Home > The Gary State Bank > Performance and Condition Ratios
The Gary State Bank, Performance and Condition Ratios
| 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 | 5.2209% | 1,184 |
| Cost of funding earning assets | 0.3577% | 4,229 |
| Net interest margin | 4.8631% | 366 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.9380% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2088% | 352 |
| Return on assets (ROA) | 2.2088% | 342 |
| Pretax return on assets | 2.2088% | 524 |
| Return on Equity (ROE) | 18.6300% | 881 |
| Retained earnings to average equity (ytd only) | -1.3371% | 4,241 |
| Net charge-offs to loans | -0.0369% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.0842% | 3,291 |
| Assets per employee ($millions) | 4.3533% | 4,034 |
| Cash dividends to net income (ytd only)* | 107.1770% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7810% | 157 |
| 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 | 62.2400% | 2,558 |
| Net loans and leases to deposits | 73.3518% | 2,556 |
| Net loans and leases to core deposits | 73.3518% | 2,938 |
| Total domestic deposits to total assets | 84.8400% | 2,588 |
| Equity capital to assets | 13.0477% | 797 |
| Core capital (leverage) ratio | 12.3398% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3843% | 531 |
| Memoranda: | ||
| Average total assets | $18,924,667 | 4,578 |
| Average earning assets | $17,889,667 | 4,543 |
| Average equity | $2,243,667 | 4,525 |
| Average total loans | $10,831,333 | 4,458 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 1,587 |
| Cost of funding earning assets | 0.3226% | 4,135 |
| Net interest margin | 4.4950% | 588 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.8455% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9715% | 514 |
| Return on assets (ROA) | 1.9715% | 506 |
| Pretax return on assets | 1.9715% | 819 |
| Return on Equity (ROE) | 17.4000% | 1,114 |
| Retained earnings to average equity (ytd only) | -20.6324% | 4,598 |
| Net charge-offs to loans | -0.0750% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0717% | 3,067 |
| Assets per employee ($millions) | 5.2520% | 3,457 |
| Cash dividends to net income (ytd only)* | 218.5567% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9331% | 138 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 48.8300% | 3,579 |
| Net loans and leases to deposits | 55.2301% | 3,619 |
| Net loans and leases to core deposits | 55.2301% | 3,784 |
| Total domestic deposits to total assets | 88.4200% | 1,769 |
| Equity capital to assets | 10.3389% | 1,647 |
| Core capital (leverage) ratio | 11.2034% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4476% | 542 |
| Memoranda: | ||
| Average total assets | $19,680,500 | 4,636 |
| Average earning assets | $18,598,500 | 4,607 |
| Average equity | $2,229,500 | 4,591 |
| Average total loans | $10,673,500 | 4,524 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 921 |
| Cost of funding earning assets | 0.2012% | 3,752 |
| Net interest margin | 4.1769% | 569 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 3.2195% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4619% | 975 |
| Return on assets (ROA) | 1.4619% | 937 |
| Pretax return on assets | 1.4786% | 1,519 |
| Return on Equity (ROE) | 11.8400% | 2,198 |
| Retained earnings to average equity (ytd only) | 1.3555% | 4,130 |
| Net charge-offs to loans | -0.0275% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.5273% | 1,897 |
| Assets per employee ($millions) | 4.5883% | 3,975 |
| Cash dividends to net income (ytd only)* | 88.5496% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8577% | 137 |
| Loan loss allowance to noncurrent loans | 5,133.3333% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,481 |
| Noncurrent loans to loans | 0.0557% | 3,357 |
| Net loans and leases to total assets | 57.0500% | 2,912 |
| Net loans and leases to deposits | 66.3120% | 2,874 |
| Net loans and leases to core deposits | 66.3120% | 3,114 |
| Total domestic deposits to total assets | 86.0300% | 2,714 |
| Equity capital to assets | 12.4612% | 813 |
| Core capital (leverage) ratio | 11.7126% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9196% | 486 |
| Memoranda: | ||
| Average total assets | $17,922,000 | 4,678 |
| Average earning assets | $16,902,600 | 4,645 |
| Average equity | $2,213,200 | 4,664 |
| Average total loans | $10,901,600 | 4,545 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 955 |
| Cost of funding earning assets | 0.1831% | 3,482 |
| Net interest margin | 3.9795% | 666 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 3.1135% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3173% | 1,296 |
| Return on assets (ROA) | 1.3173% | 1,269 |
| Pretax return on assets | 1.3397% | 1,921 |
| Return on Equity (ROE) | 10.6900% | 2,509 |
| Retained earnings to average equity (ytd only) | -3.4020% | 4,551 |
| Net charge-offs to loans | -0.0244% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.9160% | 1,773 |
| Assets per employee ($millions) | 4.5768% | 3,999 |
| Cash dividends to net income (ytd only)* | 131.8182% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6559% | 193 |
| Loan loss allowance to noncurrent loans | 4,385.7143% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,532 |
| Noncurrent loans to loans | 0.0606% | 3,447 |
| Net loans and leases to total assets | 61.4600% | 2,355 |
| Net loans and leases to deposits | 71.0712% | 2,281 |
| Net loans and leases to core deposits | 71.0712% | 2,563 |
| Total domestic deposits to total assets | 86.4800% | 2,929 |
| Equity capital to assets | 12.0227% | 884 |
| Core capital (leverage) ratio | 12.4084% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4444% | 688 |
| Memoranda: | ||
| Average total assets | $17,814,250 | 4,716 |
| Average earning assets | $16,752,250 | 4,684 |
| Average equity | $2,194,750 | 4,707 |
| Average total loans | $10,932,500 | 4,579 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 978 |
| Cost of funding earning assets | 0.1811% | 3,167 |
| Net interest margin | 3.7919% | 766 |
| Noninterest income to average assets | 0.6912% | 1,380 |
| Noninterest expense to average assets | 3.2181% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9972% | 2,163 |
| Return on assets (ROA) | 0.9972% | 2,137 |
| Pretax return on assets | 1.0312% | 2,632 |
| Return on Equity (ROE) | 8.0268% | 3,009 |
| Retained earnings to average equity (ytd only) | -13.1347% | 4,695 |
| Net charge-offs to loans | -0.0373% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7333% | 1,314 |
| Assets per employee ($millions) | 4.4018% | 4,154 |
| Cash dividends to net income (ytd only)* | 263.6364% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7267% | 193 |
| Loan loss allowance to noncurrent loans | 15,350.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,917 |
| Noncurrent loans to loans | 0.0178% | 3,833 |
| Net loans and leases to total assets | 62.2025% | 2,107 |
| Net loans and leases to deposits | 71.9390% | 2,031 |
| Net loans and leases to core deposits | 71.9390% | 2,340 |
| Total domestic deposits to total assets | 86.4656% | 3,123 |
| Equity capital to assets | 12.0009% | 873 |
| Core capital (leverage) ratio | 12.0791% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3430% | 674 |
| Memoranda: | ||
| Average total assets | $17,650,000 | 4,750 |
| Average earning assets | $16,561,667 | 4,735 |
| Average equity | $2,192,667 | 4,732 |
| Average total loans | $10,723,667 | 4,646 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 1,142 |
| Cost of funding earning assets | 0.1933% | 2,887 |
| Net interest margin | 3.5764% | 936 |
| Noninterest income to average assets | 0.6564% | 1,461 |
| Noninterest expense to average assets | 3.3274% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6338% | 3,281 |
| Return on assets (ROA) | 0.6338% | 3,261 |
| Pretax return on assets | 0.6791% | 3,449 |
| Return on Equity (ROE) | 5.0168% | 3,617 |
| Retained earnings to average equity (ytd only) | -8.7794% | 4,539 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0508% | 915 |
| Assets per employee ($millions) | 4.4278% | 4,176 |
| Cash dividends to net income (ytd only)* | 275.0000% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8428% | 181 |
| Loan loss allowance to noncurrent loans | 1,270.8333% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 2,844 |
| Noncurrent loans to loans | 0.2237% | 2,701 |
| Net loans and leases to total assets | 58.8561% | 2,201 |
| Net loans and leases to deposits | 68.5880% | 2,089 |
| Net loans and leases to core deposits | 68.5880% | 2,407 |
| Total domestic deposits to total assets | 85.8111% | 3,319 |
| Equity capital to assets | 12.4668% | 817 |
| Core capital (leverage) ratio | 12.4661% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1675% | 543 |
| Memoranda: | ||
| Average total assets | $17,671,500 | 4,773 |
| Average earning assets | $16,553,000 | 4,758 |
| Average equity | $2,232,500 | 4,757 |
| Average total loans | $10,456,000 | 4,673 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 398 |
| Cost of funding earning assets | 0.2419% | 3,033 |
| Net interest margin | 4.4965% | 275 |
| Noninterest income to average assets | 0.8474% | 1,326 |
| Noninterest expense to average assets | 3.4012% | 545 |
| Loan and lease loss provision to assets | 0.0351% | 2,352 |
| Net operating income to assets | 1.6480% | 709 |
| Return on assets (ROA) | 1.6480% | 746 |
| Pretax return on assets | 1.6480% | 1,282 |
| Return on Equity (ROE) | 13.0387% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.0688% | 3,195 |
| Net charge-offs to loans | -0.0378% | 4,206 |
| Credit loss provision to net charge-offs | -150.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8966% | 2,136 |
| Assets per employee ($millions) | 4.4080% | 4,189 |
| Cash dividends to net income (ytd only)* | 68.7943% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9952% | 148 |
| 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 | 56.0231% | 2,608 |
| Net loans and leases to deposits | 65.6215% | 2,545 |
| Net loans and leases to core deposits | 65.6215% | 2,852 |
| Total domestic deposits to total assets | 85.3732% | 3,147 |
| Equity capital to assets | 12.8006% | 960 |
| Core capital (leverage) ratio | 12.5647% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0999% | 438 |
| Memoranda: | ||
| Average total assets | $17,111,800 | 4,820 |
| Average earning assets | $16,123,800 | 4,802 |
| Average equity | $2,162,800 | 4,805 |
| Average total loans | $10,568,600 | 4,721 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 302 |
| Cost of funding earning assets | 0.2579% | 3,033 |
| Net interest margin | 4.7346% | 214 |
| Noninterest income to average assets | 0.7145% | 1,776 |
| Noninterest expense to average assets | 3.2740% | 623 |
| Loan and lease loss provision to assets | 0.0294% | 2,411 |
| Net operating income to assets | 1.8765% | 584 |
| Return on assets (ROA) | 1.8765% | 603 |
| Pretax return on assets | 1.8765% | 987 |
| Return on Equity (ROE) | 14.8958% | 1,165 |
| Retained earnings to average equity (ytd only) | 2.8047% | 3,965 |
| Net charge-offs to loans | -0.0625% | 4,441 |
| Credit loss provision to net charge-offs | -80.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1818% | 2,512 |
| Assets per employee ($millions) | 4.2688% | 4,290 |
| Cash dividends to net income (ytd only)* | 81.1715% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7773% | 199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.3250% | 1,970 |
| Net loans and leases to deposits | 73.2013% | 1,940 |
| Net loans and leases to core deposits | 73.2013% | 2,301 |
| Total domestic deposits to total assets | 85.1420% | 3,067 |
| Equity capital to assets | 12.9663% | 991 |
| Core capital (leverage) ratio | 12.8766% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0099% | 600 |
| Memoranda: | ||
| Average total assets | $16,981,750 | 4,894 |
| Average earning assets | $16,023,500 | 4,877 |
| Average equity | $2,139,250 | 4,879 |
| Average total loans | $10,665,000 | 4,792 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3316% | 206 |
| Cost of funding earning assets | 0.2598% | 3,188 |
| Net interest margin | 5.0719% | 156 |
| Noninterest income to average assets | 0.7079% | 1,777 |
| Noninterest expense to average assets | 3.2801% | 634 |
| Loan and lease loss provision to assets | 0.0354% | 2,284 |
| Net operating income to assets | 2.2300% | 321 |
| Return on assets (ROA) | 2.2300% | 340 |
| Pretax return on assets | 2.2300% | 545 |
| Return on Equity (ROE) | 17.8780% | 669 |
| Retained earnings to average equity (ytd only) | -0.4730% | 4,562 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1489% | 3,132 |
| Assets per employee ($millions) | 4.3308% | 4,235 |
| Cash dividends to net income (ytd only)* | 102.6455% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 206 |
| 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 | 61.6695% | 2,214 |
| Net loans and leases to deposits | 71.9879% | 2,206 |
| Net loans and leases to core deposits | 73.2364% | 2,491 |
| Total domestic deposits to total assets | 85.6665% | 2,850 |
| Equity capital to assets | 12.4921% | 1,137 |
| Core capital (leverage) ratio | 12.5712% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4002% | 582 |
| Memoranda: | ||
| Average total assets | $16,950,667 | 4,929 |
| Average earning assets | $16,167,667 | 4,911 |
| Average equity | $2,114,333 | 4,916 |
| Average total loans | $10,571,333 | 4,829 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 1,783 |
| Cost of funding earning assets | 0.2746% | 3,227 |
| Net interest margin | 3.6453% | 1,463 |
| Noninterest income to average assets | 0.6919% | 1,892 |
| Noninterest expense to average assets | 3.2927% | 615 |
| Loan and lease loss provision to assets | 0.0477% | 2,124 |
| Net operating income to assets | 0.8351% | 3,312 |
| Return on assets (ROA) | 0.8351% | 3,393 |
| Pretax return on assets | 0.8351% | 3,752 |
| Return on Equity (ROE) | 6.7002% | 3,681 |
| Retained earnings to average equity (ytd only) | -30.4379% | 4,951 |
| Net charge-offs to loans | -0.0386% | 4,288 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8571% | 905 |
| Assets per employee ($millions) | 4.2983% | 4,275 |
| Cash dividends to net income (ytd only)* | 554.2857% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8659% | 170 |
| Loan loss allowance to noncurrent loans | 14,900.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,301 |
| Noncurrent loans to loans | 0.0192% | 4,191 |
| Net loans and leases to total assets | 58.7448% | 2,716 |
| Net loans and leases to deposits | 68.1282% | 2,689 |
| Net loans and leases to core deposits | 69.3110% | 2,928 |
| Total domestic deposits to total assets | 86.2270% | 2,658 |
| Equity capital to assets | 11.6908% | 1,445 |
| Core capital (leverage) ratio | 12.2360% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8849% | 592 |
| Memoranda: | ||
| Average total assets | $16,764,500 | 4,956 |
| Average earning assets | $16,020,500 | 4,941 |
| Average equity | $2,089,500 | 4,942 |
| Average total loans | $10,366,500 | 4,856 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 315 |
| Cost of funding earning assets | 0.4344% | 3,382 |
| Net interest margin | 4.7998% | 173 |
| Noninterest income to average assets | 0.9232% | 1,209 |
| Noninterest expense to average assets | 3.8122% | 452 |
| Loan and lease loss provision to assets | 0.0398% | 3,904 |
| Net operating income to assets | 1.6205% | 616 |
| Return on assets (ROA) | 1.6205% | 665 |
| Pretax return on assets | 1.6205% | 1,030 |
| Return on Equity (ROE) | 11.6423% | 1,432 |
| Retained earnings to average equity (ytd only) | 1.0974% | 4,191 |
| Net charge-offs to loans | 0.0181% | 2,722 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 684 |
| Efficiency ratio | 69.6602% | 1,997 |
| Assets per employee ($millions) | 4.0840% | 4,310 |
| Cash dividends to net income (ytd only)* | 90.5738% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8544% | 168 |
| Loan loss allowance to noncurrent loans | 14,750.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,356 |
| Noncurrent loans to loans | 0.0194% | 4,265 |
| Net loans and leases to total assets | 61.4594% | 2,669 |
| Net loans and leases to deposits | 72.8117% | 2,608 |
| Net loans and leases to core deposits | 72.8117% | 3,012 |
| Total domestic deposits to total assets | 84.4087% | 2,979 |
| Equity capital to assets | 13.2774% | 1,007 |
| Core capital (leverage) ratio | 13.3370% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6605% | 530 |
| Memoranda: | ||
| Average total assets | $15,057,000 | 4,984 |
| Average earning assets | $14,271,400 | 4,972 |
| Average equity | $2,095,800 | 4,965 |
| Average total loans | $11,053,400 | 4,876 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 242 |
| Cost of funding earning assets | 0.4775% | 3,376 |
| Net interest margin | 4.9947% | 144 |
| Noninterest income to average assets | 0.6695% | 1,908 |
| Noninterest expense to average assets | 3.6008% | 614 |
| Loan and lease loss provision to assets | 0.0475% | 3,768 |
| Net operating income to assets | 1.7551% | 505 |
| Return on assets (ROA) | 1.7551% | 567 |
| Pretax return on assets | 1.7551% | 860 |
| Return on Equity (ROE) | 12.4506% | 1,258 |
| Retained earnings to average equity (ytd only) | -1.7328% | 4,683 |
| Net charge-offs to loans | 0.0237% | 2,367 |
| Credit loss provision to net charge-offs | 250.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 794 |
| Efficiency ratio | 66.6667% | 2,376 |
| Assets per employee ($millions) | 3.8560% | 4,437 |
| Cash dividends to net income (ytd only)* | 113.9175% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7159% | 185 |
| 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 | 68.2767% | 2,198 |
| Net loans and leases to deposits | 81.4400% | 2,154 |
| Net loans and leases to core deposits | 81.4400% | 2,705 |
| Total domestic deposits to total assets | 83.8369% | 2,875 |
| Equity capital to assets | 13.7383% | 930 |
| Core capital (leverage) ratio | 14.1238% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5853% | 714 |
| Memoranda: | ||
| Average total assets | $14,737,250 | 5,016 |
| Average earning assets | $13,961,000 | 5,005 |
| Average equity | $2,077,500 | 4,999 |
| Average total loans | $11,233,000 | 4,904 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5132% | 331 |
| Cost of funding earning assets | 0.4933% | 3,577 |
| Net interest margin | 5.0199% | 197 |
| Noninterest income to average assets | 0.7030% | 1,724 |
| Noninterest expense to average assets | 3.5979% | 651 |
| Loan and lease loss provision to assets | 0.0414% | 3,759 |
| Net operating income to assets | 1.8334% | 472 |
| Return on assets (ROA) | 1.8334% | 516 |
| Pretax return on assets | 1.8334% | 765 |
| Return on Equity (ROE) | 12.8897% | 1,126 |
| Retained earnings to average equity (ytd only) | -8.5285% | 4,890 |
| Net charge-offs to loans | 0.0352% | 2,034 |
| Credit loss provision to net charge-offs | 150.0000% | 2,122 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 894 |
| Efficiency ratio | 65.7431% | 2,560 |
| Assets per employee ($millions) | 3.6468% | 4,580 |
| Cash dividends to net income (ytd only)* | 166.1654% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4987% | 221 |
| 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 | 78.1106% | 833 |
| Net loans and leases to deposits | 96.9537% | 728 |
| Net loans and leases to core deposits | 96.9537% | 1,501 |
| Total domestic deposits to total assets | 80.5649% | 3,713 |
| Equity capital to assets | 14.1085% | 835 |
| Core capital (leverage) ratio | 13.7099% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1882% | 884 |
| Memoranda: | ||
| Average total assets | $14,508,333 | 5,049 |
| Average earning assets | $13,785,000 | 5,036 |
| Average equity | $2,063,667 | 5,031 |
| Average total loans | $11,369,000 | 4,934 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 318 |
| Cost of funding earning assets | 0.5284% | 3,803 |
| Net interest margin | 5.0490% | 173 |
| Noninterest income to average assets | 0.7188% | 1,573 |
| Noninterest expense to average assets | 3.7045% | 696 |
| Loan and lease loss provision to assets | 0.0553% | 3,075 |
| Net operating income to assets | 1.7140% | 500 |
| Return on assets (ROA) | 1.7140% | 553 |
| Pretax return on assets | 1.7140% | 838 |
| Return on Equity (ROE) | 12.0010% | 1,106 |
| Retained earnings to average equity (ytd only) | -30.7767% | 5,044 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6768% | 2,725 |
| Assets per employee ($millions) | 3.6483% | 4,333 |
| Cash dividends to net income (ytd only)* | 356.4516% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6240% | 208 |
| Loan loss allowance to noncurrent loans | 4,185.7143% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,364 |
| Noncurrent loans to loans | 0.0627% | 4,289 |
| Net loans and leases to total assets | 74.5083% | 1,531 |
| Net loans and leases to deposits | 92.1988% | 1,261 |
| Net loans and leases to core deposits | 92.1988% | 2,132 |
| Total domestic deposits to total assets | 80.8127% | 3,706 |
| Equity capital to assets | 13.6161% | 1,173 |
| Core capital (leverage) ratio | 13.6968% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2663% | 949 |
| Memoranda: | ||
| Average total assets | $14,469,000 | 5,095 |
| Average earning assets | $13,626,500 | 5,083 |
| Average equity | $2,066,500 | 5,077 |
| Average total loans | $11,210,500 | 4,979 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 628 |
| Cost of funding earning assets | 0.5114% | 4,038 |
| Net interest margin | 4.9172% | 320 |
| Noninterest income to average assets | 0.9243% | 1,131 |
| Noninterest expense to average assets | 3.6693% | 792 |
| Loan and lease loss provision to assets | 0.0417% | 3,179 |
| Net operating income to assets | 1.8902% | 437 |
| Return on assets (ROA) | 1.8902% | 456 |
| Pretax return on assets | 1.8902% | 761 |
| Return on Equity (ROE) | 13.3294% | 1,066 |
| Retained earnings to average equity (ytd only) | 3.4304% | 3,292 |
| Net charge-offs to loans | -0.0633% | 4,866 |
| Credit loss provision to net charge-offs | -85.7143% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5087% | 2,840 |
| Assets per employee ($millions) | 2.8690% | 4,876 |
| Cash dividends to net income (ytd only)* | 74.2647% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5855% | 195 |
| Loan loss allowance to noncurrent loans | 1,077.7778% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,711 |
| Noncurrent loans to loans | 0.2399% | 3,587 |
| Net loans and leases to total assets | 76.4308% | 1,336 |
| Net loans and leases to deposits | 96.9751% | 843 |
| Net loans and leases to core deposits | 96.9751% | 1,820 |
| Total domestic deposits to total assets | 78.8149% | 4,216 |
| Equity capital to assets | 14.9599% | 805 |
| Core capital (leverage) ratio | 14.1482% | 892 |
| Tier 1 risk-based capital ratio | 19.5642% | 1,398 |
| Total risk-based capital ratio | 20.8314% | 1,364 |
| Memoranda: | ||
| Average total assets | $14,389,800 | 5,156 |
| Average earning assets | $13,686,600 | 5,143 |
| Average equity | $2,040,600 | 5,136 |
| Average total loans | $11,053,000 | 5,041 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 814 |
| Cost of funding earning assets | 0.4967% | 4,151 |
| Net interest margin | 4.8306% | 392 |
| Noninterest income to average assets | 0.8240% | 1,347 |
| Noninterest expense to average assets | 3.6200% | 827 |
| Loan and lease loss provision to assets | 0.0463% | 2,975 |
| Net operating income to assets | 1.7498% | 678 |
| Return on assets (ROA) | 1.7498% | 714 |
| Pretax return on assets | 1.7498% | 1,198 |
| Return on Equity (ROE) | 12.5104% | 1,440 |
| Retained earnings to average equity (ytd only) | -0.8604% | 4,849 |
| Net charge-offs to loans | -0.0727% | 4,923 |
| Credit loss provision to net charge-offs | -83.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8376% | 2,609 |
| Assets per employee ($millions) | 3.0086% | 4,886 |
| Cash dividends to net income (ytd only)* | 106.8812% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5630% | 205 |
| Loan loss allowance to noncurrent loans | 7,225.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,605 |
| Noncurrent loans to loans | 0.0355% | 4,503 |
| Net loans and leases to total assets | 73.0373% | 1,992 |
| Net loans and leases to deposits | 101.5528% | 529 |
| Net loans and leases to core deposits | 101.5528% | 1,540 |
| Total domestic deposits to total assets | 71.9205% | 4,923 |
| Equity capital to assets | 13.7140% | 1,265 |
| Core capital (leverage) ratio | 13.8894% | 1,014 |
| Tier 1 risk-based capital ratio | 18.4049% | 1,711 |
| Total risk-based capital ratio | 19.6717% | 1,673 |
| Memoranda: | ||
| Average total assets | $14,401,000 | 5,234 |
| Average earning assets | $13,690,250 | 5,222 |
| Average equity | $2,014,250 | 5,214 |
| Average total loans | $11,002,500 | 5,122 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1747% | 1,032 |
| Cost of funding earning assets | 0.4003% | 4,508 |
| Net interest margin | 4.7744% | 429 |
| Noninterest income to average assets | 0.8317% | 1,244 |
| Noninterest expense to average assets | 3.6935% | 759 |
| Loan and lease loss provision to assets | 0.0423% | 2,973 |
| Net operating income to assets | 1.6353% | 842 |
| Return on assets (ROA) | 1.6353% | 879 |
| Pretax return on assets | 1.6353% | 1,439 |
| Return on Equity (ROE) | 11.6116% | 1,737 |
| Retained earnings to average equity (ytd only) | -8.6086% | 5,148 |
| Net charge-offs to loans | -0.1100% | 5,017 |
| Credit loss provision to net charge-offs | -50.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7664% | 2,407 |
| Assets per employee ($millions) | 2.9466% | 4,938 |
| Cash dividends to net income (ytd only)* | 174.1379% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4900% | 223 |
| Loan loss allowance to noncurrent loans | 1,510.5263% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 4,109 |
| Noncurrent loans to loans | 0.1648% | 3,962 |
| Net loans and leases to total assets | 76.2845% | 1,509 |
| Net loans and leases to deposits | 106.6926% | 314 |
| Net loans and leases to core deposits | 106.6926% | 1,201 |
| Total domestic deposits to total assets | 71.4994% | 4,994 |
| Equity capital to assets | 13.5071% | 1,312 |
| Core capital (leverage) ratio | 14.2244% | 898 |
| Tier 1 risk-based capital ratio | 17.6465% | 1,895 |
| Total risk-based capital ratio | 18.9146% | 1,844 |
| Memoranda: | ||
| Average total assets | $14,187,000 | 5,281 |
| Average earning assets | $13,488,670 | 5,270 |
| Average equity | $1,998,000 | 5,258 |
| Average total loans | $10,911,330 | 5,168 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 985 |
| Cost of funding earning assets | 0.3318% | 4,736 |
| Net interest margin | 4.8267% | 384 |
| Noninterest income to average assets | 0.8049% | 1,290 |
| Noninterest expense to average assets | 3.7947% | 652 |
| Loan and lease loss provision to assets | 0.0575% | 2,511 |
| Net operating income to assets | 1.5524% | 1,003 |
| Return on assets (ROA) | 1.5524% | 1,031 |
| Pretax return on assets | 1.5524% | 1,607 |
| Return on Equity (ROE) | 10.7892% | 2,033 |
| Retained earnings to average equity (ytd only) | -29.5704% | 5,300 |
| Net charge-offs to loans | -0.0377% | 4,740 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2128% | 2,304 |
| Assets per employee ($millions) | 2.7738% | 5,086 |
| Cash dividends to net income (ytd only)* | 374.0741% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6905% | 195 |
| Loan loss allowance to noncurrent loans | 14,050.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,795 |
| Noncurrent loans to loans | 0.0191% | 4,696 |
| Net loans and leases to total assets | 73.2785% | 1,936 |
| Net loans and leases to deposits | 91.3118% | 1,480 |
| Net loans and leases to core deposits | 91.3118% | 2,367 |
| Total domestic deposits to total assets | 80.2509% | 4,126 |
| Equity capital to assets | 13.9015% | 1,077 |
| Core capital (leverage) ratio | 14.0597% | 931 |
| Tier 1 risk-based capital ratio | 18.5385% | 1,650 |
| Total risk-based capital ratio | 19.8077% | 1,604 |
| Memoranda: | ||
| Average total assets | $13,914,000 | 5,339 |
| Average earning assets | $13,259,500 | 5,328 |
| Average equity | $2,002,000 | 5,311 |
| Average total loans | $10,604,000 | 5,235 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2713% | 612 |
| Cost of funding earning assets | 0.3110% | 4,516 |
| Net interest margin | 4.9603% | 289 |
| Noninterest income to average assets | 0.9141% | 1,145 |
| Noninterest expense to average assets | 3.6930% | 780 |
| Loan and lease loss provision to assets | 0.0439% | 3,304 |
| Net operating income to assets | 1.8428% | 507 |
| Return on assets (ROA) | 1.8428% | 504 |
| Pretax return on assets | 1.8428% | 827 |
| Return on Equity (ROE) | 12.7376% | 1,449 |
| Retained earnings to average equity (ytd only) | 3.4371% | 3,698 |
| Net charge-offs to loans | -0.0548% | 5,001 |
| Credit loss provision to net charge-offs | -100.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1861% | 2,843 |
| Assets per employee ($millions) | 2.7918% | 5,095 |
| Cash dividends to net income (ytd only)* | 73.0159% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5827% | 210 |
| Loan loss allowance to noncurrent loans | 3,971.4286% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,595 |
| Noncurrent loans to loans | 0.0650% | 4,462 |
| Net loans and leases to total assets | 75.1200% | 1,754 |
| Net loans and leases to deposits | 94.9217% | 1,177 |
| Net loans and leases to core deposits | 94.9217% | 2,148 |
| Total domestic deposits to total assets | 79.1389% | 4,285 |
| Equity capital to assets | 14.8721% | 735 |
| Core capital (leverage) ratio | 15.0566% | 684 |
| Tier 1 risk-based capital ratio | 19.5131% | 1,399 |
| Total risk-based capital ratio | 20.7820% | 1,366 |
| Memoranda: | ||
| Average total assets | $13,674,600 | 5,386 |
| Average earning assets | $12,862,200 | 5,372 |
| Average equity | $1,978,400 | 5,357 |
| Average total loans | $10,942,400 | 5,269 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2741% | 545 |
| Cost of funding earning assets | 0.3035% | 4,491 |
| Net interest margin | 4.9706% | 275 |
| Noninterest income to average assets | 0.6959% | 1,877 |
| Noninterest expense to average assets | 3.5970% | 858 |
| Loan and lease loss provision to assets | 0.0392% | 3,220 |
| Net operating income to assets | 1.7152% | 717 |
| Return on assets (ROA) | 1.7152% | 721 |
| Pretax return on assets | 1.7152% | 1,237 |
| Return on Equity (ROE) | 11.9411% | 1,805 |
| Retained earnings to average equity (ytd only) | -0.6141% | 5,105 |
| Net charge-offs to loans | -0.0849% | 5,115 |
| Credit loss provision to net charge-offs | -57.1429% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2161% | 2,678 |
| Assets per employee ($millions) | 2.7700% | 5,175 |
| Cash dividends to net income (ytd only)* | 105.1429% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4816% | 252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.5921% | 1,234 |
| Net loans and leases to deposits | 100.7124% | 726 |
| Net loans and leases to core deposits | 100.7124% | 1,723 |
| Total domestic deposits to total assets | 78.0361% | 4,478 |
| Equity capital to assets | 14.4332% | 844 |
| Core capital (leverage) ratio | 14.9603% | 714 |
| Tier 1 risk-based capital ratio | 18.3546% | 1,705 |
| Total risk-based capital ratio | 19.6217% | 1,655 |
| Memoranda: | ||
| Average total assets | $13,603,500 | 5,457 |
| Average earning assets | $12,741,250 | 5,444 |
| Average equity | $1,954,000 | 5,429 |
| Average total loans | $10,987,000 | 5,331 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 518 |
| Cost of funding earning assets | 0.2991% | 4,421 |
| Net interest margin | 4.9429% | 270 |
| Noninterest income to average assets | 0.7100% | 1,834 |
| Noninterest expense to average assets | 3.6683% | 798 |
| Loan and lease loss provision to assets | 0.0444% | 3,012 |
| Net operating income to assets | 1.6419% | 819 |
| Return on assets (ROA) | 1.6419% | 827 |
| Pretax return on assets | 1.6419% | 1,371 |
| Return on Equity (ROE) | 11.4492% | 1,929 |
| Retained earnings to average equity (ytd only) | -7.5297% | 5,371 |
| Net charge-offs to loans | -0.1281% | 5,234 |
| Credit loss provision to net charge-offs | -42.8571% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5083% | 2,557 |
| Assets per employee ($millions) | 2.6710% | 5,277 |
| Cash dividends to net income (ytd only)* | 165.7658% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5586% | 231 |
| 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 | 78.7046% | 1,204 |
| Net loans and leases to deposits | 99.4418% | 843 |
| Net loans and leases to core deposits | 99.4418% | 1,775 |
| Total domestic deposits to total assets | 79.1464% | 4,404 |
| Equity capital to assets | 14.4890% | 806 |
| Core capital (leverage) ratio | 14.0860% | 888 |
| Tier 1 risk-based capital ratio | 18.4479% | 1,686 |
| Total risk-based capital ratio | 19.7159% | 1,644 |
| Memoranda: | ||
| Average total assets | $13,521,330 | 5,521 |
| Average earning assets | $12,705,000 | 5,508 |
| Average equity | $1,939,000 | 5,492 |
| Average total loans | $10,928,670 | 5,392 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 566 |
| Cost of funding earning assets | 0.2808% | 4,499 |
| Net interest margin | 4.8364% | 320 |
| Noninterest income to average assets | 0.6762% | 1,928 |
| Noninterest expense to average assets | 3.7047% | 752 |
| Loan and lease loss provision to assets | 0.0588% | 2,597 |
| Net operating income to assets | 1.4701% | 1,149 |
| Return on assets (ROA) | 1.4701% | 1,148 |
| Pretax return on assets | 1.4701% | 1,764 |
| Return on Equity (ROE) | 10.3040% | 2,275 |
| Retained earnings to average equity (ytd only) | -27.6146% | 5,545 |
| Net charge-offs to loans | -0.0364% | 4,829 |
| Credit loss provision to net charge-offs | -200.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7865% | 2,377 |
| Assets per employee ($millions) | 2.7268% | 5,322 |
| Cash dividends to net income (ytd only)* | 368.0000% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4003% | 283 |
| Loan loss allowance to noncurrent loans | 489.0909% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 3,218 |
| Noncurrent loans to loans | 0.4908% | 3,048 |
| Net loans and leases to total assets | 80.2259% | 905 |
| Net loans and leases to deposits | 101.9195% | 582 |
| Net loans and leases to core deposits | 101.9195% | 1,537 |
| Total domestic deposits to total assets | 78.7150% | 4,622 |
| Equity capital to assets | 13.7450% | 966 |
| Core capital (leverage) ratio | 13.7896% | 922 |
| Tier 1 risk-based capital ratio | 17.1738% | 2,066 |
| Total risk-based capital ratio | 18.4384% | 2,018 |
| Memoranda: | ||
| Average total assets | $13,604,500 | 5,584 |
| Average earning assets | $12,819,500 | 5,571 |
| Average equity | $1,941,000 | 5,550 |
| Average total loans | $10,999,500 | 5,455 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 535 |
| Cost of funding earning assets | 0.3363% | 3,829 |
| Net interest margin | 4.7622% | 380 |
| Noninterest income to average assets | 0.8917% | 1,298 |
| Noninterest expense to average assets | 3.5810% | 920 |
| Loan and lease loss provision to assets | 0.0421% | 3,410 |
| Net operating income to assets | 1.6430% | 594 |
| Return on assets (ROA) | 1.6430% | 612 |
| Pretax return on assets | 1.6430% | 1,182 |
| Return on Equity (ROE) | 12.2129% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.0188% | 2,785 |
| Net charge-offs to loans | 0.0839% | 2,258 |
| Credit loss provision to net charge-offs | 66.6667% | 3,136 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,663 |
| Efficiency ratio | 68.0000% | 2,893 |
| Assets per employee ($millions) | 2.7150% | 5,373 |
| Cash dividends to net income (ytd only)* | 67.0940% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4648% | 255 |
| Loan loss allowance to noncurrent loans | 409.2308% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,965 |
| Noncurrent loans to loans | 0.6023% | 2,728 |
| Net loans and leases to total assets | 77.5396% | 1,345 |
| Net loans and leases to deposits | 99.0030% | 816 |
| Net loans and leases to core deposits | 99.0030% | 1,789 |
| Total domestic deposits to total assets | 78.3204% | 4,664 |
| Equity capital to assets | 14.7919% | 720 |
| Core capital (leverage) ratio | 14.4564% | 741 |
| Tier 1 risk-based capital ratio | 18.5189% | 1,647 |
| Total risk-based capital ratio | 19.7823% | 1,594 |
| Memoranda: | ||
| Average total assets | $14,242,000 | 5,646 |
| Average earning assets | $13,082,200 | 5,634 |
| Average equity | $1,916,000 | 5,616 |
| Average total loans | $10,728,000 | 5,524 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 541 |
| Cost of funding earning assets | 0.3442% | 3,729 |
| Net interest margin | 4.7181% | 392 |
| Noninterest income to average assets | 0.7495% | 1,785 |
| Noninterest expense to average assets | 3.4515% | 1,067 |
| Loan and lease loss provision to assets | 0.0370% | 3,372 |
| Net operating income to assets | 1.5731% | 765 |
| Return on assets (ROA) | 1.5731% | 781 |
| Pretax return on assets | 1.5731% | 1,504 |
| Return on Equity (ROE) | 11.9736% | 1,343 |
| Retained earnings to average equity (ytd only) | 0.9155% | 5,001 |
| Net charge-offs to loans | 0.0498% | 2,431 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 43.5253% | 1,225 |
| Efficiency ratio | 68.1901% | 2,845 |
| Assets per employee ($millions) | 2.7494% | 5,413 |
| Cash dividends to net income (ytd only)* | 92.3542% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4600% | 277 |
| Loan loss allowance to noncurrent loans | 5,380.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,052 |
| Noncurrent loans to loans | 0.0457% | 4,911 |
| Net loans and leases to total assets | 77.5878% | 1,331 |
| Net loans and leases to deposits | 103.0034% | 549 |
| Net loans and leases to core deposits | 103.0034% | 1,466 |
| Total domestic deposits to total assets | 75.3255% | 5,096 |
| Equity capital to assets | 14.1413% | 957 |
| Core capital (leverage) ratio | 14.0961% | 871 |
| Tier 1 risk-based capital ratio | 17.5880% | 1,981 |
| Total risk-based capital ratio | 18.8546% | 1,916 |
| Memoranda: | ||
| Average total assets | $14,408,750 | 5,711 |
| Average earning assets | $13,168,750 | 5,699 |
| Average equity | $1,893,000 | 5,682 |
| Average total loans | $10,712,000 | 5,585 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 695 |
| Cost of funding earning assets | 0.3166% | 3,913 |
| Net interest margin | 4.5830% | 491 |
| Noninterest income to average assets | 0.6972% | 2,002 |
| Noninterest expense to average assets | 3.4041% | 1,157 |
| Loan and lease loss provision to assets | 0.0410% | 3,184 |
| Net operating income to assets | 1.4081% | 1,050 |
| Return on assets (ROA) | 1.4081% | 1,076 |
| Pretax return on assets | 1.4081% | 1,991 |
| Return on Equity (ROE) | 10.9808% | 1,656 |
| Retained earnings to average equity (ytd only) | -5.7569% | 5,562 |
| Net charge-offs to loans | 0.0752% | 1,867 |
| Credit loss provision to net charge-offs | 75.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,571 |
| Efficiency ratio | 70.1408% | 2,652 |
| Assets per employee ($millions) | 2.8204% | 5,408 |
| Cash dividends to net income (ytd only)* | 152.4272% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4231% | 311 |
| 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 | 76.5282% | 1,461 |
| Net loans and leases to deposits | 105.0725% | 441 |
| Net loans and leases to core deposits | 105.0725% | 1,287 |
| Total domestic deposits to total assets | 72.8336% | 5,401 |
| Equity capital to assets | 13.3102% | 1,228 |
| Core capital (leverage) ratio | 13.4997% | 1,000 |
| Tier 1 risk-based capital ratio | 16.7874% | 2,205 |
| Total risk-based capital ratio | 18.0485% | 2,164 |
| Memoranda: | ||
| Average total assets | $14,629,330 | 5,757 |
| Average earning assets | $13,266,330 | 5,748 |
| Average equity | $1,876,000 | 5,731 |
| Average total loans | $10,637,670 | 5,631 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 887 |
| Cost of funding earning assets | 0.3013% | 4,032 |
| Net interest margin | 4.4290% | 608 |
| Noninterest income to average assets | 0.6177% | 2,337 |
| Noninterest expense to average assets | 3.3036% | 1,384 |
| Loan and lease loss provision to assets | 0.0269% | 3,224 |
| Net operating income to assets | 1.2355% | 1,416 |
| Return on assets (ROA) | 1.2355% | 1,452 |
| Pretax return on assets | 1.2355% | 2,458 |
| Return on Equity (ROE) | 9.8107% | 2,049 |
| Retained earnings to average equity (ytd only) | -23.6737% | 5,763 |
| Net charge-offs to loans | 0.3069% | 603 |
| Credit loss provision to net charge-offs | 12.5000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,250 |
| Efficiency ratio | 72.3529% | 2,511 |
| Assets per employee ($millions) | 2.8008% | 5,486 |
| Cash dividends to net income (ytd only)* | 341.3043% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4747% | 319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.7289% | 1,786 |
| Net loans and leases to deposits | 92.4351% | 1,279 |
| Net loans and leases to core deposits | 92.4351% | 2,124 |
| Total domestic deposits to total assets | 79.7629% | 4,667 |
| Equity capital to assets | 12.9963% | 1,259 |
| Core capital (leverage) ratio | 12.4846% | 1,346 |
| Tier 1 risk-based capital ratio | 16.8800% | 2,222 |
| Total risk-based capital ratio | 18.1413% | 2,179 |
| Memoranda: | ||
| Average total assets | $14,893,000 | 5,825 |
| Average earning assets | $13,276,000 | 5,815 |
| Average equity | $1,875,500 | 5,798 |
| Average total loans | $10,426,500 | 5,698 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9718% | 629 |
| Cost of funding earning assets | 0.3073% | 3,984 |
| Net interest margin | 4.6645% | 444 |
| Noninterest income to average assets | 0.8957% | 1,424 |
| Noninterest expense to average assets | 3.6047% | 1,012 |
| Loan and lease loss provision to assets | 0.0433% | 3,513 |
| Net operating income to assets | 1.5242% | 791 |
| Return on assets (ROA) | 1.5242% | 819 |
| Pretax return on assets | 1.5242% | 1,508 |
| Return on Equity (ROE) | 11.4811% | 1,411 |
| Retained earnings to average equity (ytd only) | 5.2236% | 2,185 |
| Net charge-offs to loans | -0.0095% | 4,932 |
| Credit loss provision to net charge-offs | -600.0000% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6927% | 2,959 |
| Assets per employee ($millions) | 3.9455% | 4,066 |
| Cash dividends to net income (ytd only)* | 54.5024% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6203% | 273 |
| Loan loss allowance to noncurrent loans | 6,725.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,286 |
| Noncurrent loans to loans | 0.0390% | 5,103 |
| Net loans and leases to total assets | 63.3443% | 3,435 |
| Net loans and leases to deposits | 78.0711% | 3,094 |
| Net loans and leases to core deposits | 78.0711% | 3,567 |
| Total domestic deposits to total assets | 81.1367% | 4,302 |
| Equity capital to assets | 12.2355% | 1,666 |
| Core capital (leverage) ratio | 13.5480% | 957 |
| Tier 1 risk-based capital ratio | 17.7156% | 1,940 |
| Total risk-based capital ratio | 18.9817% | 1,896 |
| Memoranda: | ||
| Average total assets | $13,843,200 | 5,885 |
| Average earning assets | $12,691,600 | 5,877 |
| Average equity | $1,837,800 | 5,860 |
| Average total loans | $10,506,400 | 5,756 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 535 |
| Cost of funding earning assets | 0.3103% | 3,972 |
| Net interest margin | 4.7510% | 396 |
| Noninterest income to average assets | 0.7885% | 1,811 |
| Noninterest expense to average assets | 3.7328% | 811 |
| Loan and lease loss provision to assets | 0.0499% | 3,246 |
| Net operating income to assets | 1.4373% | 992 |
| Return on assets (ROA) | 1.4373% | 1,042 |
| Pretax return on assets | 1.4373% | 1,924 |
| Return on Equity (ROE) | 10.5814% | 1,840 |
| Retained earnings to average equity (ytd only) | 2.1312% | 4,626 |
| Net charge-offs to loans | -0.0126% | 4,857 |
| Credit loss provision to net charge-offs | -500.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5105% | 2,650 |
| Assets per employee ($millions) | 3.3390% | 4,996 |
| Cash dividends to net income (ytd only)* | 79.8594% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4441% | 350 |
| Loan loss allowance to noncurrent loans | 8,933.3333% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 5,422 |
| Noncurrent loans to loans | 0.0274% | 5,272 |
| Net loans and leases to total assets | 80.0913% | 880 |
| Net loans and leases to deposits | 102.5698% | 534 |
| Net loans and leases to core deposits | 102.5698% | 1,439 |
| Total domestic deposits to total assets | 78.0848% | 4,897 |
| Equity capital to assets | 13.9563% | 1,053 |
| Core capital (leverage) ratio | 14.0605% | 829 |
| Tier 1 risk-based capital ratio | 16.8429% | 2,282 |
| Total risk-based capital ratio | 18.1079% | 2,232 |
| Memoranda: | ||
| Average total assets | $13,358,500 | 5,955 |
| Average earning assets | $12,460,250 | 5,943 |
| Average equity | $1,814,500 | 5,925 |
| Average total loans | $10,566,500 | 5,817 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 677 |
| Cost of funding earning assets | 0.3051% | 4,064 |
| Net interest margin | 4.6246% | 486 |
| Noninterest income to average assets | 0.7635% | 1,873 |
| Noninterest expense to average assets | 3.7726% | 799 |
| Loan and lease loss provision to assets | 0.0449% | 3,256 |
| Net operating income to assets | 1.2575% | 1,397 |
| Return on assets (ROA) | 1.2575% | 1,516 |
| Pretax return on assets | 1.2575% | 2,575 |
| Return on Equity (ROE) | 9.3437% | 2,338 |
| Retained earnings to average equity (ytd only) | -3.4483% | 5,669 |
| Net charge-offs to loans | -0.0192% | 4,929 |
| Credit loss provision to net charge-offs | -300.0000% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3363% | 2,314 |
| Assets per employee ($millions) | 2.6228% | 5,725 |
| Cash dividends to net income (ytd only)* | 136.9048% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4927% | 366 |
| 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 | 79.3427% | 1,010 |
| Net loans and leases to deposits | 101.6113% | 591 |
| Net loans and leases to core deposits | 101.6113% | 1,501 |
| Total domestic deposits to total assets | 78.0845% | 4,985 |
| Equity capital to assets | 13.7563% | 1,118 |
| Core capital (leverage) ratio | 13.5192% | 971 |
| Tier 1 risk-based capital ratio | 16.8158% | 2,298 |
| Total risk-based capital ratio | 18.0835% | 2,240 |
| Memoranda: | ||
| Average total assets | $13,359,330 | 6,033 |
| Average earning assets | $12,455,000 | 6,021 |
| Average equity | $1,798,000 | 6,002 |
| Average total loans | $10,433,670 | 5,893 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 997 |
| Cost of funding earning assets | 0.3171% | 3,983 |
| Net interest margin | 4.4073% | 729 |
| Noninterest income to average assets | 0.7417% | 1,850 |
| Noninterest expense to average assets | 3.7977% | 779 |
| Loan and lease loss provision to assets | 0.0297% | 3,264 |
| Net operating income to assets | 1.0384% | 2,127 |
| Return on assets (ROA) | 1.0384% | 2,250 |
| Pretax return on assets | 1.0384% | 3,329 |
| Return on Equity (ROE) | 7.7994% | 3,032 |
| Retained earnings to average equity (ytd only) | -17.8273% | 5,943 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0488% | 1,890 |
| Assets per employee ($millions) | 2.6444% | 5,764 |
| Cash dividends to net income (ytd only)* | 328.5714% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5986% | 351 |
| Loan loss allowance to noncurrent loans | 13,150.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 5,600 |
| Noncurrent loans to loans | 0.0198% | 5,425 |
| Net loans and leases to total assets | 74.5576% | 1,637 |
| Net loans and leases to deposits | 95.2924% | 1,009 |
| Net loans and leases to core deposits | 95.2924% | 1,862 |
| Total domestic deposits to total assets | 78.2408% | 5,104 |
| Equity capital to assets | 13.2733% | 1,278 |
| Core capital (leverage) ratio | 13.1628% | 1,097 |
| Tier 1 risk-based capital ratio | 17.1638% | 2,226 |
| Total risk-based capital ratio | 18.4254% | 2,189 |
| Memoranda: | ||
| Average total assets | $13,482,000 | 6,094 |
| Average earning assets | $12,615,500 | 6,079 |
| Average equity | $1,795,000 | 6,063 |
| Average total loans | $10,315,000 | 5,956 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 660 |
| Cost of funding earning assets | 0.3345% | 3,853 |
| Net interest margin | 4.6418% | 503 |
| Noninterest income to average assets | 0.8631% | 1,557 |
| Noninterest expense to average assets | 3.9065% | 753 |
| Loan and lease loss provision to assets | 0.0454% | 3,418 |
| Net operating income to assets | 1.2189% | 1,486 |
| Return on assets (ROA) | 1.2189% | 1,553 |
| Pretax return on assets | 1.2189% | 2,595 |
| Return on Equity (ROE) | 9.0776% | 2,420 |
| Retained earnings to average equity (ytd only) | 2.1425% | 4,497 |
| Net charge-offs to loans | -0.3821% | 6,052 |
| Credit loss provision to net charge-offs | -15.0000% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5490% | 2,344 |
| Assets per employee ($millions) | 2.7484% | 5,740 |
| Cash dividends to net income (ytd only)* | 76.3975% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4931% | 398 |
| 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 | 74.5670% | 1,635 |
| Net loans and leases to deposits | 95.2766% | 1,090 |
| Net loans and leases to core deposits | 95.2766% | 1,915 |
| Total domestic deposits to total assets | 78.2637% | 5,109 |
| Equity capital to assets | 13.3532% | 1,184 |
| Core capital (leverage) ratio | 13.7104% | 905 |
| Tier 1 risk-based capital ratio | 16.9955% | 2,284 |
| Total risk-based capital ratio | 18.2643% | 2,226 |
| Memoranda: | ||
| Average total assets | $13,208,600 | 6,157 |
| Average earning assets | $12,258,200 | 6,143 |
| Average equity | $1,773,600 | 6,122 |
| Average total loans | $10,468,800 | 6,005 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 599 |
| Cost of funding earning assets | 0.3409% | 3,847 |
| Net interest margin | 4.6738% | 473 |
| Noninterest income to average assets | 0.7648% | 1,960 |
| Noninterest expense to average assets | 3.8953% | 749 |
| Loan and lease loss provision to assets | 0.0510% | 3,186 |
| Net operating income to assets | 1.1523% | 1,821 |
| Return on assets (ROA) | 1.1523% | 1,887 |
| Pretax return on assets | 1.1523% | 3,006 |
| Return on Equity (ROE) | 8.5687% | 2,787 |
| Retained earnings to average equity (ytd only) | -0.7581% | 5,730 |
| Net charge-offs to loans | -0.5099% | 6,157 |
| Credit loss provision to net charge-offs | -12.5000% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4000% | 2,182 |
| Assets per employee ($millions) | 2.5306% | 5,946 |
| Cash dividends to net income (ytd only)* | 108.8544% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4390% | 478 |
| 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 | 82.5101% | 527 |
| Net loans and leases to deposits | 107.6289% | 314 |
| Net loans and leases to core deposits | 107.6289% | 998 |
| Total domestic deposits to total assets | 76.6617% | 5,396 |
| Equity capital to assets | 14.1231% | 977 |
| Core capital (leverage) ratio | 14.3430% | 772 |
| Tier 1 risk-based capital ratio | 16.6465% | 2,502 |
| Total risk-based capital ratio | 17.9134% | 2,456 |
| Memoranda: | ||
| Average total assets | $13,075,250 | 6,243 |
| Average earning assets | $12,124,000 | 6,230 |
| Average equity | $1,758,250 | 6,209 |
| Average total loans | $10,458,750 | 6,085 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 748 |
| Cost of funding earning assets | 0.3423% | 3,897 |
| Net interest margin | 4.5479% | 575 |
| Noninterest income to average assets | 0.7415% | 2,038 |
| Noninterest expense to average assets | 3.9044% | 759 |
| Loan and lease loss provision to assets | 0.0454% | 3,205 |
| Net operating income to assets | 1.0139% | 2,319 |
| Return on assets (ROA) | 1.0139% | 2,430 |
| Pretax return on assets | 1.0139% | 3,528 |
| Return on Equity (ROE) | 7.6630% | 3,227 |
| Retained earnings to average equity (ytd only) | -6.4049% | 6,068 |
| Net charge-offs to loans | -0.7709% | 6,247 |
| Credit loss provision to net charge-offs | -7.5000% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6585% | 1,966 |
| Assets per employee ($millions) | 2.5004% | 6,029 |
| Cash dividends to net income (ytd only)* | 183.5821% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 520 |
| 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 | 82.7948% | 496 |
| Net loans and leases to deposits | 107.9579% | 306 |
| Net loans and leases to core deposits | 107.9579% | 955 |
| Total domestic deposits to total assets | 76.6917% | 5,502 |
| Equity capital to assets | 13.9258% | 1,003 |
| Core capital (leverage) ratio | 13.4586% | 998 |
| Tier 1 risk-based capital ratio | 16.2604% | 2,731 |
| Total risk-based capital ratio | 17.5212% | 2,683 |
| Memoranda: | ||
| Average total assets | $13,216,000 | 6,320 |
| Average earning assets | $12,269,330 | 6,303 |
| Average equity | $1,748,670 | 6,285 |
| Average total loans | $10,378,000 | 6,157 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 1,067 |
| Cost of funding earning assets | 0.3457% | 3,918 |
| Net interest margin | 4.3364% | 816 |
| Noninterest income to average assets | 0.7073% | 2,134 |
| Noninterest expense to average assets | 3.7133% | 993 |
| Loan and lease loss provision to assets | 0.0589% | 2,751 |
| Net operating income to assets | 1.0020% | 2,261 |
| Return on assets (ROA) | 1.0020% | 2,396 |
| Pretax return on assets | 1.0020% | 3,495 |
| Return on Equity (ROE) | 7.7603% | 3,092 |
| Retained earnings to average equity (ytd only) | -20.3138% | 6,275 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,216 |
| Assets per employee ($millions) | 2.7082% | 5,957 |
| Cash dividends to net income (ytd only)* | 361.7647% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 74.2486% | 1,460 |
| Net loans and leases to deposits | 94.7865% | 913 |
| Net loans and leases to core deposits | 94.7865% | 1,710 |
| Total domestic deposits to total assets | 78.3325% | 5,385 |
| Equity capital to assets | 12.6135% | 1,621 |
| Core capital (leverage) ratio | 12.7950% | 1,238 |
| Tier 1 risk-based capital ratio | 15.9432% | 2,947 |
| Total risk-based capital ratio | 17.2034% | 2,885 |
| Memoranda: | ||
| Average total assets | $13,573,000 | 6,389 |
| Average earning assets | $12,729,500 | 6,371 |
| Average equity | $1,752,500 | 6,351 |
| Average total loans | $10,262,000 | 6,225 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 743 |
| Cost of funding earning assets | 0.3550% | 4,200 |
| Net interest margin | 4.6630% | 556 |
| Noninterest income to average assets | 0.8790% | 1,573 |
| Noninterest expense to average assets | 3.8466% | 920 |
| Loan and lease loss provision to assets | 0.0451% | 3,677 |
| Net operating income to assets | 1.3298% | 1,233 |
| Return on assets (ROA) | 1.3298% | 1,286 |
| Pretax return on assets | 1.3298% | 2,142 |
| Return on Equity (ROE) | 10.1607% | 2,044 |
| Retained earnings to average equity (ytd only) | 3.6739% | 3,610 |
| Net charge-offs to loans | 0.0845% | 3,287 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,730 |
| Efficiency ratio | 73.6691% | 2,886 |
| Assets per employee ($millions) | 2.7210% | 6,006 |
| Cash dividends to net income (ytd only)* | 63.8418% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.7670% | 1,627 |
| Net loans and leases to deposits | 95.1099% | 980 |
| Net loans and leases to core deposits | 95.1099% | 1,801 |
| Total domestic deposits to total assets | 77.5597% | 5,513 |
| Equity capital to assets | 13.2084% | 1,273 |
| Core capital (leverage) ratio | 13.3646% | 1,012 |
| Tier 1 risk-based capital ratio | 17.1159% | 2,469 |
| Total risk-based capital ratio | 18.3732% | 2,426 |
| Memoranda: | ||
| Average total assets | $13,310,400 | 6,476 |
| Average earning assets | $12,395,400 | 6,459 |
| Average equity | $1,742,000 | 6,435 |
| Average total loans | $10,645,400 | 6,299 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 679 |
| Cost of funding earning assets | 0.3678% | 4,146 |
| Net interest margin | 4.7064% | 501 |
| Noninterest income to average assets | 0.7151% | 2,256 |
| Noninterest expense to average assets | 3.7873% | 987 |
| Loan and lease loss provision to assets | 0.0504% | 3,365 |
| Net operating income to assets | 1.2591% | 1,501 |
| Return on assets (ROA) | 1.2591% | 1,555 |
| Pretax return on assets | 1.2591% | 2,538 |
| Return on Equity (ROE) | 9.6433% | 2,383 |
| Retained earnings to average equity (ytd only) | 0.9258% | 5,511 |
| Net charge-offs to loans | 0.1117% | 2,680 |
| Credit loss provision to net charge-offs | 55.5556% | 3,018 |
| Earnings coverage of net charge-offs (x) | 14.4442% | 2,142 |
| Efficiency ratio | 74.3083% | 2,772 |
| Assets per employee ($millions) | 2.5438% | 6,198 |
| Cash dividends to net income (ytd only)* | 90.3996% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 1,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 81.2092% | 585 |
| Net loans and leases to deposits | 106.4406% | 311 |
| Net loans and leases to core deposits | 106.4406% | 930 |
| Total domestic deposits to total assets | 76.2953% | 5,776 |
| Equity capital to assets | 13.7196% | 1,102 |
| Core capital (leverage) ratio | 13.5083% | 993 |
| Tier 1 risk-based capital ratio | 16.3008% | 2,903 |
| Total risk-based capital ratio | 17.5619% | 2,850 |
| Memoranda: | ||
| Average total assets | $13,236,750 | 6,557 |
| Average earning assets | $12,323,500 | 6,539 |
| Average equity | $1,728,250 | 6,512 |
| Average total loans | $10,743,750 | 6,368 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 925 |
| Cost of funding earning assets | 0.3664% | 4,247 |
| Net interest margin | 4.5239% | 675 |
| Noninterest income to average assets | 0.7010% | 2,273 |
| Noninterest expense to average assets | 3.7287% | 1,081 |
| Loan and lease loss provision to assets | 0.0447% | 3,426 |
| Net operating income to assets | 1.1634% | 1,710 |
| Return on assets (ROA) | 1.1634% | 1,779 |
| Pretax return on assets | 1.1634% | 2,822 |
| Return on Equity (ROE) | 9.0557% | 2,564 |
| Retained earnings to average equity (ytd only) | -4.0635% | 6,179 |
| Net charge-offs to loans | 0.1665% | 2,057 |
| Credit loss provision to net charge-offs | 33.3333% | 3,009 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,411 |
| Efficiency ratio | 75.5287% | 2,717 |
| Assets per employee ($millions) | 2.6274% | 6,180 |
| Cash dividends to net income (ytd only)* | 144.8718% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 1,505 |
| Loan loss allowance to noncurrent loans | 21,300.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,235 |
| Noncurrent loans to loans | 0.0091% | 6,067 |
| Net loans and leases to total assets | 82.2867% | 444 |
| Net loans and leases to deposits | 106.3662% | 291 |
| Net loans and leases to core deposits | 106.3662% | 877 |
| Total domestic deposits to total assets | 77.3617% | 5,744 |
| Equity capital to assets | 12.9253% | 1,410 |
| Core capital (leverage) ratio | 12.7823% | 1,247 |
| Tier 1 risk-based capital ratio | 15.7733% | 3,212 |
| Total risk-based capital ratio | 17.0367% | 3,139 |
| Memoranda: | ||
| Average total assets | $13,409,330 | 6,621 |
| Average earning assets | $12,555,670 | 6,603 |
| Average equity | $1,722,670 | 6,576 |
| Average total loans | $10,810,330 | 6,423 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 896 |
| Cost of funding earning assets | 0.3443% | 4,595 |
| Net interest margin | 4.5385% | 613 |
| Noninterest income to average assets | 0.6792% | 2,290 |
| Noninterest expense to average assets | 3.6913% | 1,147 |
| Loan and lease loss provision to assets | 0.0295% | 3,436 |
| Net operating income to assets | 1.2403% | 1,371 |
| Return on assets (ROA) | 1.2403% | 1,429 |
| Pretax return on assets | 1.2403% | 2,317 |
| Return on Equity (ROE) | 9.6830% | 2,165 |
| Retained earnings to average equity (ytd only) | 0.9222% | 5,228 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4048% | 3,067 |
| Assets per employee ($millions) | 2.6940% | 6,208 |
| Cash dividends to net income (ytd only)* | 90.4762% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 1,258 |
| Loan loss allowance to noncurrent loans | 2,444.4444% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 6,072 |
| Noncurrent loans to loans | 0.0874% | 5,870 |
| Net loans and leases to total assets | 74.8404% | 1,142 |
| Net loans and leases to deposits | 96.8954% | 602 |
| Net loans and leases to core deposits | 96.8954% | 1,316 |
| Total domestic deposits to total assets | 77.2383% | 5,937 |
| Equity capital to assets | 12.8953% | 1,355 |
| Core capital (leverage) ratio | 13.2595% | 1,061 |
| Tier 1 risk-based capital ratio | 17.3388% | 2,540 |
| Total risk-based capital ratio | 18.5965% | 2,502 |
| Memoranda: | ||
| Average total assets | $13,545,500 | 6,692 |
| Average earning assets | $12,779,500 | 6,675 |
| Average equity | $1,735,000 | 6,638 |
| Average total loans | $10,704,000 | 6,496 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9467% | 1,007 |
| Cost of funding earning assets | 0.2930% | 5,653 |
| Net interest margin | 4.6536% | 550 |
| Noninterest income to average assets | 0.9466% | 1,533 |
| Noninterest expense to average assets | 3.9427% | 932 |
| Loan and lease loss provision to assets | 0.0235% | 4,659 |
| Net operating income to assets | 1.2047% | 1,546 |
| Return on assets (ROA) | 1.2047% | 1,621 |
| Pretax return on assets | 1.2047% | 2,561 |
| Return on Equity (ROE) | 9.1492% | 2,470 |
| Retained earnings to average equity (ytd only) | -1.0100% | 6,065 |
| Net charge-offs to loans | 0.0406% | 4,659 |
| Credit loss provision to net charge-offs | 75.0000% | 3,172 |
| Earnings coverage of net charge-offs (x) | 39.2500% | 967 |
| Efficiency ratio | 76.2481% | 2,735 |
| Assets per employee ($millions) | 2.7242% | 6,194 |
| Cash dividends to net income (ytd only)* | 111.0390% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 1,619 |
| Loan loss allowance to noncurrent loans | 2,737.5000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 6,185 |
| Noncurrent loans to loans | 0.0720% | 6,003 |
| Net loans and leases to total assets | 79.9354% | 601 |
| Net loans and leases to deposits | 107.0389% | 233 |
| Net loans and leases to core deposits | 107.0389% | 742 |
| Total domestic deposits to total assets | 74.6788% | 6,231 |
| Equity capital to assets | 12.7230% | 1,412 |
| Core capital (leverage) ratio | 12.7558% | 1,232 |
| Tier 1 risk-based capital ratio | 16.6907% | 2,765 |
| Total risk-based capital ratio | 17.9524% | 2,711 |
| Memoranda: | ||
| Average total assets | $12,783,000 | 6,776 |
| Average earning assets | $11,603,800 | 6,764 |
| Average equity | $1,683,200 | 6,734 |
| Average total loans | $9,847,600 | 6,599 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 1,117 |
| Cost of funding earning assets | 0.2481% | 6,104 |
| Net interest margin | 4.6553% | 557 |
| Noninterest income to average assets | 0.7741% | 2,266 |
| Noninterest expense to average assets | 3.8599% | 1,014 |
| Loan and lease loss provision to assets | 0.0212% | 4,576 |
| Net operating income to assets | 1.0710% | 2,113 |
| Return on assets (ROA) | 1.0710% | 2,197 |
| Pretax return on assets | 1.0710% | 3,222 |
| Return on Equity (ROE) | 8.0599% | 3,092 |
| Retained earnings to average equity (ytd only) | -5.5861% | 6,517 |
| Net charge-offs to loans | 0.0420% | 4,311 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 34.3325% | 1,117 |
| Efficiency ratio | 77.9443% | 2,430 |
| Assets per employee ($millions) | 2.7608% | 6,204 |
| Cash dividends to net income (ytd only)* | 169.3079% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 1,784 |
| Loan loss allowance to noncurrent loans | 21,900.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 6,490 |
| Noncurrent loans to loans | 0.0090% | 6,351 |
| Net loans and leases to total assets | 78.7598% | 676 |
| Net loans and leases to deposits | 103.1010% | 328 |
| Net loans and leases to core deposits | 103.1010% | 927 |
| Total domestic deposits to total assets | 76.3909% | 6,128 |
| Equity capital to assets | 12.1704% | 1,805 |
| Core capital (leverage) ratio | 13.9396% | 883 |
| Tier 1 risk-based capital ratio | 16.1461% | 3,104 |
| Total risk-based capital ratio | 17.4051% | 3,061 |
| Memoranda: | ||
| Average total assets | $12,573,500 | 6,858 |
| Average earning assets | $11,284,250 | 6,844 |
| Average equity | $1,670,750 | 6,813 |
| Average total loans | $9,532,750 | 6,682 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 1,078 |
| Cost of funding earning assets | 0.2014% | 6,466 |
| Net interest margin | 4.7057% | 503 |
| Noninterest income to average assets | 0.7564% | 2,385 |
| Noninterest expense to average assets | 3.9463% | 923 |
| Loan and lease loss provision to assets | 0.0164% | 4,566 |
| Net operating income to assets | 1.0195% | 2,245 |
| Return on assets (ROA) | 1.0195% | 2,369 |
| Pretax return on assets | 1.0195% | 3,419 |
| Return on Equity (ROE) | 7.4355% | 3,376 |
| Retained earnings to average equity (ytd only) | -13.0721% | 6,733 |
| Net charge-offs to loans | 0.0666% | 3,757 |
| Credit loss provision to net charge-offs | 33.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,432 |
| Efficiency ratio | 79.2079% | 2,272 |
| Assets per employee ($millions) | 2.3820% | 6,592 |
| Cash dividends to net income (ytd only)* | 275.8065% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3691% | 1,137 |
| Loan loss allowance to noncurrent loans | 220.2020% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 4,159 |
| Noncurrent loans to loans | 1.0759% | 3,774 |
| Net loans and leases to total assets | 75.4324% | 1,050 |
| Net loans and leases to deposits | 89.8400% | 1,165 |
| Net loans and leases to core deposits | 89.8400% | 1,921 |
| Total domestic deposits to total assets | 83.9631% | 4,331 |
| Equity capital to assets | 13.7783% | 1,026 |
| Core capital (leverage) ratio | 13.4873% | 982 |
| Tier 1 risk-based capital ratio | 19.5613% | 1,837 |
| Total risk-based capital ratio | 20.8249% | 1,809 |
| Memoranda: | ||
| Average total assets | $12,163,330 | 6,910 |
| Average earning assets | $10,923,000 | 6,898 |
| Average equity | $1,667,670 | 6,863 |
| Average total loans | $9,013,330 | 6,742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 1,031 |
| Cost of funding earning assets | 0.2203% | 6,474 |
| Net interest margin | 4.6992% | 469 |
| Noninterest income to average assets | 0.7486% | 2,344 |
| Noninterest expense to average assets | 3.8080% | 1,100 |
| Loan and lease loss provision to assets | 0.0325% | 4,036 |
| Net operating income to assets | 1.0740% | 1,955 |
| Return on assets (ROA) | 1.0740% | 2,064 |
| Pretax return on assets | 1.0740% | 3,051 |
| Return on Equity (ROE) | 7.8525% | 3,047 |
| Retained earnings to average equity (ytd only) | -32.8376% | 6,909 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4834% | 2,695 |
| Assets per employee ($millions) | 2.5156% | 6,570 |
| Cash dividends to net income (ytd only)* | 518.1818% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6335% | 980 |
| Loan loss allowance to noncurrent loans | 223.2323% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 4,409 |
| Noncurrent loans to loans | 1.1797% | 3,802 |
| Net loans and leases to total assets | 64.9626% | 2,545 |
| Net loans and leases to deposits | 76.3716% | 2,575 |
| Net loans and leases to core deposits | 76.3716% | 3,265 |
| Total domestic deposits to total assets | 85.0612% | 4,011 |
| Equity capital to assets | 12.8160% | 1,521 |
| Core capital (leverage) ratio | 13.4805% | 953 |
| Tier 1 risk-based capital ratio | 19.3634% | 1,947 |
| Total risk-based capital ratio | 20.6366% | 1,913 |
| Memoranda: | ||
| Average total assets | $12,290,000 | 6,986 |
| Average earning assets | $10,895,500 | 6,974 |
| Average equity | $1,681,000 | 6,930 |
| Average total loans | $8,919,000 | 6,814 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7234% | 419 |
| Cost of funding earning assets | 0.2811% | 6,549 |
| Net interest margin | 5.4422% | 186 |
| Noninterest income to average assets | 1.0261% | 1,461 |
| Noninterest expense to average assets | 3.9077% | 1,092 |
| Loan and lease loss provision to assets | -1.0432% | 7,070 |
| Net operating income to assets | 2.7961% | 109 |
| Return on assets (ROA) | 2.7961% | 117 |
| Pretax return on assets | 2.7961% | 174 |
| Return on Equity (ROE) | 20.0490% | 302 |
| Retained earnings to average equity (ytd only) | 15.6346% | 135 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0332% | 3,970 |
| Assets per employee ($millions) | 2.4004% | 6,708 |
| Cash dividends to net income (ytd only)* | 22.0183% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 1,326 |
| Loan loss allowance to noncurrent loans | 229.1667% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 4,470 |
| Noncurrent loans to loans | 1.0163% | 4,168 |
| Net loans and leases to total assets | 76.8705% | 803 |
| Net loans and leases to deposits | 90.1505% | 1,060 |
| Net loans and leases to core deposits | 90.1505% | 1,820 |
| Total domestic deposits to total assets | 85.2691% | 3,728 |
| Equity capital to assets | 14.5809% | 846 |
| Core capital (leverage) ratio | 14.3349% | 712 |
| Tier 1 risk-based capital ratio | 20.5182% | 1,557 |
| Total risk-based capital ratio | 21.7845% | 1,528 |
| Memoranda: | ||
| Average total assets | $11,694,800 | 7,054 |
| Average earning assets | $9,959,200 | 7,046 |
| Average equity | $1,631,000 | 7,010 |
| Average total loans | $8,996,200 | 6,883 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6383% | 524 |
| Cost of funding earning assets | 0.2946% | 6,640 |
| Net interest margin | 5.3437% | 223 |
| Noninterest income to average assets | 0.8836% | 1,894 |
| Noninterest expense to average assets | 3.7642% | 1,272 |
| Loan and lease loss provision to assets | -1.4116% | 7,174 |
| Net operating income to assets | 3.1100% | 99 |
| Return on assets (ROA) | 3.1100% | 105 |
| Pretax return on assets | 3.1100% | 142 |
| Return on Equity (ROE) | 22.5649% | 211 |
| Retained earnings to average equity (ytd only) | 16.5702% | 168 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9076% | 3,892 |
| Assets per employee ($millions) | 2.3024% | 6,858 |
| Cash dividends to net income (ytd only)* | 26.5692% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 1,527 |
| Loan loss allowance to noncurrent loans | 228.1250% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 4,621 |
| Noncurrent loans to loans | 1.0062% | 4,444 |
| Net loans and leases to total assets | 80.9764% | 432 |
| Net loans and leases to deposits | 95.1322% | 717 |
| Net loans and leases to core deposits | 95.1322% | 1,476 |
| Total domestic deposits to total assets | 85.1199% | 3,698 |
| Equity capital to assets | 14.7151% | 901 |
| Core capital (leverage) ratio | 15.1956% | 576 |
| Tier 1 risk-based capital ratio | 19.3335% | 1,916 |
| Total risk-based capital ratio | 20.6003% | 1,881 |
| Memoranda: | ||
| Average total assets | $11,618,000 | 7,150 |
| Average earning assets | $9,955,500 | 7,140 |
| Average equity | $1,601,250 | 7,109 |
| Average total loans | $8,883,750 | 6,981 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 703 |
| Cost of funding earning assets | 0.3254% | 6,621 |
| Net interest margin | 5.1859% | 299 |
| Noninterest income to average assets | 0.8581% | 1,941 |
| Noninterest expense to average assets | 3.7757% | 1,255 |
| Loan and lease loss provision to assets | -2.1110% | 7,240 |
| Net operating income to assets | 3.5698% | 73 |
| Return on assets (ROA) | 3.5698% | 73 |
| Pretax return on assets | 3.5698% | 102 |
| Return on Equity (ROE) | 26.4912% | 123 |
| Retained earnings to average equity (ytd only) | 17.3212% | 171 |
| Net charge-offs to loans | 0.0231% | 5,077 |
| Credit loss provision to net charge-offs | -12,300.0000% | 6,608 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 484 |
| Efficiency ratio | 72.1311% | 3,413 |
| Assets per employee ($millions) | 2.2156% | 6,962 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3547% | 1,493 |
| Loan loss allowance to noncurrent loans | 222.4490% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 4,603 |
| Noncurrent loans to loans | 1.0585% | 4,395 |
| Net loans and leases to total assets | 81.6032% | 363 |
| Net loans and leases to deposits | 96.3342% | 609 |
| Net loans and leases to core deposits | 96.3342% | 1,405 |
| Total domestic deposits to total assets | 84.7084% | 3,999 |
| Equity capital to assets | 14.7229% | 855 |
| Core capital (leverage) ratio | 14.2695% | 743 |
| Tier 1 risk-based capital ratio | 19.8250% | 1,747 |
| Total risk-based capital ratio | 21.0891% | 1,714 |
| Memoranda: | ||
| Average total assets | $11,653,330 | 7,211 |
| Average earning assets | $9,834,330 | 7,206 |
| Average equity | $1,570,330 | 7,168 |
| Average total loans | $8,664,670 | 7,049 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4942% | 764 |
| Cost of funding earning assets | 0.3718% | 6,544 |
| Net interest margin | 5.1224% | 331 |
| Noninterest income to average assets | 0.8040% | 2,147 |
| Noninterest expense to average assets | 3.6848% | 1,405 |
| Loan and lease loss provision to assets | -4.1538% | 7,306 |
| Net operating income to assets | 5.4267% | 41 |
| Return on assets (ROA) | 5.4267% | 45 |
| Pretax return on assets | 5.4267% | 55 |
| Return on Equity (ROE) | 42.0779% | 44 |
| Retained earnings to average equity (ytd only) | 23.3766% | 114 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3243% | 3,044 |
| Assets per employee ($millions) | 2.4114% | 6,913 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7145% | 1,098 |
| Loan loss allowance to noncurrent loans | 224.7423% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 4,932 |
| Noncurrent loans to loans | 1.2078% | 4,316 |
| Net loans and leases to total assets | 64.8005% | 2,690 |
| Net loans and leases to deposits | 74.7226% | 3,008 |
| Net loans and leases to core deposits | 80.4966% | 3,009 |
| Total domestic deposits to total assets | 86.7214% | 3,106 |
| Equity capital to assets | 13.1459% | 1,379 |
| Core capital (leverage) ratio | 13.6192% | 900 |
| Tier 1 risk-based capital ratio | 19.8472% | 1,743 |
| Total risk-based capital ratio | 21.1119% | 1,717 |
| Memoranda: | ||
| Average total assets | $11,941,000 | 7,272 |
| Average earning assets | $9,683,000 | 7,268 |
| Average equity | $1,540,000 | 7,229 |
| Average total loans | $8,368,000 | 7,123 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5053% | 1,164 |
| Cost of funding earning assets | 0.4441% | 6,750 |
| Net interest margin | 5.0611% | 359 |
| Noninterest income to average assets | 0.8605% | 1,801 |
| Noninterest expense to average assets | 3.9823% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3640% | 1,099 |
| Return on assets (ROA) | 1.3640% | 1,190 |
| Pretax return on assets | 1.3640% | 1,900 |
| Return on Equity (ROE) | 10.4386% | 1,895 |
| Retained earnings to average equity (ytd only) | 6.7255% | 1,628 |
| Net charge-offs to loans | -1.1470% | 7,307 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4863% | 3,143 |
| Assets per employee ($millions) | 2.3650% | 6,950 |
| Cash dividends to net income (ytd only)* | 35.5705% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9288% | 401 |
| Loan loss allowance to noncurrent loans | 352.5773% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 4,991 |
| Noncurrent loans to loans | 1.1143% | 4,489 |
| Net loans and leases to total assets | 70.7230% | 1,878 |
| Net loans and leases to deposits | 81.0840% | 2,341 |
| Net loans and leases to core deposits | 87.4425% | 2,443 |
| Total domestic deposits to total assets | 87.2220% | 2,630 |
| Equity capital to assets | 12.6427% | 1,709 |
| Core capital (leverage) ratio | 13.0773% | 1,112 |
| Tier 1 risk-based capital ratio | 18.6898% | 1,991 |
| Total risk-based capital ratio | 19.9775% | 1,940 |
| Memoranda: | ||
| Average total assets | $10,923,400 | 7,327 |
| Average earning assets | $9,681,600 | 7,316 |
| Average equity | $1,427,400 | 7,296 |
| Average total loans | $8,108,200 | 7,180 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 1,420 |
| Cost of funding earning assets | 0.4577% | 6,857 |
| Net interest margin | 4.9795% | 433 |
| Noninterest income to average assets | 0.7976% | 2,064 |
| Noninterest expense to average assets | 3.9633% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3087% | 1,355 |
| Return on assets (ROA) | 1.3087% | 1,444 |
| Pretax return on assets | 1.3087% | 2,262 |
| Return on Equity (ROE) | 9.9256% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.9153% | 3,231 |
| Net charge-offs to loans | -1.5580% | 7,388 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1773% | 2,977 |
| Assets per employee ($millions) | 2.1378% | 7,179 |
| Cash dividends to net income (ytd only)* | 50.4714% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9740% | 399 |
| Loan loss allowance to noncurrent loans | 335.2941% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 4,838 |
| Noncurrent loans to loans | 1.1852% | 4,561 |
| Net loans and leases to total assets | 77.3131% | 802 |
| Net loans and leases to deposits | 90.1200% | 1,201 |
| Net loans and leases to core deposits | 98.1473% | 1,413 |
| Total domestic deposits to total assets | 85.7891% | 3,333 |
| Equity capital to assets | 13.5747% | 1,339 |
| Core capital (leverage) ratio | 13.2961% | 1,110 |
| Tier 1 risk-based capital ratio | 18.9105% | 1,965 |
| Total risk-based capital ratio | 20.2007% | 1,926 |
| Memoranda: | ||
| Average total assets | $10,698,000 | 7,408 |
| Average earning assets | $9,612,500 | 7,394 |
| Average equity | $1,410,500 | 7,375 |
| Average total loans | $7,959,000 | 7,256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4219% | 1,498 |
| Cost of funding earning assets | 0.5063% | 6,827 |
| Net interest margin | 4.9156% | 469 |
| Noninterest income to average assets | 0.8224% | 1,922 |
| Noninterest expense to average assets | 3.9809% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1961% | 1,586 |
| Return on assets (ROA) | 1.1961% | 1,665 |
| Pretax return on assets | 1.1961% | 2,499 |
| Return on Equity (ROE) | 9.1625% | 2,448 |
| Retained earnings to average equity (ytd only) | 1.5748% | 5,196 |
| Net charge-offs to loans | -0.2841% | 7,340 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8953% | 2,876 |
| Assets per employee ($millions) | 2.1030% | 7,231 |
| Cash dividends to net income (ytd only)* | 82.8125% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3640% | 664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.0319% | 1,996 |
| Net loans and leases to deposits | 82.1672% | 2,426 |
| Net loans and leases to core deposits | 89.5564% | 2,431 |
| Total domestic deposits to total assets | 86.4479% | 3,074 |
| Equity capital to assets | 13.4094% | 1,336 |
| Core capital (leverage) ratio | 12.9966% | 1,163 |
| Tier 1 risk-based capital ratio | 18.1374% | 2,127 |
| Total risk-based capital ratio | 19.4109% | 2,076 |
| Memoranda: | ||
| Average total assets | $10,701,000 | 7,484 |
| Average earning assets | $9,480,000 | 7,471 |
| Average equity | $1,397,000 | 7,447 |
| Average total loans | $7,743,330 | 7,339 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4357% | 1,461 |
| Cost of funding earning assets | 0.5394% | 6,832 |
| Net interest margin | 4.8963% | 469 |
| Noninterest income to average assets | 0.8523% | 1,841 |
| Noninterest expense to average assets | 4.0022% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2229% | 1,468 |
| Return on assets (ROA) | 1.2229% | 1,526 |
| Pretax return on assets | 1.2229% | 2,300 |
| Return on Equity (ROE) | 9.4930% | 2,283 |
| Retained earnings to average equity (ytd only) | -5.7533% | 6,574 |
| Net charge-offs to loans | -0.4645% | 7,399 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5957% | 3,052 |
| Assets per employee ($millions) | 2.1980% | 7,257 |
| Cash dividends to net income (ytd only)* | 160.6061% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4245% | 650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.2056% | 2,954 |
| Net loans and leases to deposits | 75.8628% | 3,439 |
| Net loans and leases to core deposits | 82.2984% | 3,416 |
| Total domestic deposits to total assets | 87.2702% | 2,787 |
| Equity capital to assets | 12.5569% | 1,594 |
| Core capital (leverage) ratio | 12.8566% | 1,172 |
| Tier 1 risk-based capital ratio | 17.7272% | 2,209 |
| Total risk-based capital ratio | 18.9999% | 2,165 |
| Memoranda: | ||
| Average total assets | $10,794,000 | 7,539 |
| Average earning assets | $9,640,000 | 7,527 |
| Average equity | $1,390,500 | 7,503 |
| Average total loans | $7,750,500 | 7,396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7790% | 1,333 |
| Cost of funding earning assets | 0.7880% | 6,620 |
| Net interest margin | 4.9910% | 439 |
| Noninterest income to average assets | 0.9653% | 1,627 |
| Noninterest expense to average assets | 4.1316% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4190% | 908 |
| Return on assets (ROA) | 1.4190% | 978 |
| Pretax return on assets | 1.4190% | 1,600 |
| Return on Equity (ROE) | 11.0576% | 1,571 |
| Retained earnings to average equity (ytd only) | 9.1019% | 675 |
| Net charge-offs to loans | -0.2183% | 7,548 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4348% | 3,311 |
| Assets per employee ($millions) | 2.1196% | 7,355 |
| Cash dividends to net income (ytd only)* | 17.6871% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1254% | 783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.8251% | 1,921 |
| Net loans and leases to deposits | 84.2484% | 2,413 |
| Net loans and leases to core deposits | 91.7608% | 2,528 |
| Total domestic deposits to total assets | 86.4408% | 3,110 |
| Equity capital to assets | 13.2195% | 1,292 |
| Core capital (leverage) ratio | 12.9190% | 1,154 |
| Tier 1 risk-based capital ratio | 18.0237% | 1,989 |
| Total risk-based capital ratio | 19.2991% | 1,946 |
| Memoranda: | ||
| Average total assets | $10,359,200 | 7,622 |
| Average earning assets | $9,517,200 | 7,605 |
| Average equity | $1,329,400 | 7,602 |
| Average total loans | $7,786,800 | 7,474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8038% | 1,387 |
| Cost of funding earning assets | 0.8351% | 6,636 |
| Net interest margin | 4.9687% | 471 |
| Noninterest income to average assets | 0.8932% | 1,822 |
| Noninterest expense to average assets | 4.1295% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3074% | 1,320 |
| Return on assets (ROA) | 1.3074% | 1,391 |
| Pretax return on assets | 1.3074% | 2,149 |
| Return on Equity (ROE) | 10.2676% | 2,017 |
| Retained earnings to average equity (ytd only) | 7.6249% | 1,547 |
| Net charge-offs to loans | -0.2067% | 7,621 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9524% | 2,956 |
| Assets per employee ($millions) | 2.0714% | 7,489 |
| Cash dividends to net income (ytd only)* | 25.7463% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9716% | 843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 76.9238% | 1,234 |
| Net loans and leases to deposits | 90.9579% | 1,586 |
| Net loans and leases to core deposits | 99.4756% | 1,895 |
| Total domestic deposits to total assets | 84.5708% | 3,840 |
| Equity capital to assets | 13.1022% | 1,523 |
| Core capital (leverage) ratio | 13.1308% | 1,179 |
| Tier 1 risk-based capital ratio | 17.2028% | 2,277 |
| Total risk-based capital ratio | 18.4743% | 2,230 |
| Memoranda: | ||
| Average total assets | $10,299,500 | 7,722 |
| Average earning assets | $9,418,750 | 7,705 |
| Average equity | $1,311,500 | 7,703 |
| Average total loans | $7,741,750 | 7,573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7393% | 1,599 |
| Cost of funding earning assets | 0.8383% | 6,793 |
| Net interest margin | 4.9009% | 536 |
| Noninterest income to average assets | 0.8560% | 1,853 |
| Noninterest expense to average assets | 4.1049% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1867% | 1,592 |
| Return on assets (ROA) | 1.1867% | 1,662 |
| Pretax return on assets | 1.1867% | 2,461 |
| Return on Equity (ROE) | 9.4112% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.3999% | 2,678 |
| Net charge-offs to loans | -0.5010% | 7,730 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5735% | 2,798 |
| Assets per employee ($millions) | 2.0550% | 7,550 |
| Cash dividends to net income (ytd only)* | 42.6230% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2015% | 702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.8589% | 1,938 |
| Net loans and leases to deposits | 85.5388% | 2,590 |
| Net loans and leases to core deposits | 93.4376% | 2,800 |
| Total domestic deposits to total assets | 86.3455% | 2,908 |
| Equity capital to assets | 12.8273% | 1,642 |
| Core capital (leverage) ratio | 12.4822% | 1,414 |
| Tier 1 risk-based capital ratio | 17.5324% | 2,095 |
| Total risk-based capital ratio | 18.8009% | 2,052 |
| Memoranda: | ||
| Average total assets | $10,280,330 | 7,789 |
| Average earning assets | $9,304,330 | 7,775 |
| Average equity | $1,296,330 | 7,771 |
| Average total loans | $7,585,330 | 7,640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7049% | 1,758 |
| Cost of funding earning assets | 0.8777% | 6,850 |
| Net interest margin | 4.8272% | 605 |
| Noninterest income to average assets | 0.8558% | 1,791 |
| Noninterest expense to average assets | 4.0844% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0503% | 2,001 |
| Return on assets (ROA) | 1.0503% | 2,062 |
| Pretax return on assets | 1.0503% | 2,902 |
| Return on Equity (ROE) | 8.4014% | 2,699 |
| Retained earnings to average equity (ytd only) | 0.3112% | 5,703 |
| Net charge-offs to loans | -0.4827% | 7,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5455% | 2,638 |
| Assets per employee ($millions) | 1.9880% | 7,673 |
| Cash dividends to net income (ytd only)* | 96.2963% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2340% | 678 |
| 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 | 72.5453% | 2,315 |
| Net loans and leases to deposits | 83.6446% | 3,001 |
| Net loans and leases to core deposits | 91.6148% | 3,154 |
| Total domestic deposits to total assets | 86.7304% | 2,776 |
| Equity capital to assets | 12.9276% | 1,552 |
| Core capital (leverage) ratio | 12.5049% | 1,402 |
| Tier 1 risk-based capital ratio | 18.5228% | 1,826 |
| Total risk-based capital ratio | 19.7972% | 1,789 |
| Memoranda: | ||
| Average total assets | $10,283,000 | 7,891 |
| Average earning assets | $9,115,000 | 7,879 |
| Average equity | $1,285,500 | 7,856 |
| Average total loans | $7,458,000 | 7,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0799% | 1,575 |
| Cost of funding earning assets | 1.0519% | 7,095 |
| Net interest margin | 5.0281% | 423 |
| Noninterest income to average assets | 0.8321% | 2,261 |
| Noninterest expense to average assets | 4.3788% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9777% | 1,916 |
| Return on assets (ROA) | 0.9777% | 1,967 |
| Pretax return on assets | 0.9777% | 2,666 |
| Return on Equity (ROE) | 7.6262% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.0300% | 1,806 |
| Net charge-offs to loans | -0.5362% | 7,949 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7476% | 2,638 |
| Assets per employee ($millions) | 2.1252% | 7,634 |
| Cash dividends to net income (ytd only)* | 34.0426% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1083% | 711 |
| 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 | 68.0595% | 3,694 |
| Net loans and leases to deposits | 79.8675% | 4,022 |
| Net loans and leases to core deposits | 95.1955% | 4,548 |
| Total domestic deposits to total assets | 85.2155% | 3,450 |
| Equity capital to assets | 12.1024% | 1,976 |
| Core capital (leverage) ratio | 12.4914% | 1,462 |
| Tier 1 risk-based capital ratio | 18.3673% | 1,785 |
| Total risk-based capital ratio | 19.6465% | 1,734 |
| Memoranda: | ||
| Average total assets | $9,614,600 | 7,972 |
| Average earning assets | $8,651,400 | 7,959 |
| Average equity | $1,232,600 | 7,958 |
| Average total loans | $6,714,000 | 7,836 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0171% | 1,963 |
| Cost of funding earning assets | 1.1096% | 7,159 |
| Net interest margin | 4.9075% | 547 |
| Noninterest income to average assets | 0.8118% | 2,372 |
| Noninterest expense to average assets | 4.5575% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7264% | 3,111 |
| Return on assets (ROA) | 0.7264% | 3,177 |
| Pretax return on assets | 0.7264% | 3,770 |
| Return on Equity (ROE) | 5.5772% | 3,705 |
| Retained earnings to average equity (ytd only) | 2.0775% | 4,164 |
| Net charge-offs to loans | -0.4086% | 8,016 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2534% | 2,033 |
| Assets per employee ($millions) | 1.9312% | 7,843 |
| Cash dividends to net income (ytd only)* | 62.7500% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0197% | 657 |
| 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 | 71.8413% | 3,077 |
| Net loans and leases to deposits | 82.9190% | 3,845 |
| Net loans and leases to core deposits | 96.9125% | 4,714 |
| Total domestic deposits to total assets | 86.6404% | 2,359 |
| Equity capital to assets | 12.8935% | 1,738 |
| Core capital (leverage) ratio | 12.7045% | 1,496 |
| Tier 1 risk-based capital ratio | 19.1088% | 1,721 |
| Total risk-based capital ratio | 20.3775% | 1,682 |
| Memoranda: | ||
| Average total assets | $9,361,750 | 8,060 |
| Average earning assets | $8,531,000 | 8,047 |
| Average equity | $1,219,250 | 8,041 |
| Average total loans | $6,526,500 | 7,920 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8789% | 2,682 |
| Cost of funding earning assets | 1.1424% | 7,264 |
| Net interest margin | 4.7364% | 752 |
| Noninterest income to average assets | 0.7556% | 2,674 |
| Noninterest expense to average assets | 4.7066% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3454% | 4,697 |
| Return on assets (ROA) | 0.3454% | 4,814 |
| Pretax return on assets | 0.3454% | 5,081 |
| Return on Equity (ROE) | 2.6432% | 5,040 |
| Retained earnings to average equity (ytd only) | -2.6432% | 5,897 |
| Net charge-offs to loans | -0.6015% | 8,109 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1624% | 1,555 |
| Assets per employee ($millions) | 1.9262% | 7,902 |
| Cash dividends to net income (ytd only)* | 200.0000% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3505% | 427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.3962% | 4,899 |
| Net loans and leases to deposits | 74.0095% | 5,452 |
| Net loans and leases to core deposits | 84.1291% | 6,082 |
| Total domestic deposits to total assets | 87.0107% | 2,253 |
| Equity capital to assets | 12.5844% | 1,889 |
| Core capital (leverage) ratio | 12.5405% | 1,605 |
| Tier 1 risk-based capital ratio | 20.0971% | 1,562 |
| Total risk-based capital ratio | 21.3700% | 1,520 |
| Memoranda: | ||
| Average total assets | $9,263,670 | 8,157 |
| Average earning assets | $8,403,000 | 8,141 |
| Average equity | $1,210,670 | 8,133 |
| Average total loans | $6,317,670 | 8,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0091% | 2,326 |
| Cost of funding earning assets | 1.2415% | 7,198 |
| Net interest margin | 4.7675% | 653 |
| Noninterest income to average assets | 0.7489% | 2,604 |
| Noninterest expense to average assets | 5.0220% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0441% | 6,325 |
| Return on assets (ROA) | -0.0441% | 6,449 |
| Pretax return on assets | -0.0441% | 6,423 |
| Return on Equity (ROE) | -0.3306% | 6,448 |
| Retained earnings to average equity (ytd only) | -10.9091% | 7,193 |
| Net charge-offs to loans | 0.4467% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.1429% | 5,106 |
| Efficiency ratio | 100.8850% | 1,095 |
| Assets per employee ($millions) | 1.8352% | 8,000 |
| Cash dividends to net income (ytd only)* | -3,200.0000% | 8,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0484% | 456 |
| Loan loss allowance to noncurrent loans | 484.6154% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 6,232 |
| Noncurrent loans to loans | 0.6290% | 5,827 |
| Net loans and leases to total assets | 65.5078% | 4,701 |
| Net loans and leases to deposits | 78.1868% | 4,895 |
| Net loans and leases to core deposits | 83.7187% | 6,082 |
| Total domestic deposits to total assets | 83.7838% | 3,810 |
| Equity capital to assets | 13.0122% | 1,739 |
| Core capital (leverage) ratio | 12.9050% | 1,514 |
| Tier 1 risk-based capital ratio | 20.0135% | 1,620 |
| Total risk-based capital ratio | 21.2824% | 1,572 |
| Memoranda: | ||
| Average total assets | $9,080,000 | 8,207 |
| Average earning assets | $8,054,500 | 8,193 |
| Average equity | $1,210,000 | 8,185 |
| Average total loans | $6,268,000 | 8,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7018% | 2,020 |
| Cost of funding earning assets | 1.4838% | 7,633 |
| Net interest margin | 5.2180% | 329 |
| Noninterest income to average assets | 0.7398% | 2,846 |
| Noninterest expense to average assets | 4.9284% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6146% | 4,242 |
| Return on assets (ROA) | 0.6146% | 4,103 |
| Pretax return on assets | 0.6146% | 4,649 |
| Return on Equity (ROE) | 4.5516% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.5516% | 2,288 |
| Net charge-offs to loans | 0.1942% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,957 |
| Efficiency ratio | 88.9117% | 1,594 |
| Assets per employee ($millions) | 1.7968% | 8,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0934% | 403 |
| Loan loss allowance to noncurrent loans | 3,266.6667% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 7,298 |
| Noncurrent loans to loans | 0.0947% | 7,135 |
| Net loans and leases to total assets | 68.3437% | 4,403 |
| Net loans and leases to deposits | 79.7506% | 5,087 |
| Net loans and leases to core deposits | 85.2896% | 6,185 |
| Total domestic deposits to total assets | 85.6968% | 2,536 |
| Equity capital to assets | 13.6465% | 1,554 |
| Core capital (leverage) ratio | 13.5096% | 1,385 |
| Tier 1 risk-based capital ratio | 20.4542% | 1,545 |
| Total risk-based capital ratio | 21.7325% | 1,504 |
| Memoranda: | ||
| Average total assets | $8,785,800 | 8,267 |
| Average earning assets | $8,087,400 | 8,248 |
| Average equity | $1,186,400 | 8,253 |
| Average total loans | $6,178,200 | 8,118 |