Home > Bank of Cattaraugus > Performance and Condition Ratios
Bank of Cattaraugus, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2434% | 895 |
| Cost of funding earning assets | 0.4603% | 4,304 |
| Net interest margin | 5.7830% | 112 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 4.5832% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9888% | 2,302 |
| Return on assets (ROA) | 0.9888% | 2,301 |
| Pretax return on assets | 1.0957% | 2,514 |
| Return on Equity (ROE) | 9.4900% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.4872% | 1,308 |
| Net charge-offs to loans | -0.0241% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 80.7059% | 905 |
| Assets per employee ($millions) | 3.7501% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,060 |
| Loan loss allowance to noncurrent loans | 106.7358% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 1,029 |
| Noncurrent loans to loans | 1.1473% | 934 |
| Net loans and leases to total assets | 49.2300% | 3,607 |
| Net loans and leases to deposits | 54.3646% | 3,716 |
| Net loans and leases to core deposits | 54.3646% | 3,874 |
| Total domestic deposits to total assets | 90.5600% | 640 |
| Equity capital to assets | 9.3538% | 2,681 |
| Core capital (leverage) ratio | 10.7333% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8873% | 896 |
| Memoranda: | ||
| Average total assets | $29,935,500 | 4,339 |
| Average earning assets | $27,805,500 | 4,313 |
| Average equity | $3,120,000 | 4,350 |
| Average total loans | $16,566,500 | 4,242 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2132% | 1,011 |
| Cost of funding earning assets | 0.4835% | 4,317 |
| Net interest margin | 5.7297% | 143 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 4.6350% | 273 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.8412% | 2,574 |
| Return on assets (ROA) | 0.8412% | 2,582 |
| Pretax return on assets | 0.9310% | 2,717 |
| Return on Equity (ROE) | 8.4600% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.4564% | 966 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 83.0751% | 849 |
| Assets per employee ($millions) | 2.9022% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 1,880 |
| Loan loss allowance to noncurrent loans | 170.8333% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 1,074 |
| Noncurrent loans to loans | 0.7357% | 1,347 |
| Net loans and leases to total assets | 61.6600% | 2,785 |
| Net loans and leases to deposits | 70.4118% | 2,922 |
| Net loans and leases to core deposits | 70.4118% | 3,338 |
| Total domestic deposits to total assets | 87.5700% | 1,677 |
| Equity capital to assets | 11.8032% | 1,259 |
| Core capital (leverage) ratio | 10.8495% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8919% | 901 |
| Memoranda: | ||
| Average total assets | $30,075,200 | 4,358 |
| Average earning assets | $27,715,200 | 4,335 |
| Average equity | $2,991,800 | 4,371 |
| Average total loans | $14,909,400 | 4,278 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0097% | 1,239 |
| Cost of funding earning assets | 0.4612% | 4,352 |
| Net interest margin | 5.5485% | 181 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 4.1419% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1288% | 1,681 |
| Return on assets (ROA) | 1.1288% | 1,686 |
| Pretax return on assets | 1.2576% | 1,868 |
| Return on Equity (ROE) | 11.8100% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.8106% | 531 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 76.7091% | 1,336 |
| Assets per employee ($millions) | 4.2664% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 1,633 |
| Loan loss allowance to noncurrent loans | 103.0769% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 803 |
| Noncurrent loans to loans | 1.2789% | 777 |
| Net loans and leases to total assets | 50.3800% | 3,613 |
| Net loans and leases to deposits | 56.2610% | 3,738 |
| Net loans and leases to core deposits | 56.2610% | 3,898 |
| Total domestic deposits to total assets | 89.5500% | 727 |
| Equity capital to assets | 10.3566% | 2,069 |
| Core capital (leverage) ratio | 11.5290% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0769% | 784 |
| Memoranda: | ||
| Average total assets | $31,064,000 | 4,383 |
| Average earning assets | $28,619,500 | 4,360 |
| Average equity | $2,969,000 | 4,401 |
| Average total loans | $14,559,000 | 4,303 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1600% | 956 |
| Cost of funding earning assets | 0.4760% | 4,356 |
| Net interest margin | 5.6841% | 160 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 4.0428% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2840% | 1,292 |
| Return on assets (ROA) | 1.2840% | 1,301 |
| Pretax return on assets | 1.4747% | 1,332 |
| Return on Equity (ROE) | 13.8000% | 1,194 |
| Retained earnings to average equity (ytd only) | 13.7994% | 374 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.2719% | 1,723 |
| Assets per employee ($millions) | 3.6280% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 1,583 |
| Loan loss allowance to noncurrent loans | 143.5714% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 998 |
| Noncurrent loans to loans | 0.9321% | 1,008 |
| Net loans and leases to total assets | 51.0600% | 3,590 |
| Net loans and leases to deposits | 57.0774% | 3,704 |
| Net loans and leases to core deposits | 57.0774% | 3,863 |
| Total domestic deposits to total assets | 89.4500% | 860 |
| Equity capital to assets | 10.4465% | 1,838 |
| Core capital (leverage) ratio | 9.5202% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8932% | 796 |
| Memoranda: | ||
| Average total assets | $31,463,667 | 4,403 |
| Average earning assets | $28,993,333 | 4,378 |
| Average equity | $2,927,667 | 4,417 |
| Average total loans | $14,329,333 | 4,329 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 1,642 |
| Cost of funding earning assets | 0.3957% | 4,396 |
| Net interest margin | 5.1967% | 260 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 3.8062% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1137% | 1,631 |
| Return on assets (ROA) | 1.1137% | 1,640 |
| Pretax return on assets | 1.2606% | 1,729 |
| Return on Equity (ROE) | 12.6600% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.6587% | 645 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 75.1208% | 1,628 |
| Assets per employee ($millions) | 4.2330% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,240 |
| Loan loss allowance to noncurrent loans | 73.0909% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 600 |
| Noncurrent loans to loans | 1.9734% | 335 |
| Net loans and leases to total assets | 40.5600% | 4,008 |
| Net loans and leases to deposits | 44.4480% | 4,080 |
| Net loans and leases to core deposits | 44.4480% | 4,193 |
| Total domestic deposits to total assets | 91.2400% | 471 |
| Equity capital to assets | 8.6257% | 2,936 |
| Core capital (leverage) ratio | 9.5218% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4118% | 753 |
| Memoranda: | ||
| Average total assets | $32,683,500 | 4,428 |
| Average earning assets | $30,327,000 | 4,396 |
| Average equity | $2,875,500 | 4,444 |
| Average total loans | $13,984,000 | 4,358 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1207% | 550 |
| Cost of funding earning assets | 0.3747% | 4,311 |
| Net interest margin | 5.7460% | 144 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 4.3177% | 299 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0716% | 2,006 |
| Return on assets (ROA) | 1.0716% | 1,971 |
| Pretax return on assets | 1.2102% | 2,115 |
| Return on Equity (ROE) | 12.6000% | 1,821 |
| Retained earnings to average equity (ytd only) | 12.5982% | 561 |
| Net charge-offs to loans | -0.0149% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.9231% | 1,169 |
| Assets per employee ($millions) | 3.9379% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,270 |
| Loan loss allowance to noncurrent loans | 126.4151% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 772 |
| Noncurrent loans to loans | 1.1330% | 635 |
| Net loans and leases to total assets | 43.9100% | 3,907 |
| Net loans and leases to deposits | 48.2826% | 3,986 |
| Net loans and leases to core deposits | 48.2826% | 4,117 |
| Total domestic deposits to total assets | 90.9400% | 526 |
| Equity capital to assets | 8.9833% | 2,686 |
| Core capital (leverage) ratio | 8.6986% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9407% | 800 |
| Memoranda: | ||
| Average total assets | $31,729,600 | 4,453 |
| Average earning assets | $29,359,400 | 4,421 |
| Average equity | $2,698,800 | 4,444 |
| Average total loans | $13,460,400 | 4,373 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0226% | 517 |
| Cost of funding earning assets | 0.3580% | 4,308 |
| Net interest margin | 5.6646% | 149 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.8632% | 391 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.3171% | 1,505 |
| Return on assets (ROA) | 1.3171% | 1,489 |
| Pretax return on assets | 1.5562% | 1,456 |
| Return on Equity (ROE) | 15.7000% | 1,305 |
| Retained earnings to average equity (ytd only) | 15.7035% | 488 |
| Net charge-offs to loans | -0.0200% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.8256% | 1,803 |
| Assets per employee ($millions) | 3.7900% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,242 |
| Loan loss allowance to noncurrent loans | 130.5195% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 951 |
| Noncurrent loans to loans | 1.1136% | 706 |
| Net loans and leases to total assets | 39.9500% | 4,058 |
| Net loans and leases to deposits | 43.6305% | 4,117 |
| Net loans and leases to core deposits | 43.6305% | 4,181 |
| Total domestic deposits to total assets | 91.5700% | 543 |
| Equity capital to assets | 8.2205% | 2,904 |
| Core capital (leverage) ratio | 8.1417% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2207% | 792 |
| Memoranda: | ||
| Average total assets | $31,786,250 | 4,476 |
| Average earning assets | $29,421,750 | 4,445 |
| Average equity | $2,666,000 | 4,468 |
| Average total loans | $13,317,250 | 4,395 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0074% | 436 |
| Cost of funding earning assets | 0.1954% | 4,434 |
| Net interest margin | 5.8120% | 124 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 3.8631% | 382 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.6187% | 916 |
| Return on assets (ROA) | 1.6187% | 918 |
| Pretax return on assets | 1.8574% | 925 |
| Return on Equity (ROE) | 19.1600% | 811 |
| Retained earnings to average equity (ytd only) | 19.1603% | 280 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1456% | 1,969 |
| Assets per employee ($millions) | 3.9777% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,333 |
| Loan loss allowance to noncurrent loans | 96.4706% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 630 |
| Noncurrent loans to loans | 1.2668% | 562 |
| Net loans and leases to total assets | 47.6100% | 3,709 |
| Net loans and leases to deposits | 52.9266% | 3,800 |
| Net loans and leases to core deposits | 52.9266% | 3,922 |
| Total domestic deposits to total assets | 89.9500% | 930 |
| Equity capital to assets | 9.8405% | 1,949 |
| Core capital (leverage) ratio | 8.3672% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8596% | 835 |
| Memoranda: | ||
| Average total assets | $31,011,667 | 4,506 |
| Average earning assets | $28,664,667 | 4,478 |
| Average equity | $2,620,000 | 4,500 |
| Average total loans | $13,146,667 | 4,422 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 699 |
| Cost of funding earning assets | 0.1586% | 4,443 |
| Net interest margin | 5.2586% | 209 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 3.7060% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4481% | 1,291 |
| Return on assets (ROA) | 1.4481% | 1,263 |
| Pretax return on assets | 1.4481% | 1,773 |
| Return on Equity (ROE) | 18.4400% | 968 |
| Retained earnings to average equity (ytd only) | 18.4375% | 482 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.9048% | 1,538 |
| Assets per employee ($millions) | 4.3453% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,970 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 758 |
| Noncurrent loans to loans | 1.3146% | 509 |
| Net loans and leases to total assets | 37.1400% | 4,149 |
| Net loans and leases to deposits | 40.2068% | 4,219 |
| Net loans and leases to core deposits | 40.2068% | 4,266 |
| Total domestic deposits to total assets | 92.3800% | 424 |
| Equity capital to assets | 7.5024% | 3,556 |
| Core capital (leverage) ratio | 7.4986% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3891% | 932 |
| Memoranda: | ||
| Average total assets | $32,595,500 | 4,559 |
| Average earning assets | $30,274,000 | 4,533 |
| Average equity | $2,560,000 | 4,566 |
| Average total loans | $13,010,000 | 4,482 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 526 |
| Cost of funding earning assets | 0.0706% | 4,506 |
| Net interest margin | 4.6164% | 240 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.8661% | 364 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7576% | 3,464 |
| Return on assets (ROA) | 0.7576% | 3,402 |
| Pretax return on assets | 0.8294% | 3,551 |
| Return on Equity (ROE) | 9.6600% | 2,916 |
| Retained earnings to average equity (ytd only) | 9.6586% | 1,254 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.9296% | 654 |
| Assets per employee ($millions) | 3.8036% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,585 |
| Loan loss allowance to noncurrent loans | 119.0476% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 835 |
| Noncurrent loans to loans | 0.9740% | 753 |
| Net loans and leases to total assets | 42.0200% | 3,978 |
| Net loans and leases to deposits | 45.9119% | 4,060 |
| Net loans and leases to core deposits | 45.9119% | 4,121 |
| Total domestic deposits to total assets | 91.5200% | 778 |
| Equity capital to assets | 8.2553% | 2,889 |
| Core capital (leverage) ratio | 7.5910% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3980% | 910 |
| Memoranda: | ||
| Average total assets | $30,625,000 | 4,604 |
| Average earning assets | $28,311,800 | 4,575 |
| Average equity | $2,402,000 | 4,652 |
| Average total loans | $11,631,800 | 4,533 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 745 |
| Cost of funding earning assets | 0.0423% | 4,607 |
| Net interest margin | 4.2525% | 368 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 3.5730% | 458 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8215% | 3,167 |
| Return on assets (ROA) | 0.8215% | 3,131 |
| Pretax return on assets | 0.8259% | 3,517 |
| Return on Equity (ROE) | 10.6100% | 2,538 |
| Retained earnings to average equity (ytd only) | 10.6125% | 1,166 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.4305% | 748 |
| Assets per employee ($millions) | 4.3759% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,202 |
| Loan loss allowance to noncurrent loans | 148.3516% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 1,297 |
| Noncurrent loans to loans | 0.7141% | 1,146 |
| Net loans and leases to total assets | 36.0200% | 4,226 |
| Net loans and leases to deposits | 38.7969% | 4,279 |
| Net loans and leases to core deposits | 38.7969% | 4,319 |
| Total domestic deposits to total assets | 92.8400% | 621 |
| Equity capital to assets | 7.0529% | 3,484 |
| Core capital (leverage) ratio | 7.4231% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3225% | 945 |
| Memoranda: | ||
| Average total assets | $30,674,000 | 4,640 |
| Average earning assets | $28,374,500 | 4,608 |
| Average equity | $2,374,500 | 4,692 |
| Average total loans | $11,305,750 | 4,574 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 710 |
| Cost of funding earning assets | 0.0443% | 4,626 |
| Net interest margin | 4.0974% | 404 |
| Noninterest income to average assets | 0.6432% | 1,575 |
| Noninterest expense to average assets | 3.5786% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8553% | 2,753 |
| Return on assets (ROA) | 0.8553% | 2,730 |
| Pretax return on assets | 0.8621% | 3,168 |
| Return on Equity (ROE) | 10.6701% | 2,107 |
| Retained earnings to average equity (ytd only) | 10.6701% | 854 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5855% | 901 |
| Assets per employee ($millions) | 3.6249% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,225 |
| Loan loss allowance to noncurrent loans | 63.4518% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 804 |
| Noncurrent loans to loans | 1.7050% | 411 |
| Net loans and leases to total assets | 39.4117% | 4,106 |
| Net loans and leases to deposits | 43.0390% | 4,154 |
| Net loans and leases to core deposits | 43.0390% | 4,224 |
| Total domestic deposits to total assets | 91.5721% | 1,011 |
| Equity capital to assets | 8.2934% | 2,916 |
| Core capital (leverage) ratio | 7.5468% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2879% | 815 |
| Memoranda: | ||
| Average total assets | $29,229,667 | 4,687 |
| Average earning assets | $27,090,667 | 4,666 |
| Average equity | $2,343,000 | 4,722 |
| Average total loans | $10,826,333 | 4,643 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 917 |
| Cost of funding earning assets | 0.0441% | 4,640 |
| Net interest margin | 3.8618% | 553 |
| Noninterest income to average assets | 0.9951% | 685 |
| Noninterest expense to average assets | 3.7076% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8724% | 2,403 |
| Return on assets (ROA) | 0.8724% | 2,391 |
| Pretax return on assets | 0.8724% | 2,881 |
| Return on Equity (ROE) | 11.0727% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.0727% | 773 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 1,075 |
| Assets per employee ($millions) | 4.1044% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,089 |
| Loan loss allowance to noncurrent loans | 178.5714% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 2,363 |
| Noncurrent loans to loans | 0.6449% | 1,461 |
| Net loans and leases to total assets | 32.6755% | 4,349 |
| Net loans and leases to deposits | 35.2337% | 4,409 |
| Net loans and leases to core deposits | 35.2337% | 4,450 |
| Total domestic deposits to total assets | 92.7395% | 334 |
| Equity capital to assets | 7.1387% | 4,140 |
| Core capital (leverage) ratio | 8.0814% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5544% | 690 |
| Memoranda: | ||
| Average total assets | $29,345,000 | 4,710 |
| Average earning assets | $27,241,500 | 4,691 |
| Average equity | $2,312,000 | 4,749 |
| Average total loans | $10,462,500 | 4,672 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 1,094 |
| Cost of funding earning assets | 0.0477% | 4,696 |
| Net interest margin | 4.0935% | 606 |
| Noninterest income to average assets | 0.3065% | 3,571 |
| Noninterest expense to average assets | 3.6160% | 422 |
| Loan and lease loss provision to assets | 0.0328% | 2,394 |
| Net operating income to assets | 0.4123% | 4,256 |
| Return on assets (ROA) | 0.4123% | 4,294 |
| Pretax return on assets | 0.4160% | 4,376 |
| Return on Equity (ROE) | 5.0841% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.0841% | 2,751 |
| Net charge-offs to loans | 0.1414% | 662 |
| Credit loss provision to net charge-offs | 64.2857% | 2,042 |
| Earnings coverage of net charge-offs (x) | 8.7857% | 2,288 |
| Efficiency ratio | 88.9587% | 358 |
| Assets per employee ($millions) | 3.2319% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,667 |
| Loan loss allowance to noncurrent loans | 176.0563% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 2,178 |
| Noncurrent loans to loans | 0.7050% | 1,435 |
| Net loans and leases to total assets | 38.4684% | 4,160 |
| Net loans and leases to deposits | 42.2730% | 4,264 |
| Net loans and leases to core deposits | 42.2730% | 4,334 |
| Total domestic deposits to total assets | 90.9998% | 491 |
| Equity capital to assets | 8.8184% | 3,794 |
| Core capital (leverage) ratio | 8.0313% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7310% | 683 |
| Memoranda: | ||
| Average total assets | $27,406,200 | 4,759 |
| Average earning assets | $25,161,600 | 4,744 |
| Average equity | $2,222,600 | 4,803 |
| Average total loans | $9,902,600 | 4,728 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 1,474 |
| Cost of funding earning assets | 0.0470% | 4,785 |
| Net interest margin | 3.9801% | 823 |
| Noninterest income to average assets | 0.3118% | 3,565 |
| Noninterest expense to average assets | 3.5019% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4605% | 4,277 |
| Return on assets (ROA) | 0.4605% | 4,315 |
| Pretax return on assets | 0.4653% | 4,411 |
| Return on Equity (ROE) | 5.7963% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.7963% | 2,916 |
| Net charge-offs to loans | 0.1893% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 2,159 |
| Efficiency ratio | 88.2709% | 366 |
| Assets per employee ($millions) | 3.5275% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,073 |
| Loan loss allowance to noncurrent loans | 236.7347% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,965 |
| Noncurrent loans to loans | 0.4991% | 2,061 |
| Net loans and leases to total assets | 34.3763% | 4,452 |
| Net loans and leases to deposits | 37.4094% | 4,530 |
| Net loans and leases to core deposits | 37.4094% | 4,584 |
| Total domestic deposits to total assets | 91.8923% | 149 |
| Equity capital to assets | 8.0191% | 4,514 |
| Core capital (leverage) ratio | 8.2489% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2127% | 672 |
| Memoranda: | ||
| Average total assets | $27,794,000 | 4,827 |
| Average earning assets | $25,526,500 | 4,812 |
| Average equity | $2,208,250 | 4,876 |
| Average total loans | $9,860,500 | 4,802 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 1,686 |
| Cost of funding earning assets | 0.0474% | 4,837 |
| Net interest margin | 3.9003% | 972 |
| Noninterest income to average assets | 0.3110% | 3,570 |
| Noninterest expense to average assets | 3.5151% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3616% | 4,451 |
| Return on assets (ROA) | 0.3616% | 4,486 |
| Pretax return on assets | 0.3689% | 4,530 |
| Return on Equity (ROE) | 4.5662% | 4,222 |
| Retained earnings to average equity (ytd only) | 4.5662% | 3,338 |
| Net charge-offs to loans | 0.2430% | 360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 2,037 |
| Efficiency ratio | 90.5028% | 331 |
| Assets per employee ($millions) | 3.5584% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,002 |
| Loan loss allowance to noncurrent loans | 421.4286% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 3,558 |
| Noncurrent loans to loans | 0.2821% | 2,926 |
| Net loans and leases to total assets | 34.4574% | 4,524 |
| Net loans and leases to deposits | 37.3990% | 4,597 |
| Net loans and leases to core deposits | 37.3990% | 4,638 |
| Total domestic deposits to total assets | 92.1348% | 103 |
| Equity capital to assets | 7.7880% | 4,637 |
| Core capital (leverage) ratio | 7.4742% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8594% | 719 |
| Memoranda: | ||
| Average total assets | $27,652,000 | 4,862 |
| Average earning assets | $25,331,333 | 4,847 |
| Average equity | $2,190,000 | 4,912 |
| Average total loans | $9,875,000 | 4,838 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 1,692 |
| Cost of funding earning assets | 0.0482% | 4,872 |
| Net interest margin | 3.9068% | 974 |
| Noninterest income to average assets | 0.3083% | 3,565 |
| Noninterest expense to average assets | 3.5971% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2790% | 4,544 |
| Return on assets (ROA) | 0.2790% | 4,575 |
| Pretax return on assets | 0.2790% | 4,620 |
| Return on Equity (ROE) | 3.4918% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.4918% | 3,634 |
| Net charge-offs to loans | 0.4874% | 170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 1,841 |
| Efficiency ratio | 92.8030% | 307 |
| Assets per employee ($millions) | 3.4191% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,945 |
| Loan loss allowance to noncurrent loans | 231.3725% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 3,333 |
| Noncurrent loans to loans | 0.5180% | 2,301 |
| Net loans and leases to total assets | 31.6132% | 4,642 |
| Net loans and leases to deposits | 34.0604% | 4,726 |
| Net loans and leases to core deposits | 34.0604% | 4,757 |
| Total domestic deposits to total assets | 92.8149% | 45 |
| Equity capital to assets | 7.1039% | 4,820 |
| Core capital (leverage) ratio | 8.4103% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6767% | 716 |
| Memoranda: | ||
| Average total assets | $27,244,500 | 4,890 |
| Average earning assets | $24,880,000 | 4,877 |
| Average equity | $2,176,500 | 4,939 |
| Average total loans | $9,849,000 | 4,865 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,033 |
| Cost of funding earning assets | 0.0976% | 4,866 |
| Net interest margin | 4.5363% | 308 |
| Noninterest income to average assets | 0.3286% | 3,490 |
| Noninterest expense to average assets | 4.0080% | 381 |
| Loan and lease loss provision to assets | 0.0203% | 4,135 |
| Net operating income to assets | 0.4462% | 4,148 |
| Return on assets (ROA) | 0.4462% | 4,227 |
| Pretax return on assets | 0.4503% | 4,353 |
| Return on Equity (ROE) | 5.1818% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.1818% | 2,198 |
| Net charge-offs to loans | 0.0493% | 2,092 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,815 |
| Efficiency ratio | 89.4928% | 392 |
| Assets per employee ($millions) | 2.6352% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,316 |
| Loan loss allowance to noncurrent loans | 361.1111% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 3,520 |
| Noncurrent loans to loans | 0.3654% | 2,892 |
| Net loans and leases to total assets | 40.9917% | 4,398 |
| Net loans and leases to deposits | 45.1661% | 4,492 |
| Net loans and leases to core deposits | 45.1661% | 4,564 |
| Total domestic deposits to total assets | 90.7577% | 289 |
| Equity capital to assets | 9.1369% | 3,945 |
| Core capital (leverage) ratio | 8.5231% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7742% | 684 |
| Memoranda: | ||
| Average total assets | $24,651,000 | 4,917 |
| Average earning assets | $22,551,600 | 4,904 |
| Average equity | $2,122,800 | 4,963 |
| Average total loans | $10,151,200 | 4,890 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,281 |
| Cost of funding earning assets | 0.1108% | 4,905 |
| Net interest margin | 4.4976% | 376 |
| Noninterest income to average assets | 0.3322% | 3,494 |
| Noninterest expense to average assets | 3.8470% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5894% | 3,797 |
| Return on assets (ROA) | 0.5894% | 3,895 |
| Pretax return on assets | 0.6162% | 4,076 |
| Return on Equity (ROE) | 6.9451% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.9451% | 1,722 |
| Net charge-offs to loans | 0.0652% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,814 |
| Efficiency ratio | 86.1945% | 492 |
| Assets per employee ($millions) | 2.8061% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,549 |
| Loan loss allowance to noncurrent loans | 73.5294% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 1,713 |
| Noncurrent loans to loans | 1.6618% | 832 |
| Net loans and leases to total assets | 40.0119% | 4,566 |
| Net loans and leases to deposits | 43.8110% | 4,667 |
| Net loans and leases to core deposits | 43.8110% | 4,715 |
| Total domestic deposits to total assets | 91.3284% | 120 |
| Equity capital to assets | 8.5805% | 4,418 |
| Core capital (leverage) ratio | 9.0541% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8734% | 799 |
| Memoranda: | ||
| Average total assets | $24,884,500 | 4,940 |
| Average earning assets | $22,856,250 | 4,932 |
| Average equity | $2,111,750 | 4,994 |
| Average total loans | $10,226,000 | 4,922 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,558 |
| Cost of funding earning assets | 0.1492% | 4,882 |
| Net interest margin | 4.4927% | 514 |
| Noninterest income to average assets | 0.3312% | 3,487 |
| Noninterest expense to average assets | 3.8286% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6058% | 3,719 |
| Return on assets (ROA) | 0.6058% | 3,796 |
| Pretax return on assets | 0.6381% | 3,991 |
| Return on Equity (ROE) | 7.1656% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.1656% | 1,587 |
| Net charge-offs to loans | -0.0196% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 552 |
| Assets per employee ($millions) | 2.6173% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,207 |
| Loan loss allowance to noncurrent loans | 93.5714% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 2,027 |
| Noncurrent loans to loans | 1.3464% | 1,141 |
| Net loans and leases to total assets | 43.5855% | 4,475 |
| Net loans and leases to deposits | 47.9722% | 4,595 |
| Net loans and leases to core deposits | 47.9722% | 4,667 |
| Total domestic deposits to total assets | 90.8558% | 186 |
| Equity capital to assets | 9.0508% | 4,045 |
| Core capital (leverage) ratio | 7.8887% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3105% | 866 |
| Memoranda: | ||
| Average total assets | $24,761,000 | 4,973 |
| Average earning assets | $22,792,333 | 4,960 |
| Average equity | $2,093,333 | 5,025 |
| Average total loans | $10,224,667 | 4,957 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 2,010 |
| Cost of funding earning assets | 0.2212% | 4,840 |
| Net interest margin | 4.3739% | 659 |
| Noninterest income to average assets | 0.3154% | 3,629 |
| Noninterest expense to average assets | 3.7850% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5520% | 3,732 |
| Return on assets (ROA) | 0.5520% | 3,795 |
| Pretax return on assets | 0.5835% | 3,944 |
| Return on Equity (ROE) | 6.7502% | 3,047 |
| Retained earnings to average equity (ytd only) | 6.7502% | 1,628 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6426% | 661 |
| Assets per employee ($millions) | 3.2146% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,302 |
| Loan loss allowance to noncurrent loans | 173.3333% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 3,416 |
| Noncurrent loans to loans | 0.7307% | 2,171 |
| Net loans and leases to total assets | 35.0282% | 4,812 |
| Net loans and leases to deposits | 37.7866% | 4,869 |
| Net loans and leases to core deposits | 37.7866% | 4,903 |
| Total domestic deposits to total assets | 92.6999% | 18 |
| Equity capital to assets | 7.2310% | 5,055 |
| Core capital (leverage) ratio | 8.5395% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7599% | 893 |
| Memoranda: | ||
| Average total assets | $25,363,500 | 5,013 |
| Average earning assets | $23,503,000 | 5,001 |
| Average equity | $2,074,000 | 5,073 |
| Average total loans | $10,138,000 | 4,996 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 1,439 |
| Cost of funding earning assets | 0.2588% | 4,829 |
| Net interest margin | 4.7555% | 422 |
| Noninterest income to average assets | 0.3517% | 3,596 |
| Noninterest expense to average assets | 4.0994% | 471 |
| Loan and lease loss provision to assets | 0.0084% | 3,842 |
| Net operating income to assets | 0.5067% | 4,391 |
| Return on assets (ROA) | 0.5067% | 4,442 |
| Pretax return on assets | 0.5527% | 4,488 |
| Return on Equity (ROE) | 6.0301% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.0301% | 1,848 |
| Net charge-offs to loans | 0.0218% | 2,978 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 909 |
| Efficiency ratio | 87.9605% | 443 |
| Assets per employee ($millions) | 2.4218% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 1,933 |
| Loan loss allowance to noncurrent loans | 295.4545% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 3,658 |
| Noncurrent loans to loans | 0.4395% | 2,873 |
| Net loans and leases to total assets | 45.3386% | 4,543 |
| Net loans and leases to deposits | 50.1192% | 4,685 |
| Net loans and leases to core deposits | 50.1192% | 4,760 |
| Total domestic deposits to total assets | 90.4616% | 202 |
| Equity capital to assets | 9.4329% | 4,401 |
| Core capital (leverage) ratio | 8.5631% | 4,809 |
| Tier 1 risk-based capital ratio | 18.9738% | 1,521 |
| Total risk-based capital ratio | 20.1735% | 1,498 |
| Memoranda: | ||
| Average total assets | $23,881,800 | 5,084 |
| Average earning assets | $21,638,200 | 5,072 |
| Average equity | $2,006,600 | 5,138 |
| Average total loans | $9,158,600 | 5,068 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 1,777 |
| Cost of funding earning assets | 0.2542% | 4,916 |
| Net interest margin | 4.6595% | 541 |
| Noninterest income to average assets | 0.3551% | 3,598 |
| Noninterest expense to average assets | 3.8737% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6174% | 4,253 |
| Return on assets (ROA) | 0.6174% | 4,299 |
| Pretax return on assets | 0.6884% | 4,371 |
| Return on Equity (ROE) | 7.5547% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.5547% | 1,595 |
| Net charge-offs to loans | 0.0298% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 62.9213% | 1,031 |
| Efficiency ratio | 84.9102% | 557 |
| Assets per employee ($millions) | 2.6586% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 1,910 |
| Loan loss allowance to noncurrent loans | 60.0939% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 1,531 |
| Noncurrent loans to loans | 2.1860% | 585 |
| Net loans and leases to total assets | 40.1889% | 4,809 |
| Net loans and leases to deposits | 44.0051% | 4,909 |
| Net loans and leases to core deposits | 44.0051% | 4,960 |
| Total domestic deposits to total assets | 91.3278% | 70 |
| Equity capital to assets | 8.5635% | 4,972 |
| Core capital (leverage) ratio | 9.0018% | 4,635 |
| Tier 1 risk-based capital ratio | 18.8535% | 1,598 |
| Total risk-based capital ratio | 20.0313% | 1,583 |
| Memoranda: | ||
| Average total assets | $24,403,250 | 5,157 |
| Average earning assets | $22,033,250 | 5,146 |
| Average equity | $1,994,250 | 5,215 |
| Average total loans | $8,945,250 | 5,152 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 1,693 |
| Cost of funding earning assets | 0.2713% | 4,900 |
| Net interest margin | 4.6488% | 553 |
| Noninterest income to average assets | 0.3420% | 3,649 |
| Noninterest expense to average assets | 3.7456% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6840% | 4,052 |
| Return on assets (ROA) | 0.6840% | 4,110 |
| Pretax return on assets | 0.7817% | 4,133 |
| Return on Equity (ROE) | 8.5020% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.5020% | 1,204 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7338% | 749 |
| Assets per employee ($millions) | 3.0115% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,527 |
| Loan loss allowance to noncurrent loans | 152.9412% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 3,122 |
| Noncurrent loans to loans | 0.9288% | 1,761 |
| Net loans and leases to total assets | 37.4481% | 4,929 |
| Net loans and leases to deposits | 40.9328% | 5,032 |
| Net loans and leases to core deposits | 40.9328% | 5,065 |
| Total domestic deposits to total assets | 91.4868% | 60 |
| Equity capital to assets | 8.3845% | 5,085 |
| Core capital (leverage) ratio | 7.5166% | 5,230 |
| Tier 1 risk-based capital ratio | 19.0261% | 1,550 |
| Total risk-based capital ratio | 20.2505% | 1,521 |
| Memoranda: | ||
| Average total assets | $24,562,000 | 5,202 |
| Average earning assets | $22,113,000 | 5,195 |
| Average equity | $1,976,000 | 5,261 |
| Average total loans | $8,679,000 | 5,205 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 2,448 |
| Cost of funding earning assets | 0.2278% | 5,049 |
| Net interest margin | 4.3984% | 908 |
| Noninterest income to average assets | 0.3226% | 3,705 |
| Noninterest expense to average assets | 3.7263% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5807% | 4,300 |
| Return on assets (ROA) | 0.5807% | 4,335 |
| Pretax return on assets | 0.6452% | 4,431 |
| Return on Equity (ROE) | 7.3695% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.3695% | 1,894 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2399% | 627 |
| Assets per employee ($millions) | 3.5430% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,291 |
| Loan loss allowance to noncurrent loans | 49.0566% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 1,506 |
| Noncurrent loans to loans | 3.0850% | 343 |
| Net loans and leases to total assets | 29.8476% | 5,151 |
| Net loans and leases to deposits | 32.1087% | 5,193 |
| Net loans and leases to core deposits | 32.1087% | 5,212 |
| Total domestic deposits to total assets | 92.9579% | 23 |
| Equity capital to assets | 6.9574% | 5,311 |
| Core capital (leverage) ratio | 8.1511% | 5,159 |
| Tier 1 risk-based capital ratio | 19.8790% | 1,357 |
| Total risk-based capital ratio | 21.1290% | 1,336 |
| Memoranda: | ||
| Average total assets | $24,797,000 | 5,256 |
| Average earning assets | $22,826,500 | 5,241 |
| Average equity | $1,954,000 | 5,314 |
| Average total loans | $8,442,500 | 5,268 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 1,486 |
| Cost of funding earning assets | 0.2020% | 4,991 |
| Net interest margin | 4.6226% | 575 |
| Noninterest income to average assets | 0.3137% | 4,021 |
| Noninterest expense to average assets | 4.0951% | 473 |
| Loan and lease loss provision to assets | 0.0087% | 3,954 |
| Net operating income to assets | 0.4618% | 4,744 |
| Return on assets (ROA) | 0.4618% | 4,741 |
| Pretax return on assets | 0.4966% | 4,802 |
| Return on Equity (ROE) | 5.6025% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.6025% | 2,412 |
| Net charge-offs to loans | 0.1173% | 1,574 |
| Credit loss provision to net charge-offs | 20.0000% | 3,402 |
| Earnings coverage of net charge-offs (x) | 11.6000% | 2,614 |
| Efficiency ratio | 89.0152% | 387 |
| Assets per employee ($millions) | 2.6563% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 1,104 |
| Loan loss allowance to noncurrent loans | 149.4253% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 2,918 |
| Noncurrent loans to loans | 1.0488% | 1,557 |
| Net loans and leases to total assets | 38.4235% | 4,999 |
| Net loans and leases to deposits | 42.3101% | 5,070 |
| Net loans and leases to core deposits | 42.3101% | 5,118 |
| Total domestic deposits to total assets | 90.8141% | 248 |
| Equity capital to assets | 9.1106% | 4,478 |
| Core capital (leverage) ratio | 8.1667% | 5,184 |
| Tier 1 risk-based capital ratio | 20.5433% | 1,218 |
| Total risk-based capital ratio | 21.7848% | 1,192 |
| Memoranda: | ||
| Average total assets | $22,954,000 | 5,316 |
| Average earning assets | $21,286,800 | 5,301 |
| Average equity | $1,892,000 | 5,365 |
| Average total loans | $8,524,400 | 5,313 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,628 |
| Cost of funding earning assets | 0.1837% | 5,081 |
| Net interest margin | 4.5316% | 693 |
| Noninterest income to average assets | 0.3593% | 3,731 |
| Noninterest expense to average assets | 3.9178% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5189% | 4,718 |
| Return on assets (ROA) | 0.5189% | 4,720 |
| Pretax return on assets | 0.6615% | 4,619 |
| Return on Equity (ROE) | 6.4503% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.4503% | 2,410 |
| Net charge-offs to loans | 0.1398% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.8883% | 2,413 |
| Efficiency ratio | 85.5542% | 538 |
| Assets per employee ($millions) | 2.9001% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,253 |
| Loan loss allowance to noncurrent loans | 252.9412% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,843 |
| Noncurrent loans to loans | 0.6055% | 2,566 |
| Net loans and leases to total assets | 35.7485% | 5,152 |
| Net loans and leases to deposits | 39.0416% | 5,226 |
| Net loans and leases to core deposits | 39.0416% | 5,251 |
| Total domestic deposits to total assets | 91.5650% | 123 |
| Equity capital to assets | 8.2798% | 5,045 |
| Core capital (leverage) ratio | 8.7089% | 4,949 |
| Tier 1 risk-based capital ratio | 20.2296% | 1,291 |
| Total risk-based capital ratio | 21.4722% | 1,271 |
| Memoranda: | ||
| Average total assets | $23,380,000 | 5,384 |
| Average earning assets | $21,772,500 | 5,367 |
| Average equity | $1,881,000 | 5,436 |
| Average total loans | $8,581,750 | 5,381 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 1,351 |
| Cost of funding earning assets | 0.1645% | 5,180 |
| Net interest margin | 4.5974% | 552 |
| Noninterest income to average assets | 0.3498% | 3,823 |
| Noninterest expense to average assets | 3.8055% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6570% | 4,329 |
| Return on assets (ROA) | 0.6570% | 4,333 |
| Pretax return on assets | 0.8362% | 4,147 |
| Return on Equity (ROE) | 8.2456% | 3,394 |
| Retained earnings to average equity (ytd only) | 8.2456% | 1,520 |
| Net charge-offs to loans | 0.2085% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.8889% | 2,304 |
| Efficiency ratio | 81.9853% | 837 |
| Assets per employee ($millions) | 2.9081% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,325 |
| Loan loss allowance to noncurrent loans | 56.5789% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 1,539 |
| Noncurrent loans to loans | 2.6906% | 452 |
| Net loans and leases to total assets | 35.8693% | 5,184 |
| Net loans and leases to deposits | 39.1361% | 5,266 |
| Net loans and leases to core deposits | 39.1361% | 5,302 |
| Total domestic deposits to total assets | 91.6527% | 128 |
| Equity capital to assets | 8.1969% | 5,135 |
| Core capital (leverage) ratio | 7.4315% | 5,447 |
| Tier 1 risk-based capital ratio | 19.5992% | 1,404 |
| Total risk-based capital ratio | 20.8428% | 1,369 |
| Memoranda: | ||
| Average total assets | $23,439,670 | 5,446 |
| Average earning assets | $21,882,000 | 5,430 |
| Average equity | $1,867,670 | 5,499 |
| Average total loans | $8,634,670 | 5,438 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 1,645 |
| Cost of funding earning assets | 0.1458% | 5,289 |
| Net interest margin | 4.4293% | 719 |
| Noninterest income to average assets | 0.3400% | 3,876 |
| Noninterest expense to average assets | 3.6894% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6121% | 4,389 |
| Return on assets (ROA) | 0.6121% | 4,395 |
| Pretax return on assets | 0.7821% | 4,198 |
| Return on Equity (ROE) | 7.7922% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.7922% | 1,921 |
| Net charge-offs to loans | 0.4590% | 330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,285 |
| Efficiency ratio | 82.5095% | 905 |
| Assets per employee ($millions) | 3.4435% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,586 |
| Loan loss allowance to noncurrent loans | 150.5882% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,604 |
| Noncurrent loans to loans | 0.9750% | 1,868 |
| Net loans and leases to total assets | 31.1819% | 5,342 |
| Net loans and leases to deposits | 33.4854% | 5,402 |
| Net loans and leases to core deposits | 33.4854% | 5,419 |
| Total domestic deposits to total assets | 93.1211% | 37 |
| Equity capital to assets | 6.7736% | 5,528 |
| Core capital (leverage) ratio | 8.3207% | 5,247 |
| Tier 1 risk-based capital ratio | 18.8238% | 1,597 |
| Total risk-based capital ratio | 20.0646% | 1,559 |
| Memoranda: | ||
| Average total assets | $23,527,000 | 5,503 |
| Average earning assets | $21,945,000 | 5,486 |
| Average equity | $1,848,000 | 5,558 |
| Average total loans | $8,715,000 | 5,497 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 606 |
| Cost of funding earning assets | 0.1253% | 5,387 |
| Net interest margin | 4.9117% | 278 |
| Noninterest income to average assets | 0.4528% | 3,293 |
| Noninterest expense to average assets | 4.3883% | 346 |
| Loan and lease loss provision to assets | 0.0337% | 3,589 |
| Net operating income to assets | 0.5540% | 4,214 |
| Return on assets (ROA) | 0.5540% | 4,243 |
| Pretax return on assets | 0.5636% | 4,818 |
| Return on Equity (ROE) | 6.4767% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.4767% | 1,290 |
| Net charge-offs to loans | -0.0118% | 4,831 |
| Credit loss provision to net charge-offs | -700.0000% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0193% | 532 |
| Assets per employee ($millions) | 2.4383% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 1,174 |
| Loan loss allowance to noncurrent loans | 363.1579% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 4,162 |
| Noncurrent loans to loans | 0.4362% | 3,221 |
| Net loans and leases to total assets | 43.9557% | 4,977 |
| Net loans and leases to deposits | 48.5586% | 5,106 |
| Net loans and leases to core deposits | 48.5586% | 5,178 |
| Total domestic deposits to total assets | 90.5209% | 390 |
| Equity capital to assets | 9.3817% | 4,353 |
| Core capital (leverage) ratio | 8.4375% | 5,189 |
| Tier 1 risk-based capital ratio | 18.5730% | 1,627 |
| Total risk-based capital ratio | 19.8214% | 1,576 |
| Memoranda: | ||
| Average total assets | $20,759,600 | 5,597 |
| Average earning assets | $19,158,400 | 5,578 |
| Average equity | $1,775,600 | 5,625 |
| Average total loans | $8,457,600 | 5,566 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 745 |
| Cost of funding earning assets | 0.1164% | 5,493 |
| Net interest margin | 4.7941% | 340 |
| Noninterest income to average assets | 0.4302% | 3,473 |
| Noninterest expense to average assets | 4.1062% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6390% | 4,232 |
| Return on assets (ROA) | 0.6390% | 4,287 |
| Pretax return on assets | 0.7529% | 4,476 |
| Return on Equity (ROE) | 7.6425% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.6425% | 1,374 |
| Net charge-offs to loans | -0.0158% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5052% | 720 |
| Assets per employee ($millions) | 2.6226% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,519 |
| Loan loss allowance to noncurrent loans | 177.0270% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 3,626 |
| Noncurrent loans to loans | 0.8497% | 2,242 |
| Net loans and leases to total assets | 40.8846% | 5,162 |
| Net loans and leases to deposits | 44.8429% | 5,293 |
| Net loans and leases to core deposits | 44.8429% | 5,347 |
| Total domestic deposits to total assets | 91.1730% | 147 |
| Equity capital to assets | 8.6555% | 5,182 |
| Core capital (leverage) ratio | 9.2530% | 4,461 |
| Tier 1 risk-based capital ratio | 18.4160% | 1,753 |
| Total risk-based capital ratio | 19.6633% | 1,708 |
| Memoranda: | ||
| Average total assets | $21,073,000 | 5,655 |
| Average earning assets | $19,467,750 | 5,637 |
| Average equity | $1,762,000 | 5,693 |
| Average total loans | $8,394,000 | 5,630 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 762 |
| Cost of funding earning assets | 0.1125% | 5,550 |
| Net interest margin | 4.7467% | 358 |
| Noninterest income to average assets | 0.4075% | 3,645 |
| Noninterest expense to average assets | 4.1415% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5686% | 4,433 |
| Return on assets (ROA) | 0.5686% | 4,487 |
| Pretax return on assets | 0.6634% | 4,654 |
| Return on Equity (ROE) | 6.8807% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.8807% | 1,651 |
| Net charge-offs to loans | -0.0241% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1933% | 679 |
| Assets per employee ($millions) | 2.5580% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,499 |
| Loan loss allowance to noncurrent loans | 436.6667% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 4,587 |
| Noncurrent loans to loans | 0.3495% | 3,782 |
| Net loans and leases to total assets | 41.3067% | 5,180 |
| Net loans and leases to deposits | 45.2831% | 5,304 |
| Net loans and leases to core deposits | 45.2831% | 5,359 |
| Total domestic deposits to total assets | 91.2187% | 171 |
| Equity capital to assets | 8.6787% | 5,167 |
| Core capital (leverage) ratio | 7.6621% | 5,617 |
| Tier 1 risk-based capital ratio | 18.2014% | 1,795 |
| Total risk-based capital ratio | 19.4524% | 1,761 |
| Memoranda: | ||
| Average total assets | $21,103,670 | 5,700 |
| Average earning assets | $19,550,330 | 5,687 |
| Average equity | $1,744,000 | 5,745 |
| Average total loans | $8,289,000 | 5,680 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 994 |
| Cost of funding earning assets | 0.1207% | 5,557 |
| Net interest margin | 4.5482% | 483 |
| Noninterest income to average assets | 0.3921% | 3,723 |
| Noninterest expense to average assets | 4.0890% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4481% | 4,789 |
| Return on assets (ROA) | 0.4481% | 4,809 |
| Pretax return on assets | 0.5228% | 4,923 |
| Return on Equity (ROE) | 5.5556% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.5556% | 2,564 |
| Net charge-offs to loans | -0.0491% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6640% | 623 |
| Assets per employee ($millions) | 3.0390% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,474 |
| Loan loss allowance to noncurrent loans | 2,183.3333% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 5,227 |
| Noncurrent loans to loans | 0.0715% | 4,913 |
| Net loans and leases to total assets | 33.9668% | 5,471 |
| Net loans and leases to deposits | 36.6127% | 5,565 |
| Net loans and leases to core deposits | 36.6127% | 5,609 |
| Total domestic deposits to total assets | 92.7731% | 43 |
| Equity capital to assets | 7.1570% | 5,738 |
| Core capital (leverage) ratio | 8.2203% | 5,430 |
| Tier 1 risk-based capital ratio | 18.0901% | 1,843 |
| Total risk-based capital ratio | 19.3384% | 1,807 |
| Memoranda: | ||
| Average total assets | $21,423,500 | 5,767 |
| Average earning assets | $19,876,000 | 5,751 |
| Average equity | $1,728,000 | 5,810 |
| Average total loans | $8,141,500 | 5,751 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,235 |
| Cost of funding earning assets | 0.1258% | 5,584 |
| Net interest margin | 4.4931% | 635 |
| Noninterest income to average assets | 0.4496% | 3,548 |
| Noninterest expense to average assets | 4.1565% | 504 |
| Loan and lease loss provision to assets | 0.0096% | 4,178 |
| Net operating income to assets | 0.3540% | 5,073 |
| Return on assets (ROA) | 0.3540% | 5,158 |
| Pretax return on assets | 0.3827% | 5,253 |
| Return on Equity (ROE) | 4.4042% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.4042% | 2,780 |
| Net charge-offs to loans | 0.0891% | 2,425 |
| Credit loss provision to net charge-offs | 28.5714% | 3,604 |
| Earnings coverage of net charge-offs (x) | 11.7143% | 2,514 |
| Efficiency ratio | 91.3775% | 492 |
| Assets per employee ($millions) | 2.3169% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 1,264 |
| Loan loss allowance to noncurrent loans | 220.3390% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 4,001 |
| Noncurrent loans to loans | 0.7474% | 2,660 |
| Net loans and leases to total assets | 41.8883% | 5,238 |
| Net loans and leases to deposits | 46.1950% | 5,361 |
| Net loans and leases to core deposits | 46.1950% | 5,421 |
| Total domestic deposits to total assets | 90.6771% | 392 |
| Equity capital to assets | 9.2582% | 4,510 |
| Core capital (leverage) ratio | 7.7595% | 5,694 |
| Tier 1 risk-based capital ratio | 18.3246% | 1,770 |
| Total risk-based capital ratio | 19.5747% | 1,735 |
| Memoranda: | ||
| Average total assets | $20,906,800 | 5,827 |
| Average earning assets | $19,073,600 | 5,820 |
| Average equity | $1,680,200 | 5,877 |
| Average total loans | $7,858,800 | 5,816 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 1,685 |
| Cost of funding earning assets | 0.1226% | 5,663 |
| Net interest margin | 4.3310% | 876 |
| Noninterest income to average assets | 0.4403% | 3,630 |
| Noninterest expense to average assets | 3.9503% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3659% | 5,126 |
| Return on assets (ROA) | 0.3659% | 5,209 |
| Pretax return on assets | 0.4341% | 5,253 |
| Return on Equity (ROE) | 4.7067% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.7067% | 3,008 |
| Net charge-offs to loans | 0.2378% | 986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.9989% | 3,189 |
| Efficiency ratio | 90.0990% | 552 |
| Assets per employee ($millions) | 2.6676% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,686 |
| Loan loss allowance to noncurrent loans | 288.0952% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 2,818 |
| Noncurrent loans to loans | 0.5282% | 3,410 |
| Net loans and leases to total assets | 36.6899% | 5,520 |
| Net loans and leases to deposits | 39.9001% | 5,636 |
| Net loans and leases to core deposits | 39.9001% | 5,683 |
| Total domestic deposits to total assets | 91.9545% | 77 |
| Equity capital to assets | 7.9753% | 5,748 |
| Core capital (leverage) ratio | 8.3591% | 5,458 |
| Tier 1 risk-based capital ratio | 21.0526% | 1,260 |
| Total risk-based capital ratio | 22.3034% | 1,240 |
| Memoranda: | ||
| Average total assets | $21,499,750 | 5,886 |
| Average earning assets | $19,579,250 | 5,871 |
| Average equity | $1,671,250 | 5,943 |
| Average total loans | $7,850,000 | 5,878 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 1,727 |
| Cost of funding earning assets | 0.1226% | 5,743 |
| Net interest margin | 4.3112% | 901 |
| Noninterest income to average assets | 0.3897% | 3,953 |
| Noninterest expense to average assets | 3.9345% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3155% | 5,276 |
| Return on assets (ROA) | 0.3155% | 5,365 |
| Pretax return on assets | 0.3712% | 5,390 |
| Return on Equity (ROE) | 4.0939% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.0939% | 3,298 |
| Net charge-offs to loans | -0.0256% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3793% | 525 |
| Assets per employee ($millions) | 2.6359% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 1,197 |
| Loan loss allowance to noncurrent loans | 51.7110% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.7546% | 997 |
| Noncurrent loans to loans | 3.3593% | 401 |
| Net loans and leases to total assets | 36.4822% | 5,586 |
| Net loans and leases to deposits | 39.6587% | 5,703 |
| Net loans and leases to core deposits | 39.6587% | 5,757 |
| Total domestic deposits to total assets | 91.9903% | 86 |
| Equity capital to assets | 7.9528% | 5,820 |
| Core capital (leverage) ratio | 7.2470% | 5,920 |
| Tier 1 risk-based capital ratio | 17.9605% | 1,939 |
| Total risk-based capital ratio | 19.2044% | 1,905 |
| Memoranda: | ||
| Average total assets | $21,552,670 | 5,958 |
| Average earning assets | $19,577,000 | 5,945 |
| Average equity | $1,661,000 | 6,017 |
| Average total loans | $7,816,330 | 5,956 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,143 |
| Cost of funding earning assets | 0.1222% | 5,799 |
| Net interest margin | 4.1767% | 1,150 |
| Noninterest income to average assets | 0.3672% | 4,096 |
| Noninterest expense to average assets | 3.7640% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3121% | 5,270 |
| Return on assets (ROA) | 0.3121% | 5,355 |
| Pretax return on assets | 0.3672% | 5,366 |
| Return on Equity (ROE) | 4.1137% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.1137% | 3,429 |
| Net charge-offs to loans | -0.0512% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1111% | 603 |
| Assets per employee ($millions) | 3.1694% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 1,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 3,906 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 30.0217% | 5,828 |
| Net loans and leases to deposits | 32.1331% | 5,898 |
| Net loans and leases to core deposits | 32.1331% | 5,916 |
| Total domestic deposits to total assets | 93.4293% | 32 |
| Equity capital to assets | 6.5510% | 6,041 |
| Core capital (leverage) ratio | 8.0921% | 5,723 |
| Tier 1 risk-based capital ratio | 23.8218% | 930 |
| Total risk-based capital ratio | 25.0718% | 924 |
| Memoranda: | ||
| Average total assets | $21,785,500 | 6,017 |
| Average earning assets | $19,632,500 | 6,005 |
| Average equity | $1,653,000 | 6,077 |
| Average total loans | $7,810,000 | 6,013 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 644 |
| Cost of funding earning assets | 0.1262% | 5,846 |
| Net interest margin | 4.8589% | 323 |
| Noninterest income to average assets | 0.6103% | 2,672 |
| Noninterest expense to average assets | 4.5489% | 398 |
| Loan and lease loss provision to assets | 0.0104% | 4,196 |
| Net operating income to assets | 0.3808% | 5,104 |
| Return on assets (ROA) | 0.3808% | 5,191 |
| Pretax return on assets | 0.4695% | 5,175 |
| Return on Equity (ROE) | 4.5280% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.5280% | 2,763 |
| Net charge-offs to loans | 0.0251% | 3,737 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 1,061 |
| Efficiency ratio | 90.4564% | 662 |
| Assets per employee ($millions) | 2.2770% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 1,325 |
| Loan loss allowance to noncurrent loans | 1,227.2727% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 3,109 |
| Noncurrent loans to loans | 0.1397% | 4,934 |
| Net loans and leases to total assets | 42.4736% | 5,377 |
| Net loans and leases to deposits | 46.7069% | 5,532 |
| Net loans and leases to core deposits | 46.7069% | 5,617 |
| Total domestic deposits to total assets | 90.9365% | 296 |
| Equity capital to assets | 9.0305% | 5,094 |
| Core capital (leverage) ratio | 8.1447% | 5,740 |
| Tier 1 risk-based capital ratio | 18.3927% | 1,859 |
| Total risk-based capital ratio | 19.6369% | 1,811 |
| Memoranda: | ||
| Average total assets | $19,169,600 | 6,102 |
| Average earning assets | $17,431,800 | 6,092 |
| Average equity | $1,612,200 | 6,135 |
| Average total loans | $7,969,800 | 6,063 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 816 |
| Cost of funding earning assets | 0.1284% | 5,926 |
| Net interest margin | 4.7440% | 422 |
| Noninterest income to average assets | 0.4877% | 3,462 |
| Noninterest expense to average assets | 4.2868% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3847% | 5,215 |
| Return on assets (ROA) | 0.3847% | 5,298 |
| Pretax return on assets | 0.5152% | 5,185 |
| Return on Equity (ROE) | 4.6546% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.6546% | 3,163 |
| Net charge-offs to loans | 0.0334% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 37.4532% | 1,310 |
| Efficiency ratio | 89.2704% | 746 |
| Assets per employee ($millions) | 2.4879% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 1,502 |
| Loan loss allowance to noncurrent loans | 84.1772% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5274% | 1,465 |
| Noncurrent loans to loans | 2.0048% | 1,155 |
| Net loans and leases to total assets | 38.9288% | 5,648 |
| Net loans and leases to deposits | 42.4153% | 5,789 |
| Net loans and leases to core deposits | 42.4153% | 5,845 |
| Total domestic deposits to total assets | 91.7801% | 116 |
| Equity capital to assets | 8.1847% | 5,881 |
| Core capital (leverage) ratio | 8.8826% | 5,139 |
| Tier 1 risk-based capital ratio | 18.1716% | 1,989 |
| Total risk-based capital ratio | 19.4137% | 1,954 |
| Memoranda: | ||
| Average total assets | $19,408,000 | 6,185 |
| Average earning assets | $17,650,000 | 6,172 |
| Average equity | $1,604,000 | 6,223 |
| Average total loans | $7,994,250 | 6,145 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 672 |
| Cost of funding earning assets | 0.1257% | 6,013 |
| Net interest margin | 4.8123% | 352 |
| Noninterest income to average assets | 0.4469% | 3,729 |
| Noninterest expense to average assets | 4.2301% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4469% | 4,977 |
| Return on assets (ROA) | 0.4469% | 5,082 |
| Pretax return on assets | 0.5924% | 4,992 |
| Return on Equity (ROE) | 5.3896% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.3896% | 2,610 |
| Net charge-offs to loans | 0.0498% | 2,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,415 |
| Efficiency ratio | 87.7155% | 925 |
| Assets per employee ($millions) | 2.3276% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 1,628 |
| Loan loss allowance to noncurrent loans | 309.3023% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 2,483 |
| Noncurrent loans to loans | 0.5460% | 3,816 |
| Net loans and leases to total assets | 41.5821% | 5,532 |
| Net loans and leases to deposits | 45.5471% | 5,703 |
| Net loans and leases to core deposits | 45.5471% | 5,786 |
| Total domestic deposits to total assets | 91.2948% | 231 |
| Equity capital to assets | 8.6784% | 5,543 |
| Core capital (leverage) ratio | 7.5620% | 6,084 |
| Tier 1 risk-based capital ratio | 18.0727% | 2,047 |
| Total risk-based capital ratio | 19.3179% | 2,001 |
| Memoranda: | ||
| Average total assets | $19,243,000 | 6,266 |
| Average earning assets | $17,496,670 | 6,248 |
| Average equity | $1,595,670 | 6,299 |
| Average total loans | $8,032,000 | 6,218 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 799 |
| Cost of funding earning assets | 0.1119% | 6,148 |
| Net interest margin | 4.7213% | 397 |
| Noninterest income to average assets | 0.4091% | 3,928 |
| Noninterest expense to average assets | 4.0912% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4705% | 4,797 |
| Return on assets (ROA) | 0.4705% | 4,917 |
| Pretax return on assets | 0.6341% | 4,813 |
| Return on Equity (ROE) | 5.8026% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.8026% | 2,604 |
| Net charge-offs to loans | 0.0493% | 2,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,130 |
| Efficiency ratio | 86.5801% | 1,127 |
| Assets per employee ($millions) | 2.4804% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 1,829 |
| Loan loss allowance to noncurrent loans | 326.8293% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 2,988 |
| Noncurrent loans to loans | 0.5098% | 4,051 |
| Net loans and leases to total assets | 35.4238% | 5,852 |
| Net loans and leases to deposits | 38.1605% | 5,978 |
| Net loans and leases to core deposits | 38.1605% | 6,033 |
| Total domestic deposits to total assets | 92.8283% | 72 |
| Equity capital to assets | 7.1537% | 6,245 |
| Core capital (leverage) ratio | 8.4211% | 5,601 |
| Tier 1 risk-based capital ratio | 17.7231% | 2,230 |
| Total risk-based capital ratio | 18.9707% | 2,198 |
| Memoranda: | ||
| Average total assets | $19,554,000 | 6,330 |
| Average earning assets | $17,876,500 | 6,310 |
| Average equity | $1,585,500 | 6,367 |
| Average total loans | $8,110,000 | 6,280 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 686 |
| Cost of funding earning assets | 0.1267% | 6,214 |
| Net interest margin | 4.9365% | 337 |
| Noninterest income to average assets | 0.5522% | 3,164 |
| Noninterest expense to average assets | 4.4835% | 469 |
| Loan and lease loss provision to assets | 0.0273% | 4,059 |
| Net operating income to assets | 0.3827% | 5,280 |
| Return on assets (ROA) | 0.3827% | 5,348 |
| Pretax return on assets | 0.5140% | 5,216 |
| Return on Equity (ROE) | 4.5325% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.5325% | 2,945 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2274% | 894 |
| Assets per employee ($millions) | 2.0980% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 1,924 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 2,070 |
| Noncurrent loans to loans | 1.4674% | 2,000 |
| Net loans and leases to total assets | 47.9206% | 5,164 |
| Net loans and leases to deposits | 52.8936% | 5,417 |
| Net loans and leases to core deposits | 52.8936% | 5,573 |
| Total domestic deposits to total assets | 90.5982% | 497 |
| Equity capital to assets | 9.3780% | 4,881 |
| Core capital (leverage) ratio | 8.3757% | 5,695 |
| Tier 1 risk-based capital ratio | 18.0104% | 2,132 |
| Total risk-based capital ratio | 19.2639% | 2,096 |
| Memoranda: | ||
| Average total assets | $18,289,400 | 6,430 |
| Average earning assets | $16,570,600 | 6,416 |
| Average equity | $1,544,400 | 6,454 |
| Average total loans | $8,127,200 | 6,366 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 836 |
| Cost of funding earning assets | 0.1260% | 6,304 |
| Net interest margin | 4.8274% | 404 |
| Noninterest income to average assets | 0.5429% | 3,245 |
| Noninterest expense to average assets | 4.2358% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5143% | 4,824 |
| Return on assets (ROA) | 0.5143% | 4,885 |
| Pretax return on assets | 0.6857% | 4,747 |
| Return on Equity (ROE) | 6.2459% | 4,105 |
| Retained earnings to average equity (ytd only) | 6.2459% | 2,253 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0668% | 1,178 |
| Assets per employee ($millions) | 2.3291% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 2,314 |
| Loan loss allowance to noncurrent loans | 650.0000% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 3,782 |
| Noncurrent loans to loans | 0.2456% | 5,163 |
| Net loans and leases to total assets | 43.0043% | 5,597 |
| Net loans and leases to deposits | 46.9916% | 5,821 |
| Net loans and leases to core deposits | 46.9916% | 5,924 |
| Total domestic deposits to total assets | 91.5151% | 231 |
| Equity capital to assets | 8.4581% | 5,826 |
| Core capital (leverage) ratio | 9.1421% | 4,863 |
| Tier 1 risk-based capital ratio | 17.9845% | 2,215 |
| Total risk-based capital ratio | 19.2428% | 2,171 |
| Memoranda: | ||
| Average total assets | $18,665,750 | 6,507 |
| Average earning assets | $16,930,750 | 6,491 |
| Average equity | $1,537,000 | 6,532 |
| Average total loans | $8,114,500 | 6,439 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9288% | 862 |
| Cost of funding earning assets | 0.1179% | 6,421 |
| Net interest margin | 4.8108% | 407 |
| Noninterest income to average assets | 0.4819% | 3,619 |
| Noninterest expense to average assets | 4.3048% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4069% | 5,194 |
| Return on assets (ROA) | 0.4069% | 5,276 |
| Pretax return on assets | 0.5461% | 5,144 |
| Return on Equity (ROE) | 4.9869% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.9869% | 2,966 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7417% | 1,021 |
| Assets per employee ($millions) | 2.1870% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 2,528 |
| Loan loss allowance to noncurrent loans | 619.0476% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 3,780 |
| Noncurrent loans to loans | 0.2559% | 5,247 |
| Net loans and leases to total assets | 46.1648% | 5,345 |
| Net loans and leases to deposits | 50.6458% | 5,586 |
| Net loans and leases to core deposits | 50.6458% | 5,758 |
| Total domestic deposits to total assets | 91.1523% | 365 |
| Equity capital to assets | 8.8134% | 5,509 |
| Core capital (leverage) ratio | 7.6749% | 6,256 |
| Tier 1 risk-based capital ratio | 17.7186% | 2,344 |
| Total risk-based capital ratio | 18.9693% | 2,313 |
| Memoranda: | ||
| Average total assets | $18,676,670 | 6,573 |
| Average earning assets | $16,961,670 | 6,556 |
| Average equity | $1,524,000 | 6,599 |
| Average total loans | $8,105,000 | 6,501 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 1,230 |
| Cost of funding earning assets | 0.1133% | 6,517 |
| Net interest margin | 4.5981% | 554 |
| Noninterest income to average assets | 0.4775% | 3,582 |
| Noninterest expense to average assets | 4.0899% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4567% | 4,907 |
| Return on assets (ROA) | 0.4567% | 4,975 |
| Pretax return on assets | 0.6021% | 4,822 |
| Return on Equity (ROE) | 5.8086% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.8086% | 2,642 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1681% | 1,323 |
| Assets per employee ($millions) | 2.7858% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 2,766 |
| Loan loss allowance to noncurrent loans | 650.0000% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 5,980 |
| Noncurrent loans to loans | 0.2438% | 5,378 |
| Net loans and leases to total assets | 36.2200% | 6,059 |
| Net loans and leases to deposits | 38.8937% | 6,209 |
| Net loans and leases to core deposits | 38.8937% | 6,277 |
| Total domestic deposits to total assets | 93.1257% | 102 |
| Equity capital to assets | 6.8473% | 6,479 |
| Core capital (leverage) ratio | 8.1755% | 5,971 |
| Tier 1 risk-based capital ratio | 16.2613% | 3,033 |
| Total risk-based capital ratio | 17.5097% | 2,989 |
| Memoranda: | ||
| Average total assets | $19,267,000 | 6,637 |
| Average earning assets | $17,659,500 | 6,614 |
| Average equity | $1,515,000 | 6,665 |
| Average total loans | $8,054,000 | 6,573 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3378% | 492 |
| Cost of funding earning assets | 0.1389% | 6,577 |
| Net interest margin | 5.1989% | 214 |
| Noninterest income to average assets | 0.8803% | 1,752 |
| Noninterest expense to average assets | 4.7736% | 418 |
| Loan and lease loss provision to assets | 0.0591% | 3,958 |
| Net operating income to assets | 0.5731% | 4,393 |
| Return on assets (ROA) | 0.5731% | 4,505 |
| Pretax return on assets | 0.6912% | 4,576 |
| Return on Equity (ROE) | 6.6795% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.6795% | 1,586 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4171% | 1,373 |
| Assets per employee ($millions) | 2.0310% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 2,596 |
| Loan loss allowance to noncurrent loans | 619.0476% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 5,930 |
| Noncurrent loans to loans | 0.2656% | 5,388 |
| Net loans and leases to total assets | 47.8582% | 5,308 |
| Net loans and leases to deposits | 52.7759% | 5,565 |
| Net loans and leases to core deposits | 52.7759% | 5,740 |
| Total domestic deposits to total assets | 90.6819% | 712 |
| Equity capital to assets | 9.2565% | 4,740 |
| Core capital (leverage) ratio | 8.3146% | 5,858 |
| Tier 1 risk-based capital ratio | 16.5378% | 2,835 |
| Total risk-based capital ratio | 17.7927% | 2,807 |
| Memoranda: | ||
| Average total assets | $16,926,400 | 6,744 |
| Average earning assets | $15,118,600 | 6,734 |
| Average equity | $1,452,200 | 6,762 |
| Average total loans | $7,739,000 | 6,663 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 560 |
| Cost of funding earning assets | 0.1402% | 6,672 |
| Net interest margin | 5.1250% | 243 |
| Noninterest income to average assets | 0.5693% | 3,339 |
| Noninterest expense to average assets | 4.5078% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4679% | 4,941 |
| Return on assets (ROA) | 0.4679% | 5,086 |
| Pretax return on assets | 0.6239% | 4,935 |
| Return on Equity (ROE) | 5.5585% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.5585% | 2,686 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8419% | 1,187 |
| Assets per employee ($millions) | 2.1765% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,125 |
| Loan loss allowance to noncurrent loans | 109.0909% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 2,877 |
| Noncurrent loans to loans | 1.4428% | 2,998 |
| Net loans and leases to total assets | 43.0967% | 5,805 |
| Net loans and leases to deposits | 47.1831% | 6,019 |
| Net loans and leases to core deposits | 47.1831% | 6,158 |
| Total domestic deposits to total assets | 91.3393% | 405 |
| Equity capital to assets | 8.4310% | 5,813 |
| Core capital (leverage) ratio | 8.9519% | 5,201 |
| Tier 1 risk-based capital ratio | 16.0589% | 3,162 |
| Total risk-based capital ratio | 17.3079% | 3,122 |
| Memoranda: | ||
| Average total assets | $17,096,000 | 6,818 |
| Average earning assets | $15,219,250 | 6,809 |
| Average equity | $1,439,250 | 6,840 |
| Average total loans | $7,697,250 | 6,735 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 512 |
| Cost of funding earning assets | 0.1450% | 6,726 |
| Net interest margin | 5.1680% | 221 |
| Noninterest income to average assets | 0.5415% | 3,556 |
| Noninterest expense to average assets | 4.5554% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4473% | 5,027 |
| Return on assets (ROA) | 0.4473% | 5,197 |
| Pretax return on assets | 0.6003% | 5,010 |
| Return on Equity (ROE) | 5.3159% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.3159% | 2,857 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3562% | 1,189 |
| Assets per employee ($millions) | 2.1069% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 3,324 |
| Loan loss allowance to noncurrent loans | 292.6829% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 3,699 |
| Noncurrent loans to loans | 0.5325% | 4,932 |
| Net loans and leases to total assets | 44.9659% | 5,641 |
| Net loans and leases to deposits | 49.2047% | 5,906 |
| Net loans and leases to core deposits | 49.2047% | 6,067 |
| Total domestic deposits to total assets | 91.3853% | 413 |
| Equity capital to assets | 8.5791% | 5,689 |
| Core capital (leverage) ratio | 7.7286% | 6,355 |
| Tier 1 risk-based capital ratio | 15.7121% | 3,357 |
| Total risk-based capital ratio | 16.9601% | 3,306 |
| Memoranda: | ||
| Average total assets | $16,990,670 | 6,869 |
| Average earning assets | $15,170,330 | 6,861 |
| Average equity | $1,429,670 | 6,891 |
| Average total loans | $7,721,670 | 6,779 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3277% | 485 |
| Cost of funding earning assets | 0.1312% | 6,838 |
| Net interest margin | 5.1965% | 195 |
| Noninterest income to average assets | 0.4690% | 3,998 |
| Noninterest expense to average assets | 4.6194% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3752% | 5,233 |
| Return on assets (ROA) | 0.3752% | 5,369 |
| Pretax return on assets | 0.4924% | 5,285 |
| Return on Equity (ROE) | 4.5023% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.5023% | 3,530 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3670% | 1,110 |
| Assets per employee ($millions) | 2.4575% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,605 |
| Loan loss allowance to noncurrent loans | 104.3478% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.2564% | 3,471 |
| Noncurrent loans to loans | 1.4875% | 3,323 |
| Net loans and leases to total assets | 38.7131% | 6,101 |
| Net loans and leases to deposits | 41.7659% | 6,331 |
| Net loans and leases to core deposits | 41.7659% | 6,410 |
| Total domestic deposits to total assets | 92.6907% | 154 |
| Equity capital to assets | 7.2737% | 6,654 |
| Core capital (leverage) ratio | 8.7045% | 5,323 |
| Tier 1 risk-based capital ratio | 15.2078% | 3,705 |
| Total risk-based capital ratio | 16.4567% | 3,653 |
| Memoranda: | ||
| Average total assets | $17,058,500 | 6,944 |
| Average earning assets | $15,241,000 | 6,933 |
| Average equity | $1,421,500 | 6,961 |
| Average total loans | $7,733,000 | 6,855 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7422% | 404 |
| Cost of funding earning assets | 0.1420% | 6,940 |
| Net interest margin | 5.6003% | 148 |
| Noninterest income to average assets | 0.6447% | 3,024 |
| Noninterest expense to average assets | 5.2018% | 331 |
| Loan and lease loss provision to assets | 0.0501% | 5,188 |
| Net operating income to assets | 0.2566% | 5,612 |
| Return on assets (ROA) | 0.2566% | 5,818 |
| Pretax return on assets | 0.3318% | 5,761 |
| Return on Equity (ROE) | 2.9496% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.9496% | 4,150 |
| Net charge-offs to loans | -0.0263% | 6,596 |
| Credit loss provision to net charge-offs | -400.0000% | 6,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1614% | 851 |
| Assets per employee ($millions) | 1.8071% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,512 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 3,610 |
| Noncurrent loans to loans | 0.5818% | 5,075 |
| Net loans and leases to total assets | 52.6734% | 4,814 |
| Net loans and leases to deposits | 61.2286% | 4,880 |
| Net loans and leases to core deposits | 61.2286% | 5,244 |
| Total domestic deposits to total assets | 86.0275% | 3,353 |
| Equity capital to assets | 9.7738% | 4,492 |
| Core capital (leverage) ratio | 8.6355% | 5,417 |
| Tier 1 risk-based capital ratio | 14.7923% | 3,838 |
| Total risk-based capital ratio | 16.0431% | 3,791 |
| Memoranda: | ||
| Average total assets | $15,975,200 | 7,011 |
| Average earning assets | $14,088,600 | 7,009 |
| Average equity | $1,390,000 | 7,034 |
| Average total loans | $7,605,000 | 6,930 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3890% | 853 |
| Cost of funding earning assets | 0.1384% | 7,061 |
| Net interest margin | 5.2505% | 272 |
| Noninterest income to average assets | 0.6359% | 3,069 |
| Noninterest expense to average assets | 4.9077% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2772% | 5,688 |
| Return on assets (ROA) | 0.2772% | 5,886 |
| Pretax return on assets | 0.3669% | 5,796 |
| Return on Equity (ROE) | 3.2747% | 5,584 |
| Retained earnings to average equity (ytd only) | 3.2747% | 4,568 |
| Net charge-offs to loans | -0.0176% | 6,473 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0448% | 832 |
| Assets per employee ($millions) | 2.0736% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 4,121 |
| Loan loss allowance to noncurrent loans | 31.7143% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 2.1882% | 2,446 |
| Noncurrent loans to loans | 4.5980% | 1,018 |
| Net loans and leases to total assets | 45.2167% | 5,849 |
| Net loans and leases to deposits | 49.4039% | 6,157 |
| Net loans and leases to core deposits | 49.4039% | 6,316 |
| Total domestic deposits to total assets | 91.5245% | 282 |
| Equity capital to assets | 8.4454% | 6,312 |
| Core capital (leverage) ratio | 9.3567% | 4,495 |
| Tier 1 risk-based capital ratio | 14.2379% | 4,356 |
| Total risk-based capital ratio | 15.3999% | 4,379 |
| Memoranda: | ||
| Average total assets | $16,354,750 | 7,098 |
| Average earning assets | $14,449,000 | 7,096 |
| Average equity | $1,384,250 | 7,131 |
| Average total loans | $7,572,500 | 7,024 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 928 |
| Cost of funding earning assets | 0.1534% | 7,109 |
| Net interest margin | 5.2153% | 278 |
| Noninterest income to average assets | 0.6390% | 3,013 |
| Noninterest expense to average assets | 4.8904% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2580% | 5,740 |
| Return on assets (ROA) | 0.2580% | 5,933 |
| Pretax return on assets | 0.3441% | 5,843 |
| Return on Equity (ROE) | 3.0464% | 5,677 |
| Retained earnings to average equity (ytd only) | 3.0464% | 4,614 |
| Net charge-offs to loans | -0.0529% | 6,678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4272% | 836 |
| Assets per employee ($millions) | 1.9073% | 7,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,937 |
| Loan loss allowance to noncurrent loans | 54.9020% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 3,571 |
| Noncurrent loans to loans | 2.7624% | 2,176 |
| Net loans and leases to total assets | 47.6668% | 5,646 |
| Net loans and leases to deposits | 52.4672% | 5,995 |
| Net loans and leases to core deposits | 52.4672% | 6,203 |
| Total domestic deposits to total assets | 90.8507% | 504 |
| Equity capital to assets | 9.0969% | 5,586 |
| Core capital (leverage) ratio | 7.4370% | 6,650 |
| Tier 1 risk-based capital ratio | 15.4913% | 3,448 |
| Total risk-based capital ratio | 16.7399% | 3,415 |
| Memoranda: | ||
| Average total assets | $16,276,670 | 7,162 |
| Average earning assets | $14,342,330 | 7,157 |
| Average equity | $1,378,670 | 7,187 |
| Average total loans | $7,559,330 | 7,084 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 1,519 |
| Cost of funding earning assets | 0.1341% | 7,212 |
| Net interest margin | 4.9884% | 405 |
| Noninterest income to average assets | 0.6672% | 2,826 |
| Noninterest expense to average assets | 4.5991% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3813% | 5,340 |
| Return on assets (ROA) | 0.3813% | 5,525 |
| Pretax return on assets | 0.5004% | 5,427 |
| Return on Equity (ROE) | 4.6579% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.6579% | 3,776 |
| Net charge-offs to loans | -0.0523% | 6,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1869% | 1,080 |
| Assets per employee ($millions) | 2.4411% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 4,369 |
| Loan loss allowance to noncurrent loans | 80.4348% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 4,894 |
| Noncurrent loans to loans | 1.8039% | 3,405 |
| Net loans and leases to total assets | 38.6041% | 6,452 |
| Net loans and leases to deposits | 41.5624% | 6,678 |
| Net loans and leases to core deposits | 41.5624% | 6,766 |
| Total domestic deposits to total assets | 92.8824% | 148 |
| Equity capital to assets | 7.0818% | 6,913 |
| Core capital (leverage) ratio | 8.6624% | 5,357 |
| Tier 1 risk-based capital ratio | 16.3385% | 2,992 |
| Total risk-based capital ratio | 17.5859% | 2,953 |
| Memoranda: | ||
| Average total assets | $16,786,000 | 7,220 |
| Average earning assets | $14,914,500 | 7,209 |
| Average equity | $1,374,000 | 7,243 |
| Average total loans | $7,646,500 | 7,141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6614% | 846 |
| Cost of funding earning assets | 0.1877% | 7,247 |
| Net interest margin | 5.4737% | 185 |
| Noninterest income to average assets | 0.6349% | 2,976 |
| Noninterest expense to average assets | 6.7144% | 154 |
| Loan and lease loss provision to assets | 0.0257% | 6,253 |
| Net operating income to assets | -1.3788% | 6,881 |
| Return on assets (ROA) | -1.3788% | 6,898 |
| Pretax return on assets | -1.4301% | 6,879 |
| Return on Equity (ROE) | -18.3291% | 6,960 |
| Retained earnings to average equity (ytd only) | -18.3291% | 6,945 |
| Net charge-offs to loans | -0.0789% | 7,108 |
| Credit loss provision to net charge-offs | -66.6667% | 6,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4493% | 256 |
| Assets per employee ($millions) | 1.7554% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 4,288 |
| Loan loss allowance to noncurrent loans | 85.2713% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.8515% | 3,185 |
| Noncurrent loans to loans | 1.6878% | 3,629 |
| Net loans and leases to total assets | 53.6424% | 5,092 |
| Net loans and leases to deposits | 59.4648% | 5,552 |
| Net loans and leases to core deposits | 59.4648% | 5,891 |
| Total domestic deposits to total assets | 90.2086% | 876 |
| Equity capital to assets | 9.7201% | 4,564 |
| Core capital (leverage) ratio | 8.5651% | 5,454 |
| Tier 1 risk-based capital ratio | 15.7958% | 3,157 |
| Total risk-based capital ratio | 17.0416% | 3,121 |
| Memoranda: | ||
| Average total assets | $15,593,400 | 7,280 |
| Average earning assets | $13,318,200 | 7,277 |
| Average equity | $1,173,000 | 7,318 |
| Average total loans | $7,606,400 | 7,195 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5164% | 1,207 |
| Cost of funding earning assets | 0.1861% | 7,340 |
| Net interest margin | 5.3303% | 233 |
| Noninterest income to average assets | 0.6424% | 2,929 |
| Noninterest expense to average assets | 5.0892% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0668% | 6,030 |
| Return on assets (ROA) | 0.0668% | 6,144 |
| Pretax return on assets | 0.0918% | 6,113 |
| Return on Equity (ROE) | 0.9484% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.9484% | 5,626 |
| Net charge-offs to loans | -0.0878% | 7,144 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2287% | 730 |
| Assets per employee ($millions) | 2.0293% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 4,574 |
| Loan loss allowance to noncurrent loans | 138.1579% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2751% | 4,255 |
| Noncurrent loans to loans | 1.0118% | 4,868 |
| Net loans and leases to total assets | 45.6203% | 6,179 |
| Net loans and leases to deposits | 51.1323% | 6,434 |
| Net loans and leases to core deposits | 51.1323% | 6,612 |
| Total domestic deposits to total assets | 89.2202% | 1,294 |
| Equity capital to assets | 6.9361% | 7,066 |
| Core capital (leverage) ratio | 10.3044% | 3,079 |
| Tier 1 risk-based capital ratio | 17.4833% | 2,451 |
| Total risk-based capital ratio | 18.7303% | 2,424 |
| Memoranda: | ||
| Average total assets | $15,981,000 | 7,350 |
| Average earning assets | $13,607,500 | 7,346 |
| Average equity | $1,125,000 | 7,398 |
| Average total loans | $7,597,250 | 7,268 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 1,205 |
| Cost of funding earning assets | 0.2064% | 7,408 |
| Net interest margin | 5.3369% | 227 |
| Noninterest income to average assets | 0.6039% | 3,111 |
| Noninterest expense to average assets | 4.8186% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2516% | 5,555 |
| Return on assets (ROA) | 0.2516% | 5,678 |
| Pretax return on assets | 0.3397% | 5,574 |
| Return on Equity (ROE) | 3.5566% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.5566% | 3,975 |
| Net charge-offs to loans | -0.0525% | 7,037 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4146% | 1,016 |
| Assets per employee ($millions) | 1.8230% | 7,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 4,681 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.7279% | 3,608 |
| Noncurrent loans to loans | 1.6090% | 3,979 |
| Net loans and leases to total assets | 50.0137% | 5,819 |
| Net loans and leases to deposits | 56.8733% | 6,059 |
| Net loans and leases to core deposits | 56.8733% | 6,356 |
| Total domestic deposits to total assets | 87.9388% | 2,178 |
| Equity capital to assets | 7.7756% | 6,819 |
| Core capital (leverage) ratio | 8.0231% | 6,271 |
| Tier 1 risk-based capital ratio | 17.4994% | 2,340 |
| Total risk-based capital ratio | 18.7484% | 2,308 |
| Memoranda: | ||
| Average total assets | $15,896,670 | 7,425 |
| Average earning assets | $13,566,000 | 7,419 |
| Average equity | $1,124,670 | 7,475 |
| Average total loans | $7,626,000 | 7,340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 2,268 |
| Cost of funding earning assets | 0.1881% | 7,484 |
| Net interest margin | 4.9990% | 383 |
| Noninterest income to average assets | 0.5316% | 3,635 |
| Noninterest expense to average assets | 4.5430% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3625% | 5,113 |
| Return on assets (ROA) | 0.3625% | 5,198 |
| Pretax return on assets | 0.4833% | 5,077 |
| Return on Equity (ROE) | 5.3571% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.3571% | 2,967 |
| Net charge-offs to loans | -0.0517% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3846% | 1,304 |
| Assets per employee ($millions) | 2.3108% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 5,044 |
| Loan loss allowance to noncurrent loans | 94.3925% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 5,462 |
| Noncurrent loans to loans | 1.3960% | 4,376 |
| Net loans and leases to total assets | 40.9175% | 6,707 |
| Net loans and leases to deposits | 45.1906% | 6,902 |
| Net loans and leases to core deposits | 45.1906% | 7,004 |
| Total domestic deposits to total assets | 90.5442% | 822 |
| Equity capital to assets | 6.0965% | 7,271 |
| Core capital (leverage) ratio | 8.8144% | 4,904 |
| Tier 1 risk-based capital ratio | 18.5249% | 1,954 |
| Total risk-based capital ratio | 19.7741% | 1,903 |
| Memoranda: | ||
| Average total assets | $16,553,000 | 7,472 |
| Average earning assets | $14,883,000 | 7,458 |
| Average equity | $1,120,000 | 7,530 |
| Average total loans | $7,741,000 | 7,397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0040% | 843 |
| Cost of funding earning assets | 0.2550% | 7,530 |
| Net interest margin | 5.7490% | 126 |
| Noninterest income to average assets | 0.9938% | 1,523 |
| Noninterest expense to average assets | 5.9828% | 234 |
| Loan and lease loss provision to assets | -0.0203% | 7,577 |
| Net operating income to assets | 0.0406% | 5,728 |
| Return on assets (ROA) | 0.0406% | 5,867 |
| Pretax return on assets | 0.0608% | 5,780 |
| Return on Equity (ROE) | 0.5224% | 5,826 |
| Retained earnings to average equity (ytd only) | 0.5224% | 5,314 |
| Net charge-offs to loans | -0.0378% | 7,424 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3266% | 805 |
| Assets per employee ($millions) | 1.8275% | 7,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 5,112 |
| Loan loss allowance to noncurrent loans | 119.0476% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 5,471 |
| Noncurrent loans to loans | 1.0746% | 4,938 |
| Net loans and leases to total assets | 52.7839% | 5,810 |
| Net loans and leases to deposits | 59.8821% | 6,069 |
| Net loans and leases to core deposits | 59.8821% | 6,402 |
| Total domestic deposits to total assets | 88.1464% | 2,154 |
| Equity capital to assets | 7.6129% | 6,804 |
| Core capital (leverage) ratio | 9.0825% | 4,389 |
| Tier 1 risk-based capital ratio | 18.4020% | 1,876 |
| Total risk-based capital ratio | 19.6467% | 1,837 |
| Memoranda: | ||
| Average total assets | $14,792,400 | 7,572 |
| Average earning assets | $12,941,400 | 7,565 |
| Average equity | $1,148,600 | 7,620 |
| Average total loans | $7,932,600 | 7,469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9603% | 1,011 |
| Cost of funding earning assets | 0.2578% | 7,653 |
| Net interest margin | 5.7024% | 132 |
| Noninterest income to average assets | 1.1055% | 1,155 |
| Noninterest expense to average assets | 5.5182% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4224% | 4,650 |
| Return on assets (ROA) | 0.4224% | 4,832 |
| Pretax return on assets | 0.5572% | 4,734 |
| Return on Equity (ROE) | 5.4143% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.4143% | 2,701 |
| Net charge-offs to loans | -0.0502% | 7,472 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8284% | 1,221 |
| Assets per employee ($millions) | 1.9814% | 7,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 4,988 |
| Loan loss allowance to noncurrent loans | 1,716.6667% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 7,130 |
| Noncurrent loans to loans | 0.0755% | 7,054 |
| Net loans and leases to total assets | 49.4921% | 6,375 |
| Net loans and leases to deposits | 55.7411% | 6,631 |
| Net loans and leases to core deposits | 55.7411% | 6,872 |
| Total domestic deposits to total assets | 88.7894% | 1,516 |
| Equity capital to assets | 7.4759% | 7,143 |
| Core capital (leverage) ratio | 10.1127% | 3,136 |
| Tier 1 risk-based capital ratio | 18.4528% | 1,881 |
| Total risk-based capital ratio | 19.6993% | 1,844 |
| Memoranda: | ||
| Average total assets | $14,835,500 | 7,671 |
| Average earning assets | $12,929,750 | 7,664 |
| Average equity | $1,157,500 | 7,719 |
| Average total loans | $7,961,500 | 7,565 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 1,465 |
| Cost of funding earning assets | 0.2776% | 7,723 |
| Net interest margin | 5.5067% | 167 |
| Noninterest income to average assets | 0.6760% | 2,840 |
| Noninterest expense to average assets | 5.1459% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3449% | 4,990 |
| Return on assets (ROA) | 0.3449% | 5,160 |
| Pretax return on assets | 0.4553% | 5,049 |
| Return on Equity (ROE) | 4.3541% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.3541% | 3,301 |
| Net charge-offs to loans | -0.0502% | 7,449 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8719% | 1,197 |
| Assets per employee ($millions) | 1.8359% | 7,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 4,903 |
| Loan loss allowance to noncurrent loans | 136.0000% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 6,076 |
| Noncurrent loans to loans | 0.9582% | 5,390 |
| Net loans and leases to total assets | 52.5975% | 6,149 |
| Net loans and leases to deposits | 59.7217% | 6,436 |
| Net loans and leases to core deposits | 59.7217% | 6,729 |
| Total domestic deposits to total assets | 88.0711% | 1,960 |
| Equity capital to assets | 7.9118% | 6,840 |
| Core capital (leverage) ratio | 9.3798% | 3,995 |
| Tier 1 risk-based capital ratio | 18.2905% | 1,875 |
| Total risk-based capital ratio | 19.5375% | 1,848 |
| Memoranda: | ||
| Average total assets | $14,497,000 | 7,742 |
| Average earning assets | $12,966,000 | 7,728 |
| Average equity | $1,148,330 | 7,786 |
| Average total loans | $7,966,000 | 7,630 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 1,462 |
| Cost of funding earning assets | 0.2481% | 7,841 |
| Net interest margin | 5.5508% | 167 |
| Noninterest income to average assets | 0.6943% | 2,640 |
| Noninterest expense to average assets | 5.2215% | 313 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3333% | 5,152 |
| Return on assets (ROA) | 0.3333% | 5,277 |
| Pretax return on assets | 0.4444% | 5,148 |
| Return on Equity (ROE) | 4.2050% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.2050% | 3,625 |
| Net charge-offs to loans | -0.0996% | 7,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1569% | 1,268 |
| Assets per employee ($millions) | 1.9981% | 7,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 5,001 |
| Loan loss allowance to noncurrent loans | 78.4615% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 5,442 |
| Noncurrent loans to loans | 1.6416% | 4,288 |
| Net loans and leases to total assets | 48.9021% | 6,583 |
| Net loans and leases to deposits | 54.8715% | 6,857 |
| Net loans and leases to core deposits | 54.8715% | 7,056 |
| Total domestic deposits to total assets | 89.1211% | 1,457 |
| Equity capital to assets | 7.1942% | 7,287 |
| Core capital (leverage) ratio | 9.4539% | 3,841 |
| Tier 1 risk-based capital ratio | 20.3038% | 1,464 |
| Total risk-based capital ratio | 21.5600% | 1,431 |
| Memoranda: | ||
| Average total assets | $14,402,000 | 7,846 |
| Average earning assets | $12,899,000 | 7,833 |
| Average equity | $1,141,500 | 7,874 |
| Average total loans | $8,035,500 | 7,726 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5357% | 617 |
| Cost of funding earning assets | 0.3467% | 7,887 |
| Net interest margin | 6.1890% | 99 |
| Noninterest income to average assets | 0.9206% | 1,865 |
| Noninterest expense to average assets | 6.3322% | 271 |
| Loan and lease loss provision to assets | -0.0449% | 7,973 |
| Net operating income to assets | 0.0898% | 5,236 |
| Return on assets (ROA) | 0.0898% | 5,278 |
| Pretax return on assets | 0.1123% | 5,194 |
| Return on Equity (ROE) | 1.2539% | 5,155 |
| Retained earnings to average equity (ytd only) | 1.2539% | 4,163 |
| Net charge-offs to loans | -0.0735% | 7,868 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9474% | 1,155 |
| Assets per employee ($millions) | 1.6024% | 7,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 5,200 |
| Loan loss allowance to noncurrent loans | 166.6667% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 6,147 |
| Noncurrent loans to loans | 0.7360% | 5,780 |
| Net loans and leases to total assets | 62.8130% | 4,850 |
| Net loans and leases to deposits | 73.7430% | 5,090 |
| Net loans and leases to core deposits | 74.5280% | 6,504 |
| Total domestic deposits to total assets | 85.1783% | 3,465 |
| Equity capital to assets | 8.8384% | 5,369 |
| Core capital (leverage) ratio | 9.6686% | 3,499 |
| Tier 1 risk-based capital ratio | 19.8183% | 1,488 |
| Total risk-based capital ratio | 21.0731% | 1,452 |
| Memoranda: | ||
| Average total assets | $13,360,200 | 7,930 |
| Average earning assets | $11,827,400 | 7,921 |
| Average equity | $957,000 | 7,983 |
| Average total loans | $8,163,400 | 7,778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3907% | 941 |
| Cost of funding earning assets | 0.3346% | 7,987 |
| Net interest margin | 6.0561% | 105 |
| Noninterest income to average assets | 0.7903% | 2,483 |
| Noninterest expense to average assets | 5.6017% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4150% | 4,340 |
| Return on assets (ROA) | 0.4150% | 4,436 |
| Pretax return on assets | 0.5533% | 4,354 |
| Return on Equity (ROE) | 6.1336% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.1336% | 1,887 |
| Net charge-offs to loans | -0.0653% | 7,887 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0112% | 1,608 |
| Assets per employee ($millions) | 1.8175% | 7,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 4,720 |
| Loan loss allowance to noncurrent loans | 37.8182% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 3,435 |
| Noncurrent loans to loans | 3.3463% | 2,255 |
| Net loans and leases to total assets | 55.8047% | 6,164 |
| Net loans and leases to deposits | 63.8898% | 6,496 |
| Net loans and leases to core deposits | 64.4685% | 7,225 |
| Total domestic deposits to total assets | 87.3453% | 1,987 |
| Equity capital to assets | 6.5131% | 7,761 |
| Core capital (leverage) ratio | 10.8713% | 2,506 |
| Tier 1 risk-based capital ratio | 18.9090% | 1,765 |
| Total risk-based capital ratio | 20.1603% | 1,728 |
| Memoranda: | ||
| Average total assets | $13,495,500 | 8,005 |
| Average earning assets | $11,954,500 | 7,994 |
| Average equity | $913,000 | 8,071 |
| Average total loans | $8,166,250 | 7,854 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6722% | 572 |
| Cost of funding earning assets | 0.3621% | 8,083 |
| Net interest margin | 6.3102% | 83 |
| Noninterest income to average assets | 0.8215% | 2,309 |
| Noninterest expense to average assets | 5.8567% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3955% | 4,529 |
| Return on assets (ROA) | 0.3955% | 4,638 |
| Pretax return on assets | 0.5324% | 4,519 |
| Return on Equity (ROE) | 5.7671% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.7671% | 2,135 |
| Net charge-offs to loans | -0.0491% | 7,845 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 1,663 |
| Assets per employee ($millions) | 1.6758% | 8,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 4,615 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 6,024 |
| Noncurrent loans to loans | 0.8321% | 5,560 |
| Net loans and leases to total assets | 60.1969% | 5,645 |
| Net loans and leases to deposits | 69.6170% | 6,029 |
| Net loans and leases to core deposits | 70.3084% | 7,003 |
| Total domestic deposits to total assets | 86.4687% | 2,523 |
| Equity capital to assets | 6.8402% | 7,690 |
| Core capital (leverage) ratio | 10.1154% | 3,173 |
| Tier 1 risk-based capital ratio | 20.1002% | 1,561 |
| Total risk-based capital ratio | 21.3603% | 1,523 |
| Memoranda: | ||
| Average total assets | $13,147,330 | 8,101 |
| Average earning assets | $11,600,330 | 8,089 |
| Average equity | $901,670 | 8,164 |
| Average total loans | $8,149,000 | 7,941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5049% | 856 |
| Cost of funding earning assets | 0.3826% | 8,140 |
| Net interest margin | 6.1223% | 97 |
| Noninterest income to average assets | 0.8911% | 1,890 |
| Noninterest expense to average assets | 5.7152% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4302% | 4,745 |
| Return on assets (ROA) | 0.4302% | 4,921 |
| Pretax return on assets | 0.5838% | 4,808 |
| Return on Equity (ROE) | 6.2640% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.2640% | 2,519 |
| Net charge-offs to loans | -0.0492% | 7,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7317% | 1,669 |
| Assets per employee ($millions) | 1.6976% | 8,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 4,577 |
| Loan loss allowance to noncurrent loans | 110.9890% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 5,354 |
| Noncurrent loans to loans | 1.1096% | 4,761 |
| Net loans and leases to total assets | 59.6421% | 5,715 |
| Net loans and leases to deposits | 68.6790% | 6,113 |
| Net loans and leases to core deposits | 69.3434% | 7,062 |
| Total domestic deposits to total assets | 86.8419% | 2,298 |
| Equity capital to assets | 6.5754% | 7,847 |
| Core capital (leverage) ratio | 9.3222% | 4,209 |
| Tier 1 risk-based capital ratio | 19.5049% | 1,721 |
| Total risk-based capital ratio | 20.7575% | 1,665 |
| Memoranda: | ||
| Average total assets | $13,018,000 | 8,154 |
| Average earning assets | $11,499,000 | 8,143 |
| Average equity | $894,000 | 8,217 |
| Average total loans | $8,137,500 | 7,989 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0763% | 954 |
| Cost of funding earning assets | 1.1207% | 7,996 |
| Net interest margin | 5.9556% | 115 |
| Noninterest income to average assets | 1.8494% | 395 |
| Noninterest expense to average assets | 6.7975% | 299 |
| Loan and lease loss provision to assets | -0.0918% | 8,250 |
| Net operating income to assets | 0.3035% | 5,531 |
| Return on assets (ROA) | 0.3035% | 5,350 |
| Pretax return on assets | 0.3953% | 5,268 |
| Return on Equity (ROE) | 3.4176% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.4176% | 3,014 |
| Net charge-offs to loans | -0.1577% | 8,141 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7256% | 1,175 |
| Assets per employee ($millions) | 1.3839% | 8,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,244 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 7,248 |
| Noncurrent loans to loans | 0.0372% | 7,357 |
| Net loans and leases to total assets | 64.0225% | 5,269 |
| Net loans and leases to deposits | 76.2114% | 5,565 |
| Net loans and leases to core deposits | 77.0360% | 6,792 |
| Total domestic deposits to total assets | 84.0064% | 3,318 |
| Equity capital to assets | 7.1859% | 7,636 |
| Core capital (leverage) ratio | 9.3273% | 4,261 |
| Tier 1 risk-based capital ratio | 19.1524% | 1,781 |
| Total risk-based capital ratio | 20.4015% | 1,735 |
| Memoranda: | ||
| Average total assets | $14,167,000 | 8,182 |
| Average earning assets | $12,492,400 | 8,178 |
| Average equity | $1,258,200 | 8,244 |
| Average total loans | $8,245,000 | 8,023 |