Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
| 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 | 3.5525% | 4,349 |
| Cost of funding earning assets | 0.7968% | 3,528 |
| Net interest margin | 2.7557% | 3,794 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 3.2392% | 778 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | -0.2626% | 4,510 |
| Return on assets (ROA) | -0.2626% | 4,496 |
| Pretax return on assets | -0.2783% | 4,488 |
| Return on Equity (ROE) | -5.3800% | 4,504 |
| Retained earnings to average equity (ytd only) | -5.4440% | 4,431 |
| Net charge-offs to loans | -0.0068% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 108.9380% | 109 |
| Assets per employee ($millions) | 6.0370% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 3,987 |
| Loan loss allowance to noncurrent loans | 444.4444% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 3,024 |
| Noncurrent loans to loans | 0.1799% | 2,643 |
| Net loans and leases to total assets | 46.9900% | 3,787 |
| Net loans and leases to deposits | 54.5674% | 3,771 |
| Net loans and leases to core deposits | 56.6553% | 3,826 |
| Total domestic deposits to total assets | 86.1100% | 2,152 |
| Equity capital to assets | 4.2831% | 4,370 |
| Core capital (leverage) ratio | 9.5920% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $42,643,250 | 4,387 |
| Average earning assets | $40,496,500 | 4,361 |
| Average equity | $2,081,750 | 4,510 |
| Average total loans | $19,542,750 | 4,316 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4790% | 4,362 |
| Cost of funding earning assets | 0.6761% | 3,551 |
| Net interest margin | 2.8029% | 3,817 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.2498% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.2338% | 4,540 |
| Return on assets (ROA) | -0.2338% | 4,525 |
| Pretax return on assets | -0.2478% | 4,520 |
| Return on Equity (ROE) | -4.6000% | 4,537 |
| Retained earnings to average equity (ytd only) | -4.6954% | 4,410 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 108.2555% | 106 |
| Assets per employee ($millions) | 5.2775% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 4,015 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.6500% | 3,811 |
| Net loans and leases to deposits | 53.6134% | 3,770 |
| Net loans and leases to core deposits | 54.8851% | 3,856 |
| Total domestic deposits to total assets | 85.1500% | 2,502 |
| Equity capital to assets | 4.9432% | 4,389 |
| Core capital (leverage) ratio | 9.6803% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $42,771,333 | 4,412 |
| Average earning assets | $40,529,000 | 4,385 |
| Average equity | $2,172,333 | 4,537 |
| Average total loans | $19,385,000 | 4,338 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3999% | 4,374 |
| Cost of funding earning assets | 0.6289% | 3,295 |
| Net interest margin | 2.7710% | 3,987 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.2337% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.2416% | 4,562 |
| Return on assets (ROA) | -0.2416% | 4,548 |
| Pretax return on assets | -0.2509% | 4,537 |
| Return on Equity (ROE) | -4.7000% | 4,550 |
| Retained earnings to average equity (ytd only) | -4.8758% | 4,324 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 108.4112% | 109 |
| Assets per employee ($millions) | 6.0221% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 4,037 |
| 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 | 44.2600% | 3,852 |
| Net loans and leases to deposits | 49.3375% | 3,916 |
| Net loans and leases to core deposits | 50.8033% | 3,965 |
| Total domestic deposits to total assets | 89.7000% | 1,263 |
| Equity capital to assets | 5.2070% | 4,386 |
| Core capital (leverage) ratio | 9.6455% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $43,047,000 | 4,476 |
| Average earning assets | $40,707,500 | 4,449 |
| Average equity | $2,215,000 | 4,593 |
| Average total loans | $19,362,500 | 4,400 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1755% | 3,862 |
| Cost of funding earning assets | 0.2893% | 2,966 |
| Net interest margin | 2.8862% | 3,711 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 3.0927% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1459% | 4,483 |
| Return on assets (ROA) | 0.1459% | 4,471 |
| Pretax return on assets | 0.1525% | 4,474 |
| Return on Equity (ROE) | 2.1900% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.1947% | 3,938 |
| Net charge-offs to loans | -0.5111% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 95.2997% | 208 |
| Assets per employee ($millions) | 6.2770% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 2,965 |
| 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 | 44.8300% | 3,855 |
| Net loans and leases to deposits | 52.5941% | 3,760 |
| Net loans and leases to core deposits | 54.1737% | 3,800 |
| Total domestic deposits to total assets | 85.2300% | 2,928 |
| Equity capital to assets | 5.0866% | 4,348 |
| Core capital (leverage) ratio | 9.4696% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,235,000 | 4,486 |
| Average earning assets | $43,205,400 | 4,445 |
| Average equity | $3,007,200 | 4,609 |
| Average total loans | $18,979,600 | 4,426 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0832% | 3,715 |
| Cost of funding earning assets | 0.2595% | 2,607 |
| Net interest margin | 2.8237% | 3,681 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 3.0524% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1522% | 4,510 |
| Return on assets (ROA) | 0.1522% | 4,481 |
| Pretax return on assets | 0.1610% | 4,486 |
| Return on Equity (ROE) | 2.1700% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.1664% | 3,988 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.9909% | 216 |
| Assets per employee ($millions) | 6.2179% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 4,343 |
| 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 | 42.3300% | 3,972 |
| Net loans and leases to deposits | 46.3029% | 4,013 |
| Net loans and leases to core deposits | 47.9192% | 4,034 |
| Total domestic deposits to total assets | 91.4100% | 1,076 |
| Equity capital to assets | 5.9483% | 3,979 |
| Core capital (leverage) ratio | 9.0052% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $45,559,000 | 4,519 |
| Average earning assets | $43,676,750 | 4,476 |
| Average equity | $3,200,250 | 4,641 |
| Average total loans | $18,746,250 | 4,463 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9857% | 3,591 |
| Cost of funding earning assets | 0.2612% | 2,130 |
| Net interest margin | 2.7245% | 3,654 |
| Noninterest income to average assets | 0.3504% | 3,057 |
| Noninterest expense to average assets | 2.9976% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0303% | 4,585 |
| Return on assets (ROA) | -0.0303% | 4,555 |
| Pretax return on assets | -0.0303% | 4,547 |
| Return on Equity (ROE) | -0.4113% | 4,567 |
| Retained earnings to average equity (ytd only) | -0.4113% | 4,229 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0204% | 178 |
| Assets per employee ($millions) | 6.5003% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 4,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.1696% | 3,961 |
| Net loans and leases to deposits | 46.4432% | 4,005 |
| Net loans and leases to core deposits | 47.9976% | 4,025 |
| Total domestic deposits to total assets | 90.7982% | 1,340 |
| Equity capital to assets | 6.7382% | 3,918 |
| Core capital (leverage) ratio | 8.6258% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,237,000 | 4,555 |
| Average earning assets | $44,411,667 | 4,529 |
| Average equity | $3,404,000 | 4,666 |
| Average total loans | $18,814,333 | 4,521 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8595% | 3,628 |
| Cost of funding earning assets | 0.2672% | 1,951 |
| Net interest margin | 2.5922% | 3,677 |
| Noninterest income to average assets | 0.3261% | 3,149 |
| Noninterest expense to average assets | 2.9010% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0772% | 4,584 |
| Return on assets (ROA) | -0.0772% | 4,566 |
| Pretax return on assets | -0.0772% | 4,559 |
| Return on Equity (ROE) | -1.0076% | 4,588 |
| Retained earnings to average equity (ytd only) | -1.0076% | 4,144 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7356% | 207 |
| Assets per employee ($millions) | 5.8753% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 4,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 40.1855% | 3,999 |
| Net loans and leases to deposits | 44.6092% | 4,039 |
| Net loans and leases to core deposits | 46.0638% | 4,067 |
| Total domestic deposits to total assets | 90.0834% | 1,513 |
| Equity capital to assets | 7.2018% | 4,101 |
| Core capital (leverage) ratio | 8.6357% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,604,500 | 4,578 |
| Average earning assets | $44,903,500 | 4,550 |
| Average equity | $3,573,000 | 4,682 |
| Average total loans | $18,568,000 | 4,544 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 2,225 |
| Cost of funding earning assets | 0.3466% | 1,965 |
| Net interest margin | 3.3127% | 2,276 |
| Noninterest income to average assets | 0.5310% | 2,434 |
| Noninterest expense to average assets | 3.2850% | 647 |
| Loan and lease loss provision to assets | 0.0416% | 2,220 |
| Net operating income to assets | 0.3901% | 4,291 |
| Return on assets (ROA) | 0.3901% | 4,321 |
| Pretax return on assets | 0.4040% | 4,386 |
| Return on Equity (ROE) | 4.3507% | 4,141 |
| Retained earnings to average equity (ytd only) | 4.3507% | 3,070 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0569% | 387 |
| Assets per employee ($millions) | 9.2414% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 4,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 38.9768% | 4,147 |
| Net loans and leases to deposits | 43.1026% | 4,219 |
| Net loans and leases to core deposits | 44.5252% | 4,247 |
| Total domestic deposits to total assets | 90.4279% | 749 |
| Equity capital to assets | 8.1395% | 4,280 |
| Core capital (leverage) ratio | 8.9044% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,318,000 | 4,632 |
| Average earning assets | $41,838,400 | 4,600 |
| Average equity | $3,884,400 | 4,713 |
| Average total loans | $19,487,800 | 4,579 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 1,719 |
| Cost of funding earning assets | 0.3601% | 2,020 |
| Net interest margin | 3.5555% | 1,713 |
| Noninterest income to average assets | 0.5165% | 2,553 |
| Noninterest expense to average assets | 3.2741% | 622 |
| Loan and lease loss provision to assets | 0.0563% | 1,855 |
| Net operating income to assets | 0.5853% | 4,029 |
| Return on assets (ROA) | 0.5853% | 4,078 |
| Pretax return on assets | 0.6166% | 4,212 |
| Return on Equity (ROE) | 6.3681% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.3681% | 2,665 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9500% | 580 |
| Assets per employee ($millions) | 6.3427% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 4,605 |
| 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 | 42.6001% | 4,050 |
| Net loans and leases to deposits | 47.8472% | 4,126 |
| Net loans and leases to core deposits | 49.5131% | 4,170 |
| Total domestic deposits to total assets | 89.0335% | 1,258 |
| Equity capital to assets | 8.8651% | 3,950 |
| Core capital (leverage) ratio | 9.1169% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,595,750 | 4,705 |
| Average earning assets | $41,099,500 | 4,670 |
| Average equity | $3,915,250 | 4,776 |
| Average total loans | $19,827,500 | 4,640 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 873 |
| Cost of funding earning assets | 0.3699% | 2,140 |
| Net interest margin | 4.0095% | 803 |
| Noninterest income to average assets | 0.5191% | 2,531 |
| Noninterest expense to average assets | 3.3290% | 594 |
| Loan and lease loss provision to assets | 0.0572% | 1,888 |
| Net operating income to assets | 0.9573% | 3,040 |
| Return on assets (ROA) | 0.9573% | 3,123 |
| Pretax return on assets | 1.0049% | 3,438 |
| Return on Equity (ROE) | 10.2857% | 2,654 |
| Retained earnings to average equity (ytd only) | 10.2857% | 1,317 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8134% | 1,098 |
| Assets per employee ($millions) | 6.0826% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 4,705 |
| 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 | 47.9849% | 3,726 |
| Net loans and leases to deposits | 54.1419% | 3,850 |
| Net loans and leases to core deposits | 55.7250% | 3,912 |
| Total domestic deposits to total assets | 88.6279% | 1,487 |
| Equity capital to assets | 9.2865% | 3,521 |
| Core capital (leverage) ratio | 9.4014% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,994,667 | 4,741 |
| Average earning assets | $40,554,000 | 4,707 |
| Average equity | $3,908,333 | 4,808 |
| Average total loans | $20,092,333 | 4,668 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 738 |
| Cost of funding earning assets | 0.3779% | 2,285 |
| Net interest margin | 4.1572% | 659 |
| Noninterest income to average assets | 0.5179% | 2,528 |
| Noninterest expense to average assets | 3.3283% | 580 |
| Loan and lease loss provision to assets | 0.0575% | 1,968 |
| Net operating income to assets | 1.0839% | 2,529 |
| Return on assets (ROA) | 1.0839% | 2,603 |
| Pretax return on assets | 1.1414% | 3,008 |
| Return on Equity (ROE) | 11.6330% | 2,153 |
| Retained earnings to average equity (ytd only) | 11.6330% | 1,242 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5169% | 1,351 |
| Assets per employee ($millions) | 5.9853% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5163% | 4,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 49.2088% | 3,695 |
| Net loans and leases to deposits | 55.0506% | 3,863 |
| Net loans and leases to core deposits | 56.2093% | 3,958 |
| Total domestic deposits to total assets | 89.3883% | 1,131 |
| Equity capital to assets | 9.3229% | 3,366 |
| Core capital (leverage) ratio | 9.6136% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,703,000 | 4,766 |
| Average earning assets | $40,219,000 | 4,731 |
| Average equity | $3,885,500 | 4,833 |
| Average total loans | $19,866,500 | 4,697 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 3,606 |
| Cost of funding earning assets | 0.5007% | 2,940 |
| Net interest margin | 3.1874% | 3,393 |
| Noninterest income to average assets | 0.7062% | 1,847 |
| Noninterest expense to average assets | 3.5991% | 597 |
| Loan and lease loss provision to assets | 0.2678% | 1,438 |
| Net operating income to assets | -0.0963% | 4,782 |
| Return on assets (ROA) | -0.0840% | 4,803 |
| Pretax return on assets | -0.0893% | 4,794 |
| Return on Equity (ROE) | -0.8231% | 4,811 |
| Retained earnings to average equity (ytd only) | -0.8231% | 4,622 |
| Net charge-offs to loans | 0.5349% | 291 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 0.6176% | 3,313 |
| Efficiency ratio | 95.6067% | 233 |
| Assets per employee ($millions) | 5.9299% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5313% | 4,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.5516% | 4,155 |
| Net loans and leases to deposits | 51.0475% | 4,266 |
| Net loans and leases to core deposits | 52.5164% | 4,314 |
| Total domestic deposits to total assets | 89.2337% | 880 |
| Equity capital to assets | 9.3112% | 3,778 |
| Core capital (leverage) ratio | 9.2633% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,092,600 | 4,794 |
| Average earning assets | $36,549,800 | 4,760 |
| Average equity | $3,887,600 | 4,850 |
| Average total loans | $19,068,000 | 4,735 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 3,590 |
| Cost of funding earning assets | 0.5232% | 3,093 |
| Net interest margin | 3.2700% | 3,279 |
| Noninterest income to average assets | 0.7841% | 1,558 |
| Noninterest expense to average assets | 3.6878% | 544 |
| Loan and lease loss provision to assets | 0.0564% | 3,644 |
| Net operating income to assets | 0.1622% | 4,639 |
| Return on assets (ROA) | 0.1790% | 4,661 |
| Pretax return on assets | 0.1898% | 4,664 |
| Return on Equity (ROE) | 1.7123% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.7123% | 4,026 |
| Net charge-offs to loans | 0.0978% | 1,329 |
| Credit loss provision to net charge-offs | 114.2857% | 2,520 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,809 |
| Efficiency ratio | 94.1499% | 260 |
| Assets per employee ($millions) | 5.5336% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5067% | 4,808 |
| Loan loss allowance to noncurrent loans | 115.9091% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 3,312 |
| Noncurrent loans to loans | 0.4371% | 2,750 |
| Net loans and leases to total assets | 51.7078% | 3,984 |
| Net loans and leases to deposits | 58.6535% | 4,135 |
| Net loans and leases to core deposits | 60.0336% | 4,201 |
| Total domestic deposits to total assets | 88.1580% | 1,144 |
| Equity capital to assets | 10.2001% | 3,069 |
| Core capital (leverage) ratio | 10.0059% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,238,500 | 4,828 |
| Average earning assets | $35,676,750 | 4,795 |
| Average equity | $3,893,250 | 4,875 |
| Average total loans | $19,082,750 | 4,767 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 3,699 |
| Cost of funding earning assets | 0.5398% | 3,292 |
| Net interest margin | 3.3300% | 3,311 |
| Noninterest income to average assets | 0.8111% | 1,404 |
| Noninterest expense to average assets | 3.7126% | 564 |
| Loan and lease loss provision to assets | 0.0544% | 3,622 |
| Net operating income to assets | 0.2232% | 4,538 |
| Return on assets (ROA) | 0.2232% | 4,578 |
| Pretax return on assets | 0.2341% | 4,602 |
| Return on Equity (ROE) | 2.1167% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.1167% | 3,706 |
| Net charge-offs to loans | -0.1815% | 4,927 |
| Credit loss provision to net charge-offs | -58.8235% | 3,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7891% | 325 |
| Assets per employee ($millions) | 5.6777% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6560% | 4,656 |
| Loan loss allowance to noncurrent loans | 105.7851% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,091 |
| Noncurrent loans to loans | 0.6202% | 2,308 |
| Net loans and leases to total assets | 48.7696% | 4,221 |
| Net loans and leases to deposits | 55.0888% | 4,332 |
| Net loans and leases to core deposits | 56.7617% | 4,407 |
| Total domestic deposits to total assets | 88.5291% | 933 |
| Equity capital to assets | 9.9084% | 3,279 |
| Core capital (leverage) ratio | 10.2339% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,739,667 | 4,856 |
| Average earning assets | $35,195,000 | 4,829 |
| Average equity | $3,874,000 | 4,909 |
| Average total loans | $18,733,333 | 4,796 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 3,333 |
| Cost of funding earning assets | 0.5800% | 3,531 |
| Net interest margin | 3.5866% | 2,712 |
| Noninterest income to average assets | 0.3405% | 3,481 |
| Noninterest expense to average assets | 3.7801% | 639 |
| Loan and lease loss provision to assets | 0.0681% | 2,902 |
| Net operating income to assets | -0.0681% | 4,786 |
| Return on assets (ROA) | -0.0681% | 4,773 |
| Pretax return on assets | -0.0681% | 4,765 |
| Return on Equity (ROE) | -0.6247% | 4,783 |
| Retained earnings to average equity (ytd only) | -0.6247% | 4,093 |
| Net charge-offs to loans | -0.3707% | 4,999 |
| Credit loss provision to net charge-offs | -35.2941% | 3,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 237 |
| Assets per employee ($millions) | 3.6024% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6755% | 4,652 |
| Loan loss allowance to noncurrent loans | 101.6393% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 3,090 |
| Noncurrent loans to loans | 0.6646% | 2,328 |
| Net loans and leases to total assets | 50.6107% | 4,208 |
| Net loans and leases to deposits | 57.6980% | 4,295 |
| Net loans and leases to core deposits | 59.6558% | 4,373 |
| Total domestic deposits to total assets | 87.7165% | 1,223 |
| Equity capital to assets | 10.6401% | 3,198 |
| Core capital (leverage) ratio | 11.0294% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,237,500 | 4,909 |
| Average earning assets | $33,792,500 | 4,877 |
| Average equity | $3,842,000 | 4,953 |
| Average total loans | $18,344,500 | 4,838 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 3,424 |
| Cost of funding earning assets | 0.5719% | 3,761 |
| Net interest margin | 3.7677% | 2,618 |
| Noninterest income to average assets | 0.5011% | 2,736 |
| Noninterest expense to average assets | 3.7706% | 700 |
| Loan and lease loss provision to assets | 0.0672% | 2,672 |
| Net operating income to assets | 0.2294% | 4,819 |
| Return on assets (ROA) | 0.2267% | 4,843 |
| Pretax return on assets | 0.2379% | 4,861 |
| Return on Equity (ROE) | 2.2349% | 4,774 |
| Retained earnings to average equity (ytd only) | 2.2349% | 3,894 |
| Net charge-offs to loans | 0.1617% | 1,243 |
| Credit loss provision to net charge-offs | 77.4194% | 2,829 |
| Earnings coverage of net charge-offs (x) | 3.5484% | 3,309 |
| Efficiency ratio | 92.4502% | 278 |
| Assets per employee ($millions) | 4.3064% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5509% | 4,817 |
| Loan loss allowance to noncurrent loans | 82.1138% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 2,970 |
| Noncurrent loans to loans | 0.6709% | 2,207 |
| Net loans and leases to total assets | 52.9215% | 4,154 |
| Net loans and leases to deposits | 60.9134% | 4,247 |
| Net loans and leases to core deposits | 63.0778% | 4,319 |
| Total domestic deposits to total assets | 86.8799% | 1,672 |
| Equity capital to assets | 11.1782% | 2,835 |
| Core capital (leverage) ratio | 10.8404% | 2,644 |
| Tier 1 risk-based capital ratio | 23.8759% | 840 |
| Total risk-based capital ratio | 24.4989% | 874 |
| Memoranda: | ||
| Average total assets | $35,724,000 | 4,960 |
| Average earning assets | $33,920,000 | 4,930 |
| Average equity | $3,624,400 | 5,023 |
| Average total loans | $19,165,800 | 4,881 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 3,606 |
| Cost of funding earning assets | 0.5621% | 3,857 |
| Net interest margin | 3.7548% | 2,734 |
| Noninterest income to average assets | 0.5031% | 2,712 |
| Noninterest expense to average assets | 3.7363% | 711 |
| Loan and lease loss provision to assets | 0.0666% | 2,554 |
| Net operating income to assets | 0.2477% | 4,909 |
| Return on assets (ROA) | 0.2442% | 4,925 |
| Pretax return on assets | 0.2553% | 4,944 |
| Return on Equity (ROE) | 2.4665% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.4665% | 4,107 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9854% | 271 |
| Assets per employee ($millions) | 4.4843% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 4,706 |
| Loan loss allowance to noncurrent loans | 134.0426% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 3,515 |
| Noncurrent loans to loans | 0.4977% | 2,802 |
| Net loans and leases to total assets | 52.2997% | 4,301 |
| Net loans and leases to deposits | 59.9272% | 4,388 |
| Net loans and leases to core deposits | 61.9596% | 4,458 |
| Total domestic deposits to total assets | 87.2721% | 1,389 |
| Equity capital to assets | 10.7766% | 3,314 |
| Core capital (leverage) ratio | 10.4032% | 3,192 |
| Tier 1 risk-based capital ratio | 23.1134% | 936 |
| Total risk-based capital ratio | 23.8705% | 965 |
| Memoranda: | ||
| Average total assets | $36,042,250 | 5,029 |
| Average earning assets | $34,159,750 | 5,002 |
| Average equity | $3,567,750 | 5,101 |
| Average total loans | $19,374,000 | 4,949 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 3,740 |
| Cost of funding earning assets | 0.5635% | 3,819 |
| Net interest margin | 3.7036% | 2,921 |
| Noninterest income to average assets | 0.5319% | 2,489 |
| Noninterest expense to average assets | 3.7010% | 750 |
| Loan and lease loss provision to assets | 0.0665% | 2,484 |
| Net operating income to assets | 0.2493% | 4,937 |
| Return on assets (ROA) | 0.2493% | 4,953 |
| Pretax return on assets | 0.2604% | 4,973 |
| Return on Equity (ROE) | 2.5949% | 4,860 |
| Retained earnings to average equity (ytd only) | 2.5949% | 3,893 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8845% | 283 |
| Assets per employee ($millions) | 5.1854% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 4,840 |
| Loan loss allowance to noncurrent loans | 126.3158% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.7467% | 590 |
| Noncurrent loans to loans | 0.4893% | 2,814 |
| Net loans and leases to total assets | 53.1627% | 4,280 |
| Net loans and leases to deposits | 60.4334% | 4,410 |
| Net loans and leases to core deposits | 62.4236% | 4,487 |
| Total domestic deposits to total assets | 87.9690% | 1,117 |
| Equity capital to assets | 10.1052% | 3,883 |
| Core capital (leverage) ratio | 10.5407% | 3,045 |
| Tier 1 risk-based capital ratio | 21.1256% | 1,161 |
| Total risk-based capital ratio | 21.7884% | 1,212 |
| Memoranda: | ||
| Average total assets | $36,098,330 | 5,068 |
| Average earning assets | $34,075,000 | 5,046 |
| Average equity | $3,468,330 | 5,151 |
| Average total loans | $19,536,000 | 4,988 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 3,703 |
| Cost of funding earning assets | 0.5301% | 3,916 |
| Net interest margin | 3.7225% | 2,809 |
| Noninterest income to average assets | 0.6000% | 2,044 |
| Noninterest expense to average assets | 3.7335% | 711 |
| Loan and lease loss provision to assets | 0.0667% | 2,332 |
| Net operating income to assets | 0.3000% | 4,898 |
| Return on assets (ROA) | 0.3000% | 4,901 |
| Pretax return on assets | 0.3111% | 4,948 |
| Return on Equity (ROE) | 3.2062% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.2062% | 3,649 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8108% | 364 |
| Assets per employee ($millions) | 5.1909% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 4,960 |
| Loan loss allowance to noncurrent loans | 118.7500% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 619 |
| Noncurrent loans to loans | 0.4932% | 2,835 |
| Net loans and leases to total assets | 53.2530% | 4,255 |
| Net loans and leases to deposits | 60.1286% | 4,397 |
| Net loans and leases to core deposits | 62.8145% | 4,438 |
| Total domestic deposits to total assets | 88.5651% | 1,052 |
| Equity capital to assets | 9.5883% | 4,176 |
| Core capital (leverage) ratio | 10.6282% | 2,917 |
| Tier 1 risk-based capital ratio | 21.1260% | 1,146 |
| Total risk-based capital ratio | 21.7614% | 1,223 |
| Memoranda: | ||
| Average total assets | $35,998,500 | 5,122 |
| Average earning assets | $33,956,000 | 5,100 |
| Average equity | $3,368,500 | 5,215 |
| Average total loans | $19,595,500 | 5,047 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 3,090 |
| Cost of funding earning assets | 0.6198% | 2,590 |
| Net interest margin | 3.6862% | 3,091 |
| Noninterest income to average assets | 0.4122% | 3,364 |
| Noninterest expense to average assets | 3.7495% | 727 |
| Loan and lease loss provision to assets | 0.0282% | 3,608 |
| Net operating income to assets | 0.1385% | 5,156 |
| Return on assets (ROA) | 0.1412% | 5,148 |
| Pretax return on assets | 0.1468% | 5,150 |
| Return on Equity (ROE) | 1.5191% | 5,106 |
| Retained earnings to average equity (ytd only) | 1.5191% | 4,524 |
| Net charge-offs to loans | 0.1042% | 1,718 |
| Credit loss provision to net charge-offs | 47.6190% | 3,220 |
| Earnings coverage of net charge-offs (x) | 2.9048% | 3,479 |
| Efficiency ratio | 95.6084% | 218 |
| Assets per employee ($millions) | 5.0944% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5475% | 5,064 |
| Loan loss allowance to noncurrent loans | 110.2041% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 582 |
| Noncurrent loans to loans | 0.4968% | 2,782 |
| Net loans and leases to total assets | 55.0153% | 4,208 |
| Net loans and leases to deposits | 61.9345% | 4,381 |
| Net loans and leases to core deposits | 63.6815% | 4,457 |
| Total domestic deposits to total assets | 88.8281% | 935 |
| Equity capital to assets | 9.1220% | 4,473 |
| Core capital (leverage) ratio | 10.5854% | 2,944 |
| Tier 1 risk-based capital ratio | 20.5645% | 1,213 |
| Total risk-based capital ratio | 21.1565% | 1,297 |
| Memoranda: | ||
| Average total assets | $35,417,800 | 5,169 |
| Average earning assets | $33,720,000 | 5,140 |
| Average equity | $3,291,400 | 5,259 |
| Average total loans | $20,158,400 | 5,074 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,844 |
| Cost of funding earning assets | 0.6199% | 2,335 |
| Net interest margin | 3.7117% | 2,976 |
| Noninterest income to average assets | 0.3394% | 3,880 |
| Noninterest expense to average assets | 3.7559% | 702 |
| Loan and lease loss provision to assets | 0.0151% | 3,710 |
| Net operating income to assets | 0.1131% | 5,248 |
| Return on assets (ROA) | 0.1169% | 5,239 |
| Pretax return on assets | 0.1169% | 5,244 |
| Return on Equity (ROE) | 1.2520% | 5,208 |
| Retained earnings to average equity (ytd only) | 1.2520% | 4,790 |
| Net charge-offs to loans | 0.1316% | 1,224 |
| Credit loss provision to net charge-offs | 20.0000% | 3,016 |
| Earnings coverage of net charge-offs (x) | 1.6997% | 3,325 |
| Efficiency ratio | 96.6990% | 192 |
| Assets per employee ($millions) | 5.0361% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5173% | 5,169 |
| Loan loss allowance to noncurrent loans | 105.0505% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 2.1502% | 471 |
| Noncurrent loans to loans | 0.4925% | 2,912 |
| Net loans and leases to total assets | 56.7299% | 4,155 |
| Net loans and leases to deposits | 65.7105% | 4,220 |
| Net loans and leases to core deposits | 67.6373% | 4,315 |
| Total domestic deposits to total assets | 86.3331% | 2,043 |
| Equity capital to assets | 9.0886% | 4,469 |
| Core capital (leverage) ratio | 10.5528% | 3,031 |
| Tier 1 risk-based capital ratio | 19.8416% | 1,367 |
| Total risk-based capital ratio | 20.3945% | 1,475 |
| Memoranda: | ||
| Average total assets | $35,357,000 | 5,232 |
| Average earning assets | $33,766,250 | 5,202 |
| Average equity | $3,301,000 | 5,327 |
| Average total loans | $20,266,250 | 5,127 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,866 |
| Cost of funding earning assets | 0.6009% | 2,218 |
| Net interest margin | 3.6700% | 3,042 |
| Noninterest income to average assets | 0.3391% | 3,918 |
| Noninterest expense to average assets | 3.7749% | 687 |
| Loan and lease loss provision to assets | 0.0057% | 3,719 |
| Net operating income to assets | 0.0791% | 5,306 |
| Return on assets (ROA) | 0.0848% | 5,297 |
| Pretax return on assets | 0.0848% | 5,299 |
| Return on Equity (ROE) | 0.9000% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.9000% | 4,779 |
| Net charge-offs to loans | 0.1968% | 797 |
| Credit loss provision to net charge-offs | 5.0000% | 2,749 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 3,109 |
| Efficiency ratio | 97.8038% | 193 |
| Assets per employee ($millions) | 5.0643% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4871% | 5,273 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 2,416 |
| Noncurrent loans to loans | 0.4871% | 2,974 |
| Net loans and leases to total assets | 58.2003% | 3,975 |
| Net loans and leases to deposits | 66.0224% | 4,163 |
| Net loans and leases to core deposits | 67.8930% | 4,259 |
| Total domestic deposits to total assets | 88.1523% | 1,303 |
| Equity capital to assets | 9.1650% | 4,419 |
| Core capital (leverage) ratio | 10.4675% | 3,066 |
| Tier 1 risk-based capital ratio | 19.9101% | 1,332 |
| Total risk-based capital ratio | 20.4508% | 1,457 |
| Memoranda: | ||
| Average total assets | $35,391,670 | 5,297 |
| Average earning assets | $33,950,670 | 5,261 |
| Average equity | $3,333,330 | 5,384 |
| Average total loans | $20,320,670 | 5,189 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,708 |
| Cost of funding earning assets | 0.6005% | 2,054 |
| Net interest margin | 3.6502% | 2,987 |
| Noninterest income to average assets | 0.3054% | 4,121 |
| Noninterest expense to average assets | 3.7893% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0226% | 5,376 |
| Return on assets (ROA) | 0.0226% | 5,373 |
| Pretax return on assets | 0.0226% | 5,381 |
| Return on Equity (ROE) | 0.2370% | 5,368 |
| Retained earnings to average equity (ytd only) | 0.2370% | 4,769 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4065% | 183 |
| Assets per employee ($millions) | 4.4046% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5874% | 5,208 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 3,701 |
| Noncurrent loans to loans | 0.5035% | 3,003 |
| Net loans and leases to total assets | 57.1558% | 4,020 |
| Net loans and leases to deposits | 65.8019% | 4,103 |
| Net loans and leases to core deposits | 67.7020% | 4,231 |
| Total domestic deposits to total assets | 86.8604% | 2,181 |
| Equity capital to assets | 9.3992% | 4,183 |
| Core capital (leverage) ratio | 9.6958% | 3,852 |
| Tier 1 risk-based capital ratio | 16.9877% | 2,119 |
| Total risk-based capital ratio | 17.5756% | 2,295 |
| Memoranda: | ||
| Average total assets | $35,362,500 | 5,357 |
| Average earning assets | $33,971,000 | 5,315 |
| Average equity | $3,375,500 | 5,431 |
| Average total loans | $20,114,500 | 5,253 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 2,937 |
| Cost of funding earning assets | 0.6087% | 1,537 |
| Net interest margin | 3.5248% | 3,448 |
| Noninterest income to average assets | 0.4176% | 3,522 |
| Noninterest expense to average assets | 3.6742% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1139% | 5,246 |
| Return on assets (ROA) | 0.1139% | 5,248 |
| Pretax return on assets | 0.1193% | 5,364 |
| Return on Equity (ROE) | 1.1844% | 5,209 |
| Retained earnings to average equity (ytd only) | 1.1844% | 4,557 |
| Net charge-offs to loans | 0.0590% | 2,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,575 |
| Efficiency ratio | 96.8549% | 236 |
| Assets per employee ($millions) | 4.4360% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 5,244 |
| Loan loss allowance to noncurrent loans | 116.5049% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 3,725 |
| Noncurrent loans to loans | 0.5158% | 2,971 |
| Net loans and leases to total assets | 55.9344% | 4,195 |
| Net loans and leases to deposits | 63.4753% | 4,355 |
| Net loans and leases to core deposits | 64.5298% | 4,501 |
| Total domestic deposits to total assets | 88.1199% | 1,426 |
| Equity capital to assets | 9.6906% | 4,039 |
| Core capital (leverage) ratio | 10.2765% | 3,096 |
| Tier 1 risk-based capital ratio | 18.4243% | 1,671 |
| Total risk-based capital ratio | 19.0193% | 1,820 |
| Memoranda: | ||
| Average total assets | $36,878,400 | 5,381 |
| Average earning assets | $35,321,000 | 5,344 |
| Average equity | $3,546,000 | 5,475 |
| Average total loans | $20,337,400 | 5,303 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,081 |
| Cost of funding earning assets | 0.6095% | 1,465 |
| Net interest margin | 3.4627% | 3,629 |
| Noninterest income to average assets | 0.4298% | 3,476 |
| Noninterest expense to average assets | 3.6389% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1075% | 5,440 |
| Return on assets (ROA) | 0.1075% | 5,451 |
| Pretax return on assets | 0.1075% | 5,456 |
| Return on Equity (ROE) | 1.1196% | 5,417 |
| Retained earnings to average equity (ytd only) | 1.1196% | 4,942 |
| Net charge-offs to loans | 0.0783% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,457 |
| Efficiency ratio | 97.1319% | 226 |
| Assets per employee ($millions) | 4.5961% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 5,373 |
| Loan loss allowance to noncurrent loans | 1,487.5000% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,142 |
| Noncurrent loans to loans | 0.0385% | 4,945 |
| Net loans and leases to total assets | 56.2539% | 4,211 |
| Net loans and leases to deposits | 66.4696% | 4,211 |
| Net loans and leases to core deposits | 67.5749% | 4,377 |
| Total domestic deposits to total assets | 84.6311% | 2,868 |
| Equity capital to assets | 9.5787% | 4,365 |
| Core capital (leverage) ratio | 10.0720% | 3,477 |
| Tier 1 risk-based capital ratio | 17.5754% | 1,987 |
| Total risk-based capital ratio | 18.1396% | 2,143 |
| Memoranda: | ||
| Average total assets | $37,226,000 | 5,436 |
| Average earning assets | $35,655,750 | 5,397 |
| Average equity | $3,572,750 | 5,533 |
| Average total loans | $20,429,250 | 5,357 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,126 |
| Cost of funding earning assets | 0.6026% | 1,427 |
| Net interest margin | 3.4202% | 3,700 |
| Noninterest income to average assets | 0.4013% | 3,682 |
| Noninterest expense to average assets | 3.5743% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1070% | 5,485 |
| Return on assets (ROA) | 0.1070% | 5,489 |
| Pretax return on assets | 0.1070% | 5,505 |
| Return on Equity (ROE) | 1.1143% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.1143% | 4,794 |
| Net charge-offs to loans | 0.1182% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,262 |
| Efficiency ratio | 97.0930% | 231 |
| Assets per employee ($millions) | 3.3778% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 5,435 |
| Loan loss allowance to noncurrent loans | 1,487.5000% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 5,188 |
| Noncurrent loans to loans | 0.0379% | 5,002 |
| Net loans and leases to total assets | 56.4350% | 4,176 |
| Net loans and leases to deposits | 65.7995% | 4,233 |
| Net loans and leases to core deposits | 66.8612% | 4,422 |
| Total domestic deposits to total assets | 85.7681% | 2,491 |
| Equity capital to assets | 9.6028% | 4,309 |
| Core capital (leverage) ratio | 9.9766% | 3,566 |
| Tier 1 risk-based capital ratio | 17.5092% | 2,008 |
| Total risk-based capital ratio | 18.0714% | 2,159 |
| Memoranda: | ||
| Average total assets | $37,378,330 | 5,476 |
| Average earning assets | $35,846,330 | 5,434 |
| Average equity | $3,589,670 | 5,579 |
| Average total loans | $20,304,670 | 5,400 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,053 |
| Cost of funding earning assets | 0.6012% | 1,365 |
| Net interest margin | 3.3954% | 3,665 |
| Noninterest income to average assets | 0.4054% | 3,618 |
| Noninterest expense to average assets | 3.5637% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0960% | 5,525 |
| Return on assets (ROA) | 0.0960% | 5,527 |
| Pretax return on assets | 0.0960% | 5,521 |
| Return on Equity (ROE) | 0.9999% | 5,493 |
| Retained earnings to average equity (ytd only) | 0.9999% | 4,659 |
| Net charge-offs to loans | 0.1607% | 1,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.1250% | 2,759 |
| Efficiency ratio | 97.3761% | 284 |
| Assets per employee ($millions) | 4.6825% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 5,467 |
| Loan loss allowance to noncurrent loans | 1,537.5000% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 5,249 |
| Noncurrent loans to loans | 0.0394% | 5,038 |
| Net loans and leases to total assets | 53.8121% | 4,349 |
| Net loans and leases to deposits | 60.9961% | 4,496 |
| Net loans and leases to core deposits | 61.9446% | 4,663 |
| Total domestic deposits to total assets | 88.2221% | 1,580 |
| Equity capital to assets | 9.5035% | 4,281 |
| Core capital (leverage) ratio | 9.8274% | 3,722 |
| Tier 1 risk-based capital ratio | 18.1176% | 1,829 |
| Total risk-based capital ratio | 18.7206% | 1,998 |
| Memoranda: | ||
| Average total assets | $37,489,500 | 5,533 |
| Average earning assets | $35,930,500 | 5,495 |
| Average equity | $3,600,500 | 5,636 |
| Average total loans | $19,913,000 | 5,468 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 3,237 |
| Cost of funding earning assets | 0.5945% | 1,378 |
| Net interest margin | 3.3925% | 3,845 |
| Noninterest income to average assets | 0.4183% | 3,752 |
| Noninterest expense to average assets | 3.6085% | 1,002 |
| Loan and lease loss provision to assets | 0.0492% | 3,413 |
| Net operating income to assets | 0.0041% | 5,639 |
| Return on assets (ROA) | 0.0683% | 5,622 |
| Pretax return on assets | 0.0847% | 5,604 |
| Return on Equity (ROE) | 0.6713% | 5,606 |
| Retained earnings to average equity (ytd only) | 0.6713% | 5,057 |
| Net charge-offs to loans | 0.0543% | 2,952 |
| Credit loss provision to net charge-offs | 180.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,904 |
| Efficiency ratio | 98.5075% | 242 |
| Assets per employee ($millions) | 4.6899% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 5,412 |
| Loan loss allowance to noncurrent loans | 1,637.5000% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,304 |
| Noncurrent loans to loans | 0.0409% | 5,089 |
| Net loans and leases to total assets | 51.7444% | 4,631 |
| Net loans and leases to deposits | 58.7662% | 4,749 |
| Net loans and leases to core deposits | 59.2143% | 4,895 |
| Total domestic deposits to total assets | 88.0514% | 1,607 |
| Equity capital to assets | 9.7044% | 4,062 |
| Core capital (leverage) ratio | 9.7019% | 3,856 |
| Tier 1 risk-based capital ratio | 18.4537% | 1,738 |
| Total risk-based capital ratio | 19.1187% | 1,844 |
| Memoranda: | ||
| Average total assets | $36,579,800 | 5,606 |
| Average earning assets | $34,989,000 | 5,567 |
| Average equity | $3,724,000 | 5,672 |
| Average total loans | $18,421,400 | 5,562 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 3,206 |
| Cost of funding earning assets | 0.5907% | 1,405 |
| Net interest margin | 3.4178% | 3,784 |
| Noninterest income to average assets | 0.4219% | 3,757 |
| Noninterest expense to average assets | 3.6098% | 985 |
| Loan and lease loss provision to assets | 0.0514% | 3,220 |
| Net operating income to assets | 0.0294% | 5,696 |
| Return on assets (ROA) | 0.0404% | 5,719 |
| Pretax return on assets | 0.0404% | 5,716 |
| Return on Equity (ROE) | 0.3917% | 5,711 |
| Retained earnings to average equity (ytd only) | 0.3917% | 5,252 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8131% | 267 |
| Assets per employee ($millions) | 5.1777% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 5,405 |
| Loan loss allowance to noncurrent loans | 1,511.1111% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 5,409 |
| Noncurrent loans to loans | 0.0472% | 5,170 |
| Net loans and leases to total assets | 52.2183% | 4,641 |
| Net loans and leases to deposits | 59.9968% | 4,760 |
| Net loans and leases to core deposits | 59.9968% | 4,932 |
| Total domestic deposits to total assets | 87.0351% | 1,879 |
| Equity capital to assets | 10.6528% | 3,406 |
| Core capital (leverage) ratio | 10.0679% | 3,479 |
| Tier 1 risk-based capital ratio | 19.2441% | 1,611 |
| Total risk-based capital ratio | 19.9560% | 1,705 |
| Memoranda: | ||
| Average total assets | $36,345,000 | 5,666 |
| Average earning assets | $34,758,000 | 5,632 |
| Average equity | $3,744,750 | 5,735 |
| Average total loans | $18,140,500 | 5,627 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,140 |
| Cost of funding earning assets | 0.5806% | 1,466 |
| Net interest margin | 3.4489% | 3,690 |
| Noninterest income to average assets | 0.3848% | 3,992 |
| Noninterest expense to average assets | 3.6120% | 992 |
| Loan and lease loss provision to assets | 0.0495% | 3,160 |
| Net operating income to assets | 0.0220% | 5,748 |
| Return on assets (ROA) | 0.0275% | 5,779 |
| Pretax return on assets | 0.0275% | 5,777 |
| Return on Equity (ROE) | 0.2698% | 5,770 |
| Retained earnings to average equity (ytd only) | 0.2698% | 5,218 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0597% | 282 |
| Assets per employee ($millions) | 4.5271% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 5,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.7004% | 4,861 |
| Net loans and leases to deposits | 57.1537% | 4,942 |
| Net loans and leases to core deposits | 57.1537% | 5,122 |
| Total domestic deposits to total assets | 86.9592% | 1,937 |
| Equity capital to assets | 10.6663% | 3,444 |
| Core capital (leverage) ratio | 9.9176% | 3,665 |
| Tier 1 risk-based capital ratio | 20.3650% | 1,369 |
| Total risk-based capital ratio | 21.0973% | 1,456 |
| Memoranda: | ||
| Average total assets | $36,378,670 | 5,732 |
| Average earning assets | $34,793,670 | 5,696 |
| Average equity | $3,706,000 | 5,805 |
| Average total loans | $17,833,330 | 5,705 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,194 |
| Cost of funding earning assets | 0.5728% | 1,526 |
| Net interest margin | 3.4366% | 3,733 |
| Noninterest income to average assets | 0.4059% | 3,780 |
| Noninterest expense to average assets | 3.6973% | 899 |
| Loan and lease loss provision to assets | 0.0439% | 3,042 |
| Net operating income to assets | -0.0439% | 5,813 |
| Return on assets (ROA) | -0.0439% | 5,834 |
| Pretax return on assets | -0.0439% | 5,838 |
| Return on Equity (ROE) | -0.4411% | 5,844 |
| Retained earnings to average equity (ytd only) | -0.4411% | 5,191 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 288 |
| Assets per employee ($millions) | 4.6086% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 5,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.2302% | 4,953 |
| Net loans and leases to deposits | 54.9709% | 5,037 |
| Net loans and leases to core deposits | 54.9709% | 5,189 |
| Total domestic deposits to total assets | 87.7377% | 1,789 |
| Equity capital to assets | 10.0464% | 4,021 |
| Core capital (leverage) ratio | 9.9820% | 3,550 |
| Tier 1 risk-based capital ratio | 19.8933% | 1,527 |
| Total risk-based capital ratio | 20.5849% | 1,616 |
| Memoranda: | ||
| Average total assets | $36,459,500 | 5,789 |
| Average earning assets | $34,918,000 | 5,746 |
| Average equity | $3,627,500 | 5,868 |
| Average total loans | $17,684,000 | 5,763 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 2,899 |
| Cost of funding earning assets | 0.5285% | 1,938 |
| Net interest margin | 3.5755% | 3,225 |
| Noninterest income to average assets | 0.3941% | 4,072 |
| Noninterest expense to average assets | 3.6327% | 1,065 |
| Loan and lease loss provision to assets | 0.0496% | 3,328 |
| Net operating income to assets | 0.1158% | 5,735 |
| Return on assets (ROA) | 0.1158% | 5,776 |
| Pretax return on assets | 0.1240% | 5,776 |
| Return on Equity (ROE) | 1.2104% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.2104% | 5,023 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4381% | 424 |
| Assets per employee ($millions) | 4.0056% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 5,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.0888% | 5,007 |
| Net loans and leases to deposits | 55.7984% | 5,058 |
| Net loans and leases to core deposits | 55.7984% | 5,214 |
| Total domestic deposits to total assets | 86.1831% | 2,548 |
| Equity capital to assets | 9.8502% | 4,128 |
| Core capital (leverage) ratio | 10.1377% | 3,337 |
| Tier 1 risk-based capital ratio | 19.9097% | 1,497 |
| Total risk-based capital ratio | 20.5788% | 1,587 |
| Memoranda: | ||
| Average total assets | $36,282,000 | 5,844 |
| Average earning assets | $34,625,000 | 5,798 |
| Average equity | $3,469,800 | 5,930 |
| Average total loans | $17,089,200 | 5,828 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 2,984 |
| Cost of funding earning assets | 0.5233% | 2,011 |
| Net interest margin | 3.5669% | 3,282 |
| Noninterest income to average assets | 0.4073% | 4,035 |
| Noninterest expense to average assets | 3.6286% | 1,069 |
| Loan and lease loss provision to assets | 0.0514% | 3,177 |
| Net operating income to assets | 0.1284% | 5,808 |
| Return on assets (ROA) | 0.1284% | 5,849 |
| Pretax return on assets | 0.1284% | 5,866 |
| Return on Equity (ROE) | 1.3529% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.3529% | 5,180 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2794% | 440 |
| Assets per employee ($millions) | 4.0398% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 5,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.3266% | 5,130 |
| Net loans and leases to deposits | 54.6792% | 5,206 |
| Net loans and leases to core deposits | 54.6792% | 5,371 |
| Total domestic deposits to total assets | 86.5532% | 2,253 |
| Equity capital to assets | 9.7008% | 4,518 |
| Core capital (leverage) ratio | 10.0252% | 3,587 |
| Tier 1 risk-based capital ratio | 20.0724% | 1,526 |
| Total risk-based capital ratio | 20.7199% | 1,640 |
| Memoranda: | ||
| Average total assets | $36,340,000 | 5,919 |
| Average earning assets | $34,651,500 | 5,876 |
| Average equity | $3,449,500 | 6,010 |
| Average total loans | $16,996,750 | 5,900 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,045 |
| Cost of funding earning assets | 0.5132% | 2,133 |
| Net interest margin | 3.5466% | 3,304 |
| Noninterest income to average assets | 0.4349% | 3,813 |
| Noninterest expense to average assets | 3.6550% | 1,043 |
| Loan and lease loss provision to assets | 0.0495% | 3,126 |
| Net operating income to assets | 0.1156% | 5,852 |
| Return on assets (ROA) | 0.1156% | 5,904 |
| Pretax return on assets | 0.1156% | 5,919 |
| Return on Equity (ROE) | 1.2268% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.2268% | 5,068 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6772% | 447 |
| Assets per employee ($millions) | 4.0602% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 5,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 46.8447% | 5,184 |
| Net loans and leases to deposits | 58.5091% | 4,952 |
| Net loans and leases to core deposits | 58.5091% | 5,160 |
| Total domestic deposits to total assets | 80.0640% | 4,849 |
| Equity capital to assets | 9.4658% | 4,686 |
| Core capital (leverage) ratio | 9.9727% | 3,647 |
| Tier 1 risk-based capital ratio | 19.6481% | 1,636 |
| Total risk-based capital ratio | 20.2672% | 1,758 |
| Memoranda: | ||
| Average total assets | $36,334,000 | 5,985 |
| Average earning assets | $34,681,000 | 5,940 |
| Average equity | $3,423,670 | 6,076 |
| Average total loans | $16,887,330 | 5,973 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 2,958 |
| Cost of funding earning assets | 0.5202% | 2,110 |
| Net interest margin | 3.5487% | 3,229 |
| Noninterest income to average assets | 0.5079% | 3,235 |
| Noninterest expense to average assets | 3.7207% | 981 |
| Loan and lease loss provision to assets | 0.0442% | 3,038 |
| Net operating income to assets | 0.1325% | 5,824 |
| Return on assets (ROA) | 0.1325% | 5,887 |
| Pretax return on assets | 0.1325% | 5,920 |
| Return on Equity (ROE) | 1.4093% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.4093% | 4,920 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4674% | 524 |
| Assets per employee ($millions) | 4.5299% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 5,990 |
| Loan loss allowance to noncurrent loans | 3,633.3333% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,922 |
| Noncurrent loans to loans | 0.0179% | 5,736 |
| Net loans and leases to total assets | 46.0498% | 5,196 |
| Net loans and leases to deposits | 55.9306% | 5,056 |
| Net loans and leases to core deposits | 55.9306% | 5,253 |
| Total domestic deposits to total assets | 82.3339% | 4,404 |
| Equity capital to assets | 9.5505% | 4,692 |
| Core capital (leverage) ratio | 10.0202% | 3,573 |
| Tier 1 risk-based capital ratio | 19.9297% | 1,638 |
| Total risk-based capital ratio | 20.5282% | 1,752 |
| Memoranda: | ||
| Average total assets | $36,230,000 | 6,048 |
| Average earning assets | $34,604,500 | 6,000 |
| Average equity | $3,406,000 | 6,139 |
| Average total loans | $16,715,000 | 6,030 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 3,267 |
| Cost of funding earning assets | 0.6008% | 1,754 |
| Net interest margin | 3.5148% | 3,735 |
| Noninterest income to average assets | 0.3616% | 4,505 |
| Noninterest expense to average assets | 3.6493% | 1,219 |
| Loan and lease loss provision to assets | 0.0497% | 3,572 |
| Net operating income to assets | 0.0166% | 6,069 |
| Return on assets (ROA) | 0.0166% | 6,089 |
| Pretax return on assets | 0.0055% | 6,090 |
| Return on Equity (ROE) | 0.1788% | 6,088 |
| Retained earnings to average equity (ytd only) | 0.1788% | 5,696 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5097% | 408 |
| Assets per employee ($millions) | 4.5276% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 6,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.6310% | 5,359 |
| Net loans and leases to deposits | 53.7444% | 5,345 |
| Net loans and leases to core deposits | 53.7444% | 5,515 |
| Total domestic deposits to total assets | 84.9038% | 3,329 |
| Equity capital to assets | 9.2515% | 5,006 |
| Core capital (leverage) ratio | 10.0452% | 3,509 |
| Tier 1 risk-based capital ratio | 19.2815% | 1,776 |
| Total risk-based capital ratio | 19.8403% | 1,930 |
| Memoranda: | ||
| Average total assets | $36,225,800 | 6,126 |
| Average earning assets | $34,454,200 | 6,077 |
| Average equity | $3,356,400 | 6,207 |
| Average total loans | $15,705,200 | 6,140 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 3,285 |
| Cost of funding earning assets | 0.6198% | 1,673 |
| Net interest margin | 3.5020% | 3,819 |
| Noninterest income to average assets | 0.3754% | 4,429 |
| Noninterest expense to average assets | 3.6436% | 1,217 |
| Loan and lease loss provision to assets | 0.0515% | 3,345 |
| Net operating income to assets | 0.0295% | 6,111 |
| Return on assets (ROA) | 0.0295% | 6,132 |
| Pretax return on assets | 0.0074% | 6,138 |
| Return on Equity (ROE) | 0.3178% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.3178% | 5,711 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4095% | 420 |
| Assets per employee ($millions) | 4.6420% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 6,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.9916% | 5,672 |
| Net loans and leases to deposits | 46.8711% | 5,830 |
| Net loans and leases to core deposits | 46.8711% | 5,929 |
| Total domestic deposits to total assets | 89.5896% | 940 |
| Equity capital to assets | 8.9563% | 5,394 |
| Core capital (leverage) ratio | 10.0155% | 3,657 |
| Tier 1 risk-based capital ratio | 19.5472% | 1,772 |
| Total risk-based capital ratio | 20.0863% | 1,916 |
| Memoranda: | ||
| Average total assets | $36,227,000 | 6,195 |
| Average earning assets | $34,417,000 | 6,150 |
| Average equity | $3,357,750 | 6,276 |
| Average total loans | $15,473,250 | 6,215 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,942 |
| Cost of funding earning assets | 0.6515% | 1,501 |
| Net interest margin | 3.5512% | 3,569 |
| Noninterest income to average assets | 0.3507% | 4,619 |
| Noninterest expense to average assets | 3.7190% | 1,103 |
| Loan and lease loss provision to assets | 0.0501% | 3,300 |
| Net operating income to assets | -0.0167% | 6,199 |
| Return on assets (ROA) | -0.0167% | 6,219 |
| Pretax return on assets | -0.0501% | 6,225 |
| Return on Equity (ROE) | -0.1781% | 6,221 |
| Retained earnings to average equity (ytd only) | -0.1781% | 5,714 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 401 |
| Assets per employee ($millions) | 4.4675% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6190% | 6,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 43.1253% | 5,591 |
| Net loans and leases to deposits | 48.7738% | 5,724 |
| Net loans and leases to core deposits | 48.7738% | 5,860 |
| Total domestic deposits to total assets | 88.4191% | 1,672 |
| Equity capital to assets | 9.2837% | 5,000 |
| Core capital (leverage) ratio | 10.0461% | 3,541 |
| Tier 1 risk-based capital ratio | 20.7031% | 1,507 |
| Total risk-based capital ratio | 21.2527% | 1,656 |
| Memoranda: | ||
| Average total assets | $35,924,000 | 6,267 |
| Average earning assets | $34,073,330 | 6,224 |
| Average equity | $3,368,330 | 6,321 |
| Average total loans | $15,399,670 | 6,273 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 3,084 |
| Cost of funding earning assets | 0.6426% | 1,634 |
| Net interest margin | 3.5053% | 3,667 |
| Noninterest income to average assets | 0.3776% | 4,365 |
| Noninterest expense to average assets | 3.8094% | 969 |
| Loan and lease loss provision to assets | 0.0444% | 3,212 |
| Net operating income to assets | -0.0777% | 6,270 |
| Return on assets (ROA) | -0.0777% | 6,278 |
| Pretax return on assets | -0.1444% | 6,311 |
| Return on Equity (ROE) | -0.8251% | 6,281 |
| Retained earnings to average equity (ytd only) | -0.8251% | 5,697 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6946% | 406 |
| Assets per employee ($millions) | 4.5189% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5884% | 6,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 42.5272% | 5,627 |
| Net loans and leases to deposits | 49.6240% | 5,622 |
| Net loans and leases to core deposits | 49.6240% | 5,785 |
| Total domestic deposits to total assets | 85.6989% | 3,516 |
| Equity capital to assets | 9.2888% | 4,771 |
| Core capital (leverage) ratio | 10.0984% | 3,429 |
| Tier 1 risk-based capital ratio | 20.5392% | 1,576 |
| Total risk-based capital ratio | 21.0568% | 1,732 |
| Memoranda: | ||
| Average total assets | $36,016,000 | 6,328 |
| Average earning assets | $34,234,000 | 6,282 |
| Average equity | $3,393,500 | 6,367 |
| Average total loans | $15,345,000 | 6,337 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 3,223 |
| Cost of funding earning assets | 0.7242% | 1,654 |
| Net interest margin | 3.5081% | 3,864 |
| Noninterest income to average assets | 0.4527% | 4,076 |
| Noninterest expense to average assets | 3.6548% | 1,362 |
| Loan and lease loss provision to assets | 0.0939% | 3,243 |
| Net operating income to assets | 0.0447% | 6,141 |
| Return on assets (ROA) | 0.1242% | 6,052 |
| Pretax return on assets | 0.1297% | 6,048 |
| Return on Equity (ROE) | 1.2506% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.2506% | 5,267 |
| Net charge-offs to loans | 0.3675% | 1,844 |
| Credit loss provision to net charge-offs | 59.6491% | 3,578 |
| Earnings coverage of net charge-offs (x) | 0.8947% | 4,787 |
| Efficiency ratio | 96.2909% | 626 |
| Assets per employee ($millions) | 4.4851% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 6,504 |
| Loan loss allowance to noncurrent loans | 621.4286% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,257 |
| Noncurrent loans to loans | 0.0920% | 5,937 |
| Net loans and leases to total assets | 42.1895% | 5,814 |
| Net loans and leases to deposits | 47.5290% | 5,924 |
| Net loans and leases to core deposits | 47.5290% | 6,061 |
| Total domestic deposits to total assets | 88.7656% | 1,769 |
| Equity capital to assets | 9.5566% | 4,337 |
| Core capital (leverage) ratio | 10.0127% | 3,552 |
| Tier 1 risk-based capital ratio | 21.2811% | 1,371 |
| Total risk-based capital ratio | 21.7928% | 1,508 |
| Memoranda: | ||
| Average total assets | $36,226,200 | 6,386 |
| Average earning assets | $34,520,600 | 6,335 |
| Average equity | $3,598,200 | 6,417 |
| Average total loans | $15,511,400 | 6,393 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 3,282 |
| Cost of funding earning assets | 0.7399% | 1,669 |
| Net interest margin | 3.4877% | 3,933 |
| Noninterest income to average assets | 0.4773% | 3,953 |
| Noninterest expense to average assets | 3.6130% | 1,376 |
| Loan and lease loss provision to assets | 0.0367% | 4,280 |
| Net operating income to assets | 0.1425% | 6,050 |
| Return on assets (ROA) | 0.2460% | 5,878 |
| Pretax return on assets | 0.2607% | 5,952 |
| Return on Equity (ROE) | 2.4538% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.4538% | 4,861 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0725% | 674 |
| Assets per employee ($millions) | 4.0258% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 6,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 44.3475% | 5,701 |
| Net loans and leases to deposits | 52.0843% | 5,702 |
| Net loans and leases to core deposits | 52.0843% | 5,885 |
| Total domestic deposits to total assets | 85.1457% | 3,662 |
| Equity capital to assets | 9.6379% | 4,373 |
| Core capital (leverage) ratio | 10.1495% | 3,464 |
| Tier 1 risk-based capital ratio | 20.4529% | 1,609 |
| Total risk-based capital ratio | 21.1272% | 1,734 |
| Memoranda: | ||
| Average total assets | $36,312,500 | 6,455 |
| Average earning assets | $34,597,250 | 6,399 |
| Average equity | $3,640,500 | 6,485 |
| Average total loans | $15,583,000 | 6,456 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 3,305 |
| Cost of funding earning assets | 0.7621% | 1,636 |
| Net interest margin | 3.4524% | 3,996 |
| Noninterest income to average assets | 0.4898% | 3,901 |
| Noninterest expense to average assets | 3.4783% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2889% | 5,635 |
| Return on assets (ROA) | 0.4458% | 5,204 |
| Pretax return on assets | 0.4678% | 5,469 |
| Return on Equity (ROE) | 4.3902% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.3902% | 3,474 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9942% | 892 |
| Assets per employee ($millions) | 3.9967% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 6,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 42.2269% | 5,885 |
| Net loans and leases to deposits | 47.8333% | 5,987 |
| Net loans and leases to core deposits | 47.8333% | 6,138 |
| Total domestic deposits to total assets | 88.2791% | 2,059 |
| Equity capital to assets | 10.0695% | 3,829 |
| Core capital (leverage) ratio | 10.1001% | 3,371 |
| Tier 1 risk-based capital ratio | 21.7267% | 1,349 |
| Total risk-based capital ratio | 22.3748% | 1,435 |
| Memoranda: | ||
| Average total assets | $36,339,330 | 6,500 |
| Average earning assets | $34,643,000 | 6,440 |
| Average equity | $3,690,000 | 6,521 |
| Average total loans | $15,381,330 | 6,504 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 3,099 |
| Cost of funding earning assets | 0.7834% | 1,623 |
| Net interest margin | 3.4677% | 3,828 |
| Noninterest income to average assets | 0.5038% | 3,748 |
| Noninterest expense to average assets | 3.8331% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0329% | 6,382 |
| Return on assets (ROA) | 0.0548% | 6,324 |
| Pretax return on assets | 0.0548% | 6,330 |
| Return on Equity (ROE) | 0.5371% | 6,322 |
| Retained earnings to average equity (ytd only) | 0.5371% | 5,611 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8646% | 515 |
| Assets per employee ($millions) | 3.9727% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 6,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,642 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.3167% | 5,624 |
| Net loans and leases to deposits | 50.4281% | 5,756 |
| Net loans and leases to core deposits | 50.4281% | 5,943 |
| Total domestic deposits to total assets | 87.8811% | 2,395 |
| Equity capital to assets | 10.3653% | 3,715 |
| Core capital (leverage) ratio | 9.8224% | 3,636 |
| Tier 1 risk-based capital ratio | 21.0183% | 1,528 |
| Total risk-based capital ratio | 21.6584% | 1,648 |
| Memoranda: | ||
| Average total assets | $36,524,000 | 6,560 |
| Average earning assets | $34,720,500 | 6,502 |
| Average equity | $3,724,000 | 6,583 |
| Average total loans | $15,423,000 | 6,560 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 3,564 |
| Cost of funding earning assets | 1.0102% | 1,302 |
| Net interest margin | 3.4507% | 4,701 |
| Noninterest income to average assets | 0.5145% | 3,806 |
| Noninterest expense to average assets | 3.8604% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0299% | 6,215 |
| Return on assets (ROA) | 0.1987% | 5,961 |
| Pretax return on assets | 0.1470% | 6,073 |
| Return on Equity (ROE) | 1.9974% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.9974% | 4,819 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1614% | 487 |
| Assets per employee ($millions) | 4.1438% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 6,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,709 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 39.6391% | 6,194 |
| Net loans and leases to deposits | 44.8936% | 6,315 |
| Net loans and leases to core deposits | 44.8936% | 6,425 |
| Total domestic deposits to total assets | 88.2957% | 2,032 |
| Equity capital to assets | 10.0338% | 4,123 |
| Core capital (leverage) ratio | 9.6253% | 3,924 |
| Tier 1 risk-based capital ratio | 21.0053% | 1,462 |
| Total risk-based capital ratio | 21.6461% | 1,557 |
| Memoranda: | ||
| Average total assets | $36,731,800 | 6,590 |
| Average earning assets | $34,746,400 | 6,538 |
| Average equity | $3,654,800 | 6,649 |
| Average total loans | $15,260,800 | 6,644 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 3,496 |
| Cost of funding earning assets | 1.0412% | 1,330 |
| Net interest margin | 3.4939% | 4,672 |
| Noninterest income to average assets | 0.4992% | 3,935 |
| Noninterest expense to average assets | 3.8332% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0036% | 6,274 |
| Return on assets (ROA) | 0.0875% | 6,289 |
| Pretax return on assets | 0.0510% | 6,333 |
| Return on Equity (ROE) | 0.8808% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.8808% | 5,813 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8629% | 513 |
| Assets per employee ($millions) | 4.0254% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 6,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,809 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 41.1521% | 6,187 |
| Net loans and leases to deposits | 46.6519% | 6,342 |
| Net loans and leases to core deposits | 46.6519% | 6,480 |
| Total domestic deposits to total assets | 88.2111% | 1,908 |
| Equity capital to assets | 10.1521% | 4,273 |
| Core capital (leverage) ratio | 9.7789% | 3,834 |
| Tier 1 risk-based capital ratio | 20.9946% | 1,527 |
| Total risk-based capital ratio | 21.6438% | 1,629 |
| Memoranda: | ||
| Average total assets | $36,591,250 | 6,675 |
| Average earning assets | $34,573,750 | 6,624 |
| Average equity | $3,633,000 | 6,737 |
| Average total loans | $15,353,000 | 6,726 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 3,276 |
| Cost of funding earning assets | 1.0639% | 1,391 |
| Net interest margin | 3.5559% | 4,437 |
| Noninterest income to average assets | 0.4685% | 4,145 |
| Noninterest expense to average assets | 3.7917% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0817% | 6,200 |
| Return on assets (ROA) | 0.2070% | 6,079 |
| Pretax return on assets | 0.1525% | 6,223 |
| Return on Equity (ROE) | 2.1006% | 6,014 |
| Retained earnings to average equity (ytd only) | 2.1006% | 5,148 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2867% | 586 |
| Assets per employee ($millions) | 4.0041% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 6,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,857 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 42.0318% | 6,182 |
| Net loans and leases to deposits | 47.6651% | 6,331 |
| Net loans and leases to core deposits | 47.6651% | 6,482 |
| Total domestic deposits to total assets | 88.1816% | 2,023 |
| Equity capital to assets | 10.1424% | 4,134 |
| Core capital (leverage) ratio | 9.5311% | 4,103 |
| Tier 1 risk-based capital ratio | 20.6428% | 1,539 |
| Total risk-based capital ratio | 21.2786% | 1,666 |
| Memoranda: | ||
| Average total assets | $36,712,000 | 6,716 |
| Average earning assets | $34,590,000 | 6,670 |
| Average equity | $3,618,000 | 6,775 |
| Average total loans | $15,464,670 | 6,771 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 2,965 |
| Cost of funding earning assets | 1.1056% | 1,381 |
| Net interest margin | 3.6164% | 4,196 |
| Noninterest income to average assets | 0.4427% | 4,349 |
| Noninterest expense to average assets | 3.7355% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1943% | 6,002 |
| Return on assets (ROA) | 0.2159% | 6,082 |
| Pretax return on assets | 0.1188% | 6,352 |
| Return on Equity (ROE) | 2.2225% | 6,002 |
| Retained earnings to average equity (ytd only) | 2.2225% | 5,154 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4648% | 660 |
| Assets per employee ($millions) | 4.2472% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6964% | 6,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 6,915 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.6645% | 6,295 |
| Net loans and leases to deposits | 45.6371% | 6,458 |
| Net loans and leases to core deposits | 46.7250% | 6,521 |
| Total domestic deposits to total assets | 89.1040% | 1,638 |
| Equity capital to assets | 9.3970% | 4,963 |
| Core capital (leverage) ratio | 9.6776% | 3,801 |
| Tier 1 risk-based capital ratio | 19.6058% | 1,810 |
| Total risk-based capital ratio | 20.2127% | 1,956 |
| Memoranda: | ||
| Average total assets | $37,049,500 | 6,762 |
| Average earning assets | $34,731,000 | 6,717 |
| Average equity | $3,599,500 | 6,822 |
| Average total loans | $15,569,000 | 6,817 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 1,789 |
| Cost of funding earning assets | 1.2474% | 1,750 |
| Net interest margin | 4.0280% | 2,741 |
| Noninterest income to average assets | 0.4445% | 4,268 |
| Noninterest expense to average assets | 3.9828% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2806% | 5,325 |
| Return on assets (ROA) | 0.3889% | 5,082 |
| Pretax return on assets | 0.4094% | 5,268 |
| Return on Equity (ROE) | 3.7974% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.7974% | 3,514 |
| Net charge-offs to loans | 0.0585% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.1000% | 1,884 |
| Efficiency ratio | 93.0964% | 976 |
| Assets per employee ($millions) | 3.9860% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 6,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,969 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.8611% | 6,312 |
| Net loans and leases to deposits | 47.8675% | 6,503 |
| Net loans and leases to core deposits | 47.8675% | 6,649 |
| Total domestic deposits to total assets | 89.5412% | 1,242 |
| Equity capital to assets | 10.0546% | 4,099 |
| Core capital (leverage) ratio | 9.8147% | 3,571 |
| Tier 1 risk-based capital ratio | 19.9260% | 1,666 |
| Total risk-based capital ratio | 20.5464% | 1,787 |
| Memoranda: | ||
| Average total assets | $34,196,800 | 6,854 |
| Average earning assets | $32,547,400 | 6,794 |
| Average equity | $3,502,400 | 6,877 |
| Average total loans | $17,081,200 | 6,801 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 1,577 |
| Cost of funding earning assets | 1.2566% | 1,956 |
| Net interest margin | 4.1224% | 2,386 |
| Noninterest income to average assets | 0.5605% | 3,444 |
| Noninterest expense to average assets | 3.9315% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5274% | 4,416 |
| Return on assets (ROA) | 0.5724% | 4,390 |
| Pretax return on assets | 0.6000% | 4,814 |
| Return on Equity (ROE) | 5.5615% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.5615% | 2,815 |
| Net charge-offs to loans | -0.0153% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6761% | 1,373 |
| Assets per employee ($millions) | 3.8249% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 6,911 |
| Loan loss allowance to noncurrent loans | 119.6078% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,304 |
| Noncurrent loans to loans | 0.6185% | 5,651 |
| Net loans and leases to total assets | 47.5540% | 6,008 |
| Net loans and leases to deposits | 53.3503% | 6,265 |
| Net loans and leases to core deposits | 53.3503% | 6,493 |
| Total domestic deposits to total assets | 89.1355% | 1,345 |
| Equity capital to assets | 10.4782% | 3,732 |
| Core capital (leverage) ratio | 10.7959% | 2,576 |
| Tier 1 risk-based capital ratio | 19.5796% | 1,790 |
| Total risk-based capital ratio | 20.2598% | 1,912 |
| Memoranda: | ||
| Average total assets | $33,777,500 | 6,932 |
| Average earning assets | $32,148,750 | 6,863 |
| Average equity | $3,476,250 | 6,943 |
| Average total loans | $17,480,250 | 6,845 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 1,530 |
| Cost of funding earning assets | 1.2712% | 2,113 |
| Net interest margin | 4.1391% | 2,269 |
| Noninterest income to average assets | 0.6197% | 3,007 |
| Noninterest expense to average assets | 3.9271% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5995% | 4,066 |
| Return on assets (ROA) | 0.6674% | 3,826 |
| Pretax return on assets | 0.7032% | 4,372 |
| Return on Equity (ROE) | 6.5255% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.5255% | 2,126 |
| Net charge-offs to loans | -0.0225% | 6,852 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1438% | 1,591 |
| Assets per employee ($millions) | 3.7640% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 7,020 |
| Loan loss allowance to noncurrent loans | 119.6078% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 6,351 |
| Noncurrent loans to loans | 0.5864% | 5,757 |
| Net loans and leases to total assets | 50.9889% | 5,696 |
| Net loans and leases to deposits | 57.1462% | 6,034 |
| Net loans and leases to core deposits | 57.1462% | 6,337 |
| Total domestic deposits to total assets | 89.2254% | 1,403 |
| Equity capital to assets | 10.3111% | 3,736 |
| Core capital (leverage) ratio | 10.2326% | 2,998 |
| Tier 1 risk-based capital ratio | 18.9967% | 1,849 |
| Total risk-based capital ratio | 19.6626% | 1,989 |
| Memoranda: | ||
| Average total assets | $33,562,000 | 6,996 |
| Average earning assets | $31,939,000 | 6,935 |
| Average equity | $3,432,670 | 7,003 |
| Average total loans | $17,809,670 | 6,899 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 1,392 |
| Cost of funding earning assets | 1.3223% | 2,057 |
| Net interest margin | 4.1431% | 2,106 |
| Noninterest income to average assets | 0.8262% | 1,940 |
| Noninterest expense to average assets | 3.9276% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7945% | 3,060 |
| Return on assets (ROA) | 0.8741% | 2,742 |
| Pretax return on assets | 0.9220% | 3,422 |
| Return on Equity (ROE) | 8.5819% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.5819% | 1,526 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4121% | 2,163 |
| Assets per employee ($millions) | 3.6827% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 7,126 |
| Loan loss allowance to noncurrent loans | 111.1111% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 6,354 |
| Noncurrent loans to loans | 0.5950% | 5,835 |
| Net loans and leases to total assets | 54.4020% | 5,246 |
| Net loans and leases to deposits | 60.8785% | 5,632 |
| Net loans and leases to core deposits | 60.8785% | 6,027 |
| Total domestic deposits to total assets | 89.3616% | 1,556 |
| Equity capital to assets | 10.2371% | 3,489 |
| Core capital (leverage) ratio | 10.1156% | 3,010 |
| Tier 1 risk-based capital ratio | 18.5245% | 1,955 |
| Total risk-based capital ratio | 19.1707% | 2,109 |
| Memoranda: | ||
| Average total assets | $33,405,000 | 7,056 |
| Average earning assets | $31,764,000 | 6,994 |
| Average equity | $3,402,500 | 7,047 |
| Average total loans | $18,017,000 | 6,940 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 1,668 |
| Cost of funding earning assets | 1.5694% | 2,246 |
| Net interest margin | 4.1046% | 2,540 |
| Noninterest income to average assets | 0.4327% | 4,659 |
| Noninterest expense to average assets | 4.1372% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1501% | 5,441 |
| Return on assets (ROA) | 0.1442% | 5,612 |
| Pretax return on assets | 0.1504% | 5,596 |
| Return on Equity (ROE) | 1.3841% | 5,590 |
| Retained earnings to average equity (ytd only) | 1.3841% | 4,849 |
| Net charge-offs to loans | -0.0113% | 7,320 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3545% | 952 |
| Assets per employee ($millions) | 3.3666% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 7,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 6,038 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.7624% | 5,815 |
| Net loans and leases to deposits | 59.0074% | 6,152 |
| Net loans and leases to core deposits | 59.0074% | 6,473 |
| Total domestic deposits to total assets | 89.4166% | 1,428 |
| Equity capital to assets | 10.1349% | 3,577 |
| Core capital (leverage) ratio | 10.0325% | 3,058 |
| Tier 1 risk-based capital ratio | 17.8877% | 2,033 |
| Total risk-based capital ratio | 18.5252% | 2,208 |
| Memoranda: | ||
| Average total assets | $32,582,400 | 7,128 |
| Average earning assets | $30,648,800 | 7,069 |
| Average equity | $3,395,600 | 7,163 |
| Average total loans | $17,667,000 | 7,048 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7170% | 1,658 |
| Cost of funding earning assets | 1.6096% | 2,333 |
| Net interest margin | 4.1075% | 2,595 |
| Noninterest income to average assets | 0.4415% | 4,628 |
| Noninterest expense to average assets | 4.0934% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1941% | 5,523 |
| Return on assets (ROA) | 0.1981% | 5,672 |
| Pretax return on assets | 0.2063% | 5,718 |
| Return on Equity (ROE) | 1.8871% | 5,649 |
| Retained earnings to average equity (ytd only) | 1.8871% | 5,014 |
| Net charge-offs to loans | -0.0076% | 7,242 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2930% | 935 |
| Assets per employee ($millions) | 3.2526% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 7,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 5,984 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.3873% | 5,789 |
| Net loans and leases to deposits | 61.2407% | 6,192 |
| Net loans and leases to core deposits | 62.1946% | 6,448 |
| Total domestic deposits to total assets | 88.8090% | 1,504 |
| Equity capital to assets | 10.7114% | 3,280 |
| Core capital (leverage) ratio | 10.3401% | 2,871 |
| Tier 1 risk-based capital ratio | 19.1595% | 1,716 |
| Total risk-based capital ratio | 19.8419% | 1,815 |
| Memoranda: | ||
| Average total assets | $32,311,500 | 7,218 |
| Average earning assets | $30,318,000 | 7,165 |
| Average equity | $3,391,500 | 7,255 |
| Average total loans | $17,613,000 | 7,141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7650% | 1,517 |
| Cost of funding earning assets | 1.6367% | 2,447 |
| Net interest margin | 4.1283% | 2,437 |
| Noninterest income to average assets | 0.4218% | 4,737 |
| Noninterest expense to average assets | 4.0199% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2543% | 5,359 |
| Return on assets (ROA) | 0.2543% | 5,499 |
| Pretax return on assets | 0.2667% | 5,609 |
| Return on Equity (ROE) | 2.4400% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.4400% | 4,602 |
| Net charge-offs to loans | -0.0114% | 7,212 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7771% | 1,078 |
| Assets per employee ($millions) | 3.2455% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 7,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 4,795 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 53.8592% | 6,005 |
| Net loans and leases to deposits | 60.6040% | 6,356 |
| Net loans and leases to core deposits | 61.5363% | 6,588 |
| Total domestic deposits to total assets | 88.8707% | 1,508 |
| Equity capital to assets | 10.6332% | 3,240 |
| Core capital (leverage) ratio | 10.3990% | 2,713 |
| Tier 1 risk-based capital ratio | 17.7059% | 2,032 |
| Total risk-based capital ratio | 18.3379% | 2,198 |
| Memoranda: | ||
| Average total assets | $32,240,000 | 7,276 |
| Average earning assets | $30,182,000 | 7,223 |
| Average equity | $3,360,670 | 7,308 |
| Average total loans | $17,547,330 | 7,195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7921% | 1,489 |
| Cost of funding earning assets | 1.6606% | 2,594 |
| Net interest margin | 4.1315% | 2,315 |
| Noninterest income to average assets | 0.4730% | 4,265 |
| Noninterest expense to average assets | 3.9462% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3984% | 4,849 |
| Return on assets (ROA) | 0.4108% | 4,938 |
| Pretax return on assets | 0.4108% | 5,259 |
| Return on Equity (ROE) | 3.9813% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.9813% | 3,760 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8309% | 1,367 |
| Assets per employee ($millions) | 3.2296% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 7,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 4,374 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.9355% | 6,033 |
| Net loans and leases to deposits | 60.4197% | 6,426 |
| Net loans and leases to core deposits | 60.4197% | 6,712 |
| Total domestic deposits to total assets | 89.2680% | 1,384 |
| Equity capital to assets | 10.2954% | 3,479 |
| Core capital (leverage) ratio | 10.4891% | 2,631 |
| Tier 1 risk-based capital ratio | 18.3329% | 1,861 |
| Total risk-based capital ratio | 18.9779% | 1,987 |
| Memoranda: | ||
| Average total assets | $32,132,500 | 7,373 |
| Average earning assets | $30,110,000 | 7,312 |
| Average equity | $3,315,500 | 7,400 |
| Average total loans | $17,521,000 | 7,285 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6992% | 3,106 |
| Cost of funding earning assets | 2.1940% | 2,066 |
| Net interest margin | 3.5052% | 4,935 |
| Noninterest income to average assets | 0.5442% | 4,077 |
| Noninterest expense to average assets | 3.8941% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.0219% | 5,532 |
| Return on assets (ROA) | -0.0125% | 5,555 |
| Pretax return on assets | -0.0125% | 5,469 |
| Return on Equity (ROE) | -0.1205% | 5,554 |
| Retained earnings to average equity (ytd only) | -0.1205% | 4,964 |
| Net charge-offs to loans | 0.1190% | 5,986 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 6,571 |
| Efficiency ratio | 100.5654% | 1,073 |
| Assets per employee ($millions) | 3.1969% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 7,423 |
| Loan loss allowance to noncurrent loans | 621.0526% | 548 |
| Noncurrent assets plus other real estate owned to assets | 1.4389% | 4,252 |
| Noncurrent loans to loans | 0.1085% | 7,144 |
| Net loans and leases to total assets | 54.3871% | 6,157 |
| Net loans and leases to deposits | 61.6058% | 6,506 |
| Net loans and leases to core deposits | 64.3510% | 7,070 |
| Total domestic deposits to total assets | 88.2824% | 1,834 |
| Equity capital to assets | 10.3413% | 3,350 |
| Core capital (leverage) ratio | 10.3188% | 2,771 |
| Tier 1 risk-based capital ratio | 17.8156% | 1,941 |
| Total risk-based capital ratio | 18.4486% | 2,057 |
| Memoranda: | ||
| Average total assets | $31,971,800 | 7,404 |
| Average earning assets | $30,355,000 | 7,342 |
| Average equity | $3,319,200 | 7,498 |
| Average total loans | $17,651,600 | 7,328 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 3,514 |
| Cost of funding earning assets | 2.3095% | 1,944 |
| Net interest margin | 3.3525% | 5,434 |
| Noninterest income to average assets | 0.5630% | 3,985 |
| Noninterest expense to average assets | 3.9617% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.2085% | 6,080 |
| Return on assets (ROA) | -0.1960% | 6,069 |
| Pretax return on assets | -0.1960% | 5,974 |
| Return on Equity (ROE) | -1.8862% | 6,084 |
| Retained earnings to average equity (ytd only) | -1.8862% | 5,700 |
| Net charge-offs to loans | 0.1658% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -2.2731% | 6,765 |
| Efficiency ratio | 105.5556% | 868 |
| Assets per employee ($millions) | 3.2125% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 7,413 |
| Loan loss allowance to noncurrent loans | 557.1429% | 582 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 4,233 |
| Noncurrent loans to loans | 0.1224% | 7,169 |
| Net loans and leases to total assets | 53.0553% | 6,492 |
| Net loans and leases to deposits | 59.4406% | 6,870 |
| Net loans and leases to core deposits | 62.6410% | 7,299 |
| Total domestic deposits to total assets | 89.2576% | 1,080 |
| Equity capital to assets | 10.2195% | 3,828 |
| Core capital (leverage) ratio | 10.2256% | 3,044 |
| Tier 1 risk-based capital ratio | 17.0393% | 2,266 |
| Total risk-based capital ratio | 17.6477% | 2,416 |
| Memoranda: | ||
| Average total assets | $31,972,500 | 7,464 |
| Average earning assets | $30,423,750 | 7,400 |
| Average equity | $3,322,500 | 7,563 |
| Average total loans | $17,688,250 | 7,391 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 4,227 |
| Cost of funding earning assets | 2.3731% | 2,068 |
| Net interest margin | 3.1948% | 5,935 |
| Noninterest income to average assets | 0.5952% | 3,739 |
| Noninterest expense to average assets | 3.9660% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3258% | 6,353 |
| Return on assets (ROA) | -0.3070% | 6,346 |
| Pretax return on assets | -0.3070% | 6,241 |
| Return on Equity (ROE) | -2.9379% | 6,356 |
| Retained earnings to average equity (ytd only) | -2.9379% | 5,964 |
| Net charge-offs to loans | 0.2463% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -2.3636% | 6,372 |
| Efficiency ratio | 108.9501% | 879 |
| Assets per employee ($millions) | 3.2332% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 7,525 |
| Loan loss allowance to noncurrent loans | 531.8182% | 622 |
| Noncurrent assets plus other real estate owned to assets | 1.4320% | 4,101 |
| Noncurrent loans to loans | 0.1238% | 7,207 |
| Net loans and leases to total assets | 54.5992% | 6,368 |
| Net loans and leases to deposits | 61.1698% | 6,805 |
| Net loans and leases to core deposits | 64.4129% | 7,283 |
| Total domestic deposits to total assets | 89.2583% | 1,139 |
| Equity capital to assets | 10.2097% | 3,707 |
| Core capital (leverage) ratio | 10.2120% | 3,081 |
| Tier 1 risk-based capital ratio | 16.7007% | 2,396 |
| Total risk-based capital ratio | 17.2973% | 2,552 |
| Memoranda: | ||
| Average total assets | $31,921,670 | 7,533 |
| Average earning assets | $30,424,000 | 7,463 |
| Average equity | $3,335,670 | 7,622 |
| Average total loans | $17,864,000 | 7,444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 4,825 |
| Cost of funding earning assets | 2.4016% | 2,287 |
| Net interest margin | 3.1142% | 6,159 |
| Noninterest income to average assets | 0.6684% | 3,085 |
| Noninterest expense to average assets | 3.8970% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2522% | 6,620 |
| Return on assets (ROA) | -0.2522% | 6,698 |
| Pretax return on assets | -0.2522% | 6,624 |
| Return on Equity (ROE) | -2.3859% | 6,710 |
| Retained earnings to average equity (ytd only) | -2.3859% | 6,174 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9204% | 900 |
| Assets per employee ($millions) | 3.1747% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 7,261 |
| Loan loss allowance to noncurrent loans | 23.4401% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 3,114 |
| Noncurrent loans to loans | 3.2710% | 1,967 |
| Net loans and leases to total assets | 56.6668% | 6,145 |
| Net loans and leases to deposits | 63.6904% | 6,588 |
| Net loans and leases to core deposits | 66.6247% | 7,213 |
| Total domestic deposits to total assets | 88.9722% | 1,239 |
| Equity capital to assets | 10.5490% | 3,414 |
| Core capital (leverage) ratio | 10.4278% | 3,003 |
| Tier 1 risk-based capital ratio | 16.8554% | 2,383 |
| Total risk-based capital ratio | 17.5643% | 2,523 |
| Memoranda: | ||
| Average total assets | $31,716,500 | 7,580 |
| Average earning assets | $30,312,500 | 7,501 |
| Average equity | $3,353,000 | 7,672 |
| Average total loans | $17,911,000 | 7,488 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0458% | 5,318 |
| Cost of funding earning assets | 2.8740% | 2,374 |
| Net interest margin | 3.1718% | 6,458 |
| Noninterest income to average assets | 0.7086% | 3,065 |
| Noninterest expense to average assets | 3.8093% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0748% | 6,472 |
| Return on assets (ROA) | -0.0718% | 6,316 |
| Pretax return on assets | -0.0718% | 6,236 |
| Return on Equity (ROE) | -0.7172% | 6,327 |
| Retained earnings to average equity (ytd only) | -0.7172% | 5,519 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0016% | 916 |
| Assets per employee ($millions) | 3.1686% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 7,162 |
| Loan loss allowance to noncurrent loans | 87.4214% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 5,687 |
| Noncurrent loans to loans | 0.8987% | 4,827 |
| Net loans and leases to total assets | 55.3999% | 6,499 |
| Net loans and leases to deposits | 62.3810% | 6,916 |
| Net loans and leases to core deposits | 65.7478% | 7,368 |
| Total domestic deposits to total assets | 88.8089% | 1,106 |
| Equity capital to assets | 10.5946% | 3,397 |
| Core capital (leverage) ratio | 10.3239% | 3,154 |
| Tier 1 risk-based capital ratio | 17.6799% | 2,123 |
| Total risk-based capital ratio | 18.4192% | 2,212 |
| Memoranda: | ||
| Average total assets | $33,444,200 | 7,485 |
| Average earning assets | $31,906,600 | 7,413 |
| Average equity | $3,346,400 | 7,735 |
| Average total loans | $19,021,400 | 7,398 |