Home > Anchor State Bank > Performance and Condition Ratios
Anchor State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 2,024 |
| Cost of funding earning assets | 1.4547% | 2,063 |
| Net interest margin | 3.5727% | 2,023 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 3.1390% | 900 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.3236% | 3,993 |
| Return on assets (ROA) | 0.3236% | 3,993 |
| Pretax return on assets | 0.3960% | 3,972 |
| Return on Equity (ROE) | 2.6400% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.6354% | 3,399 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.7520% | 574 |
| Assets per employee ($millions) | 5.2638% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,133 |
| 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 | 61.4900% | 2,716 |
| Net loans and leases to deposits | 71.9568% | 2,755 |
| Net loans and leases to core deposits | 82.9967% | 2,524 |
| Total domestic deposits to total assets | 85.4600% | 2,172 |
| Equity capital to assets | 14.0415% | 675 |
| Core capital (leverage) ratio | 14.9221% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3992% | 848 |
| Memoranda: | ||
| Average total assets | $41,414,000 | 4,385 |
| Average earning assets | $38,290,200 | 4,356 |
| Average equity | $5,084,600 | 4,253 |
| Average total loans | $25,755,000 | 4,206 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 1,787 |
| Cost of funding earning assets | 1.2455% | 2,291 |
| Net interest margin | 3.7763% | 1,648 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.2895% | 733 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.3573% | 4,033 |
| Return on assets (ROA) | 0.3573% | 4,039 |
| Pretax return on assets | 0.4943% | 3,911 |
| Return on Equity (ROE) | 3.0400% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.0401% | 3,495 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.7585% | 628 |
| Assets per employee ($millions) | 5.8196% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7015% | 4,137 |
| 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 | 67.7600% | 2,073 |
| Net loans and leases to deposits | 79.3173% | 2,113 |
| Net loans and leases to core deposits | 97.8137% | 1,455 |
| Total domestic deposits to total assets | 85.4300% | 2,376 |
| Equity capital to assets | 11.5988% | 1,152 |
| Core capital (leverage) ratio | 11.5798% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0255% | 1,885 |
| Memoranda: | ||
| Average total assets | $39,924,000 | 4,410 |
| Average earning assets | $36,825,250 | 4,388 |
| Average equity | $4,692,750 | 4,299 |
| Average total loans | $24,860,000 | 4,232 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 2,332 |
| Cost of funding earning assets | 1.1409% | 2,166 |
| Net interest margin | 3.4990% | 2,267 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.1170% | 889 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.2219% | 4,254 |
| Return on assets (ROA) | 0.2219% | 4,277 |
| Pretax return on assets | 0.3077% | 4,226 |
| Return on Equity (ROE) | 1.8800% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.8795% | 3,748 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.4356% | 372 |
| Assets per employee ($millions) | 6.0426% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 4,232 |
| Loan loss allowance to noncurrent loans | 268.8525% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 2,541 |
| Noncurrent loans to loans | 0.2470% | 2,271 |
| Net loans and leases to total assets | 57.9900% | 2,961 |
| Net loans and leases to deposits | 65.6049% | 3,086 |
| Net loans and leases to core deposits | 80.2545% | 2,454 |
| Total domestic deposits to total assets | 88.3900% | 1,464 |
| Equity capital to assets | 11.2133% | 1,297 |
| Core capital (leverage) ratio | 11.5284% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7842% | 1,995 |
| Memoranda: | ||
| Average total assets | $39,653,000 | 4,433 |
| Average earning assets | $36,639,000 | 4,413 |
| Average equity | $4,682,000 | 4,325 |
| Average total loans | $23,880,333 | 4,268 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 2,516 |
| Cost of funding earning assets | 0.9737% | 2,138 |
| Net interest margin | 3.4418% | 2,522 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 3.2976% | 702 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.0730% | 4,443 |
| Return on assets (ROA) | 0.0730% | 4,423 |
| Pretax return on assets | 0.0939% | 4,409 |
| Return on Equity (ROE) | 0.6000% | 4,407 |
| Retained earnings to average equity (ytd only) | 0.6020% | 3,929 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.4683% | 227 |
| Assets per employee ($millions) | 5.7281% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 4,305 |
| 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 | 59.9100% | 2,657 |
| Net loans and leases to deposits | 68.1571% | 2,754 |
| Net loans and leases to core deposits | 86.1415% | 1,855 |
| Total domestic deposits to total assets | 87.9100% | 1,958 |
| Equity capital to assets | 11.8114% | 1,057 |
| Core capital (leverage) ratio | 12.2450% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9280% | 2,417 |
| Memoranda: | ||
| Average total assets | $38,330,500 | 4,517 |
| Average earning assets | $35,330,000 | 4,491 |
| Average equity | $4,651,500 | 4,384 |
| Average total loans | $23,474,000 | 4,336 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 2,467 |
| Cost of funding earning assets | 0.3266% | 2,666 |
| Net interest margin | 3.3997% | 2,259 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.1542% | 773 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.3281% | 4,344 |
| Return on assets (ROA) | 0.3343% | 4,301 |
| Pretax return on assets | 0.1548% | 4,467 |
| Return on Equity (ROE) | 2.3100% | 4,360 |
| Retained earnings to average equity (ytd only) | 2.3099% | 3,916 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 93.2296% | 237 |
| Assets per employee ($millions) | 6.0940% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,259 |
| 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 | 61.8500% | 2,456 |
| Net loans and leases to deposits | 70.8747% | 2,503 |
| Net loans and leases to core deposits | 86.1190% | 1,742 |
| Total domestic deposits to total assets | 87.2600% | 2,303 |
| Equity capital to assets | 12.4904% | 806 |
| Core capital (leverage) ratio | 13.4076% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9222% | 1,382 |
| Memoranda: | ||
| Average total assets | $32,306,200 | 4,592 |
| Average earning assets | $28,473,200 | 4,574 |
| Average equity | $4,675,600 | 4,462 |
| Average total loans | $20,233,400 | 4,414 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 2,222 |
| Cost of funding earning assets | 0.2642% | 2,556 |
| Net interest margin | 3.3755% | 2,054 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 3.2520% | 637 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.0356% | 4,576 |
| Return on assets (ROA) | 0.0427% | 4,544 |
| Pretax return on assets | 0.0512% | 4,539 |
| Return on Equity (ROE) | 0.2800% | 4,544 |
| Retained earnings to average equity (ytd only) | 0.2835% | 4,298 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7595% | 3,020 |
| Assets per employee ($millions) | 5.6288% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,271 |
| 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 | 61.4600% | 2,355 |
| Net loans and leases to deposits | 70.9631% | 2,292 |
| Net loans and leases to core deposits | 87.9193% | 1,418 |
| Total domestic deposits to total assets | 86.6000% | 2,886 |
| Equity capital to assets | 13.1732% | 652 |
| Core capital (leverage) ratio | 14.4403% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9065% | 1,195 |
| Memoranda: | ||
| Average total assets | $31,241,750 | 4,636 |
| Average earning assets | $27,254,500 | 4,618 |
| Average equity | $4,702,750 | 4,502 |
| Average total loans | $19,600,250 | 4,452 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 1,843 |
| Cost of funding earning assets | 0.2605% | 2,137 |
| Net interest margin | 3.3406% | 1,788 |
| Noninterest income to average assets | 0.5132% | 2,127 |
| Noninterest expense to average assets | 3.3423% | 516 |
| Loan and lease loss provision to assets | 0.0790% | 1,232 |
| Net operating income to assets | -0.0395% | 4,594 |
| Return on assets (ROA) | -0.0395% | 4,562 |
| Pretax return on assets | -0.0395% | 4,551 |
| Return on Equity (ROE) | -0.2507% | 4,557 |
| Retained earnings to average equity (ytd only) | -0.2507% | 4,210 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8327% | 206 |
| Assets per employee ($millions) | 5.1262% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7776% | 4,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.2488% | 2,609 |
| Net loans and leases to deposits | 67.5672% | 2,429 |
| Net loans and leases to core deposits | 86.0186% | 1,337 |
| Total domestic deposits to total assets | 84.7287% | 3,545 |
| Equity capital to assets | 15.0665% | 396 |
| Core capital (leverage) ratio | 16.3635% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7299% | 639 |
| Memoranda: | ||
| Average total assets | $30,398,000 | 4,677 |
| Average earning assets | $26,103,000 | 4,671 |
| Average equity | $4,787,333 | 4,542 |
| Average total loans | $19,167,000 | 4,518 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 2,694 |
| Cost of funding earning assets | 0.3023% | 1,637 |
| Net interest margin | 2.8960% | 2,855 |
| Noninterest income to average assets | 0.7148% | 1,268 |
| Noninterest expense to average assets | 3.4284% | 454 |
| Loan and lease loss provision to assets | 0.0794% | 1,036 |
| Net operating income to assets | -0.2780% | 4,659 |
| Return on assets (ROA) | -0.2780% | 4,646 |
| Pretax return on assets | -0.3839% | 4,659 |
| Return on Equity (ROE) | -1.7270% | 4,627 |
| Retained earnings to average equity (ytd only) | -1.7270% | 4,223 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7458% | 133 |
| Assets per employee ($millions) | 5.1748% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 4,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.1114% | 2,050 |
| Net loans and leases to deposits | 71.0658% | 1,863 |
| Net loans and leases to core deposits | 76.4260% | 1,750 |
| Total domestic deposits to total assets | 84.5857% | 3,637 |
| Equity capital to assets | 15.3306% | 363 |
| Core capital (leverage) ratio | 15.9754% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4225% | 404 |
| Memoranda: | ||
| Average total assets | $30,218,500 | 4,701 |
| Average earning assets | $25,138,500 | 4,704 |
| Average equity | $4,864,000 | 4,572 |
| Average total loans | $19,877,500 | 4,526 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 167 |
| Cost of funding earning assets | 0.3329% | 2,090 |
| Net interest margin | 4.9821% | 143 |
| Noninterest income to average assets | 0.0948% | 4,630 |
| Noninterest expense to average assets | 3.3682% | 572 |
| Loan and lease loss provision to assets | 0.0822% | 1,495 |
| Net operating income to assets | 0.6351% | 3,793 |
| Return on assets (ROA) | 0.6351% | 3,847 |
| Pretax return on assets | 0.9005% | 3,515 |
| Return on Equity (ROE) | 4.1271% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.1271% | 3,174 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4147% | 1,000 |
| Assets per employee ($millions) | 4.8980% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 4,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.8895% | 936 |
| Net loans and leases to deposits | 85.4582% | 826 |
| Net loans and leases to core deposits | 92.4432% | 852 |
| Total domestic deposits to total assets | 82.9522% | 3,820 |
| Equity capital to assets | 16.9049% | 303 |
| Core capital (leverage) ratio | 20.0258% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1124% | 641 |
| Memoranda: | ||
| Average total assets | $31,648,600 | 4,733 |
| Average earning assets | $27,036,800 | 4,730 |
| Average equity | $4,870,200 | 4,640 |
| Average total loans | $23,559,400 | 4,504 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 254 |
| Cost of funding earning assets | 0.3380% | 2,221 |
| Net interest margin | 4.7652% | 205 |
| Noninterest income to average assets | 0.0952% | 4,685 |
| Noninterest expense to average assets | 3.1125% | 804 |
| Loan and lease loss provision to assets | 0.0776% | 1,517 |
| Net operating income to assets | 0.6912% | 3,787 |
| Return on assets (ROA) | 0.6912% | 3,853 |
| Pretax return on assets | 0.9892% | 3,495 |
| Return on Equity (ROE) | 4.5950% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.5950% | 3,371 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4554% | 1,177 |
| Assets per employee ($millions) | 5.2438% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 4,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 80.1195% | 283 |
| Net loans and leases to deposits | 117.0995% | 47 |
| Net loans and leases to core deposits | 121.8425% | 171 |
| Total domestic deposits to total assets | 68.4200% | 4,771 |
| Equity capital to assets | 15.6946% | 451 |
| Core capital (leverage) ratio | 16.8913% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4446% | 505 |
| Memoranda: | ||
| Average total assets | $32,213,750 | 4,800 |
| Average earning assets | $27,616,000 | 4,800 |
| Average equity | $4,845,750 | 4,717 |
| Average total loans | $24,209,500 | 4,553 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 1,201 |
| Cost of funding earning assets | 0.3288% | 2,504 |
| Net interest margin | 3.8651% | 1,034 |
| Noninterest income to average assets | 0.0678% | 4,794 |
| Noninterest expense to average assets | 2.5998% | 1,853 |
| Loan and lease loss provision to assets | 0.0739% | 1,600 |
| Net operating income to assets | 0.4436% | 4,312 |
| Return on assets (ROA) | 0.4436% | 4,354 |
| Pretax return on assets | 0.6530% | 4,153 |
| Return on Equity (ROE) | 2.9907% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.9907% | 3,842 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1481% | 901 |
| Assets per employee ($millions) | 7.0800% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4138% | 4,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 76.1441% | 582 |
| Net loans and leases to deposits | 126.2470% | 42 |
| Net loans and leases to core deposits | 131.4109% | 120 |
| Total domestic deposits to total assets | 60.3136% | 4,869 |
| Equity capital to assets | 13.6808% | 787 |
| Core capital (leverage) ratio | 18.2610% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1837% | 374 |
| Memoranda: | ||
| Average total assets | $32,464,000 | 4,830 |
| Average earning assets | $27,373,000 | 4,834 |
| Average equity | $4,815,000 | 4,747 |
| Average total loans | $23,837,000 | 4,594 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 471 |
| Cost of funding earning assets | 0.3229% | 2,773 |
| Net interest margin | 4.5049% | 351 |
| Noninterest income to average assets | 0.0516% | 4,848 |
| Noninterest expense to average assets | 2.6197% | 1,831 |
| Loan and lease loss provision to assets | 0.0774% | 1,644 |
| Net operating income to assets | 0.7614% | 3,542 |
| Return on assets (ROA) | 0.7614% | 3,614 |
| Pretax return on assets | 1.1356% | 3,026 |
| Return on Equity (ROE) | 4.9156% | 4,103 |
| Retained earnings to average equity (ytd only) | 4.9156% | 3,245 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3502% | 1,888 |
| Assets per employee ($millions) | 7.1480% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4106% | 4,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.9334% | 1,037 |
| Net loans and leases to deposits | 122.3947% | 58 |
| Net loans and leases to core deposits | 127.4489% | 171 |
| Total domestic deposits to total assets | 58.7717% | 4,894 |
| Equity capital to assets | 13.5143% | 782 |
| Core capital (leverage) ratio | 21.8226% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5248% | 341 |
| Memoranda: | ||
| Average total assets | $30,996,000 | 4,865 |
| Average earning assets | $26,016,000 | 4,865 |
| Average equity | $4,801,000 | 4,764 |
| Average total loans | $22,222,000 | 4,651 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 2,561 |
| Cost of funding earning assets | 0.3183% | 4,037 |
| Net interest margin | 3.7380% | 1,678 |
| Noninterest income to average assets | 0.0943% | 4,758 |
| Noninterest expense to average assets | 2.6781% | 2,300 |
| Loan and lease loss provision to assets | 0.1114% | 2,955 |
| Net operating income to assets | 0.4713% | 4,091 |
| Return on assets (ROA) | 0.4713% | 4,177 |
| Pretax return on assets | 0.6256% | 4,025 |
| Return on Equity (ROE) | 2.3333% | 4,520 |
| Retained earnings to average equity (ytd only) | 2.3333% | 3,693 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4191% | 1,004 |
| Assets per employee ($millions) | 6.5630% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5368% | 4,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 70.5813% | 1,485 |
| Net loans and leases to deposits | 108.2175% | 186 |
| Net loans and leases to core deposits | 113.7516% | 416 |
| Total domestic deposits to total assets | 65.2217% | 4,859 |
| Equity capital to assets | 18.1777% | 259 |
| Core capital (leverage) ratio | 21.1160% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7322% | 294 |
| Memoranda: | ||
| Average total assets | $23,337,600 | 4,935 |
| Average earning assets | $20,732,800 | 4,921 |
| Average equity | $4,714,400 | 4,783 |
| Average total loans | $14,539,800 | 4,815 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 3,921 |
| Cost of funding earning assets | 0.3086% | 4,277 |
| Net interest margin | 3.3358% | 3,083 |
| Noninterest income to average assets | 0.0531% | 4,883 |
| Noninterest expense to average assets | 2.3943% | 3,150 |
| Loan and lease loss provision to assets | 0.1062% | 2,991 |
| Net operating income to assets | 0.3504% | 4,355 |
| Return on assets (ROA) | 0.3597% | 4,400 |
| Pretax return on assets | 0.5602% | 4,172 |
| Return on Equity (ROE) | 1.7305% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.7305% | 4,019 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5300% | 982 |
| Assets per employee ($millions) | 6.4225% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4730% | 4,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.3562% | 1,182 |
| Net loans and leases to deposits | 133.2347% | 44 |
| Net loans and leases to core deposits | 141.3066% | 158 |
| Total domestic deposits to total assets | 56.5590% | 4,950 |
| Equity capital to assets | 18.3963% | 275 |
| Core capital (leverage) ratio | 24.1381% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8313% | 147 |
| Memoranda: | ||
| Average total assets | $22,609,000 | 4,968 |
| Average earning assets | $20,304,500 | 4,954 |
| Average equity | $4,700,000 | 4,810 |
| Average total loans | $13,517,500 | 4,865 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 4,310 |
| Cost of funding earning assets | 0.3011% | 4,481 |
| Net interest margin | 3.2709% | 3,460 |
| Noninterest income to average assets | 0.0649% | 4,879 |
| Noninterest expense to average assets | 2.2333% | 3,697 |
| Loan and lease loss provision to assets | 0.0185% | 4,005 |
| Net operating income to assets | 0.5190% | 3,959 |
| Return on assets (ROA) | 0.5190% | 4,046 |
| Pretax return on assets | 0.7321% | 3,792 |
| Return on Equity (ROE) | 2.3874% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.3874% | 3,613 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8447% | 1,383 |
| Assets per employee ($millions) | 8.6547% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4274% | 4,891 |
| Loan loss allowance to noncurrent loans | 190.0000% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 3,754 |
| Noncurrent loans to loans | 0.2250% | 3,574 |
| Net loans and leases to total assets | 68.1906% | 2,316 |
| Net loans and leases to deposits | 119.9851% | 94 |
| Net loans and leases to core deposits | 127.1363% | 300 |
| Total domestic deposits to total assets | 56.8325% | 4,984 |
| Equity capital to assets | 18.1944% | 288 |
| Core capital (leverage) ratio | 23.6295% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0387% | 104 |
| Memoranda: | ||
| Average total assets | $21,582,000 | 5,001 |
| Average earning assets | $19,260,667 | 4,992 |
| Average equity | $4,691,333 | 4,836 |
| Average total loans | $11,539,667 | 4,929 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 4,537 |
| Cost of funding earning assets | 0.3113% | 4,619 |
| Net interest margin | 3.2803% | 3,644 |
| Noninterest income to average assets | 0.1031% | 4,811 |
| Noninterest expense to average assets | 2.3310% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4126% | 4,107 |
| Return on assets (ROA) | 0.4126% | 4,145 |
| Pretax return on assets | 0.5982% | 3,922 |
| Return on Equity (ROE) | 1.7112% | 4,509 |
| Retained earnings to average equity (ytd only) | 1.7112% | 3,543 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5775% | 1,185 |
| Assets per employee ($millions) | 6.3900% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 4,139 |
| Loan loss allowance to noncurrent loans | 740.0000% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,331 |
| Noncurrent loans to loans | 0.1205% | 4,037 |
| Net loans and leases to total assets | 42.9004% | 4,552 |
| Net loans and leases to deposits | 57.0992% | 4,316 |
| Net loans and leases to core deposits | 60.5463% | 4,332 |
| Total domestic deposits to total assets | 75.1330% | 4,574 |
| Equity capital to assets | 24.4757% | 120 |
| Core capital (leverage) ratio | 24.0209% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3394% | 172 |
| Memoranda: | ||
| Average total assets | $19,391,000 | 5,064 |
| Average earning assets | $16,706,000 | 5,063 |
| Average equity | $4,675,000 | 4,876 |
| Average total loans | $8,419,000 | 5,021 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0004% | 4,258 |
| Cost of funding earning assets | 0.3440% | 4,614 |
| Net interest margin | 3.6563% | 2,939 |
| Noninterest income to average assets | 0.1785% | 4,599 |
| Noninterest expense to average assets | 2.6714% | 2,964 |
| Loan and lease loss provision to assets | 0.0308% | 3,396 |
| Net operating income to assets | 0.5971% | 4,169 |
| Return on assets (ROA) | 0.5971% | 4,228 |
| Pretax return on assets | 0.8125% | 3,948 |
| Return on Equity (ROE) | 3.9813% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.9291% | 4,031 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0070% | 1,372 |
| Assets per employee ($millions) | 6.5373% | 1,265 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 4,098 |
| Loan loss allowance to noncurrent loans | 231.2500% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 3,826 |
| Noncurrent loans to loans | 0.3747% | 3,099 |
| Net loans and leases to total assets | 43.1674% | 4,636 |
| Net loans and leases to deposits | 56.8646% | 4,426 |
| Net loans and leases to core deposits | 61.4235% | 4,369 |
| Total domestic deposits to total assets | 75.9127% | 4,607 |
| Equity capital to assets | 23.7508% | 138 |
| Core capital (leverage) ratio | 28.0450% | 83 |
| Tier 1 risk-based capital ratio | 39.8801% | 242 |
| Total risk-based capital ratio | 40.5137% | 249 |
| Memoranda: | ||
| Average total assets | $16,246,000 | 5,147 |
| Average earning assets | $14,823,600 | 5,138 |
| Average equity | $2,436,400 | 5,107 |
| Average total loans | $8,549,000 | 5,080 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 3,971 |
| Cost of funding earning assets | 0.3617% | 4,624 |
| Net interest margin | 3.8164% | 2,541 |
| Noninterest income to average assets | 0.2077% | 4,476 |
| Noninterest expense to average assets | 2.6831% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7443% | 3,864 |
| Return on assets (ROA) | 0.7443% | 3,929 |
| Pretax return on assets | 0.9954% | 3,610 |
| Return on Equity (ROE) | 6.0957% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.3238% | 3,233 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9412% | 1,708 |
| Assets per employee ($millions) | 5.4197% | 2,105 |
| Cash dividends to net income (ytd only)* | 29.0686% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 4,472 |
| 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 | 54.2469% | 4,161 |
| Net loans and leases to deposits | 61.8904% | 4,298 |
| Net loans and leases to core deposits | 67.0620% | 4,215 |
| Total domestic deposits to total assets | 87.6499% | 1,190 |
| Equity capital to assets | 11.8457% | 2,379 |
| Core capital (leverage) ratio | 12.3130% | 1,674 |
| Tier 1 risk-based capital ratio | 17.2411% | 2,011 |
| Total risk-based capital ratio | 17.8587% | 2,155 |
| Memoranda: | ||
| Average total assets | $15,404,500 | 5,229 |
| Average earning assets | $14,009,250 | 5,220 |
| Average equity | $1,881,000 | 5,225 |
| Average total loans | $8,551,250 | 5,161 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,826 |
| Cost of funding earning assets | 0.3641% | 4,635 |
| Net interest margin | 3.8743% | 2,326 |
| Noninterest income to average assets | 0.1720% | 4,724 |
| Noninterest expense to average assets | 2.7382% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7143% | 3,955 |
| Return on assets (ROA) | 0.7143% | 4,014 |
| Pretax return on assets | 0.9524% | 3,703 |
| Return on Equity (ROE) | 5.7878% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.1083% | 3,666 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1935% | 1,621 |
| Assets per employee ($millions) | 4.9477% | 2,541 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 4,457 |
| 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 | 57.9398% | 3,921 |
| Net loans and leases to deposits | 66.7443% | 4,043 |
| Net loans and leases to core deposits | 71.2451% | 4,048 |
| Total domestic deposits to total assets | 86.8086% | 1,678 |
| Equity capital to assets | 12.7467% | 1,728 |
| Core capital (leverage) ratio | 12.6756% | 1,447 |
| Tier 1 risk-based capital ratio | 17.7701% | 1,864 |
| Total risk-based capital ratio | 18.4171% | 1,987 |
| Memoranda: | ||
| Average total assets | $15,119,670 | 5,277 |
| Average earning assets | $13,731,670 | 5,268 |
| Average equity | $1,866,000 | 5,270 |
| Average total loans | $8,438,670 | 5,210 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 3,965 |
| Cost of funding earning assets | 0.3182% | 4,785 |
| Net interest margin | 3.8471% | 2,354 |
| Noninterest income to average assets | 0.2884% | 3,945 |
| Noninterest expense to average assets | 2.7527% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7865% | 3,666 |
| Return on assets (ROA) | 0.7865% | 3,712 |
| Pretax return on assets | 1.0224% | 3,374 |
| Return on Equity (ROE) | 6.4760% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.0793% | 4,291 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9167% | 1,895 |
| Assets per employee ($millions) | 4.9933% | 2,528 |
| Cash dividends to net income (ytd only)* | 83.3333% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,388 |
| 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 | 54.3992% | 4,182 |
| Net loans and leases to deposits | 62.3728% | 4,285 |
| Net loans and leases to core deposits | 66.4573% | 4,263 |
| Total domestic deposits to total assets | 87.2163% | 1,705 |
| Equity capital to assets | 12.4299% | 1,777 |
| Core capital (leverage) ratio | 12.0870% | 1,722 |
| Tier 1 risk-based capital ratio | 18.6238% | 1,625 |
| Total risk-based capital ratio | 19.3099% | 1,739 |
| Memoranda: | ||
| Average total assets | $15,258,000 | 5,333 |
| Average earning assets | $13,828,500 | 5,324 |
| Average equity | $1,853,000 | 5,326 |
| Average total loans | $8,323,500 | 5,271 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 3,630 |
| Cost of funding earning assets | 0.2792% | 4,661 |
| Net interest margin | 3.8579% | 2,474 |
| Noninterest income to average assets | 0.1253% | 5,055 |
| Noninterest expense to average assets | 2.7440% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6266% | 4,343 |
| Return on assets (ROA) | 0.6266% | 4,353 |
| Pretax return on assets | 0.8443% | 4,054 |
| Return on Equity (ROE) | 5.3079% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.3079% | 2,595 |
| Net charge-offs to loans | -0.0457% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 1,295 |
| Assets per employee ($millions) | 5.1787% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 4,469 |
| Loan loss allowance to noncurrent loans | 328.5714% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 4,145 |
| Noncurrent loans to loans | 0.2491% | 3,691 |
| Net loans and leases to total assets | 53.8105% | 4,295 |
| Net loans and leases to deposits | 61.2364% | 4,415 |
| Net loans and leases to core deposits | 65.0634% | 4,402 |
| Total domestic deposits to total assets | 87.8733% | 1,356 |
| Equity capital to assets | 11.8692% | 1,990 |
| Core capital (leverage) ratio | 12.4950% | 1,456 |
| Tier 1 risk-based capital ratio | 17.7298% | 1,835 |
| Total risk-based capital ratio | 18.3858% | 1,963 |
| Memoranda: | ||
| Average total assets | $15,160,400 | 5,378 |
| Average earning assets | $13,608,400 | 5,367 |
| Average equity | $1,789,800 | 5,372 |
| Average total loans | $8,752,000 | 5,311 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 3,556 |
| Cost of funding earning assets | 0.2770% | 4,646 |
| Net interest margin | 3.8483% | 2,474 |
| Noninterest income to average assets | 0.0974% | 5,218 |
| Noninterest expense to average assets | 2.6902% | 2,997 |
| Loan and lease loss provision to assets | 0.0265% | 3,480 |
| Net operating income to assets | 0.6548% | 4,351 |
| Return on assets (ROA) | 0.6548% | 4,369 |
| Pretax return on assets | 0.8230% | 4,239 |
| Return on Equity (ROE) | 5.5544% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.5544% | 2,923 |
| Net charge-offs to loans | -0.0603% | 5,000 |
| Credit loss provision to net charge-offs | -75.0000% | 4,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 1,351 |
| Assets per employee ($millions) | 4.9317% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.2021% | 4,020 |
| Net loans and leases to deposits | 66.6125% | 4,157 |
| Net loans and leases to core deposits | 70.9951% | 4,129 |
| Total domestic deposits to total assets | 87.3741% | 1,559 |
| Equity capital to assets | 12.2339% | 1,752 |
| Core capital (leverage) ratio | 12.5423% | 1,477 |
| Tier 1 risk-based capital ratio | 17.7253% | 1,863 |
| Total risk-based capital ratio | 18.4140% | 1,985 |
| Memoranda: | ||
| Average total assets | $15,066,500 | 5,448 |
| Average earning assets | $13,477,250 | 5,439 |
| Average equity | $1,776,250 | 5,443 |
| Average total loans | $8,832,750 | 5,375 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 3,823 |
| Cost of funding earning assets | 0.2629% | 4,679 |
| Net interest margin | 3.7241% | 2,845 |
| Noninterest income to average assets | 0.0660% | 5,365 |
| Noninterest expense to average assets | 2.6786% | 3,084 |
| Loan and lease loss provision to assets | 0.0396% | 3,115 |
| Net operating income to assets | 0.5674% | 4,597 |
| Return on assets (ROA) | 0.5674% | 4,593 |
| Pretax return on assets | 0.7125% | 4,478 |
| Return on Equity (ROE) | 4.8725% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.8725% | 3,142 |
| Net charge-offs to loans | -0.0901% | 5,128 |
| Credit loss provision to net charge-offs | -75.0000% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0769% | 1,194 |
| Assets per employee ($millions) | 5.0387% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 59.9034% | 3,821 |
| Net loans and leases to deposits | 68.1083% | 4,008 |
| Net loans and leases to core deposits | 72.4574% | 3,982 |
| Total domestic deposits to total assets | 87.9532% | 1,404 |
| Equity capital to assets | 11.7888% | 2,000 |
| Core capital (leverage) ratio | 12.0644% | 1,670 |
| Tier 1 risk-based capital ratio | 16.7911% | 2,167 |
| Total risk-based capital ratio | 17.4550% | 2,310 |
| Memoranda: | ||
| Average total assets | $15,157,000 | 5,514 |
| Average earning assets | $13,694,670 | 5,503 |
| Average equity | $1,765,000 | 5,506 |
| Average total loans | $8,882,670 | 5,435 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 3,892 |
| Cost of funding earning assets | 0.2628% | 4,632 |
| Net interest margin | 3.6502% | 2,988 |
| Noninterest income to average assets | 0.1054% | 5,305 |
| Noninterest expense to average assets | 2.6882% | 3,075 |
| Loan and lease loss provision to assets | 0.0791% | 2,195 |
| Net operating income to assets | 0.5007% | 4,691 |
| Return on assets (ROA) | 0.5007% | 4,698 |
| Pretax return on assets | 0.6325% | 4,609 |
| Return on Equity (ROE) | 4.3268% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.3268% | 3,455 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0698% | 1,252 |
| Assets per employee ($millions) | 5.0750% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 4,809 |
| 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 | 55.9803% | 4,125 |
| Net loans and leases to deposits | 63.4529% | 4,240 |
| Net loans and leases to core deposits | 65.9318% | 4,311 |
| Total domestic deposits to total assets | 88.2233% | 1,493 |
| Equity capital to assets | 11.5796% | 2,072 |
| Core capital (leverage) ratio | 11.9225% | 1,698 |
| Tier 1 risk-based capital ratio | 17.1178% | 2,086 |
| Total risk-based capital ratio | 17.7659% | 2,223 |
| Memoranda: | ||
| Average total assets | $15,177,500 | 5,577 |
| Average earning assets | $13,698,000 | 5,565 |
| Average equity | $1,756,500 | 5,567 |
| Average total loans | $8,760,500 | 5,496 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 3,951 |
| Cost of funding earning assets | 0.2792% | 4,316 |
| Net interest margin | 3.5489% | 3,346 |
| Noninterest income to average assets | 0.2012% | 4,938 |
| Noninterest expense to average assets | 2.7094% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6036% | 3,992 |
| Return on assets (ROA) | 0.6036% | 4,029 |
| Pretax return on assets | 0.7310% | 4,438 |
| Return on Equity (ROE) | 5.2307% | 4,073 |
| Retained earnings to average equity (ytd only) | 0.8718% | 4,682 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7524% | 1,251 |
| Assets per employee ($millions) | 5.0433% | 2,429 |
| Cash dividends to net income (ytd only)* | 83.3333% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 5,010 |
| Loan loss allowance to noncurrent loans | 812.5000% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 4,868 |
| Noncurrent loans to loans | 0.0896% | 4,593 |
| Net loans and leases to total assets | 58.5922% | 3,961 |
| Net loans and leases to deposits | 66.3945% | 4,159 |
| Net loans and leases to core deposits | 69.0044% | 4,234 |
| Total domestic deposits to total assets | 88.2485% | 1,378 |
| Equity capital to assets | 11.5664% | 2,141 |
| Core capital (leverage) ratio | 11.9397% | 1,637 |
| Tier 1 risk-based capital ratio | 16.4381% | 2,289 |
| Total risk-based capital ratio | 17.0487% | 2,456 |
| Memoranda: | ||
| Average total assets | $14,910,800 | 5,643 |
| Average earning assets | $13,610,000 | 5,630 |
| Average equity | $1,720,600 | 5,631 |
| Average total loans | $9,025,200 | 5,557 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 3,914 |
| Cost of funding earning assets | 0.2740% | 4,368 |
| Net interest margin | 3.5524% | 3,312 |
| Noninterest income to average assets | 0.2334% | 4,818 |
| Noninterest expense to average assets | 2.6835% | 3,113 |
| Loan and lease loss provision to assets | 0.0897% | 2,281 |
| Net operating income to assets | 0.5475% | 4,583 |
| Return on assets (ROA) | 0.5475% | 4,616 |
| Pretax return on assets | 0.7180% | 4,568 |
| Return on Equity (ROE) | 4.7471% | 4,621 |
| Retained earnings to average equity (ytd only) | -1.0897% | 5,362 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8638% | 1,477 |
| Assets per employee ($millions) | 4.7120% | 2,817 |
| Cash dividends to net income (ytd only)* | 122.9559% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,793 |
| Loan loss allowance to noncurrent loans | 937.5000% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,955 |
| Noncurrent loans to loans | 0.0896% | 4,708 |
| Net loans and leases to total assets | 62.6486% | 3,587 |
| Net loans and leases to deposits | 71.6737% | 3,808 |
| Net loans and leases to core deposits | 74.7216% | 3,914 |
| Total domestic deposits to total assets | 87.4080% | 1,663 |
| Equity capital to assets | 12.2524% | 1,805 |
| Core capital (leverage) ratio | 12.2316% | 1,553 |
| Tier 1 risk-based capital ratio | 16.1884% | 2,423 |
| Total risk-based capital ratio | 16.8894% | 2,601 |
| Memoranda: | ||
| Average total assets | $14,856,000 | 5,707 |
| Average earning assets | $13,624,250 | 5,695 |
| Average equity | $1,713,250 | 5,698 |
| Average total loans | $9,049,000 | 5,621 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 4,288 |
| Cost of funding earning assets | 0.2731% | 4,350 |
| Net interest margin | 3.4061% | 3,755 |
| Noninterest income to average assets | 0.2517% | 4,733 |
| Noninterest expense to average assets | 2.6497% | 3,268 |
| Loan and lease loss provision to assets | 0.1325% | 1,572 |
| Net operating income to assets | 0.4505% | 4,856 |
| Return on assets (ROA) | 0.4505% | 4,876 |
| Pretax return on assets | 0.6094% | 4,779 |
| Return on Equity (ROE) | 3.9836% | 4,833 |
| Retained earnings to average equity (ytd only) | -4.8037% | 5,528 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1250% | 1,450 |
| Assets per employee ($millions) | 4.6183% | 2,914 |
| Cash dividends to net income (ytd only)* | 220.5882% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 5,019 |
| Loan loss allowance to noncurrent loans | 937.5000% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,978 |
| Noncurrent loans to loans | 0.0822% | 4,802 |
| Net loans and leases to total assets | 69.7366% | 2,563 |
| Net loans and leases to deposits | 79.7919% | 2,934 |
| Net loans and leases to core deposits | 83.2572% | 3,149 |
| Total domestic deposits to total assets | 87.3981% | 1,763 |
| Equity capital to assets | 12.3060% | 1,727 |
| Core capital (leverage) ratio | 11.8882% | 1,702 |
| Tier 1 risk-based capital ratio | 14.9535% | 2,950 |
| Total risk-based capital ratio | 15.6113% | 3,160 |
| Memoranda: | ||
| Average total assets | $15,096,000 | 5,756 |
| Average earning assets | $13,916,330 | 5,745 |
| Average equity | $1,707,000 | 5,749 |
| Average total loans | $9,088,330 | 5,669 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4429% | 4,847 |
| Cost of funding earning assets | 0.2479% | 4,552 |
| Net interest margin | 3.1950% | 4,360 |
| Noninterest income to average assets | 0.4072% | 3,607 |
| Noninterest expense to average assets | 2.5960% | 3,520 |
| Loan and lease loss provision to assets | 0.1273% | 1,515 |
| Net operating income to assets | 0.4327% | 4,850 |
| Return on assets (ROA) | 0.4327% | 4,868 |
| Pretax return on assets | 0.6363% | 4,641 |
| Return on Equity (ROE) | 3.9813% | 4,785 |
| Retained earnings to average equity (ytd only) | -13.5831% | 5,648 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2727% | 1,722 |
| Assets per employee ($millions) | 3.7420% | 4,431 |
| Cash dividends to net income (ytd only)* | 441.1765% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 5,158 |
| Loan loss allowance to noncurrent loans | 875.0000% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 5,085 |
| Noncurrent loans to loans | 0.0875% | 4,844 |
| Net loans and leases to total assets | 60.6227% | 3,716 |
| Net loans and leases to deposits | 68.4262% | 3,953 |
| Net loans and leases to core deposits | 74.0251% | 3,824 |
| Total domestic deposits to total assets | 88.5957% | 1,376 |
| Equity capital to assets | 11.2373% | 2,398 |
| Core capital (leverage) ratio | 10.8181% | 2,580 |
| Tier 1 risk-based capital ratio | 15.6669% | 2,679 |
| Total risk-based capital ratio | 16.3189% | 2,865 |
| Memoranda: | ||
| Average total assets | $15,716,500 | 5,821 |
| Average earning assets | $14,522,500 | 5,807 |
| Average equity | $1,708,000 | 5,815 |
| Average total loans | $8,764,000 | 5,736 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 4,622 |
| Cost of funding earning assets | 0.2697% | 4,368 |
| Net interest margin | 3.2874% | 4,180 |
| Noninterest income to average assets | 0.2819% | 4,727 |
| Noninterest expense to average assets | 2.5571% | 3,816 |
| Loan and lease loss provision to assets | -0.8389% | 5,898 |
| Net operating income to assets | 1.5168% | 801 |
| Return on assets (ROA) | 1.5168% | 830 |
| Pretax return on assets | 1.5906% | 1,314 |
| Return on Equity (ROE) | 13.3886% | 911 |
| Retained earnings to average equity (ytd only) | 13.3886% | 154 |
| Net charge-offs to loans | -0.8520% | 5,855 |
| Credit loss provision to net charge-offs | 198.4127% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2819% | 1,801 |
| Assets per employee ($millions) | 5.4883% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 5,168 |
| Loan loss allowance to noncurrent loans | 812.5000% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 5,148 |
| Noncurrent loans to loans | 0.0954% | 4,857 |
| Net loans and leases to total assets | 50.5254% | 4,724 |
| Net loans and leases to deposits | 56.6072% | 4,879 |
| Net loans and leases to core deposits | 60.7537% | 4,828 |
| Total domestic deposits to total assets | 89.2560% | 978 |
| Equity capital to assets | 10.5314% | 3,118 |
| Core capital (leverage) ratio | 11.8354% | 1,701 |
| Tier 1 risk-based capital ratio | 17.5471% | 1,991 |
| Total risk-based capital ratio | 18.2048% | 2,124 |
| Memoranda: | ||
| Average total assets | $14,899,600 | 5,882 |
| Average earning assets | $13,719,200 | 5,870 |
| Average equity | $1,688,000 | 5,874 |
| Average total loans | $7,394,400 | 5,826 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 4,452 |
| Cost of funding earning assets | 0.2787% | 4,305 |
| Net interest margin | 3.3551% | 4,015 |
| Noninterest income to average assets | 0.3400% | 4,347 |
| Noninterest expense to average assets | 2.5456% | 3,844 |
| Loan and lease loss provision to assets | -1.2407% | 5,972 |
| Net operating income to assets | 2.1321% | 276 |
| Return on assets (ROA) | 2.1321% | 288 |
| Pretax return on assets | 2.1321% | 435 |
| Return on Equity (ROE) | 18.4509% | 330 |
| Retained earnings to average equity (ytd only) | 18.4509% | 74 |
| Net charge-offs to loans | -1.1753% | 5,923 |
| Credit loss provision to net charge-offs | 214.2857% | 1,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0642% | 2,274 |
| Assets per employee ($millions) | 4.7097% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 5,296 |
| Loan loss allowance to noncurrent loans | 687.5000% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 5,226 |
| Noncurrent loans to loans | 0.1110% | 4,894 |
| Net loans and leases to total assets | 50.6193% | 4,774 |
| Net loans and leases to deposits | 57.9250% | 4,881 |
| Net loans and leases to core deposits | 57.9250% | 5,055 |
| Total domestic deposits to total assets | 87.3876% | 1,717 |
| Equity capital to assets | 12.4425% | 1,812 |
| Core capital (leverage) ratio | 12.2637% | 1,504 |
| Tier 1 risk-based capital ratio | 19.9932% | 1,448 |
| Total risk-based capital ratio | 19.9932% | 1,692 |
| Memoranda: | ||
| Average total assets | $14,508,250 | 5,949 |
| Average earning assets | $13,392,000 | 5,937 |
| Average equity | $1,676,500 | 5,941 |
| Average total loans | $7,147,000 | 5,893 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 4,682 |
| Cost of funding earning assets | 0.2814% | 4,332 |
| Net interest margin | 3.2875% | 4,271 |
| Noninterest income to average assets | 0.3827% | 4,005 |
| Noninterest expense to average assets | 2.5556% | 3,875 |
| Loan and lease loss provision to assets | -1.8449% | 6,053 |
| Net operating income to assets | 2.7059% | 111 |
| Return on assets (ROA) | 2.7059% | 111 |
| Pretax return on assets | 2.7059% | 162 |
| Return on Equity (ROE) | 24.0097% | 105 |
| Retained earnings to average equity (ytd only) | 24.0097% | 37 |
| Net charge-offs to loans | -1.7679% | 6,006 |
| Credit loss provision to net charge-offs | 214.2857% | 1,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8000% | 2,246 |
| Assets per employee ($millions) | 4.7563% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 5,424 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,948 |
| Noncurrent loans to loans | 0.2706% | 4,395 |
| Net loans and leases to total assets | 51.4122% | 4,727 |
| Net loans and leases to deposits | 58.6083% | 4,871 |
| Net loans and leases to core deposits | 58.6083% | 5,045 |
| Total domestic deposits to total assets | 87.7216% | 1,561 |
| Equity capital to assets | 12.1032% | 2,054 |
| Core capital (leverage) ratio | 11.9906% | 1,635 |
| Tier 1 risk-based capital ratio | 18.1541% | 1,890 |
| Total risk-based capital ratio | 18.1541% | 2,213 |
| Memoranda: | ||
| Average total assets | $14,634,670 | 6,027 |
| Average earning assets | $13,505,670 | 6,014 |
| Average equity | $1,649,330 | 6,020 |
| Average total loans | $7,127,000 | 5,969 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 4,964 |
| Cost of funding earning assets | 0.2623% | 4,585 |
| Net interest margin | 3.2059% | 4,564 |
| Noninterest income to average assets | 0.4589% | 3,425 |
| Noninterest expense to average assets | 2.5915% | 3,773 |
| Loan and lease loss provision to assets | -3.6443% | 6,120 |
| Net operating income to assets | 4.4812% | 51 |
| Return on assets (ROA) | 4.4812% | 49 |
| Pretax return on assets | 4.4812% | 60 |
| Return on Equity (ROE) | 41.2294% | 29 |
| Retained earnings to average equity (ytd only) | 41.2294% | 13 |
| Net charge-offs to loans | -3.6026% | 6,075 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5906% | 2,233 |
| Assets per employee ($millions) | 4.7060% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 5,425 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 5,008 |
| Noncurrent loans to loans | 0.2829% | 4,418 |
| Net loans and leases to total assets | 49.6883% | 4,839 |
| Net loans and leases to deposits | 56.5407% | 4,947 |
| Net loans and leases to core deposits | 56.5407% | 5,110 |
| Total domestic deposits to total assets | 87.8807% | 1,704 |
| Equity capital to assets | 11.9989% | 2,032 |
| Core capital (leverage) ratio | 11.3944% | 2,060 |
| Tier 1 risk-based capital ratio | 20.9058% | 1,333 |
| Total risk-based capital ratio | 20.9058% | 1,544 |
| Memoranda: | ||
| Average total assets | $14,817,500 | 6,089 |
| Average earning assets | $13,724,500 | 6,073 |
| Average equity | $1,610,500 | 6,081 |
| Average total loans | $6,995,000 | 6,033 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1273% | 5,605 |
| Cost of funding earning assets | 0.2968% | 4,280 |
| Net interest margin | 2.8305% | 5,461 |
| Noninterest income to average assets | 0.2340% | 5,194 |
| Noninterest expense to average assets | 2.4399% | 4,410 |
| Loan and lease loss provision to assets | 0.0802% | 2,678 |
| Net operating income to assets | 0.6752% | 3,927 |
| Return on assets (ROA) | 0.6752% | 4,023 |
| Pretax return on assets | 0.3275% | 5,462 |
| Return on Equity (ROE) | 6.9511% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.9511% | 1,302 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6808% | 1,021 |
| Assets per employee ($millions) | 5.1723% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 1,072 |
| Loan loss allowance to noncurrent loans | 184.0580% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 3,833 |
| Noncurrent loans to loans | 0.9971% | 2,343 |
| Net loans and leases to total assets | 43.7778% | 5,290 |
| Net loans and leases to deposits | 48.9268% | 5,446 |
| Net loans and leases to core deposits | 48.9268% | 5,536 |
| Total domestic deposits to total assets | 89.4761% | 870 |
| Equity capital to assets | 9.8408% | 4,143 |
| Core capital (leverage) ratio | 10.1031% | 3,378 |
| Tier 1 risk-based capital ratio | 19.4303% | 1,602 |
| Total risk-based capital ratio | 19.4303% | 1,879 |
| Memoranda: | ||
| Average total assets | $14,959,600 | 6,148 |
| Average earning assets | $13,814,000 | 6,134 |
| Average equity | $1,453,000 | 6,149 |
| Average total loans | $5,571,600 | 6,108 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0441% | 5,769 |
| Cost of funding earning assets | 0.3024% | 4,317 |
| Net interest margin | 2.7416% | 5,677 |
| Noninterest income to average assets | 0.2249% | 5,308 |
| Noninterest expense to average assets | 2.3481% | 4,657 |
| Loan and lease loss provision to assets | 0.0720% | 2,735 |
| Net operating income to assets | 0.3329% | 5,364 |
| Return on assets (ROA) | 0.3329% | 5,441 |
| Pretax return on assets | 0.3329% | 5,588 |
| Return on Equity (ROE) | 3.4388% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.4388% | 4,023 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 1,055 |
| Assets per employee ($millions) | 5.0523% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 630 |
| Loan loss allowance to noncurrent loans | 67.5824% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 1,971 |
| Noncurrent loans to loans | 3.3031% | 501 |
| Net loans and leases to total assets | 35.5413% | 5,798 |
| Net loans and leases to deposits | 39.3902% | 5,887 |
| Net loans and leases to core deposits | 39.3902% | 5,934 |
| Total domestic deposits to total assets | 90.2289% | 493 |
| Equity capital to assets | 9.6589% | 4,562 |
| Core capital (leverage) ratio | 9.8136% | 3,885 |
| Tier 1 risk-based capital ratio | 22.8643% | 1,070 |
| Total risk-based capital ratio | 22.8643% | 1,228 |
| Memoranda: | ||
| Average total assets | $14,820,250 | 6,234 |
| Average earning assets | $13,665,500 | 6,221 |
| Average equity | $1,434,500 | 6,238 |
| Average total loans | $5,234,500 | 6,196 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9441% | 5,903 |
| Cost of funding earning assets | 0.2929% | 4,470 |
| Net interest margin | 2.6512% | 5,823 |
| Noninterest income to average assets | 0.2040% | 5,463 |
| Noninterest expense to average assets | 2.3661% | 4,673 |
| Loan and lease loss provision to assets | 0.0408% | 3,299 |
| Net operating income to assets | 0.2584% | 5,554 |
| Return on assets (ROA) | 0.2584% | 5,637 |
| Pretax return on assets | 0.2584% | 5,727 |
| Return on Equity (ROE) | 2.6673% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.6673% | 4,357 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7755% | 847 |
| Assets per employee ($millions) | 4.9190% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1699% | 767 |
| Loan loss allowance to noncurrent loans | 64.4809% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 2,032 |
| Noncurrent loans to loans | 3.3652% | 537 |
| Net loans and leases to total assets | 36.0507% | 5,817 |
| Net loans and leases to deposits | 39.9940% | 5,900 |
| Net loans and leases to core deposits | 39.9940% | 5,955 |
| Total domestic deposits to total assets | 90.1403% | 603 |
| Equity capital to assets | 9.7378% | 4,361 |
| Core capital (leverage) ratio | 9.9309% | 3,703 |
| Tier 1 risk-based capital ratio | 22.1931% | 1,176 |
| Total risk-based capital ratio | 22.1931% | 1,345 |
| Memoranda: | ||
| Average total assets | $14,708,000 | 6,312 |
| Average earning assets | $13,654,330 | 6,293 |
| Average equity | $1,424,670 | 6,315 |
| Average total loans | $5,142,670 | 6,274 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8861% | 6,006 |
| Cost of funding earning assets | 0.2945% | 4,503 |
| Net interest margin | 2.5916% | 5,933 |
| Noninterest income to average assets | 0.2997% | 4,778 |
| Noninterest expense to average assets | 2.3972% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2997% | 5,418 |
| Return on assets (ROA) | 0.2997% | 5,519 |
| Pretax return on assets | 0.2997% | 5,652 |
| Return on Equity (ROE) | 3.1019% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.1019% | 4,123 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 947 |
| Assets per employee ($millions) | 4.8063% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4897% | 537 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 2,089 |
| Noncurrent loans to loans | 3.9835% | 443 |
| Net loans and leases to total assets | 31.2366% | 6,025 |
| Net loans and leases to deposits | 34.7236% | 6,105 |
| Net loans and leases to core deposits | 34.7236% | 6,130 |
| Total domestic deposits to total assets | 89.9577% | 761 |
| Equity capital to assets | 9.9521% | 4,202 |
| Core capital (leverage) ratio | 9.5203% | 4,244 |
| Tier 1 risk-based capital ratio | 24.5341% | 936 |
| Total risk-based capital ratio | 24.5341% | 1,051 |
| Memoranda: | ||
| Average total assets | $14,683,500 | 6,381 |
| Average earning assets | $13,582,500 | 6,363 |
| Average equity | $1,418,500 | 6,384 |
| Average total loans | $4,995,000 | 6,346 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0314% | 6,026 |
| Cost of funding earning assets | 0.3213% | 4,568 |
| Net interest margin | 2.7101% | 5,924 |
| Noninterest income to average assets | 0.1424% | 5,984 |
| Noninterest expense to average assets | 2.4408% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2137% | 5,739 |
| Return on assets (ROA) | 0.2137% | 5,798 |
| Pretax return on assets | 0.2137% | 5,851 |
| Return on Equity (ROE) | 2.4379% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.4379% | 4,493 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9512% | 707 |
| Assets per employee ($millions) | 4.9827% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 899 |
| Loan loss allowance to noncurrent loans | 62.1622% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 2,279 |
| Noncurrent loans to loans | 3.4444% | 605 |
| Net loans and leases to total assets | 35.1619% | 5,988 |
| Net loans and leases to deposits | 38.8671% | 6,067 |
| Net loans and leases to core deposits | 38.8671% | 6,129 |
| Total domestic deposits to total assets | 90.4670% | 554 |
| Equity capital to assets | 9.3792% | 4,877 |
| Core capital (leverage) ratio | 9.6233% | 4,066 |
| Tier 1 risk-based capital ratio | 21.5287% | 1,307 |
| Total risk-based capital ratio | 22.7800% | 1,278 |
| Memoranda: | ||
| Average total assets | $15,445,600 | 6,462 |
| Average earning assets | $14,317,000 | 6,445 |
| Average equity | $1,353,600 | 6,475 |
| Average total loans | $5,673,200 | 6,422 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 6,141 |
| Cost of funding earning assets | 0.3243% | 4,625 |
| Net interest margin | 2.6773% | 6,035 |
| Noninterest income to average assets | 0.1370% | 6,088 |
| Noninterest expense to average assets | 2.3806% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2312% | 5,778 |
| Return on assets (ROA) | 0.2312% | 5,838 |
| Pretax return on assets | 0.2312% | 5,901 |
| Return on Equity (ROE) | 2.6836% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.6836% | 4,679 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1475% | 762 |
| Assets per employee ($millions) | 5.1047% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2115% | 928 |
| Loan loss allowance to noncurrent loans | 61.8280% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2146% | 2,525 |
| Noncurrent loans to loans | 3.5769% | 660 |
| Net loans and leases to total assets | 33.2049% | 6,145 |
| Net loans and leases to deposits | 36.5564% | 6,225 |
| Net loans and leases to core deposits | 36.5564% | 6,271 |
| Total domestic deposits to total assets | 90.8319% | 412 |
| Equity capital to assets | 9.0244% | 5,329 |
| Core capital (leverage) ratio | 9.3382% | 4,587 |
| Tier 1 risk-based capital ratio | 21.6550% | 1,313 |
| Total risk-based capital ratio | 22.9046% | 1,294 |
| Memoranda: | ||
| Average total assets | $15,570,000 | 6,541 |
| Average earning assets | $14,392,250 | 6,523 |
| Average equity | $1,341,500 | 6,555 |
| Average total loans | $5,748,750 | 6,499 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0035% | 6,175 |
| Cost of funding earning assets | 0.3169% | 4,800 |
| Net interest margin | 2.6866% | 6,066 |
| Noninterest income to average assets | 0.0894% | 6,317 |
| Noninterest expense to average assets | 2.4656% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1150% | 6,017 |
| Return on assets (ROA) | 0.1150% | 6,061 |
| Pretax return on assets | 0.1150% | 6,072 |
| Return on Equity (ROE) | 1.3554% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.3554% | 5,202 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5446% | 580 |
| Assets per employee ($millions) | 5.1647% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0448% | 1,286 |
| Loan loss allowance to noncurrent loans | 51.3393% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4457% | 2,254 |
| Noncurrent loans to loans | 3.9829% | 596 |
| Net loans and leases to total assets | 35.5557% | 6,069 |
| Net loans and leases to deposits | 39.0460% | 6,190 |
| Net loans and leases to core deposits | 39.0460% | 6,242 |
| Total domestic deposits to total assets | 91.0611% | 393 |
| Equity capital to assets | 8.7905% | 5,529 |
| Core capital (leverage) ratio | 8.8062% | 5,267 |
| Tier 1 risk-based capital ratio | 20.3157% | 1,607 |
| Total risk-based capital ratio | 21.5754% | 1,578 |
| Memoranda: | ||
| Average total assets | $15,655,330 | 6,605 |
| Average earning assets | $14,516,330 | 6,591 |
| Average equity | $1,328,000 | 6,619 |
| Average total loans | $5,931,670 | 6,560 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9891% | 6,253 |
| Cost of funding earning assets | 0.3291% | 4,745 |
| Net interest margin | 2.6600% | 6,159 |
| Noninterest income to average assets | 0.0763% | 6,407 |
| Noninterest expense to average assets | 2.5419% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0000% | 6,210 |
| Return on assets (ROA) | 0.0000% | 6,226 |
| Pretax return on assets | 0.0000% | 6,215 |
| Return on Equity (ROE) | 0.0000% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 466 |
| Assets per employee ($millions) | 5.2400% | 1,971 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 1,436 |
| Loan loss allowance to noncurrent loans | 60.5263% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 2,842 |
| Noncurrent loans to loans | 3.3742% | 890 |
| Net loans and leases to total assets | 35.0891% | 6,120 |
| Net loans and leases to deposits | 38.3775% | 6,232 |
| Net loans and leases to core deposits | 38.3775% | 6,300 |
| Total domestic deposits to total assets | 91.4313% | 400 |
| Equity capital to assets | 8.4478% | 5,697 |
| Core capital (leverage) ratio | 8.1990% | 5,950 |
| Tier 1 risk-based capital ratio | 20.2440% | 1,660 |
| Total risk-based capital ratio | 21.4929% | 1,625 |
| Memoranda: | ||
| Average total assets | $15,736,000 | 6,677 |
| Average earning assets | $14,586,500 | 6,662 |
| Average equity | $1,311,000 | 6,683 |
| Average total loans | $6,085,500 | 6,625 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8826% | 6,438 |
| Cost of funding earning assets | 0.3628% | 5,022 |
| Net interest margin | 2.5198% | 6,358 |
| Noninterest income to average assets | 0.1574% | 6,147 |
| Noninterest expense to average assets | 2.3234% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1952% | 5,834 |
| Return on assets (ROA) | 0.1952% | 5,902 |
| Pretax return on assets | 0.1952% | 5,944 |
| Return on Equity (ROE) | 2.3432% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.3432% | 4,579 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2500% | 862 |
| Assets per employee ($millions) | 5.2507% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 2,196 |
| Loan loss allowance to noncurrent loans | 60.8466% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 3,000 |
| Noncurrent loans to loans | 2.8899% | 1,212 |
| Net loans and leases to total assets | 40.7885% | 5,907 |
| Net loans and leases to deposits | 44.5284% | 6,096 |
| Net loans and leases to core deposits | 44.5284% | 6,206 |
| Total domestic deposits to total assets | 91.6011% | 375 |
| Equity capital to assets | 8.2148% | 5,863 |
| Core capital (leverage) ratio | 8.7656% | 5,338 |
| Tier 1 risk-based capital ratio | 17.9016% | 2,274 |
| Total risk-based capital ratio | 19.1601% | 2,234 |
| Memoranda: | ||
| Average total assets | $15,881,600 | 6,754 |
| Average earning assets | $14,882,200 | 6,740 |
| Average equity | $1,323,000 | 6,774 |
| Average total loans | $5,586,000 | 6,721 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7866% | 6,575 |
| Cost of funding earning assets | 0.3662% | 5,132 |
| Net interest margin | 2.4204% | 6,498 |
| Noninterest income to average assets | 0.1676% | 6,184 |
| Noninterest expense to average assets | 2.2956% | 5,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1425% | 6,051 |
| Return on assets (ROA) | 0.1425% | 6,120 |
| Pretax return on assets | 0.1425% | 6,154 |
| Return on Equity (ROE) | 1.7042% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.7042% | 5,289 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1581% | 728 |
| Assets per employee ($millions) | 5.0297% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 1,732 |
| Loan loss allowance to noncurrent loans | 60.5263% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 3,121 |
| Noncurrent loans to loans | 3.2963% | 1,178 |
| Net loans and leases to total assets | 37.4379% | 6,201 |
| Net loans and leases to deposits | 41.0418% | 6,348 |
| Net loans and leases to core deposits | 41.0418% | 6,417 |
| Total domestic deposits to total assets | 91.2188% | 452 |
| Equity capital to assets | 8.6354% | 5,584 |
| Core capital (leverage) ratio | 8.9751% | 5,162 |
| Tier 1 risk-based capital ratio | 19.8078% | 1,783 |
| Total risk-based capital ratio | 21.0700% | 1,744 |
| Memoranda: | ||
| Average total assets | $15,914,000 | 6,831 |
| Average earning assets | $14,928,000 | 6,817 |
| Average equity | $1,330,250 | 6,854 |
| Average total loans | $5,347,500 | 6,803 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6544% | 6,680 |
| Cost of funding earning assets | 0.3679% | 5,247 |
| Net interest margin | 2.2865% | 6,631 |
| Noninterest income to average assets | 0.1112% | 6,490 |
| Noninterest expense to average assets | 2.1990% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0618% | 6,218 |
| Return on assets (ROA) | 0.0618% | 6,297 |
| Pretax return on assets | 0.0618% | 6,290 |
| Return on Equity (ROE) | 0.7466% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.7466% | 5,602 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2678% | 606 |
| Assets per employee ($millions) | 5.1410% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2854% | 1,284 |
| Loan loss allowance to noncurrent loans | 60.2094% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 3,273 |
| Noncurrent loans to loans | 3.7957% | 1,073 |
| Net loans and leases to total assets | 31.8810% | 6,512 |
| Net loans and leases to deposits | 34.8501% | 6,582 |
| Net loans and leases to core deposits | 34.8501% | 6,629 |
| Total domestic deposits to total assets | 91.4803% | 386 |
| Equity capital to assets | 8.3512% | 5,923 |
| Core capital (leverage) ratio | 8.5970% | 5,562 |
| Tier 1 risk-based capital ratio | 21.9575% | 1,291 |
| Total risk-based capital ratio | 23.2131% | 1,271 |
| Memoranda: | ||
| Average total assets | $16,189,000 | 6,876 |
| Average earning assets | $15,220,000 | 6,858 |
| Average equity | $1,339,330 | 6,901 |
| Average total loans | $5,208,670 | 6,857 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5460% | 6,799 |
| Cost of funding earning assets | 0.3858% | 5,233 |
| Net interest margin | 2.1602% | 6,780 |
| Noninterest income to average assets | 0.1690% | 6,246 |
| Noninterest expense to average assets | 2.1482% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0483% | 6,254 |
| Return on assets (ROA) | 0.0483% | 6,338 |
| Pretax return on assets | 0.0483% | 6,339 |
| Return on Equity (ROE) | 0.5861% | 6,313 |
| Retained earnings to average equity (ytd only) | 0.5861% | 5,596 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8022% | 642 |
| Assets per employee ($millions) | 5.8607% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3869% | 1,265 |
| Loan loss allowance to noncurrent loans | 59.8958% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 3,750 |
| Noncurrent loans to loans | 3.9851% | 1,135 |
| Net loans and leases to total assets | 26.7489% | 6,706 |
| Net loans and leases to deposits | 29.0380% | 6,767 |
| Net loans and leases to core deposits | 29.0380% | 6,782 |
| Total domestic deposits to total assets | 92.1169% | 226 |
| Equity capital to assets | 7.7693% | 6,489 |
| Core capital (leverage) ratio | 7.6437% | 6,392 |
| Tier 1 risk-based capital ratio | 24.3407% | 977 |
| Total risk-based capital ratio | 25.6058% | 958 |
| Memoranda: | ||
| Average total assets | $16,572,000 | 6,948 |
| Average earning assets | $15,554,000 | 6,926 |
| Average equity | $1,365,000 | 6,965 |
| Average total loans | $5,297,000 | 6,925 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 6,316 |
| Cost of funding earning assets | 0.6646% | 3,787 |
| Net interest margin | 2.8719% | 6,280 |
| Noninterest income to average assets | 0.2456% | 5,697 |
| Noninterest expense to average assets | 2.5554% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0133% | 6,146 |
| Return on assets (ROA) | 0.0133% | 6,284 |
| Pretax return on assets | 0.0133% | 6,267 |
| Return on Equity (ROE) | 0.1463% | 6,283 |
| Retained earnings to average equity (ytd only) | 0.1463% | 5,767 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4832% | 580 |
| Assets per employee ($millions) | 5.1873% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 2,035 |
| Loan loss allowance to noncurrent loans | 59.5855% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.2402% | 3,577 |
| Noncurrent loans to loans | 3.3414% | 1,527 |
| Net loans and leases to total assets | 36.3771% | 6,404 |
| Net loans and leases to deposits | 39.9703% | 6,550 |
| Net loans and leases to core deposits | 39.9703% | 6,618 |
| Total domestic deposits to total assets | 91.0102% | 490 |
| Equity capital to assets | 8.7649% | 5,774 |
| Core capital (leverage) ratio | 8.8982% | 5,045 |
| Tier 1 risk-based capital ratio | 20.6573% | 1,530 |
| Total risk-based capital ratio | 21.9143% | 1,500 |
| Memoranda: | ||
| Average total assets | $15,066,200 | 7,027 |
| Average earning assets | $12,187,000 | 7,029 |
| Average equity | $1,366,600 | 7,037 |
| Average total loans | $5,644,600 | 6,987 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 6,217 |
| Cost of funding earning assets | 0.7451% | 3,389 |
| Net interest margin | 2.9575% | 6,257 |
| Noninterest income to average assets | 0.2409% | 5,830 |
| Noninterest expense to average assets | 2.3913% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1517% | 6,030 |
| Return on assets (ROA) | 0.1517% | 6,183 |
| Pretax return on assets | 0.1517% | 6,203 |
| Return on Equity (ROE) | 1.6581% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.6581% | 5,503 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0351% | 771 |
| Assets per employee ($millions) | 4.9100% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 2,027 |
| Loan loss allowance to noncurrent loans | 49.1453% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 3,218 |
| Noncurrent loans to loans | 4.1771% | 1,190 |
| Net loans and leases to total assets | 37.2505% | 6,466 |
| Net loans and leases to deposits | 41.1906% | 6,637 |
| Net loans and leases to core deposits | 41.1906% | 6,696 |
| Total domestic deposits to total assets | 90.4345% | 618 |
| Equity capital to assets | 9.3686% | 5,383 |
| Core capital (leverage) ratio | 9.1775% | 4,800 |
| Tier 1 risk-based capital ratio | 20.3786% | 1,662 |
| Total risk-based capital ratio | 21.6356% | 1,633 |
| Memoranda: | ||
| Average total assets | $14,942,250 | 7,123 |
| Average earning assets | $11,631,000 | 7,128 |
| Average equity | $1,367,250 | 7,133 |
| Average total loans | $5,611,750 | 7,082 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 6,237 |
| Cost of funding earning assets | 0.8213% | 3,020 |
| Net interest margin | 2.9358% | 6,366 |
| Noninterest income to average assets | 0.1865% | 6,235 |
| Noninterest expense to average assets | 2.3713% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0533% | 6,251 |
| Return on assets (ROA) | 0.0533% | 6,388 |
| Pretax return on assets | 0.0533% | 6,383 |
| Return on Equity (ROE) | 0.5869% | 6,371 |
| Retained earnings to average equity (ytd only) | 0.5869% | 5,829 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8022% | 628 |
| Assets per employee ($millions) | 5.0210% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 1,993 |
| Loan loss allowance to noncurrent loans | 49.1453% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 3,373 |
| Noncurrent loans to loans | 4.2771% | 1,263 |
| Net loans and leases to total assets | 35.5573% | 6,634 |
| Net loans and leases to deposits | 39.2094% | 6,761 |
| Net loans and leases to core deposits | 39.2094% | 6,822 |
| Total domestic deposits to total assets | 90.6858% | 568 |
| Equity capital to assets | 9.0885% | 5,593 |
| Core capital (leverage) ratio | 9.0915% | 4,772 |
| Tier 1 risk-based capital ratio | 20.4675% | 1,587 |
| Total risk-based capital ratio | 21.6812% | 1,569 |
| Memoranda: | ||
| Average total assets | $15,013,000 | 7,182 |
| Average earning assets | $11,445,000 | 7,191 |
| Average equity | $1,363,000 | 7,189 |
| Average total loans | $5,615,000 | 7,139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 6,302 |
| Cost of funding earning assets | 0.9178% | 2,544 |
| Net interest margin | 2.8592% | 6,541 |
| Noninterest income to average assets | 0.1868% | 6,261 |
| Noninterest expense to average assets | 2.3485% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | 0.0000% | 6,526 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 551 |
| Assets per employee ($millions) | 5.1233% | 2,092 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 1,967 |
| Loan loss allowance to noncurrent loans | 47.7178% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 3,512 |
| Noncurrent loans to loans | 4.5250% | 1,284 |
| Net loans and leases to total assets | 33.9037% | 6,748 |
| Net loans and leases to deposits | 37.2587% | 6,848 |
| Net loans and leases to core deposits | 37.2587% | 6,902 |
| Total domestic deposits to total assets | 90.9954% | 559 |
| Equity capital to assets | 8.8549% | 5,687 |
| Core capital (leverage) ratio | 8.8469% | 5,070 |
| Tier 1 risk-based capital ratio | 20.9320% | 1,510 |
| Total risk-based capital ratio | 22.1932% | 1,477 |
| Memoranda: | ||
| Average total assets | $14,988,000 | 7,246 |
| Average earning assets | $11,332,000 | 7,253 |
| Average equity | $1,360,000 | 7,245 |
| Average total loans | $5,687,000 | 7,198 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 6,498 |
| Cost of funding earning assets | 1.1372% | 2,428 |
| Net interest margin | 2.8389% | 6,774 |
| Noninterest income to average assets | 0.5906% | 3,215 |
| Noninterest expense to average assets | 2.8684% | 4,087 |
| Loan and lease loss provision to assets | 0.1758% | 4,436 |
| Net operating income to assets | 0.0000% | 6,037 |
| Return on assets (ROA) | 0.0000% | 6,160 |
| Pretax return on assets | -0.0844% | 6,204 |
| Return on Equity (ROE) | 0.0000% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9121% | 774 |
| Assets per employee ($millions) | 4.8687% | 2,357 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 2,564 |
| Loan loss allowance to noncurrent loans | 47.5207% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 3,469 |
| Noncurrent loans to loans | 4.0013% | 1,557 |
| Net loans and leases to total assets | 40.6203% | 6,501 |
| Net loans and leases to deposits | 44.9265% | 6,676 |
| Net loans and leases to core deposits | 48.5993% | 6,613 |
| Total domestic deposits to total assets | 90.4149% | 755 |
| Equity capital to assets | 9.3044% | 5,142 |
| Core capital (leverage) ratio | 9.4644% | 4,085 |
| Tier 1 risk-based capital ratio | 19.2438% | 1,833 |
| Total risk-based capital ratio | 20.5041% | 1,798 |
| Memoranda: | ||
| Average total assets | $14,224,000 | 7,295 |
| Average earning assets | $11,871,000 | 7,296 |
| Average equity | $1,340,600 | 7,306 |
| Average total loans | $6,322,400 | 7,234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 6,674 |
| Cost of funding earning assets | 1.1611% | 2,558 |
| Net interest margin | 2.7799% | 6,910 |
| Noninterest income to average assets | 0.6983% | 2,623 |
| Noninterest expense to average assets | 2.8783% | 4,022 |
| Loan and lease loss provision to assets | 0.2359% | 3,652 |
| Net operating income to assets | 0.0377% | 6,097 |
| Return on assets (ROA) | 0.0377% | 6,193 |
| Pretax return on assets | -0.0661% | 6,300 |
| Return on Equity (ROE) | 0.3990% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.3990% | 5,832 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4272% | 894 |
| Assets per employee ($millions) | 4.6627% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 2,695 |
| Loan loss allowance to noncurrent loans | 47.1311% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.7444% | 3,482 |
| Noncurrent loans to loans | 3.9811% | 1,665 |
| Net loans and leases to total assets | 42.9940% | 6,431 |
| Net loans and leases to deposits | 47.7757% | 6,631 |
| Net loans and leases to core deposits | 49.7477% | 6,680 |
| Total domestic deposits to total assets | 89.9914% | 869 |
| Equity capital to assets | 9.7584% | 4,688 |
| Core capital (leverage) ratio | 9.6242% | 3,960 |
| Tier 1 risk-based capital ratio | 18.7500% | 2,007 |
| Total risk-based capital ratio | 20.0000% | 1,973 |
| Memoranda: | ||
| Average total assets | $14,128,500 | 7,374 |
| Average earning assets | $11,942,500 | 7,373 |
| Average equity | $1,336,000 | 7,382 |
| Average total loans | $6,391,000 | 7,302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 7,097 |
| Cost of funding earning assets | 1.1854% | 2,677 |
| Net interest margin | 2.4194% | 7,223 |
| Noninterest income to average assets | 0.1975% | 6,257 |
| Noninterest expense to average assets | 2.9065% | 3,999 |
| Loan and lease loss provision to assets | 0.3527% | 2,670 |
| Net operating income to assets | -0.8042% | 6,874 |
| Return on assets (ROA) | -0.8042% | 6,882 |
| Pretax return on assets | -0.9594% | 6,886 |
| Return on Equity (ROE) | -8.5951% | 6,886 |
| Retained earnings to average equity (ytd only) | -8.5951% | 6,803 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.3804% | 284 |
| Assets per employee ($millions) | 4.8073% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,860 |
| Loan loss allowance to noncurrent loans | 28.0488% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 2.8429% | 2,360 |
| Noncurrent loans to loans | 6.5610% | 838 |
| Net loans and leases to total assets | 42.5322% | 6,561 |
| Net loans and leases to deposits | 46.9427% | 6,783 |
| Net loans and leases to core deposits | 48.8065% | 6,816 |
| Total domestic deposits to total assets | 90.6046% | 676 |
| Equity capital to assets | 9.0833% | 5,462 |
| Core capital (leverage) ratio | 8.9151% | 4,854 |
| Tier 1 risk-based capital ratio | 16.8941% | 2,569 |
| Total risk-based capital ratio | 18.3886% | 2,443 |
| Memoranda: | ||
| Average total assets | $14,175,330 | 7,447 |
| Average earning assets | $12,317,000 | 7,440 |
| Average equity | $1,326,330 | 7,455 |
| Average total loans | $6,478,330 | 7,372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 7,153 |
| Cost of funding earning assets | 1.2245% | 2,659 |
| Net interest margin | 2.3523% | 7,285 |
| Noninterest income to average assets | 0.1993% | 6,293 |
| Noninterest expense to average assets | 3.0458% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.7686% | 6,945 |
| Return on assets (ROA) | -0.7686% | 6,952 |
| Pretax return on assets | -0.7686% | 6,900 |
| Return on Equity (ROE) | -8.0929% | 6,962 |
| Retained earnings to average equity (ytd only) | -8.0929% | 6,759 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.7500% | 237 |
| Assets per employee ($millions) | 3.6863% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 4,408 |
| Loan loss allowance to noncurrent loans | 21.9512% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 2.7806% | 2,477 |
| Noncurrent loans to loans | 6.6397% | 875 |
| Net loans and leases to total assets | 41.2682% | 6,689 |
| Net loans and leases to deposits | 45.4512% | 6,888 |
| Net loans and leases to core deposits | 47.2108% | 6,912 |
| Total domestic deposits to total assets | 90.7969% | 716 |
| Equity capital to assets | 8.9590% | 5,269 |
| Core capital (leverage) ratio | 8.8439% | 4,867 |
| Tier 1 risk-based capital ratio | 17.7100% | 2,215 |
| Total risk-based capital ratio | 18.8986% | 2,207 |
| Memoranda: | ||
| Average total assets | $14,052,000 | 7,506 |
| Average earning assets | $12,413,500 | 7,498 |
| Average equity | $1,334,500 | 7,510 |
| Average total loans | $6,593,000 | 7,427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 5,374 |
| Cost of funding earning assets | 1.5312% | 2,473 |
| Net interest margin | 3.2788% | 6,043 |
| Noninterest income to average assets | 0.2713% | 5,842 |
| Noninterest expense to average assets | 3.1799% | 3,158 |
| Loan and lease loss provision to assets | 0.4747% | 3,288 |
| Net operating income to assets | -0.5727% | 6,433 |
| Return on assets (ROA) | -0.5727% | 6,463 |
| Pretax return on assets | -0.5275% | 6,340 |
| Return on Equity (ROE) | -6.0060% | 6,498 |
| Retained earnings to average equity (ytd only) | -6.0060% | 6,384 |
| Net charge-offs to loans | 0.7482% | 2,773 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | -0.1111% | 6,229 |
| Efficiency ratio | 101.6867% | 729 |
| Assets per employee ($millions) | 3.3398% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 5,086 |
| Loan loss allowance to noncurrent loans | 21.9512% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 3.0691% | 2,301 |
| Noncurrent loans to loans | 5.8480% | 1,084 |
| Net loans and leases to total assets | 51.8078% | 5,938 |
| Net loans and leases to deposits | 57.8534% | 6,271 |
| Net loans and leases to core deposits | 63.1190% | 6,140 |
| Total domestic deposits to total assets | 89.5501% | 1,357 |
| Equity capital to assets | 10.0906% | 3,633 |
| Core capital (leverage) ratio | 10.0500% | 3,032 |
| Tier 1 risk-based capital ratio | 17.2119% | 2,268 |
| Total risk-based capital ratio | 18.3442% | 2,285 |
| Memoranda: | ||
| Average total assets | $13,270,800 | 7,595 |
| Average earning assets | $11,559,200 | 7,587 |
| Average equity | $1,265,400 | 7,610 |
| Average total loans | $8,420,600 | 7,449 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 5,164 |
| Cost of funding earning assets | 1.5823% | 2,490 |
| Net interest margin | 3.3392% | 5,888 |
| Noninterest income to average assets | 0.2315% | 6,239 |
| Noninterest expense to average assets | 3.0493% | 3,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0100% | 5,982 |
| Return on assets (ROA) | 0.0100% | 6,107 |
| Pretax return on assets | 0.0704% | 5,969 |
| Return on Equity (ROE) | 0.1068% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.1068% | 5,734 |
| Net charge-offs to loans | -0.0304% | 7,406 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7419% | 827 |
| Assets per employee ($millions) | 3.3360% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,862 |
| Loan loss allowance to noncurrent loans | 19.2067% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 3.5896% | 1,984 |
| Noncurrent loans to loans | 5.8244% | 1,106 |
| Net loans and leases to total assets | 60.9412% | 4,728 |
| Net loans and leases to deposits | 67.5471% | 5,482 |
| Net loans and leases to core deposits | 73.6527% | 5,341 |
| Total domestic deposits to total assets | 90.2203% | 766 |
| Equity capital to assets | 9.3375% | 5,068 |
| Core capital (leverage) ratio | 9.2381% | 4,300 |
| Tier 1 risk-based capital ratio | 13.5954% | 4,125 |
| Total risk-based capital ratio | 14.6058% | 4,271 |
| Memoranda: | ||
| Average total assets | $13,248,750 | 7,696 |
| Average earning assets | $11,459,750 | 7,691 |
| Average equity | $1,244,750 | 7,709 |
| Average total loans | $8,773,000 | 7,532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 4,672 |
| Cost of funding earning assets | 1.6264% | 2,504 |
| Net interest margin | 3.4296% | 5,517 |
| Noninterest income to average assets | 0.2270% | 6,291 |
| Noninterest expense to average assets | 3.0567% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0151% | 6,061 |
| Return on assets (ROA) | 0.0151% | 6,163 |
| Pretax return on assets | 0.1059% | 5,967 |
| Return on Equity (ROE) | 0.1607% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.1607% | 5,683 |
| Net charge-offs to loans | -0.0893% | 7,537 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6507% | 932 |
| Assets per employee ($millions) | 3.3350% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,861 |
| Loan loss allowance to noncurrent loans | 39.0041% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8066% | 3,750 |
| Noncurrent loans to loans | 2.8622% | 2,796 |
| Net loans and leases to total assets | 62.4138% | 4,602 |
| Net loans and leases to deposits | 69.2046% | 5,387 |
| Net loans and leases to core deposits | 75.4645% | 5,253 |
| Total domestic deposits to total assets | 90.1874% | 823 |
| Equity capital to assets | 9.3403% | 4,944 |
| Core capital (leverage) ratio | 9.4554% | 3,887 |
| Tier 1 risk-based capital ratio | 13.4492% | 4,102 |
| Total risk-based capital ratio | 14.4704% | 4,227 |
| Memoranda: | ||
| Average total assets | $13,217,000 | 7,764 |
| Average earning assets | $11,313,330 | 7,757 |
| Average equity | $1,244,330 | 7,776 |
| Average total loans | $8,956,000 | 7,591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 3,999 |
| Cost of funding earning assets | 1.6507% | 2,645 |
| Net interest margin | 3.5525% | 4,938 |
| Noninterest income to average assets | 0.2128% | 6,444 |
| Noninterest expense to average assets | 3.1014% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1216% | 5,958 |
| Return on assets (ROA) | 0.1216% | 6,074 |
| Pretax return on assets | 0.1216% | 6,082 |
| Return on Equity (ROE) | 1.2867% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.2867% | 5,296 |
| Net charge-offs to loans | -0.0867% | 7,493 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2264% | 1,010 |
| Assets per employee ($millions) | 3.2488% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 6,308 |
| Loan loss allowance to noncurrent loans | 32.5088% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 2.3855% | 3,042 |
| Noncurrent loans to loans | 3.1812% | 2,512 |
| Net loans and leases to total assets | 67.7491% | 3,448 |
| Net loans and leases to deposits | 75.2479% | 4,540 |
| Net loans and leases to core deposits | 82.2650% | 4,446 |
| Total domestic deposits to total assets | 90.0346% | 971 |
| Equity capital to assets | 9.5729% | 4,419 |
| Core capital (leverage) ratio | 9.1742% | 4,266 |
| Tier 1 risk-based capital ratio | 12.1906% | 5,002 |
| Total risk-based capital ratio | 13.0943% | 5,299 |
| Memoranda: | ||
| Average total assets | $13,155,500 | 7,865 |
| Average earning assets | $11,147,000 | 7,863 |
| Average equity | $1,243,500 | 7,861 |
| Average total loans | $9,224,000 | 7,680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4607% | 4,387 |
| Cost of funding earning assets | 1.9635% | 3,133 |
| Net interest margin | 3.4972% | 4,966 |
| Noninterest income to average assets | 0.1112% | 7,204 |
| Noninterest expense to average assets | 3.0700% | 3,872 |
| Loan and lease loss provision to assets | 0.8305% | 2,646 |
| Net operating income to assets | -0.6377% | 6,304 |
| Return on assets (ROA) | -0.6377% | 6,301 |
| Pretax return on assets | -0.7119% | 6,204 |
| Return on Equity (ROE) | -7.6978% | 6,442 |
| Retained earnings to average equity (ytd only) | -7.6978% | 6,308 |
| Net charge-offs to loans | 1.0267% | 2,358 |
| Credit loss provision to net charge-offs | 115.4639% | 4,721 |
| Earnings coverage of net charge-offs (x) | 0.1649% | 5,989 |
| Efficiency ratio | 96.2791% | 1,302 |
| Assets per employee ($millions) | 3.3290% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 6,668 |
| Loan loss allowance to noncurrent loans | 38.7931% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 1.9450% | 3,461 |
| Noncurrent loans to loans | 2.4288% | 3,124 |
| Net loans and leases to total assets | 71.0574% | 2,981 |
| Net loans and leases to deposits | 78.7450% | 4,223 |
| Net loans and leases to core deposits | 90.5108% | 5,065 |
| Total domestic deposits to total assets | 90.2373% | 861 |
| Equity capital to assets | 9.3346% | 4,660 |
| Core capital (leverage) ratio | 9.3691% | 3,873 |
| Tier 1 risk-based capital ratio | 11.4135% | 5,489 |
| Total risk-based capital ratio | 12.2440% | 5,888 |
| Memoranda: | ||
| Average total assets | $13,485,200 | 7,927 |
| Average earning assets | $11,866,600 | 7,919 |
| Average equity | $1,117,200 | 7,969 |
| Average total loans | $9,447,800 | 7,725 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4879% | 4,480 |
| Cost of funding earning assets | 2.0178% | 3,262 |
| Net interest margin | 3.4701% | 4,991 |
| Noninterest income to average assets | 0.3746% | 5,516 |
| Noninterest expense to average assets | 2.9371% | 4,288 |
| Loan and lease loss provision to assets | 0.6899% | 2,671 |
| Net operating income to assets | -0.2070% | 6,074 |
| Return on assets (ROA) | -0.2070% | 6,087 |
| Pretax return on assets | -0.1676% | 5,930 |
| Return on Equity (ROE) | -2.5789% | 6,175 |
| Retained earnings to average equity (ytd only) | -2.5789% | 5,837 |
| Net charge-offs to loans | 0.8491% | 2,268 |
| Credit loss provision to net charge-offs | 116.6667% | 4,354 |
| Earnings coverage of net charge-offs (x) | 0.8833% | 5,179 |
| Efficiency ratio | 84.9003% | 2,196 |
| Assets per employee ($millions) | 3.2345% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 6,658 |
| Loan loss allowance to noncurrent loans | 29.2096% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 2.2492% | 3,040 |
| Noncurrent loans to loans | 3.1610% | 2,392 |
| Net loans and leases to total assets | 70.4978% | 3,392 |
| Net loans and leases to deposits | 77.2639% | 4,849 |
| Net loans and leases to core deposits | 90.1819% | 5,417 |
| Total domestic deposits to total assets | 91.2429% | 330 |
| Equity capital to assets | 8.2316% | 6,597 |
| Core capital (leverage) ratio | 7.9594% | 6,431 |
| Tier 1 risk-based capital ratio | 10.0487% | 6,929 |
| Total risk-based capital ratio | 10.8606% | 7,262 |
| Memoranda: | ||
| Average total assets | $13,527,500 | 8,004 |
| Average earning assets | $12,026,000 | 7,993 |
| Average equity | $1,085,750 | 8,055 |
| Average total loans | $9,421,750 | 7,804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5187% | 4,519 |
| Cost of funding earning assets | 2.0882% | 3,326 |
| Net interest margin | 3.4306% | 5,060 |
| Noninterest income to average assets | 0.4080% | 5,214 |
| Noninterest expense to average assets | 2.8855% | 4,557 |
| Loan and lease loss provision to assets | 1.0201% | 1,659 |
| Net operating income to assets | -0.4809% | 6,531 |
| Return on assets (ROA) | -0.4809% | 6,540 |
| Pretax return on assets | -0.4809% | 6,406 |
| Return on Equity (ROE) | -6.0403% | 6,714 |
| Retained earnings to average equity (ytd only) | -6.0403% | 6,457 |
| Net charge-offs to loans | 1.1797% | 1,547 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 0.6607% | 5,043 |
| Efficiency ratio | 84.2553% | 2,450 |
| Assets per employee ($millions) | 3.4150% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,518 |
| Loan loss allowance to noncurrent loans | 78.7611% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 5,337 |
| Noncurrent loans to loans | 1.2153% | 4,783 |
| Net loans and leases to total assets | 67.4158% | 4,272 |
| Net loans and leases to deposits | 73.6249% | 5,518 |
| Net loans and leases to core deposits | 86.6566% | 5,839 |
| Total domestic deposits to total assets | 91.5666% | 302 |
| Equity capital to assets | 7.7599% | 7,019 |
| Core capital (leverage) ratio | 7.5968% | 6,910 |
| Tier 1 risk-based capital ratio | 9.6843% | 7,244 |
| Total risk-based capital ratio | 10.5131% | 7,553 |
| Memoranda: | ||
| Average total assets | $13,724,000 | 8,093 |
| Average earning assets | $12,068,000 | 8,083 |
| Average equity | $1,092,670 | 8,146 |
| Average total loans | $9,493,670 | 7,882 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6059% | 4,318 |
| Cost of funding earning assets | 2.1309% | 3,514 |
| Net interest margin | 3.4750% | 4,827 |
| Noninterest income to average assets | 0.3199% | 5,889 |
| Noninterest expense to average assets | 2.8787% | 4,236 |
| Loan and lease loss provision to assets | 0.2908% | 3,629 |
| Net operating income to assets | 0.0872% | 6,020 |
| Return on assets (ROA) | 0.0872% | 6,184 |
| Pretax return on assets | 0.2326% | 5,867 |
| Return on Equity (ROE) | 1.0821% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.0821% | 5,206 |
| Net charge-offs to loans | -0.0834% | 7,833 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 2,240 |
| Assets per employee ($millions) | 3.3860% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,707 |
| Loan loss allowance to noncurrent loans | 61.2676% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 4,593 |
| Noncurrent loans to loans | 1.4836% | 4,074 |
| Net loans and leases to total assets | 70.0236% | 3,664 |
| Net loans and leases to deposits | 76.7562% | 5,119 |
| Net loans and leases to core deposits | 93.0169% | 5,258 |
| Total domestic deposits to total assets | 91.2286% | 341 |
| Equity capital to assets | 8.1438% | 6,606 |
| Core capital (leverage) ratio | 7.7377% | 6,842 |
| Tier 1 risk-based capital ratio | 9.5297% | 7,401 |
| Total risk-based capital ratio | 10.3002% | 7,787 |
| Memoranda: | ||
| Average total assets | $13,756,000 | 8,148 |
| Average earning assets | $12,201,500 | 8,133 |
| Average equity | $1,109,000 | 8,197 |
| Average total loans | $9,591,500 | 7,928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3608% | 3,637 |
| Cost of funding earning assets | 2.6935% | 3,183 |
| Net interest margin | 3.6673% | 4,611 |
| Noninterest income to average assets | 0.2629% | 6,573 |
| Noninterest expense to average assets | 2.9426% | 4,287 |
| Loan and lease loss provision to assets | 0.1533% | 5,401 |
| Net operating income to assets | 0.5206% | 4,650 |
| Return on assets (ROA) | 0.5403% | 4,418 |
| Pretax return on assets | 0.5987% | 4,697 |
| Return on Equity (ROE) | 6.8709% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.8709% | 1,196 |
| Net charge-offs to loans | 0.2497% | 3,777 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 4.7619% | 3,871 |
| Efficiency ratio | 80.1193% | 2,581 |
| Assets per employee ($millions) | 3.4920% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 7,172 |
| Loan loss allowance to noncurrent loans | 52.4476% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 4,267 |
| Noncurrent loans to loans | 1.4877% | 3,570 |
| Net loans and leases to total assets | 68.2775% | 4,414 |
| Net loans and leases to deposits | 74.8117% | 5,757 |
| Net loans and leases to core deposits | 89.2643% | 5,869 |
| Total domestic deposits to total assets | 91.2658% | 259 |
| Equity capital to assets | 7.9825% | 6,867 |
| Core capital (leverage) ratio | 7.9423% | 6,583 |
| Tier 1 risk-based capital ratio | 9.5099% | 7,290 |
| Total risk-based capital ratio | 10.1746% | 7,851 |
| Memoranda: | ||
| Average total assets | $13,695,400 | 8,192 |
| Average earning assets | $12,734,200 | 8,172 |
| Average equity | $1,077,000 | 8,265 |
| Average total loans | $8,410,400 | 8,016 |