Home > Vantage Bank > Performance and Condition Ratios
Vantage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 1,605 |
| Cost of funding earning assets | 1.0677% | 3,150 |
| Net interest margin | 4.1651% | 983 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.7612% | 1,601 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4195% | 1,181 |
| Return on assets (ROA) | 1.4195% | 1,155 |
| Pretax return on assets | 1.4195% | 1,593 |
| Return on Equity (ROE) | 16.5400% | 1,012 |
| Retained earnings to average equity (ytd only) | 16.5431% | 241 |
| Net charge-offs to loans | 0.0177% | 2,006 |
| Credit loss provision to net charge-offs | 666.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 103.8889% | 883 |
| Efficiency ratio | 64.5430% | 2,539 |
| Assets per employee ($millions) | 7.2856% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 3,334 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.0900% | 267 |
| Net loans and leases to deposits | 92.4172% | 1,057 |
| Net loans and leases to core deposits | 101.2524% | 1,367 |
| Total domestic deposits to total assets | 90.9900% | 505 |
| Equity capital to assets | 8.5969% | 2,978 |
| Core capital (leverage) ratio | 8.1162% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2959% | 2,495 |
| Memoranda: | ||
| Average total assets | $61,639,800 | 4,193 |
| Average earning assets | $57,789,600 | 4,164 |
| Average equity | $5,289,200 | 4,233 |
| Average total loans | $50,931,000 | 3,830 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 1,793 |
| Cost of funding earning assets | 0.9645% | 3,126 |
| Net interest margin | 4.0544% | 1,141 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.6113% | 1,912 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5277% | 1,067 |
| Return on assets (ROA) | 1.5277% | 1,053 |
| Pretax return on assets | 1.5277% | 1,509 |
| Return on Equity (ROE) | 17.8100% | 972 |
| Retained earnings to average equity (ytd only) | 17.8124% | 347 |
| Net charge-offs to loans | 0.0241% | 1,600 |
| Credit loss provision to net charge-offs | 488.8889% | 643 |
| Earnings coverage of net charge-offs (x) | 82.1111% | 1,034 |
| Efficiency ratio | 61.6502% | 2,760 |
| Assets per employee ($millions) | 7.0838% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,498 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 86.2800% | 145 |
| Net loans and leases to deposits | 95.1711% | 808 |
| Net loans and leases to core deposits | 103.3714% | 1,148 |
| Total domestic deposits to total assets | 90.6600% | 759 |
| Equity capital to assets | 8.5579% | 2,690 |
| Core capital (leverage) ratio | 8.1405% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8964% | 2,638 |
| Memoranda: | ||
| Average total assets | $60,657,250 | 4,220 |
| Average earning assets | $57,089,250 | 4,193 |
| Average equity | $5,202,250 | 4,255 |
| Average total loans | $49,740,750 | 3,854 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 1,979 |
| Cost of funding earning assets | 0.7950% | 3,218 |
| Net interest margin | 4.0107% | 1,222 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.6398% | 1,821 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4189% | 1,284 |
| Return on assets (ROA) | 1.4189% | 1,267 |
| Pretax return on assets | 1.4189% | 1,767 |
| Return on Equity (ROE) | 16.5300% | 1,179 |
| Retained earnings to average equity (ytd only) | 16.5310% | 425 |
| Net charge-offs to loans | 0.0377% | 1,154 |
| Credit loss provision to net charge-offs | 255.5556% | 944 |
| Earnings coverage of net charge-offs (x) | 49.5556% | 1,292 |
| Efficiency ratio | 63.8281% | 2,508 |
| Assets per employee ($millions) | 6.7499% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,318 |
| 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 | 82.3800% | 392 |
| Net loans and leases to deposits | 92.9185% | 959 |
| Net loans and leases to core deposits | 99.8882% | 1,248 |
| Total domestic deposits to total assets | 88.6600% | 1,363 |
| Equity capital to assets | 8.5351% | 2,837 |
| Core capital (leverage) ratio | 8.1971% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3543% | 2,519 |
| Memoranda: | ||
| Average total assets | $59,625,000 | 4,251 |
| Average earning assets | $56,100,000 | 4,228 |
| Average equity | $5,117,667 | 4,282 |
| Average total loans | $47,805,667 | 3,885 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 1,815 |
| Cost of funding earning assets | 0.6762% | 3,133 |
| Net interest margin | 4.0356% | 1,200 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.6345% | 1,862 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3477% | 1,554 |
| Return on assets (ROA) | 1.3477% | 1,521 |
| Pretax return on assets | 1.3477% | 2,028 |
| Return on Equity (ROE) | 15.6600% | 1,428 |
| Retained earnings to average equity (ytd only) | 15.6570% | 723 |
| Net charge-offs to loans | 0.0172% | 1,340 |
| Credit loss provision to net charge-offs | 650.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 760 |
| Efficiency ratio | 64.7255% | 2,367 |
| Assets per employee ($millions) | 6.5964% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,012 |
| 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 | 77.3900% | 832 |
| Net loans and leases to deposits | 84.9742% | 1,427 |
| Net loans and leases to core deposits | 90.1533% | 1,607 |
| Total domestic deposits to total assets | 91.0700% | 779 |
| Equity capital to assets | 8.7539% | 2,692 |
| Core capital (leverage) ratio | 8.0191% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0491% | 2,372 |
| Memoranda: | ||
| Average total assets | $59,063,000 | 4,317 |
| Average earning assets | $55,605,500 | 4,288 |
| Average equity | $5,084,000 | 4,343 |
| Average total loans | $46,427,000 | 3,957 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 2,810 |
| Cost of funding earning assets | 0.3147% | 2,756 |
| Net interest margin | 3.2836% | 2,611 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.5966% | 1,833 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8606% | 3,113 |
| Return on assets (ROA) | 0.8606% | 3,042 |
| Pretax return on assets | 0.9429% | 3,237 |
| Return on Equity (ROE) | 11.5100% | 2,300 |
| Retained earnings to average equity (ytd only) | 11.5117% | 775 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.9891% | 1,446 |
| Assets per employee ($millions) | 6.5287% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 2,957 |
| 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 | 78.1000% | 788 |
| Net loans and leases to deposits | 85.4059% | 1,361 |
| Net loans and leases to core deposits | 88.8811% | 1,561 |
| Total domestic deposits to total assets | 91.4500% | 793 |
| Equity capital to assets | 8.4601% | 2,729 |
| Core capital (leverage) ratio | 7.4336% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5917% | 2,534 |
| Memoranda: | ||
| Average total assets | $60,771,000 | 4,328 |
| Average earning assets | $57,193,000 | 4,297 |
| Average equity | $4,543,200 | 4,481 |
| Average total loans | $40,320,600 | 4,059 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2494% | 3,311 |
| Cost of funding earning assets | 0.3143% | 2,021 |
| Net interest margin | 2.9351% | 3,401 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.4588% | 2,133 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6898% | 3,592 |
| Return on assets (ROA) | 0.6898% | 3,552 |
| Pretax return on assets | 0.7986% | 3,576 |
| Return on Equity (ROE) | 9.5300% | 2,863 |
| Retained earnings to average equity (ytd only) | 9.5273% | 1,476 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.4401% | 1,234 |
| Assets per employee ($millions) | 6.2700% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,126 |
| 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 | 71.1100% | 1,384 |
| Net loans and leases to deposits | 76.8910% | 1,805 |
| Net loans and leases to core deposits | 79.7817% | 1,916 |
| Total domestic deposits to total assets | 92.4800% | 723 |
| Equity capital to assets | 7.4226% | 3,262 |
| Core capital (leverage) ratio | 7.3771% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8329% | 2,865 |
| Memoranda: | ||
| Average total assets | $61,274,250 | 4,358 |
| Average earning assets | $57,690,500 | 4,323 |
| Average equity | $4,436,250 | 4,531 |
| Average total loans | $38,801,750 | 4,108 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8907% | 3,808 |
| Cost of funding earning assets | 0.3286% | 1,451 |
| Net interest margin | 2.5621% | 3,974 |
| Noninterest income to average assets | 0.5230% | 2,075 |
| Noninterest expense to average assets | 2.4573% | 2,062 |
| Loan and lease loss provision to assets | 0.0395% | 1,874 |
| Net operating income to assets | 0.2730% | 4,334 |
| Return on assets (ROA) | 0.2730% | 4,285 |
| Pretax return on assets | 0.4375% | 4,103 |
| Return on Equity (ROE) | 3.8041% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.8041% | 3,156 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7444% | 694 |
| Assets per employee ($millions) | 5.8153% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,574 |
| Loan loss allowance to noncurrent loans | 310.4575% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 1,991 |
| Noncurrent loans to loans | 0.3938% | 1,949 |
| Net loans and leases to total assets | 65.9966% | 1,693 |
| Net loans and leases to deposits | 71.4866% | 2,072 |
| Net loans and leases to core deposits | 74.0036% | 2,175 |
| Total domestic deposits to total assets | 92.3203% | 717 |
| Equity capital to assets | 7.6041% | 3,406 |
| Core capital (leverage) ratio | 7.0285% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5000% | 2,676 |
| Memoranda: | ||
| Average total assets | $60,799,000 | 4,409 |
| Average earning assets | $57,218,333 | 4,385 |
| Average equity | $4,363,667 | 4,585 |
| Average total loans | $36,712,333 | 4,200 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5822% | 4,152 |
| Cost of funding earning assets | 0.3338% | 1,329 |
| Net interest margin | 2.2483% | 4,294 |
| Noninterest income to average assets | 0.6568% | 1,460 |
| Noninterest expense to average assets | 2.3116% | 2,456 |
| Loan and lease loss provision to assets | 0.0386% | 1,668 |
| Net operating income to assets | 0.1095% | 4,454 |
| Return on assets (ROA) | 0.1095% | 4,422 |
| Pretax return on assets | 0.4314% | 3,980 |
| Return on Equity (ROE) | 1.5688% | 4,334 |
| Retained earnings to average equity (ytd only) | 1.5688% | 3,668 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1019% | 912 |
| Assets per employee ($millions) | 5.6775% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,300 |
| Loan loss allowance to noncurrent loans | 360.7692% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,385 |
| Noncurrent loans to loans | 0.3634% | 2,181 |
| Net loans and leases to total assets | 56.5321% | 2,479 |
| Net loans and leases to deposits | 62.1946% | 2,698 |
| Net loans and leases to core deposits | 64.2593% | 2,777 |
| Total domestic deposits to total assets | 90.8956% | 1,087 |
| Equity capital to assets | 6.9540% | 4,235 |
| Core capital (leverage) ratio | 6.5163% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7569% | 2,942 |
| Memoranda: | ||
| Average total assets | $62,122,000 | 4,419 |
| Average earning assets | $58,710,000 | 4,392 |
| Average equity | $4,334,500 | 4,627 |
| Average total loans | $35,641,500 | 4,240 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0446% | 3,794 |
| Cost of funding earning assets | 0.4157% | 1,432 |
| Net interest margin | 2.6289% | 4,002 |
| Noninterest income to average assets | 1.9882% | 322 |
| Noninterest expense to average assets | 2.8182% | 1,315 |
| Loan and lease loss provision to assets | 0.0463% | 2,134 |
| Net operating income to assets | 1.5770% | 865 |
| Return on assets (ROA) | 1.5770% | 897 |
| Pretax return on assets | 1.5770% | 1,492 |
| Return on Equity (ROE) | 20.5897% | 280 |
| Retained earnings to average equity (ytd only) | 11.0887% | 686 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4507% | 2,648 |
| Assets per employee ($millions) | 5.6174% | 3,149 |
| Cash dividends to net income (ytd only)* | 46.1444% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,342 |
| Loan loss allowance to noncurrent loans | 350.7576% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,493 |
| Noncurrent loans to loans | 0.3717% | 2,253 |
| Net loans and leases to total assets | 56.7154% | 2,517 |
| Net loans and leases to deposits | 62.4454% | 2,841 |
| Net loans and leases to core deposits | 64.2391% | 2,959 |
| Total domestic deposits to total assets | 90.8239% | 573 |
| Equity capital to assets | 7.0010% | 4,719 |
| Core capital (leverage) ratio | 6.7670% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8931% | 2,912 |
| Memoranda: | ||
| Average total assets | $51,806,800 | 4,543 |
| Average earning assets | $48,347,400 | 4,523 |
| Average equity | $3,968,000 | 4,705 |
| Average total loans | $34,554,400 | 4,296 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1588% | 3,683 |
| Cost of funding earning assets | 0.4363% | 1,445 |
| Net interest margin | 2.7225% | 3,928 |
| Noninterest income to average assets | 1.8981% | 376 |
| Noninterest expense to average assets | 2.7742% | 1,397 |
| Loan and lease loss provision to assets | 0.0487% | 2,026 |
| Net operating income to assets | 1.6061% | 1,018 |
| Return on assets (ROA) | 1.6061% | 1,060 |
| Pretax return on assets | 1.6061% | 1,677 |
| Return on Equity (ROE) | 20.4198% | 396 |
| Retained earnings to average equity (ytd only) | 7.4597% | 2,245 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6374% | 2,590 |
| Assets per employee ($millions) | 5.2185% | 3,483 |
| Cash dividends to net income (ytd only)* | 63.4680% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,618 |
| Loan loss allowance to noncurrent loans | 341.0448% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 2,607 |
| Noncurrent loans to loans | 0.3737% | 2,441 |
| Net loans and leases to total assets | 61.6745% | 2,045 |
| Net loans and leases to deposits | 68.1587% | 2,423 |
| Net loans and leases to core deposits | 70.2761% | 2,569 |
| Total domestic deposits to total assets | 90.4866% | 572 |
| Equity capital to assets | 7.1477% | 4,780 |
| Core capital (leverage) ratio | 7.5267% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6657% | 3,023 |
| Memoranda: | ||
| Average total assets | $49,310,750 | 4,630 |
| Average earning assets | $45,839,000 | 4,613 |
| Average equity | $3,878,500 | 4,781 |
| Average total loans | $34,316,000 | 4,353 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 3,477 |
| Cost of funding earning assets | 0.4675% | 1,401 |
| Net interest margin | 2.8144% | 3,762 |
| Noninterest income to average assets | 1.6648% | 445 |
| Noninterest expense to average assets | 2.8146% | 1,316 |
| Loan and lease loss provision to assets | 0.0515% | 2,002 |
| Net operating income to assets | 1.4073% | 1,544 |
| Return on assets (ROA) | 1.4073% | 1,609 |
| Pretax return on assets | 1.4073% | 2,316 |
| Return on Equity (ROE) | 17.2465% | 746 |
| Retained earnings to average equity (ytd only) | -2.5765% | 4,698 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8635% | 2,181 |
| Assets per employee ($millions) | 4.3968% | 4,189 |
| Cash dividends to net income (ytd only)* | 114.9390% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,733 |
| Loan loss allowance to noncurrent loans | 334.0741% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 2,528 |
| Noncurrent loans to loans | 0.3707% | 2,570 |
| Net loans and leases to total assets | 74.3616% | 719 |
| Net loans and leases to deposits | 83.2870% | 1,107 |
| Net loans and leases to core deposits | 86.4149% | 1,389 |
| Total domestic deposits to total assets | 89.2836% | 1,150 |
| Equity capital to assets | 7.9334% | 4,566 |
| Core capital (leverage) ratio | 7.7103% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7635% | 3,003 |
| Memoranda: | ||
| Average total assets | $46,613,333 | 4,690 |
| Average earning assets | $43,206,667 | 4,668 |
| Average equity | $3,803,667 | 4,816 |
| Average total loans | $33,801,333 | 4,398 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2333% | 3,623 |
| Cost of funding earning assets | 0.4822% | 1,501 |
| Net interest margin | 2.7511% | 3,865 |
| Noninterest income to average assets | 1.8103% | 439 |
| Noninterest expense to average assets | 2.7374% | 1,526 |
| Loan and lease loss provision to assets | 0.0525% | 2,057 |
| Net operating income to assets | 1.5655% | 1,188 |
| Return on assets (ROA) | 1.5655% | 1,250 |
| Pretax return on assets | 1.5655% | 1,819 |
| Return on Equity (ROE) | 18.9068% | 634 |
| Retained earnings to average equity (ytd only) | -20.9137% | 4,924 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8514% | 2,628 |
| Assets per employee ($millions) | 5.4923% | 3,121 |
| Cash dividends to net income (ytd only)* | 210.6145% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,344 |
| Loan loss allowance to noncurrent loans | 320.1439% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 2,747 |
| Noncurrent loans to loans | 0.4125% | 2,622 |
| Net loans and leases to total assets | 67.2635% | 1,628 |
| Net loans and leases to deposits | 74.9899% | 2,024 |
| Net loans and leases to core deposits | 77.5559% | 2,223 |
| Total domestic deposits to total assets | 89.6967% | 972 |
| Equity capital to assets | 7.4609% | 4,722 |
| Core capital (leverage) ratio | 7.8718% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7579% | 2,969 |
| Memoranda: | ||
| Average total assets | $45,737,500 | 4,715 |
| Average earning assets | $42,310,000 | 4,697 |
| Average equity | $3,787,000 | 4,842 |
| Average total loans | $32,494,000 | 4,441 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 2,163 |
| Cost of funding earning assets | 0.7247% | 1,588 |
| Net interest margin | 3.4671% | 2,572 |
| Noninterest income to average assets | 2.9852% | 196 |
| Noninterest expense to average assets | 3.4702% | 722 |
| Loan and lease loss provision to assets | 0.2853% | 1,331 |
| Net operating income to assets | 2.3939% | 151 |
| Return on assets (ROA) | 2.3939% | 162 |
| Pretax return on assets | 2.3939% | 220 |
| Return on Equity (ROE) | 27.0009% | 86 |
| Retained earnings to average equity (ytd only) | 24.8069% | 41 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4319% | 3,926 |
| Assets per employee ($millions) | 4.6716% | 3,741 |
| Cash dividends to net income (ytd only)* | 8.1257% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,963 |
| Loan loss allowance to noncurrent loans | 313.5714% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 2,659 |
| Noncurrent loans to loans | 0.4474% | 2,625 |
| Net loans and leases to total assets | 73.3874% | 1,108 |
| Net loans and leases to deposits | 84.0530% | 1,450 |
| Net loans and leases to core deposits | 88.2025% | 1,667 |
| Total domestic deposits to total assets | 87.3109% | 1,790 |
| Equity capital to assets | 9.2427% | 3,848 |
| Core capital (leverage) ratio | 8.9564% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0886% | 2,594 |
| Memoranda: | ||
| Average total assets | $38,556,400 | 4,789 |
| Average earning assets | $35,188,200 | 4,777 |
| Average equity | $3,418,400 | 4,889 |
| Average total loans | $31,300,000 | 4,493 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,000 |
| Cost of funding earning assets | 0.7533% | 1,722 |
| Net interest margin | 3.5839% | 2,327 |
| Noninterest income to average assets | 2.8623% | 201 |
| Noninterest expense to average assets | 3.4107% | 790 |
| Loan and lease loss provision to assets | 0.2574% | 1,576 |
| Net operating income to assets | 2.4590% | 152 |
| Return on assets (ROA) | 2.4590% | 160 |
| Pretax return on assets | 2.4590% | 226 |
| Return on Equity (ROE) | 28.0673% | 78 |
| Retained earnings to average equity (ytd only) | 25.0385% | 50 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6582% | 3,963 |
| Assets per employee ($millions) | 4.7150% | 3,577 |
| Cash dividends to net income (ytd only)* | 10.7914% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,552 |
| Loan loss allowance to noncurrent loans | 372.2222% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 3,159 |
| Noncurrent loans to loans | 0.3280% | 3,108 |
| Net loans and leases to total assets | 76.6490% | 1,011 |
| Net loans and leases to deposits | 94.5166% | 881 |
| Net loans and leases to core deposits | 99.4740% | 1,199 |
| Total domestic deposits to total assets | 81.0958% | 3,637 |
| Equity capital to assets | 8.6179% | 4,390 |
| Core capital (leverage) ratio | 8.8129% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7669% | 2,699 |
| Memoranda: | ||
| Average total assets | $37,684,500 | 4,821 |
| Average earning assets | $34,337,750 | 4,816 |
| Average equity | $3,301,500 | 4,924 |
| Average total loans | $31,301,500 | 4,518 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 1,885 |
| Cost of funding earning assets | 0.8167% | 1,752 |
| Net interest margin | 3.6934% | 2,186 |
| Noninterest income to average assets | 2.8365% | 179 |
| Noninterest expense to average assets | 3.5345% | 717 |
| Loan and lease loss provision to assets | 0.1939% | 2,098 |
| Net operating income to assets | 2.4653% | 150 |
| Return on assets (ROA) | 2.4653% | 162 |
| Pretax return on assets | 2.4653% | 233 |
| Return on Equity (ROE) | 27.9610% | 79 |
| Retained earnings to average equity (ytd only) | 23.2485% | 62 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0662% | 3,806 |
| Assets per employee ($millions) | 4.5498% | 3,723 |
| Cash dividends to net income (ytd only)* | 16.8539% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,112 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 3,443 |
| Noncurrent loans to loans | 0.2729% | 3,406 |
| Net loans and leases to total assets | 80.5461% | 530 |
| Net loans and leases to deposits | 99.3913% | 587 |
| Net loans and leases to core deposits | 103.8999% | 1,012 |
| Total domestic deposits to total assets | 81.0394% | 3,596 |
| Equity capital to assets | 8.3228% | 4,576 |
| Core capital (leverage) ratio | 8.7400% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7879% | 3,016 |
| Memoranda: | ||
| Average total assets | $36,101,000 | 4,864 |
| Average earning assets | $32,815,000 | 4,860 |
| Average equity | $3,183,000 | 4,961 |
| Average total loans | $30,759,333 | 4,549 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 1,459 |
| Cost of funding earning assets | 0.9469% | 1,654 |
| Net interest margin | 3.8401% | 1,845 |
| Noninterest income to average assets | 0.9383% | 982 |
| Noninterest expense to average assets | 3.5395% | 880 |
| Loan and lease loss provision to assets | 0.0950% | 2,496 |
| Net operating income to assets | 0.7720% | 3,016 |
| Return on assets (ROA) | 0.7720% | 3,086 |
| Pretax return on assets | 0.7720% | 3,485 |
| Return on Equity (ROE) | 8.4677% | 2,326 |
| Retained earnings to average equity (ytd only) | 8.4677% | 1,108 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3235% | 1,107 |
| Assets per employee ($millions) | 3.6198% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 88.9312% | 53 |
| Net loans and leases to deposits | 103.3386% | 393 |
| Net loans and leases to core deposits | 109.9966% | 849 |
| Total domestic deposits to total assets | 86.0581% | 1,980 |
| Equity capital to assets | 9.5248% | 4,196 |
| Core capital (leverage) ratio | 8.5329% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9445% | 3,337 |
| Memoranda: | ||
| Average total assets | $33,677,500 | 4,934 |
| Average earning assets | $30,415,500 | 4,931 |
| Average equity | $3,070,500 | 5,012 |
| Average total loans | $29,466,000 | 4,607 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 1,819 |
| Cost of funding earning assets | 0.8496% | 2,435 |
| Net interest margin | 4.0273% | 1,763 |
| Noninterest income to average assets | 1.4671% | 430 |
| Noninterest expense to average assets | 3.9070% | 592 |
| Loan and lease loss provision to assets | 0.1163% | 1,815 |
| Net operating income to assets | 1.0438% | 2,681 |
| Return on assets (ROA) | 1.0438% | 2,775 |
| Pretax return on assets | 1.0438% | 3,352 |
| Return on Equity (ROE) | 11.2591% | 1,790 |
| Retained earnings to average equity (ytd only) | 9.4465% | 600 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1046% | 1,255 |
| Assets per employee ($millions) | 3.8641% | 4,075 |
| Cash dividends to net income (ytd only)* | 16.0991% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 84.2338% | 301 |
| Net loans and leases to deposits | 96.5174% | 889 |
| Net loans and leases to core deposits | 101.3037% | 1,460 |
| Total domestic deposits to total assets | 87.2732% | 1,473 |
| Equity capital to assets | 8.7357% | 4,811 |
| Core capital (leverage) ratio | 8.4011% | 4,895 |
| Tier 1 risk-based capital ratio | 9.4932% | 5,156 |
| Total risk-based capital ratio | 10.6376% | 5,151 |
| Memoranda: | ||
| Average total assets | $30,944,600 | 5,017 |
| Average earning assets | $27,661,000 | 5,014 |
| Average equity | $2,868,800 | 5,078 |
| Average total loans | $26,611,000 | 4,718 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 1,857 |
| Cost of funding earning assets | 0.8176% | 2,626 |
| Net interest margin | 4.0679% | 1,705 |
| Noninterest income to average assets | 1.3873% | 473 |
| Noninterest expense to average assets | 3.9128% | 585 |
| Loan and lease loss provision to assets | 0.1201% | 1,630 |
| Net operating income to assets | 0.9826% | 3,040 |
| Return on assets (ROA) | 0.9826% | 3,120 |
| Pretax return on assets | 0.9826% | 3,645 |
| Return on Equity (ROE) | 10.4249% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.9721% | 1,406 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0142% | 1,103 |
| Assets per employee ($millions) | 3.6051% | 4,384 |
| Cash dividends to net income (ytd only)* | 23.5288% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 83.5789% | 394 |
| Net loans and leases to deposits | 96.3476% | 979 |
| Net loans and leases to core deposits | 100.5786% | 1,617 |
| Total domestic deposits to total assets | 86.7472% | 1,652 |
| Equity capital to assets | 9.0458% | 4,761 |
| Core capital (leverage) ratio | 8.7163% | 4,821 |
| Tier 1 risk-based capital ratio | 9.6660% | 5,222 |
| Total risk-based capital ratio | 10.8443% | 5,204 |
| Memoranda: | ||
| Average total assets | $29,986,500 | 5,103 |
| Average earning assets | $26,745,500 | 5,105 |
| Average equity | $2,826,500 | 5,157 |
| Average total loans | $25,858,000 | 4,799 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 1,872 |
| Cost of funding earning assets | 0.7746% | 2,779 |
| Net interest margin | 4.0879% | 1,643 |
| Noninterest income to average assets | 1.0354% | 810 |
| Noninterest expense to average assets | 3.9291% | 584 |
| Loan and lease loss provision to assets | 0.1234% | 1,511 |
| Net operating income to assets | 0.6377% | 4,202 |
| Return on assets (ROA) | 0.6377% | 4,250 |
| Pretax return on assets | 0.6377% | 4,474 |
| Return on Equity (ROE) | 6.6659% | 3,810 |
| Retained earnings to average equity (ytd only) | 2.9387% | 3,746 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7719% | 671 |
| Assets per employee ($millions) | 3.3826% | 4,628 |
| Cash dividends to net income (ytd only)* | 55.9140% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 2,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 87.6688% | 128 |
| Net loans and leases to deposits | 101.6143% | 569 |
| Net loans and leases to core deposits | 106.3180% | 1,227 |
| Total domestic deposits to total assets | 86.2760% | 1,906 |
| Equity capital to assets | 9.2238% | 4,632 |
| Core capital (leverage) ratio | 8.6127% | 4,902 |
| Tier 1 risk-based capital ratio | 9.6529% | 5,262 |
| Total risk-based capital ratio | 10.8551% | 5,248 |
| Memoranda: | ||
| Average total assets | $29,166,670 | 5,154 |
| Average earning assets | $26,076,670 | 5,153 |
| Average equity | $2,790,330 | 5,200 |
| Average total loans | $25,331,330 | 4,845 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 1,960 |
| Cost of funding earning assets | 0.7499% | 2,791 |
| Net interest margin | 4.0305% | 1,759 |
| Noninterest income to average assets | 0.8413% | 1,187 |
| Noninterest expense to average assets | 3.9259% | 587 |
| Loan and lease loss provision to assets | 0.1262% | 1,392 |
| Net operating income to assets | 0.4066% | 4,717 |
| Return on assets (ROA) | 0.4066% | 4,731 |
| Pretax return on assets | 0.4066% | 4,831 |
| Return on Equity (ROE) | 4.1704% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.1704% | 3,255 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0503% | 479 |
| Assets per employee ($millions) | 2.8293% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 84.9150% | 289 |
| Net loans and leases to deposits | 94.4008% | 1,124 |
| Net loans and leases to core deposits | 100.6789% | 1,558 |
| Total domestic deposits to total assets | 89.9516% | 462 |
| Equity capital to assets | 9.8823% | 3,934 |
| Core capital (leverage) ratio | 8.9909% | 4,661 |
| Tier 1 risk-based capital ratio | 10.5547% | 5,167 |
| Total risk-based capital ratio | 11.8034% | 5,065 |
| Memoranda: | ||
| Average total assets | $28,528,500 | 5,216 |
| Average earning assets | $25,605,000 | 5,213 |
| Average equity | $2,781,500 | 5,257 |
| Average total loans | $24,497,000 | 4,924 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,545 |
| Cost of funding earning assets | 0.6249% | 2,553 |
| Net interest margin | 4.1752% | 1,467 |
| Noninterest income to average assets | 1.2617% | 588 |
| Noninterest expense to average assets | 4.1452% | 436 |
| Loan and lease loss provision to assets | 0.1707% | 1,170 |
| Net operating income to assets | 0.7645% | 3,929 |
| Return on assets (ROA) | 0.7645% | 3,931 |
| Pretax return on assets | 0.7645% | 4,256 |
| Return on Equity (ROE) | 7.7619% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.7619% | 1,343 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5924% | 834 |
| Assets per employee ($millions) | 2.8764% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.7379% | 343 |
| Net loans and leases to deposits | 94.0137% | 1,280 |
| Net loans and leases to core deposits | 103.1835% | 1,492 |
| Total domestic deposits to total assets | 90.1335% | 431 |
| Equity capital to assets | 9.6197% | 4,029 |
| Core capital (leverage) ratio | 8.7691% | 4,833 |
| Tier 1 risk-based capital ratio | 10.3788% | 5,225 |
| Total risk-based capital ratio | 11.6175% | 5,132 |
| Memoranda: | ||
| Average total assets | $26,947,000 | 5,282 |
| Average earning assets | $24,645,600 | 5,269 |
| Average equity | $2,654,000 | 5,309 |
| Average total loans | $24,446,200 | 4,959 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,636 |
| Cost of funding earning assets | 0.5748% | 2,665 |
| Net interest margin | 4.1385% | 1,523 |
| Noninterest income to average assets | 1.1776% | 682 |
| Noninterest expense to average assets | 4.1218% | 445 |
| Loan and lease loss provision to assets | 0.1711% | 1,090 |
| Net operating income to assets | 0.6895% | 4,260 |
| Return on assets (ROA) | 0.6895% | 4,272 |
| Pretax return on assets | 0.6895% | 4,558 |
| Return on Equity (ROE) | 6.9565% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.9565% | 2,144 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7273% | 724 |
| Assets per employee ($millions) | 2.7834% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,312 |
| Loan loss allowance to noncurrent loans | 208.1481% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 2,751 |
| Noncurrent loans to loans | 0.5175% | 2,832 |
| Net loans and leases to total assets | 92.7175% | 23 |
| Net loans and leases to deposits | 109.9433% | 289 |
| Net loans and leases to core deposits | 121.8864% | 518 |
| Total domestic deposits to total assets | 84.3321% | 2,841 |
| Equity capital to assets | 9.6932% | 3,920 |
| Core capital (leverage) ratio | 9.1568% | 4,559 |
| Tier 1 risk-based capital ratio | 9.9562% | 5,387 |
| Total risk-based capital ratio | 11.1287% | 5,358 |
| Memoranda: | ||
| Average total assets | $26,492,750 | 5,353 |
| Average earning assets | $24,355,750 | 5,340 |
| Average equity | $2,625,750 | 5,379 |
| Average total loans | $24,391,000 | 5,014 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,564 |
| Cost of funding earning assets | 0.5196% | 2,846 |
| Net interest margin | 4.1572% | 1,390 |
| Noninterest income to average assets | 1.2209% | 648 |
| Noninterest expense to average assets | 4.1926% | 414 |
| Loan and lease loss provision to assets | 0.1689% | 1,089 |
| Net operating income to assets | 0.6681% | 4,289 |
| Return on assets (ROA) | 0.6681% | 4,296 |
| Pretax return on assets | 0.6681% | 4,591 |
| Return on Equity (ROE) | 6.6880% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.6880% | 2,218 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3588% | 733 |
| Assets per employee ($millions) | 2.5625% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,100 |
| Loan loss allowance to noncurrent loans | 51.5326% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.0371% | 524 |
| Noncurrent loans to loans | 2.1919% | 638 |
| Net loans and leases to total assets | 91.8868% | 30 |
| Net loans and leases to deposits | 106.7943% | 404 |
| Net loans and leases to core deposits | 111.3918% | 913 |
| Total domestic deposits to total assets | 86.0410% | 2,257 |
| Equity capital to assets | 10.3337% | 3,305 |
| Core capital (leverage) ratio | 9.0828% | 4,606 |
| Tier 1 risk-based capital ratio | 10.8625% | 5,124 |
| Total risk-based capital ratio | 12.1139% | 5,014 |
| Memoranda: | ||
| Average total assets | $26,045,670 | 5,418 |
| Average earning assets | $23,862,330 | 5,402 |
| Average equity | $2,601,670 | 5,441 |
| Average total loans | $23,825,330 | 5,093 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,678 |
| Cost of funding earning assets | 0.4832% | 2,925 |
| Net interest margin | 4.0823% | 1,481 |
| Noninterest income to average assets | 1.0207% | 879 |
| Noninterest expense to average assets | 4.0676% | 487 |
| Loan and lease loss provision to assets | 0.1523% | 1,185 |
| Net operating income to assets | 0.5332% | 4,618 |
| Return on assets (ROA) | 0.5332% | 4,622 |
| Pretax return on assets | 0.5332% | 4,818 |
| Return on Equity (ROE) | 5.4295% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.4295% | 2,984 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5769% | 675 |
| Assets per employee ($millions) | 2.6780% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 91.3704% | 37 |
| Net loans and leases to deposits | 102.2268% | 566 |
| Net loans and leases to core deposits | 107.7407% | 1,140 |
| Total domestic deposits to total assets | 89.3801% | 929 |
| Equity capital to assets | 9.6938% | 3,890 |
| Core capital (leverage) ratio | 9.1273% | 4,537 |
| Tier 1 risk-based capital ratio | 10.6822% | 5,289 |
| Total risk-based capital ratio | 11.8847% | 5,208 |
| Memoranda: | ||
| Average total assets | $26,256,000 | 5,475 |
| Average earning assets | $24,006,000 | 5,464 |
| Average equity | $2,578,500 | 5,504 |
| Average total loans | $23,830,500 | 5,151 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 1,104 |
| Cost of funding earning assets | 0.5509% | 1,948 |
| Net interest margin | 4.1865% | 1,215 |
| Noninterest income to average assets | 1.6896% | 380 |
| Noninterest expense to average assets | 4.4748% | 322 |
| Loan and lease loss provision to assets | 0.3413% | 477 |
| Net operating income to assets | 0.7163% | 3,532 |
| Return on assets (ROA) | 0.7163% | 3,579 |
| Pretax return on assets | 0.7163% | 4,472 |
| Return on Equity (ROE) | 7.3721% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.3721% | 963 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8835% | 1,026 |
| Assets per employee ($millions) | 2.5732% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 88.1704% | 130 |
| Net loans and leases to deposits | 98.0382% | 901 |
| Net loans and leases to core deposits | 106.6516% | 1,230 |
| Total domestic deposits to total assets | 89.9347% | 594 |
| Equity capital to assets | 9.9526% | 3,757 |
| Core capital (leverage) ratio | 8.9754% | 4,676 |
| Tier 1 risk-based capital ratio | 11.2864% | 4,993 |
| Total risk-based capital ratio | 12.5270% | 4,871 |
| Memoranda: | ||
| Average total assets | $23,733,000 | 5,561 |
| Average earning assets | $21,784,400 | 5,545 |
| Average equity | $2,306,000 | 5,584 |
| Average total loans | $21,727,200 | 5,267 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,127 |
| Cost of funding earning assets | 0.5370% | 1,976 |
| Net interest margin | 4.1651% | 1,239 |
| Noninterest income to average assets | 1.6987% | 394 |
| Noninterest expense to average assets | 4.5164% | 313 |
| Loan and lease loss provision to assets | 0.3960% | 344 |
| Net operating income to assets | 0.6140% | 4,340 |
| Return on assets (ROA) | 0.6140% | 4,385 |
| Pretax return on assets | 0.6140% | 4,818 |
| Return on Equity (ROE) | 6.3624% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.3624% | 2,027 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7238% | 938 |
| Assets per employee ($millions) | 2.5092% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 92.8423% | 19 |
| Net loans and leases to deposits | 109.9075% | 273 |
| Net loans and leases to core deposits | 116.8071% | 714 |
| Total domestic deposits to total assets | 84.4731% | 2,929 |
| Equity capital to assets | 9.2061% | 4,722 |
| Core capital (leverage) ratio | 8.2476% | 5,400 |
| Tier 1 risk-based capital ratio | 9.9343% | 5,611 |
| Total risk-based capital ratio | 11.1039% | 5,594 |
| Memoranda: | ||
| Average total assets | $23,233,250 | 5,631 |
| Average earning assets | $21,351,500 | 5,617 |
| Average equity | $2,242,250 | 5,651 |
| Average total loans | $21,425,250 | 5,326 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,090 |
| Cost of funding earning assets | 0.5236% | 1,976 |
| Net interest margin | 4.1596% | 1,172 |
| Noninterest income to average assets | 1.6892% | 403 |
| Noninterest expense to average assets | 4.8555% | 240 |
| Loan and lease loss provision to assets | 0.2034% | 897 |
| Net operating income to assets | 0.4245% | 4,916 |
| Return on assets (ROA) | 0.4245% | 4,942 |
| Pretax return on assets | 0.4245% | 5,134 |
| Return on Equity (ROE) | 4.3250% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.3250% | 3,132 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5484% | 523 |
| Assets per employee ($millions) | 2.6747% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 4,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 89.6519% | 87 |
| Net loans and leases to deposits | 107.9374% | 320 |
| Net loans and leases to core deposits | 115.1478% | 749 |
| Total domestic deposits to total assets | 83.0592% | 3,547 |
| Equity capital to assets | 9.3470% | 4,568 |
| Core capital (leverage) ratio | 8.5444% | 5,182 |
| Tier 1 risk-based capital ratio | 10.6315% | 5,410 |
| Total risk-based capital ratio | 11.6639% | 5,424 |
| Memoranda: | ||
| Average total assets | $22,613,670 | 5,689 |
| Average earning assets | $20,627,000 | 5,669 |
| Average equity | $2,219,670 | 5,700 |
| Average total loans | $20,723,330 | 5,387 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 1,127 |
| Cost of funding earning assets | 0.5583% | 1,668 |
| Net interest margin | 4.0479% | 1,352 |
| Noninterest income to average assets | 1.0784% | 861 |
| Noninterest expense to average assets | 4.6243% | 300 |
| Loan and lease loss provision to assets | 0.0731% | 2,342 |
| Net operating income to assets | 0.0914% | 5,531 |
| Return on assets (ROA) | 0.0914% | 5,535 |
| Pretax return on assets | 0.0914% | 5,525 |
| Return on Equity (ROE) | 0.9072% | 5,511 |
| Retained earnings to average equity (ytd only) | 0.9072% | 4,691 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5649% | 301 |
| Assets per employee ($millions) | 2.4669% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 91.1720% | 33 |
| Net loans and leases to deposits | 103.4285% | 425 |
| Net loans and leases to core deposits | 113.6106% | 693 |
| Total domestic deposits to total assets | 88.1497% | 1,625 |
| Equity capital to assets | 9.9405% | 3,826 |
| Core capital (leverage) ratio | 8.7932% | 4,960 |
| Tier 1 risk-based capital ratio | 11.3252% | 5,128 |
| Total risk-based capital ratio | 12.3422% | 5,161 |
| Memoranda: | ||
| Average total assets | $21,884,500 | 5,762 |
| Average earning assets | $20,060,000 | 5,746 |
| Average equity | $2,204,500 | 5,766 |
| Average total loans | $20,200,500 | 5,456 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 1,042 |
| Cost of funding earning assets | 0.5997% | 1,330 |
| Net interest margin | 4.1146% | 1,349 |
| Noninterest income to average assets | 2.1213% | 319 |
| Noninterest expense to average assets | 5.1016% | 244 |
| Loan and lease loss provision to assets | 0.2304% | 941 |
| Net operating income to assets | 0.5759% | 4,315 |
| Return on assets (ROA) | 0.5759% | 4,421 |
| Pretax return on assets | 0.5759% | 4,856 |
| Return on Equity (ROE) | 5.6169% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.6169% | 1,941 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3526% | 795 |
| Assets per employee ($millions) | 2.6959% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 5,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 91.9136% | 34 |
| Net loans and leases to deposits | 103.0034% | 467 |
| Net loans and leases to core deposits | 112.7460% | 743 |
| Total domestic deposits to total assets | 89.2336% | 990 |
| Equity capital to assets | 10.2100% | 3,482 |
| Core capital (leverage) ratio | 8.6213% | 5,151 |
| Tier 1 risk-based capital ratio | 11.4109% | 5,107 |
| Total risk-based capital ratio | 12.4153% | 5,135 |
| Memoranda: | ||
| Average total assets | $20,836,400 | 5,830 |
| Average earning assets | $19,175,600 | 5,815 |
| Average equity | $2,136,400 | 5,836 |
| Average total loans | $18,709,200 | 5,555 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,185 |
| Cost of funding earning assets | 0.5963% | 1,359 |
| Net interest margin | 4.0546% | 1,514 |
| Noninterest income to average assets | 2.2272% | 303 |
| Noninterest expense to average assets | 5.0417% | 258 |
| Loan and lease loss provision to assets | 0.2324% | 853 |
| Net operating income to assets | 0.6843% | 3,939 |
| Return on assets (ROA) | 0.6843% | 4,068 |
| Pretax return on assets | 0.6843% | 4,655 |
| Return on Equity (ROE) | 6.6665% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.6665% | 1,807 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 937 |
| Assets per employee ($millions) | 2.7711% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 5,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 90.7935% | 55 |
| Net loans and leases to deposits | 100.9074% | 644 |
| Net loans and leases to core deposits | 110.0251% | 910 |
| Total domestic deposits to total assets | 89.9770% | 491 |
| Equity capital to assets | 9.8696% | 4,283 |
| Core capital (leverage) ratio | 8.6912% | 5,158 |
| Tier 1 risk-based capital ratio | 11.5299% | 5,072 |
| Total risk-based capital ratio | 12.4784% | 5,147 |
| Memoranda: | ||
| Average total assets | $20,653,750 | 5,896 |
| Average earning assets | $19,006,750 | 5,881 |
| Average equity | $2,120,000 | 5,900 |
| Average total loans | $18,389,250 | 5,621 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,242 |
| Cost of funding earning assets | 0.5754% | 1,499 |
| Net interest margin | 4.0384% | 1,526 |
| Noninterest income to average assets | 1.7867% | 403 |
| Noninterest expense to average assets | 4.9830% | 269 |
| Loan and lease loss provision to assets | 0.2382% | 830 |
| Net operating income to assets | 0.2581% | 5,415 |
| Return on assets (ROA) | 0.2581% | 5,486 |
| Pretax return on assets | 0.2581% | 5,550 |
| Return on Equity (ROE) | 2.4793% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.4793% | 4,306 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9420% | 551 |
| Assets per employee ($millions) | 2.7434% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 5,429 |
| 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 | 86.5494% | 212 |
| Net loans and leases to deposits | 99.1854% | 768 |
| Net loans and leases to core deposits | 108.5553% | 1,007 |
| Total domestic deposits to total assets | 87.2602% | 1,774 |
| Equity capital to assets | 9.6095% | 4,658 |
| Core capital (leverage) ratio | 8.8732% | 4,972 |
| Tier 1 risk-based capital ratio | 11.5864% | 5,097 |
| Total risk-based capital ratio | 12.5040% | 5,196 |
| Memoranda: | ||
| Average total assets | $20,148,670 | 5,977 |
| Average earning assets | $18,423,000 | 5,960 |
| Average equity | $2,097,330 | 5,976 |
| Average total loans | $17,758,330 | 5,707 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,126 |
| Cost of funding earning assets | 0.5740% | 1,517 |
| Net interest margin | 4.0868% | 1,379 |
| Noninterest income to average assets | 1.7039% | 423 |
| Noninterest expense to average assets | 4.7586% | 326 |
| Loan and lease loss provision to assets | 0.2494% | 707 |
| Net operating income to assets | 0.3948% | 5,010 |
| Return on assets (ROA) | 0.3948% | 5,087 |
| Pretax return on assets | 0.3948% | 5,318 |
| Return on Equity (ROE) | 3.6338% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.6338% | 3,674 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0769% | 812 |
| Assets per employee ($millions) | 2.8274% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 5,506 |
| 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 | 87.4394% | 148 |
| Net loans and leases to deposits | 101.7940% | 517 |
| Net loans and leases to core deposits | 112.7500% | 722 |
| Total domestic deposits to total assets | 85.8983% | 2,715 |
| Equity capital to assets | 10.6154% | 3,350 |
| Core capital (leverage) ratio | 9.5703% | 4,078 |
| Tier 1 risk-based capital ratio | 12.5132% | 4,569 |
| Total risk-based capital ratio | 13.4250% | 4,698 |
| Memoranda: | ||
| Average total assets | $19,249,500 | 6,049 |
| Average earning assets | $17,422,000 | 6,032 |
| Average equity | $2,091,500 | 6,034 |
| Average total loans | $17,069,000 | 5,785 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7805% | 955 |
| Cost of funding earning assets | 0.3868% | 3,299 |
| Net interest margin | 4.3938% | 809 |
| Noninterest income to average assets | 1.5530% | 521 |
| Noninterest expense to average assets | 4.8782% | 308 |
| Loan and lease loss provision to assets | 0.3002% | 573 |
| Net operating income to assets | 0.3752% | 5,123 |
| Return on assets (ROA) | 0.3752% | 5,213 |
| Pretax return on assets | 0.3752% | 5,371 |
| Return on Equity (ROE) | 3.3323% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.3323% | 3,683 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8378% | 844 |
| Assets per employee ($millions) | 2.6724% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 5,623 |
| 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 | 88.6513% | 103 |
| Net loans and leases to deposits | 104.0010% | 437 |
| Net loans and leases to core deposits | 118.5079% | 522 |
| Total domestic deposits to total assets | 85.2408% | 2,977 |
| Equity capital to assets | 11.1295% | 2,698 |
| Core capital (leverage) ratio | 9.0689% | 4,797 |
| Tier 1 risk-based capital ratio | 13.4257% | 4,041 |
| Total risk-based capital ratio | 14.3238% | 4,177 |
| Memoranda: | ||
| Average total assets | $17,321,800 | 6,123 |
| Average earning assets | $15,772,400 | 6,116 |
| Average equity | $1,950,600 | 6,106 |
| Average total loans | $15,664,400 | 5,874 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 1,049 |
| Cost of funding earning assets | 0.3033% | 4,302 |
| Net interest margin | 4.4277% | 753 |
| Noninterest income to average assets | 1.4452% | 592 |
| Noninterest expense to average assets | 4.8775% | 308 |
| Loan and lease loss provision to assets | 0.2670% | 613 |
| Net operating income to assets | 0.3142% | 5,413 |
| Return on assets (ROA) | 0.3142% | 5,499 |
| Pretax return on assets | 0.3142% | 5,621 |
| Return on Equity (ROE) | 2.7809% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.7809% | 4,452 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3525% | 740 |
| Assets per employee ($millions) | 2.7461% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5592% | 5,951 |
| 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 | 92.5090% | 20 |
| Net loans and leases to deposits | 116.6251% | 142 |
| Net loans and leases to core deposits | 141.6972% | 158 |
| Total domestic deposits to total assets | 79.3216% | 4,903 |
| Equity capital to assets | 10.7059% | 3,350 |
| Core capital (leverage) ratio | 9.6442% | 4,118 |
| Tier 1 risk-based capital ratio | 12.5968% | 4,683 |
| Total risk-based capital ratio | 13.3208% | 4,954 |
| Memoranda: | ||
| Average total assets | $16,975,500 | 6,211 |
| Average earning assets | $15,387,750 | 6,204 |
| Average equity | $1,917,750 | 6,196 |
| Average total loans | $15,405,000 | 5,957 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 1,057 |
| Cost of funding earning assets | 0.3018% | 4,380 |
| Net interest margin | 4.4034% | 756 |
| Noninterest income to average assets | 1.4791% | 581 |
| Noninterest expense to average assets | 4.8810% | 314 |
| Loan and lease loss provision to assets | 0.2712% | 606 |
| Net operating income to assets | 0.2835% | 5,487 |
| Return on assets (ROA) | 0.2835% | 5,576 |
| Pretax return on assets | 0.2835% | 5,683 |
| Return on Equity (ROE) | 2.4586% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.4586% | 4,488 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7959% | 768 |
| Assets per employee ($millions) | 2.9437% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5491% | 6,046 |
| 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 | 90.2333% | 60 |
| Net loans and leases to deposits | 118.0693% | 120 |
| Net loans and leases to core deposits | 147.5648% | 122 |
| Total domestic deposits to total assets | 76.4240% | 5,540 |
| Equity capital to assets | 11.5559% | 2,367 |
| Core capital (leverage) ratio | 10.4585% | 3,014 |
| Tier 1 risk-based capital ratio | 14.0297% | 3,906 |
| Total risk-based capital ratio | 14.7466% | 4,156 |
| Memoranda: | ||
| Average total assets | $16,226,330 | 6,299 |
| Average earning assets | $14,579,670 | 6,286 |
| Average equity | $1,871,000 | 6,271 |
| Average total loans | $14,579,000 | 6,041 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 1,253 |
| Cost of funding earning assets | 0.2885% | 4,565 |
| Net interest margin | 4.2994% | 879 |
| Noninterest income to average assets | 1.5733% | 497 |
| Noninterest expense to average assets | 4.9263% | 309 |
| Loan and lease loss provision to assets | 0.2063% | 875 |
| Net operating income to assets | 0.2837% | 5,469 |
| Return on assets (ROA) | 0.2837% | 5,564 |
| Pretax return on assets | 0.2837% | 5,682 |
| Return on Equity (ROE) | 2.4636% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.4636% | 4,456 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9524% | 785 |
| Assets per employee ($millions) | 2.7163% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5118% | 6,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 88.2624% | 96 |
| Net loans and leases to deposits | 115.1353% | 144 |
| Net loans and leases to core deposits | 135.7588% | 187 |
| Total domestic deposits to total assets | 76.6597% | 5,668 |
| Equity capital to assets | 11.3756% | 2,578 |
| Core capital (leverage) ratio | 10.5411% | 2,909 |
| Tier 1 risk-based capital ratio | 14.0516% | 3,969 |
| Total risk-based capital ratio | 14.7290% | 4,253 |
| Memoranda: | ||
| Average total assets | $15,508,500 | 6,372 |
| Average earning assets | $13,862,500 | 6,358 |
| Average equity | $1,786,000 | 6,344 |
| Average total loans | $13,856,000 | 6,124 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 1,631 |
| Cost of funding earning assets | 0.2472% | 5,357 |
| Net interest margin | 4.3254% | 1,014 |
| Noninterest income to average assets | 1.7565% | 413 |
| Noninterest expense to average assets | 5.5415% | 224 |
| Loan and lease loss provision to assets | 0.1321% | 1,979 |
| Net operating income to assets | -0.0777% | 6,140 |
| Return on assets (ROA) | -0.0777% | 6,149 |
| Pretax return on assets | -0.1088% | 6,142 |
| Return on Equity (ROE) | -0.6627% | 6,146 |
| Retained earnings to average equity (ytd only) | -0.6627% | 5,873 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5810% | 375 |
| Assets per employee ($millions) | 2.4532% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 6,260 |
| 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 | 89.5917% | 72 |
| Net loans and leases to deposits | 113.4658% | 171 |
| Net loans and leases to core deposits | 143.6962% | 138 |
| Total domestic deposits to total assets | 78.9592% | 5,258 |
| Equity capital to assets | 11.6720% | 2,280 |
| Core capital (leverage) ratio | 9.8890% | 3,724 |
| Tier 1 risk-based capital ratio | 13.7426% | 4,271 |
| Total risk-based capital ratio | 14.3910% | 4,553 |
| Memoranda: | ||
| Average total assets | $12,866,600 | 6,480 |
| Average earning assets | $11,328,400 | 6,466 |
| Average equity | $1,509,000 | 6,460 |
| Average total loans | $10,776,200 | 6,297 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 2,049 |
| Cost of funding earning assets | 0.2336% | 5,564 |
| Net interest margin | 4.2170% | 1,235 |
| Noninterest income to average assets | 2.0639% | 327 |
| Noninterest expense to average assets | 5.7832% | 199 |
| Loan and lease loss provision to assets | 0.0430% | 3,539 |
| Net operating income to assets | -0.0752% | 6,202 |
| Return on assets (ROA) | -0.0752% | 6,204 |
| Pretax return on assets | -0.0752% | 6,184 |
| Return on Equity (ROE) | -0.6405% | 6,203 |
| Retained earnings to average equity (ytd only) | -0.6405% | 5,898 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5607% | 349 |
| Assets per employee ($millions) | 2.4140% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4313% | 6,386 |
| 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 | 86.0743% | 193 |
| Net loans and leases to deposits | 103.1353% | 447 |
| Net loans and leases to core deposits | 111.9422% | 665 |
| Total domestic deposits to total assets | 83.4576% | 3,970 |
| Equity capital to assets | 11.8821% | 2,171 |
| Core capital (leverage) ratio | 11.0012% | 2,479 |
| Tier 1 risk-based capital ratio | 14.8332% | 3,689 |
| Total risk-based capital ratio | 15.4050% | 4,035 |
| Memoranda: | ||
| Average total assets | $12,403,500 | 6,560 |
| Average earning assets | $10,844,750 | 6,548 |
| Average equity | $1,456,750 | 6,543 |
| Average total loans | $10,157,000 | 6,382 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 2,346 |
| Cost of funding earning assets | 0.2377% | 5,607 |
| Net interest margin | 4.1209% | 1,448 |
| Noninterest income to average assets | 1.3493% | 657 |
| Noninterest expense to average assets | 6.0461% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.1443% | 6,544 |
| Return on assets (ROA) | -1.1443% | 6,544 |
| Pretax return on assets | -1.1443% | 6,530 |
| Return on Equity (ROE) | -9.7905% | 6,512 |
| Retained earnings to average equity (ytd only) | -9.7905% | 6,414 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3449% | 128 |
| Assets per employee ($millions) | 2.4088% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4780% | 6,437 |
| 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 | 86.4331% | 157 |
| Net loans and leases to deposits | 106.4417% | 287 |
| Net loans and leases to core deposits | 112.7844% | 576 |
| Total domestic deposits to total assets | 81.2023% | 4,917 |
| Equity capital to assets | 13.1684% | 1,282 |
| Core capital (leverage) ratio | 11.6307% | 1,897 |
| Tier 1 risk-based capital ratio | 15.9768% | 3,097 |
| Total risk-based capital ratio | 16.6078% | 3,384 |
| Memoranda: | ||
| Average total assets | $11,710,000 | 6,632 |
| Average earning assets | $10,095,000 | 6,619 |
| Average equity | $1,368,670 | 6,616 |
| Average total loans | $9,369,000 | 6,467 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 2,373 |
| Cost of funding earning assets | 0.2046% | 5,952 |
| Net interest margin | 4.1334% | 1,381 |
| Noninterest income to average assets | 1.3861% | 605 |
| Noninterest expense to average assets | 6.1336% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2475% | 6,611 |
| Return on assets (ROA) | -1.2475% | 6,606 |
| Pretax return on assets | -1.2475% | 6,596 |
| Return on Equity (ROE) | -11.4286% | 6,579 |
| Retained earnings to average equity (ytd only) | -11.4286% | 6,401 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5319% | 147 |
| Assets per employee ($millions) | 1.9062% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 6,439 |
| 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 | 75.7804% | 1,027 |
| Net loans and leases to deposits | 91.0686% | 1,032 |
| Net loans and leases to core deposits | 96.6544% | 1,336 |
| Total domestic deposits to total assets | 83.2124% | 4,530 |
| Equity capital to assets | 10.8595% | 2,867 |
| Core capital (leverage) ratio | 8.3560% | 5,795 |
| Tier 1 risk-based capital ratio | 13.3498% | 4,798 |
| Total risk-based capital ratio | 14.0745% | 5,052 |
| Memoranda: | ||
| Average total assets | $11,543,000 | 6,707 |
| Average earning assets | $9,774,000 | 6,693 |
| Average equity | $1,260,000 | 6,690 |
| Average total loans | $8,823,500 | 6,552 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 1,978 |
| Cost of funding earning assets | 0.1920% | 6,325 |
| Net interest margin | 4.3731% | 953 |
| Noninterest income to average assets | 2.3364% | 312 |
| Noninterest expense to average assets | 6.2062% | 182 |
| Loan and lease loss provision to assets | 0.0451% | 4,220 |
| Net operating income to assets | -0.2165% | 6,373 |
| Return on assets (ROA) | -0.2165% | 6,384 |
| Pretax return on assets | -0.2165% | 6,363 |
| Return on Equity (ROE) | -1.9299% | 6,375 |
| Retained earnings to average equity (ytd only) | -1.9299% | 6,165 |
| Net charge-offs to loans | 0.0120% | 5,211 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | -19.0000% | 5,445 |
| Efficiency ratio | 102.8401% | 405 |
| Assets per employee ($millions) | 1.9415% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5599% | 6,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 76.2297% | 1,039 |
| Net loans and leases to deposits | 91.6125% | 1,099 |
| Net loans and leases to core deposits | 97.1235% | 1,376 |
| Total domestic deposits to total assets | 83.2089% | 4,468 |
| Equity capital to assets | 10.9709% | 2,635 |
| Core capital (leverage) ratio | 8.4155% | 5,758 |
| Tier 1 risk-based capital ratio | 11.5654% | 5,872 |
| Total risk-based capital ratio | 12.1703% | 6,156 |
| Memoranda: | ||
| Average total assets | $11,085,600 | 6,790 |
| Average earning assets | $9,375,600 | 6,780 |
| Average equity | $1,243,600 | 6,784 |
| Average total loans | $8,309,000 | 6,638 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,598 |
| Cost of funding earning assets | 0.1737% | 6,530 |
| Net interest margin | 4.2262% | 1,260 |
| Noninterest income to average assets | 2.6557% | 270 |
| Noninterest expense to average assets | 6.1885% | 184 |
| Loan and lease loss provision to assets | 0.0609% | 3,827 |
| Net operating income to assets | -0.0365% | 6,332 |
| Return on assets (ROA) | -0.0365% | 6,370 |
| Pretax return on assets | -0.0365% | 6,348 |
| Return on Equity (ROE) | -0.3239% | 6,371 |
| Retained earnings to average equity (ytd only) | -0.3239% | 6,007 |
| Net charge-offs to loans | 0.0163% | 4,800 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 2.0075% | 4,157 |
| Efficiency ratio | 99.6078% | 477 |
| Assets per employee ($millions) | 1.6309% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5256% | 6,635 |
| 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 | 82.8924% | 300 |
| Net loans and leases to deposits | 105.8620% | 243 |
| Net loans and leases to core deposits | 105.8620% | 767 |
| Total domestic deposits to total assets | 78.3024% | 5,857 |
| Equity capital to assets | 11.3788% | 2,401 |
| Core capital (leverage) ratio | 9.1858% | 4,855 |
| Tier 1 risk-based capital ratio | 11.4901% | 6,065 |
| Total risk-based capital ratio | 12.0781% | 6,319 |
| Memoranda: | ||
| Average total assets | $10,944,750 | 6,869 |
| Average earning assets | $9,212,000 | 6,860 |
| Average equity | $1,235,000 | 6,863 |
| Average total loans | $8,153,750 | 6,716 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 3,499 |
| Cost of funding earning assets | 0.1770% | 6,587 |
| Net interest margin | 3.9836% | 1,921 |
| Noninterest income to average assets | 3.1332% | 239 |
| Noninterest expense to average assets | 6.1181% | 198 |
| Loan and lease loss provision to assets | 0.0556% | 3,890 |
| Net operating income to assets | 0.2966% | 5,613 |
| Return on assets (ROA) | 0.2966% | 5,762 |
| Pretax return on assets | 0.2966% | 5,884 |
| Return on Equity (ROE) | 2.6366% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.6366% | 4,629 |
| Net charge-offs to loans | 0.0260% | 4,334 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,524 |
| Efficiency ratio | 94.5559% | 736 |
| Assets per employee ($millions) | 1.8875% | 6,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 6,661 |
| 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 | 76.0000% | 987 |
| Net loans and leases to deposits | 85.9068% | 1,584 |
| Net loans and leases to core deposits | 85.9068% | 2,341 |
| Total domestic deposits to total assets | 88.4680% | 1,937 |
| Equity capital to assets | 10.7550% | 2,993 |
| Core capital (leverage) ratio | 8.6420% | 5,495 |
| Tier 1 risk-based capital ratio | 11.9546% | 5,815 |
| Total risk-based capital ratio | 12.5951% | 6,145 |
| Memoranda: | ||
| Average total assets | $10,787,670 | 6,919 |
| Average earning assets | $9,037,000 | 6,910 |
| Average equity | $1,213,670 | 6,911 |
| Average total loans | $7,700,670 | 6,780 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,848 |
| Cost of funding earning assets | 0.1855% | 6,644 |
| Net interest margin | 4.1263% | 1,387 |
| Noninterest income to average assets | 3.1942% | 236 |
| Noninterest expense to average assets | 5.8180% | 230 |
| Loan and lease loss provision to assets | 0.0380% | 3,955 |
| Net operating income to assets | 0.7225% | 3,577 |
| Return on assets (ROA) | 0.7225% | 3,715 |
| Pretax return on assets | 0.7225% | 4,477 |
| Return on Equity (ROE) | 6.2732% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.2732% | 2,523 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4393% | 1,280 |
| Assets per employee ($millions) | 1.7453% | 6,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 6,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 69.6524% | 1,722 |
| Net loans and leases to deposits | 79.6114% | 2,131 |
| Net loans and leases to core deposits | 79.6114% | 2,853 |
| Total domestic deposits to total assets | 87.4905% | 2,634 |
| Equity capital to assets | 11.6597% | 2,285 |
| Core capital (leverage) ratio | 9.2855% | 4,425 |
| Tier 1 risk-based capital ratio | 12.0521% | 5,885 |
| Total risk-based capital ratio | 12.6829% | 6,193 |
| Memoranda: | ||
| Average total assets | $10,519,000 | 6,998 |
| Average earning assets | $8,627,500 | 6,989 |
| Average equity | $1,211,500 | 6,980 |
| Average total loans | $7,223,500 | 6,869 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0146% | 6,764 |
| Cost of funding earning assets | 0.1422% | 6,939 |
| Net interest margin | 2.8724% | 6,277 |
| Noninterest income to average assets | 1.7873% | 518 |
| Noninterest expense to average assets | 4.0505% | 919 |
| Loan and lease loss provision to assets | 0.5339% | 1,083 |
| Net operating income to assets | -0.4526% | 6,544 |
| Return on assets (ROA) | -0.4526% | 6,587 |
| Pretax return on assets | -0.4526% | 6,552 |
| Return on Equity (ROE) | -3.7264% | 6,535 |
| Retained earnings to average equity (ytd only) | -3.7264% | 6,335 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0337% | 631 |
| Assets per employee ($millions) | 1.7610% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 6,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 66.8276% | 2,398 |
| Net loans and leases to deposits | 76.1458% | 2,780 |
| Net loans and leases to core deposits | 76.1458% | 3,514 |
| Total domestic deposits to total assets | 87.7626% | 2,370 |
| Equity capital to assets | 11.3761% | 2,561 |
| Core capital (leverage) ratio | 9.3730% | 4,292 |
| Tier 1 risk-based capital ratio | 12.8302% | 5,231 |
| Total risk-based capital ratio | 13.4871% | 5,593 |
| Memoranda: | ||
| Average total assets | $8,616,200 | 7,076 |
| Average earning assets | $7,032,400 | 7,067 |
| Average equity | $1,046,600 | 7,061 |
| Average total loans | $4,964,600 | 7,005 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4895% | 7,050 |
| Cost of funding earning assets | 0.1214% | 7,086 |
| Net interest margin | 2.3680% | 6,914 |
| Noninterest income to average assets | 0.8529% | 2,016 |
| Noninterest expense to average assets | 2.7555% | 4,154 |
| Loan and lease loss provision to assets | 0.6233% | 857 |
| Net operating income to assets | -0.6069% | 6,743 |
| Return on assets (ROA) | -0.6069% | 6,766 |
| Pretax return on assets | -0.6069% | 6,745 |
| Return on Equity (ROE) | -4.8951% | 6,711 |
| Retained earnings to average equity (ytd only) | -4.8951% | 6,607 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4083% | 558 |
| Assets per employee ($millions) | 1.4463% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 6,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 70.9841% | 1,727 |
| Net loans and leases to deposits | 83.2545% | 1,965 |
| Net loans and leases to core deposits | 83.2545% | 2,783 |
| Total domestic deposits to total assets | 85.2616% | 3,635 |
| Equity capital to assets | 13.8742% | 1,206 |
| Core capital (leverage) ratio | 10.2036% | 3,279 |
| Tier 1 risk-based capital ratio | 17.1729% | 2,662 |
| Total risk-based capital ratio | 17.9128% | 2,878 |
| Memoranda: | ||
| Average total assets | $8,128,750 | 7,174 |
| Average earning assets | $6,587,750 | 7,163 |
| Average equity | $1,007,750 | 7,159 |
| Average total loans | $4,429,250 | 7,109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1844% | 7,218 |
| Cost of funding earning assets | 0.0623% | 7,200 |
| Net interest margin | 1.1220% | 7,203 |
| Noninterest income to average assets | 0.2517% | 5,778 |
| Noninterest expense to average assets | 1.2334% | 7,133 |
| Loan and lease loss provision to assets | 0.4027% | 1,629 |
| Net operating income to assets | -0.4782% | 6,723 |
| Return on assets (ROA) | -0.4782% | 6,764 |
| Pretax return on assets | -0.4782% | 6,737 |
| Return on Equity (ROE) | -4.0326% | 6,725 |
| Retained earnings to average equity (ytd only) | -4.0326% | 6,550 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5217% | 383 |
| Assets per employee ($millions) | 1.8112% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 7,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.0318% | 5,093 |
| Net loans and leases to deposits | 60.7295% | 5,168 |
| Net loans and leases to core deposits | 60.7295% | 5,515 |
| Total domestic deposits to total assets | 85.6780% | 3,520 |
| Equity capital to assets | 13.4938% | 1,307 |
| Core capital (leverage) ratio | 11.8843% | 1,663 |
| Tier 1 risk-based capital ratio | 18.8009% | 2,029 |
| Total risk-based capital ratio | 19.1352% | 2,298 |
| Memoranda: | ||
| Average total assets | $7,945,670 | 7,238 |
| Average earning assets | $6,417,000 | 7,225 |
| Average equity | $942,330 | 7,220 |
| Average total loans | $3,839,670 | 7,176 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 6,264 |
| Cost of funding earning assets | 0.2807% | 6,903 |
| Net interest margin | 3.5091% | 4,649 |
| Noninterest income to average assets | 0.8119% | 2,109 |
| Noninterest expense to average assets | 3.2474% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2706% | 5,744 |
| Return on assets (ROA) | 0.2706% | 5,909 |
| Pretax return on assets | 0.2706% | 6,037 |
| Return on Equity (ROE) | 2.4922% | 5,908 |
| Retained earnings to average equity (ytd only) | 2.4922% | 5,012 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3077% | 928 |
| Assets per employee ($millions) | 2.5537% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 41.0260% | 6,262 |
| Net loans and leases to deposits | 45.8497% | 6,441 |
| Net loans and leases to core deposits | 45.8497% | 6,578 |
| Total domestic deposits to total assets | 89.4792% | 1,383 |
| Equity capital to assets | 10.5078% | 3,482 |
| Core capital (leverage) ratio | 10.5505% | 2,693 |
| Tier 1 risk-based capital ratio | 17.1386% | 2,631 |
| Total risk-based capital ratio | 17.8199% | 2,838 |
| Memoranda: | ||
| Average total assets | $7,390,500 | 7,301 |
| Average earning assets | $5,699,500 | 7,289 |
| Average equity | $802,500 | 7,291 |
| Average total loans | $3,395,500 | 7,247 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 5,728 |
| Cost of funding earning assets | 0.2828% | 7,132 |
| Net interest margin | 4.0294% | 2,734 |
| Noninterest income to average assets | 0.8683% | 1,778 |
| Noninterest expense to average assets | 3.9636% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0980% | 5,867 |
| Return on assets (ROA) | 0.0980% | 5,985 |
| Pretax return on assets | 0.0980% | 5,970 |
| Return on Equity (ROE) | 0.8850% | 5,987 |
| Retained earnings to average equity (ytd only) | 0.8850% | 5,447 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5862% | 746 |
| Assets per employee ($millions) | 2.3733% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 50.3371% | 5,544 |
| Net loans and leases to deposits | 56.7178% | 5,822 |
| Net loans and leases to core deposits | 56.7178% | 6,106 |
| Total domestic deposits to total assets | 88.7500% | 1,686 |
| Equity capital to assets | 11.2360% | 2,753 |
| Core capital (leverage) ratio | 11.4237% | 1,949 |
| Tier 1 risk-based capital ratio | 20.5128% | 1,523 |
| Total risk-based capital ratio | 21.3333% | 1,590 |
| Memoranda: | ||
| Average total assets | $7,140,000 | 7,350 |
| Average earning assets | $5,658,400 | 7,340 |
| Average equity | $791,000 | 7,345 |
| Average total loans | $3,622,000 | 7,291 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 6,086 |
| Cost of funding earning assets | 0.2817% | 7,239 |
| Net interest margin | 3.9667% | 3,066 |
| Noninterest income to average assets | 0.9143% | 1,599 |
| Noninterest expense to average assets | 4.0680% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0000% | 6,154 |
| Return on assets (ROA) | 0.0000% | 6,254 |
| Pretax return on assets | 0.0000% | 6,230 |
| Return on Equity (ROE) | 0.0000% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,951 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 658 |
| Assets per employee ($millions) | 2.4780% | 6,917 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 6,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 52.9594% | 5,329 |
| Net loans and leases to deposits | 59.4174% | 5,703 |
| Net loans and leases to core deposits | 59.4174% | 6,031 |
| Total domestic deposits to total assets | 89.1310% | 1,352 |
| Equity capital to assets | 10.6672% | 3,496 |
| Core capital (leverage) ratio | 12.2207% | 1,582 |
| Tier 1 risk-based capital ratio | 20.2399% | 1,630 |
| Total risk-based capital ratio | 21.0567% | 1,706 |
| Memoranda: | ||
| Average total assets | $7,145,000 | 7,428 |
| Average earning assets | $5,680,500 | 7,419 |
| Average equity | $788,750 | 7,422 |
| Average total loans | $3,623,500 | 7,365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 6,778 |
| Cost of funding earning assets | 0.2727% | 7,343 |
| Net interest margin | 3.6479% | 4,530 |
| Noninterest income to average assets | 0.9363% | 1,505 |
| Noninterest expense to average assets | 4.2277% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2554% | 6,520 |
| Return on assets (ROA) | -0.2554% | 6,554 |
| Pretax return on assets | -0.2554% | 6,501 |
| Return on Equity (ROE) | -2.2862% | 6,540 |
| Retained earnings to average equity (ytd only) | -2.2862% | 6,290 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4286% | 549 |
| Assets per employee ($millions) | 2.1600% | 7,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 58.1173% | 4,604 |
| Net loans and leases to deposits | 66.2795% | 4,957 |
| Net loans and leases to core deposits | 66.2795% | 5,481 |
| Total domestic deposits to total assets | 87.6852% | 2,351 |
| Equity capital to assets | 12.0988% | 2,028 |
| Core capital (leverage) ratio | 11.0423% | 2,211 |
| Tier 1 risk-based capital ratio | 19.7930% | 1,653 |
| Total risk-based capital ratio | 20.6009% | 1,723 |
| Memoranda: | ||
| Average total assets | $7,048,670 | 7,504 |
| Average earning assets | $5,866,330 | 7,493 |
| Average equity | $787,330 | 7,498 |
| Average total loans | $3,508,330 | 7,444 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 7,009 |
| Cost of funding earning assets | 0.2634% | 7,423 |
| Net interest margin | 3.4906% | 5,054 |
| Noninterest income to average assets | 0.9273% | 1,555 |
| Noninterest expense to average assets | 4.2547% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4364% | 6,766 |
| Return on assets (ROA) | -0.4364% | 6,776 |
| Pretax return on assets | -0.4364% | 6,721 |
| Return on Equity (ROE) | -4.0558% | 6,743 |
| Retained earnings to average equity (ytd only) | -4.0558% | 6,421 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4286% | 471 |
| Assets per employee ($millions) | 2.4357% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 6,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.1249% | 6,698 |
| Net loans and leases to deposits | 46.1739% | 6,833 |
| Net loans and leases to core deposits | 46.1739% | 6,964 |
| Total domestic deposits to total assets | 89.0653% | 1,731 |
| Equity capital to assets | 10.7431% | 2,937 |
| Core capital (leverage) ratio | 10.8276% | 2,336 |
| Tier 1 risk-based capital ratio | 18.6372% | 1,913 |
| Total risk-based capital ratio | 19.3970% | 2,037 |
| Memoranda: | ||
| Average total assets | $7,333,000 | 7,563 |
| Average earning assets | $6,073,500 | 7,552 |
| Average equity | $789,000 | 7,555 |
| Average total loans | $3,363,500 | 7,504 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 5,524 |
| Cost of funding earning assets | 0.6156% | 7,093 |
| Net interest margin | 4.1554% | 2,346 |
| Noninterest income to average assets | 1.0119% | 1,468 |
| Noninterest expense to average assets | 4.3387% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0416% | 5,724 |
| Return on assets (ROA) | 0.0416% | 5,863 |
| Pretax return on assets | 0.0416% | 5,810 |
| Return on Equity (ROE) | 0.3801% | 5,859 |
| Retained earnings to average equity (ytd only) | 0.3801% | 5,389 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0506% | 818 |
| Assets per employee ($millions) | 2.4530% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 6,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.7078% | 6,192 |
| Net loans and leases to deposits | 55.8303% | 6,461 |
| Net loans and leases to core deposits | 55.8303% | 6,699 |
| Total domestic deposits to total assets | 89.0338% | 1,643 |
| Equity capital to assets | 10.7759% | 2,877 |
| Core capital (leverage) ratio | 10.5452% | 2,514 |
| Tier 1 risk-based capital ratio | 18.9035% | 1,743 |
| Total risk-based capital ratio | 19.6663% | 1,833 |
| Memoranda: | ||
| Average total assets | $7,214,200 | 7,645 |
| Average earning assets | $5,847,800 | 7,637 |
| Average equity | $789,200 | 7,650 |
| Average total loans | $3,771,600 | 7,582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8090% | 5,619 |
| Cost of funding earning assets | 0.6642% | 7,142 |
| Net interest margin | 4.1450% | 2,428 |
| Noninterest income to average assets | 0.9288% | 1,696 |
| Noninterest expense to average assets | 4.0678% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2229% | 5,439 |
| Return on assets (ROA) | 0.2229% | 5,600 |
| Pretax return on assets | 0.2229% | 5,674 |
| Return on Equity (ROE) | 2.0298% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.0298% | 4,944 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8052% | 955 |
| Assets per employee ($millions) | 2.4313% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 7,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.4968% | 5,776 |
| Net loans and leases to deposits | 61.4279% | 6,174 |
| Net loans and leases to core deposits | 61.4279% | 6,504 |
| Total domestic deposits to total assets | 88.7168% | 1,552 |
| Equity capital to assets | 10.9953% | 2,965 |
| Core capital (leverage) ratio | 11.5362% | 1,920 |
| Tier 1 risk-based capital ratio | 19.3626% | 1,671 |
| Total risk-based capital ratio | 20.1352% | 1,742 |
| Memoranda: | ||
| Average total assets | $7,178,000 | 7,748 |
| Average earning assets | $5,822,250 | 7,740 |
| Average equity | $788,250 | 7,751 |
| Average total loans | $3,792,000 | 7,681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 6,299 |
| Cost of funding earning assets | 0.6946% | 7,207 |
| Net interest margin | 3.9590% | 3,209 |
| Noninterest income to average assets | 0.8964% | 1,701 |
| Noninterest expense to average assets | 4.4542% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.3642% | 6,532 |
| Return on assets (ROA) | -0.3642% | 6,573 |
| Pretax return on assets | -0.3642% | 6,485 |
| Return on Equity (ROE) | -3.3177% | 6,546 |
| Retained earnings to average equity (ytd only) | -3.3177% | 6,340 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9041% | 569 |
| Assets per employee ($millions) | 2.3407% | 7,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 7,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 57.1062% | 5,545 |
| Net loans and leases to deposits | 64.4073% | 5,985 |
| Net loans and leases to core deposits | 64.4073% | 6,367 |
| Total domestic deposits to total assets | 88.6642% | 1,633 |
| Equity capital to assets | 11.0652% | 2,794 |
| Core capital (leverage) ratio | 11.0025% | 2,244 |
| Tier 1 risk-based capital ratio | 18.8272% | 1,759 |
| Total risk-based capital ratio | 19.6026% | 1,840 |
| Memoranda: | ||
| Average total assets | $7,139,330 | 7,816 |
| Average earning assets | $5,759,000 | 7,809 |
| Average equity | $783,670 | 7,819 |
| Average total loans | $3,720,330 | 7,752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 6,772 |
| Cost of funding earning assets | 0.7633% | 7,194 |
| Net interest margin | 3.7471% | 4,022 |
| Noninterest income to average assets | 0.9447% | 1,468 |
| Noninterest expense to average assets | 4.2234% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2779% | 6,638 |
| Return on assets (ROA) | -0.2779% | 6,697 |
| Pretax return on assets | -0.2779% | 6,614 |
| Return on Equity (ROE) | -2.5413% | 6,700 |
| Retained earnings to average equity (ytd only) | -2.5413% | 6,299 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0423% | 655 |
| Assets per employee ($millions) | 2.4267% | 7,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.0275% | 6,902 |
| Net loans and leases to deposits | 50.6020% | 7,100 |
| Net loans and leases to core deposits | 50.6020% | 7,261 |
| Total domestic deposits to total assets | 88.9835% | 1,528 |
| Equity capital to assets | 10.7830% | 2,968 |
| Core capital (leverage) ratio | 11.4431% | 1,946 |
| Tier 1 risk-based capital ratio | 18.7844% | 1,775 |
| Total risk-based capital ratio | 19.5501% | 1,841 |
| Memoranda: | ||
| Average total assets | $7,198,000 | 7,918 |
| Average earning assets | $5,764,500 | 7,912 |
| Average equity | $787,000 | 7,911 |
| Average total loans | $3,559,500 | 7,856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 4,176 |
| Cost of funding earning assets | 0.8108% | 7,540 |
| Net interest margin | 4.6828% | 864 |
| Noninterest income to average assets | 1.0448% | 1,423 |
| Noninterest expense to average assets | 4.8251% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0412% | 5,358 |
| Return on assets (ROA) | 0.0412% | 5,414 |
| Pretax return on assets | 0.1100% | 5,199 |
| Return on Equity (ROE) | 0.3796% | 5,418 |
| Retained earnings to average equity (ytd only) | 0.3796% | 4,695 |
| Net charge-offs to loans | 0.1042% | 6,101 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,222 |
| Efficiency ratio | 97.7716% | 1,224 |
| Assets per employee ($millions) | 2.3720% | 7,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 7,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.0776% | 6,304 |
| Net loans and leases to deposits | 59.8574% | 6,641 |
| Net loans and leases to core deposits | 59.8574% | 7,267 |
| Total domestic deposits to total assets | 88.6734% | 1,643 |
| Equity capital to assets | 11.0877% | 2,637 |
| Core capital (leverage) ratio | 11.1583% | 2,138 |
| Tier 1 risk-based capital ratio | 20.8179% | 1,322 |
| Total risk-based capital ratio | 21.6623% | 1,354 |
| Memoranda: | ||
| Average total assets | $7,274,400 | 7,997 |
| Average earning assets | $6,043,400 | 7,991 |
| Average equity | $790,400 | 7,997 |
| Average total loans | $3,839,800 | 7,923 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5959% | 3,888 |
| Cost of funding earning assets | 0.8340% | 7,648 |
| Net interest margin | 4.7620% | 735 |
| Noninterest income to average assets | 1.0208% | 1,530 |
| Noninterest expense to average assets | 4.7944% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1823% | 5,216 |
| Return on assets (ROA) | 0.1823% | 5,283 |
| Pretax return on assets | 0.1823% | 5,334 |
| Return on Equity (ROE) | 1.6857% | 5,270 |
| Retained earnings to average equity (ytd only) | 1.6857% | 4,365 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3370% | 1,257 |
| Assets per employee ($millions) | 2.2817% | 7,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 6,779 |
| Loan loss allowance to noncurrent loans | 900.0000% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 7,410 |
| Noncurrent loans to loans | 0.0994% | 7,232 |
| Net loans and leases to total assets | 58.2907% | 5,844 |
| Net loans and leases to deposits | 66.1911% | 6,292 |
| Net loans and leases to core deposits | 66.1911% | 7,154 |
| Total domestic deposits to total assets | 88.0643% | 1,625 |
| Equity capital to assets | 11.6581% | 2,465 |
| Core capital (leverage) ratio | 11.5518% | 2,045 |
| Tier 1 risk-based capital ratio | 22.9244% | 1,122 |
| Total risk-based capital ratio | 23.9586% | 1,120 |
| Memoranda: | ||
| Average total assets | $7,314,000 | 8,083 |
| Average earning assets | $6,075,750 | 8,075 |
| Average equity | $790,750 | 8,081 |
| Average total loans | $3,847,500 | 8,002 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3044% | 5,639 |
| Cost of funding earning assets | 0.8308% | 7,783 |
| Net interest margin | 4.4736% | 1,233 |
| Noninterest income to average assets | 0.9906% | 1,627 |
| Noninterest expense to average assets | 4.7655% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0268% | 5,892 |
| Return on assets (ROA) | -0.0268% | 5,957 |
| Pretax return on assets | -0.0268% | 5,900 |
| Return on Equity (ROE) | -0.2537% | 5,960 |
| Retained earnings to average equity (ytd only) | -0.2537% | 5,287 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5650% | 1,148 |
| Assets per employee ($millions) | 2.3670% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.9361% | 6,462 |
| Net loans and leases to deposits | 60.8323% | 6,827 |
| Net loans and leases to core deposits | 60.8323% | 7,421 |
| Total domestic deposits to total assets | 88.6636% | 1,453 |
| Equity capital to assets | 11.0689% | 2,857 |
| Core capital (leverage) ratio | 10.5816% | 2,743 |
| Tier 1 risk-based capital ratio | 22.1035% | 1,239 |
| Total risk-based capital ratio | 23.1159% | 1,246 |
| Memoranda: | ||
| Average total assets | $7,470,330 | 8,177 |
| Average earning assets | $6,259,000 | 8,167 |
| Average equity | $788,330 | 8,174 |
| Average total loans | $3,788,000 | 8,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2436% | 6,138 |
| Cost of funding earning assets | 0.8845% | 7,832 |
| Net interest margin | 4.3592% | 1,444 |
| Noninterest income to average assets | 1.0451% | 1,364 |
| Noninterest expense to average assets | 4.6506% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0000% | 6,252 |
| Return on assets (ROA) | 0.0000% | 6,399 |
| Pretax return on assets | 0.0000% | 6,374 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 1,127 |
| Assets per employee ($millions) | 2.4610% | 7,355 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 5,868 |
| Loan loss allowance to noncurrent loans | 276.9231% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 7,009 |
| Noncurrent loans to loans | 0.3755% | 6,479 |
| Net loans and leases to total assets | 46.4039% | 7,164 |
| Net loans and leases to deposits | 52.1065% | 7,396 |
| Net loans and leases to core deposits | 52.9112% | 7,701 |
| Total domestic deposits to total assets | 89.0559% | 1,206 |
| Equity capital to assets | 10.6732% | 3,311 |
| Core capital (leverage) ratio | 10.3494% | 3,069 |
| Tier 1 risk-based capital ratio | 21.4247% | 1,384 |
| Total risk-based capital ratio | 22.4035% | 1,394 |
| Memoranda: | ||
| Average total assets | $7,655,000 | 8,226 |
| Average earning assets | $6,331,500 | 8,215 |
| Average equity | $789,500 | 8,226 |
| Average total loans | $3,749,000 | 8,149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4249% | 3,298 |
| Cost of funding earning assets | 1.3287% | 7,815 |
| Net interest margin | 5.0962% | 412 |
| Noninterest income to average assets | 1.1160% | 1,255 |
| Noninterest expense to average assets | 4.9211% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2689% | 5,648 |
| Return on assets (ROA) | 0.2689% | 5,470 |
| Pretax return on assets | 0.2689% | 5,581 |
| Return on Equity (ROE) | 2.5608% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.5608% | 3,601 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8187% | 1,232 |
| Assets per employee ($millions) | 2.6423% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 6,720 |
| Loan loss allowance to noncurrent loans | 720.0000% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 7,311 |
| Noncurrent loans to loans | 0.1239% | 7,041 |
| Net loans and leases to total assets | 50.4605% | 6,986 |
| Net loans and leases to deposits | 56.2114% | 7,304 |
| Net loans and leases to core deposits | 58.7717% | 7,641 |
| Total domestic deposits to total assets | 89.7691% | 734 |
| Equity capital to assets | 9.9786% | 4,065 |
| Core capital (leverage) ratio | 10.1259% | 3,340 |
| Tier 1 risk-based capital ratio | 17.5267% | 2,173 |
| Total risk-based capital ratio | 18.3274% | 2,238 |
| Memoranda: | ||
| Average total assets | $7,437,400 | 8,281 |
| Average earning assets | $5,945,600 | 8,278 |
| Average equity | $781,000 | 8,289 |
| Average total loans | $3,924,000 | 8,196 |