Home > The Peoples State Bank > Performance and Condition Ratios
The Peoples State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2331% | 115 |
| Cost of funding earning assets | 1.5761% | 3,021 |
| Net interest margin | 6.6570% | 51 |
| Noninterest income to average assets | 0.5800% | 1,411 |
| Noninterest expense to average assets | 3.2218% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 3.4340% | 115 |
| Return on assets (ROA) | 3.4340% | 116 |
| Pretax return on assets | 3.5497% | 134 |
| Return on Equity (ROE) | 15.0800% | 1,051 |
| Retained earnings to average equity (ytd only) | 15.0784% | 411 |
| Net charge-offs to loans | -0.1563% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 47.5783% | 4,032 |
| Assets per employee ($millions) | 4.2278% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,212 |
| Loan loss allowance to noncurrent loans | 306.8966% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 1,036 |
| Noncurrent loans to loans | 0.3268% | 2,334 |
| Net loans and leases to total assets | 83.1200% | 298 |
| Net loans and leases to deposits | 113.9864% | 109 |
| Net loans and leases to core deposits | 129.4174% | 341 |
| Total domestic deposits to total assets | 72.9200% | 4,125 |
| Equity capital to assets | 22.7589% | 231 |
| Core capital (leverage) ratio | 23.0777% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $20,734,000 | 4,388 |
| Average earning assets | $19,288,000 | 4,363 |
| Average equity | $4,722,000 | 4,262 |
| Average total loans | $17,915,500 | 4,228 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2047% | 140 |
| Cost of funding earning assets | 1.5213% | 3,314 |
| Net interest margin | 6.6834% | 55 |
| Noninterest income to average assets | 0.7600% | 1,011 |
| Noninterest expense to average assets | 3.2908% | 772 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 3.4462% | 112 |
| Return on assets (ROA) | 3.4462% | 115 |
| Pretax return on assets | 3.5810% | 126 |
| Return on Equity (ROE) | 14.1800% | 1,088 |
| Retained earnings to average equity (ytd only) | 0.1066% | 3,876 |
| Net charge-offs to loans | -0.0601% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 47.3174% | 4,125 |
| Assets per employee ($millions) | 4.0658% | 4,068 |
| Cash dividends to net income (ytd only)* | 99.2481% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,476 |
| Loan loss allowance to noncurrent loans | 61.2903% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 324 |
| Noncurrent loans to loans | 1.5430% | 615 |
| Net loans and leases to total assets | 88.1100% | 76 |
| Net loans and leases to deposits | 120.6859% | 70 |
| Net loans and leases to core deposits | 137.1965% | 283 |
| Total domestic deposits to total assets | 73.0000% | 4,113 |
| Equity capital to assets | 22.7901% | 225 |
| Core capital (leverage) ratio | 22.7778% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $19,296,400 | 4,419 |
| Average earning assets | $17,880,000 | 4,391 |
| Average equity | $4,690,400 | 4,267 |
| Average total loans | $16,649,600 | 4,256 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4,303.0000% | 42 |
| Cost of funding earning assets | 16.0000% | 32 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.0000% | 4,496 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 3.4666% | 112 |
| Pretax return on assets | 3.6137% | 128 |
| Return on Equity (ROE) | 14.0300% | 1,140 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 9.0000% | 24 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 750.0000% | 28 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 176.0000% | 40 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0977% | 4,467 |
| Equity capital to assets | 40,801.0000% | 30 |
| Core capital (leverage) ratio | 0.0000% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,000 | 4,527 |
| Average earning assets | $2,163 | 4,519 |
| Average equity | $0 | 4,479 |
| Average total loans | NA | NA |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2371% | 143 |
| Cost of funding earning assets | 1.4475% | 3,400 |
| Net interest margin | 6.7896% | 59 |
| Noninterest income to average assets | 0.8600% | 774 |
| Noninterest expense to average assets | 3.3649% | 671 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 3.4713% | 118 |
| Return on assets (ROA) | 3.4713% | 120 |
| Pretax return on assets | 3.6204% | 135 |
| Return on Equity (ROE) | 13.8400% | 1,183 |
| Retained earnings to average equity (ytd only) | 3.6503% | 2,838 |
| Net charge-offs to loans | 0.0246% | 1,665 |
| Credit loss provision to net charge-offs | 750.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 541 |
| Efficiency ratio | 47.0238% | 4,149 |
| Assets per employee ($millions) | 3.7696% | 4,200 |
| Cash dividends to net income (ytd only)* | 73.6196% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,390 |
| Loan loss allowance to noncurrent loans | 189.2857% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.5333% | 326 |
| Noncurrent loans to loans | 0.5160% | 1,719 |
| Net loans and leases to total assets | 85.5300% | 188 |
| Net loans and leases to deposits | 121.7891% | 79 |
| Net loans and leases to core deposits | 136.2753% | 311 |
| Total domestic deposits to total assets | 70.2200% | 4,230 |
| Equity capital to assets | 25.0159% | 188 |
| Core capital (leverage) ratio | 23.5221% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $18,782,333 | 4,466 |
| Average earning assets | $17,409,000 | 4,440 |
| Average equity | $4,712,000 | 4,294 |
| Average total loans | $16,241,000 | 4,301 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9917% | 165 |
| Cost of funding earning assets | 1.1976% | 3,732 |
| Net interest margin | 6.7941% | 64 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 3.3281% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.5201% | 116 |
| Return on assets (ROA) | 3.5201% | 115 |
| Pretax return on assets | 3.6481% | 134 |
| Return on Equity (ROE) | 14.0100% | 1,147 |
| Retained earnings to average equity (ytd only) | 14.0113% | 502 |
| Net charge-offs to loans | -0.0493% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 47.7064% | 4,114 |
| Assets per employee ($millions) | 3.8764% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 3,712 |
| Loan loss allowance to noncurrent loans | 143.6893% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 216 |
| Noncurrent loans to loans | 0.6251% | 1,401 |
| Net loans and leases to total assets | 84.2500% | 253 |
| Net loans and leases to deposits | 121.4217% | 66 |
| Net loans and leases to core deposits | 132.3124% | 372 |
| Total domestic deposits to total assets | 69.3900% | 4,302 |
| Equity capital to assets | 24.7291% | 193 |
| Core capital (leverage) ratio | 25.7439% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $18,749,500 | 4,497 |
| Average earning assets | $17,368,000 | 4,470 |
| Average equity | $4,710,500 | 4,314 |
| Average total loans | $16,222,000 | 4,327 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2967% | 181 |
| Cost of funding earning assets | 0.6039% | 4,066 |
| Net interest margin | 6.6927% | 69 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 3.4092% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.4550% | 125 |
| Return on assets (ROA) | 3.4550% | 123 |
| Pretax return on assets | 3.6040% | 140 |
| Return on Equity (ROE) | 12.8800% | 1,757 |
| Retained earnings to average equity (ytd only) | 0.1709% | 4,007 |
| Net charge-offs to loans | 0.0269% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 157.2500% | 689 |
| Efficiency ratio | 48.6111% | 4,058 |
| Assets per employee ($millions) | 3.6234% | 4,262 |
| Cash dividends to net income (ytd only)* | 98.6733% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 3,668 |
| Loan loss allowance to noncurrent loans | 53.8745% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.7829% | 183 |
| Noncurrent loans to loans | 1.6974% | 368 |
| Net loans and leases to total assets | 87.3200% | 106 |
| Net loans and leases to deposits | 127.8281% | 53 |
| Net loans and leases to core deposits | 130.4742% | 395 |
| Total domestic deposits to total assets | 68.3100% | 4,337 |
| Equity capital to assets | 25.5451% | 186 |
| Core capital (leverage) ratio | 26.2061% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $17,453,000 | 4,529 |
| Average earning assets | $16,226,600 | 4,491 |
| Average equity | $4,680,000 | 4,290 |
| Average total loans | $14,879,800 | 4,353 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2125% | 172 |
| Cost of funding earning assets | 0.5389% | 4,078 |
| Net interest margin | 6.6737% | 63 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 3.4707% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.3936% | 143 |
| Return on assets (ROA) | 3.3936% | 143 |
| Pretax return on assets | 3.5324% | 159 |
| Return on Equity (ROE) | 12.5000% | 2,003 |
| Retained earnings to average equity (ytd only) | 1.7046% | 3,793 |
| Net charge-offs to loans | 0.0456% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 91.6000% | 966 |
| Efficiency ratio | 49.5595% | 3,946 |
| Assets per employee ($millions) | 4.2803% | 4,053 |
| Cash dividends to net income (ytd only)* | 86.3636% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,438 |
| Loan loss allowance to noncurrent loans | 53.7037% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.8866% | 159 |
| Noncurrent loans to loans | 1.8346% | 352 |
| Net loans and leases to total assets | 85.1100% | 204 |
| Net loans and leases to deposits | 118.5390% | 92 |
| Net loans and leases to core deposits | 123.6697% | 467 |
| Total domestic deposits to total assets | 71.8000% | 4,263 |
| Equity capital to assets | 27.3349% | 176 |
| Core capital (leverage) ratio | 27.1998% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $17,287,000 | 4,556 |
| Average earning assets | $16,082,750 | 4,521 |
| Average equity | $4,693,000 | 4,298 |
| Average total loans | $14,608,250 | 4,377 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9747% | 179 |
| Cost of funding earning assets | 0.4344% | 4,110 |
| Net interest margin | 6.5404% | 72 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 3.4482% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.2176% | 132 |
| Return on assets (ROA) | 3.2176% | 130 |
| Pretax return on assets | 3.3444% | 163 |
| Return on Equity (ROE) | 11.8800% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.6409% | 3,044 |
| Net charge-offs to loans | -0.0137% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.7640% | 3,866 |
| Assets per employee ($millions) | 3.4212% | 4,362 |
| Cash dividends to net income (ytd only)* | 60.9319% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,166 |
| Loan loss allowance to noncurrent loans | 55.7196% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9058% | 149 |
| Noncurrent loans to loans | 1.8921% | 306 |
| Net loans and leases to total assets | 82.8500% | 342 |
| Net loans and leases to deposits | 115.3790% | 126 |
| Net loans and leases to core deposits | 120.3771% | 504 |
| Total domestic deposits to total assets | 71.8100% | 4,301 |
| Equity capital to assets | 27.6453% | 168 |
| Core capital (leverage) ratio | 27.6001% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $17,342,333 | 4,585 |
| Average earning assets | $16,115,333 | 4,550 |
| Average equity | $4,697,333 | 4,322 |
| Average total loans | $14,572,000 | 4,397 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5713% | 165 |
| Cost of funding earning assets | 0.3938% | 3,980 |
| Net interest margin | 6.1775% | 85 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 3.3905% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7720% | 190 |
| Return on assets (ROA) | 2.7720% | 185 |
| Pretax return on assets | 2.9323% | 212 |
| Return on Equity (ROE) | 10.3400% | 2,685 |
| Retained earnings to average equity (ytd only) | 10.3386% | 1,619 |
| Net charge-offs to loans | -0.0272% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.6232% | 3,640 |
| Assets per employee ($millions) | 3.5718% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,583 |
| Loan loss allowance to noncurrent loans | 53.7367% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.8926% | 137 |
| Noncurrent loans to loans | 1.8292% | 333 |
| Net loans and leases to total assets | 85.1700% | 178 |
| Net loans and leases to deposits | 116.9357% | 110 |
| Net loans and leases to core deposits | 121.6588% | 398 |
| Total domestic deposits to total assets | 72.8400% | 4,326 |
| Equity capital to assets | 26.5524% | 141 |
| Core capital (leverage) ratio | 27.1530% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $17,460,500 | 4,645 |
| Average earning assets | $16,252,500 | 4,618 |
| Average equity | $4,681,500 | 4,378 |
| Average total loans | $14,696,500 | 4,459 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8441% | 103 |
| Cost of funding earning assets | 0.2711% | 3,144 |
| Net interest margin | 5.5730% | 76 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 3.3653% | 568 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 2.5874% | 137 |
| Return on assets (ROA) | 2.5874% | 134 |
| Pretax return on assets | 2.6720% | 167 |
| Return on Equity (ROE) | 9.8600% | 2,847 |
| Retained earnings to average equity (ytd only) | 0.1934% | 4,314 |
| Net charge-offs to loans | 0.0692% | 955 |
| Credit loss provision to net charge-offs | 50.0000% | 1,818 |
| Earnings coverage of net charge-offs (x) | 47.9000% | 1,390 |
| Efficiency ratio | 55.4833% | 3,630 |
| Assets per employee ($millions) | 3.4124% | 4,464 |
| Cash dividends to net income (ytd only)* | 98.0392% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,041 |
| Loan loss allowance to noncurrent loans | 56.1798% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.0220% | 119 |
| Noncurrent loans to loans | 1.9029% | 302 |
| Net loans and leases to total assets | 81.3600% | 468 |
| Net loans and leases to deposits | 112.0882% | 130 |
| Net loans and leases to core deposits | 116.8533% | 430 |
| Total domestic deposits to total assets | 72.5800% | 4,410 |
| Equity capital to assets | 27.0836% | 134 |
| Core capital (leverage) ratio | 26.8976% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $17,739,800 | 4,680 |
| Average earning assets | $16,597,800 | 4,647 |
| Average equity | $4,654,400 | 4,464 |
| Average total loans | $14,446,000 | 4,495 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 90 |
| Cost of funding earning assets | 0.2619% | 2,579 |
| Net interest margin | 5.5241% | 75 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 3.2682% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.6727% | 132 |
| Return on assets (ROA) | 2.6727% | 128 |
| Pretax return on assets | 2.7843% | 161 |
| Return on Equity (ROE) | 10.2700% | 2,641 |
| Retained earnings to average equity (ytd only) | 0.2574% | 4,300 |
| Net charge-offs to loans | 0.0275% | 1,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 124.6667% | 828 |
| Efficiency ratio | 53.9975% | 3,824 |
| Assets per employee ($millions) | 3.5414% | 4,472 |
| Cash dividends to net income (ytd only)* | 97.4930% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,328 |
| Loan loss allowance to noncurrent loans | 66.3755% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.7451% | 173 |
| Noncurrent loans to loans | 1.5584% | 440 |
| Net loans and leases to total assets | 82.1300% | 372 |
| Net loans and leases to deposits | 112.2578% | 103 |
| Net loans and leases to core deposits | 116.8019% | 317 |
| Total domestic deposits to total assets | 73.1600% | 4,475 |
| Equity capital to assets | 26.0970% | 132 |
| Core capital (leverage) ratio | 25.2887% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $17,909,250 | 4,714 |
| Average earning assets | $16,798,750 | 4,683 |
| Average equity | $4,662,750 | 4,508 |
| Average total loans | $14,549,750 | 4,526 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8418% | 78 |
| Cost of funding earning assets | 0.2612% | 2,127 |
| Net interest margin | 5.5806% | 65 |
| Noninterest income to average assets | 0.8567% | 927 |
| Noninterest expense to average assets | 3.3377% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.6479% | 97 |
| Return on assets (ROA) | 2.6479% | 92 |
| Pretax return on assets | 2.7480% | 130 |
| Return on Equity (ROE) | 10.1782% | 2,272 |
| Retained earnings to average equity (ytd only) | 2.6942% | 3,551 |
| Net charge-offs to loans | 0.0552% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 1,069 |
| Efficiency ratio | 54.8446% | 3,880 |
| Assets per employee ($millions) | 3.7346% | 4,478 |
| Cash dividends to net income (ytd only)* | 73.5294% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,081 |
| Loan loss allowance to noncurrent loans | 52.2491% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.1689% | 112 |
| Noncurrent loans to loans | 2.1422% | 299 |
| Net loans and leases to total assets | 71.4400% | 1,167 |
| Net loans and leases to deposits | 95.9160% | 436 |
| Net loans and leases to core deposits | 116.9765% | 231 |
| Total domestic deposits to total assets | 74.4819% | 4,522 |
| Equity capital to assets | 25.0361% | 94 |
| Core capital (leverage) ratio | 24.6299% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,976,667 | 4,749 |
| Average earning assets | $16,844,000 | 4,731 |
| Average equity | $4,676,667 | 4,555 |
| Average total loans | $14,501,333 | 4,588 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0114% | 70 |
| Cost of funding earning assets | 0.2424% | 2,244 |
| Net interest margin | 5.7690% | 55 |
| Noninterest income to average assets | 0.9530% | 751 |
| Noninterest expense to average assets | 3.3355% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.9725% | 80 |
| Return on assets (ROA) | 2.9725% | 79 |
| Pretax return on assets | 3.0178% | 104 |
| Return on Equity (ROE) | 11.2026% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.2026% | 743 |
| Net charge-offs to loans | -0.0267% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5000% | 4,164 |
| Assets per employee ($millions) | 3.6308% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,590 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.7407% | 187 |
| Noncurrent loans to loans | 1.5460% | 525 |
| Net loans and leases to total assets | 82.5162% | 139 |
| Net loans and leases to deposits | 128.9157% | 22 |
| Net loans and leases to core deposits | 134.7486% | 76 |
| Total domestic deposits to total assets | 64.0079% | 4,708 |
| Equity capital to assets | 26.1265% | 81 |
| Core capital (leverage) ratio | 26.2363% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,628,500 | 4,774 |
| Average earning assets | $16,502,000 | 4,759 |
| Average equity | $4,677,500 | 4,596 |
| Average total loans | $15,006,500 | 4,597 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0060% | 81 |
| Cost of funding earning assets | 0.2487% | 2,948 |
| Net interest margin | 5.7572% | 65 |
| Noninterest income to average assets | 0.8268% | 1,387 |
| Noninterest expense to average assets | 3.3582% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.7013% | 131 |
| Return on assets (ROA) | 2.7013% | 133 |
| Pretax return on assets | 2.8429% | 168 |
| Return on Equity (ROE) | 10.2238% | 2,448 |
| Retained earnings to average equity (ytd only) | 0.0429% | 4,474 |
| Net charge-offs to loans | -0.0351% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1553% | 3,916 |
| Assets per employee ($millions) | 3.4206% | 4,608 |
| Cash dividends to net income (ytd only)* | 99.5807% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 3,598 |
| Loan loss allowance to noncurrent loans | 55.1601% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.2628% | 128 |
| Noncurrent loans to loans | 1.8888% | 425 |
| Net loans and leases to total assets | 86.0785% | 59 |
| Net loans and leases to deposits | 123.1245% | 32 |
| Net loans and leases to core deposits | 128.5315% | 110 |
| Total domestic deposits to total assets | 69.9117% | 4,688 |
| Equity capital to assets | 26.9660% | 77 |
| Core capital (leverage) ratio | 26.4525% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,658,200 | 4,816 |
| Average earning assets | $16,483,600 | 4,800 |
| Average equity | $4,665,600 | 4,657 |
| Average total loans | $14,238,800 | 4,666 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0021% | 87 |
| Cost of funding earning assets | 0.2568% | 3,051 |
| Net interest margin | 5.7453% | 73 |
| Noninterest income to average assets | 0.8016% | 1,523 |
| Noninterest expense to average assets | 3.2514% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.7644% | 157 |
| Return on assets (ROA) | 2.7644% | 160 |
| Pretax return on assets | 2.9143% | 195 |
| Return on Equity (ROE) | 10.5148% | 2,551 |
| Retained earnings to average equity (ytd only) | 1.9662% | 4,193 |
| Net charge-offs to loans | -0.0379% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7339% | 3,950 |
| Assets per employee ($millions) | 3.6576% | 4,589 |
| Cash dividends to net income (ytd only)* | 81.3008% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,652 |
| Loan loss allowance to noncurrent loans | 49.5177% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.3185% | 143 |
| Noncurrent loans to loans | 2.1255% | 397 |
| Net loans and leases to total assets | 79.1667% | 340 |
| Net loans and leases to deposits | 107.2286% | 121 |
| Net loans and leases to core deposits | 111.3607% | 299 |
| Total domestic deposits to total assets | 73.8298% | 4,646 |
| Equity capital to assets | 25.5851% | 89 |
| Core capital (leverage) ratio | 26.1821% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,797,000 | 4,888 |
| Average earning assets | $16,616,000 | 4,873 |
| Average equity | $4,679,000 | 4,723 |
| Average total loans | $14,079,250 | 4,738 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9931% | 99 |
| Cost of funding earning assets | 0.2674% | 3,108 |
| Net interest margin | 5.7256% | 75 |
| Noninterest income to average assets | 0.7599% | 1,647 |
| Noninterest expense to average assets | 3.1758% | 752 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.7561% | 159 |
| Return on assets (ROA) | 2.7561% | 161 |
| Pretax return on assets | 2.9263% | 205 |
| Return on Equity (ROE) | 10.3868% | 2,619 |
| Retained earnings to average equity (ytd only) | 3.9752% | 3,526 |
| Net charge-offs to loans | -0.0864% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0446% | 4,038 |
| Assets per employee ($millions) | 3.4422% | 4,687 |
| Cash dividends to net income (ytd only)* | 61.7284% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,889 |
| Loan loss allowance to noncurrent loans | 62.4000% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1440% | 189 |
| Noncurrent loans to loans | 1.9353% | 510 |
| Net loans and leases to total assets | 74.1503% | 737 |
| Net loans and leases to deposits | 102.6875% | 206 |
| Net loans and leases to core deposits | 107.0009% | 439 |
| Total domestic deposits to total assets | 72.2096% | 4,705 |
| Equity capital to assets | 27.3255% | 75 |
| Core capital (leverage) ratio | 26.2826% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,633,333 | 4,926 |
| Average earning assets | $16,452,333 | 4,909 |
| Average equity | $4,679,000 | 4,754 |
| Average total loans | $13,895,000 | 4,773 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9257% | 123 |
| Cost of funding earning assets | 0.2891% | 3,111 |
| Net interest margin | 5.6367% | 86 |
| Noninterest income to average assets | 0.6725% | 1,951 |
| Noninterest expense to average assets | 3.2055% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5554% | 243 |
| Return on assets (ROA) | 2.5554% | 266 |
| Pretax return on assets | 2.7123% | 331 |
| Return on Equity (ROE) | 9.7707% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.7707% | 1,724 |
| Net charge-offs to loans | -0.1112% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1667% | 3,765 |
| Assets per employee ($millions) | 3.6102% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,534 |
| Loan loss allowance to noncurrent loans | 41.2869% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.9361% | 102 |
| Noncurrent loans to loans | 2.6086% | 347 |
| Net loans and leases to total assets | 78.3613% | 445 |
| Net loans and leases to deposits | 112.1195% | 120 |
| Net loans and leases to core deposits | 114.3862% | 315 |
| Total domestic deposits to total assets | 69.8909% | 4,770 |
| Equity capital to assets | 26.1703% | 82 |
| Core capital (leverage) ratio | 26.5259% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,844,500 | 4,950 |
| Average earning assets | $16,605,500 | 4,938 |
| Average equity | $4,667,000 | 4,777 |
| Average total loans | $14,383,500 | 4,793 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5202% | 56 |
| Cost of funding earning assets | 0.3817% | 3,697 |
| Net interest margin | 6.1385% | 40 |
| Noninterest income to average assets | 0.7986% | 1,538 |
| Noninterest expense to average assets | 2.9661% | 1,513 |
| Loan and lease loss provision to assets | 0.2567% | 1,514 |
| Net operating income to assets | 3.1429% | 83 |
| Return on assets (ROA) | 3.1429% | 87 |
| Pretax return on assets | 3.2627% | 104 |
| Return on Equity (ROE) | 11.7635% | 1,390 |
| Retained earnings to average equity (ytd only) | 0.0213% | 4,511 |
| Net charge-offs to loans | 0.5255% | 298 |
| Credit loss provision to net charge-offs | 60.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.2267% | 2,620 |
| Efficiency ratio | 45.7344% | 4,726 |
| Assets per employee ($millions) | 3.5276% | 4,638 |
| Cash dividends to net income (ytd only)* | 99.8185% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,733 |
| Loan loss allowance to noncurrent loans | 32.4675% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 4.0027% | 62 |
| Noncurrent loans to loans | 3.1933% | 253 |
| Net loans and leases to total assets | 81.1770% | 352 |
| Net loans and leases to deposits | 115.9352% | 103 |
| Net loans and leases to core deposits | 118.3306% | 333 |
| Total domestic deposits to total assets | 70.0193% | 4,776 |
| Equity capital to assets | 26.1368% | 85 |
| Core capital (leverage) ratio | 25.6467% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,531,600 | 4,971 |
| Average earning assets | $16,241,800 | 4,958 |
| Average equity | $4,684,000 | 4,786 |
| Average total loans | $14,272,600 | 4,819 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7345% | 54 |
| Cost of funding earning assets | 0.4111% | 3,760 |
| Net interest margin | 6.3234% | 35 |
| Noninterest income to average assets | 0.7845% | 1,554 |
| Noninterest expense to average assets | 2.8182% | 1,927 |
| Loan and lease loss provision to assets | 0.3028% | 1,332 |
| Net operating income to assets | 3.3894% | 72 |
| Return on assets (ROA) | 3.3894% | 73 |
| Pretax return on assets | 3.5189% | 90 |
| Return on Equity (ROE) | 12.6171% | 1,215 |
| Retained earnings to average equity (ytd only) | 1.2759% | 4,160 |
| Net charge-offs to loans | 0.6749% | 211 |
| Credit loss provision to net charge-offs | 55.5556% | 2,869 |
| Earnings coverage of net charge-offs (x) | 6.9722% | 2,613 |
| Efficiency ratio | 42.4312% | 4,845 |
| Assets per employee ($millions) | 3.5632% | 4,631 |
| Cash dividends to net income (ytd only)* | 89.8876% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,265 |
| Loan loss allowance to noncurrent loans | 37.8517% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 3.5698% | 105 |
| Noncurrent loans to loans | 2.8773% | 337 |
| Net loans and leases to total assets | 75.4434% | 1,170 |
| Net loans and leases to deposits | 107.1423% | 287 |
| Net loans and leases to core deposits | 114.9393% | 524 |
| Total domestic deposits to total assets | 70.4142% | 4,743 |
| Equity capital to assets | 26.1226% | 85 |
| Core capital (leverage) ratio | 25.9362% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9533% | 331 |
| Memoranda: | ||
| Average total assets | $17,505,000 | 5,000 |
| Average earning assets | $16,214,500 | 4,987 |
| Average equity | $4,702,500 | 4,808 |
| Average total loans | $14,223,750 | 4,848 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2364% | 54 |
| Cost of funding earning assets | 0.4468% | 3,807 |
| Net interest margin | 6.7895% | 39 |
| Noninterest income to average assets | 0.7815% | 1,484 |
| Noninterest expense to average assets | 2.7469% | 2,229 |
| Loan and lease loss provision to assets | 0.4597% | 833 |
| Net operating income to assets | 3.7353% | 56 |
| Return on assets (ROA) | 3.7353% | 58 |
| Pretax return on assets | 3.8618% | 68 |
| Return on Equity (ROE) | 13.7751% | 922 |
| Retained earnings to average equity (ytd only) | 4.2385% | 2,804 |
| Net charge-offs to loans | 1.0114% | 142 |
| Credit loss provision to net charge-offs | 54.7945% | 2,604 |
| Earnings coverage of net charge-offs (x) | 5.1507% | 2,540 |
| Efficiency ratio | 38.8618% | 4,942 |
| Assets per employee ($millions) | 3.5152% | 4,652 |
| Cash dividends to net income (ytd only)* | 69.2308% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,079 |
| Loan loss allowance to noncurrent loans | 41.4085% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 3.4365% | 117 |
| Noncurrent loans to loans | 2.6500% | 420 |
| Net loans and leases to total assets | 75.3812% | 1,219 |
| Net loans and leases to deposits | 108.0140% | 269 |
| Net loans and leases to core deposits | 116.0666% | 533 |
| Total domestic deposits to total assets | 69.7883% | 4,792 |
| Equity capital to assets | 26.7922% | 81 |
| Core capital (leverage) ratio | 26.8396% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,401,333 | 5,032 |
| Average earning assets | $16,113,000 | 5,018 |
| Average equity | $4,718,667 | 4,834 |
| Average total loans | $14,435,333 | 4,873 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4087% | 35 |
| Cost of funding earning assets | 0.4976% | 3,957 |
| Net interest margin | 7.9112% | 27 |
| Noninterest income to average assets | 0.7624% | 1,426 |
| Noninterest expense to average assets | 2.6568% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 5.2905% | 30 |
| Return on assets (ROA) | 5.2905% | 30 |
| Pretax return on assets | 5.4522% | 33 |
| Return on Equity (ROE) | 19.3924% | 193 |
| Retained earnings to average equity (ytd only) | 19.3924% | 69 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7635% | 5,051 |
| Assets per employee ($millions) | 3.4602% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,561 |
| Loan loss allowance to noncurrent loans | 10.4895% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 11.3173% | 14 |
| Noncurrent loans to loans | 11.6386% | 22 |
| Net loans and leases to total assets | 84.1801% | 253 |
| Net loans and leases to deposits | 122.7372% | 69 |
| Net loans and leases to core deposits | 135.9216% | 205 |
| Total domestic deposits to total assets | 68.5856% | 4,909 |
| Equity capital to assets | 27.9637% | 83 |
| Core capital (leverage) ratio | 27.9008% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,314,000 | 5,081 |
| Average earning assets | $16,078,500 | 5,066 |
| Average equity | $4,723,500 | 4,871 |
| Average total loans | $14,955,000 | 4,904 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7113% | 390 |
| Cost of funding earning assets | 0.5395% | 3,923 |
| Net interest margin | 5.1718% | 201 |
| Noninterest income to average assets | 0.6038% | 2,201 |
| Noninterest expense to average assets | 3.3410% | 1,226 |
| Loan and lease loss provision to assets | 0.1150% | 1,836 |
| Net operating income to assets | 1.8516% | 477 |
| Return on assets (ROA) | 1.8516% | 497 |
| Pretax return on assets | 1.9436% | 671 |
| Return on Equity (ROE) | 6.9238% | 3,573 |
| Retained earnings to average equity (ytd only) | 0.4731% | 4,553 |
| Net charge-offs to loans | 0.0494% | 2,408 |
| Credit loss provision to net charge-offs | 285.7143% | 982 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 1,109 |
| Efficiency ratio | 61.8743% | 3,401 |
| Assets per employee ($millions) | 3.4654% | 4,512 |
| Cash dividends to net income (ytd only)* | 93.1677% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,507 |
| Loan loss allowance to noncurrent loans | 11.4943% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 10.4577% | 17 |
| Noncurrent loans to loans | 10.3257% | 24 |
| Net loans and leases to total assets | 86.4893% | 140 |
| Net loans and leases to deposits | 118.4851% | 88 |
| Net loans and leases to core deposits | 130.3470% | 274 |
| Total domestic deposits to total assets | 72.9959% | 4,830 |
| Equity capital to assets | 26.6001% | 105 |
| Core capital (leverage) ratio | 26.1979% | 108 |
| Tier 1 risk-based capital ratio | 29.0349% | 515 |
| Total risk-based capital ratio | 30.1688% | 508 |
| Memoranda: | ||
| Average total assets | $17,390,200 | 5,141 |
| Average earning assets | $16,125,800 | 5,128 |
| Average equity | $4,650,600 | 4,926 |
| Average total loans | $14,177,800 | 4,982 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1421% | 190 |
| Cost of funding earning assets | 0.5373% | 3,992 |
| Net interest margin | 5.6048% | 99 |
| Noninterest income to average assets | 0.7813% | 1,479 |
| Noninterest expense to average assets | 3.4164% | 1,058 |
| Loan and lease loss provision to assets | 0.1532% | 1,227 |
| Net operating income to assets | 2.2904% | 224 |
| Return on assets (ROA) | 2.2904% | 237 |
| Pretax return on assets | 2.4053% | 302 |
| Return on Equity (ROE) | 8.5531% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.2622% | 3,265 |
| Net charge-offs to loans | 0.0670% | 1,870 |
| Credit loss provision to net charge-offs | 285.7143% | 980 |
| Earnings coverage of net charge-offs (x) | 47.7299% | 1,231 |
| Efficiency ratio | 57.1795% | 4,046 |
| Assets per employee ($millions) | 4.4108% | 3,326 |
| Cash dividends to net income (ytd only)* | 50.1681% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,578 |
| Loan loss allowance to noncurrent loans | 11.2360% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 10.3951% | 16 |
| Noncurrent loans to loans | 12.4514% | 14 |
| Net loans and leases to total assets | 71.9039% | 2,190 |
| Net loans and leases to deposits | 99.2024% | 706 |
| Net loans and leases to core deposits | 109.0050% | 992 |
| Total domestic deposits to total assets | 72.4820% | 4,896 |
| Equity capital to assets | 26.8435% | 102 |
| Core capital (leverage) ratio | 26.8938% | 102 |
| Tier 1 risk-based capital ratio | 32.3741% | 416 |
| Total risk-based capital ratio | 33.6045% | 407 |
| Memoranda: | ||
| Average total assets | $17,406,000 | 5,220 |
| Average earning assets | $16,128,750 | 5,207 |
| Average equity | $4,661,000 | 4,991 |
| Average total loans | $13,930,750 | 5,064 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1491% | 188 |
| Cost of funding earning assets | 0.5217% | 4,026 |
| Net interest margin | 5.6273% | 103 |
| Noninterest income to average assets | 0.7849% | 1,398 |
| Noninterest expense to average assets | 3.5090% | 949 |
| Loan and lease loss provision to assets | 0.2309% | 704 |
| Net operating income to assets | 2.1700% | 284 |
| Return on assets (ROA) | 2.1700% | 297 |
| Pretax return on assets | 2.2739% | 376 |
| Return on Equity (ROE) | 8.1104% | 3,243 |
| Retained earnings to average equity (ytd only) | 1.6393% | 4,233 |
| Net charge-offs to loans | 0.1260% | 1,190 |
| Credit loss provision to net charge-offs | 222.2222% | 1,122 |
| Earnings coverage of net charge-offs (x) | 24.1111% | 1,636 |
| Efficiency ratio | 58.3493% | 3,962 |
| Assets per employee ($millions) | 3.6692% | 4,285 |
| Cash dividends to net income (ytd only)* | 79.7872% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,767 |
| Loan loss allowance to noncurrent loans | 13.8846% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 8.2906% | 25 |
| Noncurrent loans to loans | 9.8110% | 31 |
| Net loans and leases to total assets | 70.2551% | 2,494 |
| Net loans and leases to deposits | 94.5982% | 1,196 |
| Net loans and leases to core deposits | 103.3186% | 1,440 |
| Total domestic deposits to total assets | 74.2669% | 4,814 |
| Equity capital to assets | 25.2099% | 120 |
| Core capital (leverage) ratio | 25.8221% | 108 |
| Tier 1 risk-based capital ratio | 31.6153% | 431 |
| Total risk-based capital ratio | 32.8320% | 422 |
| Memoranda: | ||
| Average total assets | $17,327,000 | 5,267 |
| Average earning assets | $16,100,000 | 5,255 |
| Average equity | $4,636,000 | 5,027 |
| Average total loans | $14,285,670 | 5,103 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3472% | 134 |
| Cost of funding earning assets | 0.5119% | 4,008 |
| Net interest margin | 5.8353% | 82 |
| Noninterest income to average assets | 0.8087% | 1,277 |
| Noninterest expense to average assets | 3.4964% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5925% | 140 |
| Return on assets (ROA) | 2.5925% | 149 |
| Pretax return on assets | 2.7352% | 171 |
| Return on Equity (ROE) | 9.3935% | 2,634 |
| Retained earnings to average equity (ytd only) | 9.3935% | 1,195 |
| Net charge-offs to loans | 0.0537% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 934 |
| Efficiency ratio | 56.1069% | 4,319 |
| Assets per employee ($millions) | 3.3432% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 2,930 |
| Loan loss allowance to noncurrent loans | 19.7605% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 6.2754% | 42 |
| Noncurrent loans to loans | 5.7499% | 84 |
| Net loans and leases to total assets | 85.8878% | 198 |
| Net loans and leases to deposits | 120.2731% | 85 |
| Net loans and leases to core deposits | 122.8459% | 454 |
| Total domestic deposits to total assets | 71.4106% | 5,063 |
| Equity capital to assets | 28.0928% | 81 |
| Core capital (leverage) ratio | 27.5409% | 86 |
| Tier 1 risk-based capital ratio | 32.1446% | 411 |
| Total risk-based capital ratio | 33.2740% | 407 |
| Memoranda: | ||
| Average total assets | $16,817,500 | 5,325 |
| Average earning assets | $15,629,000 | 5,313 |
| Average equity | $4,641,500 | 5,065 |
| Average total loans | $14,895,000 | 5,151 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6567% | 77 |
| Cost of funding earning assets | 0.4898% | 3,422 |
| Net interest margin | 6.1669% | 66 |
| Noninterest income to average assets | 1.0107% | 926 |
| Noninterest expense to average assets | 3.7002% | 772 |
| Loan and lease loss provision to assets | 0.4763% | 259 |
| Net operating income to assets | 2.4862% | 153 |
| Return on assets (ROA) | 2.4862% | 152 |
| Pretax return on assets | 2.5385% | 193 |
| Return on Equity (ROE) | 9.2043% | 2,886 |
| Retained earnings to average equity (ytd only) | 0.6022% | 4,828 |
| Net charge-offs to loans | 0.3818% | 493 |
| Credit loss provision to net charge-offs | 141.3793% | 1,916 |
| Earnings coverage of net charge-offs (x) | 8.9483% | 2,847 |
| Efficiency ratio | 55.1038% | 4,506 |
| Assets per employee ($millions) | 3.3838% | 4,673 |
| Cash dividends to net income (ytd only)* | 93.4579% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,141 |
| Loan loss allowance to noncurrent loans | 34.7917% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 3.9423% | 122 |
| Noncurrent loans to loans | 3.1438% | 313 |
| Net loans and leases to total assets | 89.2547% | 77 |
| Net loans and leases to deposits | 122.9823% | 76 |
| Net loans and leases to core deposits | 130.7446% | 304 |
| Total domestic deposits to total assets | 72.5752% | 5,040 |
| Equity capital to assets | 27.1115% | 88 |
| Core capital (leverage) ratio | 27.4342% | 84 |
| Tier 1 risk-based capital ratio | 27.9780% | 564 |
| Total risk-based capital ratio | 28.9966% | 567 |
| Memoranda: | ||
| Average total assets | $17,215,200 | 5,364 |
| Average earning assets | $15,923,800 | 5,353 |
| Average equity | $4,650,000 | 5,094 |
| Average total loans | $15,192,600 | 5,191 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5623% | 79 |
| Cost of funding earning assets | 0.5010% | 3,193 |
| Net interest margin | 6.0614% | 71 |
| Noninterest income to average assets | 1.0257% | 909 |
| Noninterest expense to average assets | 3.7094% | 749 |
| Loan and lease loss provision to assets | 0.5167% | 215 |
| Net operating income to assets | 2.3675% | 197 |
| Return on assets (ROA) | 2.3675% | 195 |
| Pretax return on assets | 2.3983% | 280 |
| Return on Equity (ROE) | 8.7729% | 3,208 |
| Retained earnings to average equity (ytd only) | 3.0576% | 4,212 |
| Net charge-offs to loans | 0.0967% | 1,527 |
| Credit loss provision to net charge-offs | 609.0909% | 587 |
| Earnings coverage of net charge-offs (x) | 34.3551% | 1,482 |
| Efficiency ratio | 55.9953% | 4,392 |
| Assets per employee ($millions) | 3.3490% | 4,729 |
| Cash dividends to net income (ytd only)* | 65.1471% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,002 |
| Loan loss allowance to noncurrent loans | 12.1194% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 10.8271% | 16 |
| Noncurrent loans to loans | 10.8843% | 25 |
| Net loans and leases to total assets | 88.9042% | 112 |
| Net loans and leases to deposits | 127.3155% | 64 |
| Net loans and leases to core deposits | 135.7684% | 245 |
| Total domestic deposits to total assets | 69.8298% | 5,217 |
| Equity capital to assets | 27.8650% | 79 |
| Core capital (leverage) ratio | 27.7144% | 84 |
| Tier 1 risk-based capital ratio | 29.9083% | 481 |
| Total risk-based capital ratio | 31.1711% | 474 |
| Memoranda: | ||
| Average total assets | $17,289,250 | 5,434 |
| Average earning assets | $15,969,500 | 5,423 |
| Average equity | $4,665,750 | 5,156 |
| Average total loans | $15,173,750 | 5,254 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6341% | 72 |
| Cost of funding earning assets | 0.5208% | 2,830 |
| Net interest margin | 6.1133% | 69 |
| Noninterest income to average assets | 1.1219% | 761 |
| Noninterest expense to average assets | 3.6518% | 818 |
| Loan and lease loss provision to assets | 0.4808% | 238 |
| Net operating income to assets | 2.6330% | 121 |
| Return on assets (ROA) | 2.6330% | 121 |
| Pretax return on assets | 2.6330% | 173 |
| Return on Equity (ROE) | 9.8592% | 2,631 |
| Retained earnings to average equity (ytd only) | 9.8592% | 962 |
| Net charge-offs to loans | 0.2105% | 749 |
| Credit loss provision to net charge-offs | 262.5000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,975 |
| Efficiency ratio | 53.9763% | 4,695 |
| Assets per employee ($millions) | 3.4062% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,989 |
| Loan loss allowance to noncurrent loans | 11.7361% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 9.4651% | 26 |
| Noncurrent loans to loans | 9.7873% | 31 |
| Net loans and leases to total assets | 85.3972% | 316 |
| Net loans and leases to deposits | 119.5365% | 112 |
| Net loans and leases to core deposits | 132.2903% | 292 |
| Total domestic deposits to total assets | 71.4403% | 5,212 |
| Equity capital to assets | 28.1193% | 81 |
| Core capital (leverage) ratio | 28.3121% | 79 |
| Tier 1 risk-based capital ratio | 31.2925% | 436 |
| Total risk-based capital ratio | 32.3968% | 433 |
| Memoranda: | ||
| Average total assets | $17,470,670 | 5,499 |
| Average earning assets | $16,128,670 | 5,485 |
| Average equity | $4,665,670 | 5,215 |
| Average total loans | $15,203,000 | 5,313 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3482% | 86 |
| Cost of funding earning assets | 0.5147% | 2,684 |
| Net interest margin | 5.8335% | 83 |
| Noninterest income to average assets | 0.8140% | 1,409 |
| Noninterest expense to average assets | 3.5725% | 898 |
| Loan and lease loss provision to assets | 0.7236% | 133 |
| Net operating income to assets | 2.0350% | 343 |
| Return on assets (ROA) | 2.0350% | 344 |
| Pretax return on assets | 1.8993% | 726 |
| Return on Equity (ROE) | 7.8193% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.8193% | 1,912 |
| Net charge-offs to loans | 0.1036% | 1,164 |
| Credit loss provision to net charge-offs | 800.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,261 |
| Efficiency ratio | 57.6642% | 4,391 |
| Assets per employee ($millions) | 3.4762% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,201 |
| Loan loss allowance to noncurrent loans | 13.3074% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 8.8833% | 27 |
| Noncurrent loans to loans | 8.5021% | 42 |
| Net loans and leases to total assets | 85.9732% | 262 |
| Net loans and leases to deposits | 126.1119% | 60 |
| Net loans and leases to core deposits | 146.0989% | 154 |
| Total domestic deposits to total assets | 68.1721% | 5,413 |
| Equity capital to assets | 26.7476% | 86 |
| Core capital (leverage) ratio | 26.0302% | 97 |
| Tier 1 risk-based capital ratio | 30.2689% | 462 |
| Total risk-based capital ratio | 31.3823% | 460 |
| Memoranda: | ||
| Average total assets | $17,690,500 | 5,561 |
| Average earning assets | $16,319,500 | 5,549 |
| Average equity | $4,604,000 | 5,276 |
| Average total loans | $15,448,000 | 5,367 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4073% | 82 |
| Cost of funding earning assets | 0.3434% | 3,770 |
| Net interest margin | 6.0639% | 70 |
| Noninterest income to average assets | 0.2890% | 4,397 |
| Noninterest expense to average assets | 3.3887% | 1,219 |
| Loan and lease loss provision to assets | 0.5667% | 225 |
| Net operating income to assets | 1.8077% | 412 |
| Return on assets (ROA) | 1.8077% | 419 |
| Pretax return on assets | 1.9380% | 563 |
| Return on Equity (ROE) | 6.8343% | 3,361 |
| Retained earnings to average equity (ytd only) | -0.6642% | 5,141 |
| Net charge-offs to loans | 0.9670% | 190 |
| Credit loss provision to net charge-offs | 68.0272% | 3,117 |
| Earnings coverage of net charge-offs (x) | 3.0068% | 3,663 |
| Efficiency ratio | 57.5000% | 4,588 |
| Assets per employee ($millions) | 3.6054% | 4,561 |
| Cash dividends to net income (ytd only)* | 109.7179% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,450 |
| Loan loss allowance to noncurrent loans | 10.7681% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 8.4651% | 30 |
| Noncurrent loans to loans | 8.4146% | 42 |
| Net loans and leases to total assets | 86.7532% | 208 |
| Net loans and leases to deposits | 132.2313% | 38 |
| Net loans and leases to core deposits | 140.2224% | 211 |
| Total domestic deposits to total assets | 65.6071% | 5,527 |
| Equity capital to assets | 25.4396% | 94 |
| Core capital (leverage) ratio | 26.6056% | 85 |
| Tier 1 risk-based capital ratio | 28.4721% | 519 |
| Total risk-based capital ratio | 29.3599% | 529 |
| Memoranda: | ||
| Average total assets | $17,647,000 | 5,624 |
| Average earning assets | $16,309,600 | 5,612 |
| Average equity | $4,667,600 | 5,322 |
| Average total loans | $15,202,400 | 5,434 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5177% | 73 |
| Cost of funding earning assets | 0.3374% | 3,795 |
| Net interest margin | 6.1804% | 61 |
| Noninterest income to average assets | 0.9192% | 1,215 |
| Noninterest expense to average assets | 3.3576% | 1,229 |
| Loan and lease loss provision to assets | 0.1899% | 1,025 |
| Net operating income to assets | 2.9321% | 84 |
| Return on assets (ROA) | 2.9321% | 83 |
| Pretax return on assets | 3.0765% | 107 |
| Return on Equity (ROE) | 10.9780% | 1,711 |
| Retained earnings to average equity (ytd only) | 2.4458% | 4,426 |
| Net charge-offs to loans | 0.3542% | 597 |
| Credit loss provision to net charge-offs | 62.5000% | 2,777 |
| Earnings coverage of net charge-offs (x) | 10.7504% | 2,562 |
| Efficiency ratio | 50.6881% | 5,199 |
| Assets per employee ($millions) | 3.3328% | 4,940 |
| Cash dividends to net income (ytd only)* | 77.7208% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,695 |
| Loan loss allowance to noncurrent loans | 28.0449% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 5.1008% | 99 |
| Noncurrent loans to loans | 4.4193% | 202 |
| Net loans and leases to total assets | 83.6834% | 468 |
| Net loans and leases to deposits | 117.3130% | 135 |
| Net loans and leases to core deposits | 124.3646% | 452 |
| Total domestic deposits to total assets | 71.3334% | 5,422 |
| Equity capital to assets | 28.2225% | 71 |
| Core capital (leverage) ratio | 27.9408% | 72 |
| Tier 1 risk-based capital ratio | 33.8272% | 356 |
| Total risk-based capital ratio | 35.0860% | 345 |
| Memoranda: | ||
| Average total assets | $17,552,000 | 5,689 |
| Average earning assets | $16,201,500 | 5,678 |
| Average equity | $4,688,000 | 5,378 |
| Average total loans | $15,057,500 | 5,496 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4163% | 82 |
| Cost of funding earning assets | 0.3396% | 3,694 |
| Net interest margin | 6.0767% | 69 |
| Noninterest income to average assets | 0.9525% | 1,129 |
| Noninterest expense to average assets | 3.3729% | 1,217 |
| Loan and lease loss provision to assets | 0.2801% | 565 |
| Net operating income to assets | 2.7790% | 94 |
| Return on assets (ROA) | 2.7790% | 96 |
| Pretax return on assets | 2.9135% | 124 |
| Return on Equity (ROE) | 10.5915% | 1,800 |
| Retained earnings to average equity (ytd only) | 4.1854% | 3,221 |
| Net charge-offs to loans | 0.5335% | 363 |
| Credit loss provision to net charge-offs | 60.9756% | 2,457 |
| Earnings coverage of net charge-offs (x) | 6.9512% | 2,653 |
| Efficiency ratio | 51.3652% | 5,216 |
| Assets per employee ($millions) | 3.4460% | 4,803 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,986 |
| Loan loss allowance to noncurrent loans | 27.0186% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 5.0784% | 98 |
| Noncurrent loans to loans | 4.4555% | 185 |
| Net loans and leases to total assets | 82.8787% | 568 |
| Net loans and leases to deposits | 114.5700% | 188 |
| Net loans and leases to core deposits | 123.7006% | 444 |
| Total domestic deposits to total assets | 72.3389% | 5,431 |
| Equity capital to assets | 27.3651% | 70 |
| Core capital (leverage) ratio | 27.0371% | 77 |
| Tier 1 risk-based capital ratio | 33.0275% | 365 |
| Total risk-based capital ratio | 34.2463% | 358 |
| Memoranda: | ||
| Average total assets | $17,848,000 | 5,734 |
| Average earning assets | $16,489,330 | 5,725 |
| Average equity | $4,683,000 | 5,419 |
| Average total loans | $15,370,000 | 5,539 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2882% | 89 |
| Cost of funding earning assets | 0.3559% | 3,465 |
| Net interest margin | 5.9323% | 80 |
| Noninterest income to average assets | 0.8371% | 1,441 |
| Noninterest expense to average assets | 3.3706% | 1,254 |
| Loan and lease loss provision to assets | 0.5508% | 180 |
| Net operating income to assets | 2.2030% | 226 |
| Return on assets (ROA) | 2.2030% | 230 |
| Pretax return on assets | 2.4233% | 244 |
| Return on Equity (ROE) | 8.5708% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.5708% | 1,245 |
| Net charge-offs to loans | 0.9351% | 178 |
| Credit loss provision to net charge-offs | 67.5676% | 1,856 |
| Earnings coverage of net charge-offs (x) | 3.6486% | 2,465 |
| Efficiency ratio | 53.1250% | 5,192 |
| Assets per employee ($millions) | 3.4842% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,277 |
| Loan loss allowance to noncurrent loans | 20.8920% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 6.2453% | 76 |
| Noncurrent loans to loans | 5.6312% | 128 |
| Net loans and leases to total assets | 85.8274% | 236 |
| Net loans and leases to deposits | 118.2911% | 103 |
| Net loans and leases to core deposits | 127.5659% | 295 |
| Total domestic deposits to total assets | 72.5561% | 5,515 |
| Equity capital to assets | 27.0765% | 78 |
| Core capital (leverage) ratio | 26.0191% | 90 |
| Tier 1 risk-based capital ratio | 31.7429% | 425 |
| Total risk-based capital ratio | 32.9408% | 421 |
| Memoranda: | ||
| Average total assets | $18,157,000 | 5,800 |
| Average earning assets | $16,857,000 | 5,788 |
| Average equity | $4,667,000 | 5,480 |
| Average total loans | $15,828,000 | 5,594 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4660% | 68 |
| Cost of funding earning assets | 0.3700% | 3,317 |
| Net interest margin | 6.0960% | 62 |
| Noninterest income to average assets | 0.8787% | 1,483 |
| Noninterest expense to average assets | 3.5201% | 1,131 |
| Loan and lease loss provision to assets | 0.3705% | 445 |
| Net operating income to assets | 2.5779% | 134 |
| Return on assets (ROA) | 2.5779% | 136 |
| Pretax return on assets | 2.6573% | 159 |
| Return on Equity (ROE) | 10.3989% | 1,805 |
| Retained earnings to average equity (ytd only) | 0.2562% | 5,214 |
| Net charge-offs to loans | 0.1693% | 1,606 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 20.4286% | 1,856 |
| Efficiency ratio | 53.7591% | 5,264 |
| Assets per employee ($millions) | 3.7786% | 4,345 |
| Cash dividends to net income (ytd only)* | 97.5359% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 3,432 |
| Loan loss allowance to noncurrent loans | 25.4011% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 5.2242% | 114 |
| Noncurrent loans to loans | 4.5262% | 201 |
| Net loans and leases to total assets | 86.4659% | 212 |
| Net loans and leases to deposits | 118.8159% | 101 |
| Net loans and leases to core deposits | 133.0185% | 250 |
| Total domestic deposits to total assets | 72.7730% | 5,510 |
| Equity capital to assets | 24.4376% | 108 |
| Core capital (leverage) ratio | 24.2872% | 109 |
| Tier 1 risk-based capital ratio | 28.4421% | 545 |
| Total risk-based capital ratio | 29.6125% | 539 |
| Memoranda: | ||
| Average total assets | $18,891,400 | 5,850 |
| Average earning assets | $17,568,800 | 5,833 |
| Average equity | $4,683,200 | 5,527 |
| Average total loans | $16,538,000 | 5,626 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4861% | 70 |
| Cost of funding earning assets | 0.3793% | 3,235 |
| Net interest margin | 6.1069% | 62 |
| Noninterest income to average assets | 0.8752% | 1,488 |
| Noninterest expense to average assets | 3.5713% | 1,042 |
| Loan and lease loss provision to assets | 0.4940% | 255 |
| Net operating income to assets | 2.4350% | 171 |
| Return on assets (ROA) | 2.4350% | 181 |
| Pretax return on assets | 2.4915% | 221 |
| Return on Equity (ROE) | 9.7875% | 2,151 |
| Retained earnings to average equity (ytd only) | 4.8228% | 2,945 |
| Net charge-offs to loans | 0.2338% | 1,007 |
| Credit loss provision to net charge-offs | 241.3793% | 1,228 |
| Earnings coverage of net charge-offs (x) | 14.5847% | 2,235 |
| Efficiency ratio | 54.4672% | 5,203 |
| Assets per employee ($millions) | 3.7802% | 4,342 |
| Cash dividends to net income (ytd only)* | 50.7250% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,720 |
| Loan loss allowance to noncurrent loans | 35.3271% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 4.1162% | 198 |
| Noncurrent loans to loans | 3.1764% | 451 |
| Net loans and leases to total assets | 88.1117% | 130 |
| Net loans and leases to deposits | 121.6331% | 97 |
| Net loans and leases to core deposits | 136.2402% | 225 |
| Total domestic deposits to total assets | 72.4406% | 5,573 |
| Equity capital to assets | 25.2632% | 101 |
| Core capital (leverage) ratio | 25.6969% | 90 |
| Tier 1 risk-based capital ratio | 29.4517% | 502 |
| Total risk-based capital ratio | 30.6174% | 499 |
| Memoranda: | ||
| Average total assets | $18,891,000 | 5,915 |
| Average earning assets | $17,575,500 | 5,897 |
| Average equity | $4,699,750 | 5,582 |
| Average total loans | $16,541,000 | 5,686 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6427% | 69 |
| Cost of funding earning assets | 0.3988% | 3,054 |
| Net interest margin | 6.2439% | 61 |
| Noninterest income to average assets | 0.8577% | 1,519 |
| Noninterest expense to average assets | 3.5155% | 1,139 |
| Loan and lease loss provision to assets | 0.2118% | 1,007 |
| Net operating income to assets | 2.8802% | 96 |
| Return on assets (ROA) | 2.8802% | 96 |
| Pretax return on assets | 2.9331% | 127 |
| Return on Equity (ROE) | 11.6372% | 1,433 |
| Retained earnings to average equity (ytd only) | 4.1500% | 3,262 |
| Net charge-offs to loans | 0.3285% | 716 |
| Credit loss provision to net charge-offs | 74.0741% | 2,437 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,293 |
| Efficiency ratio | 52.7822% | 5,397 |
| Assets per employee ($millions) | 3.6308% | 4,546 |
| Cash dividends to net income (ytd only)* | 64.3382% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 5,030 |
| Loan loss allowance to noncurrent loans | 32.7907% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 3.7512% | 266 |
| Noncurrent loans to loans | 2.6683% | 620 |
| Net loans and leases to total assets | 87.9916% | 135 |
| Net loans and leases to deposits | 125.5226% | 65 |
| Net loans and leases to core deposits | 139.1100% | 194 |
| Total domestic deposits to total assets | 70.1003% | 5,778 |
| Equity capital to assets | 25.9006% | 89 |
| Core capital (leverage) ratio | 25.5710% | 87 |
| Tier 1 risk-based capital ratio | 30.4041% | 478 |
| Total risk-based capital ratio | 31.3159% | 488 |
| Memoranda: | ||
| Average total assets | $18,887,670 | 5,990 |
| Average earning assets | $17,553,000 | 5,971 |
| Average equity | $4,674,670 | 5,650 |
| Average total loans | $16,440,330 | 5,757 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6204% | 72 |
| Cost of funding earning assets | 0.4250% | 2,814 |
| Net interest margin | 6.1955% | 61 |
| Noninterest income to average assets | 0.7479% | 1,825 |
| Noninterest expense to average assets | 3.7186% | 875 |
| Loan and lease loss provision to assets | 0.4155% | 323 |
| Net operating income to assets | 2.3267% | 196 |
| Return on assets (ROA) | 2.3267% | 206 |
| Pretax return on assets | 2.3683% | 293 |
| Return on Equity (ROE) | 9.6117% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.6117% | 951 |
| Net charge-offs to loans | 0.6987% | 305 |
| Credit loss provision to net charge-offs | 68.9655% | 1,911 |
| Earnings coverage of net charge-offs (x) | 4.6207% | 2,403 |
| Efficiency ratio | 57.1885% | 5,079 |
| Assets per employee ($millions) | 3.7618% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 5,202 |
| Loan loss allowance to noncurrent loans | 31.5909% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 3.5249% | 315 |
| Noncurrent loans to loans | 2.7105% | 654 |
| Net loans and leases to total assets | 85.5654% | 249 |
| Net loans and leases to deposits | 123.6003% | 72 |
| Net loans and leases to core deposits | 136.6446% | 201 |
| Total domestic deposits to total assets | 69.2275% | 5,894 |
| Equity capital to assets | 25.0784% | 91 |
| Core capital (leverage) ratio | 24.0026% | 108 |
| Tier 1 risk-based capital ratio | 30.3052% | 495 |
| Total risk-based capital ratio | 31.1982% | 505 |
| Memoranda: | ||
| Average total assets | $19,254,500 | 6,048 |
| Average earning assets | $17,884,000 | 6,026 |
| Average equity | $4,661,000 | 5,689 |
| Average total loans | $16,603,000 | 5,806 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4673% | 81 |
| Cost of funding earning assets | 0.3902% | 3,263 |
| Net interest margin | 6.0771% | 69 |
| Noninterest income to average assets | 0.9914% | 1,200 |
| Noninterest expense to average assets | 3.4618% | 1,364 |
| Loan and lease loss provision to assets | 0.3846% | 369 |
| Net operating income to assets | 2.7737% | 107 |
| Return on assets (ROA) | 2.7737% | 106 |
| Pretax return on assets | 2.8821% | 122 |
| Return on Equity (ROE) | 11.0240% | 1,607 |
| Retained earnings to average equity (ytd only) | 0.0431% | 5,486 |
| Net charge-offs to loans | 0.8239% | 268 |
| Credit loss provision to net charge-offs | 55.4688% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.7109% | 3,503 |
| Efficiency ratio | 51.4493% | 5,667 |
| Assets per employee ($millions) | 3.9400% | 4,045 |
| Cash dividends to net income (ytd only)* | 99.6094% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 5,192 |
| Loan loss allowance to noncurrent loans | 45.2599% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 2.7005% | 541 |
| Noncurrent loans to loans | 1.9266% | 1,106 |
| Net loans and leases to total assets | 85.4061% | 280 |
| Net loans and leases to deposits | 134.9888% | 27 |
| Net loans and leases to core deposits | 140.5597% | 158 |
| Total domestic deposits to total assets | 63.2690% | 6,057 |
| Equity capital to assets | 23.3756% | 116 |
| Core capital (leverage) ratio | 23.8935% | 105 |
| Tier 1 risk-based capital ratio | 28.5776% | 575 |
| Total risk-based capital ratio | 29.4961% | 579 |
| Memoranda: | ||
| Average total assets | $18,458,800 | 6,112 |
| Average earning assets | $17,426,000 | 6,093 |
| Average equity | $4,644,400 | 5,731 |
| Average total loans | $15,535,400 | 5,880 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2283% | 102 |
| Cost of funding earning assets | 0.3956% | 3,267 |
| Net interest margin | 5.8327% | 83 |
| Noninterest income to average assets | 0.9257% | 1,384 |
| Noninterest expense to average assets | 3.4235% | 1,429 |
| Loan and lease loss provision to assets | 0.3747% | 343 |
| Net operating income to assets | 2.5640% | 152 |
| Return on assets (ROA) | 2.5640% | 155 |
| Pretax return on assets | 2.6521% | 192 |
| Return on Equity (ROE) | 9.9977% | 2,106 |
| Retained earnings to average equity (ytd only) | 1.1173% | 5,271 |
| Net charge-offs to loans | 1.1948% | 136 |
| Credit loss provision to net charge-offs | 37.5000% | 3,195 |
| Earnings coverage of net charge-offs (x) | 3.0294% | 3,567 |
| Efficiency ratio | 53.0752% | 5,578 |
| Assets per employee ($millions) | 3.7250% | 4,400 |
| Cash dividends to net income (ytd only)* | 88.8249% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 5,626 |
| Loan loss allowance to noncurrent loans | 39.3443% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.7436% | 586 |
| Noncurrent loans to loans | 1.9053% | 1,216 |
| Net loans and leases to total assets | 85.3047% | 271 |
| Net loans and leases to deposits | 118.9133% | 114 |
| Net loans and leases to core deposits | 131.0675% | 263 |
| Total domestic deposits to total assets | 71.7369% | 5,878 |
| Equity capital to assets | 24.9235% | 99 |
| Core capital (leverage) ratio | 23.6354% | 111 |
| Tier 1 risk-based capital ratio | 31.5460% | 456 |
| Total risk-based capital ratio | 32.3615% | 463 |
| Memoranda: | ||
| Average total assets | $18,148,500 | 6,199 |
| Average earning assets | $17,190,000 | 6,179 |
| Average equity | $4,654,250 | 5,808 |
| Average total loans | $15,176,000 | 5,967 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0323% | 128 |
| Cost of funding earning assets | 0.3865% | 3,409 |
| Net interest margin | 5.6458% | 102 |
| Noninterest income to average assets | 0.8672% | 1,547 |
| Noninterest expense to average assets | 3.2130% | 1,945 |
| Loan and lease loss provision to assets | 0.4558% | 234 |
| Net operating income to assets | 2.4681% | 170 |
| Return on assets (ROA) | 2.4681% | 180 |
| Pretax return on assets | 2.5570% | 234 |
| Return on Equity (ROE) | 9.5313% | 2,287 |
| Retained earnings to average equity (ytd only) | 3.9499% | 3,494 |
| Net charge-offs to loans | 1.1410% | 166 |
| Credit loss provision to net charge-offs | 48.2353% | 2,724 |
| Earnings coverage of net charge-offs (x) | 3.1882% | 3,227 |
| Efficiency ratio | 51.6071% | 5,746 |
| Assets per employee ($millions) | 3.9386% | 4,000 |
| Cash dividends to net income (ytd only)* | 58.5586% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 4,416 |
| Loan loss allowance to noncurrent loans | 35.4626% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.8487% | 605 |
| Noncurrent loans to loans | 3.0566% | 644 |
| Net loans and leases to total assets | 74.6052% | 1,569 |
| Net loans and leases to deposits | 98.4917% | 749 |
| Net loans and leases to core deposits | 114.9069% | 630 |
| Total domestic deposits to total assets | 75.7477% | 5,626 |
| Equity capital to assets | 23.8410% | 112 |
| Core capital (leverage) ratio | 24.5195% | 92 |
| Tier 1 risk-based capital ratio | 32.7132% | 433 |
| Total risk-based capital ratio | 33.8350% | 431 |
| Memoranda: | ||
| Average total assets | $17,989,670 | 6,279 |
| Average earning assets | $17,074,670 | 6,255 |
| Average equity | $4,658,330 | 5,865 |
| Average total loans | $14,898,670 | 6,035 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 148 |
| Cost of funding earning assets | 0.3693% | 3,655 |
| Net interest margin | 5.5152% | 119 |
| Noninterest income to average assets | 0.8402% | 1,574 |
| Noninterest expense to average assets | 3.3610% | 1,575 |
| Loan and lease loss provision to assets | 0.9569% | 88 |
| Net operating income to assets | 1.7272% | 555 |
| Return on assets (ROA) | 1.7272% | 587 |
| Pretax return on assets | 1.7505% | 952 |
| Return on Equity (ROE) | 6.3793% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.3793% | 2,297 |
| Net charge-offs to loans | 2.2250% | 77 |
| Credit loss provision to net charge-offs | 49.3976% | 2,107 |
| Earnings coverage of net charge-offs (x) | 1.3976% | 2,925 |
| Efficiency ratio | 55.3846% | 5,564 |
| Assets per employee ($millions) | 2.9570% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 4,706 |
| Loan loss allowance to noncurrent loans | 52.5806% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.4011% | 910 |
| Noncurrent loans to loans | 2.0165% | 1,295 |
| Net loans and leases to total assets | 85.7288% | 210 |
| Net loans and leases to deposits | 117.1442% | 122 |
| Net loans and leases to core deposits | 140.1456% | 154 |
| Total domestic deposits to total assets | 73.1823% | 5,965 |
| Equity capital to assets | 26.3612% | 82 |
| Core capital (leverage) ratio | 31.9184% | 62 |
| Tier 1 risk-based capital ratio | 31.5885% | 473 |
| Total risk-based capital ratio | 32.6895% | 474 |
| Memoranda: | ||
| Average total assets | $17,138,000 | 6,357 |
| Average earning assets | $16,246,000 | 6,331 |
| Average equity | $4,640,000 | 5,920 |
| Average total loans | $14,921,500 | 6,089 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0983% | 65 |
| Cost of funding earning assets | 0.4069% | 3,618 |
| Net interest margin | 6.6914% | 53 |
| Noninterest income to average assets | 1.5201% | 532 |
| Noninterest expense to average assets | 3.5875% | 1,333 |
| Loan and lease loss provision to assets | 0.2432% | 955 |
| Net operating income to assets | 3.8246% | 61 |
| Return on assets (ROA) | 3.8246% | 61 |
| Pretax return on assets | 3.9888% | 69 |
| Return on Equity (ROE) | 13.5636% | 1,025 |
| Retained earnings to average equity (ytd only) | 1.4879% | 5,100 |
| Net charge-offs to loans | 0.3011% | 1,464 |
| Credit loss provision to net charge-offs | 95.2381% | 2,530 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 2,002 |
| Efficiency ratio | 45.8787% | 6,269 |
| Assets per employee ($millions) | 2.7557% | 5,977 |
| Cash dividends to net income (ytd only)* | 89.0302% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 2,867 |
| Loan loss allowance to noncurrent loans | 38.8994% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 3.9071% | 436 |
| Noncurrent loans to loans | 3.6420% | 545 |
| Net loans and leases to total assets | 86.2768% | 191 |
| Net loans and leases to deposits | 121.2701% | 88 |
| Net loans and leases to core deposits | 121.2701% | 381 |
| Total domestic deposits to total assets | 71.1443% | 6,135 |
| Equity capital to assets | 27.8396% | 74 |
| Core capital (leverage) ratio | 28.2254% | 70 |
| Tier 1 risk-based capital ratio | 34.0635% | 366 |
| Total risk-based capital ratio | 35.3215% | 360 |
| Memoranda: | ||
| Average total assets | $16,446,000 | 6,451 |
| Average earning assets | $15,482,600 | 6,432 |
| Average equity | $4,637,400 | 5,948 |
| Average total loans | $13,946,600 | 6,195 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1157% | 64 |
| Cost of funding earning assets | 0.4145% | 3,637 |
| Net interest margin | 6.7011% | 57 |
| Noninterest income to average assets | 1.7210% | 441 |
| Noninterest expense to average assets | 3.4907% | 1,478 |
| Loan and lease loss provision to assets | 0.1624% | 1,531 |
| Net operating income to assets | 4.1970% | 57 |
| Return on assets (ROA) | 4.1970% | 57 |
| Pretax return on assets | 4.3675% | 70 |
| Return on Equity (ROE) | 14.8368% | 853 |
| Retained earnings to average equity (ytd only) | 3.7882% | 3,956 |
| Net charge-offs to loans | 0.3668% | 1,091 |
| Credit loss provision to net charge-offs | 52.6316% | 3,064 |
| Earnings coverage of net charge-offs (x) | 14.6828% | 2,125 |
| Efficiency ratio | 43.5223% | 6,379 |
| Assets per employee ($millions) | 2.7193% | 6,064 |
| Cash dividends to net income (ytd only)* | 74.4676% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 3,420 |
| Loan loss allowance to noncurrent loans | 42.0935% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 3.7264% | 555 |
| Noncurrent loans to loans | 3.1948% | 794 |
| Net loans and leases to total assets | 84.9779% | 262 |
| Net loans and leases to deposits | 124.1827% | 70 |
| Net loans and leases to core deposits | 124.1827% | 308 |
| Total domestic deposits to total assets | 68.4298% | 6,337 |
| Equity capital to assets | 28.5977% | 74 |
| Core capital (leverage) ratio | 28.7652% | 65 |
| Tier 1 risk-based capital ratio | 34.9565% | 354 |
| Total risk-based capital ratio | 36.2077% | 350 |
| Memoranda: | ||
| Average total assets | $16,424,000 | 6,531 |
| Average earning assets | $15,439,750 | 6,509 |
| Average equity | $4,646,000 | 6,003 |
| Average total loans | $13,815,750 | 6,268 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1299% | 64 |
| Cost of funding earning assets | 0.4270% | 3,580 |
| Net interest margin | 6.7029% | 55 |
| Noninterest income to average assets | 1.7011% | 445 |
| Noninterest expense to average assets | 3.4265% | 1,622 |
| Loan and lease loss provision to assets | 0.2430% | 916 |
| Net operating income to assets | 4.1677% | 56 |
| Return on assets (ROA) | 4.1677% | 57 |
| Pretax return on assets | 4.3256% | 71 |
| Return on Equity (ROE) | 14.7866% | 827 |
| Retained earnings to average equity (ytd only) | 6.1647% | 2,226 |
| Net charge-offs to loans | 0.5242% | 776 |
| Credit loss provision to net charge-offs | 55.5556% | 2,705 |
| Earnings coverage of net charge-offs (x) | 10.4444% | 2,248 |
| Efficiency ratio | 42.8571% | 6,456 |
| Assets per employee ($millions) | 2.6947% | 6,140 |
| Cash dividends to net income (ytd only)* | 58.3090% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,996 |
| Loan loss allowance to noncurrent loans | 32.5939% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 4.5151% | 434 |
| Noncurrent loans to loans | 4.5388% | 482 |
| Net loans and leases to total assets | 78.6739% | 830 |
| Net loans and leases to deposits | 113.1572% | 146 |
| Net loans and leases to core deposits | 113.1572% | 565 |
| Total domestic deposits to total assets | 69.5262% | 6,370 |
| Equity capital to assets | 28.9275% | 67 |
| Core capital (leverage) ratio | 28.6616% | 66 |
| Tier 1 risk-based capital ratio | 38.2733% | 275 |
| Total risk-based capital ratio | 39.5336% | 273 |
| Memoranda: | ||
| Average total assets | $16,460,000 | 6,597 |
| Average earning assets | $15,456,000 | 6,573 |
| Average equity | $4,639,330 | 6,047 |
| Average total loans | $13,736,330 | 6,329 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1429% | 61 |
| Cost of funding earning assets | 0.4368% | 3,576 |
| Net interest margin | 6.7061% | 58 |
| Noninterest income to average assets | 1.4693% | 540 |
| Noninterest expense to average assets | 3.4686% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 4.1672% | 60 |
| Return on assets (ROA) | 4.1672% | 62 |
| Pretax return on assets | 4.2876% | 79 |
| Return on Equity (ROE) | 14.9767% | 775 |
| Retained earnings to average equity (ytd only) | 14.9767% | 317 |
| Net charge-offs to loans | -0.0283% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7205% | 6,470 |
| Assets per employee ($millions) | 2.7340% | 6,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,004 |
| Loan loss allowance to noncurrent loans | 55.9140% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 3.3467% | 788 |
| Noncurrent loans to loans | 2.7430% | 1,226 |
| Net loans and leases to total assets | 81.4070% | 408 |
| Net loans and leases to deposits | 117.1506% | 90 |
| Net loans and leases to core deposits | 117.1506% | 379 |
| Total domestic deposits to total assets | 69.4891% | 6,466 |
| Equity capital to assets | 28.6942% | 73 |
| Core capital (leverage) ratio | 28.1587% | 72 |
| Tier 1 risk-based capital ratio | 36.4714% | 303 |
| Total risk-based capital ratio | 37.7266% | 298 |
| Memoranda: | ||
| Average total assets | $16,606,000 | 6,670 |
| Average earning assets | $15,568,000 | 6,644 |
| Average equity | $4,620,500 | 6,090 |
| Average total loans | $14,149,000 | 6,374 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6735% | 54 |
| Cost of funding earning assets | 0.4887% | 3,728 |
| Net interest margin | 7.1848% | 48 |
| Noninterest income to average assets | 1.5806% | 573 |
| Noninterest expense to average assets | 3.4723% | 1,720 |
| Loan and lease loss provision to assets | 0.0311% | 4,493 |
| Net operating income to assets | 4.6608% | 51 |
| Return on assets (ROA) | 4.6608% | 50 |
| Pretax return on assets | 4.8475% | 57 |
| Return on Equity (ROE) | 16.4608% | 567 |
| Retained earnings to average equity (ytd only) | 1.9560% | 4,841 |
| Net charge-offs to loans | 0.1114% | 3,712 |
| Credit loss provision to net charge-offs | 31.2500% | 4,226 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 808 |
| Efficiency ratio | 41.5797% | 6,659 |
| Assets per employee ($millions) | 2.8013% | 6,110 |
| Cash dividends to net income (ytd only)* | 88.1175% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 3,635 |
| Loan loss allowance to noncurrent loans | 64.4860% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.9688% | 1,071 |
| Noncurrent loans to loans | 2.1783% | 1,796 |
| Net loans and leases to total assets | 86.4410% | 134 |
| Net loans and leases to deposits | 130.5391% | 34 |
| Net loans and leases to core deposits | 130.5391% | 190 |
| Total domestic deposits to total assets | 66.2185% | 6,628 |
| Equity capital to assets | 26.9752% | 78 |
| Core capital (leverage) ratio | 27.7734% | 68 |
| Tier 1 risk-based capital ratio | 33.6550% | 377 |
| Total risk-based capital ratio | 34.9094% | 367 |
| Memoranda: | ||
| Average total assets | $16,070,200 | 6,753 |
| Average earning assets | $15,143,000 | 6,733 |
| Average equity | $4,550,200 | 6,185 |
| Average total loans | $14,359,600 | 6,441 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7421% | 53 |
| Cost of funding earning assets | 0.5067% | 3,704 |
| Net interest margin | 7.2355% | 47 |
| Noninterest income to average assets | 1.5527% | 610 |
| Noninterest expense to average assets | 3.4915% | 1,628 |
| Loan and lease loss provision to assets | 0.0420% | 4,172 |
| Net operating income to assets | 4.6665% | 45 |
| Return on assets (ROA) | 4.6665% | 46 |
| Pretax return on assets | 4.8511% | 57 |
| Return on Equity (ROE) | 16.2773% | 614 |
| Retained earnings to average equity (ytd only) | 4.2742% | 3,636 |
| Net charge-offs to loans | 0.1589% | 2,962 |
| Credit loss provision to net charge-offs | 29.4118% | 3,907 |
| Earnings coverage of net charge-offs (x) | 34.2880% | 1,119 |
| Efficiency ratio | 41.6416% | 6,718 |
| Assets per employee ($millions) | 3.1286% | 5,623 |
| Cash dividends to net income (ytd only)* | 73.7411% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,413 |
| Loan loss allowance to noncurrent loans | 55.2279% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 3.4265% | 995 |
| Noncurrent loans to loans | 2.7348% | 1,541 |
| Net loans and leases to total assets | 85.8723% | 156 |
| Net loans and leases to deposits | 124.4142% | 52 |
| Net loans and leases to core deposits | 124.4142% | 257 |
| Total domestic deposits to total assets | 69.0213% | 6,633 |
| Equity capital to assets | 29.3486% | 65 |
| Core capital (leverage) ratio | 29.0790% | 64 |
| Tier 1 risk-based capital ratio | 37.3617% | 276 |
| Total risk-based capital ratio | 38.6963% | 274 |
| Memoranda: | ||
| Average total assets | $15,885,750 | 6,832 |
| Average earning assets | $14,999,750 | 6,814 |
| Average equity | $4,554,250 | 6,268 |
| Average total loans | $14,265,500 | 6,512 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7132% | 52 |
| Cost of funding earning assets | 0.5169% | 3,734 |
| Net interest margin | 7.1963% | 48 |
| Noninterest income to average assets | 1.4656% | 735 |
| Noninterest expense to average assets | 3.7578% | 1,158 |
| Loan and lease loss provision to assets | 0.0626% | 3,757 |
| Net operating income to assets | 4.3090% | 52 |
| Return on assets (ROA) | 4.3090% | 54 |
| Pretax return on assets | 4.4468% | 68 |
| Return on Equity (ROE) | 15.1475% | 785 |
| Retained earnings to average equity (ytd only) | 5.2400% | 2,897 |
| Net charge-offs to loans | 0.0967% | 3,391 |
| Credit loss provision to net charge-offs | 71.4286% | 2,789 |
| Earnings coverage of net charge-offs (x) | 51.4286% | 788 |
| Efficiency ratio | 45.4545% | 6,664 |
| Assets per employee ($millions) | 2.2421% | 6,662 |
| Cash dividends to net income (ytd only)* | 65.4070% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,427 |
| Loan loss allowance to noncurrent loans | 88.5246% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.5804% | 1,628 |
| Noncurrent loans to loans | 1.7325% | 2,723 |
| Net loans and leases to total assets | 88.3594% | 78 |
| Net loans and leases to deposits | 130.3383% | 41 |
| Net loans and leases to core deposits | 130.3383% | 186 |
| Total domestic deposits to total assets | 67.7923% | 6,723 |
| Equity capital to assets | 29.0730% | 64 |
| Core capital (leverage) ratio | 27.8469% | 65 |
| Tier 1 risk-based capital ratio | 35.8220% | 313 |
| Total risk-based capital ratio | 37.1487% | 301 |
| Memoranda: | ||
| Average total assets | $15,966,670 | 6,878 |
| Average earning assets | $15,091,000 | 6,862 |
| Average equity | $4,542,000 | 6,326 |
| Average total loans | $14,474,330 | 6,545 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4661% | 52 |
| Cost of funding earning assets | 0.4977% | 4,112 |
| Net interest margin | 6.9684% | 47 |
| Noninterest income to average assets | 1.5153% | 675 |
| Noninterest expense to average assets | 3.7510% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.2975% | 50 |
| Return on assets (ROA) | 4.2975% | 53 |
| Pretax return on assets | 4.3720% | 72 |
| Return on Equity (ROE) | 15.2709% | 701 |
| Retained earnings to average equity (ytd only) | 15.2709% | 327 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1774% | 6,686 |
| Assets per employee ($millions) | 2.3994% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,051 |
| Loan loss allowance to noncurrent loans | 80.7407% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 2.2327% | 2,089 |
| Noncurrent loans to loans | 1.7836% | 2,887 |
| Net loans and leases to total assets | 88.8307% | 55 |
| Net loans and leases to deposits | 142.0817% | 26 |
| Net loans and leases to core deposits | 142.0817% | 119 |
| Total domestic deposits to total assets | 62.5208% | 6,889 |
| Equity capital to assets | 27.4946% | 74 |
| Core capital (leverage) ratio | 28.9077% | 64 |
| Tier 1 risk-based capital ratio | 33.3936% | 396 |
| Total risk-based capital ratio | 34.7169% | 391 |
| Memoranda: | ||
| Average total assets | $16,102,500 | 6,951 |
| Average earning assets | $15,269,000 | 6,931 |
| Average equity | $4,531,500 | 6,386 |
| Average total loans | $14,669,500 | 6,597 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7991% | 52 |
| Cost of funding earning assets | 0.5064% | 5,171 |
| Net interest margin | 7.2928% | 48 |
| Noninterest income to average assets | 1.2978% | 911 |
| Noninterest expense to average assets | 3.5705% | 1,680 |
| Loan and lease loss provision to assets | 0.1242% | 4,061 |
| Net operating income to assets | 4.3033% | 54 |
| Return on assets (ROA) | 4.3033% | 55 |
| Pretax return on assets | 4.4896% | 62 |
| Return on Equity (ROE) | 15.6095% | 720 |
| Retained earnings to average equity (ytd only) | 2.6579% | 4,362 |
| Net charge-offs to loans | 0.3244% | 3,026 |
| Credit loss provision to net charge-offs | 42.5532% | 4,882 |
| Earnings coverage of net charge-offs (x) | 15.8085% | 1,629 |
| Efficiency ratio | 43.6267% | 6,859 |
| Assets per employee ($millions) | 2.2013% | 6,836 |
| Cash dividends to net income (ytd only)* | 82.9726% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 3,594 |
| Loan loss allowance to noncurrent loans | 60.0551% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 3.0567% | 1,545 |
| Noncurrent loans to loans | 2.5562% | 2,067 |
| Net loans and leases to total assets | 90.7457% | 32 |
| Net loans and leases to deposits | 137.4791% | 33 |
| Net loans and leases to core deposits | 137.4791% | 140 |
| Total domestic deposits to total assets | 66.0069% | 6,898 |
| Equity capital to assets | 28.8468% | 68 |
| Core capital (leverage) ratio | 26.9737% | 74 |
| Tier 1 risk-based capital ratio | 34.6778% | 348 |
| Total risk-based capital ratio | 36.0041% | 344 |
| Memoranda: | ||
| Average total assets | $16,104,000 | 7,006 |
| Average earning assets | $15,206,800 | 6,987 |
| Average equity | $4,439,600 | 6,458 |
| Average total loans | $14,490,200 | 6,682 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7071% | 55 |
| Cost of funding earning assets | 0.5034% | 5,414 |
| Net interest margin | 7.2037% | 48 |
| Noninterest income to average assets | 1.0239% | 1,444 |
| Noninterest expense to average assets | 3.4811% | 1,802 |
| Loan and lease loss provision to assets | 0.1638% | 3,471 |
| Net operating income to assets | 4.0053% | 62 |
| Return on assets (ROA) | 4.0053% | 64 |
| Pretax return on assets | 4.1774% | 75 |
| Return on Equity (ROE) | 14.6900% | 957 |
| Retained earnings to average equity (ytd only) | 4.1757% | 3,960 |
| Net charge-offs to loans | 0.4304% | 2,376 |
| Credit loss provision to net charge-offs | 42.5532% | 4,563 |
| Earnings coverage of net charge-offs (x) | 11.2757% | 2,089 |
| Efficiency ratio | 44.5026% | 6,882 |
| Assets per employee ($millions) | 2.3550% | 6,822 |
| Cash dividends to net income (ytd only)* | 71.5758% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 4,211 |
| Loan loss allowance to noncurrent loans | 88.2591% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.1656% | 2,472 |
| Noncurrent loans to loans | 1.6274% | 3,355 |
| Net loans and leases to total assets | 90.7492% | 38 |
| Net loans and leases to deposits | 145.2286% | 24 |
| Net loans and leases to core deposits | 145.2286% | 124 |
| Total domestic deposits to total assets | 62.4871% | 7,039 |
| Equity capital to assets | 27.0913% | 83 |
| Core capital (leverage) ratio | 27.4594% | 71 |
| Tier 1 risk-based capital ratio | 32.0373% | 445 |
| Total risk-based capital ratio | 33.3572% | 431 |
| Memoranda: | ||
| Average total assets | $16,277,750 | 7,100 |
| Average earning assets | $15,362,000 | 7,081 |
| Average equity | $4,438,250 | 6,529 |
| Average total loans | $14,562,500 | 6,768 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6742% | 58 |
| Cost of funding earning assets | 0.5107% | 5,548 |
| Net interest margin | 7.1634% | 48 |
| Noninterest income to average assets | 1.0118% | 1,434 |
| Noninterest expense to average assets | 3.5290% | 1,726 |
| Loan and lease loss provision to assets | 0.2468% | 2,593 |
| Net operating income to assets | 3.8251% | 68 |
| Return on assets (ROA) | 3.8251% | 67 |
| Pretax return on assets | 3.9855% | 83 |
| Return on Equity (ROE) | 13.9986% | 1,122 |
| Retained earnings to average equity (ytd only) | 6.0962% | 2,660 |
| Net charge-offs to loans | 0.6826% | 1,626 |
| Credit loss provision to net charge-offs | 40.8163% | 4,242 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,536 |
| Efficiency ratio | 45.4690% | 6,908 |
| Assets per employee ($millions) | 2.2194% | 6,961 |
| Cash dividends to net income (ytd only)* | 56.4516% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 3,647 |
| Loan loss allowance to noncurrent loans | 125.5814% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 2.4266% | 2,304 |
| Noncurrent loans to loans | 1.2642% | 4,023 |
| Net loans and leases to total assets | 86.1805% | 132 |
| Net loans and leases to deposits | 125.7655% | 50 |
| Net loans and leases to core deposits | 128.7775% | 221 |
| Total domestic deposits to total assets | 68.5247% | 6,975 |
| Equity capital to assets | 28.7204% | 72 |
| Core capital (leverage) ratio | 28.2226% | 70 |
| Tier 1 risk-based capital ratio | 35.4127% | 333 |
| Total risk-based capital ratio | 36.7460% | 325 |
| Memoranda: | ||
| Average total assets | $16,208,670 | 7,163 |
| Average earning assets | $15,272,000 | 7,144 |
| Average equity | $4,429,000 | 6,563 |
| Average total loans | $14,357,330 | 6,830 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5192% | 67 |
| Cost of funding earning assets | 0.5115% | 5,741 |
| Net interest margin | 7.0077% | 57 |
| Noninterest income to average assets | 1.2088% | 982 |
| Noninterest expense to average assets | 3.5298% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 4.1342% | 61 |
| Return on assets (ROA) | 4.1342% | 67 |
| Pretax return on assets | 4.3034% | 73 |
| Return on Equity (ROE) | 15.5014% | 886 |
| Retained earnings to average equity (ytd only) | 15.5014% | 404 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0617% | 6,946 |
| Assets per employee ($millions) | 2.3366% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 3,360 |
| Loan loss allowance to noncurrent loans | 100.4098% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 2.8430% | 2,056 |
| Noncurrent loans to loans | 1.6910% | 3,572 |
| Net loans and leases to total assets | 86.7205% | 100 |
| Net loans and leases to deposits | 133.8745% | 37 |
| Net loans and leases to core deposits | 142.3239% | 135 |
| Total domestic deposits to total assets | 64.7775% | 7,131 |
| Equity capital to assets | 27.5006% | 72 |
| Core capital (leverage) ratio | 26.8617% | 75 |
| Tier 1 risk-based capital ratio | 31.6671% | 448 |
| Total risk-based capital ratio | 32.9344% | 442 |
| Memoranda: | ||
| Average total assets | $16,545,000 | 7,222 |
| Average earning assets | $15,640,000 | 7,202 |
| Average equity | $4,412,500 | 6,606 |
| Average total loans | $14,733,500 | 6,878 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6268% | 64 |
| Cost of funding earning assets | 0.5857% | 6,157 |
| Net interest margin | 7.0411% | 50 |
| Noninterest income to average assets | 1.3608% | 697 |
| Noninterest expense to average assets | 3.6598% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 4.1755% | 50 |
| Return on assets (ROA) | 4.1755% | 51 |
| Pretax return on assets | 4.3495% | 68 |
| Return on Equity (ROE) | 15.6315% | 661 |
| Retained earnings to average equity (ytd only) | 4.0009% | 3,344 |
| Net charge-offs to loans | -0.0561% | 7,070 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6943% | 7,063 |
| Assets per employee ($millions) | 2.3906% | 6,925 |
| Cash dividends to net income (ytd only)* | 74.4048% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,466 |
| Loan loss allowance to noncurrent loans | 90.4059% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 2.6832% | 2,269 |
| Noncurrent loans to loans | 1.8021% | 3,466 |
| Net loans and leases to total assets | 88.4009% | 70 |
| Net loans and leases to deposits | 146.4363% | 32 |
| Net loans and leases to core deposits | 152.1600% | 130 |
| Total domestic deposits to total assets | 60.3681% | 7,220 |
| Equity capital to assets | 25.8575% | 93 |
| Core capital (leverage) ratio | 26.4665% | 88 |
| Tier 1 risk-based capital ratio | 30.9646% | 470 |
| Total risk-based capital ratio | 32.2885% | 459 |
| Memoranda: | ||
| Average total assets | $16,093,800 | 7,271 |
| Average earning assets | $15,196,400 | 7,247 |
| Average equity | $4,299,000 | 6,654 |
| Average total loans | $14,264,000 | 6,940 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5968% | 64 |
| Cost of funding earning assets | 0.5939% | 6,310 |
| Net interest margin | 7.0029% | 49 |
| Noninterest income to average assets | 1.3723% | 692 |
| Noninterest expense to average assets | 3.6567% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 4.1588% | 56 |
| Return on assets (ROA) | 4.1588% | 58 |
| Pretax return on assets | 4.3262% | 72 |
| Return on Equity (ROE) | 15.4392% | 756 |
| Retained earnings to average equity (ytd only) | 6.1198% | 2,481 |
| Net charge-offs to loans | -0.0569% | 7,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8071% | 7,070 |
| Assets per employee ($millions) | 2.2183% | 7,136 |
| Cash dividends to net income (ytd only)* | 60.3622% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 3,165 |
| Loan loss allowance to noncurrent loans | 89.3382% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 2.9238% | 2,205 |
| Noncurrent loans to loans | 1.9375% | 3,448 |
| Net loans and leases to total assets | 88.8460% | 57 |
| Net loans and leases to deposits | 149.8588% | 27 |
| Net loans and leases to core deposits | 155.7462% | 123 |
| Total domestic deposits to total assets | 59.2865% | 7,311 |
| Equity capital to assets | 28.0268% | 91 |
| Core capital (leverage) ratio | 28.6015% | 85 |
| Tier 1 risk-based capital ratio | 33.6062% | 399 |
| Total risk-based capital ratio | 34.9344% | 386 |
| Memoranda: | ||
| Average total assets | $15,933,750 | 7,352 |
| Average earning assets | $15,041,000 | 7,325 |
| Average equity | $4,292,000 | 6,712 |
| Average total loans | $14,070,500 | 7,016 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4465% | 73 |
| Cost of funding earning assets | 0.5931% | 6,496 |
| Net interest margin | 6.8534% | 55 |
| Noninterest income to average assets | 1.3691% | 680 |
| Noninterest expense to average assets | 3.5472% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 4.1322% | 62 |
| Return on assets (ROA) | 4.1322% | 62 |
| Pretax return on assets | 4.2940% | 85 |
| Return on Equity (ROE) | 15.5431% | 714 |
| Retained earnings to average equity (ytd only) | 8.5206% | 1,261 |
| Net charge-offs to loans | -0.0568% | 7,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2381% | 7,192 |
| Assets per employee ($millions) | 2.1441% | 7,215 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 2,892 |
| Loan loss allowance to noncurrent loans | 96.0159% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 2.9116% | 2,306 |
| Noncurrent loans to loans | 1.9066% | 3,599 |
| Net loans and leases to total assets | 86.1083% | 133 |
| Net loans and leases to deposits | 138.4912% | 41 |
| Net loans and leases to core deposits | 152.4776% | 137 |
| Total domestic deposits to total assets | 62.1760% | 7,348 |
| Equity capital to assets | 28.8960% | 88 |
| Core capital (leverage) ratio | 28.5216% | 90 |
| Tier 1 risk-based capital ratio | 35.2602% | 337 |
| Total risk-based capital ratio | 36.5935% | 331 |
| Memoranda: | ||
| Average total assets | $16,069,000 | 7,422 |
| Average earning assets | $15,175,000 | 7,397 |
| Average equity | $4,272,000 | 6,753 |
| Average total loans | $14,081,000 | 7,085 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3074% | 86 |
| Cost of funding earning assets | 0.6111% | 6,562 |
| Net interest margin | 6.6964% | 62 |
| Noninterest income to average assets | 1.1808% | 921 |
| Noninterest expense to average assets | 3.3255% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.0725% | 72 |
| Return on assets (ROA) | 4.0725% | 76 |
| Pretax return on assets | 4.1930% | 98 |
| Return on Equity (ROE) | 15.9453% | 683 |
| Retained earnings to average equity (ytd only) | 15.9453% | 325 |
| Net charge-offs to loans | 0.1651% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 847 |
| Efficiency ratio | 44.2308% | 7,275 |
| Assets per employee ($millions) | 2.2159% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,268 |
| Loan loss allowance to noncurrent loans | 121.5789% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 2.4112% | 2,822 |
| Noncurrent loans to loans | 1.4167% | 4,340 |
| Net loans and leases to total assets | 84.9720% | 177 |
| Net loans and leases to deposits | 136.8071% | 44 |
| Net loans and leases to core deposits | 162.7160% | 122 |
| Total domestic deposits to total assets | 62.1108% | 7,402 |
| Equity capital to assets | 27.8770% | 89 |
| Core capital (leverage) ratio | 26.3932% | 99 |
| Tier 1 risk-based capital ratio | 33.9590% | 377 |
| Total risk-based capital ratio | 35.2706% | 366 |
| Memoranda: | ||
| Average total assets | $16,599,000 | 7,471 |
| Average earning assets | $15,710,000 | 7,444 |
| Average equity | $4,239,500 | 6,794 |
| Average total loans | $14,539,000 | 7,115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3761% | 91 |
| Cost of funding earning assets | 0.5735% | 7,172 |
| Net interest margin | 6.8026% | 57 |
| Noninterest income to average assets | 1.3654% | 787 |
| Noninterest expense to average assets | 3.1300% | 3,346 |
| Loan and lease loss provision to assets | 0.1446% | 5,736 |
| Net operating income to assets | 4.3912% | 39 |
| Return on assets (ROA) | 4.3912% | 41 |
| Pretax return on assets | 4.5417% | 58 |
| Return on Equity (ROE) | 18.8337% | 323 |
| Retained earnings to average equity (ytd only) | 7.0471% | 1,299 |
| Net charge-offs to loans | 0.2266% | 4,929 |
| Credit loss provision to net charge-offs | 73.5294% | 5,774 |
| Earnings coverage of net charge-offs (x) | 23.8235% | 889 |
| Efficiency ratio | 40.0444% | 7,506 |
| Assets per employee ($millions) | 2.5267% | 6,970 |
| Cash dividends to net income (ytd only)* | 62.5823% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,937 |
| Loan loss allowance to noncurrent loans | 81.7241% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.6912% | 2,593 |
| Noncurrent loans to loans | 1.8510% | 3,752 |
| Net loans and leases to total assets | 87.2392% | 127 |
| Net loans and leases to deposits | 144.5433% | 40 |
| Net loans and leases to core deposits | 168.9293% | 122 |
| Total domestic deposits to total assets | 60.3551% | 7,500 |
| Equity capital to assets | 23.4918% | 148 |
| Core capital (leverage) ratio | 23.0156% | 149 |
| Tier 1 risk-based capital ratio | 27.6945% | 637 |
| Total risk-based capital ratio | 28.9942% | 616 |
| Memoranda: | ||
| Average total assets | $17,284,400 | 7,526 |
| Average earning assets | $16,390,800 | 7,492 |
| Average equity | $4,030,000 | 6,990 |
| Average total loans | $15,006,400 | 7,167 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3321% | 102 |
| Cost of funding earning assets | 0.5483% | 7,382 |
| Net interest margin | 6.7839% | 57 |
| Noninterest income to average assets | 1.4121% | 681 |
| Noninterest expense to average assets | 3.2278% | 2,824 |
| Loan and lease loss provision to assets | 0.1552% | 5,487 |
| Net operating income to assets | 4.3296% | 40 |
| Return on assets (ROA) | 4.3296% | 40 |
| Pretax return on assets | 4.4615% | 66 |
| Return on Equity (ROE) | 18.6053% | 424 |
| Retained earnings to average equity (ytd only) | 8.6024% | 1,203 |
| Net charge-offs to loans | 0.3593% | 3,865 |
| Credit loss provision to net charge-offs | 50.0000% | 5,877 |
| Earnings coverage of net charge-offs (x) | 14.8755% | 1,474 |
| Efficiency ratio | 41.1474% | 7,550 |
| Assets per employee ($millions) | 2.8632% | 6,460 |
| Cash dividends to net income (ytd only)* | 53.7635% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,922 |
| Loan loss allowance to noncurrent loans | 121.5054% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 2.0898% | 3,350 |
| Noncurrent loans to loans | 1.2410% | 4,774 |
| Net loans and leases to total assets | 85.9305% | 205 |
| Net loans and leases to deposits | 148.4364% | 38 |
| Net loans and leases to core deposits | 162.2733% | 142 |
| Total domestic deposits to total assets | 57.8904% | 7,619 |
| Equity capital to assets | 24.0352% | 144 |
| Core capital (leverage) ratio | 25.7227% | 118 |
| Tier 1 risk-based capital ratio | 28.7175% | 586 |
| Total risk-based capital ratio | 30.0181% | 570 |
| Memoranda: | ||
| Average total assets | $17,183,750 | 7,623 |
| Average earning assets | $16,293,250 | 7,583 |
| Average equity | $3,998,750 | 7,095 |
| Average total loans | $14,841,250 | 7,265 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3574% | 100 |
| Cost of funding earning assets | 0.5386% | 7,494 |
| Net interest margin | 6.8187% | 59 |
| Noninterest income to average assets | 1.2918% | 763 |
| Noninterest expense to average assets | 3.2935% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 4.3176% | 44 |
| Return on assets (ROA) | 4.3176% | 44 |
| Pretax return on assets | 4.4806% | 62 |
| Return on Equity (ROE) | 18.7595% | 408 |
| Retained earnings to average equity (ytd only) | 11.1748% | 616 |
| Net charge-offs to loans | 0.1352% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 751 |
| Efficiency ratio | 42.3653% | 7,571 |
| Assets per employee ($millions) | 2.9195% | 6,315 |
| Cash dividends to net income (ytd only)* | 40.4313% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 3,652 |
| Loan loss allowance to noncurrent loans | 83.0986% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.7345% | 2,650 |
| Noncurrent loans to loans | 1.8699% | 3,907 |
| Net loans and leases to total assets | 85.3571% | 267 |
| Net loans and leases to deposits | 152.2452% | 37 |
| Net loans and leases to core deposits | 166.7633% | 142 |
| Total domestic deposits to total assets | 56.0655% | 7,709 |
| Equity capital to assets | 23.3602% | 163 |
| Core capital (leverage) ratio | 23.4552% | 149 |
| Tier 1 risk-based capital ratio | 28.1779% | 614 |
| Total risk-based capital ratio | 29.4794% | 597 |
| Memoranda: | ||
| Average total assets | $17,185,330 | 7,687 |
| Average earning assets | $16,337,330 | 7,650 |
| Average equity | $3,955,330 | 7,139 |
| Average total loans | $14,792,330 | 7,325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4214% | 114 |
| Cost of funding earning assets | 0.5195% | 7,649 |
| Net interest margin | 6.9019% | 65 |
| Noninterest income to average assets | 1.1516% | 937 |
| Noninterest expense to average assets | 3.2433% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 4.2774% | 50 |
| Return on assets (ROA) | 4.2774% | 53 |
| Pretax return on assets | 4.4655% | 67 |
| Return on Equity (ROE) | 18.7291% | 458 |
| Retained earnings to average equity (ytd only) | 3.2930% | 4,169 |
| Net charge-offs to loans | 0.2193% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,045 |
| Efficiency ratio | 42.0732% | 7,678 |
| Assets per employee ($millions) | 2.8733% | 6,492 |
| Cash dividends to net income (ytd only)* | 82.4176% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,497 |
| Loan loss allowance to noncurrent loans | 53.9683% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 3.5673% | 1,967 |
| Noncurrent loans to loans | 2.9459% | 2,729 |
| Net loans and leases to total assets | 85.4524% | 251 |
| Net loans and leases to deposits | 146.4559% | 47 |
| Net loans and leases to core deposits | 152.9485% | 226 |
| Total domestic deposits to total assets | 58.3469% | 7,778 |
| Equity capital to assets | 22.6392% | 191 |
| Core capital (leverage) ratio | 22.9845% | 165 |
| Tier 1 risk-based capital ratio | 27.1872% | 694 |
| Total risk-based capital ratio | 28.4829% | 678 |
| Memoranda: | ||
| Average total assets | $17,019,500 | 7,794 |
| Average earning assets | $16,169,500 | 7,749 |
| Average equity | $3,887,000 | 7,221 |
| Average total loans | $14,594,500 | 7,424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8667% | 92 |
| Cost of funding earning assets | 0.6270% | 7,756 |
| Net interest margin | 7.2397% | 47 |
| Noninterest income to average assets | 1.5697% | 580 |
| Noninterest expense to average assets | 3.3907% | 2,708 |
| Loan and lease loss provision to assets | 2.3606% | 861 |
| Net operating income to assets | 2.5446% | 82 |
| Return on assets (ROA) | 2.5446% | 91 |
| Pretax return on assets | 2.6856% | 129 |
| Return on Equity (ROE) | 10.1269% | 1,655 |
| Retained earnings to average equity (ytd only) | -4.7096% | 5,985 |
| Net charge-offs to loans | 3.1209% | 659 |
| Credit loss provision to net charge-offs | 93.2203% | 5,884 |
| Earnings coverage of net charge-offs (x) | 1.9927% | 4,230 |
| Efficiency ratio | 40.1890% | 7,856 |
| Assets per employee ($millions) | 2.7998% | 6,660 |
| Cash dividends to net income (ytd only)* | 146.5060% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 2,787 |
| Loan loss allowance to noncurrent loans | 76.1610% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.9585% | 2,370 |
| Noncurrent loans to loans | 2.2716% | 3,316 |
| Net loans and leases to total assets | 83.1776% | 525 |
| Net loans and leases to deposits | 140.7150% | 59 |
| Net loans and leases to core deposits | 152.4106% | 455 |
| Total domestic deposits to total assets | 59.1107% | 7,818 |
| Equity capital to assets | 23.0430% | 203 |
| Core capital (leverage) ratio | 23.3235% | 187 |
| Tier 1 risk-based capital ratio | 28.5346% | 607 |
| Total risk-based capital ratio | 29.8393% | 591 |
| Memoranda: | ||
| Average total assets | $16,309,200 | 7,872 |
| Average earning assets | $15,470,200 | 7,832 |
| Average equity | $4,098,000 | 7,246 |
| Average total loans | $13,233,400 | 7,537 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6591% | 117 |
| Cost of funding earning assets | 0.6418% | 7,863 |
| Net interest margin | 7.0173% | 50 |
| Noninterest income to average assets | 1.6309% | 552 |
| Noninterest expense to average assets | 3.3771% | 2,643 |
| Loan and lease loss provision to assets | 0.9473% | 2,032 |
| Net operating income to assets | 3.8302% | 40 |
| Return on assets (ROA) | 3.8302% | 39 |
| Pretax return on assets | 3.9702% | 52 |
| Return on Equity (ROE) | 14.9222% | 782 |
| Retained earnings to average equity (ytd only) | 5.0383% | 2,467 |
| Net charge-offs to loans | 1.1498% | 1,760 |
| Credit loss provision to net charge-offs | 102.6786% | 4,952 |
| Earnings coverage of net charge-offs (x) | 5.3303% | 2,856 |
| Efficiency ratio | 40.7150% | 7,916 |
| Assets per employee ($millions) | 2.6987% | 6,854 |
| Cash dividends to net income (ytd only)* | 66.2376% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,437 |
| Loan loss allowance to noncurrent loans | 54.1016% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 4.2428% | 1,476 |
| Noncurrent loans to loans | 4.0545% | 1,809 |
| Net loans and leases to total assets | 76.2784% | 1,938 |
| Net loans and leases to deposits | 123.1283% | 153 |
| Net loans and leases to core deposits | 137.7998% | 1,023 |
| Total domestic deposits to total assets | 61.9503% | 7,820 |
| Equity capital to assets | 26.0684% | 163 |
| Core capital (leverage) ratio | 27.4554% | 144 |
| Tier 1 risk-based capital ratio | 34.6979% | 390 |
| Total risk-based capital ratio | 35.9885% | 383 |
| Memoranda: | ||
| Average total assets | $16,186,750 | 7,953 |
| Average earning assets | $15,371,250 | 7,916 |
| Average equity | $4,154,750 | 7,301 |
| Average total loans | $12,987,000 | 7,623 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6915% | 123 |
| Cost of funding earning assets | 0.6767% | 7,940 |
| Net interest margin | 7.0147% | 53 |
| Noninterest income to average assets | 1.4334% | 734 |
| Noninterest expense to average assets | 3.3117% | 2,910 |
| Loan and lease loss provision to assets | 0.4943% | 3,067 |
| Net operating income to assets | 4.1396% | 34 |
| Return on assets (ROA) | 4.1396% | 35 |
| Pretax return on assets | 4.2879% | 46 |
| Return on Equity (ROE) | 16.2123% | 668 |
| Retained earnings to average equity (ytd only) | 8.5659% | 1,052 |
| Net charge-offs to loans | 0.1679% | 4,545 |
| Credit loss provision to net charge-offs | 363.6364% | 1,272 |
| Earnings coverage of net charge-offs (x) | 35.1818% | 895 |
| Efficiency ratio | 40.9160% | 8,002 |
| Assets per employee ($millions) | 2.4998% | 7,250 |
| Cash dividends to net income (ytd only)* | 47.1642% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7275% | 724 |
| Loan loss allowance to noncurrent loans | 85.8357% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 3.5202% | 1,764 |
| Noncurrent loans to loans | 3.1776% | 2,248 |
| Net loans and leases to total assets | 72.0448% | 3,213 |
| Net loans and leases to deposits | 103.2190% | 972 |
| Net loans and leases to core deposits | 118.8648% | 2,469 |
| Total domestic deposits to total assets | 69.7980% | 7,494 |
| Equity capital to assets | 28.2752% | 157 |
| Core capital (leverage) ratio | 26.8265% | 177 |
| Tier 1 risk-based capital ratio | 41.0115% | 284 |
| Total risk-based capital ratio | 42.3460% | 275 |
| Memoranda: | ||
| Average total assets | $16,185,000 | 8,039 |
| Average earning assets | $15,367,670 | 7,995 |
| Average equity | $4,132,670 | 7,365 |
| Average total loans | $13,106,670 | 7,693 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7984% | 116 |
| Cost of funding earning assets | 0.7021% | 7,991 |
| Net interest margin | 7.0963% | 52 |
| Noninterest income to average assets | 1.2397% | 933 |
| Noninterest expense to average assets | 3.2185% | 2,901 |
| Loan and lease loss provision to assets | 0.1192% | 5,437 |
| Net operating income to assets | 4.4582% | 30 |
| Return on assets (ROA) | 4.4582% | 35 |
| Pretax return on assets | 4.6489% | 48 |
| Return on Equity (ROE) | 18.3401% | 569 |
| Retained earnings to average equity (ytd only) | 2.8442% | 4,290 |
| Net charge-offs to loans | 0.0567% | 4,674 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 433 |
| Efficiency ratio | 40.2985% | 8,045 |
| Assets per employee ($millions) | 2.7433% | 6,781 |
| Cash dividends to net income (ytd only)* | 84.4920% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 1,470 |
| Loan loss allowance to noncurrent loans | 142.0513% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 2.2539% | 2,545 |
| Noncurrent loans to loans | 1.3911% | 4,226 |
| Net loans and leases to total assets | 83.4812% | 774 |
| Net loans and leases to deposits | 131.6440% | 136 |
| Net loans and leases to core deposits | 164.3857% | 430 |
| Total domestic deposits to total assets | 63.4143% | 7,869 |
| Equity capital to assets | 24.8663% | 224 |
| Core capital (leverage) ratio | 24.2132% | 250 |
| Tier 1 risk-based capital ratio | 31.8521% | 538 |
| Total risk-based capital ratio | 33.1829% | 524 |
| Memoranda: | ||
| Average total assets | $16,778,000 | 8,069 |
| Average earning assets | $15,952,000 | 8,025 |
| Average equity | $4,078,500 | 7,428 |
| Average total loans | $14,105,500 | 7,682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7557% | 84 |
| Cost of funding earning assets | 0.9752% | 8,067 |
| Net interest margin | 7.7805% | 39 |
| Noninterest income to average assets | 1.8435% | 400 |
| Noninterest expense to average assets | 3.6870% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 5.2917% | 33 |
| Return on assets (ROA) | 5.2917% | 35 |
| Pretax return on assets | 5.5105% | 43 |
| Return on Equity (ROE) | 19.8419% | 390 |
| Retained earnings to average equity (ytd only) | 4.9232% | 2,074 |
| Net charge-offs to loans | -0.0081% | 7,831 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0865% | 8,131 |
| Assets per employee ($millions) | 2.8493% | 6,449 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 1,359 |
| Loan loss allowance to noncurrent loans | 152.2222% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.8893% | 2,602 |
| Noncurrent loans to loans | 1.2682% | 3,972 |
| Net loans and leases to total assets | 81.4167% | 1,336 |
| Net loans and leases to deposits | 137.9348% | 120 |
| Net loans and leases to core deposits | 169.7025% | 406 |
| Total domestic deposits to total assets | 59.0255% | 7,992 |
| Equity capital to assets | 23.7716% | 293 |
| Core capital (leverage) ratio | 25.6695% | 251 |
| Tier 1 risk-based capital ratio | 30.8908% | 596 |
| Total risk-based capital ratio | 32.2210% | 585 |
| Memoranda: | ||
| Average total assets | $15,080,200 | 8,159 |
| Average earning assets | $14,253,600 | 8,128 |
| Average equity | $4,021,800 | 7,505 |
| Average total loans | $12,306,800 | 7,815 |