% | 1,554 |
| Noninterest expense to average assets | 4.1290% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0465% | 2,260 |
| Return on assets (ROA) | 1.0465% | 2,489 |
| Pretax return on assets | 1.0465% | 3,535 |
| Return on Equity (ROE) | 7.9061% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.9061% | 1,675 |
| Net charge-offs to loans | 0.3930% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.2222% | 2,083 |
| Efficiency ratio | 79.7802% | 2,219 |
| Assets per employee ($millions) | 0.8493% | 7,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0172% | 163 |
| Loan loss allowance to noncurrent loans | 2,588.8889% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 6,699 |
| Noncurrent loans to loans | 0.1938% | 6,198 |
| Net loans and leases to total assets | 24.7309% | 7,014 |
| Net loans and leases to deposits | 28.8188% | 7,027 |
| Net loans and leases to core deposits | 30.1380% | 7,019 |
| Total domestic deposits to total assets | 85.8152% | 3,443 |
| Equity capital to assets | 13.3718% | 1,354 |
| Core capital (leverage) ratio | 11.9140% | 1,646 |
| Tier 1 risk-based capital ratio | 23.0639% | 1,122 |
| Total risk-based capital ratio | 24.3317% | 1,103 |
| Memoranda: | ||
| Average total assets | $17,583,000 | 7,151 |
| Average earning assets | $15,874,000 | 7,134 |
| Average equity | $2,327,330 | 7,049 |
| Average total loans | $4,580,330 | 7,165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 1,898 |
| Cost of funding earning assets | 0.3297% | 6,730 |
| Net interest margin | 4.6666% | 731 |
| Noninterest income to average assets | 1.0311% | 1,351 |
| Noninterest expense to average assets | 4.1475% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0999% | 2,082 |
| Return on assets (ROA) | 1.0999% | 2,272 |
| Pretax return on assets | 1.0999% | 3,324 |
| Return on Equity (ROE) | 8.3533% | 3,120 |
| Retained earnings to average equity (ytd only) | 8.3533% | 1,837 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0393% | 2,348 |
| Assets per employee ($millions) | 0.8553% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4431% | 121 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,900 |
| Noncurrent loans to loans | 0.0450% | 6,638 |
| Net loans and leases to total assets | 23.4050% | 7,093 |
| Net loans and leases to deposits | 27.0580% | 7,110 |
| Net loans and leases to core deposits | 28.2774% | 7,099 |
| Total domestic deposits to total assets | 86.4993% | 3,242 |
| Equity capital to assets | 12.8326% | 1,523 |
| Core capital (leverage) ratio | 11.8393% | 1,683 |
| Tier 1 risk-based capital ratio | 23.2601% | 1,100 |
| Total risk-based capital ratio | 24.5324% | 1,076 |
| Memoranda: | ||
| Average total assets | $17,456,500 | 7,213 |
| Average earning assets | $15,771,500 | 7,199 |
| Average equity | $2,298,500 | 7,107 |
| Average total loans | $4,548,500 | 7,227 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5721% | 1,008 |
| Cost of funding earning assets | 0.4972% | 6,544 |
| Net interest margin | 5.0749% | 352 |
| Noninterest income to average assets | 1.0733% | 1,160 |
| Noninterest expense to average assets | 4.8183% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7629% | 3,204 |
| Return on assets (ROA) | 0.9275% | 2,615 |
| Pretax return on assets | 1.0208% | 3,164 |
| Return on Equity (ROE) | 6.8083% | 3,487 |
| Retained earnings to average equity (ytd only) | 0.4710% | 5,618 |
| Net charge-offs to loans | -0.0396% | 7,029 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1546% | 1,657 |
| Assets per employee ($millions) | 0.8072% | 7,306 |
| Cash dividends to net income (ytd only)* | 93.0818% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2032% | 159 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 6,958 |
| Noncurrent loans to loans | 0.0430% | 6,715 |
| Net loans and leases to total assets | 26.0103% | 7,119 |
| Net loans and leases to deposits | 30.4174% | 7,125 |
| Net loans and leases to core deposits | 31.8915% | 7,114 |
| Total domestic deposits to total assets | 85.5112% | 3,589 |
| Equity capital to assets | 13.5213% | 1,253 |
| Core capital (leverage) ratio | 12.0248% | 1,577 |
| Tier 1 risk-based capital ratio | 22.6372% | 1,142 |
| Total risk-based capital ratio | 23.9039% | 1,117 |
| Memoranda: | ||
| Average total assets | $17,143,000 | 7,258 |
| Average earning assets | $15,488,000 | 7,242 |
| Average equity | $2,335,400 | 7,158 |
| Average total loans | $5,051,400 | 7,267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 1,086 |
| Cost of funding earning assets | 0.6005% | 6,285 |
| Net interest margin | 4.9756% | 437 |
| Noninterest income to average assets | 1.3340% | 736 |
| Noninterest expense to average assets | 4.6225% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2099% | 1,628 |
| Return on assets (ROA) | 1.2099% | 1,735 |
| Pretax return on assets | 1.2099% | 2,598 |
| Return on Equity (ROE) | 8.8648% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.8648% | 1,194 |
| Net charge-offs to loans | -0.0518% | 7,056 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2553% | 2,369 |
| Assets per employee ($millions) | 0.8260% | 7,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7238% | 226 |
| Loan loss allowance to noncurrent loans | 234.9515% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 5,630 |
| Noncurrent loans to loans | 2.0105% | 3,351 |
| Net loans and leases to total assets | 28.1391% | 7,142 |
| Net loans and leases to deposits | 33.1702% | 7,154 |
| Net loans and leases to core deposits | 34.7526% | 7,149 |
| Total domestic deposits to total assets | 84.8322% | 3,857 |
| Equity capital to assets | 14.1762% | 1,090 |
| Core capital (leverage) ratio | 12.7947% | 1,303 |
| Tier 1 risk-based capital ratio | 23.0801% | 1,140 |
| Total risk-based capital ratio | 24.3497% | 1,118 |
| Memoranda: | ||
| Average total assets | $17,191,000 | 7,329 |
| Average earning assets | $15,542,000 | 7,317 |
| Average equity | $2,346,250 | 7,223 |
| Average total loans | $5,151,500 | 7,338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5565% | 1,158 |
| Cost of funding earning assets | 0.6188% | 6,368 |
| Net interest margin | 4.9377% | 447 |
| Noninterest income to average assets | 1.0152% | 1,287 |
| Noninterest expense to average assets | 4.5043% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9802% | 2,311 |
| Return on assets (ROA) | 0.9802% | 2,411 |
| Pretax return on assets | 0.9802% | 3,312 |
| Return on Equity (ROE) | 7.2769% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.2769% | 1,752 |
| Net charge-offs to loans | -0.0775% | 7,109 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1277% | 2,082 |
| Assets per employee ($millions) | 0.8402% | 7,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8361% | 209 |
| Loan loss allowance to noncurrent loans | 138.2857% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 4,883 |
| Noncurrent loans to loans | 3.4972% | 2,021 |
| Net loans and leases to total assets | 26.9878% | 7,264 |
| Net loans and leases to deposits | 31.5343% | 7,278 |
| Net loans and leases to core deposits | 32.9984% | 7,278 |
| Total domestic deposits to total assets | 85.5823% | 3,576 |
| Equity capital to assets | 13.4599% | 1,318 |
| Core capital (leverage) ratio | 12.2019% | 1,504 |
| Tier 1 risk-based capital ratio | 22.1223% | 1,239 |
| Total risk-based capital ratio | 23.3899% | 1,204 |
| Memoranda: | ||
| Average total assets | $17,139,330 | 7,403 |
| Average earning assets | $15,513,330 | 7,391 |
| Average equity | $2,308,670 | 7,290 |
| Average total loans | $5,161,000 | 7,410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 1,042 |
| Cost of funding earning assets | 0.5762% | 6,706 |
| Net interest margin | 5.0283% | 359 |
| Noninterest income to average assets | 1.1133% | 1,056 |
| Noninterest expense to average assets | 4.5480% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1133% | 1,794 |
| Return on assets (ROA) | 1.1133% | 1,846 |
| Pretax return on assets | 1.1133% | 2,711 |
| Return on Equity (ROE) | 8.2619% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.2619% | 1,629 |
| Net charge-offs to loans | -0.0763% | 7,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3347% | 2,467 |
| Assets per employee ($millions) | 0.8246% | 7,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7460% | 234 |
| Loan loss allowance to noncurrent loans | 151.5723% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 5,060 |
| Noncurrent loans to loans | 3.1312% | 2,400 |
| Net loans and leases to total assets | 27.9321% | 7,297 |
| Net loans and leases to deposits | 32.6758% | 7,300 |
| Net loans and leases to core deposits | 33.5833% | 7,314 |
| Total domestic deposits to total assets | 85.4825% | 3,791 |
| Equity capital to assets | 13.3568% | 1,237 |
| Core capital (leverage) ratio | 12.2700% | 1,420 |
| Tier 1 risk-based capital ratio | 22.1770% | 1,202 |
| Total risk-based capital ratio | 23.4386% | 1,176 |
| Memoranda: | ||
| Average total assets | $16,886,500 | 7,466 |
| Average earning assets | $15,273,500 | 7,452 |
| Average equity | $2,275,500 | 7,349 |
| Average total loans | $5,239,500 | 7,467 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7138% | 1,522 |
| Cost of funding earning assets | 0.6312% | 7,060 |
| Net interest margin | 5.0826% | 368 |
| Noninterest income to average assets | 1.0949% | 1,245 |
| Noninterest expense to average assets | 4.6934% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7946% | 2,829 |
| Return on assets (ROA) | 0.6747% | 3,464 |
| Pretax return on assets | 0.8286% | 3,536 |
| Return on Equity (ROE) | 4.8589% | 4,132 |
| Retained earnings to average equity (ytd only) | 0.5967% | 5,286 |
| Net charge-offs to loans | 0.2894% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,648 |
| Efficiency ratio | 82.7766% | 2,071 |
| Assets per employee ($millions) | 0.7836% | 7,604 |
| Cash dividends to net income (ytd only)* | 87.7193% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4436% | 281 |
| Loan loss allowance to noncurrent loans | 142.0118% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 4,946 |
| Noncurrent loans to loans | 3.1291% | 2,438 |
| Net loans and leases to total assets | 31.3624% | 7,307 |
| Net loans and leases to deposits | 38.3575% | 7,296 |
| Net loans and leases to core deposits | 38.3575% | 7,343 |
| Total domestic deposits to total assets | 81.7635% | 5,253 |
| Equity capital to assets | 13.5999% | 1,153 |
| Core capital (leverage) ratio | 12.1723% | 1,448 |
| Tier 1 risk-based capital ratio | 20.8563% | 1,339 |
| Total risk-based capital ratio | 22.1197% | 1,313 |
| Memoranda: | ||
| Average total assets | $16,896,000 | 7,537 |
| Average earning assets | $15,208,800 | 7,521 |
| Average equity | $2,346,200 | 7,439 |
| Average total loans | $5,183,200 | 7,554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9142% | 1,103 |
| Cost of funding earning assets | 0.6533% | 7,171 |
| Net interest margin | 5.2609% | 261 |
| Noninterest income to average assets | 1.0506% | 1,307 |
| Noninterest expense to average assets | 4.4532% | 629 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3328% | 1,273 |
| Return on assets (ROA) | 1.1290% | 1,911 |
| Pretax return on assets | 1.1290% | 2,736 |
| Return on Equity (ROE) | 8.0902% | 2,862 |
| Retained earnings to average equity (ytd only) | 6.9104% | 1,897 |
| Net charge-offs to loans | 0.2860% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 15.4506% | 1,440 |
| Efficiency ratio | 76.9648% | 2,766 |
| Assets per employee ($millions) | 0.7792% | 7,710 |
| Cash dividends to net income (ytd only)* | 14.5833% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7517% | 209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 29.8906% | 7,472 |
| Net loans and leases to deposits | 35.4369% | 7,485 |
| Net loans and leases to core deposits | 35.4369% | 7,512 |
| Total domestic deposits to total assets | 84.3488% | 3,939 |
| Equity capital to assets | 14.7100% | 963 |
| Core capital (leverage) ratio | 13.1407% | 1,174 |
| Tier 1 risk-based capital ratio | 22.9348% | 1,080 |
| Total risk-based capital ratio | 24.2009% | 1,048 |
| Memoranda: | ||
| Average total assets | $17,006,000 | 7,628 |
| Average earning assets | $15,307,500 | 7,612 |
| Average equity | $2,373,250 | 7,525 |
| Average total loans | $5,128,750 | 7,653 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8762% | 1,239 |
| Cost of funding earning assets | 0.6830% | 7,227 |
| Net interest margin | 5.1932% | 287 |
| Noninterest income to average assets | 1.0685% | 1,174 |
| Noninterest expense to average assets | 4.4018% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3472% | 1,198 |
| Return on assets (ROA) | 1.1730% | 1,701 |
| Pretax return on assets | 1.1730% | 2,503 |
| Return on Equity (ROE) | 8.5521% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.5521% | 1,249 |
| Net charge-offs to loans | 0.8192% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.5238% | 2,649 |
| Efficiency ratio | 76.5657% | 2,971 |
| Assets per employee ($millions) | 0.8120% | 7,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5775% | 239 |
| Loan loss allowance to noncurrent loans | 1,462.5000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 7,165 |
| Noncurrent loans to loans | 0.3130% | 6,600 |
| Net loans and leases to total assets | 28.6083% | 7,566 |
| Net loans and leases to deposits | 33.5488% | 7,586 |
| Net loans and leases to core deposits | 33.5488% | 7,613 |
| Total domestic deposits to total assets | 85.2736% | 3,480 |
| Equity capital to assets | 13.8995% | 1,208 |
| Core capital (leverage) ratio | 12.4701% | 1,420 |
| Tier 1 risk-based capital ratio | 22.3504% | 1,150 |
| Total risk-based capital ratio | 23.6165% | 1,125 |
| Memoranda: | ||
| Average total assets | $17,220,330 | 7,686 |
| Average earning assets | $15,520,330 | 7,667 |
| Average equity | $2,362,000 | 7,586 |
| Average total loans | $5,126,670 | 7,720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8916% | 1,217 |
| Cost of funding earning assets | 0.7204% | 7,292 |
| Net interest margin | 5.1712% | 309 |
| Noninterest income to average assets | 1.1095% | 1,024 |
| Noninterest expense to average assets | 4.2993% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4562% | 972 |
| Return on assets (ROA) | 1.1095% | 1,883 |
| Pretax return on assets | 1.1095% | 2,702 |
| Return on Equity (ROE) | 8.1425% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.1425% | 1,651 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6988% | 3,450 |
| Assets per employee ($millions) | 0.8245% | 7,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9971% | 176 |
| Loan loss allowance to noncurrent loans | 671.0526% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 6,909 |
| Noncurrent loans to loans | 0.7447% | 5,831 |
| Net loans and leases to total assets | 28.0005% | 7,670 |
| Net loans and leases to deposits | 34.1818% | 7,658 |
| Net loans and leases to core deposits | 34.1818% | 7,681 |
| Total domestic deposits to total assets | 81.9164% | 5,107 |
| Equity capital to assets | 13.9540% | 1,157 |
| Core capital (leverage) ratio | 12.2133% | 1,540 |
| Tier 1 risk-based capital ratio | 21.8035% | 1,224 |
| Total risk-based capital ratio | 23.0699% | 1,214 |
| Memoranda: | ||
| Average total assets | $17,305,000 | 7,786 |
| Average earning assets | $15,547,500 | 7,769 |
| Average equity | $2,358,000 | 7,675 |
| Average total loans | $5,134,000 | 7,818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1105% | 1,486 |
| Cost of funding earning assets | 0.8264% | 7,514 |
| Net interest margin | 5.2841% | 249 |
| Noninterest income to average assets | 1.1146% | 1,234 |
| Noninterest expense to average assets | 4.5514% | 757 |
| Loan and lease loss provision to assets | 0.5341% | 3,702 |
| Net operating income to assets | 0.7431% | 2,754 |
| Return on assets (ROA) | 0.6212% | 3,317 |
| Pretax return on assets | 0.6212% | 3,844 |
| Return on Equity (ROE) | 4.7789% | 3,765 |
| Retained earnings to average equity (ytd only) | -0.5806% | 5,133 |
| Net charge-offs to loans | 0.1824% | 5,509 |
| Credit loss provision to net charge-offs | 1,022.2222% | 286 |
| Earnings coverage of net charge-offs (x) | 24.4444% | 905 |
| Efficiency ratio | 78.0876% | 3,176 |
| Assets per employee ($millions) | 0.8236% | 7,961 |
| Cash dividends to net income (ytd only)* | 112.1495% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9371% | 181 |
| Loan loss allowance to noncurrent loans | 750.0000% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 6,974 |
| Noncurrent loans to loans | 0.6583% | 5,923 |
| Net loans and leases to total assets | 28.3881% | 7,746 |
| Net loans and leases to deposits | 35.9786% | 7,726 |
| Net loans and leases to core deposits | 39.4917% | 7,765 |
| Total domestic deposits to total assets | 78.9026% | 6,005 |
| Equity capital to assets | 13.2979% | 1,396 |
| Core capital (leverage) ratio | 11.9135% | 1,701 |
| Tier 1 risk-based capital ratio | 21.0404% | 1,280 |
| Total risk-based capital ratio | 22.3107% | 1,252 |
| Memoranda: | ||
| Average total assets | $17,225,600 | 7,848 |
| Average earning assets | $15,367,000 | 7,835 |
| Average equity | $2,239,000 | 7,793 |
| Average total loans | $4,933,000 | 7,894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8807% | 2,529 |
| Cost of funding earning assets | 0.8500% | 7,627 |
| Net interest margin | 5.0306% | 416 |
| Noninterest income to average assets | 1.1080% | 1,286 |
| Noninterest expense to average assets | 4.1763% | 1,057 |
| Loan and lease loss provision to assets | 0.0775% | 6,593 |
| Net operating income to assets | 1.3482% | 1,126 |
| Return on assets (ROA) | 1.3404% | 1,200 |
| Pretax return on assets | 1.3404% | 1,845 |
| Return on Equity (ROE) | 10.3726% | 1,796 |
| Retained earnings to average equity (ytd only) | 10.3726% | 565 |
| Net charge-offs to loans | 0.1914% | 4,869 |
| Credit loss provision to net charge-offs | 142.8571% | 3,426 |
| Earnings coverage of net charge-offs (x) | 26.2947% | 1,025 |
| Efficiency ratio | 74.5505% | 3,773 |
| Assets per employee ($millions) | 1.4554% | 7,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4681% | 432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 27.8901% | 7,847 |
| Net loans and leases to deposits | 35.5547% | 7,834 |
| Net loans and leases to core deposits | 39.0117% | 7,862 |
| Total domestic deposits to total assets | 78.4426% | 5,967 |
| Equity capital to assets | 14.1254% | 1,265 |
| Core capital (leverage) ratio | 13.1425% | 1,338 |
| Tier 1 risk-based capital ratio | 22.6801% | 1,150 |
| Total risk-based capital ratio | 23.9373% | 1,125 |
| Memoranda: | ||
| Average total assets | $17,208,000 | 7,926 |
| Average earning assets | $15,372,000 | 7,915 |
| Average equity | $2,223,750 | 7,876 |
| Average total loans | $4,875,000 | 7,973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7735% | 3,171 |
| Cost of funding earning assets | 0.8882% | 7,712 |
| Net interest margin | 4.8853% | 556 |
| Noninterest income to average assets | 1.1447% | 1,196 |
| Noninterest expense to average assets | 4.1466% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3666% | 1,089 |
| Return on assets (ROA) | 1.3666% | 1,159 |
| Pretax return on assets | 1.3666% | 1,815 |
| Return on Equity (ROE) | 10.9210% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.9210% | 576 |
| Net charge-offs to loans | 0.0415% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 328 |
| Efficiency ratio | 75.2119% | 3,844 |
| Assets per employee ($millions) | 1.4602% | 8,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4984% | 380 |
| Loan loss allowance to noncurrent loans | 1,068.7500% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 7,356 |
| Noncurrent loans to loans | 0.3273% | 6,693 |
| Net loans and leases to total assets | 26.9204% | 7,949 |
| Net loans and leases to deposits | 31.0615% | 7,979 |
| Net loans and leases to core deposits | 33.5419% | 8,007 |
| Total domestic deposits to total assets | 86.6682% | 2,420 |
| Equity capital to assets | 12.9780% | 1,702 |
| Core capital (leverage) ratio | 12.4965% | 1,625 |
| Tier 1 risk-based capital ratio | 22.2814% | 1,212 |
| Total risk-based capital ratio | 23.4874% | 1,190 |
| Memoranda: | ||
| Average total assets | $17,122,330 | 8,010 |
| Average earning assets | $15,311,330 | 8,000 |
| Average equity | $2,142,670 | 7,975 |
| Average total loans | $4,818,000 | 8,062 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 4,061 |
| Cost of funding earning assets | 0.9237% | 7,784 |
| Net interest margin | 4.7240% | 733 |
| Noninterest income to average assets | 1.1819% | 1,050 |
| Noninterest expense to average assets | 4.2311% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1819% | 1,706 |
| Return on assets (ROA) | 1.1819% | 1,815 |
| Pretax return on assets | 1.1819% | 2,678 |
| Return on Equity (ROE) | 9.6293% | 2,483 |
| Retained earnings to average equity (ytd only) | 9.6293% | 1,303 |
| Net charge-offs to loans | 0.1673% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,221 |
| Efficiency ratio | 78.1659% | 3,135 |
| Assets per employee ($millions) | 1.4963% | 8,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5587% | 309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 25.6572% | 8,008 |
| Net loans and leases to deposits | 29.1066% | 8,054 |
| Net loans and leases to core deposits | 31.8229% | 8,070 |
| Total domestic deposits to total assets | 88.1488% | 1,682 |
| Equity capital to assets | 11.7732% | 2,397 |
| Core capital (leverage) ratio | 12.6441% | 1,626 |
| Tier 1 risk-based capital ratio | 21.4742% | 1,374 |
| Total risk-based capital ratio | 22.7327% | 1,340 |
| Memoranda: | ||
| Average total assets | $16,922,500 | 8,065 |
| Average earning assets | $15,156,500 | 8,048 |
| Average equity | $2,077,000 | 8,041 |
| Average total loans | $4,783,000 | 8,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8342% | 6,318 |
| Cost of funding earning assets | 1.6107% | 7,426 |
| Net interest margin | 4.2234% | 2,213 |
| Noninterest income to average assets | 1.2217% | 994 |
| Noninterest expense to average assets | 4.5444% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4796% | 4,832 |
| Return on assets (ROA) | 0.4796% | 4,648 |
| Pretax return on assets | 0.4796% | 5,037 |
| Return on Equity (ROE) | 4.0299% | 4,814 |
| Retained earnings to average equity (ytd only) | -3.5022% | 6,230 |
| Net charge-offs to loans | 0.1433% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,305 |
| Efficiency ratio | 90.4545% | 1,477 |
| Assets per employee ($millions) | 1.3241% | 8,198 |
| Cash dividends to net income (ytd only)* | 186.9048% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5707% | 263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.0641% | 8,017 |
| Net loans and leases to deposits | 33.3743% | 8,071 |
| Net loans and leases to core deposits | 36.9913% | 8,097 |
| Total domestic deposits to total assets | 87.0854% | 1,893 |
| Equity capital to assets | 12.8391% | 1,855 |
| Core capital (leverage) ratio | 12.9175% | 1,571 |
| Tier 1 risk-based capital ratio | 23.4140% | 1,149 |
| Total risk-based capital ratio | 24.6739% | 1,121 |
| Memoranda: | ||
| Average total assets | $17,516,000 | 8,092 |
| Average earning assets | $15,769,200 | 8,085 |
| Average equity | $2,084,400 | 8,108 |
| Average total loans | $4,885,800 | 8,167 |