Home > The First National Bank of Frederick > Performance and Condition Ratios
The First National Bank of Frederick, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 4,236 |
| Cost of funding earning assets | 0.9770% | 3,356 |
| Net interest margin | 2.7670% | 3,722 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.7294% | 4,102 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.8075% | 2,845 |
| Return on assets (ROA) | 0.8075% | 2,825 |
| Pretax return on assets | 0.9513% | 2,809 |
| Return on Equity (ROE) | 10.5800% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.8106% | 1,064 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.6699% | 2,525 |
| Assets per employee ($millions) | 7.8098% | 1,531 |
| Cash dividends to net income (ytd only)* | 7.2874% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 375 |
| Loan loss allowance to noncurrent loans | 16,500.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,814 |
| Noncurrent loans to loans | 0.0121% | 3,669 |
| Net loans and leases to total assets | 25.9600% | 4,353 |
| Net loans and leases to deposits | 28.5147% | 4,370 |
| Net loans and leases to core deposits | 30.7427% | 4,390 |
| Total domestic deposits to total assets | 91.0300% | 496 |
| Equity capital to assets | 8.4670% | 3,080 |
| Core capital (leverage) ratio | 11.0306% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $30,589,400 | 4,462 |
| Average earning assets | $27,430,200 | 4,436 |
| Average equity | $2,334,200 | 4,470 |
| Average total loans | $6,791,200 | 4,443 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5639% | 4,335 |
| Cost of funding earning assets | 0.8591% | 3,375 |
| Net interest margin | 2.7048% | 3,873 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.7440% | 4,060 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.7712% | 3,110 |
| Return on assets (ROA) | 0.7712% | 3,100 |
| Pretax return on assets | 0.8720% | 3,170 |
| Return on Equity (ROE) | 10.4000% | 2,531 |
| Retained earnings to average equity (ytd only) | 9.3358% | 1,596 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.8908% | 2,162 |
| Assets per employee ($millions) | 6.9278% | 2,008 |
| Cash dividends to net income (ytd only)* | 10.2273% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 173 |
| 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 | 22.1500% | 4,417 |
| Net loans and leases to deposits | 24.1890% | 4,429 |
| Net loans and leases to core deposits | 27.1501% | 4,409 |
| Total domestic deposits to total assets | 91.5600% | 545 |
| Equity capital to assets | 7.7406% | 3,214 |
| Core capital (leverage) ratio | 11.6403% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $30,427,000 | 4,484 |
| Average earning assets | $27,160,500 | 4,458 |
| Average equity | $2,256,500 | 4,492 |
| Average total loans | $6,420,500 | 4,471 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3793% | 4,427 |
| Cost of funding earning assets | 0.6274% | 3,688 |
| Net interest margin | 2.7519% | 3,900 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.6341% | 4,227 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.9511% | 2,584 |
| Return on assets (ROA) | 0.9511% | 2,573 |
| Pretax return on assets | 1.0405% | 2,797 |
| Return on Equity (ROE) | 12.9900% | 1,905 |
| Retained earnings to average equity (ytd only) | 11.4228% | 1,095 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.3909% | 2,791 |
| Assets per employee ($millions) | 7.4303% | 1,638 |
| Cash dividends to net income (ytd only)* | 12.0805% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5365% | 211 |
| 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 | 21.3300% | 4,441 |
| Net loans and leases to deposits | 23.2891% | 4,460 |
| Net loans and leases to core deposits | 25.9241% | 4,442 |
| Total domestic deposits to total assets | 91.6000% | 486 |
| Equity capital to assets | 7.9069% | 3,278 |
| Core capital (leverage) ratio | 11.8024% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $31,332,333 | 4,502 |
| Average earning assets | $28,053,333 | 4,484 |
| Average equity | $2,293,667 | 4,521 |
| Average total loans | $6,460,000 | 4,502 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3180% | 4,423 |
| Cost of funding earning assets | 0.4286% | 3,889 |
| Net interest margin | 2.8894% | 3,806 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.7051% | 4,191 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.8837% | 2,906 |
| Return on assets (ROA) | 0.8837% | 2,861 |
| Pretax return on assets | 1.1326% | 2,617 |
| Return on Equity (ROE) | 12.5400% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.3578% | 1,854 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6195% | 2,881 |
| Assets per employee ($millions) | 7.4175% | 1,673 |
| Cash dividends to net income (ytd only)* | 25.3521% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9407% | 135 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,655 |
| Noncurrent loans to loans | 0.0891% | 3,107 |
| Net loans and leases to total assets | 18.3600% | 4,534 |
| Net loans and leases to deposits | 20.0331% | 4,541 |
| Net loans and leases to core deposits | 20.8939% | 4,533 |
| Total domestic deposits to total assets | 91.6200% | 618 |
| Equity capital to assets | 7.9272% | 3,293 |
| Core capital (leverage) ratio | 10.9952% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $32,138,000 | 4,560 |
| Average earning assets | $28,933,000 | 4,540 |
| Average equity | $2,265,500 | 4,588 |
| Average total loans | $6,437,500 | 4,571 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4881% | 4,510 |
| Cost of funding earning assets | 0.3485% | 2,487 |
| Net interest margin | 2.1396% | 4,500 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.5602% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4241% | 4,220 |
| Return on assets (ROA) | 0.4241% | 4,181 |
| Pretax return on assets | 0.5355% | 4,121 |
| Return on Equity (ROE) | 5.6700% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.2571% | 2,948 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.4461% | 1,170 |
| Assets per employee ($millions) | 8.6515% | 1,037 |
| Cash dividends to net income (ytd only)* | 7.2993% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2990% | 268 |
| 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 | 20.5100% | 4,550 |
| Net loans and leases to deposits | 21.9626% | 4,557 |
| Net loans and leases to core deposits | 22.7468% | 4,546 |
| Total domestic deposits to total assets | 93.3800% | 330 |
| Equity capital to assets | 6.2966% | 3,979 |
| Core capital (leverage) ratio | 8.8291% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $32,303,800 | 4,593 |
| Average earning assets | $28,978,000 | 4,572 |
| Average equity | $2,415,800 | 4,651 |
| Average total loans | $6,714,800 | 4,602 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1413% | 4,580 |
| Cost of funding earning assets | 0.2353% | 2,867 |
| Net interest margin | 1.9060% | 4,581 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.6137% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2269% | 4,450 |
| Return on assets (ROA) | 0.2269% | 4,416 |
| Pretax return on assets | 0.2731% | 4,404 |
| Return on Equity (ROE) | 2.9100% | 4,310 |
| Retained earnings to average equity (ytd only) | 2.3703% | 3,946 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.5234% | 478 |
| Assets per employee ($millions) | 9.2595% | 814 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1749% | 113 |
| 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 | 13.7500% | 4,629 |
| Net loans and leases to deposits | 14.5236% | 4,640 |
| Net loans and leases to core deposits | 14.9997% | 4,624 |
| Total domestic deposits to total assets | 94.6800% | 264 |
| Equity capital to assets | 5.0651% | 4,275 |
| Core capital (leverage) ratio | 9.2771% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $31,728,250 | 4,632 |
| Average earning assets | $28,330,500 | 4,609 |
| Average equity | $2,475,000 | 4,686 |
| Average total loans | $6,577,500 | 4,642 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9157% | 4,641 |
| Cost of funding earning assets | 0.1416% | 3,688 |
| Net interest margin | 1.7741% | 4,634 |
| Noninterest income to average assets | 0.2003% | 3,996 |
| Noninterest expense to average assets | 1.7224% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0734% | 4,539 |
| Return on assets (ROA) | 0.0734% | 4,504 |
| Pretax return on assets | 0.0668% | 4,506 |
| Return on Equity (ROE) | 0.8225% | 4,480 |
| Retained earnings to average equity (ytd only) | 0.0748% | 4,170 |
| Net charge-offs to loans | 0.1425% | 457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,045 |
| Efficiency ratio | 96.2687% | 243 |
| Assets per employee ($millions) | 7.6255% | 1,533 |
| Cash dividends to net income (ytd only)* | 90.9091% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8277% | 170 |
| 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 | 18.2513% | 4,666 |
| Net loans and leases to deposits | 19.8248% | 4,677 |
| Net loans and leases to core deposits | 20.6415% | 4,671 |
| Total domestic deposits to total assets | 92.0628% | 810 |
| Equity capital to assets | 7.6585% | 3,369 |
| Core capital (leverage) ratio | 11.2996% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,958,333 | 4,680 |
| Average earning assets | $26,830,333 | 4,667 |
| Average equity | $2,674,667 | 4,707 |
| Average total loans | $7,016,667 | 4,701 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8504% | 4,655 |
| Cost of funding earning assets | 0.1365% | 3,682 |
| Net interest margin | 1.7139% | 4,639 |
| Noninterest income to average assets | 0.2021% | 3,952 |
| Noninterest expense to average assets | 1.7516% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0269% | 4,530 |
| Return on assets (ROA) | 0.0269% | 4,511 |
| Pretax return on assets | -0.0269% | 4,534 |
| Return on Equity (ROE) | 0.2813% | 4,506 |
| Retained earnings to average equity (ytd only) | -1.1252% | 4,153 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5625% | 218 |
| Assets per employee ($millions) | 6.3763% | 2,472 |
| Cash dividends to net income (ytd only)* | 500.0000% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7190% | 219 |
| 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 | 23.4268% | 4,622 |
| Net loans and leases to deposits | 26.2038% | 4,636 |
| Net loans and leases to core deposits | 27.5447% | 4,624 |
| Total domestic deposits to total assets | 89.4021% | 1,866 |
| Equity capital to assets | 10.2333% | 1,733 |
| Core capital (leverage) ratio | 11.6581% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,686,500 | 4,708 |
| Average earning assets | $26,372,000 | 4,693 |
| Average equity | $2,844,000 | 4,723 |
| Average total loans | $7,660,500 | 4,715 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8731% | 4,700 |
| Cost of funding earning assets | 0.1786% | 3,678 |
| Net interest margin | 1.6946% | 4,691 |
| Noninterest income to average assets | 0.6808% | 1,832 |
| Noninterest expense to average assets | 1.8739% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2538% | 4,480 |
| Return on assets (ROA) | 0.2597% | 4,485 |
| Pretax return on assets | 0.3123% | 4,485 |
| Return on Equity (ROE) | 2.3883% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.1301% | 3,949 |
| Net charge-offs to loans | 0.0124% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 952 |
| Efficiency ratio | 85.9903% | 474 |
| Assets per employee ($millions) | 6.7736% | 2,091 |
| Cash dividends to net income (ytd only)* | 10.8108% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8194% | 831 |
| 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 | 26.6092% | 4,607 |
| Net loans and leases to deposits | 29.3522% | 4,635 |
| Net loans and leases to core deposits | 30.4521% | 4,632 |
| Total domestic deposits to total assets | 90.6549% | 639 |
| Equity capital to assets | 9.0882% | 3,527 |
| Core capital (leverage) ratio | 10.2211% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,497,400 | 4,752 |
| Average earning assets | $25,198,200 | 4,742 |
| Average equity | $3,098,400 | 4,760 |
| Average total loans | $8,039,200 | 4,753 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8915% | 4,783 |
| Cost of funding earning assets | 0.1947% | 3,663 |
| Net interest margin | 1.6968% | 4,769 |
| Noninterest income to average assets | 0.8887% | 1,281 |
| Noninterest expense to average assets | 2.0377% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2897% | 4,534 |
| Return on assets (ROA) | 0.2897% | 4,555 |
| Pretax return on assets | 0.3486% | 4,550 |
| Return on Equity (ROE) | 2.5347% | 4,523 |
| Retained earnings to average equity (ytd only) | 2.1910% | 4,141 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3909% | 455 |
| Assets per employee ($millions) | 5.3674% | 3,330 |
| Cash dividends to net income (ytd only)* | 13.5593% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8125% | 906 |
| Loan loss allowance to noncurrent loans | 16,800.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,239 |
| Noncurrent loans to loans | 0.0108% | 4,128 |
| Net loans and leases to total assets | 33.9121% | 4,472 |
| Net loans and leases to deposits | 38.5472% | 4,500 |
| Net loans and leases to core deposits | 40.0009% | 4,514 |
| Total domestic deposits to total assets | 87.9756% | 1,862 |
| Equity capital to assets | 11.5773% | 1,623 |
| Core capital (leverage) ratio | 11.5404% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,154,750 | 4,833 |
| Average earning assets | $23,966,750 | 4,826 |
| Average equity | $3,103,500 | 4,834 |
| Average total loans | $7,754,250 | 4,827 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7990% | 4,835 |
| Cost of funding earning assets | 0.1999% | 3,749 |
| Net interest margin | 1.5991% | 4,831 |
| Noninterest income to average assets | 1.2325% | 766 |
| Noninterest expense to average assets | 2.1203% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4182% | 4,352 |
| Return on assets (ROA) | 0.4182% | 4,394 |
| Pretax return on assets | 0.5209% | 4,356 |
| Return on Equity (ROE) | 3.6747% | 4,381 |
| Retained earnings to average equity (ytd only) | 3.1589% | 3,793 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2778% | 766 |
| Assets per employee ($millions) | 5.6512% | 2,958 |
| Cash dividends to net income (ytd only)* | 14.0351% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 425 |
| 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 | 26.4369% | 4,740 |
| Net loans and leases to deposits | 29.8430% | 4,756 |
| Net loans and leases to core deposits | 30.8997% | 4,760 |
| Total domestic deposits to total assets | 88.5865% | 1,522 |
| Equity capital to assets | 10.9994% | 1,973 |
| Core capital (leverage) ratio | 11.7150% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,260,667 | 4,865 |
| Average earning assets | $24,013,333 | 4,859 |
| Average equity | $3,102,333 | 4,866 |
| Average total loans | $7,249,333 | 4,877 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8769% | 4,864 |
| Cost of funding earning assets | 0.2047% | 3,866 |
| Net interest margin | 1.6721% | 4,844 |
| Noninterest income to average assets | 1.8085% | 440 |
| Noninterest expense to average assets | 2.2568% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7921% | 3,450 |
| Return on assets (ROA) | 0.7921% | 3,519 |
| Pretax return on assets | 1.0163% | 3,325 |
| Return on Equity (ROE) | 6.8398% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,959 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9498% | 1,820 |
| Assets per employee ($millions) | 5.0746% | 3,560 |
| Cash dividends to net income (ytd only)* | 15.0943% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3444% | 334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 27.5805% | 4,760 |
| Net loans and leases to deposits | 31.6065% | 4,771 |
| Net loans and leases to core deposits | 32.8776% | 4,778 |
| Total domestic deposits to total assets | 87.2621% | 2,197 |
| Equity capital to assets | 12.2808% | 1,162 |
| Core capital (leverage) ratio | 12.4918% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,763,000 | 4,895 |
| Average earning assets | $23,443,500 | 4,888 |
| Average equity | $3,099,500 | 4,890 |
| Average total loans | $7,055,000 | 4,905 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7489% | 4,773 |
| Cost of funding earning assets | 0.3626% | 3,806 |
| Net interest margin | 2.3863% | 4,662 |
| Noninterest income to average assets | 0.3129% | 3,595 |
| Noninterest expense to average assets | 2.2947% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0668% | 4,691 |
| Return on assets (ROA) | 0.0668% | 4,724 |
| Pretax return on assets | 0.0501% | 4,729 |
| Return on Equity (ROE) | 0.5172% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.0323% | 4,506 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8648% | 203 |
| Assets per employee ($millions) | 5.6306% | 2,706 |
| Cash dividends to net income (ytd only)* | 93.7500% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 24.0685% | 4,852 |
| Net loans and leases to deposits | 27.1203% | 4,868 |
| Net loans and leases to core deposits | 28.0801% | 4,871 |
| Total domestic deposits to total assets | 88.7472% | 1,094 |
| Equity capital to assets | 10.9509% | 2,296 |
| Core capital (leverage) ratio | 9.8810% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,968,200 | 4,930 |
| Average earning assets | $20,408,000 | 4,925 |
| Average equity | $3,093,400 | 4,905 |
| Average total loans | $8,024,000 | 4,917 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0661% | 4,688 |
| Cost of funding earning assets | 0.4005% | 3,803 |
| Net interest margin | 2.6656% | 4,505 |
| Noninterest income to average assets | 0.3665% | 3,262 |
| Noninterest expense to average assets | 2.3848% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2036% | 4,587 |
| Return on assets (ROA) | 0.2036% | 4,628 |
| Pretax return on assets | 0.2269% | 4,630 |
| Return on Equity (ROE) | 1.5073% | 4,621 |
| Retained earnings to average equity (ytd only) | 0.8613% | 4,294 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3140% | 331 |
| Assets per employee ($millions) | 5.0104% | 3,240 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2376% | 326 |
| 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 | 29.2991% | 4,841 |
| Net loans and leases to deposits | 33.6419% | 4,859 |
| Net loans and leases to core deposits | 35.0124% | 4,860 |
| Total domestic deposits to total assets | 87.0909% | 1,631 |
| Equity capital to assets | 12.4262% | 1,454 |
| Core capital (leverage) ratio | 12.6312% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,922,000 | 4,967 |
| Average earning assets | $19,307,500 | 4,963 |
| Average equity | $3,096,000 | 4,933 |
| Average total loans | $8,294,000 | 4,944 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3233% | 4,628 |
| Cost of funding earning assets | 0.4115% | 3,989 |
| Net interest margin | 2.9119% | 4,289 |
| Noninterest income to average assets | 0.4592% | 2,771 |
| Noninterest expense to average assets | 2.4581% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3962% | 4,238 |
| Return on assets (ROA) | 0.3962% | 4,297 |
| Pretax return on assets | 0.4862% | 4,275 |
| Return on Equity (ROE) | 2.8476% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.8768% | 3,806 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4862% | 668 |
| Assets per employee ($millions) | 4.2964% | 4,001 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 38.3996% | 4,652 |
| Net loans and leases to deposits | 45.3043% | 4,668 |
| Net loans and leases to core deposits | 49.5108% | 4,628 |
| Total domestic deposits to total assets | 84.7593% | 2,487 |
| Equity capital to assets | 14.6169% | 708 |
| Core capital (leverage) ratio | 14.9325% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,212,000 | 4,998 |
| Average earning assets | $18,957,000 | 4,995 |
| Average equity | $3,090,333 | 4,964 |
| Average total loans | $8,556,000 | 4,973 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 4,831 |
| Cost of funding earning assets | 0.4163% | 4,303 |
| Net interest margin | 2.8549% | 4,497 |
| Noninterest income to average assets | 0.2303% | 4,168 |
| Noninterest expense to average assets | 2.4981% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2480% | 4,453 |
| Return on assets (ROA) | 0.2480% | 4,474 |
| Pretax return on assets | 0.2835% | 4,478 |
| Return on Equity (ROE) | 1.8268% | 4,477 |
| Retained earnings to average equity (ytd only) | -0.1305% | 4,012 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8089% | 509 |
| Assets per employee ($millions) | 3.9764% | 3,942 |
| Cash dividends to net income (ytd only)* | 107.1429% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 40.7253% | 4,640 |
| Net loans and leases to deposits | 48.6482% | 4,639 |
| Net loans and leases to core deposits | 53.6332% | 4,581 |
| Total domestic deposits to total assets | 83.7139% | 2,875 |
| Equity capital to assets | 15.6523% | 645 |
| Core capital (leverage) ratio | 14.7893% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,577,000 | 5,040 |
| Average earning assets | $20,176,000 | 5,028 |
| Average equity | $3,065,500 | 5,013 |
| Average total loans | $8,625,500 | 5,015 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 4,640 |
| Cost of funding earning assets | 0.4936% | 4,120 |
| Net interest margin | 3.2445% | 4,097 |
| Noninterest income to average assets | 0.2141% | 4,384 |
| Noninterest expense to average assets | 2.4416% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5147% | 4,374 |
| Return on assets (ROA) | 0.5147% | 4,426 |
| Pretax return on assets | 0.6468% | 4,333 |
| Return on Equity (ROE) | 3.8522% | 4,499 |
| Retained earnings to average equity (ytd only) | 3.3408% | 3,338 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0560% | 1,030 |
| Assets per employee ($millions) | 5.0544% | 2,517 |
| Cash dividends to net income (ytd only)* | 13.2743% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8696% | 589 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,510 |
| Noncurrent loans to loans | 0.0779% | 4,212 |
| Net loans and leases to total assets | 34.8924% | 4,878 |
| Net loans and leases to deposits | 39.7816% | 4,910 |
| Net loans and leases to core deposits | 41.3486% | 4,921 |
| Total domestic deposits to total assets | 87.7097% | 1,268 |
| Equity capital to assets | 11.9460% | 2,165 |
| Core capital (leverage) ratio | 12.1075% | 1,709 |
| Tier 1 risk-based capital ratio | 25.0105% | 749 |
| Total risk-based capital ratio | 26.2660% | 735 |
| Memoranda: | ||
| Average total assets | $21,953,200 | 5,102 |
| Average earning assets | $19,448,200 | 5,094 |
| Average equity | $2,933,400 | 5,073 |
| Average total loans | $8,834,000 | 5,075 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 4,540 |
| Cost of funding earning assets | 0.4750% | 4,245 |
| Net interest margin | 3.4255% | 3,791 |
| Noninterest income to average assets | 0.2209% | 4,408 |
| Noninterest expense to average assets | 2.4869% | 3,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5870% | 4,325 |
| Return on assets (ROA) | 0.5870% | 4,377 |
| Pretax return on assets | 0.7385% | 4,264 |
| Return on Equity (ROE) | 4.2582% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.5714% | 3,618 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1037% | 1,207 |
| Assets per employee ($millions) | 4.5334% | 3,144 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9512% | 505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 37.2436% | 4,889 |
| Net loans and leases to deposits | 43.1485% | 4,934 |
| Net loans and leases to core deposits | 45.0841% | 4,935 |
| Total domestic deposits to total assets | 86.3149% | 1,860 |
| Equity capital to assets | 13.2175% | 1,506 |
| Core capital (leverage) ratio | 13.8106% | 1,034 |
| Tier 1 risk-based capital ratio | 25.4173% | 747 |
| Total risk-based capital ratio | 26.6672% | 733 |
| Memoranda: | ||
| Average total assets | $21,123,500 | 5,184 |
| Average earning assets | $18,527,000 | 5,181 |
| Average equity | $2,912,000 | 5,152 |
| Average total loans | $8,796,000 | 5,155 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 4,546 |
| Cost of funding earning assets | 0.4412% | 4,356 |
| Net interest margin | 3.4638% | 3,703 |
| Noninterest income to average assets | 0.2232% | 4,407 |
| Noninterest expense to average assets | 2.5814% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5532% | 4,417 |
| Return on assets (ROA) | 0.5532% | 4,449 |
| Pretax return on assets | 0.6890% | 4,358 |
| Return on Equity (ROE) | 3.9528% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.9126% | 3,759 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9318% | 1,062 |
| Assets per employee ($millions) | 4.1206% | 3,702 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 536 |
| 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 | 41.4066% | 4,804 |
| Net loans and leases to deposits | 48.5599% | 4,834 |
| Net loans and leases to core deposits | 50.9770% | 4,842 |
| Total domestic deposits to total assets | 85.2691% | 2,354 |
| Equity capital to assets | 14.3134% | 1,006 |
| Core capital (leverage) ratio | 15.2934% | 653 |
| Tier 1 risk-based capital ratio | 25.2598% | 735 |
| Total risk-based capital ratio | 26.5117% | 719 |
| Memoranda: | ||
| Average total assets | $20,609,000 | 5,237 |
| Average earning assets | $18,130,330 | 5,229 |
| Average equity | $2,884,000 | 5,196 |
| Average total loans | $8,858,000 | 5,200 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 4,810 |
| Cost of funding earning assets | 0.3899% | 4,529 |
| Net interest margin | 3.3360% | 4,073 |
| Noninterest income to average assets | 0.2523% | 4,206 |
| Noninterest expense to average assets | 2.5422% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5628% | 4,354 |
| Return on assets (ROA) | 0.5628% | 4,384 |
| Pretax return on assets | 0.6986% | 4,305 |
| Return on Equity (ROE) | 4.0680% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.9639% | 4,079 |
| Net charge-offs to loans | 0.0448% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,221 |
| Efficiency ratio | 78.4431% | 1,219 |
| Assets per employee ($millions) | 3.9344% | 4,019 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2282% | 343 |
| 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 | 37.2509% | 4,977 |
| Net loans and leases to deposits | 43.8855% | 4,988 |
| Net loans and leases to core deposits | 46.1897% | 4,986 |
| Total domestic deposits to total assets | 84.8821% | 2,724 |
| Equity capital to assets | 14.7265% | 818 |
| Core capital (leverage) ratio | 14.3259% | 860 |
| Tier 1 risk-based capital ratio | 27.8748% | 568 |
| Total risk-based capital ratio | 29.1323% | 553 |
| Memoranda: | ||
| Average total assets | $20,612,000 | 5,294 |
| Average earning assets | $18,465,500 | 5,284 |
| Average equity | $2,851,500 | 5,254 |
| Average total loans | $8,937,500 | 5,258 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 4,209 |
| Cost of funding earning assets | 0.3181% | 4,482 |
| Net interest margin | 3.6129% | 3,335 |
| Noninterest income to average assets | 0.2649% | 4,342 |
| Noninterest expense to average assets | 2.6689% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5691% | 4,503 |
| Return on assets (ROA) | 0.5691% | 4,508 |
| Pretax return on assets | 0.7163% | 4,371 |
| Return on Equity (ROE) | 4.2262% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.7526% | 3,509 |
| Net charge-offs to loans | -0.0109% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8406% | 1,052 |
| Assets per employee ($millions) | 4.3104% | 3,445 |
| Cash dividends to net income (ytd only)* | 11.2069% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 989 |
| Loan loss allowance to noncurrent loans | 16,800.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,900 |
| Noncurrent loans to loans | 0.0096% | 4,766 |
| Net loans and leases to total assets | 47.3831% | 4,677 |
| Net loans and leases to deposits | 54.6622% | 4,722 |
| Net loans and leases to core deposits | 57.1909% | 4,735 |
| Total domestic deposits to total assets | 86.6834% | 1,929 |
| Equity capital to assets | 13.0197% | 1,337 |
| Core capital (leverage) ratio | 13.4744% | 1,086 |
| Tier 1 risk-based capital ratio | 21.5318% | 1,089 |
| Total risk-based capital ratio | 22.7835% | 1,070 |
| Memoranda: | ||
| Average total assets | $20,383,000 | 5,340 |
| Average earning assets | $17,603,400 | 5,338 |
| Average equity | $2,744,800 | 5,300 |
| Average total loans | $9,161,000 | 5,301 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 4,392 |
| Cost of funding earning assets | 0.3034% | 4,493 |
| Net interest margin | 3.5168% | 3,640 |
| Noninterest income to average assets | 0.2654% | 4,377 |
| Noninterest expense to average assets | 2.7342% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4313% | 4,894 |
| Return on assets (ROA) | 0.4313% | 4,902 |
| Pretax return on assets | 0.5309% | 4,854 |
| Return on Equity (ROE) | 3.1749% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.5400% | 4,383 |
| Net charge-offs to loans | -0.0150% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7398% | 656 |
| Assets per employee ($millions) | 3.9180% | 4,020 |
| Cash dividends to net income (ytd only)* | 19.9977% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 890 |
| Loan loss allowance to noncurrent loans | 16,800.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,004 |
| Noncurrent loans to loans | 0.0101% | 4,882 |
| Net loans and leases to total assets | 49.8520% | 4,607 |
| Net loans and leases to deposits | 58.1690% | 4,636 |
| Net loans and leases to core deposits | 63.1572% | 4,567 |
| Total domestic deposits to total assets | 85.7019% | 2,328 |
| Equity capital to assets | 13.8999% | 991 |
| Core capital (leverage) ratio | 14.8421% | 738 |
| Tier 1 risk-based capital ratio | 22.3104% | 1,008 |
| Total risk-based capital ratio | 23.5599% | 986 |
| Memoranda: | ||
| Average total assets | $20,090,750 | 5,411 |
| Average earning assets | $17,136,500 | 5,415 |
| Average equity | $2,729,500 | 5,371 |
| Average total loans | $8,856,250 | 5,374 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5775% | 4,802 |
| Cost of funding earning assets | 0.2904% | 4,492 |
| Net interest margin | 3.2871% | 4,287 |
| Noninterest income to average assets | 0.2764% | 4,337 |
| Noninterest expense to average assets | 2.5965% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3850% | 4,984 |
| Return on assets (ROA) | 0.3850% | 4,986 |
| Pretax return on assets | 0.4739% | 4,947 |
| Return on Equity (ROE) | 2.8554% | 5,047 |
| Retained earnings to average equity (ytd only) | 1.9036% | 4,493 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5659% | 655 |
| Assets per employee ($millions) | 3.9608% | 3,969 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8611% | 677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 44.7334% | 4,875 |
| Net loans and leases to deposits | 52.0689% | 4,911 |
| Net loans and leases to core deposits | 56.4591% | 4,847 |
| Total domestic deposits to total assets | 85.9119% | 2,325 |
| Equity capital to assets | 13.7346% | 1,017 |
| Core capital (leverage) ratio | 14.4605% | 792 |
| Tier 1 risk-based capital ratio | 23.5260% | 879 |
| Total risk-based capital ratio | 24.7805% | 851 |
| Memoranda: | ||
| Average total assets | $20,257,670 | 5,474 |
| Average earning assets | $17,218,670 | 5,478 |
| Average equity | $2,731,670 | 5,435 |
| Average total loans | $8,497,000 | 5,444 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5097% | 4,864 |
| Cost of funding earning assets | 0.2808% | 4,500 |
| Net interest margin | 3.2289% | 4,374 |
| Noninterest income to average assets | 0.2734% | 4,343 |
| Noninterest expense to average assets | 2.5580% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3320% | 5,044 |
| Return on assets (ROA) | 0.3320% | 5,049 |
| Pretax return on assets | 0.4101% | 5,023 |
| Return on Equity (ROE) | 2.4840% | 5,110 |
| Retained earnings to average equity (ytd only) | 0.5845% | 4,716 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1842% | 633 |
| Assets per employee ($millions) | 3.8418% | 4,229 |
| Cash dividends to net income (ytd only)* | 76.4706% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4253% | 274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 35.1866% | 5,238 |
| Net loans and leases to deposits | 41.2034% | 5,242 |
| Net loans and leases to core deposits | 43.3798% | 5,230 |
| Total domestic deposits to total assets | 85.3975% | 2,791 |
| Equity capital to assets | 14.1080% | 862 |
| Core capital (leverage) ratio | 14.0139% | 873 |
| Tier 1 risk-based capital ratio | 27.8515% | 567 |
| Total risk-based capital ratio | 29.1089% | 561 |
| Memoranda: | ||
| Average total assets | $20,484,500 | 5,535 |
| Average earning assets | $17,095,500 | 5,541 |
| Average equity | $2,737,500 | 5,491 |
| Average total loans | $8,232,000 | 5,509 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,062 |
| Cost of funding earning assets | 0.2722% | 4,381 |
| Net interest margin | 3.0489% | 4,792 |
| Noninterest income to average assets | 0.2514% | 4,628 |
| Noninterest expense to average assets | 2.4570% | 3,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3659% | 4,794 |
| Return on assets (ROA) | 0.4696% | 4,490 |
| Pretax return on assets | 0.5787% | 4,786 |
| Return on Equity (ROE) | 3.6013% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.1284% | 3,425 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5024% | 733 |
| Assets per employee ($millions) | 4.3520% | 3,410 |
| Cash dividends to net income (ytd only)* | 13.1313% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 43.0607% | 5,029 |
| Net loans and leases to deposits | 49.5505% | 5,075 |
| Net loans and leases to core deposits | 51.7966% | 5,074 |
| Total domestic deposits to total assets | 86.9026% | 2,042 |
| Equity capital to assets | 12.7068% | 1,404 |
| Core capital (leverage) ratio | 13.2654% | 1,051 |
| Tier 1 risk-based capital ratio | 22.2311% | 993 |
| Total risk-based capital ratio | 23.4839% | 963 |
| Memoranda: | ||
| Average total assets | $21,082,400 | 5,590 |
| Average earning assets | $18,367,200 | 5,592 |
| Average equity | $2,749,000 | 5,547 |
| Average total loans | $8,643,800 | 5,563 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 5,226 |
| Cost of funding earning assets | 0.2669% | 4,432 |
| Net interest margin | 2.9363% | 5,045 |
| Noninterest income to average assets | 0.2550% | 4,680 |
| Noninterest expense to average assets | 2.4227% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3544% | 5,097 |
| Return on assets (ROA) | 0.4973% | 4,775 |
| Pretax return on assets | 0.5993% | 4,847 |
| Return on Equity (ROE) | 3.7887% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.1570% | 4,028 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0112% | 686 |
| Assets per employee ($millions) | 3.9850% | 4,017 |
| Cash dividends to net income (ytd only)* | 16.6635% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 45.3199% | 4,972 |
| Net loans and leases to deposits | 52.9930% | 5,006 |
| Net loans and leases to core deposits | 55.6720% | 5,009 |
| Total domestic deposits to total assets | 85.5207% | 2,513 |
| Equity capital to assets | 13.9774% | 1,004 |
| Core capital (leverage) ratio | 13.5881% | 993 |
| Tier 1 risk-based capital ratio | 23.3793% | 910 |
| Total risk-based capital ratio | 24.6302% | 894 |
| Memoranda: | ||
| Average total assets | $20,913,000 | 5,660 |
| Average earning assets | $18,480,500 | 5,655 |
| Average equity | $2,745,000 | 5,610 |
| Average total loans | $8,420,500 | 5,628 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0609% | 5,385 |
| Cost of funding earning assets | 0.2676% | 4,394 |
| Net interest margin | 2.7933% | 5,257 |
| Noninterest income to average assets | 0.2448% | 4,775 |
| Noninterest expense to average assets | 2.3632% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3013% | 5,215 |
| Return on assets (ROA) | 0.3013% | 5,235 |
| Pretax return on assets | 0.3389% | 5,287 |
| Return on Equity (ROE) | 2.3429% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.3911% | 4,698 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4564% | 581 |
| Assets per employee ($millions) | 4.2238% | 3,574 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1185% | 493 |
| 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 | 36.5358% | 5,359 |
| Net loans and leases to deposits | 42.2656% | 5,390 |
| Net loans and leases to core deposits | 44.2431% | 5,390 |
| Total domestic deposits to total assets | 86.4435% | 2,173 |
| Equity capital to assets | 13.0688% | 1,343 |
| Core capital (leverage) ratio | 13.5341% | 986 |
| Tier 1 risk-based capital ratio | 25.9967% | 675 |
| Total risk-based capital ratio | 27.2493% | 657 |
| Memoranda: | ||
| Average total assets | $21,242,330 | 5,698 |
| Average earning assets | $18,687,330 | 5,701 |
| Average equity | $2,731,670 | 5,659 |
| Average total loans | $8,161,670 | 5,685 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0470% | 5,412 |
| Cost of funding earning assets | 0.2789% | 4,266 |
| Net interest margin | 2.7680% | 5,307 |
| Noninterest income to average assets | 0.2253% | 4,924 |
| Noninterest expense to average assets | 2.2906% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3192% | 5,145 |
| Return on assets (ROA) | 0.3192% | 5,172 |
| Pretax return on assets | 0.3567% | 5,228 |
| Return on Equity (ROE) | 2.5023% | 5,230 |
| Retained earnings to average equity (ytd only) | 0.5888% | 4,781 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5248% | 759 |
| Assets per employee ($millions) | 3.9162% | 4,155 |
| Cash dividends to net income (ytd only)* | 76.4706% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5151% | 306 |
| Loan loss allowance to noncurrent loans | 2,087.5000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 5,144 |
| Noncurrent loans to loans | 0.1205% | 4,707 |
| Net loans and leases to total assets | 33.0576% | 5,495 |
| Net loans and leases to deposits | 38.6056% | 5,511 |
| Net loans and leases to core deposits | 40.5805% | 5,506 |
| Total domestic deposits to total assets | 85.6289% | 2,826 |
| Equity capital to assets | 13.9370% | 922 |
| Core capital (leverage) ratio | 13.3189% | 1,030 |
| Tier 1 risk-based capital ratio | 29.5132% | 494 |
| Total risk-based capital ratio | 30.7684% | 495 |
| Memoranda: | ||
| Average total assets | $21,304,000 | 5,768 |
| Average earning assets | $18,641,500 | 5,768 |
| Average equity | $2,717,500 | 5,723 |
| Average total loans | $8,301,000 | 5,746 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 5,044 |
| Cost of funding earning assets | 0.2977% | 4,089 |
| Net interest margin | 3.0694% | 4,803 |
| Noninterest income to average assets | 0.2605% | 4,869 |
| Noninterest expense to average assets | 2.3396% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4831% | 4,697 |
| Return on assets (ROA) | 0.4831% | 4,772 |
| Pretax return on assets | 0.6062% | 4,771 |
| Return on Equity (ROE) | 3.7294% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.2541% | 3,593 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4212% | 1,491 |
| Assets per employee ($millions) | 5.7568% | 1,657 |
| Cash dividends to net income (ytd only)* | 12.7451% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 1,184 |
| 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 | 42.5370% | 5,208 |
| Net loans and leases to deposits | 48.3728% | 5,279 |
| Net loans and leases to core deposits | 50.3962% | 5,291 |
| Total domestic deposits to total assets | 87.9359% | 1,660 |
| Equity capital to assets | 11.7514% | 1,966 |
| Core capital (leverage) ratio | 12.3609% | 1,399 |
| Tier 1 risk-based capital ratio | 21.5896% | 1,129 |
| Total risk-based capital ratio | 22.8370% | 1,113 |
| Memoranda: | ||
| Average total assets | $21,114,800 | 5,825 |
| Average earning assets | $18,472,600 | 5,824 |
| Average equity | $2,735,000 | 5,780 |
| Average total loans | $8,640,200 | 5,794 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4092% | 5,012 |
| Cost of funding earning assets | 0.3052% | 4,041 |
| Net interest margin | 3.1041% | 4,767 |
| Noninterest income to average assets | 0.2843% | 4,734 |
| Noninterest expense to average assets | 2.3453% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5233% | 4,601 |
| Return on assets (ROA) | 0.5233% | 4,705 |
| Pretax return on assets | 0.6332% | 4,792 |
| Return on Equity (ROE) | 3.9384% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.3060% | 3,921 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7419% | 1,589 |
| Assets per employee ($millions) | 5.4225% | 1,931 |
| Cash dividends to net income (ytd only)* | 16.0463% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 1,027 |
| 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 | 42.1715% | 5,286 |
| Net loans and leases to deposits | 48.6543% | 5,359 |
| Net loans and leases to core deposits | 50.8534% | 5,354 |
| Total domestic deposits to total assets | 86.6759% | 2,045 |
| Equity capital to assets | 12.7755% | 1,609 |
| Core capital (leverage) ratio | 13.3343% | 1,053 |
| Tier 1 risk-based capital ratio | 22.2361% | 1,106 |
| Total risk-based capital ratio | 23.4811% | 1,088 |
| Memoranda: | ||
| Average total assets | $20,636,750 | 5,897 |
| Average earning assets | $17,911,750 | 5,893 |
| Average equity | $2,742,250 | 5,842 |
| Average total loans | $8,309,750 | 5,864 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,340 |
| Cost of funding earning assets | 0.3216% | 3,884 |
| Net interest margin | 2.9495% | 5,171 |
| Noninterest income to average assets | 0.3056% | 4,601 |
| Noninterest expense to average assets | 2.4056% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4831% | 4,749 |
| Return on assets (ROA) | 0.4831% | 4,849 |
| Pretax return on assets | 0.5225% | 5,091 |
| Return on Equity (ROE) | 3.5862% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.6348% | 4,220 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1549% | 1,250 |
| Assets per employee ($millions) | 5.1820% | 2,105 |
| Cash dividends to net income (ytd only)* | 26.5306% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 40.5442% | 5,391 |
| Net loans and leases to deposits | 47.1631% | 5,451 |
| Net loans and leases to core deposits | 49.4091% | 5,458 |
| Total domestic deposits to total assets | 85.9658% | 2,437 |
| Equity capital to assets | 13.3829% | 1,292 |
| Core capital (leverage) ratio | 13.4226% | 1,008 |
| Tier 1 risk-based capital ratio | 24.2042% | 883 |
| Total risk-based capital ratio | 25.4574% | 868 |
| Memoranda: | ||
| Average total assets | $20,285,670 | 5,974 |
| Average earning assets | $18,036,670 | 5,965 |
| Average equity | $2,732,670 | 5,916 |
| Average total loans | $7,975,000 | 5,951 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 5,254 |
| Cost of funding earning assets | 0.3378% | 3,748 |
| Net interest margin | 2.9955% | 5,130 |
| Noninterest income to average assets | 0.3389% | 4,312 |
| Noninterest expense to average assets | 2.3325% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5781% | 4,279 |
| Return on assets (ROA) | 0.5781% | 4,390 |
| Pretax return on assets | 0.6579% | 4,656 |
| Return on Equity (ROE) | 4.2773% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.3599% | 4,307 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0000% | 1,896 |
| Assets per employee ($millions) | 4.8985% | 2,460 |
| Cash dividends to net income (ytd only)* | 44.8276% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3594% | 469 |
| 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 | 35.2710% | 5,664 |
| Net loans and leases to deposits | 41.3115% | 5,670 |
| Net loans and leases to core deposits | 43.4135% | 5,677 |
| Total domestic deposits to total assets | 85.3782% | 2,965 |
| Equity capital to assets | 13.9584% | 996 |
| Core capital (leverage) ratio | 13.5594% | 962 |
| Tier 1 risk-based capital ratio | 27.5396% | 639 |
| Total risk-based capital ratio | 28.7976% | 626 |
| Memoranda: | ||
| Average total assets | $20,064,500 | 6,037 |
| Average earning assets | $17,760,000 | 6,028 |
| Average equity | $2,712,000 | 5,972 |
| Average total loans | $7,677,000 | 6,019 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,802 |
| Cost of funding earning assets | 0.3546% | 3,651 |
| Net interest margin | 3.1972% | 4,636 |
| Noninterest income to average assets | 0.2776% | 4,899 |
| Noninterest expense to average assets | 2.3691% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5839% | 4,360 |
| Return on assets (ROA) | 0.5839% | 4,454 |
| Pretax return on assets | 0.6701% | 4,616 |
| Return on Equity (ROE) | 4.5892% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.2131% | 2,986 |
| Net charge-offs to loans | -0.5537% | 6,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9528% | 1,978 |
| Assets per employee ($millions) | 5.1338% | 2,195 |
| Cash dividends to net income (ytd only)* | 8.1967% | 4,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0179% | 780 |
| 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 | 39.4887% | 5,546 |
| Net loans and leases to deposits | 45.7541% | 5,580 |
| Net loans and leases to core deposits | 47.9340% | 5,569 |
| Total domestic deposits to total assets | 86.3063% | 2,488 |
| Equity capital to assets | 13.0947% | 1,306 |
| Core capital (leverage) ratio | 12.6044% | 1,307 |
| Tier 1 risk-based capital ratio | 24.2160% | 899 |
| Total risk-based capital ratio | 25.4685% | 882 |
| Memoranda: | ||
| Average total assets | $20,893,600 | 6,084 |
| Average earning assets | $18,046,800 | 6,080 |
| Average equity | $2,658,400 | 6,037 |
| Average total loans | $7,585,800 | 6,075 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,559 |
| Cost of funding earning assets | 0.3640% | 3,612 |
| Net interest margin | 3.2911% | 4,393 |
| Noninterest income to average assets | 0.2669% | 5,025 |
| Noninterest expense to average assets | 2.2811% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6354% | 4,213 |
| Return on assets (ROA) | 0.6354% | 4,326 |
| Pretax return on assets | 0.8006% | 4,336 |
| Return on Equity (ROE) | 5.0299% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.5270% | 3,247 |
| Net charge-offs to loans | -0.7554% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0206% | 2,553 |
| Assets per employee ($millions) | 4.9480% | 2,362 |
| Cash dividends to net income (ytd only)* | 9.9977% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2413% | 626 |
| 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 | 36.8027% | 5,756 |
| Net loans and leases to deposits | 43.0318% | 5,760 |
| Net loans and leases to core deposits | 45.1861% | 5,760 |
| Total domestic deposits to total assets | 85.5245% | 2,768 |
| Equity capital to assets | 13.6217% | 1,168 |
| Core capital (leverage) ratio | 13.2176% | 1,126 |
| Tier 1 risk-based capital ratio | 25.9579% | 766 |
| Total risk-based capital ratio | 27.2217% | 751 |
| Memoranda: | ||
| Average total assets | $20,983,250 | 6,167 |
| Average earning assets | $17,947,000 | 6,170 |
| Average equity | $2,650,750 | 6,121 |
| Average total loans | $7,413,250 | 6,159 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,217 |
| Cost of funding earning assets | 0.3769% | 3,533 |
| Net interest margin | 3.3809% | 3,968 |
| Noninterest income to average assets | 0.2713% | 5,013 |
| Noninterest expense to average assets | 2.2731% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7016% | 3,882 |
| Return on assets (ROA) | 0.7016% | 4,002 |
| Pretax return on assets | 0.8512% | 4,128 |
| Return on Equity (ROE) | 5.6912% | 4,282 |
| Retained earnings to average equity (ytd only) | 4.9323% | 2,895 |
| Net charge-offs to loans | -1.1080% | 6,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7545% | 2,889 |
| Assets per employee ($millions) | 3.9380% | 4,002 |
| Cash dividends to net income (ytd only)* | 13.3333% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2348% | 703 |
| 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 | 36.8817% | 5,780 |
| Net loans and leases to deposits | 42.9806% | 5,803 |
| Net loans and leases to core deposits | 46.1109% | 5,759 |
| Total domestic deposits to total assets | 85.8101% | 2,790 |
| Equity capital to assets | 13.4535% | 1,189 |
| Core capital (leverage) ratio | 13.1584% | 1,111 |
| Tier 1 risk-based capital ratio | 25.8133% | 791 |
| Total risk-based capital ratio | 27.0722% | 776 |
| Memoranda: | ||
| Average total assets | $21,380,330 | 6,238 |
| Average earning assets | $18,042,670 | 6,244 |
| Average equity | $2,635,670 | 6,189 |
| Average total loans | $7,400,670 | 6,231 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2702% | 5,515 |
| Cost of funding earning assets | 0.3731% | 3,614 |
| Net interest margin | 2.8971% | 5,460 |
| Noninterest income to average assets | 0.2700% | 5,019 |
| Noninterest expense to average assets | 2.2317% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3599% | 5,221 |
| Return on assets (ROA) | 0.3599% | 5,337 |
| Pretax return on assets | 0.4139% | 5,398 |
| Return on Equity (ROE) | 3.0430% | 5,359 |
| Retained earnings to average equity (ytd only) | 1.5215% | 4,873 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3537% | 1,336 |
| Assets per employee ($millions) | 3.9550% | 4,051 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 1,080 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 5,733 |
| Noncurrent loans to loans | 0.1600% | 5,202 |
| Net loans and leases to total assets | 30.9735% | 6,033 |
| Net loans and leases to deposits | 36.1059% | 6,055 |
| Net loans and leases to core deposits | 38.7242% | 6,018 |
| Total domestic deposits to total assets | 85.7851% | 3,052 |
| Equity capital to assets | 13.3654% | 1,232 |
| Core capital (leverage) ratio | 12.4913% | 1,366 |
| Tier 1 risk-based capital ratio | 28.4773% | 625 |
| Total risk-based capital ratio | 29.7264% | 613 |
| Memoranda: | ||
| Average total assets | $22,225,500 | 6,294 |
| Average earning assets | $18,225,000 | 6,305 |
| Average equity | $2,629,000 | 6,254 |
| Average total loans | $7,387,000 | 6,301 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 5,029 |
| Cost of funding earning assets | 0.4244% | 3,439 |
| Net interest margin | 3.1951% | 4,937 |
| Noninterest income to average assets | 0.2625% | 5,255 |
| Noninterest expense to average assets | 2.3333% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4813% | 4,885 |
| Return on assets (ROA) | 0.4813% | 4,977 |
| Pretax return on assets | 0.5639% | 5,061 |
| Return on Equity (ROE) | 3.8860% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.5720% | 3,681 |
| Net charge-offs to loans | 0.0285% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 811 |
| Efficiency ratio | 80.5369% | 1,843 |
| Assets per employee ($millions) | 6.1690% | 1,266 |
| Cash dividends to net income (ytd only)* | 8.0808% | 4,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 2,622 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 5,858 |
| Noncurrent loans to loans | 0.1290% | 5,380 |
| Net loans and leases to total assets | 34.0371% | 6,033 |
| Net loans and leases to deposits | 38.3691% | 6,090 |
| Net loans and leases to core deposits | 40.4849% | 6,085 |
| Total domestic deposits to total assets | 88.7097% | 1,409 |
| Equity capital to assets | 10.5973% | 3,358 |
| Core capital (leverage) ratio | 10.6379% | 2,793 |
| Tier 1 risk-based capital ratio | 22.2242% | 1,192 |
| Total risk-based capital ratio | 23.3363% | 1,186 |
| Memoranda: | ||
| Average total assets | $20,571,400 | 6,405 |
| Average earning assets | $16,963,600 | 6,411 |
| Average equity | $2,547,600 | 6,344 |
| Average total loans | $7,009,800 | 6,395 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 5,009 |
| Cost of funding earning assets | 0.4268% | 3,500 |
| Net interest margin | 3.2210% | 4,890 |
| Noninterest income to average assets | 0.2729% | 5,260 |
| Noninterest expense to average assets | 2.4012% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5116% | 4,831 |
| Return on assets (ROA) | 0.5116% | 4,898 |
| Pretax return on assets | 0.6003% | 5,024 |
| Return on Equity (ROE) | 3.9514% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.5298% | 4,129 |
| Net charge-offs to loans | 0.0403% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 43.9438% | 1,064 |
| Efficiency ratio | 80.0000% | 1,918 |
| Assets per employee ($millions) | 4.1098% | 3,643 |
| Cash dividends to net income (ytd only)* | 10.6700% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,783 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 5,936 |
| Noncurrent loans to loans | 0.1552% | 5,442 |
| Net loans and leases to total assets | 33.8897% | 6,117 |
| Net loans and leases to deposits | 39.1082% | 6,149 |
| Net loans and leases to core deposits | 41.7932% | 6,124 |
| Total domestic deposits to total assets | 86.6563% | 2,496 |
| Equity capital to assets | 12.5213% | 1,683 |
| Core capital (leverage) ratio | 12.6710% | 1,321 |
| Tier 1 risk-based capital ratio | 24.7127% | 903 |
| Total risk-based capital ratio | 25.9518% | 894 |
| Memoranda: | ||
| Average total assets | $19,545,250 | 6,496 |
| Average earning assets | $16,557,500 | 6,496 |
| Average equity | $2,530,750 | 6,420 |
| Average total loans | $6,631,250 | 6,477 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 5,172 |
| Cost of funding earning assets | 0.4293% | 3,559 |
| Net interest margin | 3.1647% | 5,055 |
| Noninterest income to average assets | 0.2811% | 5,177 |
| Noninterest expense to average assets | 2.4778% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4373% | 5,068 |
| Return on assets (ROA) | 0.4373% | 5,149 |
| Pretax return on assets | 0.4893% | 5,305 |
| Return on Equity (ROE) | 3.3377% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.7020% | 4,485 |
| Net charge-offs to loans | 0.0617% | 3,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,466 |
| Efficiency ratio | 83.5088% | 1,567 |
| Assets per employee ($millions) | 3.7640% | 4,327 |
| Cash dividends to net income (ytd only)* | 19.0476% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8696% | 1,654 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 6,004 |
| Noncurrent loans to loans | 0.1645% | 5,514 |
| Net loans and leases to total assets | 34.8618% | 6,111 |
| Net loans and leases to deposits | 40.7845% | 6,118 |
| Net loans and leases to core deposits | 41.6757% | 6,163 |
| Total domestic deposits to total assets | 85.4782% | 3,295 |
| Equity capital to assets | 13.6132% | 1,121 |
| Core capital (leverage) ratio | 13.1714% | 1,098 |
| Tier 1 risk-based capital ratio | 25.9409% | 782 |
| Total risk-based capital ratio | 27.1954% | 763 |
| Memoranda: | ||
| Average total assets | $19,210,670 | 6,567 |
| Average earning assets | $16,304,670 | 6,563 |
| Average equity | $2,516,670 | 6,482 |
| Average total loans | $6,478,670 | 6,543 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 5,104 |
| Cost of funding earning assets | 0.4433% | 3,500 |
| Net interest margin | 3.1769% | 4,997 |
| Noninterest income to average assets | 0.2886% | 5,063 |
| Noninterest expense to average assets | 2.5353% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3504% | 5,309 |
| Return on assets (ROA) | 0.3504% | 5,369 |
| Pretax return on assets | 0.4122% | 5,415 |
| Return on Equity (ROE) | 2.7265% | 5,551 |
| Retained earnings to average equity (ytd only) | 1.4435% | 5,042 |
| Net charge-offs to loans | 0.1255% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,895 |
| Efficiency ratio | 86.0140% | 1,454 |
| Assets per employee ($millions) | 3.6536% | 4,619 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1853% | 1,188 |
| Loan loss allowance to noncurrent loans | 1,041.6667% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 6,079 |
| Noncurrent loans to loans | 0.2098% | 5,464 |
| Net loans and leases to total assets | 30.6273% | 6,323 |
| Net loans and leases to deposits | 35.8263% | 6,325 |
| Net loans and leases to core deposits | 36.6333% | 6,347 |
| Total domestic deposits to total assets | 85.4883% | 3,618 |
| Equity capital to assets | 13.7289% | 1,026 |
| Core capital (leverage) ratio | 12.8471% | 1,225 |
| Tier 1 risk-based capital ratio | 28.3384% | 620 |
| Total risk-based capital ratio | 29.5940% | 603 |
| Memoranda: | ||
| Average total assets | $19,406,000 | 6,632 |
| Average earning assets | $16,242,000 | 6,634 |
| Average equity | $2,494,000 | 6,546 |
| Average total loans | $6,375,000 | 6,617 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 5,713 |
| Cost of funding earning assets | 0.5179% | 3,419 |
| Net interest margin | 2.9407% | 5,708 |
| Noninterest income to average assets | 0.3082% | 5,133 |
| Noninterest expense to average assets | 2.5425% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2774% | 5,598 |
| Return on assets (ROA) | 0.2774% | 5,686 |
| Pretax return on assets | 0.3030% | 5,725 |
| Return on Equity (ROE) | 2.1366% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.7409% | 4,999 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3502% | 1,077 |
| Assets per employee ($millions) | 4.1088% | 3,628 |
| Cash dividends to net income (ytd only)* | 18.5185% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,048 |
| Loan loss allowance to noncurrent loans | 77.4390% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 3,886 |
| Noncurrent loans to loans | 2.3329% | 1,650 |
| Net loans and leases to total assets | 33.6011% | 6,313 |
| Net loans and leases to deposits | 38.4761% | 6,350 |
| Net loans and leases to core deposits | 39.2283% | 6,388 |
| Total domestic deposits to total assets | 87.3296% | 2,563 |
| Equity capital to assets | 12.0717% | 1,755 |
| Core capital (leverage) ratio | 11.7987% | 1,756 |
| Tier 1 risk-based capital ratio | 23.7325% | 982 |
| Total risk-based capital ratio | 24.9457% | 971 |
| Memoranda: | ||
| Average total assets | $19,469,000 | 6,710 |
| Average earning assets | $16,798,800 | 6,703 |
| Average equity | $2,527,400 | 6,624 |
| Average total loans | $6,848,600 | 6,690 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4593% | 5,772 |
| Cost of funding earning assets | 0.5261% | 3,508 |
| Net interest margin | 2.9332% | 5,733 |
| Noninterest income to average assets | 0.3125% | 5,205 |
| Noninterest expense to average assets | 2.5346% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2986% | 5,619 |
| Return on assets (ROA) | 0.2986% | 5,735 |
| Pretax return on assets | 0.3333% | 5,790 |
| Return on Equity (ROE) | 2.2578% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.7328% | 5,274 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3777% | 1,130 |
| Assets per employee ($millions) | 3.8352% | 4,155 |
| Cash dividends to net income (ytd only)* | 23.2514% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 2,622 |
| Loan loss allowance to noncurrent loans | 76.0479% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 3,934 |
| Noncurrent loans to loans | 2.2350% | 1,974 |
| Net loans and leases to total assets | 38.3031% | 6,156 |
| Net loans and leases to deposits | 45.0641% | 6,153 |
| Net loans and leases to core deposits | 46.0357% | 6,207 |
| Total domestic deposits to total assets | 84.9969% | 3,751 |
| Equity capital to assets | 13.0893% | 1,294 |
| Core capital (leverage) ratio | 12.3073% | 1,516 |
| Tier 1 risk-based capital ratio | 23.6147% | 1,057 |
| Total risk-based capital ratio | 24.8669% | 1,035 |
| Memoranda: | ||
| Average total assets | $19,200,250 | 6,790 |
| Average earning assets | $16,727,500 | 6,782 |
| Average equity | $2,539,250 | 6,697 |
| Average total loans | $6,803,250 | 6,770 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 5,955 |
| Cost of funding earning assets | 0.5446% | 3,469 |
| Net interest margin | 2.8319% | 5,940 |
| Noninterest income to average assets | 0.3332% | 5,032 |
| Noninterest expense to average assets | 2.5718% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1874% | 5,938 |
| Return on assets (ROA) | 0.1874% | 6,053 |
| Pretax return on assets | 0.1978% | 6,087 |
| Return on Equity (ROE) | 1.4123% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.6277% | 5,648 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 828 |
| Assets per employee ($millions) | 3.9884% | 3,831 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,337 |
| Loan loss allowance to noncurrent loans | 72.1591% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 4,032 |
| Noncurrent loans to loans | 2.5338% | 1,823 |
| Net loans and leases to total assets | 34.1942% | 6,401 |
| Net loans and leases to deposits | 39.4641% | 6,429 |
| Net loans and leases to core deposits | 40.2657% | 6,462 |
| Total domestic deposits to total assets | 86.6463% | 3,032 |
| Equity capital to assets | 12.5163% | 1,565 |
| Core capital (leverage) ratio | 12.6057% | 1,316 |
| Tier 1 risk-based capital ratio | 23.9471% | 1,003 |
| Total risk-based capital ratio | 25.1995% | 986 |
| Memoranda: | ||
| Average total assets | $19,208,330 | 6,837 |
| Average earning assets | $16,526,000 | 6,835 |
| Average equity | $2,549,000 | 6,740 |
| Average total loans | $6,580,330 | 6,821 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 6,030 |
| Cost of funding earning assets | 0.5681% | 3,395 |
| Net interest margin | 2.7913% | 6,050 |
| Noninterest income to average assets | 0.3397% | 4,978 |
| Noninterest expense to average assets | 2.6749% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0637% | 6,221 |
| Return on assets (ROA) | 0.0637% | 6,307 |
| Pretax return on assets | 0.0637% | 6,315 |
| Return on Equity (ROE) | 0.4659% | 6,338 |
| Retained earnings to average equity (ytd only) | -1.0872% | 5,965 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6744% | 649 |
| Assets per employee ($millions) | 2.9023% | 6,145 |
| Cash dividends to net income (ytd only)* | 333.3333% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 1,448 |
| Loan loss allowance to noncurrent loans | 72.5714% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 3,913 |
| Noncurrent loans to loans | 3.1356% | 1,582 |
| Net loans and leases to total assets | 31.3196% | 6,547 |
| Net loans and leases to deposits | 37.2617% | 6,531 |
| Net loans and leases to core deposits | 38.1585% | 6,559 |
| Total domestic deposits to total assets | 84.0531% | 4,453 |
| Equity capital to assets | 14.7238% | 818 |
| Core capital (leverage) ratio | 13.0435% | 1,099 |
| Tier 1 risk-based capital ratio | 28.7300% | 597 |
| Total risk-based capital ratio | 29.9866% | 586 |
| Memoranda: | ||
| Average total assets | $18,841,500 | 6,920 |
| Average earning assets | $16,193,000 | 6,911 |
| Average equity | $2,575,500 | 6,798 |
| Average total loans | $6,397,500 | 6,900 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7223% | 6,010 |
| Cost of funding earning assets | 0.7032% | 3,465 |
| Net interest margin | 3.0191% | 6,010 |
| Noninterest income to average assets | 0.2950% | 5,359 |
| Noninterest expense to average assets | 2.5131% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3530% | 5,282 |
| Return on assets (ROA) | 0.3530% | 5,507 |
| Pretax return on assets | 0.4057% | 5,562 |
| Return on Equity (ROE) | 2.6068% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.4123% | 4,538 |
| Net charge-offs to loans | -0.0160% | 6,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1011% | 1,422 |
| Assets per employee ($millions) | 3.3782% | 5,265 |
| Cash dividends to net income (ytd only)* | 7.4627% | 4,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 2,721 |
| Loan loss allowance to noncurrent loans | 70.9497% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 4,280 |
| Noncurrent loans to loans | 2.4813% | 2,135 |
| Net loans and leases to total assets | 34.9647% | 6,493 |
| Net loans and leases to deposits | 40.5876% | 6,522 |
| Net loans and leases to core deposits | 41.4033% | 6,568 |
| Total domestic deposits to total assets | 86.1463% | 3,276 |
| Equity capital to assets | 12.7633% | 1,560 |
| Core capital (leverage) ratio | 12.1690% | 1,466 |
| Tier 1 risk-based capital ratio | 23.3238% | 1,062 |
| Total risk-based capital ratio | 24.5779% | 1,046 |
| Memoranda: | ||
| Average total assets | $18,980,600 | 6,972 |
| Average earning assets | $16,495,200 | 6,969 |
| Average equity | $2,570,200 | 6,866 |
| Average total loans | $6,232,000 | 6,971 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 6,122 |
| Cost of funding earning assets | 0.7523% | 3,333 |
| Net interest margin | 3.0011% | 6,168 |
| Noninterest income to average assets | 0.3073% | 5,321 |
| Noninterest expense to average assets | 2.4439% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4502% | 5,034 |
| Return on assets (ROA) | 0.4502% | 5,284 |
| Pretax return on assets | 0.4859% | 5,503 |
| Return on Equity (ROE) | 3.2736% | 5,585 |
| Retained earnings to average equity (ytd only) | 3.0136% | 4,745 |
| Net charge-offs to loans | -0.0222% | 6,522 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4146% | 1,652 |
| Assets per employee ($millions) | 3.4077% | 5,189 |
| Cash dividends to net income (ytd only)* | 7.9405% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 2,092 |
| Loan loss allowance to noncurrent loans | 69.7802% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 4,506 |
| Noncurrent loans to loans | 2.9055% | 1,923 |
| Net loans and leases to total assets | 30.0157% | 6,819 |
| Net loans and leases to deposits | 34.9030% | 6,840 |
| Net loans and leases to core deposits | 35.5995% | 6,865 |
| Total domestic deposits to total assets | 85.9973% | 3,260 |
| Equity capital to assets | 12.8240% | 1,694 |
| Core capital (leverage) ratio | 12.8444% | 1,256 |
| Tier 1 risk-based capital ratio | 24.4507% | 963 |
| Total risk-based capital ratio | 25.7048% | 951 |
| Memoranda: | ||
| Average total assets | $18,658,500 | 7,073 |
| Average earning assets | $16,304,750 | 7,065 |
| Average equity | $2,566,000 | 6,957 |
| Average total loans | $5,986,500 | 7,071 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 6,356 |
| Cost of funding earning assets | 0.7786% | 3,378 |
| Net interest margin | 2.9075% | 6,418 |
| Noninterest income to average assets | 0.3322% | 5,171 |
| Noninterest expense to average assets | 2.5688% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3986% | 5,211 |
| Return on assets (ROA) | 0.3986% | 5,452 |
| Pretax return on assets | 0.4097% | 5,690 |
| Return on Equity (ROE) | 2.8265% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.4339% | 4,970 |
| Net charge-offs to loans | -0.0339% | 6,565 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2454% | 1,411 |
| Assets per employee ($millions) | 3.0823% | 5,887 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9878% | 2,262 |
| Loan loss allowance to noncurrent loans | 68.2796% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 4,367 |
| Noncurrent loans to loans | 2.9113% | 2,051 |
| Net loans and leases to total assets | 33.8596% | 6,728 |
| Net loans and leases to deposits | 40.4627% | 6,718 |
| Net loans and leases to core deposits | 41.3825% | 6,759 |
| Total domestic deposits to total assets | 83.6812% | 4,452 |
| Equity capital to assets | 13.9775% | 1,103 |
| Core capital (leverage) ratio | 12.7753% | 1,229 |
| Tier 1 risk-based capital ratio | 24.9786% | 904 |
| Total risk-based capital ratio | 26.2318% | 891 |
| Memoranda: | ||
| Average total assets | $18,062,670 | 7,141 |
| Average earning assets | $16,440,000 | 7,121 |
| Average equity | $2,547,330 | 7,004 |
| Average total loans | $5,894,000 | 7,133 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 6,466 |
| Cost of funding earning assets | 0.7909% | 3,540 |
| Net interest margin | 2.8918% | 6,499 |
| Noninterest income to average assets | 0.3138% | 5,368 |
| Noninterest expense to average assets | 2.6895% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2241% | 5,908 |
| Return on assets (ROA) | 0.2241% | 6,053 |
| Pretax return on assets | 0.2465% | 6,089 |
| Return on Equity (ROE) | 1.5820% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.7910% | 5,743 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6031% | 969 |
| Assets per employee ($millions) | 2.9318% | 6,286 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3596% | 1,576 |
| Loan loss allowance to noncurrent loans | 67.0213% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 4,358 |
| Noncurrent loans to loans | 3.5206% | 1,772 |
| Net loans and leases to total assets | 29.6402% | 6,922 |
| Net loans and leases to deposits | 35.4140% | 6,908 |
| Net loans and leases to core deposits | 36.2612% | 6,935 |
| Total domestic deposits to total assets | 83.6962% | 4,635 |
| Equity capital to assets | 14.4619% | 872 |
| Core capital (leverage) ratio | 12.6163% | 1,285 |
| Tier 1 risk-based capital ratio | 27.6499% | 672 |
| Total risk-based capital ratio | 28.9089% | 651 |
| Memoranda: | ||
| Average total assets | $17,847,000 | 7,208 |
| Average earning assets | $16,183,500 | 7,185 |
| Average equity | $2,528,500 | 7,056 |
| Average total loans | $5,646,500 | 7,200 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 5,726 |
| Cost of funding earning assets | 1.0049% | 3,340 |
| Net interest margin | 3.3077% | 5,787 |
| Noninterest income to average assets | 0.3668% | 4,882 |
| Noninterest expense to average assets | 2.8941% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1891% | 5,624 |
| Return on assets (ROA) | 0.1891% | 5,752 |
| Pretax return on assets | 0.1891% | 5,816 |
| Return on Equity (ROE) | 1.3291% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.3291% | 5,227 |
| Net charge-offs to loans | 0.0908% | 5,432 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,485 |
| Efficiency ratio | 93.8662% | 931 |
| Assets per employee ($millions) | 3.0172% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 1,957 |
| Loan loss allowance to noncurrent loans | 65.9686% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 4,506 |
| Noncurrent loans to loans | 3.2085% | 2,016 |
| Net loans and leases to total assets | 32.1880% | 6,938 |
| Net loans and leases to deposits | 37.8598% | 6,949 |
| Net loans and leases to core deposits | 38.7253% | 6,978 |
| Total domestic deposits to total assets | 85.0191% | 3,834 |
| Equity capital to assets | 13.8817% | 1,111 |
| Core capital (leverage) ratio | 12.2779% | 1,453 |
| Tier 1 risk-based capital ratio | 24.9729% | 871 |
| Total risk-based capital ratio | 26.2210% | 864 |
| Memoranda: | ||
| Average total assets | $17,449,200 | 7,251 |
| Average earning assets | $14,330,200 | 7,257 |
| Average equity | $2,482,800 | 7,125 |
| Average total loans | $5,504,400 | 7,255 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 5,516 |
| Cost of funding earning assets | 1.0393% | 3,398 |
| Net interest margin | 3.3872% | 5,613 |
| Noninterest income to average assets | 0.3702% | 4,911 |
| Noninterest expense to average assets | 2.6997% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3471% | 5,216 |
| Return on assets (ROA) | 0.3471% | 5,402 |
| Pretax return on assets | 0.3857% | 5,513 |
| Return on Equity (ROE) | 2.4240% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.4240% | 4,910 |
| Net charge-offs to loans | 0.4204% | 3,040 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.9409% | 3,675 |
| Efficiency ratio | 87.5000% | 1,385 |
| Assets per employee ($millions) | 3.0022% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,744 |
| Loan loss allowance to noncurrent loans | 58.7629% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 4,612 |
| Noncurrent loans to loans | 3.1684% | 2,190 |
| Net loans and leases to total assets | 33.3592% | 6,984 |
| Net loans and leases to deposits | 39.5329% | 6,988 |
| Net loans and leases to core deposits | 42.5989% | 6,965 |
| Total domestic deposits to total assets | 84.3835% | 4,064 |
| Equity capital to assets | 14.2730% | 1,061 |
| Core capital (leverage) ratio | 13.2577% | 1,124 |
| Tier 1 risk-based capital ratio | 24.9327% | 920 |
| Total risk-based capital ratio | 26.1610% | 908 |
| Memoranda: | ||
| Average total assets | $17,285,750 | 7,326 |
| Average earning assets | $13,855,750 | 7,341 |
| Average equity | $2,475,250 | 7,193 |
| Average total loans | $5,392,250 | 7,332 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 5,528 |
| Cost of funding earning assets | 1.0337% | 3,717 |
| Net interest margin | 3.4156% | 5,502 |
| Noninterest income to average assets | 0.3638% | 4,964 |
| Noninterest expense to average assets | 2.7811% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2112% | 5,702 |
| Return on assets (ROA) | 0.2112% | 5,820 |
| Pretax return on assets | 0.2582% | 5,785 |
| Return on Equity (ROE) | 1.4734% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.4734% | 5,246 |
| Net charge-offs to loans | 0.6604% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.2941% | 4,319 |
| Efficiency ratio | 91.5058% | 1,132 |
| Assets per employee ($millions) | 2.9582% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 1,996 |
| Loan loss allowance to noncurrent loans | 57.5758% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 4,662 |
| Noncurrent loans to loans | 3.7557% | 1,867 |
| Net loans and leases to total assets | 29.0608% | 7,211 |
| Net loans and leases to deposits | 34.3272% | 7,208 |
| Net loans and leases to core deposits | 37.0227% | 7,195 |
| Total domestic deposits to total assets | 84.6583% | 4,049 |
| Equity capital to assets | 14.1360% | 1,053 |
| Core capital (leverage) ratio | 14.0946% | 851 |
| Tier 1 risk-based capital ratio | 26.9544% | 728 |
| Total risk-based capital ratio | 28.2160% | 714 |
| Memoranda: | ||
| Average total assets | $17,043,330 | 7,406 |
| Average earning assets | $13,350,670 | 7,425 |
| Average equity | $2,443,330 | 7,258 |
| Average total loans | $5,148,670 | 7,412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 5,267 |
| Cost of funding earning assets | 1.0988% | 3,530 |
| Net interest margin | 3.4219% | 5,341 |
| Noninterest income to average assets | 0.3595% | 5,032 |
| Noninterest expense to average assets | 2.8759% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0959% | 6,106 |
| Return on assets (ROA) | 0.0959% | 6,158 |
| Pretax return on assets | 0.0959% | 6,174 |
| Return on Equity (ROE) | 0.6638% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.6638% | 5,560 |
| Net charge-offs to loans | 0.1573% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
| Efficiency ratio | 96.7742% | 885 |
| Assets per employee ($millions) | 2.5623% | 6,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8246% | 1,087 |
| Loan loss allowance to noncurrent loans | 64.5000% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3009% | 4,366 |
| Noncurrent loans to loans | 4.3792% | 1,611 |
| Net loans and leases to total assets | 28.8669% | 7,269 |
| Net loans and leases to deposits | 34.6529% | 7,257 |
| Net loans and leases to core deposits | 35.6094% | 7,273 |
| Total domestic deposits to total assets | 83.3030% | 4,792 |
| Equity capital to assets | 15.6758% | 631 |
| Core capital (leverage) ratio | 14.3028% | 775 |
| Tier 1 risk-based capital ratio | 30.4966% | 499 |
| Total risk-based capital ratio | 31.7047% | 497 |
| Memoranda: | ||
| Average total assets | $16,690,500 | 7,469 |
| Average earning assets | $12,741,500 | 7,494 |
| Average equity | $2,410,500 | 7,318 |
| Average total loans | $5,087,000 | 7,471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 5,142 |
| Cost of funding earning assets | 1.2609% | 4,140 |
| Net interest margin | 3.6134% | 4,752 |
| Noninterest income to average assets | 0.4244% | 4,712 |
| Noninterest expense to average assets | 2.9250% | 4,126 |
| Loan and lease loss provision to assets | 0.4897% | 3,211 |
| Net operating income to assets | 0.0261% | 5,761 |
| Return on assets (ROA) | 0.0261% | 5,896 |
| Pretax return on assets | 0.0783% | 5,744 |
| Return on Equity (ROE) | 0.1746% | 5,912 |
| Retained earnings to average equity (ytd only) | -0.0436% | 5,600 |
| Net charge-offs to loans | 0.6346% | 3,120 |
| Credit loss provision to net charge-offs | 197.3684% | 1,603 |
| Earnings coverage of net charge-offs (x) | 2.2895% | 4,009 |
| Efficiency ratio | 83.7383% | 1,950 |
| Assets per employee ($millions) | 3.0012% | 6,098 |
| Cash dividends to net income (ytd only)* | 125.0000% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3364% | 1,636 |
| Loan loss allowance to noncurrent loans | 64.2157% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1329% | 4,743 |
| Noncurrent loans to loans | 3.6383% | 2,053 |
| Net loans and leases to total assets | 30.4104% | 7,337 |
| Net loans and leases to deposits | 35.5077% | 7,356 |
| Net loans and leases to core deposits | 40.6292% | 7,292 |
| Total domestic deposits to total assets | 85.6445% | 3,528 |
| Equity capital to assets | 13.3892% | 1,223 |
| Core capital (leverage) ratio | 14.0277% | 841 |
| Tier 1 risk-based capital ratio | 25.6416% | 793 |
| Total risk-based capital ratio | 26.8966% | 766 |
| Memoranda: | ||
| Average total assets | $15,316,200 | 7,567 |
| Average earning assets | $13,007,000 | 7,564 |
| Average equity | $2,291,600 | 7,455 |
| Average total loans | $5,988,000 | 7,533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 4,886 |
| Cost of funding earning assets | 1.2596% | 4,497 |
| Net interest margin | 3.7271% | 4,281 |
| Noninterest income to average assets | 0.4280% | 4,739 |
| Noninterest expense to average assets | 3.0593% | 3,538 |
| Loan and lease loss provision to assets | 0.6829% | 2,233 |
| Net operating income to assets | -0.0273% | 6,059 |
| Return on assets (ROA) | -0.0273% | 6,177 |
| Pretax return on assets | -0.0273% | 6,133 |
| Return on Equity (ROE) | -0.1769% | 6,159 |
| Retained earnings to average equity (ytd only) | -0.4718% | 5,908 |
| Net charge-offs to loans | -0.0658% | 7,502 |
| Credit loss provision to net charge-offs | -2,500.0000% | 7,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 2,024 |
| Assets per employee ($millions) | 2.4237% | 7,169 |
| Cash dividends to net income (ytd only)* | -166.7500% | 7,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6228% | 1,176 |
| Loan loss allowance to noncurrent loans | 69.3548% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.7054% | 3,891 |
| Noncurrent loans to loans | 3.7816% | 2,041 |
| Net loans and leases to total assets | 43.9142% | 6,850 |
| Net loans and leases to deposits | 53.1591% | 6,824 |
| Net loans and leases to core deposits | 54.7262% | 6,923 |
| Total domestic deposits to total assets | 82.6090% | 4,749 |
| Equity capital to assets | 15.5481% | 761 |
| Core capital (leverage) ratio | 15.2564% | 668 |
| Tier 1 risk-based capital ratio | 25.0249% | 862 |
| Total risk-based capital ratio | 26.2867% | 843 |
| Memoranda: | ||
| Average total assets | $14,643,500 | 7,674 |
| Average earning assets | $12,914,000 | 7,665 |
| Average equity | $2,261,750 | 7,554 |
| Average total loans | $6,083,250 | 7,627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 5,281 |
| Cost of funding earning assets | 1.2509% | 4,821 |
| Net interest margin | 3.6755% | 4,471 |
| Noninterest income to average assets | 0.4224% | 4,733 |
| Noninterest expense to average assets | 3.0523% | 3,514 |
| Loan and lease loss provision to assets | 1.0220% | 1,427 |
| Net operating income to assets | -0.4088% | 6,575 |
| Return on assets (ROA) | -0.4088% | 6,615 |
| Pretax return on assets | -0.4088% | 6,518 |
| Return on Equity (ROE) | -2.6525% | 6,483 |
| Retained earnings to average equity (ytd only) | -3.0946% | 6,312 |
| Net charge-offs to loans | -0.0675% | 7,498 |
| Credit loss provision to net charge-offs | -3,750.0000% | 7,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2714% | 2,003 |
| Assets per employee ($millions) | 2.4312% | 7,186 |
| Cash dividends to net income (ytd only)* | -16.6667% | 7,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8086% | 992 |
| Loan loss allowance to noncurrent loans | 68.8000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.7139% | 3,877 |
| Noncurrent loans to loans | 4.0823% | 1,849 |
| Net loans and leases to total assets | 40.8035% | 7,112 |
| Net loans and leases to deposits | 48.4454% | 7,144 |
| Net loans and leases to core deposits | 49.8409% | 7,218 |
| Total domestic deposits to total assets | 84.2257% | 4,004 |
| Equity capital to assets | 15.3082% | 821 |
| Core capital (leverage) ratio | 15.1575% | 692 |
| Tier 1 risk-based capital ratio | 25.6166% | 801 |
| Total risk-based capital ratio | 26.8785% | 789 |
| Memoranda: | ||
| Average total assets | $14,677,330 | 7,738 |
| Average earning assets | $12,950,670 | 7,729 |
| Average equity | $2,262,000 | 7,614 |
| Average total loans | $5,925,000 | 7,699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 5,731 |
| Cost of funding earning assets | 1.2635% | 5,046 |
| Net interest margin | 3.5749% | 4,834 |
| Noninterest income to average assets | 0.4347% | 4,613 |
| Noninterest expense to average assets | 3.0430% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5434% | 4,162 |
| Return on assets (ROA) | 0.5434% | 4,299 |
| Pretax return on assets | 0.5434% | 4,807 |
| Return on Equity (ROE) | 3.5142% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.6356% | 4,565 |
| Net charge-offs to loans | -0.0687% | 7,439 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8485% | 1,926 |
| Assets per employee ($millions) | 2.3963% | 7,337 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 3,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 38.9067% | 7,311 |
| Net loans and leases to deposits | 48.9628% | 7,185 |
| Net loans and leases to core deposits | 50.4828% | 7,265 |
| Total domestic deposits to total assets | 79.4617% | 5,969 |
| Equity capital to assets | 15.8854% | 689 |
| Core capital (leverage) ratio | 15.9832% | 585 |
| Tier 1 risk-based capital ratio | 27.2619% | 690 |
| Total risk-based capital ratio | 28.3958% | 683 |
| Memoranda: | ||
| Average total assets | $14,722,500 | 7,838 |
| Average earning assets | $12,979,500 | 7,831 |
| Average equity | $2,276,500 | 7,698 |
| Average total loans | $5,825,500 | 7,802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 5,039 |
| Cost of funding earning assets | 1.6746% | 4,642 |
| Net interest margin | 3.6529% | 4,343 |
| Noninterest income to average assets | 0.4140% | 5,087 |
| Noninterest expense to average assets | 3.2054% | 3,363 |
| Loan and lease loss provision to assets | 0.0534% | 7,030 |
| Net operating income to assets | 0.1269% | 5,127 |
| Return on assets (ROA) | 0.1269% | 5,183 |
| Pretax return on assets | 0.1269% | 5,162 |
| Return on Equity (ROE) | 0.8389% | 5,279 |
| Retained earnings to average equity (ytd only) | -0.0442% | 4,942 |
| Net charge-offs to loans | 0.0870% | 6,251 |
| Credit loss provision to net charge-offs | 160.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,612 |
| Efficiency ratio | 94.6746% | 1,370 |
| Assets per employee ($millions) | 2.1524% | 7,612 |
| Cash dividends to net income (ytd only)* | 105.2632% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 3,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 38.9460% | 7,407 |
| Net loans and leases to deposits | 46.1176% | 7,435 |
| Net loans and leases to core deposits | 51.1462% | 7,558 |
| Total domestic deposits to total assets | 84.4495% | 3,821 |
| Equity capital to assets | 15.0594% | 893 |
| Core capital (leverage) ratio | 14.8427% | 818 |
| Tier 1 risk-based capital ratio | 25.9255% | 767 |
| Total risk-based capital ratio | 26.9995% | 772 |
| Memoranda: | ||
| Average total assets | $14,974,600 | 7,895 |
| Average earning assets | $12,182,000 | 7,910 |
| Average equity | $2,265,000 | 7,785 |
| Average total loans | $5,749,200 | 7,872 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3679% | 5,101 |
| Cost of funding earning assets | 1.7222% | 4,790 |
| Net interest margin | 3.6458% | 4,294 |
| Noninterest income to average assets | 0.4281% | 5,065 |
| Noninterest expense to average assets | 3.1836% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1159% | 5,420 |
| Return on assets (ROA) | 0.1159% | 5,476 |
| Pretax return on assets | 0.1516% | 5,411 |
| Return on Equity (ROE) | 0.7655% | 5,561 |
| Retained earnings to average equity (ytd only) | -0.4121% | 5,321 |
| Net charge-offs to loans | 0.1404% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.8338% | 3,805 |
| Efficiency ratio | 95.4545% | 1,305 |
| Assets per employee ($millions) | 2.2249% | 7,590 |
| Cash dividends to net income (ytd only)* | 153.8950% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 3,499 |
| 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 | 36.0986% | 7,618 |
| Net loans and leases to deposits | 42.4911% | 7,660 |
| Net loans and leases to core deposits | 47.7209% | 7,737 |
| Total domestic deposits to total assets | 84.9557% | 3,260 |
| Equity capital to assets | 14.5306% | 1,136 |
| Core capital (leverage) ratio | 15.0897% | 838 |
| Tier 1 risk-based capital ratio | 26.3845% | 795 |
| Total risk-based capital ratio | 27.3755% | 794 |
| Memoranda: | ||
| Average total assets | $14,951,500 | 7,976 |
| Average earning assets | $11,922,250 | 7,996 |
| Average equity | $2,264,000 | 7,863 |
| Average total loans | $5,696,000 | 7,950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 5,023 |
| Cost of funding earning assets | 1.7450% | 5,046 |
| Net interest margin | 3.6783% | 4,055 |
| Noninterest income to average assets | 0.4476% | 4,871 |
| Noninterest expense to average assets | 3.1470% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1899% | 5,300 |
| Return on assets (ROA) | 0.1899% | 5,377 |
| Pretax return on assets | 0.2170% | 5,422 |
| Return on Equity (ROE) | 1.2366% | 5,559 |
| Retained earnings to average equity (ytd only) | -0.5300% | 5,355 |
| Net charge-offs to loans | -0.0703% | 7,900 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5484% | 1,529 |
| Assets per employee ($millions) | 2.0716% | 7,800 |
| Cash dividends to net income (ytd only)* | 142.8571% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 2,487 |
| Loan loss allowance to noncurrent loans | 138.8060% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 6,289 |
| Noncurrent loans to loans | 1.1962% | 4,821 |
| Net loans and leases to total assets | 37.9836% | 7,636 |
| Net loans and leases to deposits | 45.2626% | 7,664 |
| Net loans and leases to core deposits | 47.6306% | 7,806 |
| Total domestic deposits to total assets | 83.9184% | 3,815 |
| Equity capital to assets | 15.6127% | 904 |
| Core capital (leverage) ratio | 15.8855% | 759 |
| Tier 1 risk-based capital ratio | 27.3926% | 751 |
| Total risk-based capital ratio | 28.5178% | 745 |
| Memoranda: | ||
| Average total assets | $14,744,000 | 8,073 |
| Average earning assets | $11,690,330 | 8,087 |
| Average equity | $2,264,330 | 7,936 |
| Average total loans | $5,692,330 | 8,039 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 5,395 |
| Cost of funding earning assets | 1.8020% | 5,105 |
| Net interest margin | 3.6041% | 4,303 |
| Noninterest income to average assets | 0.3767% | 5,416 |
| Noninterest expense to average assets | 2.9599% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2422% | 5,517 |
| Return on assets (ROA) | 0.2422% | 5,683 |
| Pretax return on assets | 0.2691% | 5,763 |
| Return on Equity (ROE) | 1.5898% | 5,924 |
| Retained earnings to average equity (ytd only) | -1.9430% | 6,093 |
| Net charge-offs to loans | -0.0697% | 7,793 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 1,597 |
| Assets per employee ($millions) | 2.0593% | 7,849 |
| Cash dividends to net income (ytd only)* | 222.2222% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,118 |
| 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 | 36.7326% | 7,707 |
| Net loans and leases to deposits | 43.8364% | 7,730 |
| Net loans and leases to core deposits | 45.5601% | 7,875 |
| Total domestic deposits to total assets | 83.7947% | 3,806 |
| Equity capital to assets | 15.6712% | 932 |
| Core capital (leverage) ratio | 15.3705% | 891 |
| Tier 1 risk-based capital ratio | 28.0830% | 748 |
| Total risk-based capital ratio | 29.2268% | 736 |
| Memoranda: | ||
| Average total assets | $14,865,500 | 8,120 |
| Average earning assets | $11,764,500 | 8,135 |
| Average equity | $2,264,500 | 7,986 |
| Average total loans | $5,738,000 | 8,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7841% | 6,490 |
| Cost of funding earning assets | 1.9813% | 6,469 |
| Net interest margin | 3.8028% | 4,003 |
| Noninterest income to average assets | 0.4510% | 5,033 |
| Noninterest expense to average assets | 3.3050% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2884% | 5,582 |
| Return on assets (ROA) | 0.2884% | 5,391 |
| Pretax return on assets | 0.3105% | 5,488 |
| Return on Equity (ROE) | 1.7324% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.7552% | 4,777 |
| Net charge-offs to loans | -0.1673% | 8,149 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4110% | 1,416 |
| Assets per employee ($millions) | 2.5527% | 7,106 |
| Cash dividends to net income (ytd only)* | 56.4103% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 2,727 |
| 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 | 39.1617% | 7,711 |
| Net loans and leases to deposits | 46.2345% | 7,774 |
| Net loans and leases to core deposits | 47.9188% | 7,928 |
| Total domestic deposits to total assets | 84.7023% | 2,976 |
| Equity capital to assets | 14.8211% | 1,209 |
| Core capital (leverage) ratio | 15.9870% | 827 |
| Tier 1 risk-based capital ratio | 25.7955% | 921 |
| Total risk-based capital ratio | 26.8295% | 914 |
| Memoranda: | ||
| Average total assets | $13,525,000 | 8,194 |
| Average earning assets | $11,255,000 | 8,198 |
| Average equity | $2,251,200 | 8,059 |
| Average total loans | $4,782,000 | 8,169 |