Home > Bank of Denton > Performance and Condition Ratios
Bank of Denton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0217% | 4,519 |
| Cost of funding earning assets | 0.9424% | 3,431 |
| Net interest margin | 2.0793% | 4,387 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.7277% | 4,105 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3880% | 3,898 |
| Return on assets (ROA) | 0.3880% | 3,887 |
| Pretax return on assets | 0.4779% | 3,850 |
| Return on Equity (ROE) | 2.5600% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.5631% | 3,421 |
| Net charge-offs to loans | 0.0084% | 2,347 |
| Credit loss provision to net charge-offs | 200.0000% | 1,224 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 823 |
| Efficiency ratio | 78.0443% | 1,067 |
| Assets per employee ($millions) | 6.1970% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 2,731 |
| Loan loss allowance to noncurrent loans | 125.6881% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 485 |
| Noncurrent loans to loans | 0.8910% | 846 |
| Net loans and leases to total assets | 48.8000% | 3,673 |
| Net loans and leases to deposits | 57.7017% | 3,640 |
| Net loans and leases to core deposits | 57.7017% | 3,846 |
| Total domestic deposits to total assets | 84.5700% | 2,447 |
| Equity capital to assets | 15.1888% | 536 |
| Core capital (leverage) ratio | 15.2621% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $24,484,000 | 4,502 |
| Average earning assets | $23,132,400 | 4,462 |
| Average equity | $3,706,400 | 4,375 |
| Average total loans | $11,902,800 | 4,391 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9275% | 4,545 |
| Cost of funding earning assets | 0.9296% | 3,202 |
| Net interest margin | 1.9979% | 4,440 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.7371% | 4,070 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.3059% | 4,110 |
| Return on assets (ROA) | 0.3059% | 4,114 |
| Pretax return on assets | 0.3933% | 4,073 |
| Return on Equity (ROE) | 2.0200% | 4,195 |
| Retained earnings to average equity (ytd only) | 2.0225% | 3,725 |
| Net charge-offs to loans | 0.0113% | 1,984 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 1,092 |
| Efficiency ratio | 81.1224% | 793 |
| Assets per employee ($millions) | 6.0988% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,650 |
| Loan loss allowance to noncurrent loans | 42.1538% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 309 |
| Noncurrent loans to loans | 2.7151% | 170 |
| Net loans and leases to total assets | 48.5100% | 3,711 |
| Net loans and leases to deposits | 57.8376% | 3,614 |
| Net loans and leases to core deposits | 57.8376% | 3,784 |
| Total domestic deposits to total assets | 83.8700% | 2,814 |
| Equity capital to assets | 15.2736% | 504 |
| Core capital (leverage) ratio | 15.1316% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $24,408,000 | 4,529 |
| Average earning assets | $23,090,750 | 4,491 |
| Average equity | $3,691,750 | 4,391 |
| Average total loans | $11,820,250 | 4,415 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8308% | 4,582 |
| Cost of funding earning assets | 0.9148% | 2,882 |
| Net interest margin | 1.9160% | 4,516 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.7041% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2704% | 4,202 |
| Return on assets (ROA) | 0.2704% | 4,231 |
| Pretax return on assets | 0.3441% | 4,187 |
| Return on Equity (ROE) | 1.7900% | 4,295 |
| Retained earnings to average equity (ytd only) | 1.7933% | 3,759 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.2000% | 644 |
| Assets per employee ($millions) | 6.0600% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,610 |
| Loan loss allowance to noncurrent loans | 51.5152% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 401 |
| Noncurrent loans to loans | 2.2655% | 218 |
| Net loans and leases to total assets | 47.5100% | 3,714 |
| Net loans and leases to deposits | 56.2408% | 3,629 |
| Net loans and leases to core deposits | 56.2408% | 3,806 |
| Total domestic deposits to total assets | 84.4800% | 2,701 |
| Equity capital to assets | 15.2805% | 496 |
| Core capital (leverage) ratio | 15.2209% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $24,412,333 | 4,555 |
| Average earning assets | $23,173,667 | 4,517 |
| Average equity | $3,680,333 | 4,421 |
| Average total loans | $11,770,333 | 4,440 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8287% | 4,600 |
| Cost of funding earning assets | 0.9257% | 2,290 |
| Net interest margin | 1.9029% | 4,586 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.9593% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0816% | 4,525 |
| Return on assets (ROA) | -0.0816% | 4,510 |
| Pretax return on assets | 0.0816% | 4,416 |
| Return on Equity (ROE) | -0.5500% | 4,473 |
| Retained earnings to average equity (ytd only) | -0.5452% | 4,090 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.0000% | 221 |
| Assets per employee ($millions) | 6.1593% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,692 |
| Loan loss allowance to noncurrent loans | 53.3333% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0350% | 394 |
| Noncurrent loans to loans | 2.2030% | 238 |
| Net loans and leases to total assets | 46.4300% | 3,754 |
| Net loans and leases to deposits | 54.7007% | 3,639 |
| Net loans and leases to core deposits | 54.7007% | 3,804 |
| Total domestic deposits to total assets | 84.8800% | 2,884 |
| Equity capital to assets | 14.8801% | 491 |
| Core capital (leverage) ratio | 14.8067% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $24,498,500 | 4,612 |
| Average earning assets | $23,332,500 | 4,577 |
| Average equity | $3,668,500 | 4,485 |
| Average total loans | $11,829,000 | 4,502 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 4,422 |
| Cost of funding earning assets | 0.5203% | 1,265 |
| Net interest margin | 2.1499% | 4,498 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.6838% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4223% | 4,223 |
| Return on assets (ROA) | 0.4159% | 4,191 |
| Pretax return on assets | 0.5382% | 4,116 |
| Return on Equity (ROE) | 2.8200% | 4,313 |
| Retained earnings to average equity (ytd only) | 2.8167% | 3,775 |
| Net charge-offs to loans | 0.0427% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,749 |
| Efficiency ratio | 75.5027% | 1,068 |
| Assets per employee ($millions) | 6.0900% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 2,756 |
| Loan loss allowance to noncurrent loans | 125.9259% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 1,148 |
| Noncurrent loans to loans | 0.8938% | 829 |
| Net loans and leases to total assets | 49.0400% | 3,581 |
| Net loans and leases to deposits | 63.7718% | 3,059 |
| Net loans and leases to core deposits | 63.7718% | 3,278 |
| Total domestic deposits to total assets | 76.9000% | 4,182 |
| Equity capital to assets | 15.0698% | 463 |
| Core capital (leverage) ratio | 15.0328% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $24,527,400 | 4,650 |
| Average earning assets | $23,256,400 | 4,616 |
| Average equity | $3,621,200 | 4,557 |
| Average total loans | $11,721,000 | 4,531 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6649% | 4,322 |
| Cost of funding earning assets | 0.4356% | 1,064 |
| Net interest margin | 2.2294% | 4,450 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.6823% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4667% | 4,136 |
| Return on assets (ROA) | 0.4667% | 4,083 |
| Pretax return on assets | 0.6132% | 3,965 |
| Return on Equity (ROE) | 3.1800% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.1774% | 3,730 |
| Net charge-offs to loans | 0.0344% | 1,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,415 |
| Efficiency ratio | 73.2861% | 1,352 |
| Assets per employee ($millions) | 6.1678% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,657 |
| Loan loss allowance to noncurrent loans | 191.6667% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 1,784 |
| Noncurrent loans to loans | 0.6140% | 1,320 |
| Net loans and leases to total assets | 46.9700% | 3,704 |
| Net loans and leases to deposits | 56.9176% | 3,410 |
| Net loans and leases to core deposits | 56.9176% | 3,568 |
| Total domestic deposits to total assets | 82.5300% | 3,750 |
| Equity capital to assets | 14.8109% | 471 |
| Core capital (leverage) ratio | 14.6818% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $24,569,250 | 4,684 |
| Average earning assets | $23,264,750 | 4,650 |
| Average equity | $3,608,750 | 4,605 |
| Average total loans | $11,630,500 | 4,570 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6459% | 4,226 |
| Cost of funding earning assets | 0.3792% | 1,049 |
| Net interest margin | 2.2667% | 4,364 |
| Noninterest income to average assets | 0.1712% | 4,150 |
| Noninterest expense to average assets | 1.7037% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4076% | 4,094 |
| Return on assets (ROA) | 0.4076% | 4,044 |
| Pretax return on assets | 0.6114% | 3,793 |
| Return on Equity (ROE) | 2.7827% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.7827% | 3,516 |
| Net charge-offs to loans | 0.0345% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,288 |
| Efficiency ratio | 73.5915% | 1,559 |
| Assets per employee ($millions) | 6.2638% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,657 |
| Loan loss allowance to noncurrent loans | 210.6061% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 1,990 |
| Noncurrent loans to loans | 0.5723% | 1,476 |
| Net loans and leases to total assets | 45.4720% | 3,741 |
| Net loans and leases to deposits | 53.2831% | 3,587 |
| Net loans and leases to core deposits | 53.2831% | 3,738 |
| Total domestic deposits to total assets | 85.3403% | 3,405 |
| Equity capital to assets | 14.4402% | 470 |
| Core capital (leverage) ratio | 14.4397% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,535,333 | 4,719 |
| Average earning assets | $23,205,667 | 4,700 |
| Average equity | $3,593,667 | 4,644 |
| Average total loans | $11,598,333 | 4,636 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6856% | 3,973 |
| Cost of funding earning assets | 0.3662% | 1,086 |
| Net interest margin | 2.3194% | 4,204 |
| Noninterest income to average assets | 0.1318% | 4,353 |
| Noninterest expense to average assets | 1.6642% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4449% | 3,858 |
| Return on assets (ROA) | 0.4449% | 3,824 |
| Pretax return on assets | 0.6591% | 3,497 |
| Return on Equity (ROE) | 3.0155% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.0155% | 3,256 |
| Net charge-offs to loans | 0.1032% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,393 |
| Efficiency ratio | 71.6312% | 2,025 |
| Assets per employee ($millions) | 8.5120% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,831 |
| Loan loss allowance to noncurrent loans | 81.6568% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 886 |
| Noncurrent loans to loans | 1.4761% | 566 |
| Net loans and leases to total assets | 44.2943% | 3,720 |
| Net loans and leases to deposits | 51.6862% | 3,591 |
| Net loans and leases to core deposits | 51.6862% | 3,756 |
| Total domestic deposits to total assets | 85.6986% | 3,343 |
| Equity capital to assets | 14.0782% | 519 |
| Core capital (leverage) ratio | 14.4059% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,275,500 | 4,744 |
| Average earning assets | $22,937,000 | 4,722 |
| Average equity | $3,581,500 | 4,681 |
| Average total loans | $11,631,500 | 4,663 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7697% | 4,244 |
| Cost of funding earning assets | 0.3929% | 1,595 |
| Net interest margin | 2.3768% | 4,347 |
| Noninterest income to average assets | 0.2448% | 3,906 |
| Noninterest expense to average assets | 1.9088% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4262% | 4,230 |
| Return on assets (ROA) | 0.4262% | 4,270 |
| Pretax return on assets | 0.5305% | 4,207 |
| Return on Equity (ROE) | 2.6708% | 4,417 |
| Retained earnings to average equity (ytd only) | 2.6708% | 3,774 |
| Net charge-offs to loans | 0.0519% | 1,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,876 |
| Efficiency ratio | 78.2528% | 928 |
| Assets per employee ($millions) | 7.6717% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,915 |
| Loan loss allowance to noncurrent loans | 67.4641% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 646 |
| Noncurrent loans to loans | 1.7691% | 482 |
| Net loans and leases to total assets | 50.7191% | 3,199 |
| Net loans and leases to deposits | 62.2693% | 2,855 |
| Net loans and leases to core deposits | 62.2693% | 3,136 |
| Total domestic deposits to total assets | 81.4512% | 4,047 |
| Equity capital to assets | 15.5029% | 434 |
| Core capital (leverage) ratio | 15.4152% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,055,200 | 4,796 |
| Average earning assets | $20,363,200 | 4,777 |
| Average equity | $3,519,600 | 4,740 |
| Average total loans | $11,571,000 | 4,704 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8053% | 4,295 |
| Cost of funding earning assets | 0.4055% | 1,661 |
| Net interest margin | 2.3998% | 4,395 |
| Noninterest income to average assets | 0.2445% | 3,930 |
| Noninterest expense to average assets | 1.9313% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4339% | 4,323 |
| Return on assets (ROA) | 0.4339% | 4,355 |
| Pretax return on assets | 0.5195% | 4,344 |
| Return on Equity (ROE) | 2.6989% | 4,501 |
| Retained earnings to average equity (ytd only) | 2.6989% | 4,001 |
| Net charge-offs to loans | 0.1390% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.0833% | 2,153 |
| Efficiency ratio | 78.8030% | 819 |
| Assets per employee ($millions) | 7.5183% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 3,247 |
| Loan loss allowance to noncurrent loans | 73.3696% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 868 |
| Noncurrent loans to loans | 1.5562% | 670 |
| Net loans and leases to total assets | 51.8244% | 3,205 |
| Net loans and leases to deposits | 61.6639% | 3,073 |
| Net loans and leases to core deposits | 61.6639% | 3,349 |
| Total domestic deposits to total assets | 84.0434% | 3,446 |
| Equity capital to assets | 15.7171% | 449 |
| Core capital (leverage) ratio | 15.6963% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,815,250 | 4,869 |
| Average earning assets | $20,056,750 | 4,851 |
| Average equity | $3,507,500 | 4,811 |
| Average total loans | $11,510,250 | 4,774 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8151% | 4,327 |
| Cost of funding earning assets | 0.4152% | 1,760 |
| Net interest margin | 2.4000% | 4,419 |
| Noninterest income to average assets | 0.2782% | 3,748 |
| Noninterest expense to average assets | 1.9565% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4729% | 4,275 |
| Return on assets (ROA) | 0.4729% | 4,316 |
| Pretax return on assets | 0.5193% | 4,359 |
| Return on Equity (ROE) | 2.9185% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.9185% | 3,862 |
| Net charge-offs to loans | 0.0351% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,349 |
| Efficiency ratio | 79.0262% | 846 |
| Assets per employee ($millions) | 7.4910% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,435 |
| Loan loss allowance to noncurrent loans | 80.1105% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 1,000 |
| Noncurrent loans to loans | 1.6233% | 673 |
| Net loans and leases to total assets | 48.9699% | 3,647 |
| Net loans and leases to deposits | 58.2368% | 3,525 |
| Net loans and leases to core deposits | 58.2368% | 3,748 |
| Total domestic deposits to total assets | 84.0876% | 3,405 |
| Equity capital to assets | 15.6855% | 447 |
| Core capital (leverage) ratio | 15.4660% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,568,667 | 4,906 |
| Average earning assets | $19,750,333 | 4,887 |
| Average equity | $3,495,000 | 4,847 |
| Average total loans | $11,405,667 | 4,814 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9055% | 4,246 |
| Cost of funding earning assets | 0.4421% | 1,781 |
| Net interest margin | 2.4634% | 4,352 |
| Noninterest income to average assets | 0.3978% | 3,103 |
| Noninterest expense to average assets | 2.2352% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2273% | 4,612 |
| Return on assets (ROA) | 0.2273% | 4,636 |
| Pretax return on assets | 0.3789% | 4,519 |
| Return on Equity (ROE) | 1.3793% | 4,673 |
| Retained earnings to average equity (ytd only) | 1.3793% | 4,151 |
| Net charge-offs to loans | 0.1734% | 456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 1,746 |
| Efficiency ratio | 85.5072% | 532 |
| Assets per employee ($millions) | 7.5137% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,663 |
| Loan loss allowance to noncurrent loans | 99.3007% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 1,497 |
| Noncurrent loans to loans | 1.2591% | 1,030 |
| Net loans and leases to total assets | 49.7538% | 3,650 |
| Net loans and leases to deposits | 59.0294% | 3,560 |
| Net loans and leases to core deposits | 59.0294% | 3,769 |
| Total domestic deposits to total assets | 84.2864% | 3,346 |
| Equity capital to assets | 15.4652% | 441 |
| Core capital (leverage) ratio | 16.3847% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,116,500 | 4,936 |
| Average earning assets | $18,998,500 | 4,920 |
| Average equity | $3,480,000 | 4,870 |
| Average total loans | $11,533,500 | 4,837 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 3,763 |
| Cost of funding earning assets | 0.5093% | 2,890 |
| Net interest margin | 3.1079% | 3,611 |
| Noninterest income to average assets | 0.2400% | 4,064 |
| Noninterest expense to average assets | 2.4480% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5493% | 3,908 |
| Return on assets (ROA) | 0.5493% | 4,002 |
| Pretax return on assets | 0.6560% | 3,971 |
| Return on Equity (ROE) | 2.9984% | 4,380 |
| Retained earnings to average equity (ytd only) | 2.9984% | 3,356 |
| Net charge-offs to loans | -0.0815% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8660% | 973 |
| Assets per employee ($millions) | 4.9230% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,642 |
| Loan loss allowance to noncurrent loans | 105.7554% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 1,476 |
| Noncurrent loans to loans | 1.1870% | 1,192 |
| Net loans and leases to total assets | 58.7193% | 3,010 |
| Net loans and leases to deposits | 71.5222% | 2,730 |
| Net loans and leases to core deposits | 71.5222% | 3,127 |
| Total domestic deposits to total assets | 82.0993% | 3,641 |
| Equity capital to assets | 17.6417% | 293 |
| Core capital (leverage) ratio | 17.3996% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,749,800 | 4,963 |
| Average earning assets | $17,278,600 | 4,948 |
| Average equity | $3,435,200 | 4,887 |
| Average total loans | $12,275,000 | 4,858 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 3,725 |
| Cost of funding earning assets | 0.5152% | 3,136 |
| Net interest margin | 3.2160% | 3,443 |
| Noninterest income to average assets | 0.2376% | 4,074 |
| Noninterest expense to average assets | 2.3333% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7634% | 3,236 |
| Return on assets (ROA) | 0.7634% | 3,353 |
| Pretax return on assets | 0.8714% | 3,464 |
| Return on Equity (ROE) | 4.1258% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.1258% | 2,982 |
| Net charge-offs to loans | -0.0859% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8090% | 1,543 |
| Assets per employee ($millions) | 4.7433% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,694 |
| Loan loss allowance to noncurrent loans | 85.2941% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 1,284 |
| Noncurrent loans to loans | 1.4004% | 1,037 |
| Net loans and leases to total assets | 63.2161% | 2,862 |
| Net loans and leases to deposits | 77.6562% | 2,566 |
| Net loans and leases to core deposits | 77.6562% | 3,042 |
| Total domestic deposits to total assets | 81.4052% | 3,563 |
| Equity capital to assets | 18.3208% | 282 |
| Core capital (leverage) ratio | 18.3324% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,514,250 | 4,992 |
| Average earning assets | $17,080,750 | 4,982 |
| Average equity | $3,425,500 | 4,913 |
| Average total loans | $12,416,250 | 4,881 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,807 |
| Cost of funding earning assets | 0.5340% | 3,323 |
| Net interest margin | 3.2869% | 3,418 |
| Noninterest income to average assets | 0.2287% | 4,116 |
| Noninterest expense to average assets | 2.3092% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8714% | 2,801 |
| Return on assets (ROA) | 0.8714% | 2,922 |
| Pretax return on assets | 0.9368% | 3,211 |
| Return on Equity (ROE) | 4.6939% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.6939% | 2,610 |
| Net charge-offs to loans | -0.0480% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1409% | 1,802 |
| Assets per employee ($millions) | 4.5858% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,722 |
| Loan loss allowance to noncurrent loans | 73.6842% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 1,144 |
| Noncurrent loans to loans | 1.5758% | 947 |
| Net loans and leases to total assets | 64.9676% | 2,760 |
| Net loans and leases to deposits | 80.2870% | 2,392 |
| Net loans and leases to core deposits | 80.2870% | 2,924 |
| Total domestic deposits to total assets | 80.9192% | 3,629 |
| Equity capital to assets | 18.8137% | 243 |
| Core capital (leverage) ratio | 18.8755% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,361,333 | 5,024 |
| Average earning assets | $16,854,667 | 5,014 |
| Average equity | $3,408,667 | 4,944 |
| Average total loans | $12,508,667 | 4,912 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 4,036 |
| Cost of funding earning assets | 0.5706% | 3,589 |
| Net interest margin | 3.3285% | 3,524 |
| Noninterest income to average assets | 0.2613% | 3,977 |
| Noninterest expense to average assets | 2.5258% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7403% | 3,130 |
| Return on assets (ROA) | 0.7403% | 3,209 |
| Pretax return on assets | 0.7839% | 3,455 |
| Return on Equity (ROE) | 4.0148% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.0148% | 2,676 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 1,531 |
| Assets per employee ($millions) | 4.5703% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,189 |
| Loan loss allowance to noncurrent loans | 66.1836% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 1,134 |
| Noncurrent loans to loans | 1.6653% | 924 |
| Net loans and leases to total assets | 67.2447% | 2,660 |
| Net loans and leases to deposits | 82.9319% | 2,341 |
| Net loans and leases to core deposits | 82.9319% | 2,939 |
| Total domestic deposits to total assets | 81.0842% | 3,644 |
| Equity capital to assets | 18.6204% | 314 |
| Core capital (leverage) ratio | 18.7621% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,370,500 | 5,073 |
| Average earning assets | $16,824,500 | 5,061 |
| Average equity | $3,387,500 | 4,993 |
| Average total loans | $12,734,500 | 4,948 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,487 |
| Cost of funding earning assets | 0.6265% | 3,527 |
| Net interest margin | 3.2401% | 4,110 |
| Noninterest income to average assets | 0.2920% | 3,941 |
| Noninterest expense to average assets | 2.5457% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6557% | 4,001 |
| Return on assets (ROA) | 0.6557% | 4,072 |
| Pretax return on assets | 0.7384% | 4,115 |
| Return on Equity (ROE) | 3.5236% | 4,570 |
| Retained earnings to average equity (ytd only) | 3.5236% | 3,241 |
| Net charge-offs to loans | 0.0413% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,688 |
| Efficiency ratio | 77.5168% | 1,203 |
| Assets per employee ($millions) | 4.6150% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,211 |
| Loan loss allowance to noncurrent loans | 100.7353% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 1,760 |
| Noncurrent loans to loans | 1.0430% | 1,448 |
| Net loans and leases to total assets | 69.8917% | 2,414 |
| Net loans and leases to deposits | 88.1465% | 1,825 |
| Net loans and leases to core deposits | 88.1465% | 2,586 |
| Total domestic deposits to total assets | 79.2904% | 4,121 |
| Equity capital to assets | 18.2611% | 347 |
| Core capital (leverage) ratio | 18.6387% | 300 |
| Tier 1 risk-based capital ratio | 27.9103% | 564 |
| Total risk-based capital ratio | 29.0445% | 563 |
| Memoranda: | ||
| Average total assets | $18,148,200 | 5,130 |
| Average earning assets | $16,758,800 | 5,122 |
| Average equity | $3,377,200 | 5,049 |
| Average total loans | $12,116,000 | 5,029 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,617 |
| Cost of funding earning assets | 0.6367% | 3,509 |
| Net interest margin | 3.2074% | 4,281 |
| Noninterest income to average assets | 0.2878% | 4,009 |
| Noninterest expense to average assets | 2.2504% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9223% | 3,268 |
| Return on assets (ROA) | 0.9223% | 3,343 |
| Pretax return on assets | 1.0108% | 3,557 |
| Return on Equity (ROE) | 4.9326% | 4,347 |
| Retained earnings to average equity (ytd only) | 4.9326% | 2,922 |
| Net charge-offs to loans | 0.0673% | 1,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.8325% | 1,853 |
| Efficiency ratio | 69.0045% | 2,258 |
| Assets per employee ($millions) | 4.5780% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,816 |
| Loan loss allowance to noncurrent loans | 108.8000% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6826% | 1,989 |
| Noncurrent loans to loans | 1.0499% | 1,525 |
| Net loans and leases to total assets | 64.2748% | 3,259 |
| Net loans and leases to deposits | 79.0888% | 3,002 |
| Net loans and leases to core deposits | 79.0888% | 3,462 |
| Total domestic deposits to total assets | 81.2691% | 3,672 |
| Equity capital to assets | 18.4360% | 354 |
| Core capital (leverage) ratio | 18.8941% | 292 |
| Tier 1 risk-based capital ratio | 29.7419% | 493 |
| Total risk-based capital ratio | 30.9400% | 486 |
| Memoranda: | ||
| Average total assets | $18,070,250 | 5,211 |
| Average earning assets | $16,752,500 | 5,201 |
| Average equity | $3,378,750 | 5,125 |
| Average total loans | $11,885,250 | 5,110 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,737 |
| Cost of funding earning assets | 0.6363% | 3,478 |
| Net interest margin | 3.1454% | 4,461 |
| Noninterest income to average assets | 0.3002% | 3,929 |
| Noninterest expense to average assets | 2.2124% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8338% | 3,527 |
| Return on assets (ROA) | 0.8338% | 3,588 |
| Pretax return on assets | 1.0006% | 3,547 |
| Return on Equity (ROE) | 4.4383% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.4383% | 3,046 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8581% | 2,396 |
| Assets per employee ($millions) | 4.4635% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,575 |
| Loan loss allowance to noncurrent loans | 80.6818% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 1,411 |
| Noncurrent loans to loans | 1.4756% | 1,048 |
| Net loans and leases to total assets | 66.0076% | 3,104 |
| Net loans and leases to deposits | 81.4106% | 2,797 |
| Net loans and leases to core deposits | 81.4106% | 3,303 |
| Total domestic deposits to total assets | 81.0799% | 3,782 |
| Equity capital to assets | 18.6345% | 319 |
| Core capital (leverage) ratio | 18.6658% | 298 |
| Tier 1 risk-based capital ratio | 29.2458% | 507 |
| Total risk-based capital ratio | 30.4940% | 498 |
| Memoranda: | ||
| Average total assets | $17,989,670 | 5,259 |
| Average earning assets | $16,659,000 | 5,249 |
| Average equity | $3,379,670 | 5,161 |
| Average total loans | $11,878,330 | 5,154 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,877 |
| Cost of funding earning assets | 0.6208% | 3,459 |
| Net interest margin | 3.0561% | 4,657 |
| Noninterest income to average assets | 0.2880% | 3,949 |
| Noninterest expense to average assets | 2.3481% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6202% | 4,180 |
| Return on assets (ROA) | 0.6202% | 4,220 |
| Pretax return on assets | 0.7753% | 4,108 |
| Return on Equity (ROE) | 3.2883% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.2883% | 3,605 |
| Net charge-offs to loans | -0.1350% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1773% | 1,593 |
| Assets per employee ($millions) | 4.4925% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,378 |
| Loan loss allowance to noncurrent loans | 81.1111% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 1,397 |
| Noncurrent loans to loans | 1.5302% | 1,054 |
| Net loans and leases to total assets | 64.6466% | 3,210 |
| Net loans and leases to deposits | 80.1172% | 2,827 |
| Net loans and leases to core deposits | 80.1172% | 3,363 |
| Total domestic deposits to total assets | 80.6900% | 4,022 |
| Equity capital to assets | 19.0317% | 283 |
| Core capital (leverage) ratio | 19.0360% | 276 |
| Tier 1 risk-based capital ratio | 30.0765% | 475 |
| Total risk-based capital ratio | 31.3253% | 463 |
| Memoranda: | ||
| Average total assets | $18,057,500 | 5,312 |
| Average earning assets | $16,753,500 | 5,302 |
| Average equity | $3,406,000 | 5,208 |
| Average total loans | $11,854,000 | 5,214 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,692 |
| Cost of funding earning assets | 0.6057% | 2,674 |
| Net interest margin | 3.0752% | 4,684 |
| Noninterest income to average assets | 0.2747% | 4,267 |
| Noninterest expense to average assets | 2.3432% | 4,014 |
| Loan and lease loss provision to assets | 0.0539% | 3,100 |
| Net operating income to assets | 0.6938% | 4,150 |
| Return on assets (ROA) | 0.6680% | 4,247 |
| Pretax return on assets | 0.6949% | 4,427 |
| Return on Equity (ROE) | 3.6819% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.6819% | 3,553 |
| Net charge-offs to loans | 0.0454% | 2,527 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,640 |
| Efficiency ratio | 75.1295% | 1,478 |
| Assets per employee ($millions) | 4.5433% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,550 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 1,363 |
| Noncurrent loans to loans | 1.5320% | 985 |
| Net loans and leases to total assets | 65.0581% | 3,246 |
| Net loans and leases to deposits | 80.3903% | 2,912 |
| Net loans and leases to core deposits | 80.3903% | 3,398 |
| Total domestic deposits to total assets | 80.9277% | 3,907 |
| Equity capital to assets | 18.8191% | 282 |
| Core capital (leverage) ratio | 18.5476% | 290 |
| Tier 1 risk-based capital ratio | 29.2934% | 502 |
| Total risk-based capital ratio | 30.3383% | 498 |
| Memoranda: | ||
| Average total assets | $18,564,000 | 5,353 |
| Average earning assets | $17,169,800 | 5,344 |
| Average equity | $3,367,800 | 5,251 |
| Average total loans | $11,022,400 | 5,266 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 4,762 |
| Cost of funding earning assets | 0.5953% | 2,506 |
| Net interest margin | 3.0305% | 4,805 |
| Noninterest income to average assets | 0.2643% | 4,389 |
| Noninterest expense to average assets | 2.0934% | 4,571 |
| Loan and lease loss provision to assets | 0.0357% | 3,295 |
| Net operating income to assets | 0.8991% | 3,536 |
| Return on assets (ROA) | 0.8716% | 3,657 |
| Pretax return on assets | 0.9074% | 3,998 |
| Return on Equity (ROE) | 4.8486% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.8486% | 3,317 |
| Net charge-offs to loans | 0.0123% | 2,977 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 136.3383% | 594 |
| Efficiency ratio | 68.2984% | 2,483 |
| Assets per employee ($millions) | 4.6340% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,582 |
| Loan loss allowance to noncurrent loans | 54.0179% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 1,154 |
| Noncurrent loans to loans | 1.9070% | 791 |
| Net loans and leases to total assets | 62.7158% | 3,574 |
| Net loans and leases to deposits | 80.3386% | 3,001 |
| Net loans and leases to core deposits | 80.3386% | 3,468 |
| Total domestic deposits to total assets | 78.0643% | 4,474 |
| Equity capital to assets | 18.4398% | 298 |
| Core capital (leverage) ratio | 18.5519% | 289 |
| Tier 1 risk-based capital ratio | 29.0005% | 520 |
| Total risk-based capital ratio | 30.0272% | 522 |
| Memoranda: | ||
| Average total assets | $18,661,750 | 5,424 |
| Average earning assets | $17,246,500 | 5,413 |
| Average equity | $3,354,750 | 5,320 |
| Average total loans | $10,791,750 | 5,335 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 4,739 |
| Cost of funding earning assets | 0.5797% | 2,363 |
| Net interest margin | 3.0377% | 4,825 |
| Noninterest income to average assets | 0.2352% | 4,609 |
| Noninterest expense to average assets | 2.0424% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8852% | 3,525 |
| Return on assets (ROA) | 0.8661% | 3,598 |
| Pretax return on assets | 0.9731% | 3,742 |
| Return on Equity (ROE) | 4.8595% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.8595% | 3,150 |
| Net charge-offs to loans | 0.0382% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 1,183 |
| Efficiency ratio | 67.2535% | 2,771 |
| Assets per employee ($millions) | 4.6003% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,402 |
| Loan loss allowance to noncurrent loans | 66.0920% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,596 |
| Noncurrent loans to loans | 1.6294% | 990 |
| Net loans and leases to total assets | 57.4099% | 4,047 |
| Net loans and leases to deposits | 71.9815% | 3,713 |
| Net loans and leases to core deposits | 71.9815% | 4,008 |
| Total domestic deposits to total assets | 79.7565% | 4,296 |
| Equity capital to assets | 18.3577% | 299 |
| Core capital (leverage) ratio | 18.0208% | 311 |
| Tier 1 risk-based capital ratio | 30.6589% | 455 |
| Total risk-based capital ratio | 31.7027% | 456 |
| Memoranda: | ||
| Average total assets | $18,703,670 | 5,488 |
| Average earning assets | $17,249,670 | 5,477 |
| Average equity | $3,333,670 | 5,383 |
| Average total loans | $10,473,670 | 5,405 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 4,781 |
| Cost of funding earning assets | 0.5738% | 2,225 |
| Net interest margin | 2.9836% | 4,903 |
| Noninterest income to average assets | 0.2546% | 4,476 |
| Noninterest expense to average assets | 2.1427% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6577% | 4,251 |
| Return on assets (ROA) | 0.6577% | 4,259 |
| Pretax return on assets | 0.8698% | 3,948 |
| Return on Equity (ROE) | 3.7445% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.7445% | 3,699 |
| Net charge-offs to loans | 0.1543% | 914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,913 |
| Efficiency ratio | 71.1268% | 2,317 |
| Assets per employee ($millions) | 4.8550% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 3,462 |
| Loan loss allowance to noncurrent loans | 71.9745% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 1,963 |
| Noncurrent loans to loans | 1.5118% | 1,167 |
| Net loans and leases to total assets | 52.8939% | 4,378 |
| Net loans and leases to deposits | 64.0239% | 4,209 |
| Net loans and leases to core deposits | 64.0239% | 4,420 |
| Total domestic deposits to total assets | 82.6159% | 3,782 |
| Equity capital to assets | 17.1318% | 391 |
| Core capital (leverage) ratio | 17.7109% | 328 |
| Tier 1 risk-based capital ratio | 30.8828% | 443 |
| Total risk-based capital ratio | 31.9317% | 448 |
| Memoranda: | ||
| Average total assets | $18,855,000 | 5,550 |
| Average earning assets | $17,428,500 | 5,538 |
| Average equity | $3,311,500 | 5,440 |
| Average total loans | $10,371,000 | 5,468 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,735 |
| Cost of funding earning assets | 0.5314% | 2,096 |
| Net interest margin | 2.9993% | 4,887 |
| Noninterest income to average assets | 0.2977% | 4,315 |
| Noninterest expense to average assets | 2.3876% | 4,115 |
| Loan and lease loss provision to assets | 0.0281% | 3,715 |
| Net operating income to assets | 0.6067% | 3,980 |
| Return on assets (ROA) | 0.6067% | 4,016 |
| Pretax return on assets | 0.6404% | 4,645 |
| Return on Equity (ROE) | 3.3149% | 4,739 |
| Retained earnings to average equity (ytd only) | 3.3149% | 3,308 |
| Net charge-offs to loans | -0.0209% | 4,969 |
| Credit loss provision to net charge-offs | -250.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1250% | 1,332 |
| Assets per employee ($millions) | 4.5725% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,191 |
| Loan loss allowance to noncurrent loans | 87.3134% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 2,134 |
| Noncurrent loans to loans | 1.2938% | 1,352 |
| Net loans and leases to total assets | 55.9869% | 4,188 |
| Net loans and leases to deposits | 68.4950% | 3,989 |
| Net loans and leases to core deposits | 68.4950% | 4,263 |
| Total domestic deposits to total assets | 81.7387% | 3,932 |
| Equity capital to assets | 18.0208% | 310 |
| Core capital (leverage) ratio | 17.9413% | 295 |
| Tier 1 risk-based capital ratio | 31.2506% | 409 |
| Total risk-based capital ratio | 32.3599% | 409 |
| Memoranda: | ||
| Average total assets | $17,800,400 | 5,620 |
| Average earning assets | $16,370,400 | 5,611 |
| Average equity | $3,258,000 | 5,504 |
| Average total loans | $9,577,000 | 5,546 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 4,758 |
| Cost of funding earning assets | 0.5258% | 2,068 |
| Net interest margin | 2.9986% | 4,921 |
| Noninterest income to average assets | 0.3093% | 4,313 |
| Noninterest expense to average assets | 2.0590% | 4,832 |
| Loan and lease loss provision to assets | 0.0377% | 3,351 |
| Net operating income to assets | 0.8900% | 3,075 |
| Return on assets (ROA) | 0.8900% | 3,128 |
| Pretax return on assets | 0.9654% | 3,817 |
| Return on Equity (ROE) | 4.8432% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.8432% | 2,992 |
| Net charge-offs to loans | 0.0568% | 2,324 |
| Credit loss provision to net charge-offs | 125.0000% | 1,938 |
| Earnings coverage of net charge-offs (x) | 33.2702% | 1,470 |
| Efficiency ratio | 67.2414% | 3,012 |
| Assets per employee ($millions) | 4.4958% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,387 |
| Loan loss allowance to noncurrent loans | 60.3261% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 1,651 |
| Noncurrent loans to loans | 1.8548% | 943 |
| Net loans and leases to total assets | 54.5460% | 4,368 |
| Net loans and leases to deposits | 68.2128% | 4,096 |
| Net loans and leases to core deposits | 68.2128% | 4,351 |
| Total domestic deposits to total assets | 79.9644% | 4,319 |
| Equity capital to assets | 18.3840% | 306 |
| Core capital (leverage) ratio | 18.4106% | 278 |
| Tier 1 risk-based capital ratio | 32.2663% | 408 |
| Total risk-based capital ratio | 33.3496% | 406 |
| Memoranda: | ||
| Average total assets | $17,678,000 | 5,688 |
| Average earning assets | $16,229,250 | 5,677 |
| Average equity | $3,248,500 | 5,567 |
| Average total loans | $9,382,000 | 5,609 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 4,861 |
| Cost of funding earning assets | 0.5184% | 2,027 |
| Net interest margin | 2.9378% | 5,026 |
| Noninterest income to average assets | 0.3072% | 4,340 |
| Noninterest expense to average assets | 2.0141% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9217% | 2,799 |
| Return on assets (ROA) | 0.9217% | 2,857 |
| Pretax return on assets | 1.0013% | 3,565 |
| Return on Equity (ROE) | 5.0165% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.0165% | 2,700 |
| Net charge-offs to loans | -0.0869% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7925% | 3,210 |
| Assets per employee ($millions) | 4.4895% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,116 |
| Loan loss allowance to noncurrent loans | 44.1860% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 1,088 |
| Noncurrent loans to loans | 2.6788% | 526 |
| Net loans and leases to total assets | 52.9959% | 4,484 |
| Net loans and leases to deposits | 64.9980% | 4,303 |
| Net loans and leases to core deposits | 64.9980% | 4,537 |
| Total domestic deposits to total assets | 81.5347% | 4,034 |
| Equity capital to assets | 18.2092% | 313 |
| Core capital (leverage) ratio | 18.1869% | 293 |
| Tier 1 risk-based capital ratio | 33.0537% | 363 |
| Total risk-based capital ratio | 34.2060% | 360 |
| Memoranda: | ||
| Average total assets | $17,576,330 | 5,738 |
| Average earning assets | $16,202,670 | 5,728 |
| Average equity | $3,229,330 | 5,615 |
| Average total loans | $9,202,670 | 5,664 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 4,791 |
| Cost of funding earning assets | 0.4982% | 2,101 |
| Net interest margin | 2.9643% | 4,972 |
| Noninterest income to average assets | 0.3681% | 3,905 |
| Noninterest expense to average assets | 2.0477% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9663% | 2,451 |
| Return on assets (ROA) | 0.9663% | 2,504 |
| Pretax return on assets | 1.0584% | 3,142 |
| Return on Equity (ROE) | 5.2353% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.2353% | 2,765 |
| Net charge-offs to loans | -0.0890% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9259% | 3,510 |
| Assets per employee ($millions) | 4.4898% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,831 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 3,591 |
| Noncurrent loans to loans | 0.8028% | 2,446 |
| Net loans and leases to total assets | 49.3179% | 4,729 |
| Net loans and leases to deposits | 60.3297% | 4,546 |
| Net loans and leases to core deposits | 60.3297% | 4,756 |
| Total domestic deposits to total assets | 81.7473% | 4,232 |
| Equity capital to assets | 17.9854% | 304 |
| Core capital (leverage) ratio | 18.3899% | 265 |
| Tier 1 risk-based capital ratio | 34.2234% | 345 |
| Total risk-based capital ratio | 35.4100% | 339 |
| Memoranda: | ||
| Average total assets | $17,385,500 | 5,808 |
| Average earning assets | $16,058,000 | 5,798 |
| Average equity | $3,209,000 | 5,679 |
| Average total loans | $8,988,500 | 5,732 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 4,774 |
| Cost of funding earning assets | 0.4976% | 2,110 |
| Net interest margin | 3.0045% | 4,952 |
| Noninterest income to average assets | 0.5340% | 3,006 |
| Noninterest expense to average assets | 2.4261% | 4,224 |
| Loan and lease loss provision to assets | 0.1451% | 1,723 |
| Net operating income to assets | 0.7023% | 3,771 |
| Return on assets (ROA) | 0.7023% | 3,879 |
| Pretax return on assets | 0.7313% | 4,390 |
| Return on Equity (ROE) | 3.8533% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.8533% | 3,181 |
| Net charge-offs to loans | 0.1631% | 1,655 |
| Credit loss provision to net charge-offs | 178.5714% | 1,566 |
| Earnings coverage of net charge-offs (x) | 10.7857% | 2,602 |
| Efficiency ratio | 73.4622% | 2,352 |
| Assets per employee ($millions) | 4.2030% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,997 |
| Loan loss allowance to noncurrent loans | 56.4103% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 1,581 |
| Noncurrent loans to loans | 2.1647% | 792 |
| Net loans and leases to total assets | 52.9265% | 4,538 |
| Net loans and leases to deposits | 65.5180% | 4,289 |
| Net loans and leases to core deposits | 65.5180% | 4,554 |
| Total domestic deposits to total assets | 80.7816% | 4,397 |
| Equity capital to assets | 18.9626% | 248 |
| Core capital (leverage) ratio | 18.4277% | 259 |
| Tier 1 risk-based capital ratio | 34.2391% | 344 |
| Total risk-based capital ratio | 35.4205% | 337 |
| Memoranda: | ||
| Average total assets | $17,229,600 | 5,863 |
| Average earning assets | $15,876,000 | 5,852 |
| Average equity | $3,140,200 | 5,741 |
| Average total loans | $8,585,800 | 5,796 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 4,772 |
| Cost of funding earning assets | 0.4934% | 2,145 |
| Net interest margin | 3.0193% | 4,976 |
| Noninterest income to average assets | 0.3846% | 4,030 |
| Noninterest expense to average assets | 2.1153% | 4,977 |
| Loan and lease loss provision to assets | 0.0769% | 2,689 |
| Net operating income to assets | 0.9230% | 2,794 |
| Return on assets (ROA) | 0.9230% | 2,919 |
| Pretax return on assets | 0.9692% | 3,741 |
| Return on Equity (ROE) | 5.1147% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.1147% | 2,746 |
| Net charge-offs to loans | 0.1730% | 1,327 |
| Credit loss provision to net charge-offs | 90.9091% | 2,516 |
| Earnings coverage of net charge-offs (x) | 12.3606% | 2,399 |
| Efficiency ratio | 66.9100% | 3,440 |
| Assets per employee ($millions) | 4.1793% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,555 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 2,259 |
| Noncurrent loans to loans | 1.8024% | 1,148 |
| Net loans and leases to total assets | 50.5234% | 4,784 |
| Net loans and leases to deposits | 62.6418% | 4,587 |
| Net loans and leases to core deposits | 62.6418% | 4,797 |
| Total domestic deposits to total assets | 80.6544% | 4,338 |
| Equity capital to assets | 19.0644% | 264 |
| Core capital (leverage) ratio | 18.8658% | 238 |
| Tier 1 risk-based capital ratio | 35.2622% | 327 |
| Total risk-based capital ratio | 36.3465% | 328 |
| Memoranda: | ||
| Average total assets | $17,334,000 | 5,926 |
| Average earning assets | $15,941,250 | 5,917 |
| Average equity | $3,128,250 | 5,808 |
| Average total loans | $8,480,250 | 5,863 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4625% | 4,956 |
| Cost of funding earning assets | 0.5088% | 2,034 |
| Net interest margin | 2.9536% | 5,167 |
| Noninterest income to average assets | 0.4789% | 3,340 |
| Noninterest expense to average assets | 1.9955% | 5,277 |
| Loan and lease loss provision to assets | 0.1140% | 1,979 |
| Net operating income to assets | 1.0148% | 2,327 |
| Return on assets (ROA) | 1.0148% | 2,461 |
| Pretax return on assets | 1.0833% | 3,268 |
| Return on Equity (ROE) | 5.7259% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.7259% | 2,280 |
| Net charge-offs to loans | 0.3074% | 772 |
| Credit loss provision to net charge-offs | 76.9231% | 2,396 |
| Earnings coverage of net charge-offs (x) | 8.0769% | 2,554 |
| Efficiency ratio | 62.5000% | 4,265 |
| Assets per employee ($millions) | 4.2720% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,749 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 3,564 |
| Noncurrent loans to loans | 0.9931% | 2,296 |
| Net loans and leases to total assets | 48.9349% | 4,915 |
| Net loans and leases to deposits | 60.2189% | 4,785 |
| Net loans and leases to core deposits | 60.2189% | 4,971 |
| Total domestic deposits to total assets | 81.2617% | 4,198 |
| Equity capital to assets | 18.4750% | 298 |
| Core capital (leverage) ratio | 18.2644% | 274 |
| Tier 1 risk-based capital ratio | 35.2501% | 330 |
| Total risk-based capital ratio | 36.3220% | 330 |
| Memoranda: | ||
| Average total assets | $17,539,670 | 6,000 |
| Average earning assets | $16,115,670 | 5,989 |
| Average equity | $3,108,670 | 5,881 |
| Average total loans | $8,459,000 | 5,935 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4310% | 5,045 |
| Cost of funding earning assets | 0.4901% | 2,180 |
| Net interest margin | 2.9408% | 5,240 |
| Noninterest income to average assets | 0.2026% | 5,287 |
| Noninterest expense to average assets | 2.0939% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7880% | 3,306 |
| Return on assets (ROA) | 0.7880% | 3,412 |
| Pretax return on assets | 0.8106% | 4,161 |
| Return on Equity (ROE) | 4.5388% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.5388% | 3,215 |
| Net charge-offs to loans | 0.1891% | 1,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,015 |
| Efficiency ratio | 72.0930% | 2,788 |
| Assets per employee ($millions) | 4.4015% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 4,024 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 3,775 |
| Noncurrent loans to loans | 0.7564% | 2,942 |
| Net loans and leases to total assets | 48.2676% | 4,950 |
| Net loans and leases to deposits | 61.0883% | 4,642 |
| Net loans and leases to core deposits | 61.0883% | 4,869 |
| Total domestic deposits to total assets | 79.0128% | 4,965 |
| Equity capital to assets | 17.6190% | 363 |
| Core capital (leverage) ratio | 17.6702% | 320 |
| Tier 1 risk-based capital ratio | 33.6808% | 374 |
| Total risk-based capital ratio | 34.7123% | 375 |
| Memoranda: | ||
| Average total assets | $17,765,500 | 6,062 |
| Average earning assets | $16,322,000 | 6,049 |
| Average equity | $3,084,500 | 5,938 |
| Average total loans | $8,459,500 | 5,994 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 5,353 |
| Cost of funding earning assets | 0.4877% | 2,286 |
| Net interest margin | 2.8089% | 5,494 |
| Noninterest income to average assets | 0.2800% | 4,878 |
| Noninterest expense to average assets | 2.2911% | 4,816 |
| Loan and lease loss provision to assets | 0.0286% | 3,798 |
| Net operating income to assets | 0.5199% | 4,616 |
| Return on assets (ROA) | 0.5199% | 4,696 |
| Pretax return on assets | 0.5599% | 4,963 |
| Return on Equity (ROE) | 3.0033% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.0033% | 3,925 |
| Net charge-offs to loans | -0.0526% | 5,571 |
| Credit loss provision to net charge-offs | -125.0000% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5635% | 1,736 |
| Assets per employee ($millions) | 4.4813% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,545 |
| Loan loss allowance to noncurrent loans | 76.1538% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 2,644 |
| Noncurrent loans to loans | 1.5614% | 1,471 |
| Net loans and leases to total assets | 45.8968% | 5,168 |
| Net loans and leases to deposits | 58.7014% | 4,869 |
| Net loans and leases to core deposits | 58.7014% | 5,067 |
| Total domestic deposits to total assets | 78.1869% | 5,126 |
| Equity capital to assets | 17.1102% | 395 |
| Core capital (leverage) ratio | 17.4004% | 323 |
| Tier 1 risk-based capital ratio | 33.9683% | 365 |
| Total risk-based capital ratio | 35.0648% | 366 |
| Memoranda: | ||
| Average total assets | $17,502,200 | 6,121 |
| Average earning assets | $16,198,800 | 6,108 |
| Average equity | $3,030,000 | 6,000 |
| Average total loans | $7,598,800 | 6,073 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 5,416 |
| Cost of funding earning assets | 0.4875% | 2,339 |
| Net interest margin | 2.8095% | 5,561 |
| Noninterest income to average assets | 0.2683% | 5,016 |
| Noninterest expense to average assets | 2.1077% | 5,256 |
| Loan and lease loss provision to assets | 0.0383% | 3,440 |
| Net operating income to assets | 0.6515% | 4,125 |
| Return on assets (ROA) | 0.6515% | 4,236 |
| Pretax return on assets | 0.7281% | 4,580 |
| Return on Equity (ROE) | 3.7517% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.7517% | 3,804 |
| Net charge-offs to loans | -0.1439% | 5,911 |
| Credit loss provision to net charge-offs | -62.5000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 2,660 |
| Assets per employee ($millions) | 4.4385% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,022 |
| Loan loss allowance to noncurrent loans | 90.3509% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 3,337 |
| Noncurrent loans to loans | 1.4528% | 1,719 |
| Net loans and leases to total assets | 43.6183% | 5,379 |
| Net loans and leases to deposits | 52.8637% | 5,323 |
| Net loans and leases to core deposits | 52.8637% | 5,466 |
| Total domestic deposits to total assets | 82.5110% | 3,986 |
| Equity capital to assets | 17.2412% | 410 |
| Core capital (leverage) ratio | 17.4595% | 339 |
| Tier 1 risk-based capital ratio | 35.4447% | 336 |
| Total risk-based capital ratio | 36.6373% | 336 |
| Memoranda: | ||
| Average total assets | $17,396,500 | 6,206 |
| Average earning assets | $16,135,250 | 6,193 |
| Average equity | $3,020,750 | 6,086 |
| Average total loans | $7,417,000 | 6,158 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,515 |
| Cost of funding earning assets | 0.4745% | 2,476 |
| Net interest margin | 2.7848% | 5,645 |
| Noninterest income to average assets | 0.3241% | 4,626 |
| Noninterest expense to average assets | 2.0721% | 5,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7293% | 3,740 |
| Return on assets (ROA) | 0.7293% | 3,859 |
| Pretax return on assets | 0.8335% | 4,192 |
| Return on Equity (ROE) | 4.1898% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.1898% | 3,366 |
| Net charge-offs to loans | -0.1650% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3147% | 3,109 |
| Assets per employee ($millions) | 4.2445% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 3,267 |
| Loan loss allowance to noncurrent loans | 46.1905% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3076% | 1,925 |
| Noncurrent loans to loans | 2.8045% | 740 |
| Net loans and leases to total assets | 43.5328% | 5,401 |
| Net loans and leases to deposits | 54.3696% | 5,232 |
| Net loans and leases to core deposits | 54.3696% | 5,398 |
| Total domestic deposits to total assets | 80.0683% | 4,847 |
| Equity capital to assets | 17.9055% | 347 |
| Core capital (leverage) ratio | 17.4382% | 333 |
| Tier 1 risk-based capital ratio | 36.7861% | 320 |
| Total risk-based capital ratio | 37.9598% | 316 |
| Memoranda: | ||
| Average total assets | $17,277,330 | 6,284 |
| Average earning assets | $16,015,330 | 6,269 |
| Average equity | $3,007,330 | 6,147 |
| Average total loans | $7,273,670 | 6,232 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2494% | 5,555 |
| Cost of funding earning assets | 0.4713% | 2,556 |
| Net interest margin | 2.7781% | 5,690 |
| Noninterest income to average assets | 0.3672% | 4,276 |
| Noninterest expense to average assets | 2.1805% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6886% | 3,853 |
| Return on assets (ROA) | 0.6886% | 3,978 |
| Pretax return on assets | 0.7574% | 4,397 |
| Return on Equity (ROE) | 4.0120% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.0120% | 3,596 |
| Net charge-offs to loans | -0.2233% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2188% | 2,783 |
| Assets per employee ($millions) | 4.4535% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 3,236 |
| Loan loss allowance to noncurrent loans | 43.5780% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2911% | 2,060 |
| Noncurrent loans to loans | 3.0571% | 696 |
| Net loans and leases to total assets | 39.4970% | 5,623 |
| Net loans and leases to deposits | 47.6565% | 5,582 |
| Net loans and leases to core deposits | 47.6565% | 5,683 |
| Total domestic deposits to total assets | 82.8786% | 4,207 |
| Equity capital to assets | 16.8744% | 445 |
| Core capital (leverage) ratio | 16.8507% | 373 |
| Tier 1 risk-based capital ratio | 37.1203% | 304 |
| Total risk-based capital ratio | 38.2934% | 303 |
| Memoranda: | ||
| Average total assets | $17,427,000 | 6,348 |
| Average earning assets | $16,126,000 | 6,333 |
| Average equity | $2,991,000 | 6,211 |
| Average total loans | $7,166,500 | 6,306 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 5,535 |
| Cost of funding earning assets | 0.4891% | 2,781 |
| Net interest margin | 2.9094% | 5,622 |
| Noninterest income to average assets | 0.1787% | 5,785 |
| Noninterest expense to average assets | 2.2188% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6109% | 4,319 |
| Return on assets (ROA) | 0.6109% | 4,421 |
| Pretax return on assets | 0.6340% | 4,823 |
| Return on Equity (ROE) | 3.6187% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.6187% | 3,644 |
| Net charge-offs to loans | 0.0706% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,643 |
| Efficiency ratio | 77.7778% | 2,235 |
| Assets per employee ($millions) | 4.2600% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,636 |
| Loan loss allowance to noncurrent loans | 41.7431% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 2,077 |
| Noncurrent loans to loans | 3.0269% | 740 |
| Net loans and leases to total assets | 41.7312% | 5,641 |
| Net loans and leases to deposits | 50.7132% | 5,546 |
| Net loans and leases to core deposits | 50.7132% | 5,684 |
| Total domestic deposits to total assets | 82.2887% | 4,316 |
| Equity capital to assets | 17.4648% | 368 |
| Core capital (leverage) ratio | 16.9882% | 369 |
| Tier 1 risk-based capital ratio | 36.5557% | 299 |
| Total risk-based capital ratio | 37.6735% | 293 |
| Memoranda: | ||
| Average total assets | $17,351,400 | 6,443 |
| Average earning assets | $15,948,200 | 6,424 |
| Average equity | $2,929,200 | 6,287 |
| Average total loans | $7,080,800 | 6,393 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4142% | 5,567 |
| Cost of funding earning assets | 0.4842% | 2,911 |
| Net interest margin | 2.9300% | 5,638 |
| Noninterest income to average assets | 0.1377% | 6,086 |
| Noninterest expense to average assets | 2.0272% | 5,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7650% | 3,595 |
| Return on assets (ROA) | 0.7650% | 3,692 |
| Pretax return on assets | 0.7956% | 4,382 |
| Return on Equity (ROE) | 4.5700% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.5700% | 3,393 |
| Net charge-offs to loans | 0.0567% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 34.6650% | 1,246 |
| Efficiency ratio | 71.8157% | 3,219 |
| Assets per employee ($millions) | 4.4625% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 3,791 |
| Loan loss allowance to noncurrent loans | 193.7500% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 5,179 |
| Noncurrent loans to loans | 0.6570% | 3,971 |
| Net loans and leases to total assets | 40.4090% | 5,792 |
| Net loans and leases to deposits | 49.7963% | 5,665 |
| Net loans and leases to core deposits | 49.7963% | 5,801 |
| Total domestic deposits to total assets | 81.1485% | 4,785 |
| Equity capital to assets | 16.6387% | 476 |
| Core capital (leverage) ratio | 16.5423% | 416 |
| Tier 1 risk-based capital ratio | 35.6628% | 338 |
| Total risk-based capital ratio | 36.7795% | 335 |
| Memoranda: | ||
| Average total assets | $17,429,250 | 6,520 |
| Average earning assets | $15,972,250 | 6,503 |
| Average equity | $2,917,500 | 6,358 |
| Average total loans | $7,050,500 | 6,467 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4150% | 5,591 |
| Cost of funding earning assets | 0.4806% | 3,020 |
| Net interest margin | 2.9344% | 5,668 |
| Noninterest income to average assets | 0.0578% | 6,423 |
| Noninterest expense to average assets | 2.0244% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6941% | 3,877 |
| Return on assets (ROA) | 0.6941% | 3,965 |
| Pretax return on assets | 0.7172% | 4,581 |
| Return on Equity (ROE) | 4.1379% | 5,088 |
| Retained earnings to average equity (ytd only) | 4.1379% | 3,542 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8397% | 3,000 |
| Assets per employee ($millions) | 4.4705% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 3,511 |
| Loan loss allowance to noncurrent loans | 195.9184% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 5,268 |
| Noncurrent loans to loans | 0.6969% | 3,972 |
| Net loans and leases to total assets | 38.7820% | 5,906 |
| Net loans and leases to deposits | 46.5249% | 5,853 |
| Net loans and leases to core deposits | 46.5249% | 5,972 |
| Total domestic deposits to total assets | 83.3576% | 4,171 |
| Equity capital to assets | 16.3908% | 490 |
| Core capital (leverage) ratio | 16.5762% | 405 |
| Tier 1 risk-based capital ratio | 36.2434% | 315 |
| Total risk-based capital ratio | 37.4304% | 312 |
| Memoranda: | ||
| Average total assets | $17,289,000 | 6,588 |
| Average earning assets | $15,812,670 | 6,569 |
| Average equity | $2,900,000 | 6,415 |
| Average total loans | $6,965,330 | 6,532 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 5,419 |
| Cost of funding earning assets | 0.4669% | 3,253 |
| Net interest margin | 3.0348% | 5,430 |
| Noninterest income to average assets | 0.1883% | 5,837 |
| Noninterest expense to average assets | 2.2598% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6827% | 3,772 |
| Return on assets (ROA) | 0.6827% | 3,848 |
| Pretax return on assets | 0.6827% | 4,548 |
| Return on Equity (ROE) | 4.0215% | 5,025 |
| Retained earnings to average equity (ytd only) | 4.0215% | 3,703 |
| Net charge-offs to loans | 0.1731% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,918 |
| Efficiency ratio | 76.8000% | 2,672 |
| Assets per employee ($millions) | 4.4143% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 3,819 |
| Loan loss allowance to noncurrent loans | 48.6911% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 3,089 |
| Noncurrent loans to loans | 2.7839% | 1,203 |
| Net loans and leases to total assets | 38.3304% | 5,921 |
| Net loans and leases to deposits | 45.9970% | 5,851 |
| Net loans and leases to core deposits | 45.9970% | 5,992 |
| Total domestic deposits to total assets | 83.3324% | 4,491 |
| Equity capital to assets | 16.4184% | 472 |
| Core capital (leverage) ratio | 17.2293% | 346 |
| Tier 1 risk-based capital ratio | 36.1021% | 315 |
| Total risk-based capital ratio | 37.2603% | 312 |
| Memoranda: | ||
| Average total assets | $16,992,500 | 6,662 |
| Average earning assets | $15,421,000 | 6,648 |
| Average equity | $2,884,500 | 6,474 |
| Average total loans | $6,932,500 | 6,602 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 5,527 |
| Cost of funding earning assets | 0.4848% | 3,765 |
| Net interest margin | 3.0684% | 5,409 |
| Noninterest income to average assets | 0.3198% | 5,047 |
| Noninterest expense to average assets | 2.3127% | 5,339 |
| Loan and lease loss provision to assets | 0.1292% | 2,699 |
| Net operating income to assets | 0.6950% | 3,814 |
| Return on assets (ROA) | 0.6950% | 3,910 |
| Pretax return on assets | 0.7196% | 4,466 |
| Return on Equity (ROE) | 3.9960% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.9960% | 3,352 |
| Net charge-offs to loans | 0.2567% | 2,429 |
| Credit loss provision to net charge-offs | 116.6667% | 2,064 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,795 |
| Efficiency ratio | 73.1518% | 3,267 |
| Assets per employee ($millions) | 4.0820% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 3,792 |
| Loan loss allowance to noncurrent loans | 55.8140% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 3,312 |
| Noncurrent loans to loans | 2.4557% | 1,553 |
| Net loans and leases to total assets | 42.3077% | 5,807 |
| Net loans and leases to deposits | 53.9056% | 5,478 |
| Net loans and leases to core deposits | 53.9056% | 5,680 |
| Total domestic deposits to total assets | 78.4848% | 5,742 |
| Equity capital to assets | 17.5772% | 348 |
| Core capital (leverage) ratio | 17.2476% | 346 |
| Tier 1 risk-based capital ratio | 36.3061% | 290 |
| Total risk-based capital ratio | 37.5206% | 287 |
| Memoranda: | ||
| Average total assets | $16,258,400 | 6,751 |
| Average earning assets | $15,056,800 | 6,738 |
| Average equity | $2,827,800 | 6,566 |
| Average total loans | $7,012,800 | 6,681 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 5,597 |
| Cost of funding earning assets | 0.4867% | 3,895 |
| Net interest margin | 3.0531% | 5,460 |
| Noninterest income to average assets | 0.3366% | 4,999 |
| Noninterest expense to average assets | 2.0524% | 5,921 |
| Loan and lease loss provision to assets | 0.0493% | 4,030 |
| Net operating income to assets | 1.0262% | 2,275 |
| Return on assets (ROA) | 1.0262% | 2,356 |
| Pretax return on assets | 1.0672% | 3,233 |
| Return on Equity (ROE) | 5.9157% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.9157% | 2,467 |
| Net charge-offs to loans | 0.1140% | 3,411 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 22.6663% | 1,486 |
| Efficiency ratio | 64.7668% | 4,683 |
| Assets per employee ($millions) | 4.2100% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,261 |
| Loan loss allowance to noncurrent loans | 52.8409% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 3,565 |
| Noncurrent loans to loans | 2.5111% | 1,723 |
| Net loans and leases to total assets | 41.0689% | 5,961 |
| Net loans and leases to deposits | 49.7018% | 5,855 |
| Net loans and leases to core deposits | 49.7018% | 6,031 |
| Total domestic deposits to total assets | 82.6306% | 4,709 |
| Equity capital to assets | 17.1081% | 407 |
| Core capital (leverage) ratio | 17.2805% | 358 |
| Tier 1 risk-based capital ratio | 36.2071% | 307 |
| Total risk-based capital ratio | 37.3759% | 300 |
| Memoranda: | ||
| Average total assets | $16,241,000 | 6,825 |
| Average earning assets | $15,066,500 | 6,812 |
| Average equity | $2,817,250 | 6,638 |
| Average total loans | $7,015,000 | 6,756 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 5,628 |
| Cost of funding earning assets | 0.4968% | 3,930 |
| Net interest margin | 3.0344% | 5,485 |
| Noninterest income to average assets | 0.3366% | 4,990 |
| Noninterest expense to average assets | 2.0572% | 5,949 |
| Loan and lease loss provision to assets | 0.0748% | 3,547 |
| Net operating income to assets | 0.9725% | 2,453 |
| Return on assets (ROA) | 0.9725% | 2,597 |
| Pretax return on assets | 1.0224% | 3,406 |
| Return on Equity (ROE) | 5.5794% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.5794% | 2,687 |
| Net charge-offs to loans | 0.1425% | 2,955 |
| Credit loss provision to net charge-offs | 120.0000% | 1,854 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,598 |
| Efficiency ratio | 65.2174% | 4,674 |
| Assets per employee ($millions) | 4.0993% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,378 |
| Loan loss allowance to noncurrent loans | 60.6452% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 3,894 |
| Noncurrent loans to loans | 2.1880% | 2,189 |
| Net loans and leases to total assets | 42.6297% | 5,857 |
| Net loans and leases to deposits | 51.7127% | 5,707 |
| Net loans and leases to core deposits | 51.7127% | 5,908 |
| Total domestic deposits to total assets | 82.4358% | 4,896 |
| Equity capital to assets | 17.2897% | 392 |
| Core capital (leverage) ratio | 17.6273% | 314 |
| Tier 1 risk-based capital ratio | 35.9316% | 306 |
| Total risk-based capital ratio | 37.1229% | 302 |
| Memoranda: | ||
| Average total assets | $16,041,330 | 6,877 |
| Average earning assets | $14,895,670 | 6,869 |
| Average equity | $2,796,000 | 6,697 |
| Average total loans | $7,017,000 | 6,808 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 5,647 |
| Cost of funding earning assets | 0.5151% | 3,927 |
| Net interest margin | 3.0091% | 5,541 |
| Noninterest income to average assets | 0.2774% | 5,470 |
| Noninterest expense to average assets | 2.0424% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9834% | 2,301 |
| Return on assets (ROA) | 0.9834% | 2,425 |
| Pretax return on assets | 1.0338% | 3,209 |
| Return on Equity (ROE) | 5.6186% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.6186% | 2,887 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3934% | 4,594 |
| Assets per employee ($millions) | 3.1978% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,455 |
| Loan loss allowance to noncurrent loans | 79.4872% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 4,541 |
| Noncurrent loans to loans | 1.7008% | 2,994 |
| Net loans and leases to total assets | 42.4417% | 5,813 |
| Net loans and leases to deposits | 51.6163% | 5,659 |
| Net loans and leases to core deposits | 51.6163% | 5,852 |
| Total domestic deposits to total assets | 82.2253% | 5,119 |
| Equity capital to assets | 17.4870% | 372 |
| Core capital (leverage) ratio | 17.6593% | 309 |
| Tier 1 risk-based capital ratio | 36.8040% | 296 |
| Total risk-based capital ratio | 38.0282% | 290 |
| Memoranda: | ||
| Average total assets | $15,863,500 | 6,954 |
| Average earning assets | $14,755,000 | 6,943 |
| Average equity | $2,776,500 | 6,770 |
| Average total loans | $6,983,500 | 6,879 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 5,492 |
| Cost of funding earning assets | 0.6951% | 3,529 |
| Net interest margin | 3.2344% | 5,478 |
| Noninterest income to average assets | 0.3766% | 4,777 |
| Noninterest expense to average assets | 2.5195% | 5,033 |
| Loan and lease loss provision to assets | 0.0974% | 4,426 |
| Net operating income to assets | 0.6948% | 3,764 |
| Return on assets (ROA) | 0.6948% | 4,023 |
| Pretax return on assets | 0.7208% | 4,592 |
| Return on Equity (ROE) | 3.9515% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.9515% | 3,421 |
| Net charge-offs to loans | 0.3821% | 2,727 |
| Credit loss provision to net charge-offs | 55.5556% | 4,559 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,293 |
| Efficiency ratio | 75.4864% | 2,832 |
| Assets per employee ($millions) | 3.1476% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,572 |
| Loan loss allowance to noncurrent loans | 76.8595% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 4,540 |
| Noncurrent loans to loans | 1.7071% | 3,055 |
| Net loans and leases to total assets | 44.4466% | 5,775 |
| Net loans and leases to deposits | 60.8261% | 4,933 |
| Net loans and leases to core deposits | 60.8261% | 5,291 |
| Total domestic deposits to total assets | 73.0715% | 6,616 |
| Equity capital to assets | 17.5181% | 364 |
| Core capital (leverage) ratio | 17.2248% | 333 |
| Tier 1 risk-based capital ratio | 35.7773% | 323 |
| Total risk-based capital ratio | 36.9842% | 319 |
| Memoranda: | ||
| Average total assets | $15,399,600 | 7,020 |
| Average earning assets | $14,098,400 | 7,008 |
| Average equity | $2,707,800 | 6,844 |
| Average total loans | $7,066,400 | 6,947 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 5,643 |
| Cost of funding earning assets | 0.7358% | 3,472 |
| Net interest margin | 3.2203% | 5,651 |
| Noninterest income to average assets | 0.3482% | 5,033 |
| Noninterest expense to average assets | 2.2374% | 5,860 |
| Loan and lease loss provision to assets | 0.1306% | 3,918 |
| Net operating income to assets | 0.8706% | 3,126 |
| Return on assets (ROA) | 0.8706% | 3,371 |
| Pretax return on assets | 0.9141% | 4,049 |
| Return on Equity (ROE) | 4.9464% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.9464% | 3,401 |
| Net charge-offs to loans | 0.4154% | 2,428 |
| Credit loss provision to net charge-offs | 68.1818% | 3,952 |
| Earnings coverage of net charge-offs (x) | 5.4552% | 3,020 |
| Efficiency ratio | 68.1698% | 4,024 |
| Assets per employee ($millions) | 3.2210% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 4,293 |
| Loan loss allowance to noncurrent loans | 106.5217% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 5,238 |
| Noncurrent loans to loans | 1.3324% | 3,807 |
| Net loans and leases to total assets | 42.2664% | 6,105 |
| Net loans and leases to deposits | 51.1497% | 6,030 |
| Net loans and leases to core deposits | 51.1497% | 6,231 |
| Total domestic deposits to total assets | 82.6327% | 4,780 |
| Equity capital to assets | 17.0692% | 454 |
| Core capital (leverage) ratio | 17.0841% | 365 |
| Tier 1 risk-based capital ratio | 35.2707% | 350 |
| Total risk-based capital ratio | 36.5281% | 342 |
| Memoranda: | ||
| Average total assets | $15,315,000 | 7,116 |
| Average earning assets | $13,952,750 | 7,102 |
| Average equity | $2,695,500 | 6,933 |
| Average total loans | $7,061,000 | 7,039 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 5,813 |
| Cost of funding earning assets | 0.7880% | 3,296 |
| Net interest margin | 3.1519% | 5,860 |
| Noninterest income to average assets | 0.3455% | 5,073 |
| Noninterest expense to average assets | 2.3918% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7973% | 3,405 |
| Return on assets (ROA) | 0.7973% | 3,658 |
| Pretax return on assets | 0.8238% | 4,387 |
| Return on Equity (ROE) | 4.4815% | 5,047 |
| Retained earnings to average equity (ytd only) | 4.4815% | 3,620 |
| Net charge-offs to loans | 0.1687% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,063 |
| Efficiency ratio | 74.3802% | 3,011 |
| Assets per employee ($millions) | 3.1838% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 4,574 |
| Loan loss allowance to noncurrent loans | 120.7317% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 5,332 |
| Noncurrent loans to loans | 1.1338% | 4,261 |
| Net loans and leases to total assets | 44.8081% | 5,939 |
| Net loans and leases to deposits | 55.2475% | 5,740 |
| Net loans and leases to core deposits | 55.2475% | 6,003 |
| Total domestic deposits to total assets | 81.1043% | 5,434 |
| Equity capital to assets | 17.0174% | 444 |
| Core capital (leverage) ratio | 17.2405% | 341 |
| Tier 1 risk-based capital ratio | 34.2218% | 368 |
| Total risk-based capital ratio | 35.4598% | 363 |
| Memoranda: | ||
| Average total assets | $15,051,670 | 7,181 |
| Average earning assets | $13,706,000 | 7,166 |
| Average equity | $2,677,670 | 6,974 |
| Average total loans | $7,113,000 | 7,095 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 5,612 |
| Cost of funding earning assets | 0.8156% | 3,346 |
| Net interest margin | 3.2324% | 5,690 |
| Noninterest income to average assets | 0.3284% | 5,237 |
| Noninterest expense to average assets | 2.4627% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7115% | 3,830 |
| Return on assets (ROA) | 0.7115% | 4,045 |
| Pretax return on assets | 0.7935% | 4,435 |
| Return on Equity (ROE) | 3.9068% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.9068% | 4,247 |
| Net charge-offs to loans | -0.0567% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6303% | 2,835 |
| Assets per employee ($millions) | 3.1332% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 4,029 |
| Loan loss allowance to noncurrent loans | 129.2683% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 5,453 |
| Noncurrent loans to loans | 1.1827% | 4,359 |
| Net loans and leases to total assets | 43.5785% | 6,054 |
| Net loans and leases to deposits | 52.7630% | 5,919 |
| Net loans and leases to core deposits | 52.7630% | 6,147 |
| Total domestic deposits to total assets | 82.5929% | 5,082 |
| Equity capital to assets | 17.0752% | 417 |
| Core capital (leverage) ratio | 18.2171% | 285 |
| Tier 1 risk-based capital ratio | 35.0590% | 335 |
| Total risk-based capital ratio | 36.3172% | 331 |
| Memoranda: | ||
| Average total assets | $14,618,000 | 7,253 |
| Average earning assets | $13,241,000 | 7,239 |
| Average equity | $2,662,000 | 7,028 |
| Average total loans | $7,053,500 | 7,162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 4,370 |
| Cost of funding earning assets | 0.9277% | 3,899 |
| Net interest margin | 3.7431% | 4,109 |
| Noninterest income to average assets | 0.3308% | 5,171 |
| Noninterest expense to average assets | 2.6979% | 4,752 |
| Loan and lease loss provision to assets | 0.3014% | 3,258 |
| Net operating income to assets | 0.7057% | 3,462 |
| Return on assets (ROA) | 0.7057% | 3,644 |
| Pretax return on assets | 0.7425% | 4,182 |
| Return on Equity (ROE) | 3.7037% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.7037% | 3,575 |
| Net charge-offs to loans | 0.1414% | 5,015 |
| Credit loss provision to net charge-offs | 410.0000% | 562 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,477 |
| Efficiency ratio | 72.1022% | 3,558 |
| Assets per employee ($millions) | 2.7140% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 4,178 |
| Loan loss allowance to noncurrent loans | 45.8515% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.7465% | 3,331 |
| Noncurrent loans to loans | 3.1921% | 2,027 |
| Net loans and leases to total assets | 52.0929% | 5,300 |
| Net loans and leases to deposits | 66.2574% | 4,696 |
| Net loans and leases to core deposits | 66.2574% | 5,225 |
| Total domestic deposits to total assets | 78.6220% | 6,067 |
| Equity capital to assets | 19.5210% | 257 |
| Core capital (leverage) ratio | 19.2459% | 234 |
| Tier 1 risk-based capital ratio | 35.8167% | 312 |
| Total risk-based capital ratio | 37.0741% | 307 |
| Memoranda: | ||
| Average total assets | $13,603,000 | 7,305 |
| Average earning assets | $12,396,000 | 7,291 |
| Average equity | $2,592,000 | 7,098 |
| Average total loans | $7,074,400 | 7,208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 4,600 |
| Cost of funding earning assets | 0.9550% | 4,000 |
| Net interest margin | 3.7126% | 4,276 |
| Noninterest income to average assets | 0.3036% | 5,437 |
| Noninterest expense to average assets | 2.5272% | 5,363 |
| Loan and lease loss provision to assets | 0.4017% | 2,442 |
| Net operating income to assets | 0.7248% | 3,482 |
| Return on assets (ROA) | 0.7248% | 3,664 |
| Pretax return on assets | 0.7640% | 4,264 |
| Return on Equity (ROE) | 3.8274% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.8274% | 4,001 |
| Net charge-offs to loans | 0.2458% | 3,889 |
| Credit loss provision to net charge-offs | 315.3846% | 897 |
| Earnings coverage of net charge-offs (x) | 9.1552% | 2,090 |
| Efficiency ratio | 68.4350% | 4,228 |
| Assets per employee ($millions) | 2.8258% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,376 |
| Loan loss allowance to noncurrent loans | 42.3237% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 1.7623% | 3,457 |
| Noncurrent loans to loans | 3.4016% | 2,030 |
| Net loans and leases to total assets | 49.4232% | 5,782 |
| Net loans and leases to deposits | 61.0029% | 5,517 |
| Net loans and leases to core deposits | 61.0029% | 5,908 |
| Total domestic deposits to total assets | 81.0178% | 5,428 |
| Equity capital to assets | 18.6000% | 342 |
| Core capital (leverage) ratio | 19.1587% | 253 |
| Tier 1 risk-based capital ratio | 35.2184% | 348 |
| Total risk-based capital ratio | 36.4648% | 337 |
| Memoranda: | ||
| Average total assets | $13,611,250 | 7,382 |
| Average earning assets | $12,425,750 | 7,367 |
| Average equity | $2,577,750 | 7,169 |
| Average total loans | $7,049,500 | 7,280 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 4,777 |
| Cost of funding earning assets | 0.9581% | 4,262 |
| Net interest margin | 3.6861% | 4,332 |
| Noninterest income to average assets | 0.2828% | 5,623 |
| Noninterest expense to average assets | 2.5747% | 5,281 |
| Loan and lease loss provision to assets | 0.6102% | 1,573 |
| Net operating income to assets | 0.4316% | 4,803 |
| Return on assets (ROA) | 0.4316% | 4,951 |
| Pretax return on assets | 0.4762% | 5,144 |
| Return on Equity (ROE) | 2.2647% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.2647% | 4,849 |
| Net charge-offs to loans | 0.2842% | 3,454 |
| Credit loss provision to net charge-offs | 410.0000% | 734 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 2,248 |
| Efficiency ratio | 70.3252% | 4,044 |
| Assets per employee ($millions) | 2.6762% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,999 |
| Loan loss allowance to noncurrent loans | 43.9331% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.8459% | 3,443 |
| Noncurrent loans to loans | 3.4759% | 2,033 |
| Net loans and leases to total assets | 50.6016% | 5,741 |
| Net loans and leases to deposits | 63.0154% | 5,391 |
| Net loans and leases to core deposits | 63.0154% | 5,809 |
| Total domestic deposits to total assets | 80.3004% | 5,739 |
| Equity capital to assets | 19.3035% | 299 |
| Core capital (leverage) ratio | 19.2661% | 258 |
| Tier 1 risk-based capital ratio | 36.3138% | 316 |
| Total risk-based capital ratio | 37.5650% | 311 |
| Memoranda: | ||
| Average total assets | $13,438,670 | 7,456 |
| Average earning assets | $12,316,670 | 7,441 |
| Average equity | $2,561,000 | 7,236 |
| Average total loans | $7,037,670 | 7,355 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 4,815 |
| Cost of funding earning assets | 0.9901% | 4,270 |
| Net interest margin | 3.6409% | 4,367 |
| Noninterest income to average assets | 0.2970% | 5,540 |
| Noninterest expense to average assets | 2.6137% | 5,167 |
| Loan and lease loss provision to assets | 1.2177% | 577 |
| Net operating income to assets | -0.2079% | 6,568 |
| Return on assets (ROA) | -0.2079% | 6,579 |
| Pretax return on assets | -0.1485% | 6,495 |
| Return on Equity (ROE) | -1.0980% | 6,496 |
| Retained earnings to average equity (ytd only) | -1.0980% | 6,006 |
| Net charge-offs to loans | 0.7867% | 1,645 |
| Credit loss provision to net charge-offs | 292.8571% | 1,098 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,049 |
| Efficiency ratio | 70.9677% | 4,064 |
| Assets per employee ($millions) | 2.8158% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,383 |
| Loan loss allowance to noncurrent loans | 47.4178% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7473% | 3,641 |
| Noncurrent loans to loans | 3.0843% | 2,434 |
| Net loans and leases to total assets | 48.3344% | 6,042 |
| Net loans and leases to deposits | 59.3132% | 5,791 |
| Net loans and leases to core deposits | 59.3132% | 6,161 |
| Total domestic deposits to total assets | 81.4902% | 5,498 |
| Equity capital to assets | 18.0837% | 364 |
| Core capital (leverage) ratio | 18.3126% | 315 |
| Tier 1 risk-based capital ratio | 36.7866% | 308 |
| Total risk-based capital ratio | 38.0436% | 299 |
| Memoranda: | ||
| Average total assets | $13,467,500 | 7,513 |
| Average earning assets | $12,524,500 | 7,497 |
| Average equity | $2,550,000 | 7,283 |
| Average total loans | $7,118,500 | 7,411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 5,412 |
| Cost of funding earning assets | 1.1136% | 5,062 |
| Net interest margin | 3.6847% | 4,421 |
| Noninterest income to average assets | 0.2981% | 5,661 |
| Noninterest expense to average assets | 2.8050% | 4,589 |
| Loan and lease loss provision to assets | 0.0764% | 6,386 |
| Net operating income to assets | 0.7490% | 3,001 |
| Return on assets (ROA) | 0.7490% | 3,126 |
| Pretax return on assets | 0.8560% | 3,454 |
| Return on Equity (ROE) | 3.9003% | 4,575 |
| Retained earnings to average equity (ytd only) | 3.9003% | 3,136 |
| Net charge-offs to loans | 0.0574% | 6,216 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 720 |
| Efficiency ratio | 75.0511% | 3,201 |
| Assets per employee ($millions) | 2.5712% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,344 |
| Loan loss allowance to noncurrent loans | 33.9450% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 3,407 |
| Noncurrent loans to loans | 2.9737% | 2,571 |
| Net loans and leases to total assets | 56.4484% | 5,266 |
| Net loans and leases to deposits | 73.7350% | 4,237 |
| Net loans and leases to core deposits | 73.7350% | 5,012 |
| Total domestic deposits to total assets | 76.5557% | 6,560 |
| Equity capital to assets | 19.8662% | 265 |
| Core capital (leverage) ratio | 19.5574% | 254 |
| Tier 1 risk-based capital ratio | 36.4493% | 310 |
| Total risk-based capital ratio | 37.5054% | 307 |
| Memoranda: | ||
| Average total assets | $13,083,600 | 7,598 |
| Average earning assets | $12,212,600 | 7,575 |
| Average equity | $2,512,600 | 7,394 |
| Average total loans | $6,969,000 | 7,501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 5,835 |
| Cost of funding earning assets | 1.1531% | 5,127 |
| Net interest margin | 3.6008% | 4,874 |
| Noninterest income to average assets | 0.2943% | 5,776 |
| Noninterest expense to average assets | 2.5468% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9436% | 2,438 |
| Return on assets (ROA) | 0.9436% | 2,569 |
| Pretax return on assets | 1.1060% | 2,805 |
| Return on Equity (ROE) | 4.9555% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.9555% | 3,021 |
| Net charge-offs to loans | 0.0582% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 36.3325% | 753 |
| Efficiency ratio | 69.7222% | 4,130 |
| Assets per employee ($millions) | 2.6326% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,721 |
| Loan loss allowance to noncurrent loans | 37.3563% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5498% | 4,121 |
| Noncurrent loans to loans | 2.4298% | 3,203 |
| Net loans and leases to total assets | 53.9087% | 5,862 |
| Net loans and leases to deposits | 67.9108% | 5,432 |
| Net loans and leases to core deposits | 67.9108% | 5,954 |
| Total domestic deposits to total assets | 79.3816% | 5,903 |
| Equity capital to assets | 19.3649% | 328 |
| Core capital (leverage) ratio | 18.2515% | 334 |
| Tier 1 risk-based capital ratio | 36.3157% | 318 |
| Total risk-based capital ratio | 37.2418% | 318 |
| Memoranda: | ||
| Average total assets | $13,140,500 | 7,699 |
| Average earning assets | $12,256,250 | 7,677 |
| Average equity | $2,502,250 | 7,492 |
| Average total loans | $6,878,500 | 7,601 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 5,990 |
| Cost of funding earning assets | 1.1784% | 5,247 |
| Net interest margin | 3.5678% | 4,956 |
| Noninterest income to average assets | 0.2741% | 5,961 |
| Noninterest expense to average assets | 2.4823% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9899% | 2,239 |
| Return on assets (ROA) | 0.9899% | 2,315 |
| Pretax return on assets | 1.1117% | 2,747 |
| Return on Equity (ROE) | 5.2279% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.2279% | 2,757 |
| Net charge-offs to loans | 0.0295% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 435 |
| Efficiency ratio | 69.0678% | 4,365 |
| Assets per employee ($millions) | 3.3670% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 6,493 |
| Loan loss allowance to noncurrent loans | 39.8810% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 4,260 |
| Noncurrent loans to loans | 2.4526% | 3,194 |
| Net loans and leases to total assets | 50.3638% | 6,391 |
| Net loans and leases to deposits | 62.3380% | 6,205 |
| Net loans and leases to core deposits | 62.3380% | 6,527 |
| Total domestic deposits to total assets | 80.7915% | 5,477 |
| Equity capital to assets | 18.7184% | 363 |
| Core capital (leverage) ratio | 18.6768% | 312 |
| Tier 1 risk-based capital ratio | 36.8999% | 303 |
| Total risk-based capital ratio | 37.8806% | 305 |
| Memoranda: | ||
| Average total assets | $13,133,000 | 7,766 |
| Average earning assets | $12,220,330 | 7,743 |
| Average equity | $2,486,670 | 7,553 |
| Average total loans | $6,784,330 | 7,665 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 6,202 |
| Cost of funding earning assets | 1.2281% | 5,241 |
| Net interest margin | 3.4852% | 5,221 |
| Noninterest income to average assets | 0.2777% | 5,926 |
| Noninterest expense to average assets | 2.5606% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8330% | 2,826 |
| Return on assets (ROA) | 0.8330% | 2,920 |
| Pretax return on assets | 0.9564% | 3,247 |
| Return on Equity (ROE) | 4.3734% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.3734% | 3,528 |
| Net charge-offs to loans | -0.0592% | 7,391 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8070% | 3,798 |
| Assets per employee ($millions) | 3.3778% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,414 |
| Loan loss allowance to noncurrent loans | 26.1364% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 2.1760% | 3,303 |
| Noncurrent loans to loans | 3.8596% | 2,050 |
| Net loans and leases to total assets | 50.1147% | 6,452 |
| Net loans and leases to deposits | 61.7341% | 6,300 |
| Net loans and leases to core deposits | 61.7341% | 6,617 |
| Total domestic deposits to total assets | 81.1783% | 5,392 |
| Equity capital to assets | 18.3776% | 387 |
| Core capital (leverage) ratio | 18.6804% | 330 |
| Tier 1 risk-based capital ratio | 35.4613% | 347 |
| Total risk-based capital ratio | 36.4467% | 348 |
| Memoranda: | ||
| Average total assets | $12,965,500 | 7,869 |
| Average earning assets | $12,051,000 | 7,848 |
| Average equity | $2,469,500 | 7,645 |
| Average total loans | $6,751,500 | 7,764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3423% | 4,971 |
| Cost of funding earning assets | 1.2880% | 6,348 |
| Net interest margin | 4.0543% | 2,631 |
| Noninterest income to average assets | 0.4387% | 4,892 |
| Noninterest expense to average assets | 2.8769% | 4,624 |
| Loan and lease loss provision to assets | 0.3881% | 4,463 |
| Net operating income to assets | 0.7677% | 2,648 |
| Return on assets (ROA) | 0.7677% | 2,742 |
| Pretax return on assets | 0.9449% | 2,778 |
| Return on Equity (ROE) | 3.7569% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.7569% | 2,565 |
| Net charge-offs to loans | 0.6551% | 3,227 |
| Credit loss provision to net charge-offs | 102.2222% | 5,410 |
| Earnings coverage of net charge-offs (x) | 3.5111% | 3,312 |
| Efficiency ratio | 68.3367% | 4,953 |
| Assets per employee ($millions) | 3.1050% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,266 |
| Loan loss allowance to noncurrent loans | 59.1304% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 4,760 |
| Noncurrent loans to loans | 1.7259% | 4,049 |
| Net loans and leases to total assets | 53.0998% | 6,301 |
| Net loans and leases to deposits | 66.5825% | 5,989 |
| Net loans and leases to core deposits | 68.7337% | 6,837 |
| Total domestic deposits to total assets | 79.7504% | 5,753 |
| Equity capital to assets | 19.7746% | 314 |
| Core capital (leverage) ratio | 19.6260% | 294 |
| Tier 1 risk-based capital ratio | 36.9379% | 303 |
| Total risk-based capital ratio | 37.9606% | 304 |
| Memoranda: | ||
| Average total assets | $11,853,200 | 7,949 |
| Average earning assets | $11,025,200 | 7,927 |
| Average equity | $2,422,200 | 7,751 |
| Average total loans | $6,869,200 | 7,832 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4181% | 4,862 |
| Cost of funding earning assets | 1.3209% | 6,487 |
| Net interest margin | 4.0972% | 2,409 |
| Noninterest income to average assets | 0.4554% | 4,866 |
| Noninterest expense to average assets | 2.5843% | 5,767 |
| Loan and lease loss provision to assets | 0.5237% | 3,289 |
| Net operating income to assets | 0.9563% | 2,212 |
| Return on assets (ROA) | 0.9563% | 2,270 |
| Pretax return on assets | 1.1613% | 2,377 |
| Return on Equity (ROE) | 4.6401% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.6401% | 2,684 |
| Net charge-offs to loans | 0.9633% | 2,051 |
| Credit loss provision to net charge-offs | 92.0000% | 5,433 |
| Earnings coverage of net charge-offs (x) | 2.9598% | 3,750 |
| Efficiency ratio | 60.5333% | 6,343 |
| Assets per employee ($millions) | 3.0635% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 6,708 |
| Loan loss allowance to noncurrent loans | 196.8750% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 6,201 |
| Noncurrent loans to loans | 0.4632% | 6,394 |
| Net loans and leases to total assets | 55.8675% | 6,156 |
| Net loans and leases to deposits | 70.2658% | 5,879 |
| Net loans and leases to core deposits | 72.5750% | 6,808 |
| Total domestic deposits to total assets | 79.5087% | 5,621 |
| Equity capital to assets | 19.9853% | 340 |
| Core capital (leverage) ratio | 19.5295% | 346 |
| Tier 1 risk-based capital ratio | 36.4978% | 348 |
| Total risk-based capital ratio | 37.4367% | 349 |
| Memoranda: | ||
| Average total assets | $11,711,500 | 8,034 |
| Average earning assets | $10,901,500 | 8,009 |
| Average equity | $2,413,750 | 7,826 |
| Average total loans | $6,920,750 | 7,906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 4,809 |
| Cost of funding earning assets | 1.3665% | 6,599 |
| Net interest margin | 4.0995% | 2,324 |
| Noninterest income to average assets | 0.4683% | 4,723 |
| Noninterest expense to average assets | 2.6711% | 5,489 |
| Loan and lease loss provision to assets | 0.1041% | 6,128 |
| Net operating income to assets | 1.2662% | 1,312 |
| Return on assets (ROA) | 1.2662% | 1,394 |
| Pretax return on assets | 1.4917% | 1,468 |
| Return on Equity (ROE) | 6.0783% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.0783% | 1,983 |
| Net charge-offs to loans | 0.3466% | 3,451 |
| Credit loss provision to net charge-offs | 50.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,407 |
| Efficiency ratio | 62.6016% | 6,152 |
| Assets per employee ($millions) | 2.3790% | 7,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,861 |
| Loan loss allowance to noncurrent loans | 25.8475% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 2.2362% | 2,904 |
| Noncurrent loans to loans | 3.3937% | 2,076 |
| Net loans and leases to total assets | 57.9487% | 5,971 |
| Net loans and leases to deposits | 73.3844% | 5,552 |
| Net loans and leases to core deposits | 74.9810% | 6,733 |
| Total domestic deposits to total assets | 78.9660% | 5,824 |
| Equity capital to assets | 20.4876% | 352 |
| Core capital (leverage) ratio | 20.4412% | 337 |
| Tier 1 risk-based capital ratio | 36.8851% | 374 |
| Total risk-based capital ratio | 37.8084% | 374 |
| Memoranda: | ||
| Average total assets | $11,530,670 | 8,126 |
| Average earning assets | $10,684,330 | 8,100 |
| Average equity | $2,402,000 | 7,906 |
| Average total loans | $6,924,670 | 7,996 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6530% | 4,032 |
| Cost of funding earning assets | 1.3658% | 6,829 |
| Net interest margin | 4.2872% | 1,637 |
| Noninterest income to average assets | 0.4582% | 4,699 |
| Noninterest expense to average assets | 2.6435% | 5,248 |
| Loan and lease loss provision to assets | 0.1410% | 5,139 |
| Net operating income to assets | 1.4099% | 1,118 |
| Return on assets (ROA) | 1.4099% | 1,202 |
| Pretax return on assets | 1.6566% | 1,279 |
| Return on Equity (ROE) | 6.7100% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.7100% | 2,325 |
| Net charge-offs to loans | 0.2315% | 3,250 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,777 |
| Efficiency ratio | 59.5238% | 6,471 |
| Assets per employee ($millions) | 2.2740% | 7,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 6,331 |
| Loan loss allowance to noncurrent loans | 74.4444% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.0554% | 4,577 |
| Noncurrent loans to loans | 1.3133% | 4,350 |
| Net loans and leases to total assets | 59.6834% | 5,710 |
| Net loans and leases to deposits | 76.2901% | 5,179 |
| Net loans and leases to core deposits | 77.1575% | 6,599 |
| Total domestic deposits to total assets | 78.2322% | 5,934 |
| Equity capital to assets | 21.1434% | 354 |
| Core capital (leverage) ratio | 20.8247% | 361 |
| Tier 1 risk-based capital ratio | 37.7572% | 363 |
| Total risk-based capital ratio | 38.8095% | 363 |
| Memoranda: | ||
| Average total assets | $11,348,500 | 8,177 |
| Average earning assets | $10,543,000 | 8,153 |
| Average equity | $2,384,500 | 7,960 |
| Average total loans | $6,910,000 | 8,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7922% | 6,457 |
| Cost of funding earning assets | 1.6964% | 7,264 |
| Net interest margin | 4.0957% | 2,729 |
| Noninterest income to average assets | 0.4653% | 4,918 |
| Noninterest expense to average assets | 2.9059% | 4,432 |
| Loan and lease loss provision to assets | 0.2546% | 4,374 |
| Net operating income to assets | 0.9657% | 2,718 |
| Return on assets (ROA) | 0.9657% | 2,595 |
| Pretax return on assets | 1.1413% | 2,871 |
| Return on Equity (ROE) | 4.7389% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.7389% | 2,187 |
| Net charge-offs to loans | 0.1940% | 4,247 |
| Credit loss provision to net charge-offs | 223.0769% | 2,137 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 2,272 |
| Efficiency ratio | 67.5510% | 4,807 |
| Assets per employee ($millions) | 2.8318% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,329 |
| Loan loss allowance to noncurrent loans | 29.1304% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 2.2954% | 2,119 |
| Noncurrent loans to loans | 3.3013% | 1,570 |
| Net loans and leases to total assets | 60.9164% | 5,780 |
| Net loans and leases to deposits | 80.7301% | 4,920 |
| Net loans and leases to core deposits | 81.6858% | 6,484 |
| Total domestic deposits to total assets | 75.4569% | 6,352 |
| Equity capital to assets | 20.8793% | 413 |
| Core capital (leverage) ratio | 20.2778% | 423 |
| Tier 1 risk-based capital ratio | 35.7143% | 427 |
| Total risk-based capital ratio | 36.7261% | 425 |
| Memoranda: | ||
| Average total assets | $11,390,600 | 8,227 |
| Average earning assets | $10,669,600 | 8,206 |
| Average equity | $2,321,200 | 8,043 |
| Average total loans | $6,699,800 | 8,094 |