Home > Bank of Hamilton > Performance and Condition Ratios
Bank of Hamilton, Performance and Condition Ratios
| 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 | 0.7439% | 4,980 |
| Cost of funding earning assets | 0.0354% | 4,957 |
| Net interest margin | 0.7085% | 4,976 |
| Noninterest income to average assets | 0.0378% | 4,885 |
| Noninterest expense to average assets | 0.9723% | 4,939 |
| Loan and lease loss provision to assets | 0.1888% | 2,063 |
| Net operating income to assets | -0.4626% | 4,876 |
| Return on assets (ROA) | -0.4626% | 4,885 |
| Pretax return on assets | -0.4626% | 4,871 |
| Return on Equity (ROE) | -4.1827% | 4,886 |
| Retained earnings to average equity (ytd only) | -51.7286% | 4,991 |
| Net charge-offs to loans | -0.0389% | 4,615 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7297% | 56 |
| Assets per employee ($millions) | 7.5853% | 1,227 |
| Cash dividends to net income (ytd only)* | -1,136.7347% | 4,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 1,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 10.4280% | 4,940 |
| Net loans and leases to deposits | 11.6816% | 4,947 |
| Net loans and leases to core deposits | 12.2864% | 4,941 |
| Total domestic deposits to total assets | 89.2688% | 868 |
| Equity capital to assets | 10.4456% | 2,719 |
| Core capital (leverage) ratio | 9.1970% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,185,800 | 4,945 |
| Average earning assets | $19,760,800 | 4,930 |
| Average equity | $2,343,000 | 4,947 |
| Average total loans | $2,570,400 | 4,965 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4900% | 5,025 |
| Cost of funding earning assets | 0.0207% | 5,006 |
| Net interest margin | 0.4693% | 5,022 |
| Noninterest income to average assets | 0.0256% | 4,942 |
| Noninterest expense to average assets | 0.4681% | 5,017 |
| Loan and lease loss provision to assets | 0.2549% | 1,594 |
| Net operating income to assets | -0.2629% | 4,849 |
| Return on assets (ROA) | -0.2629% | 4,857 |
| Pretax return on assets | -0.2629% | 4,856 |
| Return on Equity (ROE) | -2.3416% | 4,865 |
| Retained earnings to average equity (ytd only) | -65.9654% | 5,022 |
| Net charge-offs to loans | -0.0511% | 4,680 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0556% | 280 |
| Assets per employee ($millions) | 7.3297% | 1,312 |
| Cash dividends to net income (ytd only)* | -2,717.0732% | 5,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 16.7356% | 4,949 |
| Net loans and leases to deposits | 18.8699% | 4,955 |
| Net loans and leases to core deposits | 18.8699% | 4,958 |
| Total domestic deposits to total assets | 88.6898% | 899 |
| Equity capital to assets | 11.0692% | 2,349 |
| Core capital (leverage) ratio | 9.6575% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,793,250 | 4,978 |
| Average earning assets | $19,319,500 | 4,962 |
| Average equity | $2,334,500 | 4,977 |
| Average total loans | $2,609,500 | 4,998 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1378% | 5,008 |
| Cost of funding earning assets | 0.0748% | 5,001 |
| Net interest margin | 2.0630% | 4,930 |
| Noninterest income to average assets | 0.0981% | 4,788 |
| Noninterest expense to average assets | 1.8730% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1092% | 4,675 |
| Return on assets (ROA) | 0.1275% | 4,687 |
| Pretax return on assets | 0.1373% | 4,695 |
| Return on Equity (ROE) | 1.1298% | 4,669 |
| Retained earnings to average equity (ytd only) | -95.6837% | 5,058 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0887% | 293 |
| Assets per employee ($millions) | 6.6817% | 1,654 |
| Cash dividends to net income (ytd only)* | 8,569.2308% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0369% | 133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 8.9199% | 5,018 |
| Net loans and leases to deposits | 9.7137% | 5,023 |
| Net loans and leases to core deposits | 9.7137% | 5,016 |
| Total domestic deposits to total assets | 91.8284% | 60 |
| Equity capital to assets | 7.8873% | 4,769 |
| Core capital (leverage) ratio | 7.6130% | 4,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,394,667 | 5,011 |
| Average earning assets | $18,711,000 | 4,996 |
| Average equity | $2,301,333 | 5,010 |
| Average total loans | $2,239,000 | 5,032 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4972% | 5,048 |
| Cost of funding earning assets | 0.1076% | 5,033 |
| Net interest margin | 2.3895% | 4,883 |
| Noninterest income to average assets | 0.1167% | 4,766 |
| Noninterest expense to average assets | 2.0030% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2213% | 4,492 |
| Return on assets (ROA) | 0.2528% | 4,465 |
| Pretax return on assets | 0.3111% | 4,440 |
| Return on Equity (ROE) | 1.9538% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.9538% | 3,459 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0342% | 584 |
| Assets per employee ($millions) | 6.7293% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4076% | 287 |
| Loan loss allowance to noncurrent loans | 5,600.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,620 |
| Noncurrent loans to loans | 0.0430% | 4,380 |
| Net loans and leases to total assets | 11.2443% | 5,055 |
| Net loans and leases to deposits | 13.0407% | 5,058 |
| Net loans and leases to core deposits | 13.0407% | 5,053 |
| Total domestic deposits to total assets | 86.2245% | 1,907 |
| Equity capital to assets | 13.3495% | 1,282 |
| Core capital (leverage) ratio | 13.6387% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,569,500 | 5,054 |
| Average earning assets | $18,581,000 | 5,044 |
| Average equity | $2,661,500 | 5,033 |
| Average total loans | $2,436,500 | 5,079 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7715% | 5,098 |
| Cost of funding earning assets | 0.0984% | 5,108 |
| Net interest margin | 2.6731% | 4,853 |
| Noninterest income to average assets | 0.1151% | 4,882 |
| Noninterest expense to average assets | 2.5925% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.0276% | 4,980 |
| Return on assets (ROA) | 0.1151% | 4,936 |
| Pretax return on assets | 0.1251% | 4,932 |
| Return on Equity (ROE) | 0.8624% | 4,930 |
| Retained earnings to average equity (ytd only) | 0.8624% | 4,429 |
| Net charge-offs to loans | -0.1561% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1719% | 149 |
| Assets per employee ($millions) | 6.9837% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3581% | 47 |
| Loan loss allowance to noncurrent loans | 11,100.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,663 |
| Noncurrent loans to loans | 0.0393% | 4,406 |
| Net loans and leases to total assets | 11.6271% | 5,115 |
| Net loans and leases to deposits | 13.3677% | 5,121 |
| Net loans and leases to core deposits | 13.3677% | 5,117 |
| Total domestic deposits to total assets | 86.9791% | 1,619 |
| Equity capital to assets | 12.5436% | 1,792 |
| Core capital (leverage) ratio | 13.2143% | 1,150 |
| Tier 1 risk-based capital ratio | 64.1984% | 83 |
| Total risk-based capital ratio | 65.4936% | 81 |
| Memoranda: | ||
| Average total assets | $19,981,000 | 5,117 |
| Average earning assets | $18,293,200 | 5,105 |
| Average equity | $2,667,000 | 5,090 |
| Average total loans | $2,562,000 | 5,140 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7715% | 5,187 |
| Cost of funding earning assets | 0.1024% | 5,180 |
| Net interest margin | 2.6691% | 4,961 |
| Noninterest income to average assets | 0.1216% | 4,913 |
| Noninterest expense to average assets | 1.8846% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5553% | 4,394 |
| Return on assets (ROA) | 0.5606% | 4,439 |
| Pretax return on assets | 0.7092% | 4,324 |
| Return on Equity (ROE) | 4.1341% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.1341% | 3,338 |
| Net charge-offs to loans | -0.1041% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8460% | 1,722 |
| Assets per employee ($millions) | 6.2893% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2712% | 53 |
| Loan loss allowance to noncurrent loans | 10,900.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,747 |
| Noncurrent loans to loans | 0.0392% | 4,480 |
| Net loans and leases to total assets | 12.9478% | 5,190 |
| Net loans and leases to deposits | 15.2345% | 5,192 |
| Net loans and leases to core deposits | 15.2345% | 5,187 |
| Total domestic deposits to total assets | 84.9905% | 2,431 |
| Equity capital to assets | 14.4371% | 997 |
| Core capital (leverage) ratio | 14.3647% | 888 |
| Tier 1 risk-based capital ratio | 41.9020% | 216 |
| Total risk-based capital ratio | 43.3602% | 208 |
| Memoranda: | ||
| Average total assets | $19,738,500 | 5,197 |
| Average earning assets | $18,232,500 | 5,183 |
| Average equity | $2,676,750 | 5,166 |
| Average total loans | $2,565,750 | 5,218 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7246% | 5,254 |
| Cost of funding earning assets | 0.1081% | 5,216 |
| Net interest margin | 2.6165% | 5,063 |
| Noninterest income to average assets | 0.0899% | 5,078 |
| Noninterest expense to average assets | 1.7474% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5912% | 4,329 |
| Return on assets (ROA) | 0.5991% | 4,346 |
| Pretax return on assets | 0.7689% | 4,170 |
| Return on Equity (ROE) | 4.5084% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.5084% | 3,014 |
| Net charge-offs to loans | -0.1556% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7211% | 2,270 |
| Assets per employee ($millions) | 6.1380% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6442% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 12.1538% | 5,243 |
| Net loans and leases to deposits | 14.3067% | 5,246 |
| Net loans and leases to core deposits | 14.3067% | 5,241 |
| Total domestic deposits to total assets | 84.9517% | 2,498 |
| Equity capital to assets | 14.6953% | 893 |
| Core capital (leverage) ratio | 13.7212% | 1,048 |
| Tier 1 risk-based capital ratio | 39.9641% | 233 |
| Total risk-based capital ratio | 41.3860% | 228 |
| Memoranda: | ||
| Average total assets | $20,029,330 | 5,242 |
| Average earning assets | $18,498,330 | 5,227 |
| Average equity | $2,661,670 | 5,208 |
| Average total loans | $2,570,330 | 5,267 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5683% | 5,332 |
| Cost of funding earning assets | 0.1036% | 5,274 |
| Net interest margin | 2.4647% | 5,202 |
| Noninterest income to average assets | 0.0960% | 5,097 |
| Noninterest expense to average assets | 1.6701% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5567% | 4,368 |
| Return on assets (ROA) | 0.5567% | 4,397 |
| Pretax return on assets | 0.7103% | 4,277 |
| Return on Equity (ROE) | 4.3948% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.3948% | 3,172 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1613% | 2,313 |
| Assets per employee ($millions) | 6.5610% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0030% | 61 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 13.1586% | 5,299 |
| Net loans and leases to deposits | 15.2775% | 5,299 |
| Net loans and leases to core deposits | 15.7437% | 5,295 |
| Total domestic deposits to total assets | 86.1302% | 2,212 |
| Equity capital to assets | 13.5193% | 1,206 |
| Core capital (leverage) ratio | 13.0422% | 1,254 |
| Tier 1 risk-based capital ratio | 59.2176% | 93 |
| Total risk-based capital ratio | 60.7464% | 92 |
| Memoranda: | ||
| Average total assets | $20,837,000 | 5,290 |
| Average earning assets | $19,312,500 | 5,275 |
| Average equity | $2,639,500 | 5,266 |
| Average total loans | $2,682,000 | 5,327 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2680% | 5,357 |
| Cost of funding earning assets | 0.0884% | 5,313 |
| Net interest margin | 2.1796% | 5,307 |
| Noninterest income to average assets | 0.3382% | 3,854 |
| Noninterest expense to average assets | 2.2385% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0857% | 5,192 |
| Return on assets (ROA) | 0.0857% | 5,183 |
| Pretax return on assets | 0.0953% | 5,181 |
| Return on Equity (ROE) | 0.6859% | 5,189 |
| Retained earnings to average equity (ytd only) | 0.6859% | 4,812 |
| Net charge-offs to loans | -0.0384% | 4,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9184% | 212 |
| Assets per employee ($millions) | 7.3303% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0135% | 55 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 11.6366% | 5,349 |
| Net loans and leases to deposits | 13.2598% | 5,353 |
| Net loans and leases to core deposits | 13.6132% | 5,347 |
| Total domestic deposits to total assets | 87.7586% | 1,411 |
| Equity capital to assets | 11.9049% | 1,966 |
| Core capital (leverage) ratio | 12.4295% | 1,494 |
| Tier 1 risk-based capital ratio | 52.3436% | 124 |
| Total risk-based capital ratio | 53.7920% | 122 |
| Memoranda: | ||
| Average total assets | $20,996,400 | 5,330 |
| Average earning assets | $19,223,600 | 5,322 |
| Average equity | $2,624,400 | 5,311 |
| Average total loans | $2,602,600 | 5,373 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1630% | 5,432 |
| Cost of funding earning assets | 0.0843% | 5,386 |
| Net interest margin | 2.0787% | 5,399 |
| Noninterest income to average assets | 0.4241% | 3,331 |
| Noninterest expense to average assets | 1.8829% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3598% | 5,010 |
| Return on assets (ROA) | 0.3598% | 5,010 |
| Pretax return on assets | 0.4434% | 4,980 |
| Return on Equity (ROE) | 2.8431% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.8431% | 4,299 |
| Net charge-offs to loans | -0.0514% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9392% | 867 |
| Assets per employee ($millions) | 6.8457% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4435% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 11.2042% | 5,422 |
| Net loans and leases to deposits | 12.9510% | 5,424 |
| Net loans and leases to core deposits | 13.3268% | 5,419 |
| Total domestic deposits to total assets | 86.5121% | 1,966 |
| Equity capital to assets | 12.9376% | 1,361 |
| Core capital (leverage) ratio | 12.8505% | 1,347 |
| Tier 1 risk-based capital ratio | 62.4321% | 80 |
| Total risk-based capital ratio | 63.7072% | 80 |
| Memoranda: | ||
| Average total assets | $20,747,750 | 5,406 |
| Average earning assets | $18,985,750 | 5,395 |
| Average equity | $2,626,000 | 5,378 |
| Average total loans | $2,586,750 | 5,444 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1163% | 5,500 |
| Cost of funding earning assets | 0.0733% | 5,455 |
| Net interest margin | 2.0429% | 5,467 |
| Noninterest income to average assets | 0.1729% | 4,960 |
| Noninterest expense to average assets | 1.5948% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2786% | 5,148 |
| Return on assets (ROA) | 0.2786% | 5,142 |
| Pretax return on assets | 0.4515% | 4,987 |
| Return on Equity (ROE) | 2.2174% | 5,148 |
| Retained earnings to average equity (ytd only) | 2.2174% | 4,391 |
| Net charge-offs to loans | -3.1742% | 5,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9343% | 1,206 |
| Assets per employee ($millions) | 6.9617% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1718% | 24 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 10.7733% | 5,485 |
| Net loans and leases to deposits | 12.4056% | 5,491 |
| Net loans and leases to core deposits | 12.7580% | 5,485 |
| Total domestic deposits to total assets | 86.8422% | 1,910 |
| Equity capital to assets | 12.5880% | 1,491 |
| Core capital (leverage) ratio | 12.2906% | 1,547 |
| Tier 1 risk-based capital ratio | 58.9807% | 93 |
| Total risk-based capital ratio | 60.5889% | 92 |
| Memoranda: | ||
| Average total assets | $20,818,000 | 5,468 |
| Average earning assets | $19,090,330 | 5,457 |
| Average equity | $2,615,670 | 5,440 |
| Average total loans | $2,646,330 | 5,506 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9990% | 5,568 |
| Cost of funding earning assets | 0.0625% | 5,529 |
| Net interest margin | 1.9365% | 5,544 |
| Noninterest income to average assets | 0.2694% | 4,371 |
| Noninterest expense to average assets | 1.5781% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3657% | 4,991 |
| Return on assets (ROA) | 0.3657% | 4,997 |
| Pretax return on assets | 0.4811% | 4,900 |
| Return on Equity (ROE) | 2.9130% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.9130% | 4,031 |
| Net charge-offs to loans | -4.1870% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6355% | 1,498 |
| Assets per employee ($millions) | 6.9073% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8754% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 12.7111% | 5,544 |
| Net loans and leases to deposits | 14.6138% | 5,547 |
| Net loans and leases to core deposits | 15.0317% | 5,542 |
| Total domestic deposits to total assets | 86.9800% | 2,133 |
| Equity capital to assets | 12.6339% | 1,412 |
| Core capital (leverage) ratio | 12.6035% | 1,344 |
| Tier 1 risk-based capital ratio | 54.2721% | 106 |
| Total risk-based capital ratio | 55.5371% | 106 |
| Memoranda: | ||
| Average total assets | $20,784,500 | 5,531 |
| Average earning assets | $19,210,000 | 5,516 |
| Average equity | $2,609,000 | 5,499 |
| Average total loans | $2,770,500 | 5,568 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9178% | 5,613 |
| Cost of funding earning assets | 0.0740% | 5,565 |
| Net interest margin | 1.8438% | 5,594 |
| Noninterest income to average assets | 0.1541% | 5,187 |
| Noninterest expense to average assets | 1.8290% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0504% | 5,306 |
| Return on assets (ROA) | 0.0547% | 5,311 |
| Pretax return on assets | 0.0646% | 5,399 |
| Return on Equity (ROE) | 0.4200% | 5,320 |
| Retained earnings to average equity (ytd only) | 0.4200% | 4,867 |
| Net charge-offs to loans | -0.1740% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8421% | 237 |
| Assets per employee ($millions) | 6.9490% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8240% | 69 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 12.7884% | 5,612 |
| Net loans and leases to deposits | 14.6556% | 5,618 |
| Net loans and leases to core deposits | 15.0698% | 5,612 |
| Total domestic deposits to total assets | 87.2596% | 1,874 |
| Equity capital to assets | 12.4718% | 1,534 |
| Core capital (leverage) ratio | 12.8205% | 1,213 |
| Tier 1 risk-based capital ratio | 46.6535% | 143 |
| Total risk-based capital ratio | 47.9275% | 142 |
| Memoranda: | ||
| Average total assets | $20,120,800 | 5,602 |
| Average earning assets | $18,928,200 | 5,583 |
| Average equity | $2,619,000 | 5,559 |
| Average total loans | $3,448,200 | 5,634 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9332% | 5,684 |
| Cost of funding earning assets | 0.0773% | 5,623 |
| Net interest margin | 1.8558% | 5,665 |
| Noninterest income to average assets | 0.1672% | 5,181 |
| Noninterest expense to average assets | 1.4377% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3892% | 5,018 |
| Return on assets (ROA) | 0.3945% | 5,040 |
| Pretax return on assets | 0.5015% | 5,024 |
| Return on Equity (ROE) | 2.9980% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.9980% | 4,128 |
| Net charge-offs to loans | -0.1473% | 5,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3945% | 1,831 |
| Assets per employee ($millions) | 6.4900% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0870% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 16.7694% | 5,659 |
| Net loans and leases to deposits | 19.4902% | 5,660 |
| Net loans and leases to core deposits | 20.0898% | 5,658 |
| Total domestic deposits to total assets | 86.0401% | 2,293 |
| Equity capital to assets | 13.6158% | 1,115 |
| Core capital (leverage) ratio | 13.3183% | 1,099 |
| Tier 1 risk-based capital ratio | 57.2818% | 91 |
| Total risk-based capital ratio | 58.5566% | 90 |
| Memoranda: | ||
| Average total assets | $19,939,250 | 5,667 |
| Average earning assets | $18,966,750 | 5,648 |
| Average equity | $2,623,750 | 5,620 |
| Average total loans | $3,617,250 | 5,695 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8695% | 5,740 |
| Cost of funding earning assets | 0.0418% | 5,734 |
| Net interest margin | 1.8277% | 5,717 |
| Noninterest income to average assets | 0.1493% | 5,318 |
| Noninterest expense to average assets | 1.4033% | 5,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4080% | 4,965 |
| Return on assets (ROA) | 0.4080% | 4,990 |
| Pretax return on assets | 0.4877% | 5,024 |
| Return on Equity (ROE) | 3.1362% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.1362% | 3,840 |
| Net charge-offs to loans | -0.0541% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2105% | 1,969 |
| Assets per employee ($millions) | 6.7377% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8443% | 190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 17.0682% | 5,701 |
| Net loans and leases to deposits | 19.6805% | 5,706 |
| Net loans and leases to core deposits | 20.2584% | 5,705 |
| Total domestic deposits to total assets | 86.7264% | 2,076 |
| Equity capital to assets | 13.0609% | 1,345 |
| Core capital (leverage) ratio | 13.2417% | 1,082 |
| Tier 1 risk-based capital ratio | 48.5562% | 130 |
| Total risk-based capital ratio | 49.8253% | 131 |
| Memoranda: | ||
| Average total assets | $20,095,670 | 5,714 |
| Average earning assets | $19,149,330 | 5,694 |
| Average equity | $2,614,670 | 5,669 |
| Average total loans | $3,700,000 | 5,743 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8144% | 5,812 |
| Cost of funding earning assets | 0.0633% | 5,761 |
| Net interest margin | 1.7511% | 5,793 |
| Noninterest income to average assets | 0.1597% | 5,319 |
| Noninterest expense to average assets | 1.3775% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3593% | 5,048 |
| Return on assets (ROA) | 0.3593% | 5,070 |
| Pretax return on assets | 0.4392% | 5,078 |
| Return on Equity (ROE) | 2.7671% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.7671% | 4,022 |
| Net charge-offs to loans | -0.1060% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8242% | 1,934 |
| Assets per employee ($millions) | 6.5430% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7371% | 241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 18.2842% | 5,759 |
| Net loans and leases to deposits | 21.1466% | 5,763 |
| Net loans and leases to core deposits | 21.7885% | 5,763 |
| Total domestic deposits to total assets | 86.4639% | 2,460 |
| Equity capital to assets | 13.3068% | 1,144 |
| Core capital (leverage) ratio | 13.1574% | 1,082 |
| Tier 1 risk-based capital ratio | 41.7586% | 200 |
| Total risk-based capital ratio | 43.0216% | 201 |
| Memoranda: | ||
| Average total assets | $20,037,000 | 5,784 |
| Average earning assets | $18,959,500 | 5,763 |
| Average equity | $2,602,000 | 5,732 |
| Average total loans | $3,774,500 | 5,813 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9053% | 5,848 |
| Cost of funding earning assets | 0.0706% | 5,802 |
| Net interest margin | 1.8347% | 5,828 |
| Noninterest income to average assets | 0.1379% | 5,500 |
| Noninterest expense to average assets | 1.7669% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0924% | 5,570 |
| Return on assets (ROA) | 0.1021% | 5,592 |
| Pretax return on assets | 0.1072% | 5,589 |
| Return on Equity (ROE) | 0.7665% | 5,595 |
| Retained earnings to average equity (ytd only) | 0.7665% | 5,014 |
| Net charge-offs to loans | -0.1001% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7945% | 350 |
| Assets per employee ($millions) | 6.8150% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5913% | 281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 18.3859% | 5,817 |
| Net loans and leases to deposits | 21.1132% | 5,823 |
| Net loans and leases to core deposits | 21.7220% | 5,822 |
| Total domestic deposits to total assets | 87.0824% | 2,097 |
| Equity capital to assets | 12.6779% | 1,409 |
| Core capital (leverage) ratio | 12.9649% | 1,146 |
| Tier 1 risk-based capital ratio | 34.7604% | 327 |
| Total risk-based capital ratio | 36.0623% | 322 |
| Memoranda: | ||
| Average total assets | $19,582,000 | 5,845 |
| Average earning assets | $18,422,200 | 5,826 |
| Average equity | $2,609,200 | 5,792 |
| Average total loans | $3,994,600 | 5,867 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9375% | 5,913 |
| Cost of funding earning assets | 0.0658% | 5,879 |
| Net interest margin | 1.8717% | 5,888 |
| Noninterest income to average assets | 0.1446% | 5,538 |
| Noninterest expense to average assets | 1.4182% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4152% | 4,972 |
| Return on assets (ROA) | 0.4268% | 5,025 |
| Pretax return on assets | 0.5026% | 5,115 |
| Return on Equity (ROE) | 3.1628% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.1628% | 4,018 |
| Net charge-offs to loans | -0.0330% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3682% | 2,212 |
| Assets per employee ($millions) | 6.3053% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5702% | 310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 19.4386% | 5,878 |
| Net loans and leases to deposits | 22.6612% | 5,884 |
| Net loans and leases to core deposits | 23.3802% | 5,885 |
| Total domestic deposits to total assets | 85.7792% | 2,467 |
| Equity capital to assets | 13.9300% | 1,067 |
| Core capital (leverage) ratio | 13.7424% | 931 |
| Tier 1 risk-based capital ratio | 43.7825% | 187 |
| Total risk-based capital ratio | 45.1586% | 185 |
| Memoranda: | ||
| Average total assets | $19,366,250 | 5,908 |
| Average earning assets | $18,236,000 | 5,887 |
| Average equity | $2,613,500 | 5,854 |
| Average total loans | $4,028,500 | 5,933 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9274% | 5,997 |
| Cost of funding earning assets | 0.0657% | 5,958 |
| Net interest margin | 1.8617% | 5,974 |
| Noninterest income to average assets | 0.1025% | 5,768 |
| Noninterest expense to average assets | 1.2912% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4644% | 4,819 |
| Return on assets (ROA) | 0.4816% | 4,852 |
| Pretax return on assets | 0.5739% | 4,961 |
| Return on Equity (ROE) | 3.6066% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.6066% | 3,597 |
| Net charge-offs to loans | -0.0972% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 2,987 |
| Assets per employee ($millions) | 6.4823% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5796% | 327 |
| Loan loss allowance to noncurrent loans | 2,450.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,515 |
| Noncurrent loans to loans | 0.1053% | 5,027 |
| Net loans and leases to total assets | 19.0312% | 5,954 |
| Net loans and leases to deposits | 22.0718% | 5,961 |
| Net loans and leases to core deposits | 22.7488% | 5,961 |
| Total domestic deposits to total assets | 86.2241% | 2,314 |
| Equity capital to assets | 13.5496% | 1,206 |
| Core capital (leverage) ratio | 13.5819% | 951 |
| Tier 1 risk-based capital ratio | 43.6471% | 189 |
| Total risk-based capital ratio | 44.9076% | 189 |
| Memoranda: | ||
| Average total assets | $19,516,330 | 5,983 |
| Average earning assets | $18,263,000 | 5,963 |
| Average equity | $2,606,330 | 5,928 |
| Average total loans | $4,113,330 | 6,009 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9013% | 6,062 |
| Cost of funding earning assets | 0.0656% | 6,018 |
| Net interest margin | 1.8357% | 6,038 |
| Noninterest income to average assets | 0.1637% | 5,516 |
| Noninterest expense to average assets | 1.3503% | 5,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4558% | 4,807 |
| Return on assets (ROA) | 0.4910% | 4,767 |
| Pretax return on assets | 0.5729% | 4,896 |
| Return on Equity (ROE) | 3.7037% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.7037% | 3,640 |
| Net charge-offs to loans | -0.0937% | 5,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7391% | 2,835 |
| Assets per employee ($millions) | 6.1450% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3112% | 502 |
| Loan loss allowance to noncurrent loans | 4,850.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 5,629 |
| Noncurrent loans to loans | 0.0477% | 5,294 |
| Net loans and leases to total assets | 22.2403% | 5,968 |
| Net loans and leases to deposits | 25.9823% | 5,972 |
| Net loans and leases to core deposits | 26.8307% | 5,977 |
| Total domestic deposits to total assets | 85.5980% | 2,864 |
| Equity capital to assets | 14.1687% | 926 |
| Core capital (leverage) ratio | 13.7141% | 901 |
| Tier 1 risk-based capital ratio | 32.7982% | 402 |
| Total risk-based capital ratio | 34.1233% | 396 |
| Memoranda: | ||
| Average total assets | $19,551,000 | 6,042 |
| Average earning assets | $18,303,500 | 6,022 |
| Average equity | $2,592,000 | 5,984 |
| Average total loans | $4,270,500 | 6,069 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8721% | 6,105 |
| Cost of funding earning assets | 0.0726% | 6,058 |
| Net interest margin | 1.7994% | 6,079 |
| Noninterest income to average assets | 0.1686% | 5,570 |
| Noninterest expense to average assets | 1.8067% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0579% | 5,806 |
| Return on assets (ROA) | 0.0579% | 5,842 |
| Pretax return on assets | 0.0579% | 5,840 |
| Return on Equity (ROE) | 0.4247% | 5,850 |
| Retained earnings to average equity (ytd only) | 0.4247% | 5,348 |
| Net charge-offs to loans | -0.1620% | 5,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8927% | 370 |
| Assets per employee ($millions) | 6.8890% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2099% | 583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 20.5545% | 6,045 |
| Net loans and leases to deposits | 23.5099% | 6,053 |
| Net loans and leases to core deposits | 24.1748% | 6,061 |
| Total domestic deposits to total assets | 87.4292% | 1,911 |
| Equity capital to assets | 12.4450% | 1,648 |
| Core capital (leverage) ratio | 13.4061% | 1,002 |
| Tier 1 risk-based capital ratio | 44.8815% | 171 |
| Total risk-based capital ratio | 46.1457% | 168 |
| Memoranda: | ||
| Average total assets | $18,984,400 | 6,106 |
| Average earning assets | $17,894,400 | 6,085 |
| Average equity | $2,590,200 | 6,044 |
| Average total loans | $3,704,000 | 6,132 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8579% | 6,200 |
| Cost of funding earning assets | 0.0683% | 6,159 |
| Net interest margin | 1.7897% | 6,171 |
| Noninterest income to average assets | 0.1795% | 5,576 |
| Noninterest expense to average assets | 1.4580% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3376% | 5,352 |
| Return on assets (ROA) | 0.3376% | 5,433 |
| Pretax return on assets | 0.4166% | 5,437 |
| Return on Equity (ROE) | 2.4153% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.4153% | 4,666 |
| Net charge-offs to loans | -0.1882% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,971 |
| Assets per employee ($millions) | 6.1153% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6603% | 350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 18.9469% | 6,153 |
| Net loans and leases to deposits | 22.1528% | 6,159 |
| Net loans and leases to core deposits | 22.8775% | 6,159 |
| Total domestic deposits to total assets | 85.5282% | 2,766 |
| Equity capital to assets | 14.2592% | 927 |
| Core capital (leverage) ratio | 14.1656% | 820 |
| Tier 1 risk-based capital ratio | 53.2321% | 120 |
| Total risk-based capital ratio | 54.5660% | 119 |
| Memoranda: | ||
| Average total assets | $18,563,750 | 6,196 |
| Average earning assets | $17,582,000 | 6,173 |
| Average equity | $2,594,750 | 6,127 |
| Average total loans | $3,544,000 | 6,219 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8800% | 6,274 |
| Cost of funding earning assets | 0.0684% | 6,229 |
| Net interest margin | 1.8117% | 6,243 |
| Noninterest income to average assets | 0.1717% | 5,672 |
| Noninterest expense to average assets | 1.4381% | 6,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3541% | 5,281 |
| Return on assets (ROA) | 0.3541% | 5,391 |
| Pretax return on assets | 0.4400% | 5,377 |
| Return on Equity (ROE) | 2.5506% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.5506% | 4,434 |
| Net charge-offs to loans | -0.1697% | 5,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5714% | 2,268 |
| Assets per employee ($millions) | 6.0117% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7257% | 360 |
| Loan loss allowance to noncurrent loans | 775.0000% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 5,603 |
| Noncurrent loans to loans | 0.3517% | 4,439 |
| Net loans and leases to total assets | 18.4031% | 6,226 |
| Net loans and leases to deposits | 21.5366% | 6,235 |
| Net loans and leases to core deposits | 22.2543% | 6,232 |
| Total domestic deposits to total assets | 85.4505% | 2,946 |
| Equity capital to assets | 14.3776% | 854 |
| Core capital (leverage) ratio | 14.0527% | 824 |
| Tier 1 risk-based capital ratio | 46.6244% | 180 |
| Total risk-based capital ratio | 47.9638% | 174 |
| Memoranda: | ||
| Average total assets | $18,636,330 | 6,273 |
| Average earning assets | $17,553,000 | 6,247 |
| Average equity | $2,587,670 | 6,197 |
| Average total loans | $3,535,000 | 6,294 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8701% | 6,348 |
| Cost of funding earning assets | 0.0676% | 6,306 |
| Net interest margin | 1.8025% | 6,313 |
| Noninterest income to average assets | 0.2323% | 5,299 |
| Noninterest expense to average assets | 1.2674% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5492% | 4,483 |
| Return on assets (ROA) | 0.5492% | 4,599 |
| Pretax return on assets | 0.6548% | 4,740 |
| Return on Equity (ROE) | 4.0232% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.0232% | 3,592 |
| Net charge-offs to loans | -0.2224% | 6,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9341% | 4,171 |
| Assets per employee ($millions) | 5.9823% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6597% | 427 |
| Loan loss allowance to noncurrent loans | 3,066.6667% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,882 |
| Noncurrent loans to loans | 0.0867% | 5,434 |
| Net loans and leases to total assets | 18.7608% | 6,284 |
| Net loans and leases to deposits | 21.9835% | 6,290 |
| Net loans and leases to core deposits | 22.7208% | 6,286 |
| Total domestic deposits to total assets | 85.3402% | 3,249 |
| Equity capital to assets | 14.4815% | 838 |
| Core capital (leverage) ratio | 13.8548% | 867 |
| Tier 1 risk-based capital ratio | 37.4357% | 298 |
| Total risk-based capital ratio | 38.6841% | 296 |
| Memoranda: | ||
| Average total assets | $18,937,000 | 6,335 |
| Average earning assets | $17,753,500 | 6,311 |
| Average equity | $2,585,000 | 6,262 |
| Average total loans | $3,596,500 | 6,365 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6934% | 6,440 |
| Cost of funding earning assets | 0.0710% | 6,396 |
| Net interest margin | 1.6224% | 6,421 |
| Noninterest income to average assets | 0.2480% | 5,352 |
| Noninterest expense to average assets | 1.5636% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1872% | 5,793 |
| Return on assets (ROA) | 0.1872% | 5,843 |
| Pretax return on assets | 0.1872% | 5,891 |
| Return on Equity (ROE) | 1.4511% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.4511% | 5,115 |
| Net charge-offs to loans | 0.4812% | 865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.1765% | 4,228 |
| Efficiency ratio | 89.3064% | 889 |
| Assets per employee ($millions) | 6.6423% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4103% | 617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 18.2867% | 6,390 |
| Net loans and leases to deposits | 21.0186% | 6,395 |
| Net loans and leases to core deposits | 21.6377% | 6,394 |
| Total domestic deposits to total assets | 87.0026% | 2,285 |
| Equity capital to assets | 12.9021% | 1,416 |
| Core capital (leverage) ratio | 13.0287% | 1,127 |
| Tier 1 risk-based capital ratio | 31.9607% | 429 |
| Total risk-based capital ratio | 33.1444% | 424 |
| Memoranda: | ||
| Average total assets | $19,761,600 | 6,414 |
| Average earning assets | $18,306,400 | 6,393 |
| Average equity | $2,549,800 | 6,343 |
| Average total loans | $3,532,600 | 6,457 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5861% | 6,529 |
| Cost of funding earning assets | 0.0661% | 6,491 |
| Net interest margin | 1.5200% | 6,514 |
| Noninterest income to average assets | 0.1826% | 5,830 |
| Noninterest expense to average assets | 1.2981% | 6,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2632% | 5,702 |
| Return on assets (ROA) | 0.2569% | 5,781 |
| Pretax return on assets | 0.2772% | 5,815 |
| Return on Equity (ROE) | 1.9914% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.9914% | 5,058 |
| Net charge-offs to loans | 0.9956% | 309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.6152% | 4,117 |
| Efficiency ratio | 82.0513% | 1,616 |
| Assets per employee ($millions) | 6.4077% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3130% | 813 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,114 |
| Noncurrent loans to loans | 0.0857% | 5,688 |
| Net loans and leases to total assets | 17.7964% | 6,476 |
| Net loans and leases to deposits | 20.5997% | 6,484 |
| Net loans and leases to core deposits | 21.2339% | 6,478 |
| Total domestic deposits to total assets | 86.3913% | 2,646 |
| Equity capital to assets | 13.3902% | 1,236 |
| Core capital (leverage) ratio | 13.7457% | 912 |
| Tier 1 risk-based capital ratio | 34.2080% | 383 |
| Total risk-based capital ratio | 35.3654% | 380 |
| Memoranda: | ||
| Average total assets | $19,720,250 | 6,493 |
| Average earning assets | $18,156,750 | 6,472 |
| Average equity | $2,544,500 | 6,415 |
| Average total loans | $3,482,250 | 6,536 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4719% | 6,604 |
| Cost of funding earning assets | 0.0769% | 6,529 |
| Net interest margin | 1.3950% | 6,591 |
| Noninterest income to average assets | 0.1710% | 5,928 |
| Noninterest expense to average assets | 1.2270% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1897% | 5,865 |
| Return on assets (ROA) | 0.1810% | 5,934 |
| Pretax return on assets | 0.2112% | 5,930 |
| Return on Equity (ROE) | 1.4203% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.4203% | 5,172 |
| Net charge-offs to loans | -0.0575% | 5,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7222% | 1,423 |
| Assets per employee ($millions) | 6.2763% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0295% | 371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 18.3600% | 6,535 |
| Net loans and leases to deposits | 21.3001% | 6,540 |
| Net loans and leases to core deposits | 21.3001% | 6,543 |
| Total domestic deposits to total assets | 86.1968% | 2,936 |
| Equity capital to assets | 13.5429% | 1,142 |
| Core capital (leverage) ratio | 13.0677% | 1,133 |
| Tier 1 risk-based capital ratio | 33.5112% | 392 |
| Total risk-based capital ratio | 34.8319% | 382 |
| Memoranda: | ||
| Average total assets | $19,886,000 | 6,556 |
| Average earning assets | $18,208,330 | 6,536 |
| Average equity | $2,534,670 | 6,473 |
| Average total loans | $3,475,670 | 6,602 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7665% | 6,663 |
| Cost of funding earning assets | 0.0646% | 6,641 |
| Net interest margin | 1.7019% | 6,638 |
| Noninterest income to average assets | 0.0784% | 6,398 |
| Noninterest expense to average assets | 1.0581% | 6,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4667% | 4,862 |
| Return on assets (ROA) | 0.4507% | 5,001 |
| Pretax return on assets | 0.5486% | 5,012 |
| Return on Equity (ROE) | 3.6407% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.6407% | 3,948 |
| Net charge-offs to loans | -0.1166% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0602% | 4,680 |
| Assets per employee ($millions) | 6.1727% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2540% | 345 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,268 |
| Noncurrent loans to loans | 0.0904% | 5,856 |
| Net loans and leases to total assets | 17.3399% | 6,615 |
| Net loans and leases to deposits | 20.1506% | 6,621 |
| Net loans and leases to core deposits | 20.7980% | 6,611 |
| Total domestic deposits to total assets | 86.0514% | 3,339 |
| Equity capital to assets | 13.7326% | 1,022 |
| Core capital (leverage) ratio | 12.7000% | 1,296 |
| Tier 1 risk-based capital ratio | 36.8715% | 290 |
| Total risk-based capital ratio | 38.1946% | 285 |
| Memoranda: | ||
| Average total assets | $20,414,500 | 6,614 |
| Average earning assets | $18,567,500 | 6,599 |
| Average equity | $2,527,000 | 6,533 |
| Average total loans | $3,431,000 | 6,674 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0315% | 6,711 |
| Cost of funding earning assets | 0.0748% | 6,718 |
| Net interest margin | 1.9567% | 6,656 |
| Noninterest income to average assets | 0.1478% | 6,208 |
| Noninterest expense to average assets | 1.7146% | 6,424 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2069% | 5,804 |
| Return on assets (ROA) | 0.2069% | 5,873 |
| Pretax return on assets | 0.2365% | 5,873 |
| Return on Equity (ROE) | 1.6451% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.6451% | 5,046 |
| Net charge-offs to loans | -0.1183% | 6,517 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 1,230 |
| Assets per employee ($millions) | 7.4370% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0200% | 458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 15.4005% | 6,716 |
| Net loans and leases to deposits | 17.4063% | 6,724 |
| Net loans and leases to core deposits | 17.8540% | 6,718 |
| Total domestic deposits to total assets | 88.4765% | 1,915 |
| Equity capital to assets | 11.2545% | 2,378 |
| Core capital (leverage) ratio | 12.2862% | 1,454 |
| Tier 1 risk-based capital ratio | 27.0403% | 676 |
| Total risk-based capital ratio | 28.2590% | 664 |
| Memoranda: | ||
| Average total assets | $20,296,800 | 6,695 |
| Average earning assets | $18,705,000 | 6,675 |
| Average equity | $2,553,000 | 6,618 |
| Average total loans | $3,381,200 | 6,759 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1087% | 6,787 |
| Cost of funding earning assets | 0.0720% | 6,815 |
| Net interest margin | 2.0367% | 6,718 |
| Noninterest income to average assets | 0.1550% | 6,258 |
| Noninterest expense to average assets | 1.2058% | 6,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6871% | 3,921 |
| Return on assets (ROA) | 0.6871% | 4,061 |
| Pretax return on assets | 0.8555% | 4,070 |
| Return on Equity (ROE) | 5.3052% | 4,559 |
| Retained earnings to average equity (ytd only) | 5.3052% | 2,872 |
| Net charge-offs to loans | 0.0799% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 63.4195% | 721 |
| Efficiency ratio | 58.4967% | 5,629 |
| Assets per employee ($millions) | 6.3297% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0149% | 545 |
| Loan loss allowance to noncurrent loans | 480.9524% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 6,105 |
| Noncurrent loans to loans | 0.6269% | 4,632 |
| Net loans and leases to total assets | 17.1099% | 6,780 |
| Net loans and leases to deposits | 19.9288% | 6,788 |
| Net loans and leases to core deposits | 20.5529% | 6,785 |
| Total domestic deposits to total assets | 85.8550% | 3,339 |
| Equity capital to assets | 13.7659% | 1,032 |
| Core capital (leverage) ratio | 13.5834% | 988 |
| Tier 1 risk-based capital ratio | 43.0384% | 201 |
| Total risk-based capital ratio | 44.3740% | 200 |
| Memoranda: | ||
| Average total assets | $19,793,250 | 6,777 |
| Average earning assets | $18,526,000 | 6,749 |
| Average equity | $2,563,500 | 6,691 |
| Average total loans | $3,340,750 | 6,836 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0127% | 6,844 |
| Cost of funding earning assets | 0.0753% | 6,859 |
| Net interest margin | 1.9374% | 6,786 |
| Noninterest income to average assets | 0.1396% | 6,353 |
| Noninterest expense to average assets | 1.1465% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6580% | 4,028 |
| Return on assets (ROA) | 0.6580% | 4,189 |
| Pretax return on assets | 0.7876% | 4,354 |
| Return on Equity (ROE) | 5.1832% | 4,629 |
| Retained earnings to average equity (ytd only) | 5.1832% | 2,938 |
| Net charge-offs to loans | 0.4195% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 2,062 |
| Efficiency ratio | 59.2784% | 5,572 |
| Assets per employee ($millions) | 9.3785% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2598% | 457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 15.1890% | 6,846 |
| Net loans and leases to deposits | 17.6660% | 6,854 |
| Net loans and leases to core deposits | 18.2254% | 6,848 |
| Total domestic deposits to total assets | 85.9786% | 3,380 |
| Equity capital to assets | 13.7122% | 1,049 |
| Core capital (leverage) ratio | 12.8957% | 1,204 |
| Tier 1 risk-based capital ratio | 40.1453% | 228 |
| Total risk-based capital ratio | 41.4561% | 227 |
| Memoranda: | ||
| Average total assets | $20,061,330 | 6,822 |
| Average earning assets | $18,582,000 | 6,798 |
| Average equity | $2,546,670 | 6,741 |
| Average total loans | $3,337,670 | 6,883 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8016% | 6,938 |
| Cost of funding earning assets | 0.0838% | 6,930 |
| Net interest margin | 1.7178% | 6,908 |
| Noninterest income to average assets | 0.1352% | 6,421 |
| Noninterest expense to average assets | 1.1007% | 6,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5021% | 4,646 |
| Return on assets (ROA) | 0.5021% | 4,796 |
| Pretax return on assets | 0.6180% | 4,880 |
| Return on Equity (ROE) | 4.1042% | 5,039 |
| Retained earnings to average equity (ytd only) | 4.1042% | 3,757 |
| Net charge-offs to loans | -0.1132% | 6,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0449% | 5,005 |
| Assets per employee ($millions) | 10.0435% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2020% | 545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 15.6519% | 6,913 |
| Net loans and leases to deposits | 18.0286% | 6,923 |
| Net loans and leases to core deposits | 18.5552% | 6,920 |
| Total domestic deposits to total assets | 86.8173% | 3,070 |
| Equity capital to assets | 12.7246% | 1,578 |
| Core capital (leverage) ratio | 12.5636% | 1,310 |
| Tier 1 risk-based capital ratio | 32.7380% | 423 |
| Total risk-based capital ratio | 34.0381% | 410 |
| Memoranda: | ||
| Average total assets | $20,713,500 | 6,888 |
| Average earning assets | $19,094,000 | 6,867 |
| Average equity | $2,534,000 | 6,805 |
| Average total loans | $3,534,000 | 6,958 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3854% | 6,958 |
| Cost of funding earning assets | 0.1225% | 6,972 |
| Net interest margin | 2.2629% | 6,853 |
| Noninterest income to average assets | 0.1700% | 6,179 |
| Noninterest expense to average assets | 1.8006% | 6,621 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3665% | 5,232 |
| Return on assets (ROA) | 0.3665% | 5,460 |
| Pretax return on assets | 0.4302% | 5,479 |
| Return on Equity (ROE) | 2.7906% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.7906% | 4,277 |
| Net charge-offs to loans | 0.3626% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,748 |
| Efficiency ratio | 80.7143% | 2,049 |
| Assets per employee ($millions) | 7.1133% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6963% | 925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 17.4180% | 6,957 |
| Net loans and leases to deposits | 19.8208% | 6,972 |
| Net loans and leases to core deposits | 20.3571% | 6,971 |
| Total domestic deposits to total assets | 87.8772% | 2,305 |
| Equity capital to assets | 11.7713% | 2,205 |
| Core capital (leverage) ratio | 12.4596% | 1,337 |
| Tier 1 risk-based capital ratio | 28.8842% | 564 |
| Total risk-based capital ratio | 30.1370% | 554 |
| Memoranda: | ||
| Average total assets | $18,826,600 | 6,975 |
| Average earning assets | $17,146,200 | 6,951 |
| Average equity | $2,472,600 | 6,886 |
| Average total loans | $3,309,400 | 7,032 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3878% | 7,070 |
| Cost of funding earning assets | 0.1372% | 7,065 |
| Net interest margin | 2.2506% | 6,970 |
| Noninterest income to average assets | 0.1685% | 6,295 |
| Noninterest expense to average assets | 1.3041% | 7,044 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6594% | 4,093 |
| Return on assets (ROA) | 0.6594% | 4,361 |
| Pretax return on assets | 0.9085% | 4,069 |
| Return on Equity (ROE) | 4.8726% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.8726% | 3,460 |
| Net charge-offs to loans | -0.5029% | 7,097 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9404% | 5,672 |
| Assets per employee ($millions) | 6.1660% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8195% | 353 |
| Loan loss allowance to noncurrent loans | 12,700.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 6,784 |
| Noncurrent loans to loans | 0.0301% | 6,549 |
| Net loans and leases to total assets | 17.2884% | 7,057 |
| Net loans and leases to deposits | 20.1677% | 7,073 |
| Net loans and leases to core deposits | 20.8162% | 7,071 |
| Total domestic deposits to total assets | 85.7228% | 3,399 |
| Equity capital to assets | 13.6934% | 1,272 |
| Core capital (leverage) ratio | 13.8692% | 875 |
| Tier 1 risk-based capital ratio | 37.5774% | 300 |
| Total risk-based capital ratio | 38.8763% | 293 |
| Memoranda: | ||
| Average total assets | $18,198,250 | 7,078 |
| Average earning assets | $16,528,500 | 7,062 |
| Average equity | $2,462,750 | 6,977 |
| Average total loans | $3,181,750 | 7,129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3683% | 7,144 |
| Cost of funding earning assets | 0.1595% | 7,096 |
| Net interest margin | 2.2088% | 7,041 |
| Noninterest income to average assets | 0.1658% | 6,347 |
| Noninterest expense to average assets | 1.2487% | 7,126 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7515% | 3,597 |
| Return on assets (ROA) | 0.7515% | 3,872 |
| Pretax return on assets | 0.9062% | 4,053 |
| Return on Equity (ROE) | 5.5753% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.5753% | 2,944 |
| Net charge-offs to loans | -0.5105% | 7,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9487% | 5,881 |
| Assets per employee ($millions) | 6.0010% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2634% | 286 |
| Loan loss allowance to noncurrent loans | 6,150.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,813 |
| Noncurrent loans to loans | 0.0693% | 6,497 |
| Net loans and leases to total assets | 15.3419% | 7,139 |
| Net loans and leases to deposits | 17.8631% | 7,150 |
| Net loans and leases to core deposits | 18.4527% | 7,149 |
| Total domestic deposits to total assets | 85.8857% | 3,411 |
| Equity capital to assets | 13.8033% | 1,178 |
| Core capital (leverage) ratio | 13.5983% | 940 |
| Tier 1 risk-based capital ratio | 35.5886% | 329 |
| Total risk-based capital ratio | 36.8869% | 321 |
| Memoranda: | ||
| Average total assets | $18,098,330 | 7,140 |
| Average earning assets | $16,298,330 | 7,125 |
| Average equity | $2,439,330 | 7,025 |
| Average total loans | $3,134,000 | 7,191 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3326% | 7,206 |
| Cost of funding earning assets | 0.1985% | 7,108 |
| Net interest margin | 2.1341% | 7,117 |
| Noninterest income to average assets | 0.1984% | 6,200 |
| Noninterest expense to average assets | 1.1463% | 7,222 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7936% | 3,405 |
| Return on assets (ROA) | 0.7936% | 3,648 |
| Pretax return on assets | 0.9479% | 3,872 |
| Return on Equity (ROE) | 5.9590% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.9590% | 2,984 |
| Net charge-offs to loans | -0.4910% | 7,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7368% | 6,261 |
| Assets per employee ($millions) | 5.7160% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9339% | 389 |
| Loan loss allowance to noncurrent loans | 313.1579% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 6,332 |
| Noncurrent loans to loans | 1.2562% | 4,236 |
| Net loans and leases to total assets | 16.9466% | 7,179 |
| Net loans and leases to deposits | 19.8606% | 7,192 |
| Net loans and leases to core deposits | 20.5545% | 7,190 |
| Total domestic deposits to total assets | 85.3277% | 3,868 |
| Equity capital to assets | 14.3399% | 908 |
| Core capital (leverage) ratio | 13.7363% | 871 |
| Tier 1 risk-based capital ratio | 42.1162% | 197 |
| Total risk-based capital ratio | 43.4302% | 194 |
| Memoranda: | ||
| Average total assets | $18,146,000 | 7,202 |
| Average earning assets | $16,119,500 | 7,188 |
| Average equity | $2,416,500 | 7,084 |
| Average total loans | $3,258,500 | 7,250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5247% | 7,254 |
| Cost of funding earning assets | 0.1808% | 7,256 |
| Net interest margin | 2.3439% | 7,127 |
| Noninterest income to average assets | 0.2517% | 5,728 |
| Noninterest expense to average assets | 2.1282% | 6,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1716% | 5,669 |
| Return on assets (ROA) | 0.1716% | 5,813 |
| Pretax return on assets | 0.2002% | 5,790 |
| Return on Equity (ROE) | 1.2465% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.2465% | 5,267 |
| Net charge-offs to loans | -0.0682% | 7,090 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4005% | 1,085 |
| Assets per employee ($millions) | 6.3813% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2932% | 627 |
| Loan loss allowance to noncurrent loans | 310.8108% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 6,470 |
| Noncurrent loans to loans | 1.0596% | 4,587 |
| Net loans and leases to total assets | 17.6400% | 7,234 |
| Net loans and leases to deposits | 20.1829% | 7,250 |
| Net loans and leases to core deposits | 20.7931% | 7,245 |
| Total domestic deposits to total assets | 87.4008% | 2,527 |
| Equity capital to assets | 12.4008% | 1,856 |
| Core capital (leverage) ratio | 13.8201% | 867 |
| Tier 1 risk-based capital ratio | 38.0349% | 270 |
| Total risk-based capital ratio | 39.3027% | 263 |
| Memoranda: | ||
| Average total assets | $17,479,800 | 7,250 |
| Average earning assets | $15,487,000 | 7,243 |
| Average equity | $2,406,800 | 7,141 |
| Average total loans | $2,934,000 | 7,304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5149% | 7,342 |
| Cost of funding earning assets | 0.1928% | 7,335 |
| Net interest margin | 2.3220% | 7,211 |
| Noninterest income to average assets | 0.2579% | 5,778 |
| Noninterest expense to average assets | 1.5158% | 7,217 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6876% | 3,682 |
| Return on assets (ROA) | 0.6876% | 3,851 |
| Pretax return on assets | 0.8126% | 4,079 |
| Return on Equity (ROE) | 4.8584% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.8584% | 3,271 |
| Net charge-offs to loans | -0.4294% | 7,336 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1007% | 4,880 |
| Assets per employee ($millions) | 5.4853% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1610% | 355 |
| Loan loss allowance to noncurrent loans | 488.0000% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 6,666 |
| Noncurrent loans to loans | 0.8527% | 5,162 |
| Net loans and leases to total assets | 17.0758% | 7,318 |
| Net loans and leases to deposits | 20.1174% | 7,331 |
| Net loans and leases to core deposits | 20.8503% | 7,324 |
| Total domestic deposits to total assets | 84.8809% | 3,827 |
| Equity capital to assets | 14.8396% | 893 |
| Core capital (leverage) ratio | 15.0585% | 650 |
| Tier 1 risk-based capital ratio | 43.7600% | 194 |
| Total risk-based capital ratio | 45.0596% | 190 |
| Memoranda: | ||
| Average total assets | $17,063,750 | 7,333 |
| Average earning assets | $15,216,000 | 7,324 |
| Average equity | $2,415,000 | 7,207 |
| Average total loans | $2,794,500 | 7,378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5840% | 7,407 |
| Cost of funding earning assets | 0.2207% | 7,397 |
| Net interest margin | 2.3632% | 7,255 |
| Noninterest income to average assets | 0.2548% | 5,825 |
| Noninterest expense to average assets | 1.5058% | 7,300 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6834% | 3,635 |
| Return on assets (ROA) | 0.6834% | 3,752 |
| Pretax return on assets | 0.8572% | 3,802 |
| Return on Equity (ROE) | 4.9044% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.9044% | 3,057 |
| Net charge-offs to loans | -0.5093% | 7,405 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7255% | 5,289 |
| Assets per employee ($millions) | 5.3357% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2980% | 337 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 6,520 |
| Noncurrent loans to loans | 1.3968% | 4,318 |
| Net loans and leases to total assets | 16.6927% | 7,403 |
| Net loans and leases to deposits | 19.7926% | 7,407 |
| Net loans and leases to core deposits | 20.5396% | 7,403 |
| Total domestic deposits to total assets | 84.3381% | 4,197 |
| Equity capital to assets | 15.3308% | 737 |
| Core capital (leverage) ratio | 14.7687% | 713 |
| Tier 1 risk-based capital ratio | 40.3757% | 241 |
| Total risk-based capital ratio | 41.6722% | 234 |
| Memoranda: | ||
| Average total assets | $17,266,330 | 7,399 |
| Average earning assets | $15,402,670 | 7,392 |
| Average equity | $2,406,000 | 7,271 |
| Average total loans | $2,748,670 | 7,454 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3337% | 7,493 |
| Cost of funding earning assets | 0.1986% | 7,479 |
| Net interest margin | 2.1351% | 7,378 |
| Noninterest income to average assets | 0.2459% | 5,932 |
| Noninterest expense to average assets | 1.4975% | 7,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5588% | 4,241 |
| Return on assets (ROA) | 0.5588% | 4,321 |
| Pretax return on assets | 0.6705% | 4,417 |
| Return on Equity (ROE) | 4.1982% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.1982% | 3,641 |
| Net charge-offs to loans | -0.5867% | 7,429 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0722% | 4,458 |
| Assets per employee ($millions) | 6.1303% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2345% | 362 |
| Loan loss allowance to noncurrent loans | 2,925.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 7,125 |
| Noncurrent loans to loans | 0.1448% | 6,686 |
| Net loans and leases to total assets | 14.3875% | 7,480 |
| Net loans and leases to deposits | 16.5883% | 7,488 |
| Net loans and leases to core deposits | 17.4228% | 7,476 |
| Total domestic deposits to total assets | 86.7326% | 3,102 |
| Equity capital to assets | 13.0172% | 1,375 |
| Core capital (leverage) ratio | 13.5242% | 960 |
| Tier 1 risk-based capital ratio | 39.6786% | 245 |
| Total risk-based capital ratio | 40.9708% | 236 |
| Memoranda: | ||
| Average total assets | $17,896,000 | 7,446 |
| Average earning assets | $16,112,000 | 7,432 |
| Average equity | $2,382,000 | 7,323 |
| Average total loans | $2,727,000 | 7,514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7675% | 7,519 |
| Cost of funding earning assets | 0.3402% | 7,475 |
| Net interest margin | 2.4273% | 7,311 |
| Noninterest income to average assets | 0.3223% | 5,479 |
| Noninterest expense to average assets | 2.3037% | 6,351 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1592% | 5,406 |
| Return on assets (ROA) | 0.1552% | 5,581 |
| Pretax return on assets | 0.2268% | 5,420 |
| Return on Equity (ROE) | 0.9880% | 5,698 |
| Retained earnings to average equity (ytd only) | -10.4119% | 6,682 |
| Net charge-offs to loans | -0.1914% | 7,543 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8235% | 1,254 |
| Assets per employee ($millions) | 5.8003% | 1,354 |
| Cash dividends to net income (ytd only)* | 1,153.8462% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1992% | 336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 14.8152% | 7,562 |
| Net loans and leases to deposits | 17.2108% | 7,571 |
| Net loans and leases to core deposits | 18.1281% | 7,559 |
| Total domestic deposits to total assets | 86.0813% | 3,315 |
| Equity capital to assets | 13.6199% | 1,150 |
| Core capital (leverage) ratio | 14.4275% | 761 |
| Tier 1 risk-based capital ratio | 50.4685% | 143 |
| Total risk-based capital ratio | 51.7675% | 142 |
| Memoranda: | ||
| Average total assets | $16,756,000 | 7,540 |
| Average earning assets | $15,284,400 | 7,517 |
| Average equity | $2,631,600 | 7,367 |
| Average total loans | $2,612,200 | 7,600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8777% | 7,638 |
| Cost of funding earning assets | 0.3608% | 7,599 |
| Net interest margin | 2.5168% | 7,368 |
| Noninterest income to average assets | 0.3535% | 5,335 |
| Noninterest expense to average assets | 1.6310% | 7,484 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5164% | 4,234 |
| Return on assets (ROA) | 0.5062% | 4,478 |
| Pretax return on assets | 1.0043% | 3,169 |
| Return on Equity (ROE) | 3.1146% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.1146% | 4,254 |
| Net charge-offs to loans | -3.8056% | 7,711 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5152% | 5,696 |
| Assets per employee ($millions) | 5.2170% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0325% | 59 |
| Loan loss allowance to noncurrent loans | 433.3333% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,704 |
| Noncurrent loans to loans | 1.6229% | 4,214 |
| Net loans and leases to total assets | 15.3728% | 7,663 |
| Net loans and leases to deposits | 18.8204% | 7,669 |
| Net loans and leases to core deposits | 20.0050% | 7,655 |
| Total domestic deposits to total assets | 81.6817% | 5,135 |
| Equity capital to assets | 17.4941% | 464 |
| Core capital (leverage) ratio | 16.7583% | 454 |
| Tier 1 risk-based capital ratio | 73.6828% | 73 |
| Total risk-based capital ratio | 75.0136% | 73 |
| Memoranda: | ||
| Average total assets | $16,594,750 | 7,633 |
| Average earning assets | $15,150,750 | 7,616 |
| Average equity | $2,697,000 | 7,449 |
| Average total loans | $2,592,500 | 7,700 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7889% | 7,727 |
| Cost of funding earning assets | 0.3892% | 7,663 |
| Net interest margin | 2.3998% | 7,478 |
| Noninterest income to average assets | 0.3903% | 4,989 |
| Noninterest expense to average assets | 1.6204% | 7,555 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6792% | 3,487 |
| Return on assets (ROA) | 0.6624% | 3,719 |
| Pretax return on assets | 0.9344% | 3,365 |
| Return on Equity (ROE) | 4.1739% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.1739% | 3,414 |
| Net charge-offs to loans | -2.7756% | 7,776 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8440% | 5,547 |
| Assets per employee ($millions) | 4.1480% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6338% | 123 |
| Loan loss allowance to noncurrent loans | 411.4286% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 6,875 |
| Noncurrent loans to loans | 1.3693% | 4,654 |
| Net loans and leases to total assets | 14.5371% | 7,732 |
| Net loans and leases to deposits | 17.4555% | 7,744 |
| Net loans and leases to core deposits | 18.4672% | 7,734 |
| Total domestic deposits to total assets | 83.2811% | 4,449 |
| Equity capital to assets | 16.3633% | 616 |
| Core capital (leverage) ratio | 16.0999% | 555 |
| Tier 1 risk-based capital ratio | 84.4930% | 63 |
| Total risk-based capital ratio | 85.8034% | 63 |
| Memoranda: | ||
| Average total assets | $16,909,330 | 7,697 |
| Average earning assets | $15,418,000 | 7,672 |
| Average equity | $2,683,330 | 7,506 |
| Average total loans | $2,594,000 | 7,769 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7798% | 7,836 |
| Cost of funding earning assets | 0.4080% | 7,767 |
| Net interest margin | 2.3718% | 7,548 |
| Noninterest income to average assets | 0.3047% | 5,709 |
| Noninterest expense to average assets | 1.5233% | 7,704 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7884% | 3,019 |
| Return on assets (ROA) | 0.7499% | 3,316 |
| Pretax return on assets | 0.9140% | 3,416 |
| Return on Equity (ROE) | 4.7985% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.7985% | 3,270 |
| Net charge-offs to loans | -0.1531% | 7,617 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3208% | 5,943 |
| Assets per employee ($millions) | 4.5053% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8434% | 422 |
| Loan loss allowance to noncurrent loans | 403.7037% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 7,106 |
| Noncurrent loans to loans | 0.9520% | 5,433 |
| Net loans and leases to total assets | 15.1323% | 7,832 |
| Net loans and leases to deposits | 17.8340% | 7,843 |
| Net loans and leases to core deposits | 17.8340% | 7,836 |
| Total domestic deposits to total assets | 84.8510% | 3,745 |
| Equity capital to assets | 14.8882% | 908 |
| Core capital (leverage) ratio | 15.6963% | 628 |
| Tier 1 risk-based capital ratio | 44.6613% | 195 |
| Total risk-based capital ratio | 45.9126% | 192 |
| Memoranda: | ||
| Average total assets | $17,068,000 | 7,792 |
| Average earning assets | $15,684,500 | 7,761 |
| Average equity | $2,667,500 | 7,592 |
| Average total loans | $2,613,000 | 7,869 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 7,755 |
| Cost of funding earning assets | 0.7586% | 7,612 |
| Net interest margin | 3.0702% | 6,470 |
| Noninterest income to average assets | 0.2810% | 6,098 |
| Noninterest expense to average assets | 2.4650% | 6,254 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5045% | 3,705 |
| Return on assets (ROA) | 0.5045% | 3,806 |
| Pretax return on assets | 0.5556% | 4,031 |
| Return on Equity (ROE) | 2.9970% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.5797% | 3,337 |
| Net charge-offs to loans | 1.6141% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.2895% | 4,012 |
| Efficiency ratio | 81.6068% | 2,657 |
| Assets per employee ($millions) | 4.0288% | 3,760 |
| Cash dividends to net income (ytd only)* | 13.9241% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5188% | 245 |
| Loan loss allowance to noncurrent loans | 981.8182% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 7,326 |
| Noncurrent loans to loans | 0.4603% | 6,341 |
| Net loans and leases to total assets | 14.1607% | 7,913 |
| Net loans and leases to deposits | 17.0286% | 7,929 |
| Net loans and leases to core deposits | 19.0373% | 7,923 |
| Total domestic deposits to total assets | 83.1585% | 4,449 |
| Equity capital to assets | 16.4567% | 626 |
| Core capital (leverage) ratio | 16.9519% | 493 |
| Tier 1 risk-based capital ratio | 52.6473% | 143 |
| Total risk-based capital ratio | 53.9013% | 143 |
| Memoranda: | ||
| Average total assets | $15,659,400 | 7,881 |
| Average earning assets | $13,973,000 | 7,869 |
| Average equity | $2,636,000 | 7,692 |
| Average total loans | $2,354,200 | 7,947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 7,736 |
| Cost of funding earning assets | 0.8579% | 7,617 |
| Net interest margin | 3.3145% | 5,585 |
| Noninterest income to average assets | 0.2916% | 6,147 |
| Noninterest expense to average assets | 1.9469% | 7,472 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9006% | 2,420 |
| Return on assets (ROA) | 0.9006% | 2,487 |
| Pretax return on assets | 1.2608% | 2,079 |
| Return on Equity (ROE) | 5.3191% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.7618% | 2,624 |
| Net charge-offs to loans | -0.2844% | 7,993 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6952% | 6,321 |
| Assets per employee ($millions) | 3.7705% | 4,261 |
| Cash dividends to net income (ytd only)* | 10.4786% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4283% | 64 |
| Loan loss allowance to noncurrent loans | 162.3656% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,908 |
| Noncurrent loans to loans | 3.9591% | 1,857 |
| Net loans and leases to total assets | 14.5737% | 7,994 |
| Net loans and leases to deposits | 17.8366% | 8,008 |
| Net loans and leases to core deposits | 20.1356% | 8,003 |
| Total domestic deposits to total assets | 81.7067% | 4,804 |
| Equity capital to assets | 17.7695% | 531 |
| Core capital (leverage) ratio | 17.1456% | 531 |
| Tier 1 risk-based capital ratio | 56.0025% | 133 |
| Total risk-based capital ratio | 57.2805% | 130 |
| Memoranda: | ||
| Average total assets | $15,545,500 | 7,964 |
| Average earning assets | $13,676,750 | 7,960 |
| Average equity | $2,632,000 | 7,774 |
| Average total loans | $2,345,250 | 8,029 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 7,768 |
| Cost of funding earning assets | 0.9625% | 7,605 |
| Net interest margin | 3.3541% | 5,342 |
| Noninterest income to average assets | 0.2803% | 6,263 |
| Noninterest expense to average assets | 1.8089% | 7,734 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0573% | 1,924 |
| Return on assets (ROA) | 1.0573% | 2,000 |
| Pretax return on assets | 1.4013% | 1,723 |
| Return on Equity (ROE) | 6.3456% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.5046% | 2,248 |
| Net charge-offs to loans | -0.2560% | 8,052 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3492% | 7,076 |
| Assets per employee ($millions) | 3.8660% | 3,951 |
| Cash dividends to net income (ytd only)* | 13.2530% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5037% | 60 |
| Loan loss allowance to noncurrent loans | 244.2623% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 6,479 |
| Noncurrent loans to loans | 2.6626% | 2,711 |
| Net loans and leases to total assets | 13.8515% | 8,088 |
| Net loans and leases to deposits | 16.8264% | 8,099 |
| Net loans and leases to core deposits | 19.4092% | 8,092 |
| Total domestic deposits to total assets | 82.3202% | 4,560 |
| Equity capital to assets | 17.1624% | 642 |
| Core capital (leverage) ratio | 16.8446% | 637 |
| Tier 1 risk-based capital ratio | 55.4371% | 148 |
| Total risk-based capital ratio | 56.7127% | 145 |
| Memoranda: | ||
| Average total assets | $15,700,000 | 8,050 |
| Average earning assets | $13,714,670 | 8,047 |
| Average equity | $2,616,000 | 7,848 |
| Average total loans | $2,344,000 | 8,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 7,730 |
| Cost of funding earning assets | 0.9613% | 7,732 |
| Net interest margin | 3.5246% | 4,631 |
| Noninterest income to average assets | 0.2782% | 6,197 |
| Noninterest expense to average assets | 1.8966% | 7,551 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1127% | 1,916 |
| Return on assets (ROA) | 1.1127% | 2,041 |
| Pretax return on assets | 1.4414% | 1,841 |
| Return on Equity (ROE) | 6.7771% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.0828% | 3,074 |
| Net charge-offs to loans | -0.3375% | 8,081 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8182% | 6,854 |
| Assets per employee ($millions) | 3.9805% | 3,701 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0855% | 63 |
| Loan loss allowance to noncurrent loans | 290.1961% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 6,551 |
| Noncurrent loans to loans | 2.0970% | 3,119 |
| Net loans and leases to total assets | 14.3449% | 8,138 |
| Net loans and leases to deposits | 17.2886% | 8,144 |
| Net loans and leases to core deposits | 19.6541% | 8,142 |
| Total domestic deposits to total assets | 82.9732% | 4,163 |
| Equity capital to assets | 16.4238% | 807 |
| Core capital (leverage) ratio | 16.3259% | 738 |
| Tier 1 risk-based capital ratio | 51.2564% | 192 |
| Total risk-based capital ratio | 52.5324% | 191 |
| Memoranda: | ||
| Average total assets | $15,818,000 | 8,092 |
| Average earning assets | $13,732,000 | 8,094 |
| Average equity | $2,597,000 | 7,909 |
| Average total loans | $2,370,500 | 8,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0269% | 7,817 |
| Cost of funding earning assets | 1.4815% | 7,636 |
| Net interest margin | 3.5454% | 5,122 |
| Noninterest income to average assets | 0.3211% | 6,159 |
| Noninterest expense to average assets | 2.6905% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6036% | 4,285 |
| Return on assets (ROA) | 0.6036% | 4,149 |
| Pretax return on assets | 0.7962% | 4,088 |
| Return on Equity (ROE) | 3.5793% | 5,002 |
| Retained earnings to average equity (ytd only) | 0.3046% | 5,059 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1639% | 3,055 |
| Assets per employee ($millions) | 3.9285% | 3,662 |
| Cash dividends to net income (ytd only)* | 91.4894% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3231% | 45 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 13.7648% | 8,199 |
| Net loans and leases to deposits | 16.5595% | 8,205 |
| Net loans and leases to core deposits | 18.6788% | 8,204 |
| Total domestic deposits to total assets | 83.1233% | 3,719 |
| Equity capital to assets | 16.4121% | 856 |
| Core capital (leverage) ratio | 16.6023% | 747 |
| Tier 1 risk-based capital ratio | 52.1423% | 199 |
| Total risk-based capital ratio | 53.4155% | 196 |
| Memoranda: | ||
| Average total assets | $15,573,400 | 8,149 |
| Average earning assets | $13,905,200 | 8,141 |
| Average equity | $2,626,200 | 7,944 |
| Average total loans | $2,363,800 | 8,227 |