Home > The First State Bank of Dongola > Performance and Condition Ratios
The First State Bank of Dongola, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 2,677 |
| Cost of funding earning assets | 0.8583% | 3,597 |
| Net interest margin | 3.8452% | 1,479 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.6256% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7806% | 2,933 |
| Return on assets (ROA) | 0.7806% | 2,914 |
| Pretax return on assets | 0.8068% | 3,198 |
| Return on Equity (ROE) | 8.0200% | 3,019 |
| Retained earnings to average equity (ytd only) | -1.7786% | 4,255 |
| Net charge-offs to loans | 0.0621% | 1,230 |
| Credit loss provision to net charge-offs | -33.3333% | 4,448 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,679 |
| Efficiency ratio | 81.7981% | 789 |
| Assets per employee ($millions) | 3.8540% | 4,210 |
| Cash dividends to net income (ytd only)* | 122.1757% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,049 |
| Loan loss allowance to noncurrent loans | 750.0000% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,027 |
| Noncurrent loans to loans | 0.1660% | 2,688 |
| Net loans and leases to total assets | 46.3100% | 3,802 |
| Net loans and leases to deposits | 51.4078% | 3,898 |
| Net loans and leases to core deposits | 52.3694% | 4,023 |
| Total domestic deposits to total assets | 90.0800% | 737 |
| Equity capital to assets | 9.2826% | 2,493 |
| Core capital (leverage) ratio | 10.3639% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8533% | 548 |
| Memoranda: | ||
| Average total assets | $30,615,600 | 4,461 |
| Average earning assets | $28,893,400 | 4,423 |
| Average equity | $2,979,800 | 4,432 |
| Average total loans | $14,496,600 | 4,359 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 2,503 |
| Cost of funding earning assets | 0.7931% | 3,535 |
| Net interest margin | 3.8914% | 1,422 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 3.5338% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9467% | 2,524 |
| Return on assets (ROA) | 0.9467% | 2,512 |
| Pretax return on assets | 0.9729% | 2,924 |
| Return on Equity (ROE) | 9.6100% | 2,763 |
| Retained earnings to average equity (ytd only) | -3.2787% | 4,374 |
| Net charge-offs to loans | 0.0735% | 961 |
| Credit loss provision to net charge-offs | -37.5000% | 4,494 |
| Earnings coverage of net charge-offs (x) | 27.8750% | 1,632 |
| Efficiency ratio | 78.4124% | 978 |
| Assets per employee ($millions) | 3.7791% | 4,251 |
| Cash dividends to net income (ytd only)* | 134.1014% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,177 |
| Loan loss allowance to noncurrent loans | 724.0000% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 3,037 |
| Noncurrent loans to loans | 0.1710% | 2,681 |
| Net loans and leases to total assets | 47.7700% | 3,752 |
| Net loans and leases to deposits | 53.2500% | 3,824 |
| Net loans and leases to core deposits | 54.2582% | 3,914 |
| Total domestic deposits to total assets | 89.7100% | 1,017 |
| Equity capital to assets | 9.5988% | 2,042 |
| Core capital (leverage) ratio | 10.2546% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8071% | 567 |
| Memoranda: | ||
| Average total assets | $30,561,500 | 4,483 |
| Average earning assets | $28,746,250 | 4,449 |
| Average equity | $3,009,250 | 4,444 |
| Average total loans | $14,506,250 | 4,378 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 2,429 |
| Cost of funding earning assets | 0.6985% | 3,491 |
| Net interest margin | 3.8939% | 1,439 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 3.4886% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0890% | 2,153 |
| Return on assets (ROA) | 1.0890% | 2,144 |
| Pretax return on assets | 1.1085% | 2,622 |
| Return on Equity (ROE) | 10.9700% | 2,428 |
| Retained earnings to average equity (ytd only) | 4.3350% | 3,118 |
| Net charge-offs to loans | -0.0415% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.8865% | 1,182 |
| Assets per employee ($millions) | 3.9621% | 4,196 |
| Cash dividends to net income (ytd only)* | 60.4790% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,781 |
| Loan loss allowance to noncurrent loans | 834.7826% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,045 |
| Noncurrent loans to loans | 0.1599% | 2,677 |
| Net loans and leases to total assets | 44.7800% | 3,851 |
| Net loans and leases to deposits | 50.0511% | 3,914 |
| Net loans and leases to core deposits | 50.9477% | 3,992 |
| Total domestic deposits to total assets | 89.4600% | 1,092 |
| Equity capital to assets | 9.7580% | 1,995 |
| Core capital (leverage) ratio | 10.5537% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7378% | 577 |
| Memoranda: | ||
| Average total assets | $30,671,000 | 4,509 |
| Average earning assets | $28,917,333 | 4,475 |
| Average equity | $3,045,000 | 4,467 |
| Average total loans | $14,467,000 | 4,400 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 2,385 |
| Cost of funding earning assets | 0.5361% | 3,572 |
| Net interest margin | 3.9362% | 1,395 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.4618% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9948% | 2,547 |
| Return on assets (ROA) | 0.9948% | 2,514 |
| Pretax return on assets | 0.9417% | 3,147 |
| Return on Equity (ROE) | 9.9300% | 2,806 |
| Retained earnings to average equity (ytd only) | -3.4426% | 4,263 |
| Net charge-offs to loans | -0.0551% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.6145% | 945 |
| Assets per employee ($millions) | 3.8431% | 4,315 |
| Cash dividends to net income (ytd only)* | 134.6667% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 1,739 |
| Loan loss allowance to noncurrent loans | 808.3333% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,016 |
| Noncurrent loans to loans | 0.1694% | 2,640 |
| Net loans and leases to total assets | 45.4600% | 3,801 |
| Net loans and leases to deposits | 50.6597% | 3,862 |
| Net loans and leases to core deposits | 51.5833% | 3,931 |
| Total domestic deposits to total assets | 89.7400% | 1,253 |
| Equity capital to assets | 9.8455% | 1,905 |
| Core capital (leverage) ratio | 10.5122% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8219% | 512 |
| Memoranda: | ||
| Average total assets | $30,158,000 | 4,572 |
| Average earning assets | $28,352,000 | 4,545 |
| Average equity | $3,021,000 | 4,535 |
| Average total loans | $14,508,000 | 4,461 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 1,856 |
| Cost of funding earning assets | 0.3401% | 2,554 |
| Net interest margin | 3.6099% | 1,619 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.3177% | 610 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7109% | 3,586 |
| Return on assets (ROA) | 0.7171% | 3,517 |
| Pretax return on assets | 0.7666% | 3,702 |
| Return on Equity (ROE) | 7.2400% | 3,578 |
| Retained earnings to average equity (ytd only) | 5.3074% | 2,921 |
| Net charge-offs to loans | 0.0711% | 932 |
| Credit loss provision to net charge-offs | 45.4545% | 1,839 |
| Earnings coverage of net charge-offs (x) | 21.3636% | 1,859 |
| Efficiency ratio | 81.0331% | 650 |
| Assets per employee ($millions) | 3.6964% | 4,384 |
| Cash dividends to net income (ytd only)* | 26.7281% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 1,933 |
| Loan loss allowance to noncurrent loans | 800.0000% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 2,990 |
| Noncurrent loans to loans | 0.1617% | 2,682 |
| Net loans and leases to total assets | 49.5500% | 3,537 |
| Net loans and leases to deposits | 55.6492% | 3,597 |
| Net loans and leases to core deposits | 55.6492% | 3,737 |
| Total domestic deposits to total assets | 89.0400% | 1,705 |
| Equity capital to assets | 10.1958% | 1,613 |
| Core capital (leverage) ratio | 11.0099% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3213% | 529 |
| Memoranda: | ||
| Average total assets | $30,262,000 | 4,608 |
| Average earning assets | $28,227,800 | 4,577 |
| Average equity | $2,995,800 | 4,611 |
| Average total loans | $15,471,200 | 4,474 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 1,646 |
| Cost of funding earning assets | 0.3253% | 1,909 |
| Net interest margin | 3.5123% | 1,631 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 3.2199% | 670 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7102% | 3,538 |
| Return on assets (ROA) | 0.7185% | 3,463 |
| Pretax return on assets | 0.7666% | 3,662 |
| Return on Equity (ROE) | 7.3100% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.7697% | 3,172 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5038% | 744 |
| Assets per employee ($millions) | 4.1704% | 4,242 |
| Cash dividends to net income (ytd only)* | 34.7561% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 1,948 |
| Loan loss allowance to noncurrent loans | 812.0000% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 3,069 |
| Noncurrent loans to loans | 0.1624% | 2,791 |
| Net loans and leases to total assets | 52.0500% | 3,273 |
| Net loans and leases to deposits | 58.2168% | 3,325 |
| Net loans and leases to core deposits | 58.2168% | 3,486 |
| Total domestic deposits to total assets | 89.4000% | 1,920 |
| Equity capital to assets | 10.0367% | 1,602 |
| Core capital (leverage) ratio | 10.9414% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6504% | 669 |
| Memoranda: | ||
| Average total assets | $30,434,750 | 4,642 |
| Average earning assets | $28,281,000 | 4,611 |
| Average equity | $2,991,000 | 4,654 |
| Average total loans | $15,627,750 | 4,507 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 1,611 |
| Cost of funding earning assets | 0.3078% | 1,654 |
| Net interest margin | 3.3647% | 1,701 |
| Noninterest income to average assets | 0.7326% | 1,225 |
| Noninterest expense to average assets | 3.1703% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6363% | 3,523 |
| Return on assets (ROA) | 0.6483% | 3,429 |
| Pretax return on assets | 0.6937% | 3,596 |
| Return on Equity (ROE) | 6.6416% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.2468% | 2,612 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3232% | 777 |
| Assets per employee ($millions) | 3.6594% | 4,505 |
| Cash dividends to net income (ytd only)* | 21.0000% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,341 |
| Loan loss allowance to noncurrent loans | 507.6923% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 2,777 |
| Noncurrent loans to loans | 0.2498% | 2,481 |
| Net loans and leases to total assets | 52.6524% | 3,095 |
| Net loans and leases to deposits | 59.0235% | 3,129 |
| Net loans and leases to core deposits | 59.0235% | 3,347 |
| Total domestic deposits to total assets | 89.2058% | 2,086 |
| Equity capital to assets | 10.1691% | 1,615 |
| Core capital (leverage) ratio | 10.2316% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2163% | 608 |
| Memoranda: | ||
| Average total assets | $30,848,667 | 4,670 |
| Average earning assets | $28,591,333 | 4,660 |
| Average equity | $3,011,333 | 4,687 |
| Average total loans | $15,704,667 | 4,568 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3714% | 2,174 |
| Cost of funding earning assets | 0.3015% | 1,645 |
| Net interest margin | 3.0699% | 2,269 |
| Noninterest income to average assets | 0.7207% | 1,253 |
| Noninterest expense to average assets | 2.9713% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5452% | 3,579 |
| Return on assets (ROA) | 0.5690% | 3,474 |
| Pretax return on assets | 0.6069% | 3,612 |
| Return on Equity (ROE) | 5.9435% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.1699% | 3,203 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6299% | 877 |
| Assets per employee ($millions) | 3.9816% | 4,406 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,493 |
| Loan loss allowance to noncurrent loans | 153.4884% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 539 |
| Noncurrent loans to loans | 0.8281% | 1,135 |
| Net loans and leases to total assets | 48.2812% | 3,355 |
| Net loans and leases to deposits | 56.3168% | 3,241 |
| Net loans and leases to core deposits | 56.3168% | 3,422 |
| Total domestic deposits to total assets | 85.7313% | 3,335 |
| Equity capital to assets | 9.3586% | 2,399 |
| Core capital (leverage) ratio | 9.7850% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5694% | 688 |
| Memoranda: | ||
| Average total assets | $31,635,500 | 4,694 |
| Average earning assets | $29,186,500 | 4,683 |
| Average equity | $3,028,500 | 4,714 |
| Average total loans | $15,751,000 | 4,583 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 1,542 |
| Cost of funding earning assets | 0.3420% | 2,009 |
| Net interest margin | 3.5878% | 1,501 |
| Noninterest income to average assets | 0.9004% | 1,194 |
| Noninterest expense to average assets | 3.1109% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0467% | 2,492 |
| Return on assets (ROA) | 1.0467% | 2,570 |
| Pretax return on assets | 1.0630% | 3,094 |
| Return on Equity (ROE) | 10.5119% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.3865% | 2,627 |
| Net charge-offs to loans | -0.0065% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5327% | 1,251 |
| Assets per employee ($millions) | 3.9273% | 4,449 |
| Cash dividends to net income (ytd only)* | 48.7578% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,657 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 589 |
| Noncurrent loans to loans | 0.7912% | 1,285 |
| Net loans and leases to total assets | 50.0573% | 3,269 |
| Net loans and leases to deposits | 58.7267% | 3,195 |
| Net loans and leases to core deposits | 58.7267% | 3,418 |
| Total domestic deposits to total assets | 85.2378% | 3,196 |
| Equity capital to assets | 9.7906% | 2,860 |
| Core capital (leverage) ratio | 9.9564% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4875% | 826 |
| Memoranda: | ||
| Average total assets | $30,762,400 | 4,738 |
| Average earning assets | $28,067,200 | 4,727 |
| Average equity | $3,063,200 | 4,762 |
| Average total loans | $15,436,200 | 4,642 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 1,465 |
| Cost of funding earning assets | 0.3552% | 2,063 |
| Net interest margin | 3.6767% | 1,392 |
| Noninterest income to average assets | 1.0588% | 978 |
| Noninterest expense to average assets | 3.0415% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3334% | 1,728 |
| Return on assets (ROA) | 1.3334% | 1,783 |
| Pretax return on assets | 1.3552% | 2,479 |
| Return on Equity (ROE) | 13.3330% | 1,603 |
| Retained earnings to average equity (ytd only) | 8.8015% | 1,769 |
| Net charge-offs to loans | -0.0087% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1774% | 1,687 |
| Assets per employee ($millions) | 3.8373% | 4,529 |
| Cash dividends to net income (ytd only)* | 33.9869% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,644 |
| Loan loss allowance to noncurrent loans | 110.6145% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 323 |
| Noncurrent loans to loans | 1.1453% | 982 |
| Net loans and leases to total assets | 50.2671% | 3,383 |
| Net loans and leases to deposits | 59.3546% | 3,286 |
| Net loans and leases to core deposits | 59.3546% | 3,524 |
| Total domestic deposits to total assets | 84.6896% | 3,224 |
| Equity capital to assets | 10.2059% | 2,704 |
| Core capital (leverage) ratio | 10.1730% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8396% | 845 |
| Memoranda: | ||
| Average total assets | $30,598,500 | 4,809 |
| Average earning assets | $27,778,000 | 4,799 |
| Average equity | $3,060,000 | 4,835 |
| Average total loans | $15,314,000 | 4,711 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 1,147 |
| Cost of funding earning assets | 0.3680% | 2,155 |
| Net interest margin | 3.8536% | 1,059 |
| Noninterest income to average assets | 1.1385% | 876 |
| Noninterest expense to average assets | 3.0296% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5769% | 1,098 |
| Return on assets (ROA) | 1.5769% | 1,159 |
| Pretax return on assets | 1.6031% | 1,726 |
| Return on Equity (ROE) | 15.8779% | 977 |
| Retained earnings to average equity (ytd only) | 9.0260% | 1,700 |
| Net charge-offs to loans | -0.0132% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3955% | 2,238 |
| Assets per employee ($millions) | 3.8704% | 4,512 |
| Cash dividends to net income (ytd only)* | 43.1535% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 2,195 |
| Loan loss allowance to noncurrent loans | 109.3923% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.5083% | 377 |
| Noncurrent loans to loans | 1.2327% | 972 |
| Net loans and leases to total assets | 46.7816% | 3,847 |
| Net loans and leases to deposits | 55.0551% | 3,790 |
| Net loans and leases to core deposits | 55.0551% | 3,966 |
| Total domestic deposits to total assets | 84.9724% | 3,105 |
| Equity capital to assets | 9.8989% | 2,945 |
| Core capital (leverage) ratio | 9.9252% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2971% | 665 |
| Memoranda: | ||
| Average total assets | $30,565,333 | 4,843 |
| Average earning assets | $27,714,333 | 4,831 |
| Average equity | $3,035,667 | 4,869 |
| Average total loans | $15,209,000 | 4,751 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 694 |
| Cost of funding earning assets | 0.3668% | 2,383 |
| Net interest margin | 4.2108% | 590 |
| Noninterest income to average assets | 1.5807% | 556 |
| Noninterest expense to average assets | 2.9638% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3579% | 339 |
| Return on assets (ROA) | 2.3579% | 359 |
| Pretax return on assets | 2.3974% | 522 |
| Return on Equity (ROE) | 23.7008% | 308 |
| Retained earnings to average equity (ytd only) | 21.8471% | 210 |
| Net charge-offs to loans | -0.0259% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2826% | 3,637 |
| Assets per employee ($millions) | 3.9676% | 4,499 |
| Cash dividends to net income (ytd only)* | 7.8212% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,512 |
| Loan loss allowance to noncurrent loans | 103.6649% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 446 |
| Noncurrent loans to loans | 1.2370% | 1,061 |
| Net loans and leases to total assets | 48.0231% | 3,816 |
| Net loans and leases to deposits | 55.2663% | 3,844 |
| Net loans and leases to core deposits | 55.2663% | 4,027 |
| Total domestic deposits to total assets | 86.8939% | 2,350 |
| Equity capital to assets | 9.7067% | 2,992 |
| Core capital (leverage) ratio | 10.4412% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2992% | 876 |
| Memoranda: | ||
| Average total assets | $30,366,500 | 4,871 |
| Average earning assets | $27,263,000 | 4,857 |
| Average equity | $3,021,000 | 4,893 |
| Average total loans | $15,472,000 | 4,776 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 1,209 |
| Cost of funding earning assets | 0.4737% | 3,124 |
| Net interest margin | 4.0685% | 838 |
| Noninterest income to average assets | 0.6967% | 1,871 |
| Noninterest expense to average assets | 3.6260% | 580 |
| Loan and lease loss provision to assets | 0.0146% | 4,191 |
| Net operating income to assets | 0.7729% | 3,196 |
| Return on assets (ROA) | 0.9302% | 2,708 |
| Pretax return on assets | 0.9448% | 3,237 |
| Return on Equity (ROE) | 8.8101% | 2,466 |
| Retained earnings to average equity (ytd only) | 3.7659% | 2,939 |
| Net charge-offs to loans | -0.1272% | 4,846 |
| Credit loss provision to net charge-offs | -20.0000% | 3,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9456% | 749 |
| Assets per employee ($millions) | 3.6240% | 4,597 |
| Cash dividends to net income (ytd only)* | 57.2549% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,570 |
| Loan loss allowance to noncurrent loans | 100.5102% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 427 |
| Noncurrent loans to loans | 1.2643% | 1,084 |
| Net loans and leases to total assets | 52.7939% | 3,601 |
| Net loans and leases to deposits | 61.3467% | 3,650 |
| Net loans and leases to core deposits | 61.3467% | 3,866 |
| Total domestic deposits to total assets | 86.0582% | 2,339 |
| Equity capital to assets | 10.2132% | 2,923 |
| Core capital (leverage) ratio | 10.1667% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1628% | 879 |
| Memoranda: | ||
| Average total assets | $27,413,200 | 4,892 |
| Average earning assets | $25,120,000 | 4,881 |
| Average equity | $2,894,400 | 4,917 |
| Average total loans | $15,726,000 | 4,789 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,200 |
| Cost of funding earning assets | 0.4925% | 3,271 |
| Net interest margin | 4.1490% | 809 |
| Noninterest income to average assets | 0.7205% | 1,736 |
| Noninterest expense to average assets | 3.6271% | 595 |
| Loan and lease loss provision to assets | 0.0185% | 4,096 |
| Net operating income to assets | 0.8852% | 2,754 |
| Return on assets (ROA) | 1.0758% | 2,194 |
| Pretax return on assets | 1.0906% | 2,778 |
| Return on Equity (ROE) | 10.1002% | 1,980 |
| Retained earnings to average equity (ytd only) | 5.7451% | 2,212 |
| Net charge-offs to loans | -0.1267% | 4,861 |
| Credit loss provision to net charge-offs | -26.6667% | 3,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8046% | 879 |
| Assets per employee ($millions) | 3.1788% | 4,791 |
| Cash dividends to net income (ytd only)* | 43.1193% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,663 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 1,165 |
| Noncurrent loans to loans | 0.0188% | 4,346 |
| Net loans and leases to total assets | 55.2483% | 3,685 |
| Net loans and leases to deposits | 64.3908% | 3,766 |
| Net loans and leases to core deposits | 64.3908% | 3,994 |
| Total domestic deposits to total assets | 85.8017% | 2,150 |
| Equity capital to assets | 10.3744% | 2,897 |
| Core capital (leverage) ratio | 10.2990% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0102% | 913 |
| Memoranda: | ||
| Average total assets | $27,018,500 | 4,926 |
| Average earning assets | $24,905,000 | 4,914 |
| Average equity | $2,877,750 | 4,945 |
| Average total loans | $15,781,750 | 4,822 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,435 |
| Cost of funding earning assets | 0.4828% | 3,637 |
| Net interest margin | 4.2062% | 908 |
| Noninterest income to average assets | 0.7550% | 1,565 |
| Noninterest expense to average assets | 3.5940% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0282% | 2,226 |
| Return on assets (ROA) | 1.1628% | 1,880 |
| Pretax return on assets | 1.1779% | 2,438 |
| Return on Equity (ROE) | 10.8159% | 1,698 |
| Retained earnings to average equity (ytd only) | 7.0233% | 1,656 |
| Net charge-offs to loans | -0.1782% | 4,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5244% | 1,098 |
| Assets per employee ($millions) | 3.2136% | 4,783 |
| Cash dividends to net income (ytd only)* | 35.0649% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,687 |
| Loan loss allowance to noncurrent loans | 6,233.3333% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 1,240 |
| Noncurrent loans to loans | 0.0187% | 4,425 |
| Net loans and leases to total assets | 54.7334% | 3,813 |
| Net loans and leases to deposits | 63.6459% | 3,906 |
| Net loans and leases to core deposits | 63.6459% | 4,097 |
| Total domestic deposits to total assets | 85.9968% | 2,010 |
| Equity capital to assets | 10.2033% | 3,016 |
| Core capital (leverage) ratio | 9.8390% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8734% | 924 |
| Memoranda: | ||
| Average total assets | $26,488,333 | 4,959 |
| Average earning assets | $24,440,333 | 4,948 |
| Average equity | $2,847,667 | 4,976 |
| Average total loans | $15,709,667 | 4,853 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 953 |
| Cost of funding earning assets | 0.5504% | 3,688 |
| Net interest margin | 4.4551% | 558 |
| Noninterest income to average assets | 0.9180% | 1,031 |
| Noninterest expense to average assets | 3.7513% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2504% | 1,377 |
| Return on assets (ROA) | 1.2504% | 1,480 |
| Pretax return on assets | 1.2662% | 1,974 |
| Return on Equity (ROE) | 11.3019% | 1,328 |
| Retained earnings to average equity (ytd only) | 9.2990% | 896 |
| Net charge-offs to loans | -0.3600% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7634% | 1,716 |
| Assets per employee ($millions) | 3.2408% | 4,670 |
| Cash dividends to net income (ytd only)* | 17.7215% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,576 |
| Loan loss allowance to noncurrent loans | 4,675.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 1,291 |
| Noncurrent loans to loans | 0.0260% | 4,464 |
| Net loans and leases to total assets | 58.5397% | 3,633 |
| Net loans and leases to deposits | 65.8210% | 3,876 |
| Net loans and leases to core deposits | 65.8210% | 4,093 |
| Total domestic deposits to total assets | 88.9377% | 688 |
| Equity capital to assets | 10.7421% | 3,102 |
| Core capital (leverage) ratio | 11.1634% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7253% | 895 |
| Memoranda: | ||
| Average total assets | $25,271,500 | 5,015 |
| Average earning assets | $23,254,000 | 5,004 |
| Average equity | $2,796,000 | 5,023 |
| Average total loans | $15,556,000 | 4,891 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 1,141 |
| Cost of funding earning assets | 0.5488% | 3,881 |
| Net interest margin | 4.5867% | 592 |
| Noninterest income to average assets | 0.8252% | 1,368 |
| Noninterest expense to average assets | 3.8983% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0895% | 2,478 |
| Return on assets (ROA) | 1.0935% | 2,571 |
| Pretax return on assets | 1.1097% | 3,133 |
| Return on Equity (ROE) | 9.7563% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.4040% | 2,226 |
| Net charge-offs to loans | -0.0065% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9041% | 1,162 |
| Assets per employee ($millions) | 3.0771% | 4,781 |
| Cash dividends to net income (ytd only)* | 44.6097% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 2,965 |
| Loan loss allowance to noncurrent loans | 2,162.5000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 1,187 |
| Noncurrent loans to loans | 0.0508% | 4,342 |
| Net loans and leases to total assets | 63.2693% | 3,281 |
| Net loans and leases to deposits | 71.7180% | 3,539 |
| Net loans and leases to core deposits | 71.7180% | 3,873 |
| Total domestic deposits to total assets | 88.2195% | 1,024 |
| Equity capital to assets | 11.4027% | 2,622 |
| Core capital (leverage) ratio | 11.1526% | 2,373 |
| Tier 1 risk-based capital ratio | 18.8318% | 1,561 |
| Total risk-based capital ratio | 19.9933% | 1,541 |
| Memoranda: | ||
| Average total assets | $24,600,200 | 5,078 |
| Average earning assets | $22,412,600 | 5,068 |
| Average equity | $2,757,200 | 5,084 |
| Average total loans | $15,354,800 | 4,960 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 1,377 |
| Cost of funding earning assets | 0.5487% | 3,933 |
| Net interest margin | 4.5153% | 743 |
| Noninterest income to average assets | 0.7969% | 1,426 |
| Noninterest expense to average assets | 3.7404% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1438% | 2,393 |
| Return on assets (ROA) | 1.1492% | 2,461 |
| Pretax return on assets | 1.1655% | 3,086 |
| Return on Equity (ROE) | 10.2982% | 2,306 |
| Retained earnings to average equity (ytd only) | 7.4808% | 1,634 |
| Net charge-offs to loans | -0.0262% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3274% | 1,292 |
| Assets per employee ($millions) | 3.1374% | 4,809 |
| Cash dividends to net income (ytd only)* | 27.3580% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 2,853 |
| Loan loss allowance to noncurrent loans | 149.5726% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 782 |
| Noncurrent loans to loans | 0.7585% | 2,068 |
| Net loans and leases to total assets | 60.7634% | 3,616 |
| Net loans and leases to deposits | 68.6735% | 3,866 |
| Net loans and leases to core deposits | 68.6735% | 4,126 |
| Total domestic deposits to total assets | 88.4816% | 836 |
| Equity capital to assets | 11.1996% | 2,926 |
| Core capital (leverage) ratio | 11.5536% | 2,181 |
| Tier 1 risk-based capital ratio | 19.6258% | 1,434 |
| Total risk-based capital ratio | 20.8476% | 1,408 |
| Memoranda: | ||
| Average total assets | $24,596,000 | 5,155 |
| Average earning assets | $22,353,250 | 5,144 |
| Average equity | $2,744,750 | 5,162 |
| Average total loans | $15,256,500 | 5,037 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 1,387 |
| Cost of funding earning assets | 0.5483% | 3,883 |
| Net interest margin | 4.4851% | 798 |
| Noninterest income to average assets | 0.7778% | 1,419 |
| Noninterest expense to average assets | 3.6761% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1708% | 2,254 |
| Return on assets (ROA) | 1.1708% | 2,330 |
| Pretax return on assets | 1.1871% | 2,949 |
| Return on Equity (ROE) | 10.5044% | 2,173 |
| Retained earnings to average equity (ytd only) | 9.9167% | 786 |
| Net charge-offs to loans | -0.0263% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5892% | 1,449 |
| Assets per employee ($millions) | 3.0195% | 4,895 |
| Cash dividends to net income (ytd only)* | 5.5944% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,649 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 634 |
| Noncurrent loans to loans | 0.8105% | 1,973 |
| Net loans and leases to total assets | 60.5688% | 3,690 |
| Net loans and leases to deposits | 68.7741% | 3,921 |
| Net loans and leases to core deposits | 68.7741% | 4,172 |
| Total domestic deposits to total assets | 88.0692% | 1,075 |
| Equity capital to assets | 11.5623% | 2,567 |
| Core capital (leverage) ratio | 11.4677% | 2,195 |
| Tier 1 risk-based capital ratio | 21.2098% | 1,153 |
| Total risk-based capital ratio | 22.4561% | 1,135 |
| Memoranda: | ||
| Average total assets | $24,428,330 | 5,204 |
| Average earning assets | $22,251,670 | 5,193 |
| Average equity | $2,722,670 | 5,204 |
| Average total loans | $15,200,000 | 5,084 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 1,325 |
| Cost of funding earning assets | 0.5366% | 3,884 |
| Net interest margin | 4.4715% | 782 |
| Noninterest income to average assets | 0.7490% | 1,436 |
| Noninterest expense to average assets | 3.6638% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1399% | 2,312 |
| Return on assets (ROA) | 1.1399% | 2,363 |
| Pretax return on assets | 1.1561% | 2,958 |
| Return on Equity (ROE) | 10.4186% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.3767% | 1,198 |
| Net charge-offs to loans | -0.0520% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0135% | 1,495 |
| Assets per employee ($millions) | 3.0875% | 4,929 |
| Cash dividends to net income (ytd only)* | 10.0000% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,921 |
| Loan loss allowance to noncurrent loans | 125.1799% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5951% | 722 |
| Noncurrent loans to loans | 0.9087% | 1,838 |
| Net loans and leases to total assets | 61.2227% | 3,578 |
| Net loans and leases to deposits | 68.9998% | 3,841 |
| Net loans and leases to core deposits | 68.9998% | 4,130 |
| Total domestic deposits to total assets | 88.7287% | 986 |
| Equity capital to assets | 11.0081% | 2,844 |
| Core capital (leverage) ratio | 11.0533% | 2,527 |
| Tier 1 risk-based capital ratio | 20.6032% | 1,229 |
| Total risk-based capital ratio | 21.8535% | 1,205 |
| Memoranda: | ||
| Average total assets | $24,564,500 | 5,261 |
| Average earning assets | $22,364,000 | 5,246 |
| Average equity | $2,687,500 | 5,260 |
| Average total loans | $15,397,500 | 5,141 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 1,885 |
| Cost of funding earning assets | 0.4963% | 3,386 |
| Net interest margin | 4.1871% | 1,425 |
| Noninterest income to average assets | 0.7084% | 1,823 |
| Noninterest expense to average assets | 3.5987% | 874 |
| Loan and lease loss provision to assets | 0.1174% | 1,873 |
| Net operating income to assets | 0.8056% | 3,790 |
| Return on assets (ROA) | 0.8056% | 3,786 |
| Pretax return on assets | 0.8177% | 4,122 |
| Return on Equity (ROE) | 7.5977% | 3,617 |
| Retained earnings to average equity (ytd only) | 4.3907% | 3,126 |
| Net charge-offs to loans | 0.1468% | 1,304 |
| Credit loss provision to net charge-offs | 126.0870% | 2,086 |
| Earnings coverage of net charge-offs (x) | 10.0435% | 2,760 |
| Efficiency ratio | 79.3750% | 1,010 |
| Assets per employee ($millions) | 2.7143% | 5,133 |
| Cash dividends to net income (ytd only)* | 42.2111% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,036 |
| Loan loss allowance to noncurrent loans | 123.7410% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 671 |
| Noncurrent loans to loans | 0.8968% | 1,790 |
| Net loans and leases to total assets | 62.7410% | 3,489 |
| Net loans and leases to deposits | 70.5923% | 3,786 |
| Net loans and leases to core deposits | 70.5923% | 4,092 |
| Total domestic deposits to total assets | 88.8780% | 911 |
| Equity capital to assets | 10.8723% | 2,820 |
| Core capital (leverage) ratio | 10.7054% | 2,829 |
| Tier 1 risk-based capital ratio | 19.9549% | 1,317 |
| Total risk-based capital ratio | 21.2021% | 1,288 |
| Memoranda: | ||
| Average total assets | $24,703,600 | 5,302 |
| Average earning assets | $22,569,200 | 5,293 |
| Average equity | $2,619,200 | 5,312 |
| Average total loans | $15,670,200 | 5,175 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 1,956 |
| Cost of funding earning assets | 0.4890% | 3,264 |
| Net interest margin | 4.1185% | 1,575 |
| Noninterest income to average assets | 0.7051% | 1,843 |
| Noninterest expense to average assets | 3.4769% | 1,010 |
| Loan and lease loss provision to assets | 0.1561% | 1,253 |
| Net operating income to assets | 0.8235% | 3,831 |
| Return on assets (ROA) | 0.8235% | 3,841 |
| Pretax return on assets | 0.8342% | 4,213 |
| Return on Equity (ROE) | 7.8157% | 3,620 |
| Retained earnings to average equity (ytd only) | 7.7138% | 1,786 |
| Net charge-offs to loans | 0.0679% | 1,866 |
| Credit loss provision to net charge-offs | 362.5000% | 873 |
| Earnings coverage of net charge-offs (x) | 22.9925% | 1,857 |
| Efficiency ratio | 77.8313% | 1,137 |
| Assets per employee ($millions) | 3.1783% | 4,904 |
| Cash dividends to net income (ytd only)* | 1.3089% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,801 |
| Loan loss allowance to noncurrent loans | 59.5541% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.3126% | 400 |
| Noncurrent loans to loans | 1.9624% | 763 |
| Net loans and leases to total assets | 62.1962% | 3,636 |
| Net loans and leases to deposits | 69.7205% | 3,937 |
| Net loans and leases to core deposits | 69.7205% | 4,210 |
| Total domestic deposits to total assets | 89.2079% | 771 |
| Equity capital to assets | 10.5876% | 3,055 |
| Core capital (leverage) ratio | 10.7358% | 2,852 |
| Tier 1 risk-based capital ratio | 19.5370% | 1,431 |
| Total risk-based capital ratio | 20.7853% | 1,397 |
| Memoranda: | ||
| Average total assets | $24,772,250 | 5,369 |
| Average earning assets | $22,629,000 | 5,361 |
| Average equity | $2,610,000 | 5,382 |
| Average total loans | $15,713,000 | 5,240 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 2,103 |
| Cost of funding earning assets | 0.4895% | 3,094 |
| Net interest margin | 4.0049% | 1,841 |
| Noninterest income to average assets | 0.7086% | 1,839 |
| Noninterest expense to average assets | 3.4291% | 1,100 |
| Loan and lease loss provision to assets | 0.2199% | 742 |
| Net operating income to assets | 0.7168% | 4,149 |
| Return on assets (ROA) | 0.7168% | 4,155 |
| Pretax return on assets | 0.7249% | 4,446 |
| Return on Equity (ROE) | 6.8147% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.5823% | 2,265 |
| Net charge-offs to loans | 0.1537% | 1,007 |
| Credit loss provision to net charge-offs | 225.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,379 |
| Efficiency ratio | 78.3985% | 1,169 |
| Assets per employee ($millions) | 3.1048% | 5,013 |
| Cash dividends to net income (ytd only)* | 3.4091% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,891 |
| Loan loss allowance to noncurrent loans | 60.3333% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.3110% | 401 |
| Noncurrent loans to loans | 1.9362% | 789 |
| Net loans and leases to total assets | 61.6515% | 3,643 |
| Net loans and leases to deposits | 69.1425% | 3,936 |
| Net loans and leases to core deposits | 69.1425% | 4,195 |
| Total domestic deposits to total assets | 89.1658% | 862 |
| Equity capital to assets | 10.5685% | 3,053 |
| Core capital (leverage) ratio | 10.6967% | 2,812 |
| Tier 1 risk-based capital ratio | 20.0107% | 1,316 |
| Total risk-based capital ratio | 21.2599% | 1,291 |
| Memoranda: | ||
| Average total assets | $24,554,330 | 5,434 |
| Average earning assets | $22,472,670 | 5,424 |
| Average equity | $2,582,670 | 5,445 |
| Average total loans | $15,617,000 | 5,304 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 2,108 |
| Cost of funding earning assets | 0.5017% | 2,782 |
| Net interest margin | 3.9242% | 1,949 |
| Noninterest income to average assets | 0.7865% | 1,497 |
| Noninterest expense to average assets | 3.3425% | 1,263 |
| Loan and lease loss provision to assets | 0.3605% | 333 |
| Net operating income to assets | 0.6554% | 4,260 |
| Return on assets (ROA) | 0.6554% | 4,271 |
| Pretax return on assets | 0.6718% | 4,513 |
| Return on Equity (ROE) | 6.2463% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.6217% | 2,886 |
| Net charge-offs to loans | 0.2551% | 604 |
| Credit loss provision to net charge-offs | 220.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 6.3000% | 2,167 |
| Efficiency ratio | 76.4045% | 1,540 |
| Assets per employee ($millions) | 3.0056% | 5,149 |
| Cash dividends to net income (ytd only)* | 10.0000% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 3,014 |
| Loan loss allowance to noncurrent loans | 51.7442% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 2.5702% | 355 |
| Noncurrent loans to loans | 2.2492% | 657 |
| Net loans and leases to total assets | 62.8655% | 3,437 |
| Net loans and leases to deposits | 70.5992% | 3,735 |
| Net loans and leases to core deposits | 70.5992% | 4,052 |
| Total domestic deposits to total assets | 89.0455% | 1,071 |
| Equity capital to assets | 10.7091% | 2,860 |
| Core capital (leverage) ratio | 10.6934% | 2,747 |
| Tier 1 risk-based capital ratio | 20.0000% | 1,346 |
| Total risk-based capital ratio | 21.2495% | 1,315 |
| Memoranda: | ||
| Average total assets | $24,412,500 | 5,493 |
| Average earning assets | $22,323,000 | 5,482 |
| Average equity | $2,561,500 | 5,507 |
| Average total loans | $15,678,500 | 5,365 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 1,824 |
| Cost of funding earning assets | 0.5257% | 2,131 |
| Net interest margin | 3.9408% | 1,954 |
| Noninterest income to average assets | 0.6592% | 2,142 |
| Noninterest expense to average assets | 3.6898% | 806 |
| Loan and lease loss provision to assets | 0.0166% | 3,963 |
| Net operating income to assets | 0.5182% | 4,332 |
| Return on assets (ROA) | 0.5182% | 4,368 |
| Pretax return on assets | 0.5265% | 4,884 |
| Return on Equity (ROE) | 4.9399% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.7664% | 3,654 |
| Net charge-offs to loans | 0.2308% | 1,119 |
| Credit loss provision to net charge-offs | 10.8108% | 3,660 |
| Earnings coverage of net charge-offs (x) | 3.5405% | 3,590 |
| Efficiency ratio | 87.1694% | 577 |
| Assets per employee ($millions) | 3.0975% | 5,126 |
| Cash dividends to net income (ytd only)* | 44.0000% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,717 |
| Loan loss allowance to noncurrent loans | 49.2582% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 2.4657% | 385 |
| Noncurrent loans to loans | 2.0980% | 713 |
| Net loans and leases to total assets | 64.1525% | 3,348 |
| Net loans and leases to deposits | 71.6985% | 3,730 |
| Net loans and leases to core deposits | 73.2581% | 3,944 |
| Total domestic deposits to total assets | 89.4754% | 789 |
| Equity capital to assets | 10.2825% | 3,402 |
| Core capital (leverage) ratio | 10.2229% | 3,161 |
| Tier 1 risk-based capital ratio | 18.7362% | 1,577 |
| Total risk-based capital ratio | 19.9559% | 1,541 |
| Memoranda: | ||
| Average total assets | $24,120,400 | 5,555 |
| Average earning assets | $21,874,000 | 5,544 |
| Average equity | $2,530,400 | 5,568 |
| Average total loans | $16,033,800 | 5,420 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,789 |
| Cost of funding earning assets | 0.5291% | 2,043 |
| Net interest margin | 3.9193% | 1,970 |
| Noninterest income to average assets | 0.6345% | 2,286 |
| Noninterest expense to average assets | 3.5176% | 966 |
| Loan and lease loss provision to assets | 0.0222% | 3,701 |
| Net operating income to assets | 0.6289% | 4,278 |
| Return on assets (ROA) | 0.6289% | 4,329 |
| Pretax return on assets | 0.6401% | 4,758 |
| Return on Equity (ROE) | 5.9644% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.4339% | 3,262 |
| Net charge-offs to loans | -0.0167% | 4,789 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1545% | 741 |
| Assets per employee ($millions) | 3.0400% | 5,231 |
| Cash dividends to net income (ytd only)* | 25.6671% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,432 |
| Loan loss allowance to noncurrent loans | 52.9563% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.7262% | 353 |
| Noncurrent loans to loans | 2.4272% | 643 |
| Net loans and leases to total assets | 65.0535% | 3,239 |
| Net loans and leases to deposits | 72.8273% | 3,684 |
| Net loans and leases to core deposits | 74.4448% | 3,937 |
| Total domestic deposits to total assets | 89.3257% | 735 |
| Equity capital to assets | 10.5345% | 3,338 |
| Core capital (leverage) ratio | 10.6381% | 2,839 |
| Tier 1 risk-based capital ratio | 18.7550% | 1,660 |
| Total risk-based capital ratio | 20.0059% | 1,604 |
| Memoranda: | ||
| Average total assets | $23,955,500 | 5,622 |
| Average earning assets | $21,669,750 | 5,612 |
| Average equity | $2,526,000 | 5,629 |
| Average total loans | $16,026,500 | 5,480 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 1,762 |
| Cost of funding earning assets | 0.5291% | 1,928 |
| Net interest margin | 3.8891% | 1,971 |
| Noninterest income to average assets | 0.7049% | 1,963 |
| Noninterest expense to average assets | 3.5579% | 923 |
| Loan and lease loss provision to assets | 0.0336% | 3,319 |
| Net operating income to assets | 0.6210% | 4,211 |
| Return on assets (ROA) | 0.6210% | 4,257 |
| Pretax return on assets | 0.6294% | 4,742 |
| Return on Equity (ROE) | 5.8870% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.5688% | 2,373 |
| Net charge-offs to loans | 0.0250% | 2,717 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 1,259 |
| Efficiency ratio | 84.2942% | 822 |
| Assets per employee ($millions) | 3.0256% | 5,247 |
| Cash dividends to net income (ytd only)* | 5.4054% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,497 |
| Loan loss allowance to noncurrent loans | 53.1579% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 369 |
| Noncurrent loans to loans | 2.4133% | 641 |
| Net loans and leases to total assets | 64.2181% | 3,358 |
| Net loans and leases to deposits | 71.9363% | 3,748 |
| Net loans and leases to core deposits | 73.5289% | 3,976 |
| Total domestic deposits to total assets | 89.2708% | 820 |
| Equity capital to assets | 10.5309% | 3,300 |
| Core capital (leverage) ratio | 10.6645% | 2,745 |
| Tier 1 risk-based capital ratio | 18.7060% | 1,665 |
| Total risk-based capital ratio | 19.9531% | 1,631 |
| Memoranda: | ||
| Average total assets | $23,834,000 | 5,667 |
| Average earning assets | $21,547,330 | 5,659 |
| Average equity | $2,514,000 | 5,677 |
| Average total loans | $16,026,330 | 5,528 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 1,510 |
| Cost of funding earning assets | 0.5252% | 1,900 |
| Net interest margin | 3.9205% | 1,706 |
| Noninterest income to average assets | 0.6766% | 2,056 |
| Noninterest expense to average assets | 3.5013% | 1,041 |
| Loan and lease loss provision to assets | 0.0677% | 2,458 |
| Net operating income to assets | 0.6258% | 4,039 |
| Return on assets (ROA) | 0.6258% | 4,087 |
| Pretax return on assets | 0.6427% | 4,618 |
| Return on Equity (ROE) | 5.9283% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.2874% | 2,742 |
| Net charge-offs to loans | 0.0742% | 1,592 |
| Credit loss provision to net charge-offs | 133.3333% | 1,294 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,748 |
| Efficiency ratio | 83.1325% | 1,050 |
| Assets per employee ($millions) | 2.9903% | 5,359 |
| Cash dividends to net income (ytd only)* | 10.8108% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,819 |
| Loan loss allowance to noncurrent loans | 48.6683% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.8718% | 359 |
| Noncurrent loans to loans | 2.5684% | 599 |
| Net loans and leases to total assets | 66.3782% | 2,918 |
| Net loans and leases to deposits | 74.3051% | 3,370 |
| Net loans and leases to core deposits | 75.9688% | 3,653 |
| Total domestic deposits to total assets | 89.3320% | 987 |
| Equity capital to assets | 10.5050% | 3,182 |
| Core capital (leverage) ratio | 10.7173% | 2,674 |
| Tier 1 risk-based capital ratio | 17.8696% | 1,919 |
| Total risk-based capital ratio | 19.1211% | 1,873 |
| Memoranda: | ||
| Average total assets | $23,648,500 | 5,741 |
| Average earning assets | $21,324,000 | 5,728 |
| Average equity | $2,496,500 | 5,743 |
| Average total loans | $16,166,500 | 5,586 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 1,402 |
| Cost of funding earning assets | 0.5569% | 1,625 |
| Net interest margin | 3.9946% | 1,645 |
| Noninterest income to average assets | 0.7768% | 1,846 |
| Noninterest expense to average assets | 3.6941% | 894 |
| Loan and lease loss provision to assets | 0.0949% | 2,468 |
| Net operating income to assets | 0.5696% | 4,348 |
| Return on assets (ROA) | 0.5696% | 4,453 |
| Pretax return on assets | 0.5783% | 4,847 |
| Return on Equity (ROE) | 5.3777% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.0147% | 3,758 |
| Net charge-offs to loans | 0.1590% | 1,688 |
| Credit loss provision to net charge-offs | 84.6154% | 2,902 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,246 |
| Efficiency ratio | 84.5850% | 956 |
| Assets per employee ($millions) | 2.9219% | 5,411 |
| Cash dividends to net income (ytd only)* | 43.9394% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,933 |
| Loan loss allowance to noncurrent loans | 45.7666% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 3.0417% | 328 |
| Noncurrent loans to loans | 2.6887% | 557 |
| Net loans and leases to total assets | 68.6759% | 2,672 |
| Net loans and leases to deposits | 76.9633% | 3,206 |
| Net loans and leases to core deposits | 78.7105% | 3,509 |
| Total domestic deposits to total assets | 89.2321% | 991 |
| Equity capital to assets | 10.6096% | 3,030 |
| Core capital (leverage) ratio | 10.5892% | 2,785 |
| Tier 1 risk-based capital ratio | 17.7511% | 1,921 |
| Total risk-based capital ratio | 18.9965% | 1,885 |
| Memoranda: | ||
| Average total assets | $23,172,200 | 5,801 |
| Average earning assets | $20,828,200 | 5,791 |
| Average equity | $2,454,600 | 5,806 |
| Average total loans | $16,353,600 | 5,633 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,347 |
| Cost of funding earning assets | 0.5646% | 1,580 |
| Net interest margin | 4.0101% | 1,621 |
| Noninterest income to average assets | 0.7958% | 1,780 |
| Noninterest expense to average assets | 3.6963% | 850 |
| Loan and lease loss provision to assets | 0.1269% | 1,843 |
| Net operating income to assets | 0.5651% | 4,434 |
| Return on assets (ROA) | 0.5651% | 4,537 |
| Pretax return on assets | 0.5766% | 4,939 |
| Return on Equity (ROE) | 5.3369% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.0648% | 2,783 |
| Net charge-offs to loans | 0.0570% | 2,551 |
| Credit loss provision to net charge-offs | 314.2857% | 996 |
| Earnings coverage of net charge-offs (x) | 17.4341% | 2,051 |
| Efficiency ratio | 84.0105% | 994 |
| Assets per employee ($millions) | 2.8988% | 5,471 |
| Cash dividends to net income (ytd only)* | 5.1049% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 2,354 |
| Loan loss allowance to noncurrent loans | 42.5243% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 3.4023% | 299 |
| Noncurrent loans to loans | 3.2143% | 445 |
| Net loans and leases to total assets | 68.1458% | 2,782 |
| Net loans and leases to deposits | 76.6503% | 3,332 |
| Net loans and leases to core deposits | 78.4112% | 3,621 |
| Total domestic deposits to total assets | 88.9047% | 958 |
| Equity capital to assets | 10.7719% | 3,281 |
| Core capital (leverage) ratio | 10.7980% | 2,687 |
| Tier 1 risk-based capital ratio | 17.3172% | 2,124 |
| Total risk-based capital ratio | 18.5650% | 2,087 |
| Memoranda: | ||
| Average total assets | $23,121,500 | 5,860 |
| Average earning assets | $20,780,250 | 5,853 |
| Average equity | $2,448,250 | 5,868 |
| Average total loans | $16,378,750 | 5,689 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 1,285 |
| Cost of funding earning assets | 0.5678% | 1,559 |
| Net interest margin | 4.0224% | 1,574 |
| Noninterest income to average assets | 0.7706% | 1,844 |
| Noninterest expense to average assets | 3.7058% | 871 |
| Loan and lease loss provision to assets | 0.1905% | 1,137 |
| Net operating income to assets | 0.4849% | 4,744 |
| Return on assets (ROA) | 0.4849% | 4,844 |
| Pretax return on assets | 0.4935% | 5,144 |
| Return on Equity (ROE) | 4.6059% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.1946% | 3,235 |
| Net charge-offs to loans | 0.0970% | 1,873 |
| Credit loss provision to net charge-offs | 275.0000% | 1,023 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 2,370 |
| Efficiency ratio | 84.4181% | 1,009 |
| Assets per employee ($millions) | 2.9091% | 5,525 |
| Cash dividends to net income (ytd only)* | 8.9286% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,551 |
| Loan loss allowance to noncurrent loans | 57.8249% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.7972% | 452 |
| Noncurrent loans to loans | 2.3257% | 778 |
| Net loans and leases to total assets | 68.7148% | 2,677 |
| Net loans and leases to deposits | 77.0922% | 3,255 |
| Net loans and leases to core deposits | 78.8366% | 3,569 |
| Total domestic deposits to total assets | 89.1333% | 860 |
| Equity capital to assets | 10.5616% | 3,568 |
| Core capital (leverage) ratio | 10.5164% | 2,959 |
| Tier 1 risk-based capital ratio | 16.7599% | 2,328 |
| Total risk-based capital ratio | 18.0076% | 2,278 |
| Memoranda: | ||
| Average total assets | $23,098,670 | 5,934 |
| Average earning assets | $20,783,670 | 5,926 |
| Average equity | $2,431,670 | 5,944 |
| Average total loans | $16,497,670 | 5,751 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 1,349 |
| Cost of funding earning assets | 0.5636% | 1,594 |
| Net interest margin | 4.0036% | 1,603 |
| Noninterest income to average assets | 0.7822% | 1,686 |
| Noninterest expense to average assets | 3.7546% | 837 |
| Loan and lease loss provision to assets | 0.0348% | 3,197 |
| Net operating income to assets | 0.5562% | 4,386 |
| Return on assets (ROA) | 0.5562% | 4,491 |
| Pretax return on assets | 0.5736% | 4,894 |
| Return on Equity (ROE) | 5.2925% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.4656% | 3,254 |
| Net charge-offs to loans | 0.0240% | 2,451 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,092 |
| Efficiency ratio | 86.0558% | 969 |
| Assets per employee ($millions) | 2.9030% | 5,597 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 3,288 |
| Loan loss allowance to noncurrent loans | 67.4342% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.4673% | 608 |
| Noncurrent loans to loans | 1.8291% | 1,216 |
| Net loans and leases to total assets | 70.6812% | 2,239 |
| Net loans and leases to deposits | 79.1771% | 2,887 |
| Net loans and leases to core deposits | 80.9698% | 3,237 |
| Total domestic deposits to total assets | 89.2697% | 965 |
| Equity capital to assets | 10.4762% | 3,527 |
| Core capital (leverage) ratio | 10.5930% | 2,858 |
| Tier 1 risk-based capital ratio | 16.0700% | 2,647 |
| Total risk-based capital ratio | 17.3184% | 2,605 |
| Memoranda: | ||
| Average total assets | $23,011,500 | 6,001 |
| Average earning assets | $20,581,500 | 5,992 |
| Average equity | $2,418,500 | 6,003 |
| Average total loans | $16,641,500 | 5,801 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 853 |
| Cost of funding earning assets | 0.5826% | 1,479 |
| Net interest margin | 4.2643% | 1,033 |
| Noninterest income to average assets | 0.9112% | 1,406 |
| Noninterest expense to average assets | 3.9927% | 678 |
| Loan and lease loss provision to assets | 0.1453% | 1,627 |
| Net operating income to assets | 0.5987% | 4,273 |
| Return on assets (ROA) | 0.5987% | 4,379 |
| Pretax return on assets | 0.6075% | 4,813 |
| Return on Equity (ROE) | 5.6422% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.1115% | 3,841 |
| Net charge-offs to loans | 0.3601% | 817 |
| Credit loss provision to net charge-offs | 54.0984% | 3,346 |
| Earnings coverage of net charge-offs (x) | 2.8033% | 3,824 |
| Efficiency ratio | 84.1373% | 1,169 |
| Assets per employee ($millions) | 2.8499% | 5,659 |
| Cash dividends to net income (ytd only)* | 44.8529% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 3,293 |
| Loan loss allowance to noncurrent loans | 86.8644% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 2.2150% | 761 |
| Noncurrent loans to loans | 1.4163% | 1,646 |
| Net loans and leases to total assets | 72.1874% | 2,018 |
| Net loans and leases to deposits | 80.9463% | 2,713 |
| Net loans and leases to core deposits | 82.7992% | 3,066 |
| Total domestic deposits to total assets | 89.1793% | 1,033 |
| Equity capital to assets | 10.5443% | 3,307 |
| Core capital (leverage) ratio | 10.6355% | 2,792 |
| Tier 1 risk-based capital ratio | 15.9536% | 2,708 |
| Total risk-based capital ratio | 17.2073% | 2,643 |
| Memoranda: | ||
| Average total assets | $22,716,200 | 6,062 |
| Average earning assets | $20,425,600 | 6,057 |
| Average equity | $2,410,400 | 6,059 |
| Average total loans | $16,939,200 | 5,829 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 831 |
| Cost of funding earning assets | 0.5931% | 1,447 |
| Net interest margin | 4.2691% | 1,022 |
| Noninterest income to average assets | 0.9576% | 1,295 |
| Noninterest expense to average assets | 3.8362% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9576% | 2,683 |
| Return on assets (ROA) | 0.9576% | 2,771 |
| Pretax return on assets | 0.9694% | 3,744 |
| Return on Equity (ROE) | 9.0104% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.6787% | 1,009 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8289% | 1,681 |
| Assets per employee ($millions) | 2.8063% | 5,753 |
| Cash dividends to net income (ytd only)* | 3.6810% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 2,833 |
| Loan loss allowance to noncurrent loans | 56.5854% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 3.0245% | 499 |
| Noncurrent loans to loans | 2.3898% | 865 |
| Net loans and leases to total assets | 75.3853% | 1,479 |
| Net loans and leases to deposits | 84.9641% | 2,288 |
| Net loans and leases to core deposits | 89.2193% | 2,535 |
| Total domestic deposits to total assets | 88.7261% | 1,162 |
| Equity capital to assets | 11.0780% | 2,929 |
| Core capital (leverage) ratio | 11.2012% | 2,298 |
| Tier 1 risk-based capital ratio | 16.6991% | 2,479 |
| Total risk-based capital ratio | 17.9480% | 2,440 |
| Memoranda: | ||
| Average total assets | $22,695,500 | 6,148 |
| Average earning assets | $20,456,500 | 6,141 |
| Average equity | $2,412,000 | 6,144 |
| Average total loans | $17,008,250 | 5,899 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 834 |
| Cost of funding earning assets | 0.5957% | 1,447 |
| Net interest margin | 4.2381% | 1,025 |
| Noninterest income to average assets | 0.9395% | 1,334 |
| Noninterest expense to average assets | 3.7845% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9483% | 2,641 |
| Return on assets (ROA) | 0.9483% | 2,759 |
| Pretax return on assets | 0.9659% | 3,717 |
| Return on Equity (ROE) | 9.0490% | 2,512 |
| Retained earnings to average equity (ytd only) | 9.0490% | 906 |
| Net charge-offs to loans | -0.0354% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6673% | 1,804 |
| Assets per employee ($millions) | 2.7760% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 2,842 |
| Loan loss allowance to noncurrent loans | 111.9048% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 983 |
| Noncurrent loans to loans | 1.2348% | 2,184 |
| Net loans and leases to total assets | 75.5223% | 1,431 |
| Net loans and leases to deposits | 85.0939% | 2,168 |
| Net loans and leases to core deposits | 87.0866% | 2,648 |
| Total domestic deposits to total assets | 88.7518% | 1,266 |
| Equity capital to assets | 10.9780% | 2,908 |
| Core capital (leverage) ratio | 10.8486% | 2,567 |
| Tier 1 risk-based capital ratio | 16.7399% | 2,509 |
| Total risk-based capital ratio | 17.9896% | 2,460 |
| Memoranda: | ||
| Average total assets | $22,777,330 | 6,222 |
| Average earning assets | $20,481,000 | 6,209 |
| Average equity | $2,387,000 | 6,217 |
| Average total loans | $16,959,000 | 5,966 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 937 |
| Cost of funding earning assets | 0.6570% | 1,066 |
| Net interest margin | 4.0964% | 1,287 |
| Noninterest income to average assets | 1.1968% | 794 |
| Noninterest expense to average assets | 3.7638% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0927% | 1,895 |
| Return on assets (ROA) | 1.0927% | 2,005 |
| Pretax return on assets | 1.1101% | 3,035 |
| Return on Equity (ROE) | 10.6712% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.6712% | 782 |
| Net charge-offs to loans | -0.0236% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2242% | 2,305 |
| Assets per employee ($millions) | 2.9261% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 2,963 |
| Loan loss allowance to noncurrent loans | 55.7416% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.9348% | 655 |
| Noncurrent loans to loans | 2.4921% | 972 |
| Net loans and leases to total assets | 70.6566% | 2,044 |
| Net loans and leases to deposits | 78.8746% | 2,700 |
| Net loans and leases to core deposits | 82.8865% | 2,881 |
| Total domestic deposits to total assets | 89.5809% | 952 |
| Equity capital to assets | 10.2226% | 3,858 |
| Core capital (leverage) ratio | 10.3486% | 3,167 |
| Tier 1 risk-based capital ratio | 16.0604% | 2,895 |
| Total risk-based capital ratio | 17.3087% | 2,827 |
| Memoranda: | ||
| Average total assets | $23,062,000 | 6,283 |
| Average earning assets | $20,701,000 | 6,271 |
| Average equity | $2,361,500 | 6,281 |
| Average total loans | $16,935,000 | 6,020 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 1,119 |
| Cost of funding earning assets | 0.7333% | 936 |
| Net interest margin | 4.0663% | 1,691 |
| Noninterest income to average assets | 0.8560% | 1,657 |
| Noninterest expense to average assets | 4.1485% | 638 |
| Loan and lease loss provision to assets | 0.4873% | 319 |
| Net operating income to assets | -0.1695% | 6,194 |
| Return on assets (ROA) | -0.1695% | 6,190 |
| Pretax return on assets | -0.1610% | 6,172 |
| Return on Equity (ROE) | -1.7234% | 6,197 |
| Retained earnings to average equity (ytd only) | -1.9819% | 6,013 |
| Net charge-offs to loans | 0.2648% | 1,630 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 1.6739% | 4,362 |
| Efficiency ratio | 92.7083% | 666 |
| Assets per employee ($millions) | 2.8394% | 5,896 |
| Cash dividends to net income (ytd only)* | -15.0000% | 6,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 3,147 |
| Loan loss allowance to noncurrent loans | 54.0793% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 3.1433% | 622 |
| Noncurrent loans to loans | 2.5092% | 1,010 |
| Net loans and leases to total assets | 74.2461% | 1,546 |
| Net loans and leases to deposits | 82.9154% | 2,350 |
| Net loans and leases to core deposits | 87.2433% | 2,588 |
| Total domestic deposits to total assets | 89.5444% | 953 |
| Equity capital to assets | 10.2575% | 3,779 |
| Core capital (leverage) ratio | 9.9069% | 3,702 |
| Tier 1 risk-based capital ratio | 16.2687% | 2,826 |
| Total risk-based capital ratio | 17.5255% | 2,768 |
| Memoranda: | ||
| Average total assets | $23,599,000 | 6,360 |
| Average earning assets | $21,002,000 | 6,353 |
| Average equity | $2,321,000 | 6,373 |
| Average total loans | $17,373,200 | 6,071 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 1,181 |
| Cost of funding earning assets | 0.7394% | 946 |
| Net interest margin | 4.0167% | 1,832 |
| Noninterest income to average assets | 0.8956% | 1,538 |
| Noninterest expense to average assets | 4.3100% | 552 |
| Loan and lease loss provision to assets | 0.6325% | 210 |
| Net operating income to assets | -0.4702% | 6,361 |
| Return on assets (ROA) | -0.4702% | 6,356 |
| Pretax return on assets | -0.4590% | 6,345 |
| Return on Equity (ROE) | -4.8302% | 6,366 |
| Retained earnings to average equity (ytd only) | -5.1752% | 6,263 |
| Net charge-offs to loans | 0.1682% | 2,120 |
| Credit loss provision to net charge-offs | 513.6364% | 556 |
| Earnings coverage of net charge-offs (x) | 1.4091% | 4,161 |
| Efficiency ratio | 96.1298% | 504 |
| Assets per employee ($millions) | 2.9164% | 5,825 |
| Cash dividends to net income (ytd only)* | -7.1429% | 6,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 2,951 |
| Loan loss allowance to noncurrent loans | 430.5085% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 2,090 |
| Noncurrent loans to loans | 0.3364% | 4,889 |
| Net loans and leases to total assets | 74.0860% | 1,513 |
| Net loans and leases to deposits | 82.2860% | 2,388 |
| Net loans and leases to core deposits | 86.4293% | 2,622 |
| Total domestic deposits to total assets | 90.0347% | 719 |
| Equity capital to assets | 9.7981% | 4,423 |
| Core capital (leverage) ratio | 9.8078% | 3,931 |
| Tier 1 risk-based capital ratio | 15.2441% | 3,451 |
| Total risk-based capital ratio | 15.6775% | 3,874 |
| Memoranda: | ||
| Average total assets | $23,820,000 | 6,433 |
| Average earning assets | $21,277,250 | 6,422 |
| Average equity | $2,318,750 | 6,444 |
| Average total loans | $17,442,250 | 6,129 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,333 |
| Cost of funding earning assets | 0.7688% | 840 |
| Net interest margin | 3.9096% | 2,121 |
| Noninterest income to average assets | 0.8923% | 1,521 |
| Noninterest expense to average assets | 4.7033% | 389 |
| Loan and lease loss provision to assets | 0.9423% | 115 |
| Net operating income to assets | -1.2926% | 6,559 |
| Return on assets (ROA) | -1.2926% | 6,557 |
| Pretax return on assets | -1.2759% | 6,544 |
| Return on Equity (ROE) | -13.3066% | 6,539 |
| Retained earnings to average equity (ytd only) | -13.8217% | 6,477 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6336% | 263 |
| Assets per employee ($millions) | 3.0720% | 5,647 |
| Cash dividends to net income (ytd only)* | -3.8710% | 6,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 2,547 |
| Loan loss allowance to noncurrent loans | 94.5205% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.1240% | 1,458 |
| Noncurrent loans to loans | 1.6696% | 2,077 |
| Net loans and leases to total assets | 70.0399% | 2,077 |
| Net loans and leases to deposits | 77.1918% | 2,901 |
| Net loans and leases to core deposits | 80.8236% | 3,113 |
| Total domestic deposits to total assets | 90.7349% | 495 |
| Equity capital to assets | 9.0129% | 5,287 |
| Core capital (leverage) ratio | 8.6311% | 5,494 |
| Tier 1 risk-based capital ratio | 14.8958% | 3,691 |
| Total risk-based capital ratio | 16.1533% | 3,633 |
| Memoranda: | ||
| Average total assets | $23,983,000 | 6,498 |
| Average earning assets | $21,332,000 | 6,488 |
| Average equity | $2,329,670 | 6,502 |
| Average total loans | $17,410,000 | 6,178 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 988 |
| Cost of funding earning assets | 0.8079% | 719 |
| Net interest margin | 4.0205% | 1,684 |
| Noninterest income to average assets | 0.7430% | 1,976 |
| Noninterest expense to average assets | 3.7321% | 1,083 |
| Loan and lease loss provision to assets | 0.0507% | 3,085 |
| Net operating income to assets | 0.4728% | 4,824 |
| Return on assets (ROA) | 0.4728% | 4,901 |
| Pretax return on assets | 0.4897% | 5,203 |
| Return on Equity (ROE) | 4.6921% | 4,691 |
| Retained earnings to average equity (ytd only) | 3.6866% | 3,919 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3518% | 1,298 |
| Assets per employee ($millions) | 3.5764% | 4,777 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,671 |
| Loan loss allowance to noncurrent loans | 44.5040% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.6563% | 1,160 |
| Noncurrent loans to loans | 2.1530% | 1,699 |
| Net loans and leases to total assets | 68.5400% | 2,137 |
| Net loans and leases to deposits | 75.9584% | 2,815 |
| Net loans and leases to core deposits | 79.4766% | 3,037 |
| Total domestic deposits to total assets | 90.2337% | 946 |
| Equity capital to assets | 9.5786% | 4,389 |
| Core capital (leverage) ratio | 9.8242% | 3,827 |
| Tier 1 risk-based capital ratio | 15.9293% | 3,201 |
| Total risk-based capital ratio | 17.0320% | 3,242 |
| Memoranda: | ||
| Average total assets | $23,686,500 | 6,571 |
| Average earning assets | $20,793,500 | 6,565 |
| Average equity | $2,387,000 | 6,556 |
| Average total loans | $17,370,500 | 6,243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 848 |
| Cost of funding earning assets | 0.8459% | 966 |
| Net interest margin | 4.1946% | 1,367 |
| Noninterest income to average assets | 0.9579% | 1,502 |
| Noninterest expense to average assets | 4.0359% | 840 |
| Loan and lease loss provision to assets | 0.0468% | 4,186 |
| Net operating income to assets | 0.4683% | 4,874 |
| Return on assets (ROA) | 0.4683% | 5,007 |
| Pretax return on assets | 0.4428% | 5,383 |
| Return on Equity (ROE) | 4.6622% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.2040% | 4,681 |
| Net charge-offs to loans | -0.0172% | 6,116 |
| Credit loss provision to net charge-offs | -366.6667% | 6,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1816% | 1,093 |
| Assets per employee ($millions) | 2.7923% | 6,120 |
| Cash dividends to net income (ytd only)* | 52.7273% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 5,810 |
| Loan loss allowance to noncurrent loans | 41.7949% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 2.8561% | 1,129 |
| Noncurrent loans to loans | 2.2393% | 1,733 |
| Net loans and leases to total assets | 77.2361% | 924 |
| Net loans and leases to deposits | 86.7552% | 1,600 |
| Net loans and leases to core deposits | 91.3244% | 1,872 |
| Total domestic deposits to total assets | 89.0277% | 1,604 |
| Equity capital to assets | 10.6366% | 2,995 |
| Core capital (leverage) ratio | 10.2308% | 3,251 |
| Tier 1 risk-based capital ratio | 15.9517% | 3,116 |
| Total risk-based capital ratio | 17.0460% | 3,157 |
| Memoranda: | ||
| Average total assets | $23,489,200 | 6,652 |
| Average earning assets | $19,978,200 | 6,659 |
| Average equity | $2,359,400 | 6,647 |
| Average total loans | $17,424,800 | 6,302 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,040 |
| Cost of funding earning assets | 0.8480% | 1,060 |
| Net interest margin | 4.0955% | 1,649 |
| Noninterest income to average assets | 0.9757% | 1,519 |
| Noninterest expense to average assets | 3.8187% | 1,060 |
| Loan and lease loss provision to assets | 0.0449% | 4,116 |
| Net operating income to assets | 0.6112% | 4,304 |
| Return on assets (ROA) | 0.6112% | 4,432 |
| Pretax return on assets | 0.6056% | 4,992 |
| Return on Equity (ROE) | 6.1705% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.4721% | 3,489 |
| Net charge-offs to loans | -0.0306% | 6,172 |
| Credit loss provision to net charge-offs | -200.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4454% | 1,423 |
| Assets per employee ($millions) | 2.8901% | 6,023 |
| Cash dividends to net income (ytd only)* | 27.5236% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 6,047 |
| Loan loss allowance to noncurrent loans | 31.1412% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 3.3130% | 1,065 |
| Noncurrent loans to loans | 2.8954% | 1,417 |
| Net loans and leases to total assets | 76.5322% | 932 |
| Net loans and leases to deposits | 85.7108% | 1,648 |
| Net loans and leases to core deposits | 88.0743% | 2,181 |
| Total domestic deposits to total assets | 89.2911% | 1,414 |
| Equity capital to assets | 10.3975% | 3,394 |
| Core capital (leverage) ratio | 10.3822% | 3,130 |
| Tier 1 risk-based capital ratio | 16.0986% | 3,134 |
| Total risk-based capital ratio | 17.1767% | 3,185 |
| Memoranda: | ||
| Average total assets | $23,777,000 | 6,720 |
| Average earning assets | $20,282,250 | 6,727 |
| Average equity | $2,355,250 | 6,722 |
| Average total loans | $17,427,000 | 6,368 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 1,337 |
| Cost of funding earning assets | 0.8426% | 1,187 |
| Net interest margin | 3.9516% | 2,039 |
| Noninterest income to average assets | 0.9252% | 1,729 |
| Noninterest expense to average assets | 3.7257% | 1,213 |
| Loan and lease loss provision to assets | 0.0500% | 3,984 |
| Net operating income to assets | 0.5584% | 4,511 |
| Return on assets (ROA) | 0.5584% | 4,681 |
| Pretax return on assets | 0.5501% | 5,199 |
| Return on Equity (ROE) | 5.7289% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.1637% | 4,304 |
| Net charge-offs to loans | -0.0463% | 6,236 |
| Credit loss provision to net charge-offs | -150.0000% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1272% | 1,402 |
| Assets per employee ($millions) | 2.9724% | 5,895 |
| Cash dividends to net income (ytd only)* | 44.7761% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,085 |
| Loan loss allowance to noncurrent loans | 51.7915% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.4055% | 1,767 |
| Noncurrent loans to loans | 1.7710% | 2,673 |
| Net loans and leases to total assets | 72.2318% | 1,538 |
| Net loans and leases to deposits | 80.3819% | 2,271 |
| Net loans and leases to core deposits | 82.5174% | 2,751 |
| Total domestic deposits to total assets | 89.8608% | 1,111 |
| Equity capital to assets | 9.9331% | 3,995 |
| Core capital (leverage) ratio | 9.5662% | 4,131 |
| Tier 1 risk-based capital ratio | 15.8036% | 3,313 |
| Total risk-based capital ratio | 16.8674% | 3,367 |
| Memoranda: | ||
| Average total assets | $23,995,670 | 6,768 |
| Average earning assets | $20,649,670 | 6,768 |
| Average equity | $2,339,000 | 6,775 |
| Average total loans | $17,284,000 | 6,413 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 1,911 |
| Cost of funding earning assets | 0.8028% | 1,510 |
| Net interest margin | 3.7714% | 2,559 |
| Noninterest income to average assets | 0.9127% | 1,719 |
| Noninterest expense to average assets | 3.6177% | 1,388 |
| Loan and lease loss provision to assets | 0.0498% | 3,794 |
| Net operating income to assets | 0.6140% | 4,146 |
| Return on assets (ROA) | 0.6140% | 4,305 |
| Pretax return on assets | 0.5974% | 4,954 |
| Return on Equity (ROE) | 6.3588% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.2030% | 5,371 |
| Net charge-offs to loans | -0.1391% | 6,568 |
| Credit loss provision to net charge-offs | -50.0000% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8249% | 1,661 |
| Assets per employee ($millions) | 3.1949% | 5,640 |
| Cash dividends to net income (ytd only)* | 81.0811% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 6,222 |
| Loan loss allowance to noncurrent loans | 59.3985% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 2.0893% | 2,246 |
| Noncurrent loans to loans | 1.5415% | 3,241 |
| Net loans and leases to total assets | 66.8962% | 2,214 |
| Net loans and leases to deposits | 73.7269% | 2,952 |
| Net loans and leases to core deposits | 76.7070% | 3,231 |
| Total domestic deposits to total assets | 90.7352% | 651 |
| Equity capital to assets | 9.1201% | 5,345 |
| Core capital (leverage) ratio | 9.8805% | 3,557 |
| Tier 1 risk-based capital ratio | 12.5871% | 5,523 |
| Total risk-based capital ratio | 13.4403% | 5,756 |
| Memoranda: | ||
| Average total assets | $24,104,000 | 6,834 |
| Average earning assets | $21,424,500 | 6,821 |
| Average equity | $2,327,500 | 6,843 |
| Average total loans | $17,258,500 | 6,473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 1,358 |
| Cost of funding earning assets | 1.0023% | 1,345 |
| Net interest margin | 4.0748% | 2,103 |
| Noninterest income to average assets | 0.8740% | 1,948 |
| Noninterest expense to average assets | 4.0330% | 942 |
| Loan and lease loss provision to assets | 0.1138% | 4,217 |
| Net operating income to assets | 0.4279% | 4,974 |
| Return on assets (ROA) | 0.4279% | 5,225 |
| Pretax return on assets | 0.4097% | 5,548 |
| Return on Equity (ROE) | 4.1199% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.9446% | 3,427 |
| Net charge-offs to loans | 0.2898% | 3,204 |
| Credit loss provision to net charge-offs | 50.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | 2.3000% | 4,269 |
| Efficiency ratio | 88.5115% | 1,193 |
| Assets per employee ($millions) | 3.2356% | 5,546 |
| Cash dividends to net income (ytd only)* | 4.2553% | 4,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,366 |
| Loan loss allowance to noncurrent loans | 37.1571% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 2.6315% | 1,846 |
| Noncurrent loans to loans | 2.3232% | 2,315 |
| Net loans and leases to total assets | 75.5530% | 981 |
| Net loans and leases to deposits | 84.4870% | 1,699 |
| Net loans and leases to core deposits | 87.2883% | 2,164 |
| Total domestic deposits to total assets | 89.4256% | 1,283 |
| Equity capital to assets | 10.2609% | 3,808 |
| Core capital (leverage) ratio | 10.3408% | 2,959 |
| Tier 1 risk-based capital ratio | 14.7790% | 3,848 |
| Total risk-based capital ratio | 15.7266% | 3,998 |
| Memoranda: | ||
| Average total assets | $21,968,800 | 6,932 |
| Average earning assets | $19,853,600 | 6,909 |
| Average equity | $2,281,600 | 6,915 |
| Average total loans | $17,251,200 | 6,541 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 1,493 |
| Cost of funding earning assets | 1.0305% | 1,390 |
| Net interest margin | 4.0414% | 2,333 |
| Noninterest income to average assets | 0.8563% | 1,994 |
| Noninterest expense to average assets | 3.9940% | 941 |
| Loan and lease loss provision to assets | 0.0856% | 4,533 |
| Net operating income to assets | 0.4648% | 4,976 |
| Return on assets (ROA) | 0.4648% | 5,230 |
| Pretax return on assets | 0.4465% | 5,608 |
| Return on Equity (ROE) | 4.4619% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.3443% | 3,835 |
| Net charge-offs to loans | 0.0464% | 5,003 |
| Credit loss provision to net charge-offs | 233.3333% | 1,187 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,830 |
| Efficiency ratio | 88.2432% | 1,166 |
| Assets per employee ($millions) | 3.1286% | 5,785 |
| Cash dividends to net income (ytd only)* | 2.6350% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 5,960 |
| Loan loss allowance to noncurrent loans | 28.1298% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 3.2192% | 1,599 |
| Noncurrent loans to loans | 3.6738% | 1,458 |
| Net loans and leases to total assets | 79.5845% | 542 |
| Net loans and leases to deposits | 89.1600% | 1,242 |
| Net loans and leases to core deposits | 92.2267% | 1,761 |
| Total domestic deposits to total assets | 89.2603% | 1,275 |
| Equity capital to assets | 10.5388% | 3,796 |
| Core capital (leverage) ratio | 10.7765% | 2,632 |
| Tier 1 risk-based capital ratio | 15.2464% | 3,675 |
| Total risk-based capital ratio | 16.4487% | 3,654 |
| Memoranda: | ||
| Average total assets | $21,798,750 | 7,024 |
| Average earning assets | $19,794,500 | 6,998 |
| Average equity | $2,271,000 | 7,008 |
| Average total loans | $17,248,750 | 6,626 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 1,550 |
| Cost of funding earning assets | 1.0633% | 1,393 |
| Net interest margin | 4.0204% | 2,412 |
| Noninterest income to average assets | 0.9005% | 1,788 |
| Noninterest expense to average assets | 3.9789% | 966 |
| Loan and lease loss provision to assets | 0.0735% | 4,708 |
| Net operating income to assets | 0.5146% | 4,745 |
| Return on assets (ROA) | 0.5146% | 5,014 |
| Pretax return on assets | 0.4962% | 5,442 |
| Return on Equity (ROE) | 4.9587% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.7816% | 3,426 |
| Net charge-offs to loans | 0.0701% | 4,448 |
| Credit loss provision to net charge-offs | 133.3333% | 2,058 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,063 |
| Efficiency ratio | 87.4747% | 1,286 |
| Assets per employee ($millions) | 3.1020% | 5,849 |
| Cash dividends to net income (ytd only)* | 3.5714% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 6,072 |
| Loan loss allowance to noncurrent loans | 36.8201% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 2.4685% | 2,262 |
| Noncurrent loans to loans | 2.7715% | 2,163 |
| Net loans and leases to total assets | 78.6175% | 662 |
| Net loans and leases to deposits | 88.0629% | 1,360 |
| Net loans and leases to core deposits | 91.1182% | 1,860 |
| Total domestic deposits to total assets | 89.2742% | 1,346 |
| Equity capital to assets | 10.5370% | 3,638 |
| Core capital (leverage) ratio | 10.4261% | 2,888 |
| Tier 1 risk-based capital ratio | 15.3238% | 3,559 |
| Total risk-based capital ratio | 16.5026% | 3,569 |
| Memoranda: | ||
| Average total assets | $21,765,000 | 7,083 |
| Average earning assets | $19,749,330 | 7,058 |
| Average equity | $2,258,670 | 7,056 |
| Average total loans | $17,128,000 | 6,687 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 1,614 |
| Cost of funding earning assets | 1.1149% | 1,320 |
| Net interest margin | 3.9729% | 2,617 |
| Noninterest income to average assets | 0.7710% | 2,297 |
| Noninterest expense to average assets | 3.9467% | 998 |
| Loan and lease loss provision to assets | 0.0367% | 4,924 |
| Net operating income to assets | 0.4038% | 5,239 |
| Return on assets (ROA) | 0.4038% | 5,423 |
| Pretax return on assets | 0.3855% | 5,765 |
| Return on Equity (ROE) | 3.9216% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.5651% | 4,439 |
| Net charge-offs to loans | -0.0469% | 6,506 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3361% | 1,067 |
| Assets per employee ($millions) | 3.1594% | 5,851 |
| Cash dividends to net income (ytd only)* | 9.0909% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 6,077 |
| Loan loss allowance to noncurrent loans | 45.7584% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 2.0212% | 2,868 |
| Noncurrent loans to loans | 2.2942% | 2,810 |
| Net loans and leases to total assets | 75.8636% | 817 |
| Net loans and leases to deposits | 84.7032% | 1,576 |
| Net loans and leases to core deposits | 87.5770% | 2,106 |
| Total domestic deposits to total assets | 89.5641% | 1,327 |
| Equity capital to assets | 10.1917% | 3,863 |
| Core capital (leverage) ratio | 10.2394% | 3,065 |
| Tier 1 risk-based capital ratio | 14.7765% | 3,907 |
| Total risk-based capital ratio | 15.9434% | 3,921 |
| Memoranda: | ||
| Average total assets | $21,790,500 | 7,140 |
| Average earning assets | $19,733,500 | 7,118 |
| Average equity | $2,244,000 | 7,113 |
| Average total loans | $17,068,500 | 6,747 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4014% | 1,420 |
| Cost of funding earning assets | 1.2577% | 1,693 |
| Net interest margin | 4.1437% | 2,250 |
| Noninterest income to average assets | 0.8126% | 1,992 |
| Noninterest expense to average assets | 3.9222% | 1,154 |
| Loan and lease loss provision to assets | 0.1785% | 4,407 |
| Net operating income to assets | 0.4321% | 4,724 |
| Return on assets (ROA) | 0.4321% | 4,926 |
| Pretax return on assets | 0.4415% | 5,160 |
| Return on Equity (ROE) | 4.1453% | 4,781 |
| Retained earnings to average equity (ytd only) | 2.6133% | 4,364 |
| Net charge-offs to loans | 0.1979% | 4,558 |
| Credit loss provision to net charge-offs | 115.1515% | 2,834 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,306 |
| Efficiency ratio | 86.3495% | 1,514 |
| Assets per employee ($millions) | 3.0664% | 5,960 |
| Cash dividends to net income (ytd only)* | 36.9565% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,153 |
| Loan loss allowance to noncurrent loans | 32.9545% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 2.5949% | 2,339 |
| Noncurrent loans to loans | 3.0732% | 2,104 |
| Net loans and leases to total assets | 79.2313% | 573 |
| Net loans and leases to deposits | 88.7584% | 1,295 |
| Net loans and leases to core deposits | 91.8751% | 1,897 |
| Total domestic deposits to total assets | 89.2662% | 1,387 |
| Equity capital to assets | 10.4076% | 3,644 |
| Core capital (leverage) ratio | 10.3753% | 2,871 |
| Tier 1 risk-based capital ratio | 15.2045% | 3,509 |
| Total risk-based capital ratio | 16.3888% | 3,518 |
| Memoranda: | ||
| Average total assets | $21,289,000 | 7,173 |
| Average earning assets | $19,161,800 | 7,158 |
| Average equity | $2,219,400 | 7,174 |
| Average total loans | $16,676,400 | 6,815 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3506% | 1,671 |
| Cost of funding earning assets | 1.2713% | 1,855 |
| Net interest margin | 4.0793% | 2,556 |
| Noninterest income to average assets | 0.8033% | 2,040 |
| Noninterest expense to average assets | 3.7341% | 1,427 |
| Loan and lease loss provision to assets | 0.2385% | 3,619 |
| Net operating income to assets | 0.4832% | 4,611 |
| Return on assets (ROA) | 0.4832% | 4,810 |
| Pretax return on assets | 0.4958% | 5,175 |
| Return on Equity (ROE) | 4.6332% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.5131% | 3,509 |
| Net charge-offs to loans | -0.0403% | 7,013 |
| Credit loss provision to net charge-offs | -760.0000% | 6,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5674% | 1,777 |
| Assets per employee ($millions) | 3.0860% | 5,930 |
| Cash dividends to net income (ytd only)* | 2.6008% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 5,327 |
| Loan loss allowance to noncurrent loans | 20.1905% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 4.9949% | 1,152 |
| Noncurrent loans to loans | 6.1125% | 899 |
| Net loans and leases to total assets | 78.5390% | 653 |
| Net loans and leases to deposits | 87.9477% | 1,440 |
| Net loans and leases to core deposits | 92.2617% | 1,973 |
| Total domestic deposits to total assets | 89.3019% | 1,253 |
| Equity capital to assets | 10.4203% | 3,800 |
| Core capital (leverage) ratio | 10.5974% | 2,764 |
| Tier 1 risk-based capital ratio | 15.1368% | 3,589 |
| Total risk-based capital ratio | 16.4548% | 3,508 |
| Memoranda: | ||
| Average total assets | $21,245,000 | 7,248 |
| Average earning assets | $19,087,750 | 7,232 |
| Average equity | $2,215,750 | 7,250 |
| Average total loans | $16,550,250 | 6,889 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2933% | 1,911 |
| Cost of funding earning assets | 1.2918% | 1,994 |
| Net interest margin | 4.0015% | 2,831 |
| Noninterest income to average assets | 0.8236% | 1,918 |
| Noninterest expense to average assets | 3.7679% | 1,401 |
| Loan and lease loss provision to assets | 0.0947% | 5,146 |
| Net operating income to assets | 0.5586% | 4,271 |
| Return on assets (ROA) | 0.5586% | 4,395 |
| Pretax return on assets | 0.5680% | 4,848 |
| Return on Equity (ROE) | 5.3539% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.1724% | 2,895 |
| Net charge-offs to loans | -0.0612% | 7,063 |
| Credit loss provision to net charge-offs | -200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0427% | 1,698 |
| Assets per employee ($millions) | 3.1070% | 5,864 |
| Cash dividends to net income (ytd only)* | 3.3898% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,983 |
| Loan loss allowance to noncurrent loans | 46.4646% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.9541% | 3,302 |
| Noncurrent loans to loans | 2.3550% | 3,038 |
| Net loans and leases to total assets | 76.4679% | 1,011 |
| Net loans and leases to deposits | 85.4845% | 1,861 |
| Net loans and leases to core deposits | 89.6357% | 2,421 |
| Total domestic deposits to total assets | 89.4524% | 1,266 |
| Equity capital to assets | 10.2671% | 3,795 |
| Core capital (leverage) ratio | 10.4107% | 2,812 |
| Tier 1 risk-based capital ratio | 15.0593% | 3,463 |
| Total risk-based capital ratio | 16.3002% | 3,436 |
| Memoranda: | ||
| Average total assets | $21,126,000 | 7,320 |
| Average earning assets | $19,043,000 | 7,306 |
| Average equity | $2,204,000 | 7,315 |
| Average total loans | $16,341,000 | 6,963 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2925% | 1,889 |
| Cost of funding earning assets | 1.3231% | 2,053 |
| Net interest margin | 3.9694% | 2,827 |
| Noninterest income to average assets | 0.8648% | 1,796 |
| Noninterest expense to average assets | 3.7858% | 1,360 |
| Loan and lease loss provision to assets | 0.0769% | 5,036 |
| Net operating income to assets | 0.5573% | 4,251 |
| Return on assets (ROA) | 0.5573% | 4,328 |
| Pretax return on assets | 0.5765% | 4,779 |
| Return on Equity (ROE) | 5.2980% | 4,245 |
| Retained earnings to average equity (ytd only) | 4.9326% | 3,238 |
| Net charge-offs to loans | -0.1242% | 7,146 |
| Credit loss provision to net charge-offs | -80.0000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2814% | 1,800 |
| Assets per employee ($millions) | 3.0294% | 6,097 |
| Cash dividends to net income (ytd only)* | 6.8966% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 6,023 |
| Loan loss allowance to noncurrent loans | 51.5942% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.7637% | 3,623 |
| Noncurrent loans to loans | 2.1423% | 3,389 |
| Net loans and leases to total assets | 75.1014% | 1,161 |
| Net loans and leases to deposits | 83.9890% | 2,034 |
| Net loans and leases to core deposits | 86.9703% | 2,739 |
| Total domestic deposits to total assets | 89.4181% | 1,521 |
| Equity capital to assets | 10.3886% | 3,300 |
| Core capital (leverage) ratio | 10.6077% | 2,500 |
| Tier 1 risk-based capital ratio | 15.2330% | 3,300 |
| Total risk-based capital ratio | 16.4638% | 3,268 |
| Memoranda: | ||
| Average total assets | $20,814,500 | 7,387 |
| Average earning assets | $18,743,500 | 7,366 |
| Average equity | $2,189,500 | 7,373 |
| Average total loans | $16,104,000 | 7,029 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7303% | 1,467 |
| Cost of funding earning assets | 1.5381% | 2,416 |
| Net interest margin | 4.1923% | 2,217 |
| Noninterest income to average assets | 0.8404% | 2,098 |
| Noninterest expense to average assets | 4.0571% | 1,080 |
| Loan and lease loss provision to assets | 0.2301% | 4,982 |
| Net operating income to assets | 0.3252% | 4,851 |
| Return on assets (ROA) | 0.3252% | 5,006 |
| Pretax return on assets | 0.3302% | 5,145 |
| Return on Equity (ROE) | 3.0018% | 4,956 |
| Retained earnings to average equity (ytd only) | 2.7709% | 3,914 |
| Net charge-offs to loans | 0.1839% | 5,203 |
| Credit loss provision to net charge-offs | 158.6207% | 2,215 |
| Earnings coverage of net charge-offs (x) | 3.8621% | 3,158 |
| Efficiency ratio | 87.8657% | 1,493 |
| Assets per employee ($millions) | 2.9176% | 6,278 |
| Cash dividends to net income (ytd only)* | 7.6923% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,152 |
| Loan loss allowance to noncurrent loans | 29.9115% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 2.9085% | 2,410 |
| Noncurrent loans to loans | 3.5084% | 2,153 |
| Net loans and leases to total assets | 78.0248% | 942 |
| Net loans and leases to deposits | 87.4925% | 1,860 |
| Net loans and leases to core deposits | 90.7305% | 2,659 |
| Total domestic deposits to total assets | 89.1789% | 1,547 |
| Equity capital to assets | 10.6547% | 3,019 |
| Core capital (leverage) ratio | 10.3847% | 2,691 |
| Tier 1 risk-based capital ratio | 15.6795% | 2,905 |
| Total risk-based capital ratio | 16.8972% | 2,884 |
| Memoranda: | ||
| Average total assets | $19,989,600 | 7,465 |
| Average earning assets | $18,009,400 | 7,449 |
| Average equity | $2,165,400 | 7,477 |
| Average total loans | $15,773,400 | 7,128 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7789% | 1,459 |
| Cost of funding earning assets | 1.5619% | 2,599 |
| Net interest margin | 4.2170% | 2,159 |
| Noninterest income to average assets | 0.8249% | 2,103 |
| Noninterest expense to average assets | 3.8628% | 1,256 |
| Loan and lease loss provision to assets | 0.1006% | 6,016 |
| Net operating income to assets | 0.6572% | 3,615 |
| Return on assets (ROA) | 0.6572% | 3,779 |
| Pretax return on assets | 0.6639% | 4,372 |
| Return on Equity (ROE) | 6.0414% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.8564% | 2,437 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4783% | 1,894 |
| Assets per employee ($millions) | 2.9670% | 6,232 |
| Cash dividends to net income (ytd only)* | 3.0614% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,202 |
| Loan loss allowance to noncurrent loans | 33.1349% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 2.7011% | 2,674 |
| Noncurrent loans to loans | 3.1470% | 2,533 |
| Net loans and leases to total assets | 76.3060% | 1,349 |
| Net loans and leases to deposits | 85.5816% | 2,428 |
| Net loans and leases to core deposits | 89.9688% | 3,096 |
| Total domestic deposits to total assets | 89.1617% | 1,307 |
| Equity capital to assets | 10.6457% | 3,354 |
| Core capital (leverage) ratio | 11.0550% | 2,223 |
| Tier 1 risk-based capital ratio | 15.3723% | 3,063 |
| Total risk-based capital ratio | 16.5334% | 3,073 |
| Memoranda: | ||
| Average total assets | $19,881,250 | 7,570 |
| Average earning assets | $17,926,750 | 7,547 |
| Average equity | $2,162,750 | 7,578 |
| Average total loans | $15,690,750 | 7,223 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8320% | 1,342 |
| Cost of funding earning assets | 1.5627% | 2,883 |
| Net interest margin | 4.2692% | 1,894 |
| Noninterest income to average assets | 0.9088% | 1,660 |
| Noninterest expense to average assets | 3.9417% | 1,112 |
| Loan and lease loss provision to assets | 0.0919% | 5,999 |
| Net operating income to assets | 0.7148% | 3,333 |
| Return on assets (ROA) | 0.7148% | 3,489 |
| Pretax return on assets | 0.7250% | 4,154 |
| Return on Equity (ROE) | 6.5217% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.2422% | 2,202 |
| Net charge-offs to loans | 0.0128% | 6,165 |
| Credit loss provision to net charge-offs | 900.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 396 |
| Efficiency ratio | 82.8326% | 2,064 |
| Assets per employee ($millions) | 2.8389% | 6,484 |
| Cash dividends to net income (ytd only)* | 4.2857% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,374 |
| Loan loss allowance to noncurrent loans | 33.4029% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 2.5715% | 2,820 |
| Noncurrent loans to loans | 3.0101% | 2,671 |
| Net loans and leases to total assets | 79.2723% | 906 |
| Net loans and leases to deposits | 89.3128% | 1,959 |
| Net loans and leases to core deposits | 94.1208% | 2,697 |
| Total domestic deposits to total assets | 88.7581% | 1,566 |
| Equity capital to assets | 10.9853% | 2,877 |
| Core capital (leverage) ratio | 11.0319% | 2,215 |
| Tier 1 risk-based capital ratio | 16.0515% | 2,649 |
| Total risk-based capital ratio | 17.2279% | 2,646 |
| Memoranda: | ||
| Average total assets | $19,585,330 | 7,637 |
| Average earning assets | $17,661,330 | 7,621 |
| Average equity | $2,146,670 | 7,636 |
| Average total loans | $15,582,670 | 7,282 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7921% | 1,488 |
| Cost of funding earning assets | 1.5339% | 3,356 |
| Net interest margin | 4.2582% | 1,830 |
| Noninterest income to average assets | 0.8024% | 2,008 |
| Noninterest expense to average assets | 4.0325% | 982 |
| Loan and lease loss provision to assets | 0.0411% | 6,263 |
| Net operating income to assets | 0.5555% | 4,109 |
| Return on assets (ROA) | 0.5555% | 4,251 |
| Pretax return on assets | 0.5555% | 4,766 |
| Return on Equity (ROE) | 5.0740% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.5102% | 3,453 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1111% | 1,674 |
| Assets per employee ($millions) | 2.8440% | 6,537 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,487 |
| Loan loss allowance to noncurrent loans | 60.8696% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 4,360 |
| Noncurrent loans to loans | 1.6395% | 4,290 |
| Net loans and leases to total assets | 76.7430% | 1,382 |
| Net loans and leases to deposits | 86.2725% | 2,536 |
| Net loans and leases to core deposits | 88.0120% | 3,626 |
| Total domestic deposits to total assets | 88.9542% | 1,541 |
| Equity capital to assets | 10.7545% | 2,999 |
| Core capital (leverage) ratio | 10.9761% | 2,246 |
| Tier 1 risk-based capital ratio | 15.5675% | 2,842 |
| Total risk-based capital ratio | 16.6873% | 2,846 |
| Memoranda: | ||
| Average total assets | $19,442,000 | 7,735 |
| Average earning assets | $17,472,000 | 7,719 |
| Average equity | $2,128,500 | 7,722 |
| Average total loans | $15,417,500 | 7,383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2556% | 1,104 |
| Cost of funding earning assets | 1.8661% | 3,642 |
| Net interest margin | 4.3895% | 1,466 |
| Noninterest income to average assets | 0.9395% | 1,788 |
| Noninterest expense to average assets | 4.2904% | 1,002 |
| Loan and lease loss provision to assets | 0.2453% | 5,421 |
| Net operating income to assets | 0.3027% | 4,528 |
| Return on assets (ROA) | 0.3027% | 4,602 |
| Pretax return on assets | 0.3079% | 4,736 |
| Return on Equity (ROE) | 2.7042% | 4,624 |
| Retained earnings to average equity (ytd only) | 0.5595% | 4,589 |
| Net charge-offs to loans | 0.1533% | 5,734 |
| Credit loss provision to net charge-offs | 204.3478% | 1,894 |
| Earnings coverage of net charge-offs (x) | 4.6087% | 2,886 |
| Efficiency ratio | 88.5776% | 1,834 |
| Assets per employee ($millions) | 2.7109% | 6,833 |
| Cash dividends to net income (ytd only)* | 79.3103% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,458 |
| Loan loss allowance to noncurrent loans | 58.4615% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 4,072 |
| Noncurrent loans to loans | 1.6880% | 4,115 |
| Net loans and leases to total assets | 80.3699% | 928 |
| Net loans and leases to deposits | 90.7852% | 2,083 |
| Net loans and leases to core deposits | 101.9043% | 3,808 |
| Total domestic deposits to total assets | 88.5276% | 1,715 |
| Equity capital to assets | 11.1509% | 2,580 |
| Core capital (leverage) ratio | 10.8435% | 2,319 |
| Tier 1 risk-based capital ratio | 16.6588% | 2,252 |
| Total risk-based capital ratio | 17.8555% | 2,225 |
| Memoranda: | ||
| Average total assets | $19,159,200 | 7,799 |
| Average earning assets | $17,040,800 | 7,787 |
| Average equity | $2,144,800 | 7,814 |
| Average total loans | $15,006,000 | 7,457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2562% | 1,224 |
| Cost of funding earning assets | 1.9088% | 3,834 |
| Net interest margin | 4.3474% | 1,595 |
| Noninterest income to average assets | 0.8886% | 2,033 |
| Noninterest expense to average assets | 4.0128% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7428% | 3,052 |
| Return on assets (ROA) | 0.7428% | 3,106 |
| Pretax return on assets | 0.7498% | 3,699 |
| Return on Equity (ROE) | 6.6292% | 3,249 |
| Retained earnings to average equity (ytd only) | 5.6998% | 2,100 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2566% | 2,269 |
| Assets per employee ($millions) | 2.7549% | 6,725 |
| Cash dividends to net income (ytd only)* | 14.0193% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 6,889 |
| Loan loss allowance to noncurrent loans | 33.5065% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1624% | 3,143 |
| Noncurrent loans to loans | 2.5929% | 2,912 |
| Net loans and leases to total assets | 76.3275% | 1,926 |
| Net loans and leases to deposits | 86.4045% | 3,242 |
| Net loans and leases to core deposits | 99.8779% | 4,386 |
| Total domestic deposits to total assets | 88.3375% | 1,502 |
| Equity capital to assets | 11.3877% | 2,677 |
| Core capital (leverage) ratio | 11.4908% | 2,081 |
| Tier 1 risk-based capital ratio | 16.6692% | 2,367 |
| Total risk-based capital ratio | 17.6484% | 2,415 |
| Memoranda: | ||
| Average total assets | $19,205,000 | 7,869 |
| Average earning assets | $17,113,250 | 7,870 |
| Average equity | $2,152,000 | 7,891 |
| Average total loans | $14,906,750 | 7,528 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2649% | 1,298 |
| Cost of funding earning assets | 1.9636% | 3,948 |
| Net interest margin | 4.3012% | 1,651 |
| Noninterest income to average assets | 0.8968% | 2,003 |
| Noninterest expense to average assets | 3.9523% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7717% | 2,961 |
| Return on assets (ROA) | 0.7717% | 3,067 |
| Pretax return on assets | 0.7821% | 3,733 |
| Return on Equity (ROE) | 6.9245% | 3,239 |
| Retained earnings to average equity (ytd only) | 6.7374% | 1,688 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4802% | 2,547 |
| Assets per employee ($millions) | 2.7496% | 6,736 |
| Cash dividends to net income (ytd only)* | 2.7027% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 7,010 |
| Loan loss allowance to noncurrent loans | 48.8550% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5275% | 3,933 |
| Noncurrent loans to loans | 1.7244% | 3,920 |
| Net loans and leases to total assets | 78.2771% | 1,683 |
| Net loans and leases to deposits | 88.6496% | 3,065 |
| Net loans and leases to core deposits | 104.0398% | 4,057 |
| Total domestic deposits to total assets | 88.2995% | 1,626 |
| Equity capital to assets | 11.3057% | 2,677 |
| Core capital (leverage) ratio | 11.2461% | 2,231 |
| Tier 1 risk-based capital ratio | 16.7333% | 2,388 |
| Total risk-based capital ratio | 17.7176% | 2,399 |
| Memoranda: | ||
| Average total assets | $19,178,670 | 7,953 |
| Average earning assets | $17,111,330 | 7,943 |
| Average equity | $2,137,330 | 7,977 |
| Average total loans | $14,926,330 | 7,600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2211% | 1,530 |
| Cost of funding earning assets | 2.0347% | 3,958 |
| Net interest margin | 4.1864% | 1,949 |
| Noninterest income to average assets | 0.7522% | 2,586 |
| Noninterest expense to average assets | 3.8444% | 1,394 |
| Loan and lease loss provision to assets | 0.0209% | 6,635 |
| Net operating income to assets | 0.6268% | 3,902 |
| Return on assets (ROA) | 0.6268% | 4,085 |
| Pretax return on assets | 0.6268% | 4,669 |
| Return on Equity (ROE) | 5.6657% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.2880% | 2,968 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5814% | 2,123 |
| Assets per employee ($millions) | 2.7886% | 6,681 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 6,880 |
| Loan loss allowance to noncurrent loans | 43.2886% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 1.5932% | 3,529 |
| Noncurrent loans to loans | 2.0075% | 3,252 |
| Net loans and leases to total assets | 75.3842% | 2,411 |
| Net loans and leases to deposits | 84.9743% | 3,829 |
| Net loans and leases to core deposits | 100.7256% | 4,470 |
| Total domestic deposits to total assets | 88.7141% | 1,375 |
| Equity capital to assets | 10.9221% | 3,040 |
| Core capital (leverage) ratio | 11.1175% | 2,410 |
| Tier 1 risk-based capital ratio | 15.9235% | 2,714 |
| Total risk-based capital ratio | 16.8870% | 2,740 |
| Memoranda: | ||
| Average total assets | $19,144,500 | 8,006 |
| Average earning assets | $17,103,000 | 7,990 |
| Average equity | $2,118,000 | 8,031 |
| Average total loans | $14,792,500 | 7,647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9540% | 1,251 |
| Cost of funding earning assets | 2.6054% | 3,664 |
| Net interest margin | 4.3486% | 1,831 |
| Noninterest income to average assets | 0.8457% | 2,255 |
| Noninterest expense to average assets | 4.1236% | 1,241 |
| Loan and lease loss provision to assets | 0.2100% | 4,790 |
| Net operating income to assets | 0.5030% | 4,724 |
| Return on assets (ROA) | 0.5030% | 4,567 |
| Pretax return on assets | 0.3869% | 5,299 |
| Return on Equity (ROE) | 4.3383% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.2407% | 3,820 |
| Net charge-offs to loans | 0.3411% | 3,127 |
| Credit loss provision to net charge-offs | 79.1667% | 5,915 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,953 |
| Efficiency ratio | 87.3536% | 1,737 |
| Assets per employee ($millions) | 2.6813% | 6,824 |
| Cash dividends to net income (ytd only)* | 48.3516% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 6,818 |
| Loan loss allowance to noncurrent loans | 56.1404% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 3,659 |
| Noncurrent loans to loans | 1.5467% | 3,475 |
| Net loans and leases to total assets | 77.8571% | 2,178 |
| Net loans and leases to deposits | 87.9877% | 3,807 |
| Net loans and leases to core deposits | 103.2502% | 4,475 |
| Total domestic deposits to total assets | 88.4863% | 1,257 |
| Equity capital to assets | 11.2100% | 2,878 |
| Core capital (leverage) ratio | 11.5936% | 2,195 |
| Tier 1 risk-based capital ratio | 16.3050% | 2,551 |
| Total risk-based capital ratio | 17.2970% | 2,590 |
| Memoranda: | ||
| Average total assets | $18,091,200 | 8,073 |
| Average earning assets | $16,120,200 | 8,068 |
| Average equity | $2,097,600 | 8,105 |
| Average total loans | $14,072,200 | 7,701 |