Home > Bank of Chestnut > Performance and Condition Ratios
Bank of Chestnut, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,593 |
| Cost of funding earning assets | 0.2203% | 4,342 |
| Net interest margin | 4.1655% | 1,000 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.5725% | 2,037 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.2186% | 1,887 |
| Return on assets (ROA) | 1.2186% | 1,848 |
| Pretax return on assets | 1.2186% | 2,379 |
| Return on Equity (ROE) | 18.3100% | 984 |
| Retained earnings to average equity (ytd only) | 18.3140% | 489 |
| 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 | 63.0332% | 2,564 |
| Assets per employee ($millions) | 4.2256% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 4,230 |
| Loan loss allowance to noncurrent loans | 90.8163% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 979 |
| Noncurrent loans to loans | 0.7842% | 980 |
| Net loans and leases to total assets | 58.7300% | 2,795 |
| Net loans and leases to deposits | 62.9912% | 3,167 |
| Net loans and leases to core deposits | 64.8242% | 3,294 |
| Total domestic deposits to total assets | 93.2300% | 270 |
| Equity capital to assets | 6.6736% | 3,978 |
| Core capital (leverage) ratio | 8.6849% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2388% | 1,322 |
| Memoranda: | ||
| Average total assets | $20,680,000 | 4,634 |
| Average earning assets | $19,973,500 | 4,600 |
| Average equity | $1,376,000 | 4,636 |
| Average total loans | $12,798,500 | 4,484 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 3,207 |
| Cost of funding earning assets | 0.1796% | 3,909 |
| Net interest margin | 3.2710% | 2,645 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 3.0580% | 889 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.0779% | 4,523 |
| Return on assets (ROA) | 0.0779% | 4,513 |
| Pretax return on assets | 0.1375% | 4,486 |
| Return on Equity (ROE) | 1.1500% | 4,474 |
| Retained earnings to average equity (ytd only) | 1.1477% | 4,167 |
| Net charge-offs to loans | 0.3795% | 197 |
| Credit loss provision to net charge-offs | 31.9149% | 1,886 |
| Earnings coverage of net charge-offs (x) | 0.9574% | 2,548 |
| Efficiency ratio | 93.6798% | 231 |
| Assets per employee ($millions) | 3.3720% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 4,375 |
| Loan loss allowance to noncurrent loans | 80.4348% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 952 |
| Noncurrent loans to loans | 0.7023% | 1,068 |
| Net loans and leases to total assets | 64.3800% | 2,210 |
| Net loans and leases to deposits | 71.6265% | 2,440 |
| Net loans and leases to core deposits | 73.8896% | 2,574 |
| Total domestic deposits to total assets | 89.8900% | 1,417 |
| Equity capital to assets | 6.6331% | 3,848 |
| Core capital (leverage) ratio | 9.3988% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5831% | 1,454 |
| Memoranda: | ||
| Average total assets | $21,811,800 | 4,662 |
| Average earning assets | $21,155,600 | 4,629 |
| Average equity | $1,481,200 | 4,696 |
| Average total loans | $12,385,000 | 4,524 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3517% | 3,046 |
| Cost of funding earning assets | 0.1855% | 3,446 |
| Net interest margin | 3.1662% | 2,724 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.7138% | 1,441 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3422% | 4,329 |
| Return on assets (ROA) | 0.3422% | 4,282 |
| Pretax return on assets | 0.4203% | 4,248 |
| Return on Equity (ROE) | 5.0100% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.0131% | 3,096 |
| Net charge-offs to loans | 0.3168% | 203 |
| Credit loss provision to net charge-offs | 17.2414% | 1,638 |
| Earnings coverage of net charge-offs (x) | 2.5862% | 2,240 |
| Efficiency ratio | 85.7685% | 466 |
| Assets per employee ($millions) | 3.3483% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 4,288 |
| Loan loss allowance to noncurrent loans | 83.6735% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 937 |
| Noncurrent loans to loans | 0.8119% | 983 |
| Net loans and leases to total assets | 59.6700% | 2,535 |
| Net loans and leases to deposits | 64.0727% | 2,862 |
| Net loans and leases to core deposits | 65.1380% | 3,014 |
| Total domestic deposits to total assets | 93.1300% | 550 |
| Equity capital to assets | 6.6202% | 3,691 |
| Core capital (leverage) ratio | 8.6449% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7200% | 1,232 |
| Memoranda: | ||
| Average total assets | $22,206,750 | 4,699 |
| Average earning assets | $21,560,500 | 4,665 |
| Average equity | $1,516,000 | 4,734 |
| Average total loans | $12,206,250 | 4,559 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1384% | 3,214 |
| Cost of funding earning assets | 0.1883% | 3,071 |
| Net interest margin | 2.9501% | 3,035 |
| Noninterest income to average assets | 0.0960% | 4,498 |
| Noninterest expense to average assets | 2.5227% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3666% | 4,173 |
| Return on assets (ROA) | 0.3666% | 4,131 |
| Pretax return on assets | 0.4452% | 4,090 |
| Return on Equity (ROE) | 5.3232% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.3232% | 2,581 |
| Net charge-offs to loans | 0.4734% | 144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.7586% | 2,054 |
| Efficiency ratio | 85.0000% | 623 |
| Assets per employee ($millions) | 3.7327% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 4,391 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 1,104 |
| Noncurrent loans to loans | 0.8475% | 1,011 |
| Net loans and leases to total assets | 51.2904% | 3,239 |
| Net loans and leases to deposits | 54.7469% | 3,491 |
| Net loans and leases to core deposits | 55.5545% | 3,605 |
| Total domestic deposits to total assets | 93.6864% | 341 |
| Equity capital to assets | 6.1395% | 4,158 |
| Core capital (leverage) ratio | 7.8041% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2589% | 1,371 |
| Memoranda: | ||
| Average total assets | $22,912,333 | 4,730 |
| Average earning assets | $22,304,667 | 4,707 |
| Average equity | $1,578,000 | 4,757 |
| Average total loans | $12,251,667 | 4,624 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 3,011 |
| Cost of funding earning assets | 0.1941% | 2,874 |
| Net interest margin | 2.8941% | 2,860 |
| Noninterest income to average assets | 0.0691% | 4,608 |
| Noninterest expense to average assets | 2.5204% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3625% | 4,035 |
| Return on assets (ROA) | 0.3625% | 3,998 |
| Pretax return on assets | 0.3798% | 4,068 |
| Return on Equity (ROE) | 5.0015% | 3,626 |
| Retained earnings to average equity (ytd only) | 5.0015% | 2,597 |
| Net charge-offs to loans | 0.1905% | 322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 1,656 |
| Efficiency ratio | 86.9048% | 684 |
| Assets per employee ($millions) | 4.2085% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,145 |
| Loan loss allowance to noncurrent loans | 98.0392% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 1,280 |
| Noncurrent loans to loans | 0.8707% | 1,077 |
| Net loans and leases to total assets | 45.9982% | 3,577 |
| Net loans and leases to deposits | 49.1245% | 3,803 |
| Net loans and leases to core deposits | 51.1471% | 3,792 |
| Total domestic deposits to total assets | 93.6359% | 148 |
| Equity capital to assets | 6.2413% | 4,519 |
| Core capital (leverage) ratio | 7.3677% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6473% | 1,601 |
| Memoranda: | ||
| Average total assets | $23,170,500 | 4,750 |
| Average earning assets | $22,666,500 | 4,724 |
| Average equity | $1,679,500 | 4,779 |
| Average total loans | $12,595,500 | 4,636 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 2,391 |
| Cost of funding earning assets | 0.2353% | 3,083 |
| Net interest margin | 3.3640% | 2,132 |
| Noninterest income to average assets | -0.1123% | 4,833 |
| Noninterest expense to average assets | 2.8900% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2099% | 4,523 |
| Return on assets (ROA) | 0.2099% | 4,541 |
| Pretax return on assets | 0.2783% | 4,509 |
| Return on Equity (ROE) | 2.3810% | 4,456 |
| Retained earnings to average equity (ytd only) | 1.4950% | 4,119 |
| Net charge-offs to loans | 0.0227% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,891 |
| Efficiency ratio | 91.2173% | 285 |
| Assets per employee ($millions) | 3.5150% | 4,582 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,287 |
| Loan loss allowance to noncurrent loans | 106.0000% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 1,173 |
| Noncurrent loans to loans | 0.7421% | 1,371 |
| Net loans and leases to total assets | 63.3950% | 1,772 |
| Net loans and leases to deposits | 69.3177% | 2,192 |
| Net loans and leases to core deposits | 72.8491% | 2,179 |
| Total domestic deposits to total assets | 91.4557% | 327 |
| Equity capital to assets | 8.4542% | 4,076 |
| Core capital (leverage) ratio | 8.8897% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,484,200 | 4,803 |
| Average earning assets | $19,976,000 | 4,781 |
| Average equity | $1,806,000 | 4,820 |
| Average total loans | $13,191,800 | 4,680 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 2,534 |
| Cost of funding earning assets | 0.2357% | 3,257 |
| Net interest margin | 3.3733% | 2,227 |
| Noninterest income to average assets | -0.1967% | 4,911 |
| Noninterest expense to average assets | 2.8328% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1639% | 4,654 |
| Return on assets (ROA) | 0.1639% | 4,671 |
| Pretax return on assets | 0.2557% | 4,626 |
| Return on Equity (ROE) | 1.8398% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.8398% | 4,237 |
| Net charge-offs to loans | 0.0406% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,064 |
| Efficiency ratio | 91.7197% | 281 |
| Assets per employee ($millions) | 3.4342% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 4,337 |
| Loan loss allowance to noncurrent loans | 105.0000% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 1,094 |
| Noncurrent loans to loans | 0.7669% | 1,473 |
| Net loans and leases to total assets | 62.7760% | 1,913 |
| Net loans and leases to deposits | 69.8774% | 2,257 |
| Net loans and leases to core deposits | 73.5947% | 2,278 |
| Total domestic deposits to total assets | 89.8374% | 848 |
| Equity capital to assets | 8.8668% | 3,948 |
| Core capital (leverage) ratio | 8.8703% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,332,750 | 4,878 |
| Average earning assets | $19,802,000 | 4,854 |
| Average equity | $1,811,750 | 4,894 |
| Average total loans | $13,120,750 | 4,752 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 2,549 |
| Cost of funding earning assets | 0.2437% | 3,338 |
| Net interest margin | 3.3820% | 2,196 |
| Noninterest income to average assets | -0.3359% | 4,949 |
| Noninterest expense to average assets | 2.6677% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1976% | 4,637 |
| Return on assets (ROA) | 0.1976% | 4,651 |
| Pretax return on assets | 0.2865% | 4,596 |
| Return on Equity (ROE) | 2.2140% | 4,575 |
| Retained earnings to average equity (ytd only) | 2.2140% | 4,064 |
| Net charge-offs to loans | -0.0761% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3010% | 336 |
| Assets per employee ($millions) | 3.4440% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,148 |
| Loan loss allowance to noncurrent loans | 104.5872% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 1,128 |
| Noncurrent loans to loans | 0.8629% | 1,428 |
| Net loans and leases to total assets | 60.5788% | 2,353 |
| Net loans and leases to deposits | 66.4649% | 2,785 |
| Net loans and leases to core deposits | 68.7651% | 2,886 |
| Total domestic deposits to total assets | 91.1440% | 328 |
| Equity capital to assets | 8.6479% | 4,091 |
| Core capital (leverage) ratio | 8.5329% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,242,000 | 4,915 |
| Average earning assets | $19,692,333 | 4,888 |
| Average equity | $1,806,667 | 4,929 |
| Average total loans | $13,147,667 | 4,784 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 2,427 |
| Cost of funding earning assets | 0.2668% | 3,308 |
| Net interest margin | 3.4064% | 2,090 |
| Noninterest income to average assets | -0.8187% | 4,976 |
| Noninterest expense to average assets | 2.6559% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1598% | 4,823 |
| Return on assets (ROA) | -0.1598% | 4,825 |
| Pretax return on assets | -0.1598% | 4,824 |
| Return on Equity (ROE) | -1.7616% | 4,851 |
| Retained earnings to average equity (ytd only) | -1.7616% | 4,520 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4000% | 132 |
| Assets per employee ($millions) | 4.3654% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 4,313 |
| Loan loss allowance to noncurrent loans | 99.0909% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 1,326 |
| Noncurrent loans to loans | 0.8505% | 1,576 |
| Net loans and leases to total assets | 58.7575% | 2,713 |
| Net loans and leases to deposits | 64.0962% | 3,117 |
| Net loans and leases to core deposits | 66.1799% | 3,227 |
| Total domestic deposits to total assets | 91.6709% | 201 |
| Equity capital to assets | 8.1734% | 4,379 |
| Core capital (leverage) ratio | 8.3085% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,031,000 | 4,942 |
| Average earning assets | $19,492,500 | 4,916 |
| Average equity | $1,816,500 | 4,955 |
| Average total loans | $13,405,500 | 4,808 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 2,150 |
| Cost of funding earning assets | 0.4435% | 3,320 |
| Net interest margin | 3.7530% | 1,636 |
| Noninterest income to average assets | -0.1758% | 4,986 |
| Noninterest expense to average assets | 3.1263% | 1,183 |
| Loan and lease loss provision to assets | 0.0824% | 3,349 |
| Net operating income to assets | 0.1654% | 4,611 |
| Return on assets (ROA) | 0.2088% | 4,622 |
| Pretax return on assets | 0.2967% | 4,547 |
| Return on Equity (ROE) | 2.0672% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.1968% | 4,149 |
| Net charge-offs to loans | 0.0363% | 2,326 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 2,381 |
| Efficiency ratio | 90.6051% | 358 |
| Assets per employee ($millions) | 3.6470% | 4,583 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 4,450 |
| Loan loss allowance to noncurrent loans | 89.3443% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 640 |
| Noncurrent loans to loans | 0.8792% | 1,608 |
| Net loans and leases to total assets | 75.5032% | 843 |
| Net loans and leases to deposits | 84.2286% | 1,431 |
| Net loans and leases to core deposits | 87.6050% | 1,736 |
| Total domestic deposits to total assets | 89.6408% | 706 |
| Equity capital to assets | 10.1563% | 2,977 |
| Core capital (leverage) ratio | 9.8958% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,200,600 | 4,965 |
| Average earning assets | $17,586,000 | 4,947 |
| Average equity | $1,838,200 | 4,978 |
| Average total loans | $13,764,600 | 4,830 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,318 |
| Cost of funding earning assets | 0.4780% | 3,369 |
| Net interest margin | 3.7482% | 1,772 |
| Noninterest income to average assets | -0.2638% | 5,017 |
| Noninterest expense to average assets | 3.1002% | 1,239 |
| Loan and lease loss provision to assets | 0.1099% | 2,946 |
| Net operating income to assets | 0.0447% | 4,743 |
| Return on assets (ROA) | 0.1026% | 4,724 |
| Pretax return on assets | 0.2199% | 4,640 |
| Return on Equity (ROE) | 1.0174% | 4,709 |
| Retained earnings to average equity (ytd only) | 1.0174% | 4,254 |
| Net charge-offs to loans | 0.0777% | 1,535 |
| Credit loss provision to net charge-offs | 187.5000% | 2,157 |
| Earnings coverage of net charge-offs (x) | 4.3750% | 2,826 |
| Efficiency ratio | 92.3581% | 294 |
| Assets per employee ($millions) | 3.6898% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 4,380 |
| Loan loss allowance to noncurrent loans | 79.6992% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 700 |
| Noncurrent loans to loans | 0.9903% | 1,514 |
| Net loans and leases to total assets | 72.2207% | 1,633 |
| Net loans and leases to deposits | 80.5611% | 2,254 |
| Net loans and leases to core deposits | 83.7513% | 2,502 |
| Total domestic deposits to total assets | 89.6471% | 537 |
| Equity capital to assets | 9.9572% | 3,264 |
| Core capital (leverage) ratio | 9.7671% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,192,000 | 4,995 |
| Average earning assets | $17,572,500 | 4,976 |
| Average equity | $1,834,750 | 5,010 |
| Average total loans | $13,736,500 | 4,859 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,615 |
| Cost of funding earning assets | 0.5265% | 3,374 |
| Net interest margin | 3.7202% | 2,096 |
| Noninterest income to average assets | 0.0552% | 4,903 |
| Noninterest expense to average assets | 3.0376% | 1,490 |
| Loan and lease loss provision to assets | 0.0552% | 3,611 |
| Net operating income to assets | 0.3756% | 4,281 |
| Return on assets (ROA) | 0.3756% | 4,340 |
| Pretax return on assets | 0.5523% | 4,155 |
| Return on Equity (ROE) | 3.7077% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.7077% | 3,062 |
| Net charge-offs to loans | 0.0867% | 1,383 |
| Credit loss provision to net charge-offs | 83.3333% | 2,489 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,239 |
| Efficiency ratio | 83.3333% | 674 |
| Assets per employee ($millions) | 3.0647% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 4,522 |
| Loan loss allowance to noncurrent loans | 78.4000% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.7076% | 490 |
| Noncurrent loans to loans | 0.9182% | 1,679 |
| Net loans and leases to total assets | 73.4990% | 1,475 |
| Net loans and leases to deposits | 82.1181% | 2,194 |
| Net loans and leases to core deposits | 86.7291% | 2,378 |
| Total domestic deposits to total assets | 89.5040% | 569 |
| Equity capital to assets | 10.1534% | 3,066 |
| Core capital (leverage) ratio | 10.3705% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,106,333 | 5,028 |
| Average earning assets | $17,472,333 | 5,008 |
| Average equity | $1,834,000 | 5,042 |
| Average total loans | $13,838,667 | 4,888 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 2,516 |
| Cost of funding earning assets | 0.5765% | 3,557 |
| Net interest margin | 3.8507% | 1,822 |
| Noninterest income to average assets | 0.0891% | 4,869 |
| Noninterest expense to average assets | 3.1839% | 1,458 |
| Loan and lease loss provision to assets | 0.1113% | 2,291 |
| Net operating income to assets | 0.1559% | 4,594 |
| Return on assets (ROA) | 0.1559% | 4,597 |
| Pretax return on assets | 0.5121% | 4,104 |
| Return on Equity (ROE) | 1.5406% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.5406% | 3,588 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6257% | 854 |
| Assets per employee ($millions) | 3.5286% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 4,480 |
| Loan loss allowance to noncurrent loans | 89.6552% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 549 |
| Noncurrent loans to loans | 0.8536% | 1,909 |
| Net loans and leases to total assets | 76.4326% | 1,223 |
| Net loans and leases to deposits | 85.4563% | 2,064 |
| Net loans and leases to core deposits | 90.4730% | 2,300 |
| Total domestic deposits to total assets | 89.4406% | 492 |
| Equity capital to assets | 10.3157% | 3,505 |
| Core capital (leverage) ratio | 9.8858% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,965,500 | 5,076 |
| Average earning assets | $17,347,500 | 5,055 |
| Average equity | $1,817,500 | 5,091 |
| Average total loans | $13,951,500 | 4,926 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 2,913 |
| Cost of funding earning assets | 0.5949% | 3,667 |
| Net interest margin | 3.9128% | 2,127 |
| Noninterest income to average assets | 0.1221% | 4,850 |
| Noninterest expense to average assets | 3.1516% | 1,640 |
| Loan and lease loss provision to assets | 0.3496% | 438 |
| Net operating income to assets | 0.2774% | 4,774 |
| Return on assets (ROA) | 0.2774% | 4,798 |
| Pretax return on assets | 0.4161% | 4,685 |
| Return on Equity (ROE) | 2.8084% | 4,692 |
| Retained earnings to average equity (ytd only) | 1.9097% | 4,041 |
| Net charge-offs to loans | 0.6376% | 280 |
| Credit loss provision to net charge-offs | 69.2308% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.5165% | 3,525 |
| Efficiency ratio | 80.4533% | 909 |
| Assets per employee ($millions) | 3.6544% | 4,314 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6916% | 4,594 |
| Loan loss allowance to noncurrent loans | 45.6221% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 444 |
| Noncurrent loans to loans | 1.5160% | 946 |
| Net loans and leases to total assets | 77.7966% | 1,113 |
| Net loans and leases to deposits | 92.0482% | 1,363 |
| Net loans and leases to core deposits | 97.5769% | 1,763 |
| Total domestic deposits to total assets | 84.5173% | 2,676 |
| Equity capital to assets | 9.8457% | 4,061 |
| Core capital (leverage) ratio | 10.1098% | 3,403 |
| Tier 1 risk-based capital ratio | 14.1409% | 3,193 |
| Total risk-based capital ratio | 14.9248% | 3,328 |
| Memoranda: | ||
| Average total assets | $18,022,800 | 5,132 |
| Average earning assets | $17,481,200 | 5,111 |
| Average equity | $1,780,400 | 5,148 |
| Average total loans | $14,272,200 | 4,978 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 2,867 |
| Cost of funding earning assets | 0.6042% | 3,681 |
| Net interest margin | 3.9542% | 2,092 |
| Noninterest income to average assets | 0.0965% | 5,002 |
| Noninterest expense to average assets | 3.0511% | 1,826 |
| Loan and lease loss provision to assets | 0.3563% | 370 |
| Net operating income to assets | 0.3415% | 4,794 |
| Return on assets (ROA) | 0.3415% | 4,818 |
| Pretax return on assets | 0.5270% | 4,658 |
| Return on Equity (ROE) | 3.4538% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.4538% | 3,686 |
| Net charge-offs to loans | 0.1683% | 1,004 |
| Credit loss provision to net charge-offs | 266.6667% | 1,039 |
| Earnings coverage of net charge-offs (x) | 6.6108% | 2,821 |
| Efficiency ratio | 77.5472% | 1,150 |
| Assets per employee ($millions) | 3.6136% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 2,850 |
| Loan loss allowance to noncurrent loans | 89.7143% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 610 |
| Noncurrent loans to loans | 1.2655% | 1,235 |
| Net loans and leases to total assets | 75.6642% | 1,534 |
| Net loans and leases to deposits | 84.4149% | 2,401 |
| Net loans and leases to core deposits | 89.2363% | 2,612 |
| Total domestic deposits to total assets | 89.6336% | 400 |
| Equity capital to assets | 10.0177% | 4,001 |
| Core capital (leverage) ratio | 10.0717% | 3,562 |
| Tier 1 risk-based capital ratio | 14.5234% | 3,065 |
| Total risk-based capital ratio | 15.7754% | 2,991 |
| Memoranda: | ||
| Average total assets | $17,960,500 | 5,213 |
| Average earning assets | $17,432,500 | 5,191 |
| Average equity | $1,775,750 | 5,226 |
| Average total loans | $14,261,750 | 5,057 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,972 |
| Cost of funding earning assets | 0.5974% | 3,659 |
| Net interest margin | 3.9173% | 2,195 |
| Noninterest income to average assets | 0.0893% | 5,079 |
| Noninterest expense to average assets | 3.0014% | 2,003 |
| Loan and lease loss provision to assets | 0.2008% | 851 |
| Net operating income to assets | 0.5802% | 4,356 |
| Return on assets (ROA) | 0.5802% | 4,396 |
| Pretax return on assets | 0.6918% | 4,349 |
| Return on Equity (ROE) | 5.8946% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,331 |
| Net charge-offs to loans | 0.2360% | 712 |
| Credit loss provision to net charge-offs | 105.8824% | 1,887 |
| Earnings coverage of net charge-offs (x) | 4.7059% | 2,717 |
| Efficiency ratio | 77.0774% | 1,261 |
| Assets per employee ($millions) | 3.5884% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,045 |
| Loan loss allowance to noncurrent loans | 51.4056% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.1235% | 415 |
| Noncurrent loans to loans | 1.7725% | 853 |
| Net loans and leases to total assets | 77.5833% | 1,295 |
| Net loans and leases to deposits | 86.5779% | 2,191 |
| Net loans and leases to core deposits | 91.5609% | 2,457 |
| Total domestic deposits to total assets | 89.6110% | 446 |
| Equity capital to assets | 10.1048% | 3,884 |
| Core capital (leverage) ratio | 10.2681% | 3,314 |
| Tier 1 risk-based capital ratio | 14.4563% | 3,085 |
| Total risk-based capital ratio | 15.4820% | 3,108 |
| Memoranda: | ||
| Average total assets | $17,924,670 | 5,260 |
| Average earning assets | $17,410,000 | 5,238 |
| Average equity | $1,764,330 | 5,272 |
| Average total loans | $14,406,330 | 5,100 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 3,195 |
| Cost of funding earning assets | 0.5740% | 3,707 |
| Net interest margin | 3.8341% | 2,404 |
| Noninterest income to average assets | 0.0893% | 5,115 |
| Noninterest expense to average assets | 3.1034% | 1,728 |
| Loan and lease loss provision to assets | 0.4019% | 287 |
| Net operating income to assets | 0.0893% | 5,096 |
| Return on assets (ROA) | 0.0893% | 5,099 |
| Pretax return on assets | 0.3126% | 4,946 |
| Return on Equity (ROE) | 0.9195% | 5,081 |
| Retained earnings to average equity (ytd only) | 0.9195% | 4,330 |
| Net charge-offs to loans | 0.4662% | 328 |
| Credit loss provision to net charge-offs | 105.8824% | 1,530 |
| Earnings coverage of net charge-offs (x) | 1.8824% | 2,549 |
| Efficiency ratio | 81.2865% | 947 |
| Assets per employee ($millions) | 3.5140% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,135 |
| Loan loss allowance to noncurrent loans | 26.5010% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 3.2271% | 180 |
| Noncurrent loans to loans | 3.4113% | 271 |
| Net loans and leases to total assets | 79.8577% | 857 |
| Net loans and leases to deposits | 88.8657% | 1,760 |
| Net loans and leases to core deposits | 94.0794% | 2,114 |
| Total domestic deposits to total assets | 89.8634% | 504 |
| Equity capital to assets | 9.9431% | 3,877 |
| Core capital (leverage) ratio | 9.6272% | 4,000 |
| Tier 1 risk-based capital ratio | 14.1271% | 3,285 |
| Total risk-based capital ratio | 15.1569% | 3,309 |
| Memoranda: | ||
| Average total assets | $17,916,000 | 5,316 |
| Average earning assets | $17,422,500 | 5,293 |
| Average equity | $1,740,000 | 5,328 |
| Average total loans | $14,585,500 | 5,157 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 3,021 |
| Cost of funding earning assets | 0.4807% | 3,472 |
| Net interest margin | 3.8460% | 2,516 |
| Noninterest income to average assets | 0.0556% | 5,257 |
| Noninterest expense to average assets | 3.2987% | 1,327 |
| Loan and lease loss provision to assets | 0.1113% | 1,983 |
| Net operating income to assets | 0.3115% | 4,991 |
| Return on assets (ROA) | 0.3115% | 4,984 |
| Pretax return on assets | 0.3838% | 4,949 |
| Return on Equity (ROE) | 3.2699% | 4,857 |
| Retained earnings to average equity (ytd only) | 2.3356% | 4,221 |
| Net charge-offs to loans | 0.0756% | 2,040 |
| Credit loss provision to net charge-offs | 181.8182% | 1,556 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,927 |
| Efficiency ratio | 86.9501% | 481 |
| Assets per employee ($millions) | 3.6504% | 4,389 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 4,370 |
| Loan loss allowance to noncurrent loans | 22.3199% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.4572% | 153 |
| Noncurrent loans to loans | 3.7903% | 207 |
| Net loans and leases to total assets | 81.5527% | 720 |
| Net loans and leases to deposits | 95.9580% | 1,074 |
| Net loans and leases to core deposits | 103.1031% | 1,499 |
| Total domestic deposits to total assets | 84.9879% | 2,652 |
| Equity capital to assets | 9.4401% | 4,179 |
| Core capital (leverage) ratio | 9.5515% | 4,059 |
| Tier 1 risk-based capital ratio | 13.2764% | 3,677 |
| Total risk-based capital ratio | 14.2443% | 3,739 |
| Memoranda: | ||
| Average total assets | $17,976,600 | 5,359 |
| Average earning assets | $17,472,800 | 5,341 |
| Average equity | $1,712,600 | 5,375 |
| Average total loans | $14,556,800 | 5,203 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 2,940 |
| Cost of funding earning assets | 0.4444% | 3,567 |
| Net interest margin | 3.8621% | 2,426 |
| Noninterest income to average assets | 0.0372% | 5,373 |
| Noninterest expense to average assets | 3.1122% | 1,731 |
| Loan and lease loss provision to assets | 0.1489% | 1,330 |
| Net operating income to assets | 0.4318% | 4,893 |
| Return on assets (ROA) | 0.4318% | 4,901 |
| Pretax return on assets | 0.5286% | 4,859 |
| Return on Equity (ROE) | 4.5222% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.5222% | 3,489 |
| Net charge-offs to loans | 0.1016% | 1,475 |
| Credit loss provision to net charge-offs | 181.8182% | 1,487 |
| Earnings coverage of net charge-offs (x) | 8.2706% | 2,728 |
| Efficiency ratio | 82.1218% | 769 |
| Assets per employee ($millions) | 3.6442% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,443 |
| Loan loss allowance to noncurrent loans | 25.1984% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 3.1228% | 222 |
| Noncurrent loans to loans | 3.3917% | 293 |
| Net loans and leases to total assets | 80.8573% | 890 |
| Net loans and leases to deposits | 92.4801% | 1,568 |
| Net loans and leases to core deposits | 99.1721% | 1,857 |
| Total domestic deposits to total assets | 87.4321% | 1,530 |
| Equity capital to assets | 9.5110% | 4,071 |
| Core capital (leverage) ratio | 9.9722% | 3,668 |
| Tier 1 risk-based capital ratio | 13.3202% | 3,720 |
| Total risk-based capital ratio | 14.2814% | 3,799 |
| Memoranda: | ||
| Average total assets | $17,907,750 | 5,429 |
| Average earning assets | $17,399,500 | 5,411 |
| Average equity | $1,710,000 | 5,445 |
| Average total loans | $14,443,000 | 5,270 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2799% | 2,837 |
| Cost of funding earning assets | 0.3933% | 3,770 |
| Net interest margin | 3.8866% | 2,252 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 3.0556% | 1,893 |
| Loan and lease loss provision to assets | 0.1123% | 1,763 |
| Net operating income to assets | 0.4606% | 4,838 |
| Return on assets (ROA) | 0.4606% | 4,839 |
| Pretax return on assets | 0.6066% | 4,727 |
| Return on Equity (ROE) | 4.8169% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.8169% | 3,173 |
| Net charge-offs to loans | 0.1398% | 1,079 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,632 |
| Efficiency ratio | 80.9524% | 923 |
| Assets per employee ($millions) | 3.4520% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 4,570 |
| Loan loss allowance to noncurrent loans | 64.1304% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 927 |
| Noncurrent loans to loans | 1.3168% | 1,298 |
| Net loans and leases to total assets | 80.2723% | 978 |
| Net loans and leases to deposits | 91.1153% | 1,689 |
| Net loans and leases to core deposits | 98.0746% | 1,889 |
| Total domestic deposits to total assets | 88.0997% | 1,325 |
| Equity capital to assets | 9.9247% | 3,698 |
| Core capital (leverage) ratio | 9.9554% | 3,623 |
| Tier 1 risk-based capital ratio | 13.7776% | 3,467 |
| Total risk-based capital ratio | 14.7103% | 3,555 |
| Memoranda: | ||
| Average total assets | $17,803,330 | 5,495 |
| Average earning assets | $17,290,000 | 5,476 |
| Average equity | $1,702,330 | 5,508 |
| Average total loans | $14,304,000 | 5,334 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,579 |
| Cost of funding earning assets | 0.3647% | 3,875 |
| Net interest margin | 3.9209% | 1,959 |
| Noninterest income to average assets | 0.0885% | 5,367 |
| Noninterest expense to average assets | 2.9876% | 2,095 |
| Loan and lease loss provision to assets | 0.2213% | 709 |
| Net operating income to assets | 0.3983% | 4,930 |
| Return on assets (ROA) | 0.3983% | 4,933 |
| Pretax return on assets | 0.6860% | 4,484 |
| Return on Equity (ROE) | 4.2428% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.2428% | 3,493 |
| Net charge-offs to loans | -0.0276% | 4,704 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7045% | 1,493 |
| Assets per employee ($millions) | 3.5240% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,412 |
| Loan loss allowance to noncurrent loans | 60.5634% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 810 |
| Noncurrent loans to loans | 1.4997% | 1,176 |
| Net loans and leases to total assets | 79.8751% | 952 |
| Net loans and leases to deposits | 88.5659% | 1,861 |
| Net loans and leases to core deposits | 95.0176% | 2,055 |
| Total domestic deposits to total assets | 90.1873% | 587 |
| Equity capital to assets | 9.6311% | 3,960 |
| Core capital (leverage) ratio | 9.4035% | 4,184 |
| Tier 1 risk-based capital ratio | 13.4375% | 3,697 |
| Total risk-based capital ratio | 14.4453% | 3,745 |
| Memoranda: | ||
| Average total assets | $18,075,000 | 5,554 |
| Average earning assets | $17,547,000 | 5,537 |
| Average equity | $1,697,000 | 5,569 |
| Average total loans | $14,469,500 | 5,390 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,453 |
| Cost of funding earning assets | 0.3975% | 3,280 |
| Net interest margin | 3.8658% | 2,200 |
| Noninterest income to average assets | -0.9136% | 5,667 |
| Noninterest expense to average assets | 3.2305% | 1,547 |
| Loan and lease loss provision to assets | 0.0550% | 3,127 |
| Net operating income to assets | -0.5779% | 5,547 |
| Return on assets (ROA) | -0.5779% | 5,547 |
| Pretax return on assets | -0.5063% | 5,549 |
| Return on Equity (ROE) | -5.8340% | 5,554 |
| Retained earnings to average equity (ytd only) | -6.7230% | 5,483 |
| Net charge-offs to loans | 0.0569% | 2,669 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | -10.2500% | 4,086 |
| Efficiency ratio | 116.2376% | 75 |
| Assets per employee ($millions) | 3.7034% | 4,429 |
| Cash dividends to net income (ytd only)* | -15.2381% | 5,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,829 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.8524% | 648 |
| Noncurrent loans to loans | 1.6015% | 1,046 |
| Net loans and leases to total assets | 78.9437% | 1,131 |
| Net loans and leases to deposits | 90.1289% | 1,759 |
| Net loans and leases to core deposits | 101.6056% | 1,578 |
| Total domestic deposits to total assets | 87.5898% | 1,709 |
| Equity capital to assets | 9.0943% | 4,621 |
| Core capital (leverage) ratio | 9.0364% | 4,603 |
| Tier 1 risk-based capital ratio | 12.7674% | 4,051 |
| Total risk-based capital ratio | 13.6594% | 4,165 |
| Memoranda: | ||
| Average total assets | $18,170,400 | 5,616 |
| Average earning assets | $17,357,200 | 5,599 |
| Average equity | $1,799,800 | 5,622 |
| Average total loans | $14,047,800 | 5,465 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 2,357 |
| Cost of funding earning assets | 0.3875% | 3,309 |
| Net interest margin | 3.8829% | 2,097 |
| Noninterest income to average assets | -0.4055% | 5,729 |
| Noninterest expense to average assets | 3.1777% | 1,611 |
| Loan and lease loss provision to assets | 0.0737% | 2,596 |
| Net operating income to assets | -0.0590% | 5,538 |
| Return on assets (ROA) | -0.0590% | 5,543 |
| Pretax return on assets | 0.0368% | 5,493 |
| Return on Equity (ROE) | -0.5835% | 5,542 |
| Retained earnings to average equity (ytd only) | -0.5835% | 5,303 |
| Net charge-offs to loans | -0.0288% | 4,985 |
| Credit loss provision to net charge-offs | -333.3333% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6368% | 236 |
| Assets per employee ($millions) | 3.7200% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 4,566 |
| Loan loss allowance to noncurrent loans | 54.4304% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 3.4194% | 236 |
| Noncurrent loans to loans | 1.6555% | 1,104 |
| Net loans and leases to total assets | 76.2742% | 1,541 |
| Net loans and leases to deposits | 89.6436% | 1,850 |
| Net loans and leases to core deposits | 96.2026% | 2,048 |
| Total domestic deposits to total assets | 85.0860% | 2,682 |
| Equity capital to assets | 9.7473% | 4,198 |
| Core capital (leverage) ratio | 9.7159% | 3,919 |
| Tier 1 risk-based capital ratio | 13.6010% | 3,636 |
| Total risk-based capital ratio | 14.5822% | 3,716 |
| Memoranda: | ||
| Average total assets | $18,083,750 | 5,682 |
| Average earning assets | $17,203,000 | 5,663 |
| Average equity | $1,828,750 | 5,687 |
| Average total loans | $13,875,750 | 5,528 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,282 |
| Cost of funding earning assets | 0.3523% | 3,557 |
| Net interest margin | 3.8991% | 1,930 |
| Noninterest income to average assets | -0.0223% | 5,746 |
| Noninterest expense to average assets | 3.2046% | 1,569 |
| Loan and lease loss provision to assets | 0.1117% | 1,834 |
| Net operating income to assets | 0.2233% | 5,363 |
| Return on assets (ROA) | 0.2233% | 5,378 |
| Pretax return on assets | 0.3685% | 5,239 |
| Return on Equity (ROE) | 2.1810% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.1810% | 4,371 |
| Net charge-offs to loans | -0.0437% | 5,115 |
| Credit loss provision to net charge-offs | -333.3333% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9697% | 609 |
| Assets per employee ($millions) | 3.6510% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 4,528 |
| Loan loss allowance to noncurrent loans | 64.5000% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.6209% | 209 |
| Noncurrent loans to loans | 1.4377% | 1,323 |
| Net loans and leases to total assets | 75.4971% | 1,613 |
| Net loans and leases to deposits | 88.5619% | 1,919 |
| Net loans and leases to core deposits | 95.1598% | 2,061 |
| Total domestic deposits to total assets | 85.2479% | 2,715 |
| Equity capital to assets | 10.1068% | 3,788 |
| Core capital (leverage) ratio | 10.0893% | 3,419 |
| Tier 1 risk-based capital ratio | 14.1324% | 3,353 |
| Total risk-based capital ratio | 15.1286% | 3,413 |
| Memoranda: | ||
| Average total assets | $17,911,670 | 5,733 |
| Average earning assets | $17,029,670 | 5,716 |
| Average equity | $1,834,000 | 5,737 |
| Average total loans | $13,729,000 | 5,580 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,185 |
| Cost of funding earning assets | 0.3324% | 3,729 |
| Net interest margin | 3.8933% | 1,804 |
| Noninterest income to average assets | 0.1127% | 5,543 |
| Noninterest expense to average assets | 3.0891% | 1,892 |
| Loan and lease loss provision to assets | 0.2255% | 695 |
| Net operating income to assets | 0.4059% | 4,927 |
| Return on assets (ROA) | 0.4059% | 4,954 |
| Pretax return on assets | 0.4961% | 4,976 |
| Return on Equity (ROE) | 3.9377% | 4,804 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,477 |
| Net charge-offs to loans | -0.0293% | 4,920 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0651% | 1,252 |
| Assets per employee ($millions) | 3.5368% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 4,544 |
| Loan loss allowance to noncurrent loans | 36.2857% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 4.6483% | 136 |
| Noncurrent loans to loans | 2.6217% | 580 |
| Net loans and leases to total assets | 74.7738% | 1,617 |
| Net loans and leases to deposits | 85.0244% | 2,160 |
| Net loans and leases to core deposits | 91.3632% | 2,229 |
| Total domestic deposits to total assets | 87.9439% | 1,747 |
| Equity capital to assets | 10.3766% | 3,326 |
| Core capital (leverage) ratio | 9.8854% | 3,643 |
| Tier 1 risk-based capital ratio | 14.5229% | 3,184 |
| Total risk-based capital ratio | 15.5319% | 3,242 |
| Memoranda: | ||
| Average total assets | $17,740,000 | 5,805 |
| Average earning assets | $16,849,500 | 5,789 |
| Average equity | $1,828,500 | 5,802 |
| Average total loans | $13,638,000 | 5,643 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 1,486 |
| Cost of funding earning assets | 0.3009% | 4,055 |
| Net interest margin | 4.2181% | 1,073 |
| Noninterest income to average assets | 0.1750% | 5,349 |
| Noninterest expense to average assets | 3.5880% | 1,033 |
| Loan and lease loss provision to assets | 0.1167% | 2,117 |
| Net operating income to assets | 0.3349% | 5,129 |
| Return on assets (ROA) | 0.4084% | 4,995 |
| Pretax return on assets | 0.5834% | 4,830 |
| Return on Equity (ROE) | 3.8085% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.9380% | 3,806 |
| Net charge-offs to loans | 0.2069% | 1,347 |
| Credit loss provision to net charge-offs | 74.0741% | 3,068 |
| Earnings coverage of net charge-offs (x) | 3.7778% | 3,611 |
| Efficiency ratio | 85.7741% | 840 |
| Assets per employee ($millions) | 3.5592% | 4,668 |
| Cash dividends to net income (ytd only)* | 22.8571% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 5,007 |
| Loan loss allowance to noncurrent loans | 83.4532% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 3.4390% | 257 |
| Noncurrent loans to loans | 0.9981% | 2,095 |
| Net loans and leases to total assets | 77.6017% | 1,270 |
| Net loans and leases to deposits | 88.1808% | 1,901 |
| Net loans and leases to core deposits | 94.7058% | 2,041 |
| Total domestic deposits to total assets | 88.0029% | 1,631 |
| Equity capital to assets | 10.2158% | 3,474 |
| Core capital (leverage) ratio | 10.3153% | 3,087 |
| Tier 1 risk-based capital ratio | 14.0512% | 3,436 |
| Total risk-based capital ratio | 14.9537% | 3,551 |
| Memoranda: | ||
| Average total assets | $17,140,600 | 5,864 |
| Average earning assets | $16,286,800 | 5,847 |
| Average equity | $1,838,000 | 5,859 |
| Average total loans | $13,049,200 | 5,713 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,462 |
| Cost of funding earning assets | 0.2973% | 4,130 |
| Net interest margin | 4.2284% | 1,061 |
| Noninterest income to average assets | 0.1571% | 5,489 |
| Noninterest expense to average assets | 3.5577% | 1,058 |
| Loan and lease loss provision to assets | 0.0785% | 2,651 |
| Net operating income to assets | 0.3801% | 5,094 |
| Return on assets (ROA) | 0.4791% | 4,858 |
| Pretax return on assets | 0.6833% | 4,658 |
| Return on Equity (ROE) | 4.4129% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.4129% | 3,194 |
| Net charge-offs to loans | 0.0312% | 3,026 |
| Credit loss provision to net charge-offs | 333.3333% | 956 |
| Earnings coverage of net charge-offs (x) | 26.3325% | 1,603 |
| Efficiency ratio | 85.1504% | 887 |
| Assets per employee ($millions) | 3.4852% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 4,574 |
| Loan loss allowance to noncurrent loans | 79.7546% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 3.6497% | 257 |
| Noncurrent loans to loans | 1.2142% | 1,848 |
| Net loans and leases to total assets | 76.2883% | 1,481 |
| Net loans and leases to deposits | 86.9798% | 2,139 |
| Net loans and leases to core deposits | 94.8961% | 2,114 |
| Total domestic deposits to total assets | 87.7080% | 1,551 |
| Equity capital to assets | 10.6909% | 3,361 |
| Core capital (leverage) ratio | 10.6638% | 2,817 |
| Tier 1 risk-based capital ratio | 14.3764% | 3,342 |
| Total risk-based capital ratio | 15.4078% | 3,403 |
| Memoranda: | ||
| Average total assets | $16,976,750 | 5,930 |
| Average earning assets | $16,144,250 | 5,913 |
| Average equity | $1,843,000 | 5,924 |
| Average total loans | $12,830,000 | 5,774 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 1,440 |
| Cost of funding earning assets | 0.2994% | 4,140 |
| Net interest margin | 4.2284% | 1,063 |
| Noninterest income to average assets | 0.1783% | 5,426 |
| Noninterest expense to average assets | 3.6132% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4457% | 4,884 |
| Return on assets (ROA) | 0.6062% | 4,371 |
| Pretax return on assets | 0.8082% | 4,251 |
| Return on Equity (ROE) | 5.5546% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.5546% | 2,391 |
| Net charge-offs to loans | -0.0317% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8757% | 896 |
| Assets per employee ($millions) | 3.2598% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 4,689 |
| Loan loss allowance to noncurrent loans | 61.8812% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.9266% | 234 |
| Noncurrent loans to loans | 1.5631% | 1,379 |
| Net loans and leases to total assets | 78.5202% | 1,132 |
| Net loans and leases to deposits | 88.9862% | 1,869 |
| Net loans and leases to core deposits | 94.4362% | 2,117 |
| Total domestic deposits to total assets | 88.2385% | 1,301 |
| Equity capital to assets | 11.3688% | 2,678 |
| Core capital (leverage) ratio | 10.6655% | 2,774 |
| Tier 1 risk-based capital ratio | 15.2152% | 2,980 |
| Total risk-based capital ratio | 16.2700% | 3,010 |
| Memoranda: | ||
| Average total assets | $16,827,000 | 6,009 |
| Average earning assets | $16,034,330 | 5,990 |
| Average equity | $1,836,330 | 6,000 |
| Average total loans | $12,632,000 | 5,851 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 1,955 |
| Cost of funding earning assets | 0.2935% | 4,238 |
| Net interest margin | 4.0597% | 1,451 |
| Noninterest income to average assets | 0.1638% | 5,513 |
| Noninterest expense to average assets | 3.0191% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6787% | 3,827 |
| Return on assets (ROA) | 0.6787% | 3,945 |
| Pretax return on assets | 1.0298% | 3,362 |
| Return on Equity (ROE) | 6.3457% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.3457% | 2,209 |
| Net charge-offs to loans | -0.0320% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5665% | 2,393 |
| Assets per employee ($millions) | 3.3790% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,542 |
| Loan loss allowance to noncurrent loans | 63.2653% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.9893% | 254 |
| Noncurrent loans to loans | 1.5970% | 1,453 |
| Net loans and leases to total assets | 71.9088% | 2,058 |
| Net loans and leases to deposits | 83.3665% | 2,381 |
| Net loans and leases to core deposits | 88.4014% | 2,524 |
| Total domestic deposits to total assets | 86.2563% | 2,566 |
| Equity capital to assets | 10.9381% | 3,008 |
| Core capital (leverage) ratio | 10.4421% | 3,024 |
| Tier 1 risk-based capital ratio | 15.1962% | 3,067 |
| Total risk-based capital ratio | 16.2543% | 3,092 |
| Memoranda: | ||
| Average total assets | $17,091,000 | 6,067 |
| Average earning assets | $16,356,000 | 6,048 |
| Average equity | $1,828,000 | 6,060 |
| Average total loans | $12,486,500 | 5,909 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 1,694 |
| Cost of funding earning assets | 0.3262% | 3,954 |
| Net interest margin | 4.1420% | 1,302 |
| Noninterest income to average assets | 0.1665% | 5,585 |
| Noninterest expense to average assets | 3.2406% | 1,861 |
| Loan and lease loss provision to assets | 0.2973% | 582 |
| Net operating income to assets | 0.4222% | 4,980 |
| Return on assets (ROA) | 0.4222% | 5,062 |
| Pretax return on assets | 0.6303% | 4,743 |
| Return on Equity (ROE) | 3.9906% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.0913% | 3,856 |
| Net charge-offs to loans | 0.6245% | 383 |
| Credit loss provision to net charge-offs | 67.5676% | 3,166 |
| Earnings coverage of net charge-offs (x) | 2.1081% | 3,974 |
| Efficiency ratio | 77.7461% | 2,006 |
| Assets per employee ($millions) | 3.4542% | 4,904 |
| Cash dividends to net income (ytd only)* | 22.5352% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 4,779 |
| Loan loss allowance to noncurrent loans | 19.9675% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 3.7577% | 288 |
| Noncurrent loans to loans | 4.8504% | 203 |
| Net loans and leases to total assets | 72.8215% | 1,916 |
| Net loans and leases to deposits | 87.2554% | 1,965 |
| Net loans and leases to core deposits | 92.5869% | 2,167 |
| Total domestic deposits to total assets | 83.4578% | 3,690 |
| Equity capital to assets | 10.3758% | 3,525 |
| Core capital (leverage) ratio | 10.1818% | 3,283 |
| Tier 1 risk-based capital ratio | 15.1088% | 3,129 |
| Total risk-based capital ratio | 16.1793% | 3,141 |
| Memoranda: | ||
| Average total assets | $16,817,800 | 6,129 |
| Average earning assets | $16,248,200 | 6,107 |
| Average equity | $1,779,200 | 6,121 |
| Average total loans | $11,848,600 | 5,975 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 1,766 |
| Cost of funding earning assets | 0.3224% | 4,077 |
| Net interest margin | 4.1245% | 1,340 |
| Noninterest income to average assets | 0.1437% | 5,760 |
| Noninterest expense to average assets | 3.1208% | 2,170 |
| Loan and lease loss provision to assets | 0.2794% | 561 |
| Net operating income to assets | 0.4469% | 4,984 |
| Return on assets (ROA) | 0.4469% | 5,071 |
| Pretax return on assets | 0.7263% | 4,585 |
| Return on Equity (ROE) | 4.2038% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.2038% | 3,476 |
| Net charge-offs to loans | 0.8594% | 227 |
| Credit loss provision to net charge-offs | 46.6667% | 3,074 |
| Earnings coverage of net charge-offs (x) | 1.6800% | 3,792 |
| Efficiency ratio | 75.6286% | 2,300 |
| Assets per employee ($millions) | 3.4058% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 5,219 |
| Loan loss allowance to noncurrent loans | 22.8632% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.9420% | 527 |
| Noncurrent loans to loans | 3.9117% | 342 |
| Net loans and leases to total assets | 69.6283% | 2,444 |
| Net loans and leases to deposits | 78.3623% | 3,062 |
| Net loans and leases to core deposits | 84.3794% | 2,999 |
| Total domestic deposits to total assets | 88.8543% | 1,094 |
| Equity capital to assets | 10.5996% | 3,479 |
| Core capital (leverage) ratio | 10.4655% | 3,080 |
| Tier 1 risk-based capital ratio | 15.5123% | 3,040 |
| Total risk-based capital ratio | 16.4673% | 3,115 |
| Memoranda: | ||
| Average total assets | $16,704,500 | 6,216 |
| Average earning assets | $16,131,000 | 6,194 |
| Average equity | $1,776,000 | 6,208 |
| Average total loans | $11,635,750 | 6,056 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 1,807 |
| Cost of funding earning assets | 0.3242% | 4,101 |
| Net interest margin | 4.0904% | 1,377 |
| Noninterest income to average assets | 0.1446% | 5,842 |
| Noninterest expense to average assets | 3.1573% | 2,103 |
| Loan and lease loss provision to assets | 0.2410% | 753 |
| Net operating income to assets | 0.3977% | 5,142 |
| Return on assets (ROA) | 0.3977% | 5,250 |
| Pretax return on assets | 0.6989% | 4,654 |
| Return on Equity (ROE) | 3.7366% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.7366% | 3,638 |
| Net charge-offs to loans | 0.5379% | 455 |
| Credit loss provision to net charge-offs | 64.5161% | 2,547 |
| Earnings coverage of net charge-offs (x) | 2.5161% | 3,327 |
| Efficiency ratio | 77.0588% | 2,192 |
| Assets per employee ($millions) | 3.2800% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 3,920 |
| Loan loss allowance to noncurrent loans | 26.5625% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.3293% | 449 |
| Noncurrent loans to loans | 4.4344% | 313 |
| Net loans and leases to total assets | 69.5732% | 2,389 |
| Net loans and leases to deposits | 78.9510% | 2,914 |
| Net loans and leases to core deposits | 85.3212% | 2,847 |
| Total domestic deposits to total assets | 88.1220% | 1,585 |
| Equity capital to assets | 10.8293% | 3,077 |
| Core capital (leverage) ratio | 10.4944% | 2,959 |
| Tier 1 risk-based capital ratio | 15.7210% | 2,987 |
| Total risk-based capital ratio | 16.9676% | 2,941 |
| Memoranda: | ||
| Average total assets | $16,596,330 | 6,293 |
| Average earning assets | $16,037,670 | 6,268 |
| Average equity | $1,766,330 | 6,283 |
| Average total loans | $11,526,330 | 6,126 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 1,844 |
| Cost of funding earning assets | 0.3216% | 4,203 |
| Net interest margin | 4.0571% | 1,396 |
| Noninterest income to average assets | 0.1438% | 5,887 |
| Noninterest expense to average assets | 3.0669% | 2,375 |
| Loan and lease loss provision to assets | 0.1198% | 1,730 |
| Net operating income to assets | 0.8146% | 3,187 |
| Return on assets (ROA) | 0.8146% | 3,314 |
| Pretax return on assets | 0.8865% | 3,940 |
| Return on Equity (ROE) | 7.7207% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.7207% | 1,677 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2941% | 2,610 |
| Assets per employee ($millions) | 3.2994% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 3,186 |
| Loan loss allowance to noncurrent loans | 26.4348% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 3.6916% | 430 |
| Noncurrent loans to loans | 5.0697% | 259 |
| Net loans and leases to total assets | 67.8305% | 2,471 |
| Net loans and leases to deposits | 76.4240% | 3,003 |
| Net loans and leases to core deposits | 82.5039% | 2,907 |
| Total domestic deposits to total assets | 88.7555% | 1,416 |
| Equity capital to assets | 10.8323% | 3,161 |
| Core capital (leverage) ratio | 9.9496% | 3,666 |
| Tier 1 risk-based capital ratio | 15.9851% | 2,929 |
| Total risk-based capital ratio | 17.2333% | 2,866 |
| Memoranda: | ||
| Average total assets | $16,694,500 | 6,359 |
| Average earning assets | $16,169,000 | 6,332 |
| Average equity | $1,761,500 | 6,350 |
| Average total loans | $11,516,500 | 6,192 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 2,171 |
| Cost of funding earning assets | 0.3331% | 4,456 |
| Net interest margin | 4.0841% | 1,633 |
| Noninterest income to average assets | 0.1670% | 5,863 |
| Noninterest expense to average assets | 3.1431% | 2,384 |
| Loan and lease loss provision to assets | 0.0298% | 4,012 |
| Net operating income to assets | 0.6978% | 3,901 |
| Return on assets (ROA) | 0.6978% | 4,021 |
| Pretax return on assets | 0.9423% | 3,724 |
| Return on Equity (ROE) | 6.9892% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.0335% | 1,907 |
| Net charge-offs to loans | 0.2535% | 1,687 |
| Credit loss provision to net charge-offs | 17.8571% | 3,999 |
| Earnings coverage of net charge-offs (x) | 5.8214% | 3,345 |
| Efficiency ratio | 76.3768% | 2,456 |
| Assets per employee ($millions) | 3.3784% | 5,113 |
| Cash dividends to net income (ytd only)* | 13.6752% | 4,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,682 |
| Loan loss allowance to noncurrent loans | 22.7202% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 4.0374% | 413 |
| Noncurrent loans to loans | 5.5342% | 234 |
| Net loans and leases to total assets | 68.3400% | 2,506 |
| Net loans and leases to deposits | 81.5024% | 2,538 |
| Net loans and leases to core deposits | 88.2232% | 2,471 |
| Total domestic deposits to total assets | 83.8503% | 3,785 |
| Equity capital to assets | 10.2771% | 3,759 |
| Core capital (leverage) ratio | 10.1376% | 3,382 |
| Tier 1 risk-based capital ratio | 15.3075% | 3,308 |
| Total risk-based capital ratio | 16.5558% | 3,265 |
| Memoranda: | ||
| Average total assets | $16,767,000 | 6,447 |
| Average earning assets | $16,209,200 | 6,420 |
| Average equity | $1,674,000 | 6,440 |
| Average total loans | $11,046,000 | 6,285 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 2,120 |
| Cost of funding earning assets | 0.3383% | 4,484 |
| Net interest margin | 4.0918% | 1,601 |
| Noninterest income to average assets | 0.1355% | 6,097 |
| Noninterest expense to average assets | 3.0752% | 2,543 |
| Loan and lease loss provision to assets | 0.0399% | 3,616 |
| Net operating income to assets | 0.7648% | 3,597 |
| Return on assets (ROA) | 0.7648% | 3,694 |
| Pretax return on assets | 0.9720% | 3,708 |
| Return on Equity (ROE) | 7.7178% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.7178% | 1,485 |
| Net charge-offs to loans | -0.0122% | 5,478 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2437% | 2,628 |
| Assets per employee ($millions) | 3.2524% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 2,247 |
| Loan loss allowance to noncurrent loans | 32.1168% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 3.5850% | 589 |
| Noncurrent loans to loans | 5.0289% | 363 |
| Net loans and leases to total assets | 65.9267% | 2,882 |
| Net loans and leases to deposits | 76.0193% | 3,179 |
| Net loans and leases to core deposits | 84.1919% | 2,860 |
| Total domestic deposits to total assets | 86.7237% | 2,461 |
| Equity capital to assets | 10.5645% | 3,478 |
| Core capital (leverage) ratio | 10.2698% | 3,316 |
| Tier 1 risk-based capital ratio | 16.1820% | 2,969 |
| Total risk-based capital ratio | 17.4379% | 2,920 |
| Memoranda: | ||
| Average total assets | $16,735,750 | 6,525 |
| Average earning assets | $16,162,250 | 6,499 |
| Average equity | $1,658,500 | 6,518 |
| Average total loans | $10,884,750 | 6,362 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 2,627 |
| Cost of funding earning assets | 0.3307% | 4,638 |
| Net interest margin | 3.9561% | 1,943 |
| Noninterest income to average assets | 0.1302% | 6,163 |
| Noninterest expense to average assets | 2.9952% | 2,844 |
| Loan and lease loss provision to assets | 0.0592% | 3,089 |
| Net operating income to assets | 0.6866% | 3,914 |
| Return on assets (ROA) | 0.6866% | 4,008 |
| Pretax return on assets | 0.8997% | 3,891 |
| Return on Equity (ROE) | 7.0789% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.0789% | 1,732 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7485% | 2,679 |
| Assets per employee ($millions) | 3.3444% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 2,393 |
| Loan loss allowance to noncurrent loans | 105.4217% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 2,672 |
| Noncurrent loans to loans | 1.5360% | 2,260 |
| Net loans and leases to total assets | 63.5809% | 3,145 |
| Net loans and leases to deposits | 71.4516% | 3,642 |
| Net loans and leases to core deposits | 78.6914% | 3,353 |
| Total domestic deposits to total assets | 88.9846% | 1,363 |
| Equity capital to assets | 10.0466% | 4,042 |
| Core capital (leverage) ratio | 9.9121% | 3,727 |
| Tier 1 risk-based capital ratio | 15.9937% | 3,090 |
| Total risk-based capital ratio | 17.2451% | 3,026 |
| Memoranda: | ||
| Average total assets | $16,893,670 | 6,591 |
| Average earning assets | $16,329,330 | 6,562 |
| Average equity | $1,638,670 | 6,582 |
| Average total loans | $10,880,670 | 6,420 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 3,026 |
| Cost of funding earning assets | 0.3408% | 4,638 |
| Net interest margin | 3.8218% | 2,379 |
| Noninterest income to average assets | 0.1178% | 6,259 |
| Noninterest expense to average assets | 2.9918% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7303% | 3,541 |
| Return on assets (ROA) | 0.7303% | 3,619 |
| Pretax return on assets | 0.8245% | 4,003 |
| Return on Equity (ROE) | 7.6638% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.6638% | 1,742 |
| Net charge-offs to loans | 0.0366% | 2,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 952 |
| Efficiency ratio | 78.3951% | 2,428 |
| Assets per employee ($millions) | 3.4172% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 2,680 |
| Loan loss allowance to noncurrent loans | 187.7778% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 3,909 |
| Noncurrent loans to loans | 0.8547% | 3,757 |
| Net loans and leases to total assets | 60.6403% | 3,455 |
| Net loans and leases to deposits | 67.3054% | 3,936 |
| Net loans and leases to core deposits | 73.8700% | 3,660 |
| Total domestic deposits to total assets | 90.0972% | 1,016 |
| Equity capital to assets | 9.5926% | 4,363 |
| Core capital (leverage) ratio | 9.1508% | 4,787 |
| Tier 1 risk-based capital ratio | 15.9311% | 3,200 |
| Total risk-based capital ratio | 17.1878% | 3,153 |
| Memoranda: | ||
| Average total assets | $16,979,500 | 6,663 |
| Average earning assets | $16,432,000 | 6,633 |
| Average equity | $1,618,000 | 6,652 |
| Average total loans | $10,917,500 | 6,486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 3,508 |
| Cost of funding earning assets | 0.4096% | 4,547 |
| Net interest margin | 3.7479% | 2,859 |
| Noninterest income to average assets | 0.1226% | 6,309 |
| Noninterest expense to average assets | 2.9716% | 3,126 |
| Loan and lease loss provision to assets | 0.0876% | 3,353 |
| Net operating income to assets | 0.4437% | 4,984 |
| Return on assets (ROA) | 0.4437% | 5,106 |
| Pretax return on assets | 0.6422% | 4,731 |
| Return on Equity (ROE) | 4.7931% | 4,722 |
| Retained earnings to average equity (ytd only) | 3.7841% | 3,507 |
| Net charge-offs to loans | -0.0380% | 6,272 |
| Credit loss provision to net charge-offs | -375.0000% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2839% | 2,107 |
| Assets per employee ($millions) | 3.3746% | 5,147 |
| Cash dividends to net income (ytd only)* | 21.0526% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,165 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 4,889 |
| Noncurrent loans to loans | 0.3538% | 5,126 |
| Net loans and leases to total assets | 65.9930% | 2,692 |
| Net loans and leases to deposits | 74.6814% | 3,159 |
| Net loans and leases to core deposits | 82.2257% | 2,871 |
| Total domestic deposits to total assets | 88.3660% | 1,969 |
| Equity capital to assets | 9.4648% | 4,478 |
| Core capital (leverage) ratio | 9.2895% | 4,573 |
| Tier 1 risk-based capital ratio | 15.2214% | 3,531 |
| Total risk-based capital ratio | 16.4754% | 3,475 |
| Memoranda: | ||
| Average total assets | $17,129,000 | 6,739 |
| Average earning assets | $16,356,000 | 6,713 |
| Average equity | $1,585,600 | 6,747 |
| Average total loans | $10,526,200 | 6,566 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 3,812 |
| Cost of funding earning assets | 0.4235% | 4,576 |
| Net interest margin | 3.6650% | 3,173 |
| Noninterest income to average assets | 0.1241% | 6,403 |
| Noninterest expense to average assets | 2.8616% | 3,435 |
| Loan and lease loss provision to assets | 0.0775% | 3,509 |
| Net operating income to assets | 0.4420% | 5,059 |
| Return on assets (ROA) | 0.4420% | 5,198 |
| Pretax return on assets | 0.6747% | 4,772 |
| Return on Equity (ROE) | 4.8018% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.8018% | 3,233 |
| Net charge-offs to loans | -0.0258% | 6,124 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1845% | 2,236 |
| Assets per employee ($millions) | 3.4008% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 3,489 |
| Loan loss allowance to noncurrent loans | 16,300.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 5,798 |
| Noncurrent loans to loans | 0.0092% | 6,350 |
| Net loans and leases to total assets | 63.2616% | 3,114 |
| Net loans and leases to deposits | 70.1056% | 3,773 |
| Net loans and leases to core deposits | 76.9566% | 3,505 |
| Total domestic deposits to total assets | 90.2376% | 872 |
| Equity capital to assets | 9.3272% | 4,767 |
| Core capital (leverage) ratio | 9.3282% | 4,652 |
| Tier 1 risk-based capital ratio | 15.5256% | 3,458 |
| Total risk-based capital ratio | 16.7767% | 3,418 |
| Memoranda: | ||
| Average total assets | $17,193,000 | 6,817 |
| Average earning assets | $16,371,000 | 6,790 |
| Average equity | $1,582,750 | 6,829 |
| Average total loans | $10,331,500 | 6,648 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 3,624 |
| Cost of funding earning assets | 0.4399% | 4,545 |
| Net interest margin | 3.6901% | 2,993 |
| Noninterest income to average assets | 0.1159% | 6,475 |
| Noninterest expense to average assets | 2.7816% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5911% | 4,333 |
| Return on assets (ROA) | 0.5911% | 4,520 |
| Pretax return on assets | 0.8345% | 4,178 |
| Return on Equity (ROE) | 6.4489% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.4489% | 2,173 |
| Net charge-offs to loans | -0.0395% | 6,182 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9231% | 2,639 |
| Assets per employee ($millions) | 3.3670% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,533 |
| Loan loss allowance to noncurrent loans | 493.5484% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 5,287 |
| Noncurrent loans to loans | 0.3063% | 5,538 |
| Net loans and leases to total assets | 59.2159% | 3,795 |
| Net loans and leases to deposits | 65.6546% | 4,307 |
| Net loans and leases to core deposits | 72.1450% | 4,019 |
| Total domestic deposits to total assets | 90.1931% | 916 |
| Equity capital to assets | 9.4387% | 4,664 |
| Core capital (leverage) ratio | 9.1513% | 4,755 |
| Tier 1 risk-based capital ratio | 16.4933% | 2,942 |
| Total risk-based capital ratio | 17.7435% | 2,896 |
| Memoranda: | ||
| Average total assets | $17,256,000 | 6,865 |
| Average earning assets | $16,368,000 | 6,838 |
| Average equity | $1,581,670 | 6,875 |
| Average total loans | $10,135,330 | 6,699 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 3,787 |
| Cost of funding earning assets | 0.4620% | 4,458 |
| Net interest margin | 3.6228% | 3,174 |
| Noninterest income to average assets | 0.1374% | 6,413 |
| Noninterest expense to average assets | 2.7481% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6412% | 4,011 |
| Return on assets (ROA) | 0.6412% | 4,174 |
| Pretax return on assets | 0.8015% | 4,163 |
| Return on Equity (ROE) | 7.0976% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.0976% | 2,109 |
| Net charge-offs to loans | -0.0394% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,706 |
| Assets per employee ($millions) | 3.5516% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,751 |
| Loan loss allowance to noncurrent loans | 7,600.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 5,922 |
| Noncurrent loans to loans | 0.0200% | 6,437 |
| Net loans and leases to total assets | 55.5862% | 4,155 |
| Net loans and leases to deposits | 61.2991% | 4,643 |
| Net loans and leases to core deposits | 66.9765% | 4,418 |
| Total domestic deposits to total assets | 90.6803% | 679 |
| Equity capital to assets | 8.9481% | 5,559 |
| Core capital (leverage) ratio | 8.5640% | 5,489 |
| Tier 1 risk-based capital ratio | 16.0128% | 3,261 |
| Total risk-based capital ratio | 17.2653% | 3,220 |
| Memoranda: | ||
| Average total assets | $17,466,500 | 6,933 |
| Average earning assets | $16,451,500 | 6,907 |
| Average equity | $1,578,000 | 6,940 |
| Average total loans | $10,142,000 | 6,762 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 3,144 |
| Cost of funding earning assets | 0.5983% | 4,372 |
| Net interest margin | 3.9678% | 2,537 |
| Noninterest income to average assets | 0.1526% | 6,271 |
| Noninterest expense to average assets | 3.0398% | 3,137 |
| Loan and lease loss provision to assets | 0.2054% | 3,090 |
| Net operating income to assets | 0.3873% | 5,149 |
| Return on assets (ROA) | 0.3873% | 5,385 |
| Pretax return on assets | 0.6044% | 4,983 |
| Return on Equity (ROE) | 4.2477% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.2179% | 3,957 |
| Net charge-offs to loans | 0.0497% | 5,217 |
| Credit loss provision to net charge-offs | 700.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,068 |
| Efficiency ratio | 78.9634% | 2,278 |
| Assets per employee ($millions) | 3.4350% | 5,135 |
| Cash dividends to net income (ytd only)* | 24.2424% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 3,857 |
| Loan loss allowance to noncurrent loans | 7,550.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,989 |
| Noncurrent loans to loans | 0.0195% | 6,488 |
| Net loans and leases to total assets | 58.8646% | 3,827 |
| Net loans and leases to deposits | 65.0077% | 4,426 |
| Net loans and leases to core deposits | 71.2624% | 4,138 |
| Total domestic deposits to total assets | 90.5502% | 681 |
| Equity capital to assets | 9.1237% | 5,370 |
| Core capital (leverage) ratio | 8.9786% | 4,932 |
| Tier 1 risk-based capital ratio | 15.8328% | 3,256 |
| Total risk-based capital ratio | 17.0836% | 3,209 |
| Memoranda: | ||
| Average total assets | $17,040,400 | 7,001 |
| Average earning assets | $15,878,000 | 6,981 |
| Average equity | $1,553,800 | 7,020 |
| Average total loans | $10,056,800 | 6,845 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 3,242 |
| Cost of funding earning assets | 0.6199% | 4,450 |
| Net interest margin | 3.9712% | 2,616 |
| Noninterest income to average assets | 0.1568% | 6,367 |
| Noninterest expense to average assets | 2.8850% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8075% | 3,414 |
| Return on assets (ROA) | 0.8075% | 3,658 |
| Pretax return on assets | 0.9878% | 3,763 |
| Return on Equity (ROE) | 8.8571% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.8571% | 1,283 |
| Net charge-offs to loans | -0.0133% | 6,420 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4939% | 2,901 |
| Assets per employee ($millions) | 3.4718% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,325 |
| Loan loss allowance to noncurrent loans | 1,109.0909% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,011 |
| Noncurrent loans to loans | 0.1074% | 6,349 |
| Net loans and leases to total assets | 58.3040% | 4,082 |
| Net loans and leases to deposits | 64.8699% | 4,612 |
| Net loans and leases to core deposits | 71.0794% | 4,368 |
| Total domestic deposits to total assets | 89.8784% | 907 |
| Equity capital to assets | 9.3151% | 5,447 |
| Core capital (leverage) ratio | 8.8997% | 5,197 |
| Tier 1 risk-based capital ratio | 16.3440% | 3,087 |
| Total risk-based capital ratio | 17.5932% | 3,054 |
| Memoranda: | ||
| Average total assets | $17,006,750 | 7,097 |
| Average earning assets | $15,914,250 | 7,075 |
| Average equity | $1,550,500 | 7,117 |
| Average total loans | $10,005,750 | 6,938 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 3,250 |
| Cost of funding earning assets | 0.6354% | 4,568 |
| Net interest margin | 3.9903% | 2,545 |
| Noninterest income to average assets | 0.1539% | 6,430 |
| Noninterest expense to average assets | 2.7947% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9000% | 2,908 |
| Return on assets (ROA) | 0.9000% | 3,178 |
| Pretax return on assets | 1.0776% | 3,384 |
| Return on Equity (ROE) | 9.9455% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.9455% | 993 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1713% | 3,404 |
| Assets per employee ($millions) | 3.5538% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,320 |
| Loan loss allowance to noncurrent loans | 34.6705% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 2.1723% | 2,572 |
| Noncurrent loans to loans | 3.4848% | 1,646 |
| Net loans and leases to total assets | 55.6812% | 4,519 |
| Net loans and leases to deposits | 64.3136% | 4,719 |
| Net loans and leases to core deposits | 70.5656% | 4,461 |
| Total domestic deposits to total assets | 86.5777% | 3,026 |
| Equity capital to assets | 8.8075% | 5,904 |
| Core capital (leverage) ratio | 8.9888% | 4,934 |
| Tier 1 risk-based capital ratio | 16.1746% | 3,082 |
| Total risk-based capital ratio | 17.4204% | 3,042 |
| Memoranda: | ||
| Average total assets | $16,889,330 | 7,158 |
| Average earning assets | $15,738,330 | 7,137 |
| Average equity | $1,528,330 | 7,176 |
| Average total loans | $9,926,670 | 6,998 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 3,089 |
| Cost of funding earning assets | 0.6552% | 4,678 |
| Net interest margin | 4.0358% | 2,348 |
| Noninterest income to average assets | 0.1459% | 6,511 |
| Noninterest expense to average assets | 3.0153% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6566% | 4,097 |
| Return on assets (ROA) | 0.6566% | 4,311 |
| Pretax return on assets | 0.8754% | 4,131 |
| Return on Equity (ROE) | 7.1523% | 3,689 |
| Retained earnings to average equity (ytd only) | 7.1523% | 2,350 |
| Net charge-offs to loans | 0.0810% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,284 |
| Efficiency ratio | 77.5000% | 2,569 |
| Assets per employee ($millions) | 3.4354% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 5,180 |
| Loan loss allowance to noncurrent loans | 991.6667% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 6,179 |
| Noncurrent loans to loans | 0.1275% | 6,428 |
| Net loans and leases to total assets | 54.0839% | 4,706 |
| Net loans and leases to deposits | 59.5780% | 5,202 |
| Net loans and leases to core deposits | 65.2754% | 4,989 |
| Total domestic deposits to total assets | 90.7784% | 652 |
| Equity capital to assets | 8.8549% | 5,688 |
| Core capital (leverage) ratio | 8.7499% | 5,200 |
| Tier 1 risk-based capital ratio | 16.7808% | 2,768 |
| Total risk-based capital ratio | 18.0267% | 2,729 |
| Memoranda: | ||
| Average total assets | $16,449,500 | 7,224 |
| Average earning assets | $15,263,500 | 7,206 |
| Average equity | $1,510,000 | 7,234 |
| Average total loans | $9,882,500 | 7,065 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 1,912 |
| Cost of funding earning assets | 0.9098% | 4,054 |
| Net interest margin | 4.3302% | 1,604 |
| Noninterest income to average assets | 0.0254% | 6,923 |
| Noninterest expense to average assets | 3.2126% | 2,821 |
| Loan and lease loss provision to assets | 0.1841% | 4,353 |
| Net operating income to assets | 0.4914% | 4,463 |
| Return on assets (ROA) | 0.5397% | 4,466 |
| Pretax return on assets | 0.7111% | 4,288 |
| Return on Equity (ROE) | 5.7705% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.6843% | 2,862 |
| Net charge-offs to loans | 0.1161% | 5,217 |
| Credit loss provision to net charge-offs | 241.6667% | 998 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,778 |
| Efficiency ratio | 79.4349% | 2,382 |
| Assets per employee ($millions) | 3.1444% | 5,824 |
| Cash dividends to net income (ytd only)* | 18.8235% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,545 |
| Loan loss allowance to noncurrent loans | 550.0000% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 6,037 |
| Noncurrent loans to loans | 0.2124% | 6,316 |
| Net loans and leases to total assets | 65.0999% | 2,957 |
| Net loans and leases to deposits | 74.3336% | 3,444 |
| Net loans and leases to core deposits | 82.4871% | 3,109 |
| Total domestic deposits to total assets | 87.5779% | 2,427 |
| Equity capital to assets | 9.5344% | 4,825 |
| Core capital (leverage) ratio | 9.2379% | 4,415 |
| Tier 1 risk-based capital ratio | 15.5624% | 3,288 |
| Total risk-based capital ratio | 16.8133% | 3,242 |
| Memoranda: | ||
| Average total assets | $15,750,400 | 7,276 |
| Average earning assets | $14,618,400 | 7,254 |
| Average equity | $1,473,000 | 7,291 |
| Average total loans | $10,334,800 | 7,105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 1,796 |
| Cost of funding earning assets | 0.9550% | 3,999 |
| Net interest margin | 4.3621% | 1,522 |
| Noninterest income to average assets | -0.0169% | 7,134 |
| Noninterest expense to average assets | 3.0969% | 3,175 |
| Loan and lease loss provision to assets | 0.2454% | 3,551 |
| Net operating income to assets | 0.5779% | 4,187 |
| Return on assets (ROA) | 0.6515% | 4,036 |
| Pretax return on assets | 0.7446% | 4,332 |
| Return on Equity (ROE) | 7.0003% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.0003% | 1,968 |
| Net charge-offs to loans | 0.1162% | 4,856 |
| Credit loss provision to net charge-offs | 322.2222% | 867 |
| Earnings coverage of net charge-offs (x) | 11.8883% | 1,767 |
| Efficiency ratio | 77.3784% | 2,631 |
| Assets per employee ($millions) | 3.1802% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,324 |
| Loan loss allowance to noncurrent loans | 539.1304% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 6,135 |
| Noncurrent loans to loans | 0.2291% | 6,414 |
| Net loans and leases to total assets | 62.3609% | 3,638 |
| Net loans and leases to deposits | 69.3621% | 4,409 |
| Net loans and leases to core deposits | 76.6424% | 4,103 |
| Total domestic deposits to total assets | 89.9063% | 918 |
| Equity capital to assets | 9.5340% | 5,030 |
| Core capital (leverage) ratio | 9.3546% | 4,370 |
| Tier 1 risk-based capital ratio | 16.0195% | 3,111 |
| Total risk-based capital ratio | 17.2668% | 3,073 |
| Memoranda: | ||
| Average total assets | $15,757,500 | 7,355 |
| Average earning assets | $14,518,750 | 7,332 |
| Average equity | $1,466,500 | 7,368 |
| Average total loans | $10,329,500 | 7,180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 2,571 |
| Cost of funding earning assets | 1.0248% | 3,782 |
| Net interest margin | 4.0992% | 2,412 |
| Noninterest income to average assets | 0.2801% | 5,644 |
| Noninterest expense to average assets | 3.2846% | 2,620 |
| Loan and lease loss provision to assets | 0.3692% | 2,580 |
| Net operating income to assets | 0.3692% | 5,088 |
| Return on assets (ROA) | 0.3692% | 5,229 |
| Pretax return on assets | 0.3947% | 5,410 |
| Return on Equity (ROE) | 4.0000% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.0000% | 3,657 |
| Net charge-offs to loans | 0.1918% | 4,008 |
| Credit loss provision to net charge-offs | 290.0000% | 1,055 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,493 |
| Efficiency ratio | 81.1321% | 2,224 |
| Assets per employee ($millions) | 3.1540% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,578 |
| Loan loss allowance to noncurrent loans | 2,460.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,464 |
| Noncurrent loans to loans | 0.0485% | 6,863 |
| Net loans and leases to total assets | 64.6354% | 3,332 |
| Net loans and leases to deposits | 71.7615% | 4,149 |
| Net loans and leases to core deposits | 79.9639% | 3,790 |
| Total domestic deposits to total assets | 90.0698% | 940 |
| Equity capital to assets | 9.3659% | 5,048 |
| Core capital (leverage) ratio | 8.5345% | 5,497 |
| Tier 1 risk-based capital ratio | 15.1753% | 3,410 |
| Total risk-based capital ratio | 16.4400% | 3,363 |
| Memoranda: | ||
| Average total assets | $15,709,670 | 7,428 |
| Average earning assets | $14,441,670 | 7,406 |
| Average equity | $1,450,000 | 7,440 |
| Average total loans | $10,426,000 | 7,247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 2,601 |
| Cost of funding earning assets | 1.0727% | 3,702 |
| Net interest margin | 4.0368% | 2,529 |
| Noninterest income to average assets | 0.2806% | 5,665 |
| Noninterest expense to average assets | 3.4440% | 2,161 |
| Loan and lease loss provision to assets | 0.3827% | 2,267 |
| Net operating income to assets | 0.1786% | 5,855 |
| Return on assets (ROA) | 0.1786% | 5,907 |
| Pretax return on assets | 0.1020% | 6,162 |
| Return on Equity (ROE) | 1.9492% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.9492% | 4,956 |
| Net charge-offs to loans | 0.1145% | 3,845 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,116 |
| Efficiency ratio | 87.6623% | 1,556 |
| Assets per employee ($millions) | 3.2918% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,779 |
| Loan loss allowance to noncurrent loans | 1,288.8889% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 5,540 |
| Noncurrent loans to loans | 0.0906% | 6,821 |
| Net loans and leases to total assets | 59.6573% | 4,333 |
| Net loans and leases to deposits | 65.7405% | 5,011 |
| Net loans and leases to core deposits | 72.8304% | 4,669 |
| Total domestic deposits to total assets | 90.7467% | 743 |
| Equity capital to assets | 8.7794% | 5,528 |
| Core capital (leverage) ratio | 8.2828% | 5,840 |
| Tier 1 risk-based capital ratio | 14.6182% | 3,665 |
| Total risk-based capital ratio | 15.8234% | 3,653 |
| Memoranda: | ||
| Average total assets | $15,679,500 | 7,488 |
| Average earning assets | $14,169,500 | 7,468 |
| Average equity | $1,436,500 | 7,494 |
| Average total loans | $10,481,000 | 7,301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8156% | 1,238 |
| Cost of funding earning assets | 1.3238% | 3,728 |
| Net interest margin | 4.4918% | 1,244 |
| Noninterest income to average assets | 0.4034% | 4,887 |
| Noninterest expense to average assets | 3.9311% | 1,263 |
| Loan and lease loss provision to assets | 0.8546% | 1,914 |
| Net operating income to assets | -0.1436% | 6,042 |
| Return on assets (ROA) | 0.1231% | 5,675 |
| Pretax return on assets | 0.0137% | 5,870 |
| Return on Equity (ROE) | 1.2414% | 5,640 |
| Retained earnings to average equity (ytd only) | 0.1379% | 5,514 |
| Net charge-offs to loans | 1.4463% | 1,529 |
| Credit loss provision to net charge-offs | 83.3333% | 5,414 |
| Earnings coverage of net charge-offs (x) | 0.5867% | 5,522 |
| Efficiency ratio | 86.7270% | 1,597 |
| Assets per employee ($millions) | 2.9800% | 6,146 |
| Cash dividends to net income (ytd only)* | 88.8889% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 6,597 |
| Loan loss allowance to noncurrent loans | 102.9703% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5369% | 4,007 |
| Noncurrent loans to loans | 0.9159% | 5,222 |
| Net loans and leases to total assets | 73.3087% | 1,808 |
| Net loans and leases to deposits | 81.5088% | 2,907 |
| Net loans and leases to core deposits | 90.6624% | 2,669 |
| Total domestic deposits to total assets | 89.9396% | 1,134 |
| Equity capital to assets | 9.5839% | 4,292 |
| Core capital (leverage) ratio | 9.2623% | 4,083 |
| Tier 1 risk-based capital ratio | 13.4810% | 4,220 |
| Total risk-based capital ratio | 14.4824% | 4,381 |
| Memoranda: | ||
| Average total assets | $14,627,000 | 7,577 |
| Average earning assets | $13,446,600 | 7,557 |
| Average equity | $1,450,000 | 7,595 |
| Average total loans | $10,371,200 | 7,373 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8644% | 1,218 |
| Cost of funding earning assets | 1.3610% | 3,828 |
| Net interest margin | 4.5034% | 1,250 |
| Noninterest income to average assets | 0.4396% | 4,642 |
| Noninterest expense to average assets | 3.9929% | 1,053 |
| Loan and lease loss provision to assets | 1.1447% | 1,269 |
| Net operating income to assets | -0.3019% | 6,427 |
| Return on assets (ROA) | -0.0733% | 6,246 |
| Pretax return on assets | -0.2198% | 6,334 |
| Return on Equity (ROE) | -0.7331% | 6,253 |
| Retained earnings to average equity (ytd only) | -0.7331% | 5,971 |
| Net charge-offs to loans | 1.9724% | 965 |
| Credit loss provision to net charge-offs | 82.7815% | 5,049 |
| Earnings coverage of net charge-offs (x) | 0.4106% | 5,610 |
| Efficiency ratio | 87.5502% | 1,488 |
| Assets per employee ($millions) | 2.9026% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 6,397 |
| Loan loss allowance to noncurrent loans | 198.0769% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 4,373 |
| Noncurrent loans to loans | 0.5046% | 6,192 |
| Net loans and leases to total assets | 70.3025% | 2,663 |
| Net loans and leases to deposits | 78.5390% | 3,729 |
| Net loans and leases to core deposits | 87.6321% | 3,423 |
| Total domestic deposits to total assets | 89.5129% | 1,121 |
| Equity capital to assets | 9.8257% | 4,379 |
| Core capital (leverage) ratio | 9.4413% | 3,999 |
| Tier 1 risk-based capital ratio | 14.3196% | 3,619 |
| Total risk-based capital ratio | 15.3814% | 3,714 |
| Memoranda: | ||
| Average total assets | $14,558,750 | 7,678 |
| Average earning assets | $13,323,000 | 7,658 |
| Average equity | $1,455,500 | 7,693 |
| Average total loans | $10,207,250 | 7,484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 1,273 |
| Cost of funding earning assets | 1.3722% | 4,043 |
| Net interest margin | 4.4896% | 1,225 |
| Noninterest income to average assets | 0.5078% | 4,048 |
| Noninterest expense to average assets | 3.9385% | 1,124 |
| Loan and lease loss provision to assets | 0.8920% | 1,635 |
| Net operating income to assets | 0.0274% | 6,043 |
| Return on assets (ROA) | 0.5489% | 4,239 |
| Pretax return on assets | 0.3294% | 5,424 |
| Return on Equity (ROE) | 5.4595% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.4595% | 2,638 |
| Net charge-offs to loans | -0.1179% | 7,578 |
| Credit loss provision to net charge-offs | -1,083.3333% | 6,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9112% | 1,824 |
| Assets per employee ($millions) | 2.9678% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 2,509 |
| Loan loss allowance to noncurrent loans | 434.7826% | 722 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 4,037 |
| Noncurrent loans to loans | 0.4298% | 6,379 |
| Net loans and leases to total assets | 70.7730% | 2,721 |
| Net loans and leases to deposits | 79.0575% | 3,788 |
| Net loans and leases to core deposits | 87.9859% | 3,550 |
| Total domestic deposits to total assets | 89.5209% | 1,168 |
| Equity capital to assets | 9.8794% | 4,166 |
| Core capital (leverage) ratio | 9.7530% | 3,466 |
| Tier 1 risk-based capital ratio | 13.9650% | 3,758 |
| Total risk-based capital ratio | 15.1992% | 3,730 |
| Memoranda: | ||
| Average total assets | $14,574,000 | 7,740 |
| Average earning assets | $13,408,670 | 7,718 |
| Average equity | $1,465,330 | 7,759 |
| Average total loans | $10,174,330 | 7,546 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9686% | 1,036 |
| Cost of funding earning assets | 1.3956% | 4,212 |
| Net interest margin | 4.5730% | 1,000 |
| Noninterest income to average assets | 0.4709% | 4,294 |
| Noninterest expense to average assets | 4.1547% | 855 |
| Loan and lease loss provision to assets | 0.4155% | 2,884 |
| Net operating income to assets | 0.6094% | 3,854 |
| Return on assets (ROA) | 0.7755% | 3,191 |
| Pretax return on assets | 0.3324% | 5,517 |
| Return on Equity (ROE) | 7.6451% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.6451% | 1,860 |
| Net charge-offs to loans | -0.2018% | 7,675 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7193% | 1,619 |
| Assets per employee ($millions) | 2.8992% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 3,765 |
| Loan loss allowance to noncurrent loans | 323.9130% | 935 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 4,021 |
| Noncurrent loans to loans | 0.4714% | 6,353 |
| Net loans and leases to total assets | 66.2873% | 3,790 |
| Net loans and leases to deposits | 74.2811% | 4,697 |
| Net loans and leases to core deposits | 82.8862% | 4,361 |
| Total domestic deposits to total assets | 89.2384% | 1,403 |
| Equity capital to assets | 10.1752% | 3,637 |
| Core capital (leverage) ratio | 9.5544% | 3,696 |
| Tier 1 risk-based capital ratio | 14.9101% | 3,147 |
| Total risk-based capital ratio | 16.1648% | 3,110 |
| Memoranda: | ||
| Average total assets | $14,441,500 | 7,844 |
| Average earning assets | $13,470,500 | 7,818 |
| Average equity | $1,465,000 | 7,845 |
| Average total loans | $9,910,500 | 7,655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0598% | 1,640 |
| Cost of funding earning assets | 1.8072% | 3,951 |
| Net interest margin | 4.2526% | 1,884 |
| Noninterest income to average assets | 0.4276% | 4,987 |
| Noninterest expense to average assets | 3.6971% | 1,920 |
| Loan and lease loss provision to assets | 0.1974% | 5,760 |
| Net operating income to assets | 0.2710% | 4,639 |
| Return on assets (ROA) | 0.3552% | 4,401 |
| Pretax return on assets | 0.5658% | 4,001 |
| Return on Equity (ROE) | 3.7657% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.6499% | 3,295 |
| Net charge-offs to loans | 1.3457% | 1,853 |
| Credit loss provision to net charge-offs | 23.2558% | 6,927 |
| Earnings coverage of net charge-offs (x) | 0.7442% | 5,352 |
| Efficiency ratio | 85.4103% | 2,179 |
| Assets per employee ($millions) | 2.8774% | 6,499 |
| Cash dividends to net income (ytd only)* | 29.6296% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 4,860 |
| Loan loss allowance to noncurrent loans | 124.0385% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 2.1756% | 3,162 |
| Noncurrent loans to loans | 1.0335% | 5,251 |
| Net loans and leases to total assets | 69.0484% | 3,476 |
| Net loans and leases to deposits | 78.4986% | 4,275 |
| Net loans and leases to core deposits | 94.5645% | 4,615 |
| Total domestic deposits to total assets | 87.9614% | 1,988 |
| Equity capital to assets | 10.1133% | 3,603 |
| Core capital (leverage) ratio | 9.6411% | 3,533 |
| Tier 1 risk-based capital ratio | 13.9938% | 3,505 |
| Total risk-based capital ratio | 15.2459% | 3,458 |
| Memoranda: | ||
| Average total assets | $15,201,000 | 7,891 |
| Average earning assets | $13,944,400 | 7,871 |
| Average equity | $1,434,000 | 7,939 |
| Average total loans | $9,586,200 | 7,722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0560% | 1,810 |
| Cost of funding earning assets | 1.9049% | 3,859 |
| Net interest margin | 4.1511% | 2,210 |
| Noninterest income to average assets | 0.3981% | 5,297 |
| Noninterest expense to average assets | 3.4881% | 2,313 |
| Loan and lease loss provision to assets | 0.2597% | 4,881 |
| Net operating income to assets | 0.2693% | 4,906 |
| Return on assets (ROA) | 0.3635% | 4,638 |
| Pretax return on assets | 0.5886% | 4,214 |
| Return on Equity (ROE) | 3.9195% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.9195% | 3,093 |
| Net charge-offs to loans | 1.6901% | 1,197 |
| Credit loss provision to net charge-offs | 25.0000% | 6,535 |
| Earnings coverage of net charge-offs (x) | 0.6750% | 5,358 |
| Efficiency ratio | 83.2645% | 2,397 |
| Assets per employee ($millions) | 2.9194% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 3,703 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 2.3704% | 2,901 |
| Noncurrent loans to loans | 0.9651% | 5,366 |
| Net loans and leases to total assets | 64.3625% | 4,786 |
| Net loans and leases to deposits | 74.0405% | 5,361 |
| Net loans and leases to core deposits | 89.9560% | 5,440 |
| Total domestic deposits to total assets | 86.9288% | 2,215 |
| Equity capital to assets | 9.9815% | 4,115 |
| Core capital (leverage) ratio | 9.1692% | 4,381 |
| Tier 1 risk-based capital ratio | 14.2988% | 3,385 |
| Total risk-based capital ratio | 15.5497% | 3,335 |
| Memoranda: | ||
| Average total assets | $15,404,500 | 7,967 |
| Average earning assets | $14,068,250 | 7,948 |
| Average equity | $1,428,750 | 8,021 |
| Average total loans | $9,467,000 | 7,803 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0317% | 2,048 |
| Cost of funding earning assets | 1.9166% | 4,183 |
| Net interest margin | 4.1151% | 2,272 |
| Noninterest income to average assets | 0.3573% | 5,650 |
| Noninterest expense to average assets | 3.1390% | 3,543 |
| Loan and lease loss provision to assets | 0.3828% | 3,622 |
| Net operating income to assets | 0.3062% | 4,867 |
| Return on assets (ROA) | 0.3062% | 4,981 |
| Pretax return on assets | 0.5615% | 4,438 |
| Return on Equity (ROE) | 3.3819% | 4,752 |
| Retained earnings to average equity (ytd only) | 3.3819% | 3,440 |
| Net charge-offs to loans | 2.0752% | 892 |
| Credit loss provision to net charge-offs | 30.6122% | 6,025 |
| Earnings coverage of net charge-offs (x) | 0.7551% | 4,976 |
| Efficiency ratio | 76.8750% | 3,528 |
| Assets per employee ($millions) | 3.1124% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,315 |
| Loan loss allowance to noncurrent loans | 118.5185% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 2.1720% | 2,970 |
| Noncurrent loans to loans | 1.4409% | 4,336 |
| Net loans and leases to total assets | 59.1762% | 5,811 |
| Net loans and leases to deposits | 67.8080% | 6,214 |
| Net loans and leases to core deposits | 85.5537% | 5,959 |
| Total domestic deposits to total assets | 87.2703% | 2,113 |
| Equity capital to assets | 9.2148% | 4,993 |
| Core capital (leverage) ratio | 8.8022% | 4,940 |
| Tier 1 risk-based capital ratio | 14.0907% | 3,463 |
| Total risk-based capital ratio | 15.3439% | 3,402 |
| Memoranda: | ||
| Average total assets | $15,673,670 | 8,051 |
| Average earning assets | $14,191,670 | 8,031 |
| Average equity | $1,419,330 | 8,109 |
| Average total loans | $9,445,000 | 7,887 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1873% | 1,640 |
| Cost of funding earning assets | 2.0145% | 4,061 |
| Net interest margin | 4.1728% | 2,001 |
| Noninterest income to average assets | 0.3560% | 5,598 |
| Noninterest expense to average assets | 3.2042% | 2,968 |
| Loan and lease loss provision to assets | 0.7629% | 1,685 |
| Net operating income to assets | -0.3052% | 6,688 |
| Return on assets (ROA) | -0.3052% | 6,763 |
| Pretax return on assets | 0.0763% | 6,217 |
| Return on Equity (ROE) | -3.3994% | 6,827 |
| Retained earnings to average equity (ytd only) | -3.3994% | 6,347 |
| Net charge-offs to loans | -0.2109% | 8,018 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2453% | 2,956 |
| Assets per employee ($millions) | 3.0562% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8417% | 556 |
| Loan loss allowance to noncurrent loans | 94.2652% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 2.8728% | 1,983 |
| Noncurrent loans to loans | 3.0146% | 2,167 |
| Net loans and leases to total assets | 58.8443% | 5,828 |
| Net loans and leases to deposits | 66.3078% | 6,350 |
| Net loans and leases to core deposits | 84.5113% | 6,022 |
| Total domestic deposits to total assets | 88.7442% | 1,363 |
| Equity capital to assets | 9.2271% | 5,049 |
| Core capital (leverage) ratio | 8.5889% | 5,362 |
| Tier 1 risk-based capital ratio | 14.0342% | 3,568 |
| Total risk-based capital ratio | 15.3053% | 3,477 |
| Memoranda: | ||
| Average total assets | $15,729,500 | 8,093 |
| Average earning assets | $13,899,500 | 8,090 |
| Average equity | $1,412,000 | 8,164 |
| Average total loans | $9,483,000 | 7,932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5209% | 2,854 |
| Cost of funding earning assets | 2.5942% | 3,715 |
| Net interest margin | 3.9267% | 3,453 |
| Noninterest income to average assets | 0.4285% | 5,225 |
| Noninterest expense to average assets | 3.2203% | 3,256 |
| Loan and lease loss provision to assets | 0.0630% | 6,614 |
| Net operating income to assets | 0.5664% | 4,457 |
| Return on assets (ROA) | 0.6113% | 4,120 |
| Pretax return on assets | 0.6869% | 4,442 |
| Return on Equity (ROE) | 7.1735% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.9902% | 1,537 |
| Net charge-offs to loans | 0.0103% | 6,783 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 396 |
| Efficiency ratio | 82.1543% | 2,283 |
| Assets per employee ($millions) | 3.2356% | 5,382 |
| Cash dividends to net income (ytd only)* | 16.4948% | 4,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3479% | 801 |
| Loan loss allowance to noncurrent loans | 108.0569% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 2.2932% | 2,123 |
| Noncurrent loans to loans | 2.1728% | 2,542 |
| Net loans and leases to total assets | 58.6166% | 6,114 |
| Net loans and leases to deposits | 65.5854% | 6,672 |
| Net loans and leases to core deposits | 82.9369% | 6,385 |
| Total domestic deposits to total assets | 89.3745% | 889 |
| Equity capital to assets | 8.7403% | 5,748 |
| Core capital (leverage) ratio | 8.5882% | 5,405 |
| Tier 1 risk-based capital ratio | 13.8532% | 3,619 |
| Total risk-based capital ratio | 15.1172% | 3,529 |
| Memoranda: | ||
| Average total assets | $15,868,000 | 8,141 |
| Average earning assets | $14,108,400 | 8,135 |
| Average equity | $1,352,200 | 8,235 |
| Average total loans | $9,692,200 | 7,957 |