Home > Elgin State Bank > Performance and Condition Ratios
Elgin State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,902 |
| Cost of funding earning assets | 0.9976% | 3,302 |
| Net interest margin | 3.0401% | 3,201 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 3.2035% | 828 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.1383% | 4,442 |
| Return on assets (ROA) | -0.0419% | 4,389 |
| Pretax return on assets | -0.0454% | 4,380 |
| Return on Equity (ROE) | -1.5400% | 4,406 |
| Retained earnings to average equity (ytd only) | -1.5400% | 4,234 |
| Net charge-offs to loans | -0.0053% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 104.2045% | 149 |
| Assets per employee ($millions) | 4.2519% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 3,905 |
| Loan loss allowance to noncurrent loans | 253.2258% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 2,182 |
| Noncurrent loans to loans | 0.3259% | 2,014 |
| Net loans and leases to total assets | 63.3900% | 2,523 |
| Net loans and leases to deposits | 65.6449% | 3,195 |
| Net loans and leases to core deposits | 69.7100% | 3,322 |
| Total domestic deposits to total assets | 96.5700% | 32 |
| Equity capital to assets | 3.0474% | 4,543 |
| Core capital (leverage) ratio | 6.4697% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5741% | 2,389 |
| Memoranda: | ||
| Average total assets | $28,625,200 | 4,474 |
| Average earning assets | $27,466,200 | 4,435 |
| Average equity | $779,200 | 4,526 |
| Average total loans | $18,835,000 | 4,310 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,888 |
| Cost of funding earning assets | 0.8699% | 3,344 |
| Net interest margin | 3.1083% | 3,125 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 3.2085% | 811 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.0642% | 4,462 |
| Return on assets (ROA) | -0.0047% | 4,418 |
| Pretax return on assets | -0.0094% | 4,411 |
| Return on Equity (ROE) | -0.1800% | 4,393 |
| Retained earnings to average equity (ytd only) | -0.1784% | 4,174 |
| Net charge-offs to loans | -0.0071% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 101.7910% | 157 |
| Assets per employee ($millions) | 4.0950% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 3,925 |
| Loan loss allowance to noncurrent loans | 253.2258% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,181 |
| Noncurrent loans to loans | 0.3267% | 2,060 |
| Net loans and leases to total assets | 65.6500% | 2,274 |
| Net loans and leases to deposits | 67.3309% | 3,028 |
| Net loans and leases to core deposits | 71.6259% | 3,119 |
| Total domestic deposits to total assets | 97.5100% | 44 |
| Equity capital to assets | 2.2815% | 4,532 |
| Core capital (leverage) ratio | 6.6313% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8379% | 2,329 |
| Memoranda: | ||
| Average total assets | $28,340,750 | 4,502 |
| Average earning assets | $27,281,500 | 4,456 |
| Average equity | $747,250 | 4,552 |
| Average total loans | $18,787,750 | 4,326 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 3,970 |
| Cost of funding earning assets | 0.7280% | 3,411 |
| Net interest margin | 3.1108% | 3,202 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 3.2516% | 740 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | -0.1156% | 4,520 |
| Return on assets (ROA) | -0.0425% | 4,485 |
| Pretax return on assets | -0.0496% | 4,474 |
| Return on Equity (ROE) | -1.5400% | 4,486 |
| Retained earnings to average equity (ytd only) | -1.5418% | 4,257 |
| Net charge-offs to loans | -0.0107% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.9148% | 140 |
| Assets per employee ($millions) | 4.0711% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 3,953 |
| Loan loss allowance to noncurrent loans | 253.2258% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 2,104 |
| Noncurrent loans to loans | 0.3268% | 1,961 |
| Net loans and leases to total assets | 66.0300% | 2,152 |
| Net loans and leases to deposits | 68.0777% | 2,917 |
| Net loans and leases to core deposits | 71.7483% | 3,025 |
| Total domestic deposits to total assets | 96.9900% | 44 |
| Equity capital to assets | 2.8037% | 4,574 |
| Core capital (leverage) ratio | 6.7956% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8924% | 2,336 |
| Memoranda: | ||
| Average total assets | $28,232,667 | 4,524 |
| Average earning assets | $27,196,000 | 4,486 |
| Average equity | $778,333 | 4,581 |
| Average total loans | $18,725,000 | 4,349 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 3,942 |
| Cost of funding earning assets | 0.5613% | 3,497 |
| Net interest margin | 3.1908% | 3,139 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 3.2883% | 710 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -0.0569% | 4,517 |
| Return on assets (ROA) | 0.0569% | 4,433 |
| Pretax return on assets | 0.0427% | 4,431 |
| Return on Equity (ROE) | 2.0800% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.0833% | 3,689 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 101.7621% | 156 |
| Assets per employee ($millions) | 3.9696% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 4,057 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.9700% | 2,061 |
| Net loans and leases to deposits | 68.0009% | 2,765 |
| Net loans and leases to core deposits | 68.9265% | 3,027 |
| Total domestic deposits to total assets | 97.0100% | 30 |
| Equity capital to assets | 2.9150% | 4,601 |
| Core capital (leverage) ratio | 6.7851% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6101% | 2,134 |
| Memoranda: | ||
| Average total assets | $28,100,000 | 4,587 |
| Average earning assets | $27,078,000 | 4,552 |
| Average equity | $768,000 | 4,652 |
| Average total loans | $18,601,000 | 4,412 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3602% | 3,449 |
| Cost of funding earning assets | 0.2851% | 2,999 |
| Net interest margin | 3.0752% | 3,244 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.9448% | 1,056 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.0163% | 4,552 |
| Return on assets (ROA) | 0.0000% | 4,546 |
| Pretax return on assets | 0.0069% | 4,539 |
| Return on Equity (ROE) | 0.0000% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,341 |
| Net charge-offs to loans | 0.1921% | 425 |
| Credit loss provision to net charge-offs | 130.3030% | 1,406 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 2,534 |
| Efficiency ratio | 94.3771% | 224 |
| Assets per employee ($millions) | 4.7355% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 4,025 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 65.3600% | 2,105 |
| Net loans and leases to deposits | 67.2753% | 2,789 |
| Net loans and leases to core deposits | 68.1568% | 3,000 |
| Total domestic deposits to total assets | 97.1500% | 46 |
| Equity capital to assets | 2.5552% | 4,625 |
| Core capital (leverage) ratio | 6.5992% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5931% | 2,129 |
| Memoranda: | ||
| Average total assets | $29,067,800 | 4,616 |
| Average earning assets | $28,063,600 | 4,581 |
| Average equity | $1,124,600 | 4,702 |
| Average total loans | $17,177,600 | 4,454 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2452% | 3,320 |
| Cost of funding earning assets | 0.2736% | 2,451 |
| Net interest margin | 2.9716% | 3,293 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.8462% | 1,155 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.1642% | 4,502 |
| Return on assets (ROA) | 0.1186% | 4,507 |
| Pretax return on assets | 0.1186% | 4,507 |
| Return on Equity (ROE) | 2.8300% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.8316% | 3,820 |
| Net charge-offs to loans | 0.0318% | 1,206 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,006 |
| Efficiency ratio | 93.9759% | 231 |
| Assets per employee ($millions) | 4.0213% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 4,153 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.4900% | 2,037 |
| Net loans and leases to deposits | 67.2121% | 2,615 |
| Net loans and leases to core deposits | 68.1124% | 2,792 |
| Total domestic deposits to total assets | 95.9500% | 136 |
| Equity capital to assets | 2.8243% | 4,604 |
| Core capital (leverage) ratio | 6.7944% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5600% | 2,235 |
| Memoranda: | ||
| Average total assets | $29,231,500 | 4,649 |
| Average earning assets | $28,267,000 | 4,612 |
| Average equity | $1,224,250 | 4,740 |
| Average total loans | $16,792,000 | 4,492 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 3,309 |
| Cost of funding earning assets | 0.2652% | 2,085 |
| Net interest margin | 2.8336% | 3,335 |
| Noninterest income to average assets | 0.1622% | 4,198 |
| Noninterest expense to average assets | 2.7642% | 1,236 |
| Loan and lease loss provision to assets | 0.0270% | 2,108 |
| Net operating income to assets | 0.1149% | 4,502 |
| Return on assets (ROA) | 0.0406% | 4,528 |
| Pretax return on assets | 0.0406% | 4,522 |
| Return on Equity (ROE) | 0.8776% | 4,476 |
| Retained earnings to average equity (ytd only) | 0.8776% | 4,020 |
| Net charge-offs to loans | 0.0491% | 903 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 1,934 |
| Efficiency ratio | 95.1163% | 259 |
| Assets per employee ($millions) | 4.0894% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 4,096 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,793 |
| Noncurrent loans to loans | 0.0361% | 3,681 |
| Net loans and leases to total assets | 57.4932% | 2,584 |
| Net loans and leases to deposits | 59.6997% | 3,073 |
| Net loans and leases to core deposits | 60.4784% | 3,239 |
| Total domestic deposits to total assets | 96.3041% | 71 |
| Equity capital to assets | 3.6575% | 4,653 |
| Core capital (leverage) ratio | 6.4076% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4273% | 1,891 |
| Memoranda: | ||
| Average total assets | $29,592,333 | 4,683 |
| Average earning assets | $28,655,667 | 4,658 |
| Average equity | $1,367,333 | 4,762 |
| Average total loans | $16,291,333 | 4,560 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9895% | 3,285 |
| Cost of funding earning assets | 0.2606% | 2,039 |
| Net interest margin | 2.7289% | 3,344 |
| Noninterest income to average assets | 0.1729% | 4,132 |
| Noninterest expense to average assets | 2.5935% | 1,627 |
| Loan and lease loss provision to assets | 0.0532% | 1,428 |
| Net operating income to assets | 0.1729% | 4,369 |
| Return on assets (ROA) | 0.1064% | 4,433 |
| Pretax return on assets | 0.1064% | 4,439 |
| Return on Equity (ROE) | 2.0949% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.0949% | 3,517 |
| Net charge-offs to loans | 0.0991% | 523 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 1,632 |
| Efficiency ratio | 91.9811% | 463 |
| Assets per employee ($millions) | 4.2656% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 4,140 |
| Loan loss allowance to noncurrent loans | 92.1053% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 1,179 |
| Noncurrent loans to loans | 0.9290% | 980 |
| Net loans and leases to total assets | 54.3287% | 2,713 |
| Net loans and leases to deposits | 56.8894% | 3,181 |
| Net loans and leases to core deposits | 57.6065% | 3,334 |
| Total domestic deposits to total assets | 95.4988% | 17 |
| Equity capital to assets | 4.4610% | 4,755 |
| Core capital (leverage) ratio | 6.3211% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2279% | 2,106 |
| Memoranda: | ||
| Average total assets | $30,075,500 | 4,703 |
| Average earning assets | $29,169,000 | 4,685 |
| Average equity | $1,527,500 | 4,785 |
| Average total loans | $16,138,000 | 4,579 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4374% | 2,835 |
| Cost of funding earning assets | 0.3115% | 2,281 |
| Net interest margin | 3.1259% | 2,819 |
| Noninterest income to average assets | 0.1403% | 4,450 |
| Noninterest expense to average assets | 2.9332% | 1,091 |
| Loan and lease loss provision to assets | 0.0753% | 1,610 |
| Net operating income to assets | 0.1540% | 4,573 |
| Return on assets (ROA) | 0.2225% | 4,532 |
| Pretax return on assets | 0.2225% | 4,556 |
| Return on Equity (ROE) | 3.6819% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.6819% | 3,350 |
| Net charge-offs to loans | 0.0400% | 1,456 |
| Credit loss provision to net charge-offs | 366.6667% | 959 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 2,167 |
| Efficiency ratio | 92.7489% | 253 |
| Assets per employee ($millions) | 5.0487% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,112 |
| Loan loss allowance to noncurrent loans | 1,555.5556% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,827 |
| Noncurrent loans to loans | 0.0566% | 3,673 |
| Net loans and leases to total assets | 52.0732% | 3,058 |
| Net loans and leases to deposits | 55.2350% | 3,492 |
| Net loans and leases to core deposits | 55.9282% | 3,624 |
| Total domestic deposits to total assets | 94.2757% | 11 |
| Equity capital to assets | 5.6880% | 4,822 |
| Core capital (leverage) ratio | 6.2655% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6377% | 2,002 |
| Memoranda: | ||
| Average total assets | $29,217,400 | 4,749 |
| Average earning assets | $28,248,000 | 4,725 |
| Average equity | $1,765,400 | 4,822 |
| Average total loans | $14,991,800 | 4,652 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 2,583 |
| Cost of funding earning assets | 0.3239% | 2,360 |
| Net interest margin | 3.2671% | 2,522 |
| Noninterest income to average assets | 0.1428% | 4,482 |
| Noninterest expense to average assets | 2.9661% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3362% | 4,462 |
| Return on assets (ROA) | 0.4007% | 4,402 |
| Pretax return on assets | 0.4007% | 4,492 |
| Return on Equity (ROE) | 6.5314% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.5314% | 2,603 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8187% | 326 |
| Assets per employee ($millions) | 4.1554% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 4,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.7030% | 2,881 |
| Net loans and leases to deposits | 58.3113% | 3,382 |
| Net loans and leases to core deposits | 59.0777% | 3,542 |
| Total domestic deposits to total assets | 93.8119% | 13 |
| Equity capital to assets | 6.1434% | 4,881 |
| Core capital (leverage) ratio | 6.3944% | 4,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7780% | 2,055 |
| Memoranda: | ||
| Average total assets | $28,948,750 | 4,822 |
| Average earning assets | $27,995,500 | 4,797 |
| Average equity | $1,776,000 | 4,895 |
| Average total loans | $14,761,250 | 4,725 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 1,972 |
| Cost of funding earning assets | 0.3217% | 2,573 |
| Net interest margin | 3.5172% | 1,810 |
| Noninterest income to average assets | 0.1661% | 4,371 |
| Noninterest expense to average assets | 2.9409% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6297% | 3,919 |
| Return on assets (ROA) | 0.6989% | 3,834 |
| Pretax return on assets | 0.6989% | 4,068 |
| Return on Equity (ROE) | 11.3974% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.3974% | 1,033 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3643% | 647 |
| Assets per employee ($millions) | 4.5964% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.5711% | 3,770 |
| Net loans and leases to deposits | 50.4532% | 4,080 |
| Net loans and leases to core deposits | 51.0455% | 4,183 |
| Total domestic deposits to total assets | 94.2875% | 9 |
| Equity capital to assets | 5.6721% | 4,935 |
| Core capital (leverage) ratio | 6.3583% | 4,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0135% | 1,968 |
| Memoranda: | ||
| Average total assets | $28,902,333 | 4,855 |
| Average earning assets | $27,977,000 | 4,830 |
| Average equity | $1,772,333 | 4,930 |
| Average total loans | $14,336,333 | 4,765 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0842% | 1,430 |
| Cost of funding earning assets | 0.3340% | 2,671 |
| Net interest margin | 3.7502% | 1,233 |
| Noninterest income to average assets | 0.2201% | 4,064 |
| Noninterest expense to average assets | 3.1248% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7188% | 3,667 |
| Return on assets (ROA) | 0.8655% | 3,308 |
| Pretax return on assets | 0.8655% | 3,681 |
| Return on Equity (ROE) | 13.5166% | 1,535 |
| Retained earnings to average equity (ytd only) | 13.5166% | 813 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2977% | 740 |
| Assets per employee ($millions) | 4.0003% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 4,266 |
| Loan loss allowance to noncurrent loans | 12,400.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,376 |
| Noncurrent loans to loans | 0.0070% | 4,290 |
| Net loans and leases to total assets | 50.9392% | 3,543 |
| Net loans and leases to deposits | 54.2605% | 3,920 |
| Net loans and leases to core deposits | 54.9990% | 4,048 |
| Total domestic deposits to total assets | 93.8790% | 11 |
| Equity capital to assets | 6.0746% | 4,935 |
| Core capital (leverage) ratio | 6.8957% | 4,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6757% | 1,678 |
| Memoranda: | ||
| Average total assets | $27,266,000 | 4,889 |
| Average earning assets | $26,345,500 | 4,864 |
| Average equity | $1,746,000 | 4,957 |
| Average total loans | $13,789,500 | 4,802 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4932% | 4,041 |
| Cost of funding earning assets | 0.4818% | 3,070 |
| Net interest margin | 3.0114% | 3,858 |
| Noninterest income to average assets | 0.1999% | 4,281 |
| Noninterest expense to average assets | 3.2060% | 1,046 |
| Loan and lease loss provision to assets | 0.0320% | 3,997 |
| Net operating income to assets | -0.1399% | 4,805 |
| Return on assets (ROA) | -0.0320% | 4,785 |
| Pretax return on assets | -0.0320% | 4,776 |
| Return on Equity (ROE) | -0.4396% | 4,793 |
| Retained earnings to average equity (ytd only) | -0.4396% | 4,584 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4839% | 148 |
| Assets per employee ($millions) | 3.7900% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 4,075 |
| Loan loss allowance to noncurrent loans | 12,400.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,446 |
| Noncurrent loans to loans | 0.0076% | 4,357 |
| Net loans and leases to total assets | 49.2537% | 3,883 |
| Net loans and leases to deposits | 52.8622% | 4,170 |
| Net loans and leases to core deposits | 53.6236% | 4,278 |
| Total domestic deposits to total assets | 93.1738% | 13 |
| Equity capital to assets | 6.7508% | 4,938 |
| Core capital (leverage) ratio | 6.9741% | 4,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3059% | 1,442 |
| Memoranda: | ||
| Average total assets | $25,015,600 | 4,909 |
| Average earning assets | $24,075,400 | 4,888 |
| Average equity | $1,820,000 | 4,979 |
| Average total loans | $12,987,000 | 4,841 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 3,984 |
| Cost of funding earning assets | 0.5065% | 3,180 |
| Net interest margin | 3.1068% | 3,721 |
| Noninterest income to average assets | 0.2111% | 4,215 |
| Noninterest expense to average assets | 3.2849% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0866% | 4,806 |
| Return on assets (ROA) | 0.0325% | 4,772 |
| Pretax return on assets | 0.0325% | 4,765 |
| Return on Equity (ROE) | 0.4378% | 4,760 |
| Retained earnings to average equity (ytd only) | 0.4378% | 4,399 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7073% | 149 |
| Assets per employee ($millions) | 3.5599% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 4,231 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 4,470 |
| Noncurrent loans to loans | 0.0146% | 4,384 |
| Net loans and leases to total assets | 54.4324% | 3,766 |
| Net loans and leases to deposits | 58.8077% | 4,128 |
| Net loans and leases to core deposits | 59.7165% | 4,221 |
| Total domestic deposits to total assets | 92.5599% | 22 |
| Equity capital to assets | 7.3598% | 4,889 |
| Core capital (leverage) ratio | 7.4828% | 4,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4026% | 1,394 |
| Memoranda: | ||
| Average total assets | $24,637,000 | 4,943 |
| Average earning assets | $23,689,750 | 4,923 |
| Average equity | $1,827,250 | 5,011 |
| Average total loans | $12,936,000 | 4,875 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 4,328 |
| Cost of funding earning assets | 0.5259% | 3,378 |
| Net interest margin | 3.0365% | 4,044 |
| Noninterest income to average assets | 0.2445% | 4,015 |
| Noninterest expense to average assets | 3.3981% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.2363% | 4,869 |
| Return on assets (ROA) | -0.0489% | 4,815 |
| Pretax return on assets | -0.0489% | 4,810 |
| Return on Equity (ROE) | -0.6575% | 4,830 |
| Retained earnings to average equity (ytd only) | -0.6575% | 4,427 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4742% | 125 |
| Assets per employee ($millions) | 3.4939% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,066 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,544 |
| Noncurrent loans to loans | 0.0152% | 4,447 |
| Net loans and leases to total assets | 53.2158% | 3,940 |
| Net loans and leases to deposits | 57.5859% | 4,239 |
| Net loans and leases to core deposits | 58.4812% | 4,330 |
| Total domestic deposits to total assets | 92.4112% | 30 |
| Equity capital to assets | 7.4784% | 4,883 |
| Core capital (leverage) ratio | 7.3076% | 4,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1868% | 1,209 |
| Memoranda: | ||
| Average total assets | $24,543,000 | 4,975 |
| Average earning assets | $23,580,000 | 4,954 |
| Average equity | $1,825,000 | 5,043 |
| Average total loans | $12,688,000 | 4,909 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 4,355 |
| Cost of funding earning assets | 0.5264% | 3,818 |
| Net interest margin | 3.1922% | 3,879 |
| Noninterest income to average assets | 0.3417% | 3,471 |
| Noninterest expense to average assets | 3.5955% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1952% | 4,848 |
| Return on assets (ROA) | -0.1952% | 4,824 |
| Pretax return on assets | -0.1952% | 4,807 |
| Return on Equity (ROE) | -2.6330% | 4,861 |
| Retained earnings to average equity (ytd only) | -2.6330% | 4,316 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7416% | 177 |
| Assets per employee ($millions) | 3.5547% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,848 |
| Loan loss allowance to noncurrent loans | 3,866.6667% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,588 |
| Noncurrent loans to loans | 0.0251% | 4,469 |
| Net loans and leases to total assets | 47.6349% | 4,356 |
| Net loans and leases to deposits | 51.4699% | 4,542 |
| Net loans and leases to core deposits | 52.2527% | 4,622 |
| Total domestic deposits to total assets | 92.5491% | 22 |
| Equity capital to assets | 7.3504% | 5,048 |
| Core capital (leverage) ratio | 7.5184% | 5,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9154% | 1,367 |
| Memoranda: | ||
| Average total assets | $24,586,000 | 5,023 |
| Average earning assets | $23,557,500 | 5,000 |
| Average equity | $1,823,000 | 5,090 |
| Average total loans | $12,466,500 | 4,955 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 4,394 |
| Cost of funding earning assets | 0.5355% | 3,945 |
| Net interest margin | 3.3841% | 3,785 |
| Noninterest income to average assets | 0.2457% | 4,213 |
| Noninterest expense to average assets | 3.4402% | 1,045 |
| Loan and lease loss provision to assets | 0.0041% | 3,920 |
| Net operating income to assets | 0.0285% | 4,956 |
| Return on assets (ROA) | 0.0123% | 4,986 |
| Pretax return on assets | 0.0164% | 4,978 |
| Return on Equity (ROE) | 0.1741% | 4,982 |
| Retained earnings to average equity (ytd only) | 0.1741% | 4,637 |
| Net charge-offs to loans | 0.0082% | 3,386 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,608 |
| Efficiency ratio | 98.8235% | 175 |
| Assets per employee ($millions) | 3.4699% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 3,986 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 4,576 |
| Noncurrent loans to loans | 0.0309% | 4,441 |
| Net loans and leases to total assets | 52.8964% | 4,157 |
| Net loans and leases to deposits | 57.2370% | 4,407 |
| Net loans and leases to core deposits | 58.1173% | 4,516 |
| Total domestic deposits to total assets | 92.4163% | 24 |
| Equity capital to assets | 7.4808% | 5,112 |
| Core capital (leverage) ratio | 7.7758% | 5,076 |
| Tier 1 risk-based capital ratio | 15.0967% | 2,743 |
| Total risk-based capital ratio | 16.0510% | 2,792 |
| Memoranda: | ||
| Average total assets | $24,417,200 | 5,079 |
| Average earning assets | $23,344,200 | 5,058 |
| Average equity | $1,723,400 | 5,151 |
| Average total loans | $12,213,400 | 5,026 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 4,492 |
| Cost of funding earning assets | 0.5361% | 3,995 |
| Net interest margin | 3.3933% | 3,878 |
| Noninterest income to average assets | 0.2454% | 4,268 |
| Noninterest expense to average assets | 3.4247% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0562% | 5,044 |
| Return on assets (ROA) | 0.0327% | 5,067 |
| Pretax return on assets | 0.0382% | 5,062 |
| Return on Equity (ROE) | 0.4706% | 5,055 |
| Retained earnings to average equity (ytd only) | 0.4706% | 4,672 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1250% | 169 |
| Assets per employee ($millions) | 3.2676% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,066 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,661 |
| Noncurrent loans to loans | 0.0308% | 4,530 |
| Net loans and leases to total assets | 56.1929% | 4,034 |
| Net loans and leases to deposits | 61.1378% | 4,338 |
| Net loans and leases to core deposits | 62.1428% | 4,451 |
| Total domestic deposits to total assets | 91.9119% | 41 |
| Equity capital to assets | 7.9920% | 5,131 |
| Core capital (leverage) ratio | 7.8635% | 5,143 |
| Tier 1 risk-based capital ratio | 15.4760% | 2,646 |
| Total risk-based capital ratio | 16.4532% | 2,685 |
| Memoranda: | ||
| Average total assets | $24,449,250 | 5,156 |
| Average earning assets | $23,378,750 | 5,133 |
| Average equity | $1,700,000 | 5,229 |
| Average total loans | $12,025,750 | 5,107 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 4,640 |
| Cost of funding earning assets | 0.5427% | 3,920 |
| Net interest margin | 3.3060% | 4,128 |
| Noninterest income to average assets | 0.2322% | 4,360 |
| Noninterest expense to average assets | 3.3794% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0160% | 5,094 |
| Return on assets (ROA) | -0.0160% | 5,112 |
| Pretax return on assets | -0.0080% | 5,110 |
| Return on Equity (ROE) | -0.2414% | 5,116 |
| Retained earnings to average equity (ytd only) | -0.2414% | 4,724 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2941% | 163 |
| Assets per employee ($millions) | 3.4569% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,917 |
| Loan loss allowance to noncurrent loans | 2,320.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,680 |
| Noncurrent loans to loans | 0.0405% | 4,507 |
| Net loans and leases to total assets | 50.5248% | 4,442 |
| Net loans and leases to deposits | 54.6413% | 4,657 |
| Net loans and leases to core deposits | 55.4719% | 4,731 |
| Total domestic deposits to total assets | 92.4663% | 23 |
| Equity capital to assets | 7.4428% | 5,240 |
| Core capital (leverage) ratio | 7.2964% | 5,248 |
| Tier 1 risk-based capital ratio | 15.6660% | 2,560 |
| Total risk-based capital ratio | 16.6595% | 2,586 |
| Memoranda: | ||
| Average total assets | $24,974,670 | 5,200 |
| Average earning assets | $23,956,330 | 5,177 |
| Average equity | $1,657,330 | 5,276 |
| Average total loans | $11,711,330 | 5,157 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 4,803 |
| Cost of funding earning assets | 0.5261% | 3,940 |
| Net interest margin | 3.2061% | 4,372 |
| Noninterest income to average assets | 0.2839% | 3,978 |
| Noninterest expense to average assets | 3.1857% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1577% | 5,045 |
| Return on assets (ROA) | 0.1577% | 5,051 |
| Pretax return on assets | 0.1735% | 5,052 |
| Return on Equity (ROE) | 2.5229% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.5229% | 3,918 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8357% | 252 |
| Assets per employee ($millions) | 3.6461% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,622 |
| Loan loss allowance to noncurrent loans | 1,933.3333% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 4,732 |
| Noncurrent loans to loans | 0.0523% | 4,527 |
| Net loans and leases to total assets | 44.4932% | 4,724 |
| Net loans and leases to deposits | 47.6922% | 4,882 |
| Net loans and leases to core deposits | 50.5880% | 4,874 |
| Total domestic deposits to total assets | 93.2923% | 18 |
| Equity capital to assets | 6.6411% | 5,326 |
| Core capital (leverage) ratio | 7.4426% | 5,290 |
| Tier 1 risk-based capital ratio | 15.4875% | 2,659 |
| Total risk-based capital ratio | 16.4634% | 2,694 |
| Memoranda: | ||
| Average total assets | $25,363,000 | 5,251 |
| Average earning assets | $24,328,500 | 5,223 |
| Average equity | $1,585,500 | 5,338 |
| Average total loans | $11,396,000 | 5,220 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,509 |
| Cost of funding earning assets | 0.4112% | 3,917 |
| Net interest margin | 3.3793% | 4,053 |
| Noninterest income to average assets | 0.2618% | 4,365 |
| Noninterest expense to average assets | 3.3129% | 1,289 |
| Loan and lease loss provision to assets | 0.0245% | 3,680 |
| Net operating income to assets | 0.1513% | 5,146 |
| Return on assets (ROA) | 0.1145% | 5,165 |
| Pretax return on assets | 0.1145% | 5,168 |
| Return on Equity (ROE) | 1.9589% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.6091% | 4,497 |
| Net charge-offs to loans | 0.0093% | 3,360 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,249 |
| Efficiency ratio | 94.9590% | 226 |
| Assets per employee ($millions) | 3.6004% | 4,450 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,527 |
| Loan loss allowance to noncurrent loans | 1,933.3333% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 4,752 |
| Noncurrent loans to loans | 0.0530% | 4,511 |
| Net loans and leases to total assets | 44.4550% | 4,798 |
| Net loans and leases to deposits | 47.2563% | 4,948 |
| Net loans and leases to core deposits | 50.1275% | 4,941 |
| Total domestic deposits to total assets | 94.0721% | 11 |
| Equity capital to assets | 5.8564% | 5,384 |
| Core capital (leverage) ratio | 7.4572% | 5,329 |
| Tier 1 risk-based capital ratio | 15.8258% | 2,485 |
| Total risk-based capital ratio | 16.8279% | 2,507 |
| Memoranda: | ||
| Average total assets | $24,449,600 | 5,304 |
| Average earning assets | $23,348,000 | 5,281 |
| Average equity | $1,429,400 | 5,386 |
| Average total loans | $10,747,800 | 5,275 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,544 |
| Cost of funding earning assets | 0.3684% | 4,064 |
| Net interest margin | 3.3850% | 4,048 |
| Noninterest income to average assets | 0.2363% | 4,558 |
| Noninterest expense to average assets | 3.3413% | 1,220 |
| Loan and lease loss provision to assets | 0.0055% | 3,865 |
| Net operating income to assets | 0.1209% | 5,243 |
| Return on assets (ROA) | 0.0714% | 5,260 |
| Pretax return on assets | 0.0714% | 5,262 |
| Return on Equity (ROE) | 1.2224% | 5,210 |
| Retained earnings to average equity (ytd only) | 1.2224% | 4,801 |
| Net charge-offs to loans | 0.0125% | 2,971 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 23.0602% | 1,852 |
| Efficiency ratio | 96.3550% | 196 |
| Assets per employee ($millions) | 3.4877% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,045 |
| Loan loss allowance to noncurrent loans | 1,585.7143% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,844 |
| Noncurrent loans to loans | 0.0600% | 4,623 |
| Net loans and leases to total assets | 47.3622% | 4,744 |
| Net loans and leases to deposits | 50.0823% | 4,952 |
| Net loans and leases to core deposits | 53.2121% | 4,931 |
| Total domestic deposits to total assets | 94.5687% | 7 |
| Equity capital to assets | 5.3658% | 5,458 |
| Core capital (leverage) ratio | 7.6474% | 5,377 |
| Tier 1 risk-based capital ratio | 15.5143% | 2,648 |
| Total risk-based capital ratio | 16.4595% | 2,707 |
| Memoranda: | ||
| Average total assets | $24,261,250 | 5,375 |
| Average earning assets | $23,160,500 | 5,352 |
| Average equity | $1,417,750 | 5,457 |
| Average total loans | $10,604,750 | 5,341 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 4,620 |
| Cost of funding earning assets | 0.3382% | 4,147 |
| Net interest margin | 3.3473% | 4,112 |
| Noninterest income to average assets | 0.2396% | 4,581 |
| Noninterest expense to average assets | 3.4118% | 1,126 |
| Loan and lease loss provision to assets | 0.0083% | 3,679 |
| Net operating income to assets | 0.0083% | 5,338 |
| Return on assets (ROA) | -0.0248% | 5,345 |
| Pretax return on assets | -0.0248% | 5,343 |
| Return on Equity (ROE) | -0.4127% | 5,357 |
| Retained earnings to average equity (ytd only) | -0.4127% | 5,016 |
| Net charge-offs to loans | 0.0195% | 2,498 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,005 |
| Efficiency ratio | 99.5181% | 179 |
| Assets per employee ($millions) | 3.4346% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,778 |
| Loan loss allowance to noncurrent loans | 1,387.5000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 4,859 |
| Noncurrent loans to loans | 0.0727% | 4,598 |
| Net loans and leases to total assets | 45.3041% | 4,858 |
| Net loans and leases to deposits | 48.1095% | 5,025 |
| Net loans and leases to core deposits | 48.1095% | 5,089 |
| Total domestic deposits to total assets | 94.1685% | 13 |
| Equity capital to assets | 5.7815% | 5,510 |
| Core capital (leverage) ratio | 7.6519% | 5,420 |
| Tier 1 risk-based capital ratio | 16.0533% | 2,415 |
| Total risk-based capital ratio | 17.0400% | 2,463 |
| Memoranda: | ||
| Average total assets | $24,210,330 | 5,438 |
| Average earning assets | $23,063,330 | 5,417 |
| Average equity | $1,453,670 | 5,519 |
| Average total loans | $10,248,330 | 5,408 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,692 |
| Cost of funding earning assets | 0.3278% | 4,146 |
| Net interest margin | 3.2781% | 4,243 |
| Noninterest income to average assets | 0.2470% | 4,522 |
| Noninterest expense to average assets | 3.4411% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0659% | 5,411 |
| Return on assets (ROA) | -0.1317% | 5,423 |
| Pretax return on assets | -0.1317% | 5,421 |
| Return on Equity (ROE) | -2.1542% | 5,454 |
| Retained earnings to average equity (ytd only) | -2.1542% | 5,022 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9512% | 160 |
| Assets per employee ($millions) | 3.4857% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,441 |
| Loan loss allowance to noncurrent loans | 1,387.5000% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 4,944 |
| Noncurrent loans to loans | 0.0787% | 4,629 |
| Net loans and leases to total assets | 41.2049% | 5,015 |
| Net loans and leases to deposits | 43.7606% | 5,165 |
| Net loans and leases to core deposits | 43.7606% | 5,214 |
| Total domestic deposits to total assets | 94.1598% | 16 |
| Equity capital to assets | 5.7951% | 5,572 |
| Core capital (leverage) ratio | 7.5880% | 5,495 |
| Tier 1 risk-based capital ratio | 16.0217% | 2,461 |
| Total risk-based capital ratio | 17.0092% | 2,523 |
| Memoranda: | ||
| Average total assets | $24,294,500 | 5,495 |
| Average earning assets | $23,184,500 | 5,477 |
| Average equity | $1,485,500 | 5,578 |
| Average total loans | $9,871,000 | 5,478 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6641% | 4,421 |
| Cost of funding earning assets | 0.3283% | 3,892 |
| Net interest margin | 3.3358% | 4,051 |
| Noninterest income to average assets | 0.2704% | 4,505 |
| Noninterest expense to average assets | 3.3887% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0549% | 5,301 |
| Return on assets (ROA) | 0.0549% | 5,310 |
| Pretax return on assets | 0.0592% | 5,401 |
| Return on Equity (ROE) | 0.8237% | 5,260 |
| Retained earnings to average equity (ytd only) | 0.8237% | 4,701 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2843% | 200 |
| Assets per employee ($millions) | 3.4556% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,012 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 4,594 |
| Noncurrent loans to loans | 0.0940% | 4,569 |
| Net loans and leases to total assets | 39.1335% | 5,168 |
| Net loans and leases to deposits | 41.8461% | 5,302 |
| Net loans and leases to core deposits | 41.8461% | 5,342 |
| Total domestic deposits to total assets | 93.5177% | 20 |
| Equity capital to assets | 6.4368% | 5,618 |
| Core capital (leverage) ratio | 7.5479% | 5,553 |
| Tier 1 risk-based capital ratio | 16.9907% | 2,099 |
| Total risk-based capital ratio | 18.0332% | 2,112 |
| Memoranda: | ||
| Average total assets | $23,667,000 | 5,562 |
| Average earning assets | $22,543,000 | 5,536 |
| Average equity | $1,578,200 | 5,639 |
| Average total loans | $9,179,400 | 5,555 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6677% | 4,403 |
| Cost of funding earning assets | 0.3329% | 3,829 |
| Net interest margin | 3.3348% | 4,066 |
| Noninterest income to average assets | 0.2663% | 4,605 |
| Noninterest expense to average assets | 3.4159% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0226% | 5,500 |
| Return on assets (ROA) | 0.0226% | 5,507 |
| Pretax return on assets | 0.0283% | 5,498 |
| Return on Equity (ROE) | 0.3366% | 5,496 |
| Retained earnings to average equity (ytd only) | 0.3366% | 5,142 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1776% | 190 |
| Assets per employee ($millions) | 2.8878% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 3,242 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,682 |
| Noncurrent loans to loans | 0.0926% | 4,697 |
| Net loans and leases to total assets | 41.5938% | 5,131 |
| Net loans and leases to deposits | 45.0302% | 5,286 |
| Net loans and leases to core deposits | 45.0302% | 5,341 |
| Total domestic deposits to total assets | 92.3686% | 44 |
| Equity capital to assets | 6.9734% | 5,661 |
| Core capital (leverage) ratio | 7.7623% | 5,582 |
| Tier 1 risk-based capital ratio | 17.2084% | 2,092 |
| Total risk-based capital ratio | 18.2696% | 2,105 |
| Memoranda: | ||
| Average total assets | $23,536,500 | 5,627 |
| Average earning assets | $22,429,750 | 5,599 |
| Average equity | $1,583,500 | 5,707 |
| Average total loans | $9,080,000 | 5,620 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 4,398 |
| Cost of funding earning assets | 0.3283% | 3,814 |
| Net interest margin | 3.3101% | 4,071 |
| Noninterest income to average assets | 0.2703% | 4,612 |
| Noninterest expense to average assets | 3.4373% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0253% | 5,561 |
| Return on assets (ROA) | -0.0253% | 5,563 |
| Pretax return on assets | -0.0169% | 5,553 |
| Return on Equity (ROE) | -0.3811% | 5,571 |
| Retained earnings to average equity (ytd only) | -0.3811% | 5,142 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4938% | 182 |
| Assets per employee ($millions) | 2.8403% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 2,926 |
| Loan loss allowance to noncurrent loans | 1,110.0000% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 4,693 |
| Noncurrent loans to loans | 0.1095% | 4,681 |
| Net loans and leases to total assets | 39.7060% | 5,233 |
| Net loans and leases to deposits | 42.8232% | 5,376 |
| Net loans and leases to core deposits | 42.8232% | 5,427 |
| Total domestic deposits to total assets | 92.7207% | 37 |
| Equity capital to assets | 7.2309% | 5,689 |
| Core capital (leverage) ratio | 7.5618% | 5,644 |
| Tier 1 risk-based capital ratio | 17.9003% | 1,884 |
| Total risk-based capital ratio | 19.0091% | 1,889 |
| Memoranda: | ||
| Average total assets | $23,681,330 | 5,669 |
| Average earning assets | $22,537,330 | 5,646 |
| Average equity | $1,574,330 | 5,758 |
| Average total loans | $8,866,670 | 5,672 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 4,567 |
| Cost of funding earning assets | 0.3140% | 3,909 |
| Net interest margin | 3.2276% | 4,254 |
| Noninterest income to average assets | 0.2814% | 4,539 |
| Noninterest expense to average assets | 3.3442% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0166% | 5,611 |
| Return on assets (ROA) | -0.0166% | 5,619 |
| Pretax return on assets | 0.0000% | 5,599 |
| Return on Equity (ROE) | -0.2597% | 5,628 |
| Retained earnings to average equity (ytd only) | -0.2597% | 4,961 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 222 |
| Assets per employee ($millions) | 3.0151% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,765 |
| Loan loss allowance to noncurrent loans | 1,110.0000% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 4,803 |
| Noncurrent loans to loans | 0.1134% | 4,742 |
| Net loans and leases to total assets | 36.1013% | 5,396 |
| Net loans and leases to deposits | 38.6318% | 5,510 |
| Net loans and leases to core deposits | 38.6318% | 5,554 |
| Total domestic deposits to total assets | 93.4497% | 27 |
| Equity capital to assets | 6.5047% | 5,792 |
| Core capital (leverage) ratio | 7.5706% | 5,691 |
| Tier 1 risk-based capital ratio | 18.5338% | 1,736 |
| Total risk-based capital ratio | 19.6799% | 1,716 |
| Memoranda: | ||
| Average total assets | $24,161,000 | 5,732 |
| Average earning assets | $22,927,000 | 5,707 |
| Average equity | $1,540,000 | 5,825 |
| Average total loans | $8,733,500 | 5,738 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,217 |
| Cost of funding earning assets | 0.3337% | 3,708 |
| Net interest margin | 3.3638% | 3,947 |
| Noninterest income to average assets | 0.2398% | 4,988 |
| Noninterest expense to average assets | 3.3658% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0685% | 5,595 |
| Return on assets (ROA) | 0.0685% | 5,621 |
| Pretax return on assets | 0.0685% | 5,620 |
| Return on Equity (ROE) | 0.9327% | 5,578 |
| Retained earnings to average equity (ytd only) | 0.9327% | 4,947 |
| Net charge-offs to loans | 0.0117% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 2,149 |
| Efficiency ratio | 98.0050% | 249 |
| Assets per employee ($millions) | 3.0251% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,633 |
| Loan loss allowance to noncurrent loans | 1,009.0909% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,763 |
| Noncurrent loans to loans | 0.1272% | 4,727 |
| Net loans and leases to total assets | 35.2754% | 5,510 |
| Net loans and leases to deposits | 37.6428% | 5,609 |
| Net loans and leases to core deposits | 37.6428% | 5,644 |
| Total domestic deposits to total assets | 93.7110% | 27 |
| Equity capital to assets | 6.2435% | 5,847 |
| Core capital (leverage) ratio | 7.6063% | 5,727 |
| Tier 1 risk-based capital ratio | 18.5250% | 1,721 |
| Total risk-based capital ratio | 19.6699% | 1,714 |
| Memoranda: | ||
| Average total assets | $23,352,800 | 5,797 |
| Average earning assets | $22,177,400 | 5,772 |
| Average equity | $1,715,400 | 5,871 |
| Average total loans | $8,575,000 | 5,797 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,168 |
| Cost of funding earning assets | 0.3380% | 3,674 |
| Net interest margin | 3.3866% | 3,901 |
| Noninterest income to average assets | 0.2535% | 4,947 |
| Noninterest expense to average assets | 3.3821% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1037% | 5,621 |
| Return on assets (ROA) | 0.1037% | 5,671 |
| Pretax return on assets | 0.1037% | 5,676 |
| Return on Equity (ROE) | 1.3586% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.3586% | 4,967 |
| Net charge-offs to loans | 0.0155% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.0451% | 2,019 |
| Efficiency ratio | 97.0248% | 286 |
| Assets per employee ($millions) | 2.7419% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 3,082 |
| Loan loss allowance to noncurrent loans | 1,009.0909% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,839 |
| Noncurrent loans to loans | 0.1216% | 4,855 |
| Net loans and leases to total assets | 40.7249% | 5,345 |
| Net loans and leases to deposits | 44.4185% | 5,499 |
| Net loans and leases to core deposits | 44.4185% | 5,570 |
| Total domestic deposits to total assets | 91.6845% | 98 |
| Equity capital to assets | 8.2471% | 5,651 |
| Core capital (leverage) ratio | 7.7866% | 5,762 |
| Tier 1 risk-based capital ratio | 19.0967% | 1,655 |
| Total risk-based capital ratio | 20.2763% | 1,625 |
| Memoranda: | ||
| Average total assets | $23,140,750 | 5,857 |
| Average earning assets | $22,086,250 | 5,836 |
| Average equity | $1,766,500 | 5,931 |
| Average total loans | $8,556,750 | 5,858 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 4,541 |
| Cost of funding earning assets | 0.3288% | 3,808 |
| Net interest margin | 3.2882% | 4,270 |
| Noninterest income to average assets | 0.2634% | 4,900 |
| Noninterest expense to average assets | 3.4066% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0000% | 5,767 |
| Return on assets (ROA) | 0.0000% | 5,795 |
| Pretax return on assets | 0.0000% | 5,790 |
| Return on Equity (ROE) | 0.0000% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 242 |
| Assets per employee ($millions) | 2.9694% | 5,464 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,851 |
| Loan loss allowance to noncurrent loans | 933.3333% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 4,940 |
| Noncurrent loans to loans | 0.1381% | 4,882 |
| Net loans and leases to total assets | 36.1103% | 5,600 |
| Net loans and leases to deposits | 39.1207% | 5,718 |
| Net loans and leases to core deposits | 39.1207% | 5,768 |
| Total domestic deposits to total assets | 92.3048% | 65 |
| Equity capital to assets | 7.6279% | 5,892 |
| Core capital (leverage) ratio | 7.5542% | 5,871 |
| Tier 1 risk-based capital ratio | 19.1131% | 1,667 |
| Total risk-based capital ratio | 20.3157% | 1,646 |
| Memoranda: | ||
| Average total assets | $23,542,670 | 5,929 |
| Average earning assets | $22,504,670 | 5,904 |
| Average equity | $1,752,330 | 6,008 |
| Average total loans | $8,394,330 | 5,937 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 4,517 |
| Cost of funding earning assets | 0.3224% | 3,917 |
| Net interest margin | 3.3133% | 4,177 |
| Noninterest income to average assets | 0.3243% | 4,416 |
| Noninterest expense to average assets | 3.4305% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0512% | 5,739 |
| Return on assets (ROA) | 0.0512% | 5,778 |
| Pretax return on assets | 0.0512% | 5,780 |
| Return on Equity (ROE) | 0.6967% | 5,743 |
| Retained earnings to average equity (ytd only) | 0.6967% | 4,938 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5294% | 327 |
| Assets per employee ($millions) | 2.9485% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,750 |
| Loan loss allowance to noncurrent loans | 861.5385% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 4,979 |
| Noncurrent loans to loans | 0.1546% | 4,861 |
| Net loans and leases to total assets | 35.1704% | 5,669 |
| Net loans and leases to deposits | 38.1022% | 5,773 |
| Net loans and leases to core deposits | 38.1022% | 5,821 |
| Total domestic deposits to total assets | 92.3054% | 82 |
| Equity capital to assets | 7.6310% | 5,923 |
| Core capital (leverage) ratio | 7.7505% | 5,865 |
| Tier 1 risk-based capital ratio | 19.7213% | 1,566 |
| Total risk-based capital ratio | 20.9601% | 1,533 |
| Memoranda: | ||
| Average total assets | $23,436,500 | 5,993 |
| Average earning assets | $22,334,000 | 5,966 |
| Average equity | $1,722,500 | 6,071 |
| Average total loans | $8,246,500 | 6,000 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,536 |
| Cost of funding earning assets | 0.3700% | 3,489 |
| Net interest margin | 3.2767% | 4,384 |
| Noninterest income to average assets | 0.2300% | 5,215 |
| Noninterest expense to average assets | 3.2793% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0809% | 5,778 |
| Return on assets (ROA) | 0.0681% | 5,832 |
| Pretax return on assets | 0.0681% | 5,828 |
| Return on Equity (ROE) | 0.9823% | 5,773 |
| Retained earnings to average equity (ytd only) | 0.9823% | 5,127 |
| Net charge-offs to loans | 0.0779% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 3,760 |
| Efficiency ratio | 97.5919% | 351 |
| Assets per employee ($millions) | 3.3264% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 2,499 |
| Loan loss allowance to noncurrent loans | 861.5385% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 4,955 |
| Noncurrent loans to loans | 0.1608% | 4,851 |
| Net loans and leases to total assets | 34.2409% | 5,766 |
| Net loans and leases to deposits | 36.8591% | 5,868 |
| Net loans and leases to core deposits | 36.8591% | 5,904 |
| Total domestic deposits to total assets | 92.8967% | 48 |
| Equity capital to assets | 7.0646% | 6,047 |
| Core capital (leverage) ratio | 7.3917% | 5,996 |
| Tier 1 risk-based capital ratio | 19.7055% | 1,541 |
| Total risk-based capital ratio | 20.9454% | 1,516 |
| Memoranda: | ||
| Average total assets | $23,480,800 | 6,048 |
| Average earning assets | $22,430,800 | 6,020 |
| Average equity | $1,628,800 | 6,134 |
| Average total loans | $7,701,200 | 6,070 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6077% | 4,713 |
| Cost of funding earning assets | 0.3779% | 3,463 |
| Net interest margin | 3.2298% | 4,580 |
| Noninterest income to average assets | 0.2323% | 5,268 |
| Noninterest expense to average assets | 3.3092% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0227% | 5,918 |
| Return on assets (ROA) | 0.0057% | 5,966 |
| Pretax return on assets | 0.0057% | 5,965 |
| Return on Equity (ROE) | 0.0819% | 5,965 |
| Retained earnings to average equity (ytd only) | 0.0819% | 5,576 |
| Net charge-offs to loans | 0.1052% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.6663% | 3,921 |
| Efficiency ratio | 99.3197% | 314 |
| Assets per employee ($millions) | 3.2820% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 2,657 |
| Loan loss allowance to noncurrent loans | 800.0000% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 5,077 |
| Noncurrent loans to loans | 0.1735% | 4,958 |
| Net loans and leases to total assets | 34.6261% | 5,835 |
| Net loans and leases to deposits | 37.9641% | 5,928 |
| Net loans and leases to core deposits | 37.9641% | 5,976 |
| Total domestic deposits to total assets | 91.2075% | 205 |
| Equity capital to assets | 7.4301% | 6,079 |
| Core capital (leverage) ratio | 7.7024% | 6,012 |
| Tier 1 risk-based capital ratio | 19.6417% | 1,639 |
| Total risk-based capital ratio | 20.8880% | 1,606 |
| Memoranda: | ||
| Average total assets | $23,529,750 | 6,133 |
| Average earning assets | $22,581,000 | 6,100 |
| Average equity | $1,624,750 | 6,221 |
| Average total loans | $7,605,250 | 6,154 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 4,911 |
| Cost of funding earning assets | 0.3776% | 3,527 |
| Net interest margin | 3.1522% | 4,822 |
| Noninterest income to average assets | 0.2361% | 5,267 |
| Noninterest expense to average assets | 3.2975% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0337% | 6,016 |
| Return on assets (ROA) | -0.0590% | 6,060 |
| Pretax return on assets | -0.0590% | 6,050 |
| Return on Equity (ROE) | -0.8765% | 6,078 |
| Retained earnings to average equity (ytd only) | -0.8765% | 5,674 |
| Net charge-offs to loans | 0.1610% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.6667% | 3,757 |
| Efficiency ratio | 101.0336% | 298 |
| Assets per employee ($millions) | 3.3229% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 2,433 |
| Loan loss allowance to noncurrent loans | 800.0000% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 5,205 |
| Noncurrent loans to loans | 0.1830% | 5,043 |
| Net loans and leases to total assets | 32.4033% | 5,952 |
| Net loans and leases to deposits | 34.9178% | 6,066 |
| Net loans and leases to core deposits | 34.9178% | 6,093 |
| Total domestic deposits to total assets | 92.7988% | 64 |
| Equity capital to assets | 6.5219% | 6,245 |
| Core capital (leverage) ratio | 7.3411% | 6,131 |
| Tier 1 risk-based capital ratio | 20.8082% | 1,406 |
| Total risk-based capital ratio | 22.0524% | 1,381 |
| Memoranda: | ||
| Average total assets | $23,715,000 | 6,203 |
| Average earning assets | $22,777,670 | 6,166 |
| Average equity | $1,597,330 | 6,298 |
| Average total loans | $7,451,330 | 6,230 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 5,035 |
| Cost of funding earning assets | 0.3835% | 3,483 |
| Net interest margin | 3.0856% | 4,992 |
| Noninterest income to average assets | 0.3007% | 4,768 |
| Noninterest expense to average assets | 3.2411% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0167% | 5,999 |
| Return on assets (ROA) | -0.0334% | 6,079 |
| Pretax return on assets | -0.0334% | 6,075 |
| Return on Equity (ROE) | -0.4885% | 6,094 |
| Retained earnings to average equity (ytd only) | -0.4885% | 5,467 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4872% | 379 |
| Assets per employee ($millions) | 3.0598% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 2,127 |
| Loan loss allowance to noncurrent loans | 786.6667% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 5,305 |
| Noncurrent loans to loans | 0.2006% | 5,059 |
| Net loans and leases to total assets | 30.0637% | 6,069 |
| Net loans and leases to deposits | 32.3231% | 6,153 |
| Net loans and leases to core deposits | 32.3231% | 6,181 |
| Total domestic deposits to total assets | 93.0100% | 60 |
| Equity capital to assets | 6.9368% | 6,266 |
| Core capital (leverage) ratio | 7.3406% | 6,190 |
| Tier 1 risk-based capital ratio | 21.0319% | 1,419 |
| Total risk-based capital ratio | 22.2740% | 1,398 |
| Memoranda: | ||
| Average total assets | $23,942,500 | 6,267 |
| Average earning assets | $22,945,500 | 6,228 |
| Average equity | $1,637,500 | 6,364 |
| Average total loans | $7,352,500 | 6,302 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6298% | 4,999 |
| Cost of funding earning assets | 0.4247% | 3,438 |
| Net interest margin | 3.2051% | 4,898 |
| Noninterest income to average assets | 0.2530% | 5,321 |
| Noninterest expense to average assets | 3.2926% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0337% | 6,113 |
| Return on assets (ROA) | -0.0337% | 6,125 |
| Pretax return on assets | -0.0169% | 6,106 |
| Return on Equity (ROE) | -0.5985% | 6,142 |
| Retained earnings to average equity (ytd only) | -0.5985% | 5,864 |
| Net charge-offs to loans | 0.0410% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -1.3333% | 4,813 |
| Efficiency ratio | 100.5148% | 350 |
| Assets per employee ($millions) | 2.9259% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 1,980 |
| Loan loss allowance to noncurrent loans | 737.5000% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 5,324 |
| Noncurrent loans to loans | 0.2214% | 5,031 |
| Net loans and leases to total assets | 30.3755% | 6,163 |
| Net loans and leases to deposits | 32.5923% | 6,243 |
| Net loans and leases to core deposits | 32.5923% | 6,268 |
| Total domestic deposits to total assets | 93.1986% | 57 |
| Equity capital to assets | 6.7373% | 6,358 |
| Core capital (leverage) ratio | 7.5861% | 6,178 |
| Tier 1 risk-based capital ratio | 19.0847% | 1,820 |
| Total risk-based capital ratio | 20.3397% | 1,786 |
| Memoranda: | ||
| Average total assets | $23,719,800 | 6,357 |
| Average earning assets | $22,370,600 | 6,324 |
| Average equity | $1,336,600 | 6,476 |
| Average total loans | $7,324,400 | 6,387 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 5,084 |
| Cost of funding earning assets | 0.4225% | 3,550 |
| Net interest margin | 3.2013% | 4,967 |
| Noninterest income to average assets | 0.2577% | 5,378 |
| Noninterest expense to average assets | 3.1767% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0728% | 6,058 |
| Return on assets (ROA) | 0.0728% | 6,086 |
| Pretax return on assets | 0.0952% | 6,065 |
| Return on Equity (ROE) | 1.3576% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.3576% | 5,352 |
| Net charge-offs to loans | 0.0363% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.4906% | 2,790 |
| Efficiency ratio | 97.0890% | 465 |
| Assets per employee ($millions) | 2.7119% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 2,560 |
| Loan loss allowance to noncurrent loans | 743.7500% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 5,862 |
| Noncurrent loans to loans | 0.2067% | 5,284 |
| Net loans and leases to total assets | 35.1279% | 6,064 |
| Net loans and leases to deposits | 37.6327% | 6,196 |
| Net loans and leases to core deposits | 37.6327% | 6,248 |
| Total domestic deposits to total assets | 93.3441% | 62 |
| Equity capital to assets | 6.5914% | 6,434 |
| Core capital (leverage) ratio | 7.7296% | 6,205 |
| Tier 1 risk-based capital ratio | 18.1145% | 2,180 |
| Total risk-based capital ratio | 19.3221% | 2,150 |
| Memoranda: | ||
| Average total assets | $23,798,000 | 6,434 |
| Average earning assets | $22,407,250 | 6,401 |
| Average equity | $1,276,500 | 6,559 |
| Average total loans | $7,348,500 | 6,462 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 5,381 |
| Cost of funding earning assets | 0.4263% | 3,587 |
| Net interest margin | 3.0883% | 5,292 |
| Noninterest income to average assets | 0.2776% | 5,209 |
| Noninterest expense to average assets | 3.1022% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0490% | 6,136 |
| Return on assets (ROA) | 0.0490% | 6,161 |
| Pretax return on assets | 0.0735% | 6,121 |
| Return on Equity (ROE) | 0.9793% | 6,061 |
| Retained earnings to average equity (ytd only) | 0.9793% | 5,368 |
| Net charge-offs to loans | 0.0554% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,100 |
| Efficiency ratio | 97.6864% | 481 |
| Assets per employee ($millions) | 3.0311% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 2,387 |
| Loan loss allowance to noncurrent loans | 700.0000% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 5,961 |
| Noncurrent loans to loans | 0.2317% | 5,303 |
| Net loans and leases to total assets | 29.7621% | 6,318 |
| Net loans and leases to deposits | 31.6216% | 6,391 |
| Net loans and leases to core deposits | 31.6216% | 6,422 |
| Total domestic deposits to total assets | 94.1193% | 46 |
| Equity capital to assets | 5.8147% | 6,546 |
| Core capital (leverage) ratio | 7.0578% | 6,419 |
| Tier 1 risk-based capital ratio | 19.0140% | 1,920 |
| Total risk-based capital ratio | 20.2652% | 1,884 |
| Memoranda: | ||
| Average total assets | $24,499,000 | 6,488 |
| Average earning assets | $22,990,330 | 6,459 |
| Average equity | $1,225,330 | 6,629 |
| Average total loans | $7,218,000 | 6,526 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 5,637 |
| Cost of funding earning assets | 0.4211% | 3,746 |
| Net interest margin | 2.9825% | 5,564 |
| Noninterest income to average assets | 0.3411% | 4,653 |
| Noninterest expense to average assets | 3.0377% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0325% | 6,159 |
| Return on assets (ROA) | 0.0325% | 6,178 |
| Pretax return on assets | 0.0650% | 6,130 |
| Return on Equity (ROE) | 0.7061% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.7061% | 5,308 |
| Net charge-offs to loans | 0.1117% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,971 |
| Efficiency ratio | 97.9058% | 550 |
| Assets per employee ($millions) | 3.1418% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 2,420 |
| Loan loss allowance to noncurrent loans | 700.0000% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 6,068 |
| Noncurrent loans to loans | 0.2400% | 5,386 |
| Net loans and leases to total assets | 27.7115% | 6,422 |
| Net loans and leases to deposits | 29.1764% | 6,491 |
| Net loans and leases to core deposits | 29.1764% | 6,511 |
| Total domestic deposits to total assets | 94.9789% | 35 |
| Equity capital to assets | 4.9654% | 6,642 |
| Core capital (leverage) ratio | 7.4808% | 6,345 |
| Tier 1 risk-based capital ratio | 19.4347% | 1,849 |
| Total risk-based capital ratio | 20.6836% | 1,820 |
| Memoranda: | ||
| Average total assets | $24,624,000 | 6,555 |
| Average earning assets | $22,800,000 | 6,532 |
| Average equity | $1,133,000 | 6,698 |
| Average total loans | $7,159,000 | 6,597 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 5,113 |
| Cost of funding earning assets | 0.5003% | 3,609 |
| Net interest margin | 3.2064% | 4,978 |
| Noninterest income to average assets | 0.3361% | 4,914 |
| Noninterest expense to average assets | 3.1863% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1489% | 5,944 |
| Return on assets (ROA) | 0.1489% | 6,012 |
| Pretax return on assets | 0.1489% | 6,018 |
| Return on Equity (ROE) | 2.4731% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.4731% | 4,495 |
| Net charge-offs to loans | -0.0274% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5357% | 666 |
| Assets per employee ($millions) | 3.0143% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 2,491 |
| Loan loss allowance to noncurrent loans | 672.2222% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 6,126 |
| Noncurrent loans to loans | 0.2488% | 5,438 |
| Net loans and leases to total assets | 29.4974% | 6,477 |
| Net loans and leases to deposits | 30.8216% | 6,566 |
| Net loans and leases to core deposits | 30.8216% | 6,589 |
| Total domestic deposits to total assets | 95.7037% | 31 |
| Equity capital to assets | 4.2216% | 6,737 |
| Core capital (leverage) ratio | 7.5231% | 6,358 |
| Tier 1 risk-based capital ratio | 18.4872% | 2,086 |
| Total risk-based capital ratio | 19.7392% | 2,055 |
| Memoranda: | ||
| Average total assets | $23,506,800 | 6,651 |
| Average earning assets | $21,987,000 | 6,620 |
| Average equity | $1,415,200 | 6,764 |
| Average total loans | $7,300,600 | 6,676 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 5,226 |
| Cost of funding earning assets | 0.5066% | 3,707 |
| Net interest margin | 3.1721% | 5,081 |
| Noninterest income to average assets | 0.3654% | 4,775 |
| Noninterest expense to average assets | 3.2083% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1598% | 6,017 |
| Return on assets (ROA) | 0.1598% | 6,084 |
| Pretax return on assets | 0.1598% | 6,115 |
| Return on Equity (ROE) | 2.4648% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.4648% | 4,851 |
| Net charge-offs to loans | -0.0365% | 6,214 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2542% | 662 |
| Assets per employee ($millions) | 2.7848% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,101 |
| Loan loss allowance to noncurrent loans | 636.8421% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 6,182 |
| Noncurrent loans to loans | 0.2480% | 5,610 |
| Net loans and leases to total assets | 33.8406% | 6,366 |
| Net loans and leases to deposits | 36.2836% | 6,499 |
| Net loans and leases to core deposits | 36.2836% | 6,552 |
| Total domestic deposits to total assets | 93.2669% | 108 |
| Equity capital to assets | 5.4044% | 6,743 |
| Core capital (leverage) ratio | 7.7378% | 6,361 |
| Tier 1 risk-based capital ratio | 18.0877% | 2,291 |
| Total risk-based capital ratio | 19.3277% | 2,259 |
| Memoranda: | ||
| Average total assets | $23,355,000 | 6,729 |
| Average earning assets | $22,109,250 | 6,693 |
| Average equity | $1,514,500 | 6,834 |
| Average total loans | $7,317,250 | 6,749 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 5,446 |
| Cost of funding earning assets | 0.5085% | 3,819 |
| Net interest margin | 3.0869% | 5,310 |
| Noninterest income to average assets | 0.3289% | 5,067 |
| Noninterest expense to average assets | 3.1796% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0675% | 6,206 |
| Return on assets (ROA) | 0.0675% | 6,284 |
| Pretax return on assets | 0.0675% | 6,281 |
| Return on Equity (ROE) | 0.9889% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.9889% | 5,510 |
| Net charge-offs to loans | -0.0555% | 6,301 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9221% | 570 |
| Assets per employee ($millions) | 2.9991% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,175 |
| Loan loss allowance to noncurrent loans | 636.8421% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,260 |
| Noncurrent loans to loans | 0.2502% | 5,682 |
| Net loans and leases to total assets | 31.1424% | 6,541 |
| Net loans and leases to deposits | 32.9279% | 6,641 |
| Net loans and leases to core deposits | 32.9279% | 6,665 |
| Total domestic deposits to total assets | 94.5776% | 46 |
| Equity capital to assets | 5.3391% | 6,804 |
| Core capital (leverage) ratio | 7.2557% | 6,546 |
| Tier 1 risk-based capital ratio | 18.2398% | 2,227 |
| Total risk-based capital ratio | 19.4941% | 2,191 |
| Memoranda: | ||
| Average total assets | $23,714,000 | 6,772 |
| Average earning assets | $22,417,000 | 6,740 |
| Average equity | $1,618,000 | 6,872 |
| Average total loans | $7,203,000 | 6,799 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 5,685 |
| Cost of funding earning assets | 0.5215% | 3,868 |
| Net interest margin | 2.9854% | 5,612 |
| Noninterest income to average assets | 0.3733% | 4,686 |
| Noninterest expense to average assets | 3.2069% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0170% | 6,366 |
| Return on assets (ROA) | -0.0170% | 6,433 |
| Pretax return on assets | -0.0170% | 6,424 |
| Return on Equity (ROE) | -0.2239% | 6,442 |
| Retained earnings to average equity (ytd only) | -0.2239% | 5,822 |
| Net charge-offs to loans | -0.1142% | 6,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5319% | 528 |
| Assets per employee ($millions) | 3.0011% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 2,913 |
| Loan loss allowance to noncurrent loans | 605.0000% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 6,342 |
| Noncurrent loans to loans | 0.2848% | 5,696 |
| Net loans and leases to total assets | 28.7476% | 6,647 |
| Net loans and leases to deposits | 31.0579% | 6,716 |
| Net loans and leases to core deposits | 31.0579% | 6,744 |
| Total domestic deposits to total assets | 92.5611% | 168 |
| Equity capital to assets | 7.3597% | 6,633 |
| Core capital (leverage) ratio | 6.9682% | 6,654 |
| Tier 1 risk-based capital ratio | 19.1866% | 1,986 |
| Total risk-based capital ratio | 20.4355% | 1,960 |
| Memoranda: | ||
| Average total assets | $23,574,500 | 6,844 |
| Average earning assets | $22,241,500 | 6,810 |
| Average equity | $1,786,500 | 6,916 |
| Average total loans | $7,008,000 | 6,877 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 5,123 |
| Cost of funding earning assets | 0.6686% | 3,754 |
| Net interest margin | 3.3865% | 4,933 |
| Noninterest income to average assets | 0.2677% | 5,540 |
| Noninterest expense to average assets | 3.5078% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0227% | 6,203 |
| Return on assets (ROA) | -0.0227% | 6,326 |
| Pretax return on assets | -0.0454% | 6,328 |
| Return on Equity (ROE) | -0.2782% | 6,333 |
| Retained earnings to average equity (ytd only) | -0.2782% | 5,901 |
| Net charge-offs to loans | 0.0382% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -3.3333% | 5,882 |
| Efficiency ratio | 101.3106% | 514 |
| Assets per employee ($millions) | 2.8925% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 2,926 |
| Loan loss allowance to noncurrent loans | 566.6667% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 6,364 |
| Noncurrent loans to loans | 0.3003% | 5,727 |
| Net loans and leases to total assets | 29.7061% | 6,709 |
| Net loans and leases to deposits | 32.7224% | 6,769 |
| Net loans and leases to core deposits | 32.7224% | 6,797 |
| Total domestic deposits to total assets | 90.7822% | 577 |
| Equity capital to assets | 7.8047% | 6,497 |
| Core capital (leverage) ratio | 7.5479% | 6,477 |
| Tier 1 risk-based capital ratio | 18.8886% | 1,990 |
| Total risk-based capital ratio | 20.1392% | 1,955 |
| Memoranda: | ||
| Average total assets | $22,036,800 | 6,931 |
| Average earning assets | $20,788,200 | 6,889 |
| Average equity | $1,797,200 | 6,983 |
| Average total loans | $7,858,800 | 6,919 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1542% | 4,971 |
| Cost of funding earning assets | 0.6913% | 3,844 |
| Net interest margin | 3.4629% | 4,796 |
| Noninterest income to average assets | 0.2573% | 5,721 |
| Noninterest expense to average assets | 3.6027% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0613% | 6,354 |
| Return on assets (ROA) | -0.0613% | 6,468 |
| Pretax return on assets | -0.0613% | 6,452 |
| Return on Equity (ROE) | -0.7426% | 6,479 |
| Retained earnings to average equity (ytd only) | -0.7426% | 6,228 |
| Net charge-offs to loans | 0.0826% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.9985% | 5,650 |
| Efficiency ratio | 101.7301% | 491 |
| Assets per employee ($millions) | 2.6316% | 6,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,510 |
| Loan loss allowance to noncurrent loans | 557.1429% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 6,480 |
| Noncurrent loans to loans | 0.2875% | 5,914 |
| Net loans and leases to total assets | 34.1377% | 6,649 |
| Net loans and leases to deposits | 37.4284% | 6,773 |
| Net loans and leases to core deposits | 37.4284% | 6,825 |
| Total domestic deposits to total assets | 91.2079% | 355 |
| Equity capital to assets | 8.6448% | 6,145 |
| Core capital (leverage) ratio | 8.0678% | 6,267 |
| Tier 1 risk-based capital ratio | 18.2816% | 2,243 |
| Total risk-based capital ratio | 19.5166% | 2,220 |
| Memoranda: | ||
| Average total assets | $21,761,000 | 7,026 |
| Average earning assets | $20,637,250 | 6,981 |
| Average equity | $1,795,000 | 7,077 |
| Average total loans | $8,075,250 | 7,006 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 5,091 |
| Cost of funding earning assets | 0.6994% | 4,019 |
| Net interest margin | 3.4587% | 4,848 |
| Noninterest income to average assets | 0.3728% | 4,855 |
| Noninterest expense to average assets | 3.7005% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0455% | 6,375 |
| Return on assets (ROA) | -0.0455% | 6,496 |
| Pretax return on assets | -0.0455% | 6,481 |
| Return on Equity (ROE) | -0.5597% | 6,509 |
| Retained earnings to average equity (ytd only) | -0.5597% | 6,139 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2438% | 518 |
| Assets per employee ($millions) | 2.7848% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,475 |
| Loan loss allowance to noncurrent loans | 393.5484% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 5,968 |
| Noncurrent loans to loans | 0.4158% | 5,700 |
| Net loans and leases to total assets | 32.9159% | 6,777 |
| Net loans and leases to deposits | 35.8722% | 6,878 |
| Net loans and leases to core deposits | 35.8722% | 6,916 |
| Total domestic deposits to total assets | 91.7587% | 266 |
| Equity capital to assets | 8.0932% | 6,519 |
| Core capital (leverage) ratio | 7.7111% | 6,509 |
| Tier 1 risk-based capital ratio | 18.3810% | 2,169 |
| Total risk-based capital ratio | 19.6296% | 2,129 |
| Memoranda: | ||
| Average total assets | $21,997,000 | 7,077 |
| Average earning assets | $20,875,000 | 7,034 |
| Average equity | $1,786,670 | 7,130 |
| Average total loans | $8,332,330 | 7,062 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 5,253 |
| Cost of funding earning assets | 0.7348% | 3,989 |
| Net interest margin | 3.4227% | 5,015 |
| Noninterest income to average assets | 0.4392% | 4,382 |
| Noninterest expense to average assets | 3.7883% | 1,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1098% | 6,554 |
| Return on assets (ROA) | -0.1098% | 6,629 |
| Pretax return on assets | -0.1098% | 6,607 |
| Return on Equity (ROE) | -1.3495% | 6,644 |
| Retained earnings to average equity (ytd only) | -1.3495% | 6,201 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9851% | 473 |
| Assets per employee ($millions) | 2.6850% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 3,679 |
| Loan loss allowance to noncurrent loans | 47.4708% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 3,801 |
| Noncurrent loans to loans | 3.3954% | 1,858 |
| Net loans and leases to total assets | 34.6695% | 6,705 |
| Net loans and leases to deposits | 37.7944% | 6,830 |
| Net loans and leases to core deposits | 37.7944% | 6,887 |
| Total domestic deposits to total assets | 91.7318% | 321 |
| Equity capital to assets | 8.1285% | 6,430 |
| Core capital (leverage) ratio | 7.8823% | 6,348 |
| Tier 1 risk-based capital ratio | 17.8656% | 2,343 |
| Total risk-based capital ratio | 19.1211% | 2,309 |
| Memoranda: | ||
| Average total assets | $21,856,500 | 7,137 |
| Average earning assets | $20,685,500 | 7,098 |
| Average equity | $1,778,500 | 7,185 |
| Average total loans | $8,771,000 | 7,108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 4,105 |
| Cost of funding earning assets | 0.8525% | 4,457 |
| Net interest margin | 3.8821% | 3,417 |
| Noninterest income to average assets | 0.4017% | 4,597 |
| Noninterest expense to average assets | 3.6339% | 1,677 |
| Loan and lease loss provision to assets | 0.4063% | 2,556 |
| Net operating income to assets | 0.0411% | 5,979 |
| Return on assets (ROA) | 0.0411% | 6,088 |
| Pretax return on assets | 0.0411% | 6,059 |
| Return on Equity (ROE) | 0.5105% | 6,059 |
| Retained earnings to average equity (ytd only) | 0.5105% | 5,601 |
| Net charge-offs to loans | 1.0127% | 1,718 |
| Credit loss provision to net charge-offs | 87.2549% | 4,140 |
| Earnings coverage of net charge-offs (x) | 0.9608% | 5,079 |
| Efficiency ratio | 89.0380% | 1,270 |
| Assets per employee ($millions) | 2.7791% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,282 |
| Loan loss allowance to noncurrent loans | 94.5736% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 5,123 |
| Noncurrent loans to loans | 1.2935% | 4,212 |
| Net loans and leases to total assets | 44.3080% | 6,179 |
| Net loans and leases to deposits | 48.3129% | 6,479 |
| Net loans and leases to core deposits | 48.3129% | 6,621 |
| Total domestic deposits to total assets | 91.7105% | 280 |
| Equity capital to assets | 8.1455% | 6,487 |
| Core capital (leverage) ratio | 7.8401% | 6,409 |
| Tier 1 risk-based capital ratio | 14.6288% | 3,878 |
| Total risk-based capital ratio | 15.6533% | 4,013 |
| Memoranda: | ||
| Average total assets | $21,904,600 | 7,166 |
| Average earning assets | $20,761,800 | 7,129 |
| Average equity | $1,763,000 | 7,243 |
| Average total loans | $10,071,800 | 7,113 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 3,857 |
| Cost of funding earning assets | 0.8821% | 4,532 |
| Net interest margin | 3.9534% | 3,140 |
| Noninterest income to average assets | 0.4216% | 4,507 |
| Noninterest expense to average assets | 3.5620% | 1,789 |
| Loan and lease loss provision to assets | 0.0550% | 5,759 |
| Net operating income to assets | 0.5560% | 4,291 |
| Return on assets (ROA) | 0.5560% | 4,466 |
| Pretax return on assets | 0.5560% | 4,949 |
| Return on Equity (ROE) | 6.9292% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.9292% | 2,007 |
| Net charge-offs to loans | 0.3169% | 3,517 |
| Credit loss provision to net charge-offs | 37.5000% | 5,289 |
| Earnings coverage of net charge-offs (x) | 4.1666% | 3,156 |
| Efficiency ratio | 85.3587% | 1,591 |
| Assets per employee ($millions) | 2.6230% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,692 |
| Loan loss allowance to noncurrent loans | 500.0000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,305 |
| Noncurrent loans to loans | 0.2296% | 6,411 |
| Net loans and leases to total assets | 49.2470% | 5,804 |
| Net loans and leases to deposits | 54.2325% | 6,194 |
| Net loans and leases to core deposits | 54.2325% | 6,448 |
| Total domestic deposits to total assets | 90.8073% | 509 |
| Equity capital to assets | 9.0355% | 5,709 |
| Core capital (leverage) ratio | 8.4253% | 5,814 |
| Tier 1 risk-based capital ratio | 14.8570% | 3,753 |
| Total risk-based capital ratio | 15.8345% | 3,888 |
| Memoranda: | ||
| Average total assets | $21,822,500 | 7,236 |
| Average earning assets | $20,707,750 | 7,206 |
| Average equity | $1,751,000 | 7,321 |
| Average total loans | $10,096,500 | 7,185 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 4,205 |
| Cost of funding earning assets | 0.9048% | 4,624 |
| Net interest margin | 3.8670% | 3,454 |
| Noninterest income to average assets | 0.4072% | 4,622 |
| Noninterest expense to average assets | 3.6015% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4796% | 4,596 |
| Return on assets (ROA) | 0.4796% | 4,740 |
| Pretax return on assets | 0.4796% | 5,135 |
| Return on Equity (ROE) | 6.2255% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.2255% | 2,280 |
| Net charge-offs to loans | 0.2806% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.7857% | 3,055 |
| Efficiency ratio | 88.2483% | 1,392 |
| Assets per employee ($millions) | 2.8083% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,691 |
| Loan loss allowance to noncurrent loans | 109.0090% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 5,932 |
| Noncurrent loans to loans | 1.0685% | 4,879 |
| Net loans and leases to total assets | 45.7002% | 6,300 |
| Net loans and leases to deposits | 49.8495% | 6,609 |
| Net loans and leases to core deposits | 49.8495% | 6,764 |
| Total domestic deposits to total assets | 91.6763% | 302 |
| Equity capital to assets | 8.1590% | 6,545 |
| Core capital (leverage) ratio | 7.9271% | 6,384 |
| Tier 1 risk-based capital ratio | 14.3546% | 3,898 |
| Total risk-based capital ratio | 15.3265% | 4,088 |
| Memoranda: | ||
| Average total assets | $22,102,000 | 7,303 |
| Average earning assets | $20,998,000 | 7,272 |
| Average equity | $1,702,670 | 7,398 |
| Average total loans | $9,977,330 | 7,259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 4,807 |
| Cost of funding earning assets | 0.9228% | 4,762 |
| Net interest margin | 3.7105% | 4,042 |
| Noninterest income to average assets | 0.4197% | 4,542 |
| Noninterest expense to average assets | 3.7226% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2190% | 5,720 |
| Return on assets (ROA) | 0.2190% | 5,784 |
| Pretax return on assets | 0.2190% | 5,895 |
| Return on Equity (ROE) | 2.9313% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.9313% | 4,408 |
| Net charge-offs to loans | -0.0819% | 7,027 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4444% | 1,016 |
| Assets per employee ($millions) | 2.7438% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,638 |
| Loan loss allowance to noncurrent loans | 171.2500% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 6,295 |
| Noncurrent loans to loans | 0.8208% | 5,395 |
| Net loans and leases to total assets | 43.7813% | 6,487 |
| Net loans and leases to deposits | 47.4287% | 6,774 |
| Net loans and leases to core deposits | 47.4287% | 6,904 |
| Total domestic deposits to total assets | 92.3098% | 211 |
| Equity capital to assets | 7.5262% | 6,857 |
| Core capital (leverage) ratio | 8.1269% | 6,084 |
| Tier 1 risk-based capital ratio | 14.9171% | 3,465 |
| Total risk-based capital ratio | 16.0882% | 3,478 |
| Memoranda: | ||
| Average total assets | $21,920,000 | 7,360 |
| Average earning assets | $20,806,000 | 7,327 |
| Average equity | $1,637,500 | 7,459 |
| Average total loans | $9,772,000 | 7,324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 5,488 |
| Cost of funding earning assets | 1.2097% | 4,501 |
| Net interest margin | 3.5712% | 4,958 |
| Noninterest income to average assets | 0.3440% | 5,335 |
| Noninterest expense to average assets | 3.4444% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2981% | 4,946 |
| Return on assets (ROA) | 0.2981% | 5,110 |
| Pretax return on assets | 0.2981% | 5,235 |
| Return on Equity (ROE) | 3.7919% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.7919% | 3,207 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0343% | 1,181 |
| Assets per employee ($millions) | 2.7363% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,620 |
| Loan loss allowance to noncurrent loans | 409.0909% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 6,854 |
| Noncurrent loans to loans | 0.3368% | 6,381 |
| Net loans and leases to total assets | 44.1389% | 6,699 |
| Net loans and leases to deposits | 47.7773% | 6,959 |
| Net loans and leases to core deposits | 47.7773% | 7,082 |
| Total domestic deposits to total assets | 92.3847% | 203 |
| Equity capital to assets | 7.4143% | 6,929 |
| Core capital (leverage) ratio | 7.7744% | 6,466 |
| Tier 1 risk-based capital ratio | 14.5753% | 3,495 |
| Total risk-based capital ratio | 15.7107% | 3,525 |
| Memoranda: | ||
| Average total assets | $21,803,400 | 7,427 |
| Average earning assets | $20,749,200 | 7,385 |
| Average equity | $1,714,200 | 7,553 |
| Average total loans | $9,693,000 | 7,409 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 5,681 |
| Cost of funding earning assets | 1.2453% | 4,600 |
| Net interest margin | 3.5496% | 5,111 |
| Noninterest income to average assets | 0.3611% | 5,273 |
| Noninterest expense to average assets | 3.3605% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3856% | 4,813 |
| Return on assets (ROA) | 0.3856% | 4,998 |
| Pretax return on assets | 0.3856% | 5,259 |
| Return on Equity (ROE) | 4.8359% | 4,381 |
| Retained earnings to average equity (ytd only) | 4.8359% | 3,098 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7059% | 1,314 |
| Assets per employee ($millions) | 2.6640% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 4,039 |
| Loan loss allowance to noncurrent loans | 397.0588% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 6,954 |
| Noncurrent loans to loans | 0.3737% | 6,446 |
| Net loans and leases to total assets | 42.0608% | 6,973 |
| Net loans and leases to deposits | 46.1848% | 7,168 |
| Net loans and leases to core deposits | 46.1848% | 7,264 |
| Total domestic deposits to total assets | 91.0708% | 426 |
| Equity capital to assets | 8.6806% | 6,051 |
| Core capital (leverage) ratio | 8.0869% | 6,216 |
| Tier 1 risk-based capital ratio | 15.6836% | 2,910 |
| Total risk-based capital ratio | 16.9068% | 2,882 |
| Memoranda: | ||
| Average total assets | $21,781,750 | 7,518 |
| Average earning assets | $20,771,500 | 7,476 |
| Average equity | $1,737,000 | 7,648 |
| Average total loans | $9,667,000 | 7,505 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 5,797 |
| Cost of funding earning assets | 1.2956% | 4,565 |
| Net interest margin | 3.5057% | 5,227 |
| Noninterest income to average assets | 0.3829% | 5,062 |
| Noninterest expense to average assets | 3.6375% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1003% | 5,867 |
| Return on assets (ROA) | 0.1003% | 5,981 |
| Pretax return on assets | 0.1003% | 5,978 |
| Return on Equity (ROE) | 1.2946% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.2946% | 5,234 |
| Net charge-offs to loans | -0.0203% | 7,288 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3171% | 904 |
| Assets per employee ($millions) | 2.6706% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 4,389 |
| Loan loss allowance to noncurrent loans | 388.5714% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 6,976 |
| Noncurrent loans to loans | 0.3621% | 6,508 |
| Net loans and leases to total assets | 44.6010% | 6,879 |
| Net loans and leases to deposits | 48.8441% | 7,117 |
| Net loans and leases to core deposits | 48.8441% | 7,255 |
| Total domestic deposits to total assets | 91.3129% | 381 |
| Equity capital to assets | 8.4016% | 6,299 |
| Core capital (leverage) ratio | 7.5963% | 6,739 |
| Tier 1 risk-based capital ratio | 14.7485% | 3,296 |
| Total risk-based capital ratio | 15.9424% | 3,305 |
| Memoranda: | ||
| Average total assets | $21,938,330 | 7,582 |
| Average earning assets | $20,994,670 | 7,532 |
| Average equity | $1,699,330 | 7,716 |
| Average total loans | $9,856,330 | 7,560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 6,317 |
| Cost of funding earning assets | 1.2965% | 4,837 |
| Net interest margin | 3.3822% | 5,655 |
| Noninterest income to average assets | 0.4319% | 4,648 |
| Noninterest expense to average assets | 3.5456% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1260% | 5,941 |
| Return on assets (ROA) | 0.1260% | 6,061 |
| Pretax return on assets | 0.1260% | 6,069 |
| Return on Equity (ROE) | 1.6954% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.6954% | 5,093 |
| Net charge-offs to loans | -0.0804% | 7,474 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5686% | 993 |
| Assets per employee ($millions) | 2.7910% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 4,352 |
| Loan loss allowance to noncurrent loans | 380.5556% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 7,075 |
| Noncurrent loans to loans | 0.3712% | 6,552 |
| Net loans and leases to total assets | 42.8207% | 7,072 |
| Net loans and leases to deposits | 46.4194% | 7,316 |
| Net loans and leases to core deposits | 46.4194% | 7,418 |
| Total domestic deposits to total assets | 92.2474% | 201 |
| Equity capital to assets | 7.5107% | 7,066 |
| Core capital (leverage) ratio | 7.5406% | 6,808 |
| Tier 1 risk-based capital ratio | 14.5311% | 3,361 |
| Total risk-based capital ratio | 15.7196% | 3,366 |
| Memoranda: | ||
| Average total assets | $22,225,000 | 7,673 |
| Average earning assets | $21,288,000 | 7,621 |
| Average equity | $1,651,500 | 7,808 |
| Average total loans | $9,952,000 | 7,654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 5,270 |
| Cost of funding earning assets | 1.6084% | 4,993 |
| Net interest margin | 3.6749% | 4,242 |
| Noninterest income to average assets | 0.3917% | 5,279 |
| Noninterest expense to average assets | 3.6042% | 2,131 |
| Loan and lease loss provision to assets | 0.3497% | 4,709 |
| Net operating income to assets | -0.0466% | 5,575 |
| Return on assets (ROA) | -0.0466% | 5,604 |
| Pretax return on assets | -0.0466% | 5,515 |
| Return on Equity (ROE) | -0.5985% | 5,640 |
| Retained earnings to average equity (ytd only) | -0.5985% | 5,142 |
| Net charge-offs to loans | 0.7724% | 2,891 |
| Credit loss provision to net charge-offs | 96.1538% | 5,769 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 5,272 |
| Efficiency ratio | 92.2434% | 1,549 |
| Assets per employee ($millions) | 2.7653% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 4,629 |
| Loan loss allowance to noncurrent loans | 355.2632% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 7,052 |
| Noncurrent loans to loans | 0.3723% | 6,533 |
| Net loans and leases to total assets | 45.5248% | 7,021 |
| Net loans and leases to deposits | 49.2783% | 7,298 |
| Net loans and leases to core deposits | 52.4449% | 7,514 |
| Total domestic deposits to total assets | 92.3831% | 202 |
| Equity capital to assets | 7.3501% | 7,162 |
| Core capital (leverage) ratio | 7.5223% | 6,766 |
| Tier 1 risk-based capital ratio | 13.6352% | 3,732 |
| Total risk-based capital ratio | 14.7388% | 3,776 |
| Memoranda: | ||
| Average total assets | $21,447,400 | 7,734 |
| Average earning assets | $20,517,800 | 7,690 |
| Average equity | $1,670,800 | 7,899 |
| Average total loans | $10,099,000 | 7,705 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3777% | 5,058 |
| Cost of funding earning assets | 1.6703% | 5,058 |
| Net interest margin | 3.7074% | 4,036 |
| Noninterest income to average assets | 0.3822% | 5,460 |
| Noninterest expense to average assets | 3.6655% | 1,900 |
| Loan and lease loss provision to assets | 0.4700% | 3,555 |
| Net operating income to assets | -0.2068% | 6,073 |
| Return on assets (ROA) | -0.2068% | 6,086 |
| Pretax return on assets | -0.2068% | 5,989 |
| Return on Equity (ROE) | -2.6159% | 6,180 |
| Retained earnings to average equity (ytd only) | -2.6159% | 5,844 |
| Net charge-offs to loans | 1.0060% | 1,956 |
| Credit loss provision to net charge-offs | 98.6842% | 5,186 |
| Earnings coverage of net charge-offs (x) | 0.5526% | 5,480 |
| Efficiency ratio | 93.3014% | 1,447 |
| Assets per employee ($millions) | 2.6450% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 3,597 |
| Loan loss allowance to noncurrent loans | 65.5502% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 5,090 |
| Noncurrent loans to loans | 2.2420% | 3,330 |
| Net loans and leases to total assets | 43.4074% | 7,283 |
| Net loans and leases to deposits | 47.3137% | 7,527 |
| Net loans and leases to core deposits | 50.1967% | 7,681 |
| Total domestic deposits to total assets | 91.7439% | 216 |
| Equity capital to assets | 7.9679% | 6,878 |
| Core capital (leverage) ratio | 7.7331% | 6,685 |
| Tier 1 risk-based capital ratio | 14.6181% | 3,214 |
| Total risk-based capital ratio | 15.8348% | 3,177 |
| Memoranda: | ||
| Average total assets | $21,278,750 | 7,815 |
| Average earning assets | $20,355,000 | 7,772 |
| Average equity | $1,682,000 | 7,983 |
| Average total loans | $10,072,250 | 7,781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 5,842 |
| Cost of funding earning assets | 1.7188% | 5,181 |
| Net interest margin | 3.5358% | 4,636 |
| Noninterest income to average assets | 0.3659% | 5,583 |
| Noninterest expense to average assets | 3.8840% | 1,513 |
| Loan and lease loss provision to assets | 0.7036% | 2,320 |
| Net operating income to assets | -0.8443% | 6,860 |
| Return on assets (ROA) | -0.8443% | 6,867 |
| Pretax return on assets | -0.8443% | 6,709 |
| Return on Equity (ROE) | -10.7100% | 7,088 |
| Retained earnings to average equity (ytd only) | -10.7100% | 6,944 |
| Net charge-offs to loans | 1.4919% | 1,271 |
| Credit loss provision to net charge-offs | 97.4026% | 4,690 |
| Earnings coverage of net charge-offs (x) | -0.1948% | 5,880 |
| Efficiency ratio | 103.7594% | 1,041 |
| Assets per employee ($millions) | 2.6338% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 4,062 |
| Loan loss allowance to noncurrent loans | 59.9119% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 4,812 |
| Noncurrent loans to loans | 2.2307% | 3,215 |
| Net loans and leases to total assets | 47.6507% | 7,064 |
| Net loans and leases to deposits | 51.7392% | 7,399 |
| Net loans and leases to core deposits | 54.8844% | 7,635 |
| Total domestic deposits to total assets | 92.0978% | 195 |
| Equity capital to assets | 7.5273% | 7,239 |
| Core capital (leverage) ratio | 7.2077% | 7,349 |
| Tier 1 risk-based capital ratio | 13.2516% | 3,970 |
| Total risk-based capital ratio | 14.3858% | 3,965 |
| Memoranda: | ||
| Average total assets | $21,318,330 | 7,893 |
| Average earning assets | $20,363,330 | 7,849 |
| Average equity | $1,680,670 | 8,062 |
| Average total loans | $10,322,330 | 7,844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 6,490 |
| Cost of funding earning assets | 1.7425% | 5,401 |
| Net interest margin | 3.4067% | 5,115 |
| Noninterest income to average assets | 0.4291% | 4,967 |
| Noninterest expense to average assets | 3.7682% | 1,532 |
| Loan and lease loss provision to assets | 0.4664% | 2,609 |
| Net operating income to assets | -0.5596% | 6,933 |
| Return on assets (ROA) | -0.5596% | 6,981 |
| Pretax return on assets | -0.5596% | 6,867 |
| Return on Equity (ROE) | -6.9444% | 7,139 |
| Retained earnings to average equity (ytd only) | -6.9444% | 6,787 |
| Net charge-offs to loans | 0.9620% | 1,390 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -0.2000% | 5,131 |
| Efficiency ratio | 102.5381% | 1,035 |
| Assets per employee ($millions) | 2.6573% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 3,964 |
| Loan loss allowance to noncurrent loans | 91.3907% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 5,379 |
| Noncurrent loans to loans | 1.4430% | 4,134 |
| Net loans and leases to total assets | 48.5747% | 6,978 |
| Net loans and leases to deposits | 52.9240% | 7,347 |
| Net loans and leases to core deposits | 56.2296% | 7,607 |
| Total domestic deposits to total assets | 91.7819% | 215 |
| Equity capital to assets | 7.9170% | 6,934 |
| Core capital (leverage) ratio | 7.7776% | 6,779 |
| Tier 1 risk-based capital ratio | 13.5397% | 3,840 |
| Total risk-based capital ratio | 14.6728% | 3,831 |
| Memoranda: | ||
| Average total assets | $21,442,500 | 7,941 |
| Average earning assets | $20,430,500 | 7,891 |
| Average equity | $1,728,000 | 8,109 |
| Average total loans | $10,395,500 | 7,890 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0196% | 5,452 |
| Cost of funding earning assets | 2.1716% | 5,723 |
| Net interest margin | 3.8480% | 3,802 |
| Noninterest income to average assets | 0.4122% | 5,372 |
| Noninterest expense to average assets | 4.0041% | 1,416 |
| Loan and lease loss provision to assets | 0.1178% | 5,863 |
| Net operating income to assets | -0.0491% | 6,443 |
| Return on assets (ROA) | -0.0491% | 6,292 |
| Pretax return on assets | -0.0491% | 6,210 |
| Return on Equity (ROE) | -0.5830% | 6,305 |
| Retained earnings to average equity (ytd only) | -2.9734% | 6,101 |
| Net charge-offs to loans | 0.1931% | 4,258 |
| Credit loss provision to net charge-offs | 120.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 0.7000% | 5,803 |
| Efficiency ratio | 98.3133% | 1,052 |
| Assets per employee ($millions) | 2.7034% | 6,779 |
| Cash dividends to net income (ytd only)* | -410.0000% | 8,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 3,552 |
| Loan loss allowance to noncurrent loans | 92.6174% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 5,159 |
| Noncurrent loans to loans | 1.4428% | 3,637 |
| Net loans and leases to total assets | 47.1124% | 7,245 |
| Net loans and leases to deposits | 51.5455% | 7,559 |
| Net loans and leases to core deposits | 55.6138% | 7,751 |
| Total domestic deposits to total assets | 91.3996% | 223 |
| Equity capital to assets | 8.1981% | 6,558 |
| Core capital (leverage) ratio | 8.0025% | 6,483 |
| Tier 1 risk-based capital ratio | 13.7838% | 3,652 |
| Total risk-based capital ratio | 14.9167% | 3,632 |
| Memoranda: | ||
| Average total assets | $20,379,200 | 8,002 |
| Average earning assets | $19,386,600 | 7,959 |
| Average equity | $1,715,200 | 8,181 |
| Average total loans | $10,357,800 | 7,922 |