Home > Bison State Bank > Performance and Condition Ratios
Bison State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7406% | 463 |
| Cost of funding earning assets | 2.4401% | 957 |
| Net interest margin | 4.3005% | 837 |
| Noninterest income to average assets | 1.9900% | 258 |
| Noninterest expense to average assets | 5.8581% | 183 |
| Loan and lease loss provision to assets | 0.9000% | 94 |
| Net operating income to assets | -0.6564% | 4,333 |
| Return on assets (ROA) | -0.6564% | 4,363 |
| Pretax return on assets | -0.8451% | 4,379 |
| Return on Equity (ROE) | -6.9700% | 4,356 |
| Retained earnings to average equity (ytd only) | -6.9709% | 4,171 |
| Net charge-offs to loans | 1.0550% | 146 |
| Credit loss provision to net charge-offs | 124.4681% | 1,132 |
| Earnings coverage of net charge-offs (x) | 0.0691% | 2,225 |
| Efficiency ratio | 99.0978% | 281 |
| Assets per employee ($millions) | 2.7564% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,269 |
| Loan loss allowance to noncurrent loans | 46.7652% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.5914% | 367 |
| Noncurrent loans to loans | 2.1223% | 394 |
| Net loans and leases to total assets | 74.2400% | 1,301 |
| Net loans and leases to deposits | 89.6151% | 1,134 |
| Net loans and leases to core deposits | 106.7131% | 994 |
| Total domestic deposits to total assets | 82.8400% | 3,147 |
| Equity capital to assets | 8.9306% | 2,993 |
| Core capital (leverage) ratio | 9.6124% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $97,505,500 | 3,799 |
| Average earning assets | $89,012,500 | 3,792 |
| Average equity | $9,181,000 | 3,859 |
| Average total loans | $71,279,000 | 3,562 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9789% | 409 |
| Cost of funding earning assets | 2.6882% | 856 |
| Net interest margin | 4.2906% | 842 |
| Noninterest income to average assets | 0.8400% | 845 |
| Noninterest expense to average assets | 4.3660% | 306 |
| Loan and lease loss provision to assets | 1.0900% | 68 |
| Net operating income to assets | -0.6017% | 4,360 |
| Return on assets (ROA) | -0.6017% | 4,390 |
| Pretax return on assets | -0.6480% | 4,380 |
| Return on Equity (ROE) | -6.2200% | 4,374 |
| Retained earnings to average equity (ytd only) | -6.2161% | 4,328 |
| Net charge-offs to loans | 1.0814% | 139 |
| Credit loss provision to net charge-offs | 123.7171% | 1,627 |
| Earnings coverage of net charge-offs (x) | 0.5118% | 2,978 |
| Efficiency ratio | 90.8844% | 470 |
| Assets per employee ($millions) | 3.4454% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 2,804 |
| Loan loss allowance to noncurrent loans | 47.0899% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.6254% | 314 |
| Noncurrent loans to loans | 2.2880% | 324 |
| Net loans and leases to total assets | 70.2700% | 1,860 |
| Net loans and leases to deposits | 78.4978% | 2,254 |
| Net loans and leases to core deposits | 91.7336% | 1,984 |
| Total domestic deposits to total assets | 89.5200% | 975 |
| Equity capital to assets | 9.9479% | 2,168 |
| Core capital (leverage) ratio | 9.2921% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $84,264,200 | 3,913 |
| Average earning assets | $77,820,400 | 3,896 |
| Average equity | $8,156,200 | 3,947 |
| Average total loans | $66,675,400 | 3,618 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1708% | 145 |
| Cost of funding earning assets | 2.7085% | 829 |
| Net interest margin | 5.4623% | 195 |
| Noninterest income to average assets | 0.7400% | 1,021 |
| Noninterest expense to average assets | 5.4082% | 195 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.1697% | 4,038 |
| Return on assets (ROA) | 0.1697% | 4,068 |
| Pretax return on assets | 0.2278% | 4,032 |
| Return on Equity (ROE) | 1.7400% | 4,053 |
| Retained earnings to average equity (ytd only) | 1.7450% | 3,528 |
| Net charge-offs to loans | 0.1370% | 801 |
| Credit loss provision to net charge-offs | 189.8551% | 1,119 |
| Earnings coverage of net charge-offs (x) | 3.5072% | 2,508 |
| Efficiency ratio | 93.2572% | 422 |
| Assets per employee ($millions) | 4.3024% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 3,965 |
| Loan loss allowance to noncurrent loans | 128.2378% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 1,459 |
| Noncurrent loans to loans | 0.6012% | 1,582 |
| Net loans and leases to total assets | 78.5500% | 814 |
| Net loans and leases to deposits | 93.2442% | 925 |
| Net loans and leases to core deposits | 109.6884% | 951 |
| Total domestic deposits to total assets | 84.2500% | 2,529 |
| Equity capital to assets | 10.0055% | 2,294 |
| Core capital (leverage) ratio | 10.1947% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $82,514,250 | 3,943 |
| Average earning assets | $76,498,500 | 3,931 |
| Average equity | $8,022,750 | 3,978 |
| Average total loans | $67,134,250 | 3,623 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9196% | 165 |
| Cost of funding earning assets | 2.6464% | 848 |
| Net interest margin | 5.2733% | 239 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 5.3353% | 204 |
| Loan and lease loss provision to assets | 0.1800% | 618 |
| Net operating income to assets | 0.0363% | 4,191 |
| Return on assets (ROA) | 0.0363% | 4,222 |
| Pretax return on assets | 0.0493% | 4,198 |
| Return on Equity (ROE) | 0.3800% | 4,213 |
| Retained earnings to average equity (ytd only) | 0.3785% | 3,750 |
| Net charge-offs to loans | 0.2208% | 505 |
| Credit loss provision to net charge-offs | 135.7143% | 1,274 |
| Earnings coverage of net charge-offs (x) | 1.2714% | 2,480 |
| Efficiency ratio | 95.8489% | 382 |
| Assets per employee ($millions) | 3.8321% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 3,980 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,637 |
| Noncurrent loans to loans | 0.0192% | 3,643 |
| Net loans and leases to total assets | 78.6000% | 837 |
| Net loans and leases to deposits | 93.3291% | 1,000 |
| Net loans and leases to core deposits | 107.1885% | 1,090 |
| Total domestic deposits to total assets | 84.2200% | 2,553 |
| Equity capital to assets | 10.0989% | 2,013 |
| Core capital (leverage) ratio | 10.8219% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $77,033,667 | 4,016 |
| Average earning assets | $71,872,000 | 3,992 |
| Average equity | $7,396,667 | 4,038 |
| Average total loans | $63,399,667 | 3,675 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3879% | 92 |
| Cost of funding earning assets | 2.7654% | 644 |
| Net interest margin | 6.6224% | 70 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 7.2967% | 142 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | -0.5002% | 4,458 |
| Return on assets (ROA) | -0.5002% | 4,443 |
| Pretax return on assets | -0.6727% | 4,458 |
| Return on Equity (ROE) | -5.3900% | 4,427 |
| Retained earnings to average equity (ytd only) | -5.3945% | 4,152 |
| Net charge-offs to loans | -0.0273% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 109.2083% | 192 |
| Assets per employee ($millions) | 2.9902% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 3,553 |
| Loan loss allowance to noncurrent loans | 1,356.0976% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,283 |
| Noncurrent loans to loans | 0.0695% | 3,280 |
| Net loans and leases to total assets | 81.4500% | 474 |
| Net loans and leases to deposits | 92.9297% | 951 |
| Net loans and leases to core deposits | 112.2743% | 865 |
| Total domestic deposits to total assets | 87.6400% | 1,551 |
| Equity capital to assets | 9.4517% | 2,354 |
| Core capital (leverage) ratio | 9.0270% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $69,565,500 | 4,107 |
| Average earning assets | $65,957,500 | 4,077 |
| Average equity | $6,451,000 | 4,151 |
| Average total loans | $58,671,500 | 3,740 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0500% | 212 |
| Cost of funding earning assets | 2.9856% | 147 |
| Net interest margin | 4.0645% | 1,114 |
| Noninterest income to average assets | 1.2700% | 469 |
| Noninterest expense to average assets | 7.4703% | 138 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | -1.7179% | 4,561 |
| Return on assets (ROA) | -1.7179% | 4,558 |
| Pretax return on assets | -2.3033% | 4,567 |
| Return on Equity (ROE) | -15.3600% | 4,527 |
| Retained earnings to average equity (ytd only) | -15.3637% | 4,500 |
| Net charge-offs to loans | 0.0300% | 1,708 |
| Credit loss provision to net charge-offs | -86.6667% | 4,470 |
| Earnings coverage of net charge-offs (x) | -93.0667% | 4,590 |
| Efficiency ratio | 145.4723% | 48 |
| Assets per employee ($millions) | 2.8069% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 3,614 |
| Loan loss allowance to noncurrent loans | 18,066.6667% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,785 |
| Noncurrent loans to loans | 0.0051% | 3,747 |
| Net loans and leases to total assets | 85.7900% | 170 |
| Net loans and leases to deposits | 103.6236% | 378 |
| Net loans and leases to core deposits | 126.1431% | 483 |
| Total domestic deposits to total assets | 82.7900% | 2,943 |
| Equity capital to assets | 9.0832% | 2,619 |
| Core capital (leverage) ratio | 8.8931% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $59,783,600 | 4,216 |
| Average earning assets | $56,907,400 | 4,178 |
| Average equity | $6,684,600 | 4,083 |
| Average total loans | $50,046,200 | 3,842 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5540% | 291 |
| Cost of funding earning assets | 2.9588% | 123 |
| Net interest margin | 3.5951% | 2,021 |
| Noninterest income to average assets | 1.4700% | 394 |
| Noninterest expense to average assets | 7.5569% | 137 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | -1.9393% | 4,593 |
| Return on assets (ROA) | -1.9393% | 4,590 |
| Pretax return on assets | -2.6004% | 4,601 |
| Return on Equity (ROE) | -16.4500% | 4,564 |
| Retained earnings to average equity (ytd only) | -16.4465% | 4,540 |
| Net charge-offs to loans | 0.0417% | 1,288 |
| Credit loss provision to net charge-offs | -153.3333% | 4,540 |
| Earnings coverage of net charge-offs (x) | -77.2000% | 4,625 |
| Efficiency ratio | 154.5455% | 37 |
| Assets per employee ($millions) | 2.6173% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,099 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 82.9600% | 363 |
| Net loans and leases to deposits | 107.4599% | 258 |
| Net loans and leases to core deposits | 134.6400% | 283 |
| Total domestic deposits to total assets | 77.2000% | 3,907 |
| Equity capital to assets | 10.4540% | 1,573 |
| Core capital (leverage) ratio | 9.7779% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,888,000 | 4,248 |
| Average earning assets | $55,110,250 | 4,213 |
| Average equity | $6,826,000 | 4,065 |
| Average total loans | $47,973,500 | 3,878 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2190% | 341 |
| Cost of funding earning assets | 2.7284% | 119 |
| Net interest margin | 3.4906% | 2,287 |
| Noninterest income to average assets | 1.5100% | 324 |
| Noninterest expense to average assets | 6.5268% | 160 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | -1.1940% | 4,606 |
| Return on assets (ROA) | -1.1940% | 4,604 |
| Pretax return on assets | -1.6002% | 4,608 |
| Return on Equity (ROE) | -9.7400% | 4,576 |
| Retained earnings to average equity (ytd only) | -9.7378% | 4,506 |
| Net charge-offs to loans | -0.0127% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 135.2685% | 50 |
| Assets per employee ($millions) | 2.4438% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 2,995 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 84.8800% | 215 |
| Net loans and leases to deposits | 120.2115% | 87 |
| Net loans and leases to core deposits | 151.7281% | 136 |
| Total domestic deposits to total assets | 70.6100% | 4,338 |
| Equity capital to assets | 11.5853% | 1,180 |
| Core capital (leverage) ratio | 11.4354% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,118,333 | 4,281 |
| Average earning assets | $54,317,667 | 4,244 |
| Average equity | $7,003,667 | 4,077 |
| Average total loans | $47,140,000 | 3,903 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 355 |
| Cost of funding earning assets | 2.3979% | 118 |
| Net interest margin | 3.5035% | 2,353 |
| Noninterest income to average assets | 1.1900% | 445 |
| Noninterest expense to average assets | 7.1054% | 148 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | -2.0656% | 4,652 |
| Return on assets (ROA) | -2.0656% | 4,646 |
| Pretax return on assets | -2.7612% | 4,647 |
| Return on Equity (ROE) | -16.3800% | 4,625 |
| Retained earnings to average equity (ytd only) | -16.3759% | 4,565 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 157.1429% | 38 |
| Assets per employee ($millions) | 2.7445% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,180 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 80.0800% | 534 |
| Net loans and leases to deposits | 111.4732% | 162 |
| Net loans and leases to core deposits | 133.3189% | 242 |
| Total domestic deposits to total assets | 71.8300% | 4,362 |
| Equity capital to assets | 11.8853% | 1,033 |
| Core capital (leverage) ratio | 12.9304% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $56,351,500 | 4,348 |
| Average earning assets | $53,547,000 | 4,309 |
| Average equity | $7,108,000 | 4,109 |
| Average total loans | $45,544,500 | 3,967 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 487 |
| Cost of funding earning assets | 1.4212% | 38 |
| Net interest margin | 3.3087% | 2,543 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 6.2187% | 157 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | -1.5759% | 4,680 |
| Return on assets (ROA) | -1.5759% | 4,676 |
| Pretax return on assets | -2.1129% | 4,684 |
| Return on Equity (ROE) | -13.2400% | 4,677 |
| Retained earnings to average equity (ytd only) | -13.2439% | 4,662 |
| Net charge-offs to loans | -0.0066% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 140.5751% | 46 |
| Assets per employee ($millions) | 1.8356% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 4,190 |
| Loan loss allowance to noncurrent loans | 90.8309% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 788 |
| Noncurrent loans to loans | 0.7870% | 946 |
| Net loans and leases to total assets | 79.9500% | 598 |
| Net loans and leases to deposits | 134.1060% | 36 |
| Net loans and leases to core deposits | 153.2013% | 87 |
| Total domestic deposits to total assets | 59.6200% | 4,578 |
| Equity capital to assets | 13.3759% | 648 |
| Core capital (leverage) ratio | 14.3916% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $42,452,600 | 4,505 |
| Average earning assets | $40,529,600 | 4,474 |
| Average equity | $5,051,400 | 4,424 |
| Average total loans | $30,437,000 | 4,234 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 1,037 |
| Cost of funding earning assets | 0.9972% | 66 |
| Net interest margin | 3.1195% | 2,867 |
| Noninterest income to average assets | 3.6400% | 161 |
| Noninterest expense to average assets | 6.6634% | 150 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | -0.2850% | 4,656 |
| Return on assets (ROA) | -0.2850% | 4,637 |
| Pretax return on assets | -0.3800% | 4,647 |
| Return on Equity (ROE) | -2.5000% | 4,627 |
| Retained earnings to average equity (ytd only) | -2.5040% | 4,516 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.6148% | 149 |
| Assets per employee ($millions) | 1.1123% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5268% | 4,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.8800% | 194 |
| Net loans and leases to deposits | 161.8720% | 10 |
| Net loans and leases to core deposits | 188.2129% | 28 |
| Total domestic deposits to total assets | 52.4400% | 4,647 |
| Equity capital to assets | 8.6357% | 2,452 |
| Core capital (leverage) ratio | 10.9092% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $39,298,500 | 4,569 |
| Average earning assets | $37,569,250 | 4,535 |
| Average equity | $4,472,750 | 4,526 |
| Average total loans | $26,960,250 | 4,317 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 3,679 |
| Cost of funding earning assets | 0.2824% | 1,872 |
| Net interest margin | 2.6662% | 3,782 |
| Noninterest income to average assets | 5.2852% | 94 |
| Noninterest expense to average assets | 6.6887% | 110 |
| Loan and lease loss provision to assets | 0.2213% | 355 |
| Net operating income to assets | 0.7017% | 3,306 |
| Return on assets (ROA) | 0.7017% | 3,257 |
| Pretax return on assets | 0.9420% | 2,920 |
| Return on Equity (ROE) | 5.3229% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.3229% | 2,582 |
| Net charge-offs to loans | -0.0110% | 3,621 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1852% | 614 |
| Assets per employee ($millions) | 1.5998% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 4,214 |
| Loan loss allowance to noncurrent loans | 327.2727% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 2,808 |
| Noncurrent loans to loans | 0.2362% | 2,533 |
| Net loans and leases to total assets | 54.1569% | 2,946 |
| Net loans and leases to deposits | 92.0360% | 609 |
| Net loans and leases to core deposits | 101.2453% | 620 |
| Total domestic deposits to total assets | 58.8432% | 4,694 |
| Equity capital to assets | 10.9255% | 1,243 |
| Core capital (leverage) ratio | 11.4820% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,635,333 | 4,668 |
| Average earning assets | $30,455,000 | 4,652 |
| Average equity | $4,170,667 | 4,604 |
| Average total loans | $18,230,667 | 4,531 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7186% | 3,905 |
| Cost of funding earning assets | 0.2091% | 2,678 |
| Net interest margin | 2.5094% | 3,888 |
| Noninterest income to average assets | 4.2641% | 117 |
| Noninterest expense to average assets | 7.0092% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2379% | 4,650 |
| Return on assets (ROA) | -0.2379% | 4,633 |
| Pretax return on assets | -0.3294% | 4,642 |
| Return on Equity (ROE) | -1.5031% | 4,613 |
| Retained earnings to average equity (ytd only) | -1.5031% | 4,198 |
| Net charge-offs to loans | -0.0299% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9315% | 176 |
| Assets per employee ($millions) | 1.5673% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,247 |
| Loan loss allowance to noncurrent loans | 603.3333% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,982 |
| Noncurrent loans to loans | 0.1854% | 2,891 |
| Net loans and leases to total assets | 63.7915% | 1,647 |
| Net loans and leases to deposits | 77.0123% | 1,362 |
| Net loans and leases to core deposits | 77.9923% | 1,613 |
| Total domestic deposits to total assets | 82.8329% | 3,962 |
| Equity capital to assets | 16.2420% | 300 |
| Core capital (leverage) ratio | 20.3304% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,857,000 | 4,758 |
| Average earning assets | $21,040,500 | 4,738 |
| Average equity | $3,459,500 | 4,691 |
| Average total loans | $13,376,000 | 4,628 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 2,992 |
| Cost of funding earning assets | 0.2438% | 3,008 |
| Net interest margin | 3.1317% | 2,799 |
| Noninterest income to average assets | 2.9148% | 190 |
| Noninterest expense to average assets | 5.3256% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4936% | 4,107 |
| Return on assets (ROA) | 0.4936% | 4,148 |
| Pretax return on assets | 0.5923% | 4,122 |
| Return on Equity (ROE) | 4.4215% | 4,120 |
| Retained earnings to average equity (ytd only) | 4.4215% | 3,045 |
| Net charge-offs to loans | -0.1194% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9912% | 333 |
| Assets per employee ($millions) | 2.0708% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,040 |
| Loan loss allowance to noncurrent loans | 580.6452% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,772 |
| Noncurrent loans to loans | 0.2932% | 2,537 |
| Net loans and leases to total assets | 55.7708% | 2,651 |
| Net loans and leases to deposits | 66.2080% | 2,494 |
| Net loans and leases to core deposits | 67.3274% | 2,708 |
| Total domestic deposits to total assets | 84.2357% | 3,496 |
| Equity capital to assets | 15.2707% | 463 |
| Core capital (leverage) ratio | 15.2233% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,246,600 | 4,809 |
| Average earning assets | $18,456,200 | 4,792 |
| Average equity | $2,148,600 | 4,806 |
| Average total loans | $9,212,000 | 4,742 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 3,200 |
| Cost of funding earning assets | 0.2440% | 3,174 |
| Net interest margin | 3.1219% | 2,994 |
| Noninterest income to average assets | 2.7630% | 220 |
| Noninterest expense to average assets | 4.8043% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7767% | 3,581 |
| Return on assets (ROA) | 0.7767% | 3,647 |
| Pretax return on assets | 0.9485% | 3,588 |
| Return on Equity (ROE) | 7.6314% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.6314% | 2,169 |
| Net charge-offs to loans | -0.1353% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5125% | 546 |
| Assets per employee ($millions) | 2.6460% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 45.8144% | 3,808 |
| Net loans and leases to deposits | 53.2623% | 3,796 |
| Net loans and leases to core deposits | 54.0369% | 3,918 |
| Total domestic deposits to total assets | 86.0166% | 2,743 |
| Equity capital to assets | 13.5346% | 840 |
| Core capital (leverage) ratio | 13.7338% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,399,000 | 4,881 |
| Average earning assets | $18,578,000 | 4,864 |
| Average equity | $1,974,250 | 4,888 |
| Average total loans | $8,871,500 | 4,813 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 2,033 |
| Cost of funding earning assets | 0.2661% | 3,123 |
| Net interest margin | 3.5475% | 1,725 |
| Noninterest income to average assets | 2.0203% | 324 |
| Noninterest expense to average assets | 4.5084% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7868% | 3,548 |
| Return on assets (ROA) | 0.7868% | 3,614 |
| Pretax return on assets | 0.9144% | 3,629 |
| Return on Equity (ROE) | 8.8235% | 3,162 |
| Retained earnings to average equity (ytd only) | 8.8235% | 1,767 |
| Net charge-offs to loans | -0.1874% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1373% | 603 |
| Assets per employee ($millions) | 2.2750% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.3187% | 3,797 |
| Net loans and leases to deposits | 52.3908% | 3,970 |
| Net loans and leases to core deposits | 53.2328% | 4,062 |
| Total domestic deposits to total assets | 90.3187% | 640 |
| Equity capital to assets | 9.4835% | 3,345 |
| Core capital (leverage) ratio | 8.8813% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,809,333 | 4,921 |
| Average earning assets | $18,041,000 | 4,901 |
| Average equity | $1,677,333 | 4,934 |
| Average total loans | $8,536,667 | 4,852 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 1,981 |
| Cost of funding earning assets | 0.2837% | 3,160 |
| Net interest margin | 3.5568% | 1,687 |
| Noninterest income to average assets | 0.8580% | 1,437 |
| Noninterest expense to average assets | 4.2691% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0000% | 4,772 |
| Return on assets (ROA) | 0.0000% | 4,782 |
| Pretax return on assets | 0.0000% | 4,785 |
| Return on Equity (ROE) | 0.0000% | 4,782 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,366 |
| Net charge-offs to loans | -0.0951% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 187 |
| Assets per employee ($millions) | 2.5514% | 4,878 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.8197% | 3,902 |
| Net loans and leases to deposits | 51.9121% | 4,050 |
| Net loans and leases to core deposits | 52.7638% | 4,154 |
| Total domestic deposits to total assets | 90.1904% | 728 |
| Equity capital to assets | 9.2553% | 3,438 |
| Core capital (leverage) ratio | 8.7627% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,114,000 | 4,945 |
| Average earning assets | $18,331,000 | 4,928 |
| Average equity | $1,653,000 | 4,961 |
| Average total loans | $8,410,500 | 4,881 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,120 |
| Cost of funding earning assets | 0.3542% | 3,852 |
| Net interest margin | 3.8515% | 1,349 |
| Noninterest income to average assets | 4.6796% | 119 |
| Noninterest expense to average assets | 7.1334% | 104 |
| Loan and lease loss provision to assets | 0.0308% | 4,012 |
| Net operating income to assets | 0.7768% | 3,176 |
| Return on assets (ROA) | 0.7768% | 3,307 |
| Pretax return on assets | 1.2023% | 2,312 |
| Return on Equity (ROE) | 8.0030% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.0030% | 1,052 |
| Net charge-offs to loans | -0.2094% | 4,901 |
| Credit loss provision to net charge-offs | -23.8095% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2616% | 558 |
| Assets per employee ($millions) | 2.9097% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 540 |
| 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 | 39.8615% | 4,447 |
| Net loans and leases to deposits | 43.6130% | 4,542 |
| Net loans and leases to core deposits | 44.2284% | 4,592 |
| Total domestic deposits to total assets | 91.3983% | 147 |
| Equity capital to assets | 8.1157% | 4,658 |
| Core capital (leverage) ratio | 8.9627% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,219,400 | 4,980 |
| Average earning assets | $15,526,600 | 4,964 |
| Average equity | $1,574,400 | 4,982 |
| Average total loans | $10,028,800 | 4,892 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 1,062 |
| Cost of funding earning assets | 0.3955% | 3,830 |
| Net interest margin | 4.3050% | 578 |
| Noninterest income to average assets | 4.8828% | 115 |
| Noninterest expense to average assets | 7.7896% | 99 |
| Loan and lease loss provision to assets | 0.0461% | 3,781 |
| Net operating income to assets | 0.6938% | 3,478 |
| Return on assets (ROA) | 0.6938% | 3,578 |
| Pretax return on assets | 1.1592% | 2,528 |
| Return on Equity (ROE) | 6.7748% | 3,282 |
| Retained earnings to average equity (ytd only) | 6.7748% | 1,784 |
| Net charge-offs to loans | -0.2931% | 4,949 |
| Credit loss provision to net charge-offs | -21.7391% | 3,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6211% | 472 |
| Assets per employee ($millions) | 1.6289% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,145 |
| Loan loss allowance to noncurrent loans | 518.1818% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 3,425 |
| Noncurrent loans to loans | 0.3057% | 3,185 |
| Net loans and leases to total assets | 65.2281% | 2,617 |
| Net loans and leases to deposits | 72.9138% | 3,043 |
| Net loans and leases to core deposits | 74.2332% | 3,304 |
| Total domestic deposits to total assets | 89.4591% | 594 |
| Equity capital to assets | 9.8717% | 3,359 |
| Core capital (leverage) ratio | 10.3722% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,182,250 | 5,014 |
| Average earning assets | $14,494,500 | 5,000 |
| Average equity | $1,554,750 | 5,016 |
| Average total loans | $10,464,000 | 4,916 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 1,229 |
| Cost of funding earning assets | 0.3662% | 4,196 |
| Net interest margin | 4.4080% | 604 |
| Noninterest income to average assets | 4.6715% | 114 |
| Noninterest expense to average assets | 7.8038% | 94 |
| Loan and lease loss provision to assets | 0.0675% | 3,448 |
| Net operating income to assets | 0.7696% | 3,161 |
| Return on assets (ROA) | 0.7696% | 3,272 |
| Pretax return on assets | 1.0261% | 2,945 |
| Return on Equity (ROE) | 7.4170% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.4170% | 1,496 |
| Net charge-offs to loans | -0.3670% | 4,986 |
| Credit loss provision to net charge-offs | -26.3158% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7086% | 463 |
| Assets per employee ($millions) | 1.8166% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,000 |
| Loan loss allowance to noncurrent loans | 494.1176% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 3,498 |
| Noncurrent loans to loans | 0.3245% | 3,226 |
| Net loans and leases to total assets | 63.0620% | 2,996 |
| Net loans and leases to deposits | 70.2939% | 3,393 |
| Net loans and leases to core deposits | 71.5426% | 3,618 |
| Total domestic deposits to total assets | 89.7119% | 489 |
| Equity capital to assets | 9.7070% | 3,469 |
| Core capital (leverage) ratio | 10.2885% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,813,333 | 5,045 |
| Average earning assets | $14,201,333 | 5,031 |
| Average equity | $1,537,000 | 5,050 |
| Average total loans | $10,353,333 | 4,953 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 830 |
| Cost of funding earning assets | 0.4457% | 4,171 |
| Net interest margin | 4.6351% | 388 |
| Noninterest income to average assets | 2.5916% | 187 |
| Noninterest expense to average assets | 7.9741% | 98 |
| Loan and lease loss provision to assets | 0.0854% | 2,620 |
| Net operating income to assets | -0.8259% | 4,972 |
| Return on assets (ROA) | -0.8259% | 4,952 |
| Pretax return on assets | -1.0252% | 4,960 |
| Return on Equity (ROE) | -7.6720% | 4,972 |
| Retained earnings to average equity (ytd only) | -7.6720% | 4,674 |
| Net charge-offs to loans | -0.1555% | 4,902 |
| Credit loss provision to net charge-offs | -75.0000% | 3,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3603% | 132 |
| Assets per employee ($millions) | 1.5247% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 1,796 |
| Loan loss allowance to noncurrent loans | 431.4286% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 3,432 |
| Noncurrent loans to loans | 0.3185% | 3,352 |
| Net loans and leases to total assets | 78.9827% | 824 |
| Net loans and leases to deposits | 88.9819% | 1,643 |
| Net loans and leases to core deposits | 90.8923% | 2,263 |
| Total domestic deposits to total assets | 88.7626% | 773 |
| Equity capital to assets | 10.9168% | 2,926 |
| Core capital (leverage) ratio | 10.2767% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,045,500 | 5,099 |
| Average earning assets | $13,462,500 | 5,084 |
| Average equity | $1,512,000 | 5,098 |
| Average total loans | $10,291,000 | 4,994 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8005% | 78 |
| Cost of funding earning assets | 0.4589% | 4,242 |
| Net interest margin | 6.3416% | 51 |
| Noninterest income to average assets | 9.2861% | 62 |
| Noninterest expense to average assets | 13.2871% | 51 |
| Loan and lease loss provision to assets | 0.3054% | 546 |
| Net operating income to assets | 1.4250% | 1,261 |
| Return on assets (ROA) | 1.4250% | 1,329 |
| Pretax return on assets | 1.6442% | 1,349 |
| Return on Equity (ROE) | 12.8368% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.8368% | 175 |
| Net charge-offs to loans | 0.3935% | 496 |
| Credit loss provision to net charge-offs | 121.8750% | 2,082 |
| Earnings coverage of net charge-offs (x) | 7.7813% | 2,844 |
| Efficiency ratio | 87.2045% | 481 |
| Assets per employee ($millions) | 1.7961% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 1,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 3,497 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 65.7596% | 2,979 |
| Net loans and leases to deposits | 74.1447% | 3,340 |
| Net loans and leases to core deposits | 75.6525% | 3,599 |
| Total domestic deposits to total assets | 88.6909% | 801 |
| Equity capital to assets | 10.6201% | 3,334 |
| Core capital (leverage) ratio | 10.0190% | 3,497 |
| Tier 1 risk-based capital ratio | 17.7564% | 1,823 |
| Total risk-based capital ratio | 19.0042% | 1,777 |
| Memoranda: | ||
| Average total assets | $12,771,800 | 5,166 |
| Average earning assets | $11,984,400 | 5,151 |
| Average equity | $1,417,800 | 5,161 |
| Average total loans | $8,132,000 | 5,088 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6375% | 96 |
| Cost of funding earning assets | 0.3714% | 4,593 |
| Net interest margin | 6.2661% | 53 |
| Noninterest income to average assets | 9.6233% | 60 |
| Noninterest expense to average assets | 12.9532% | 51 |
| Loan and lease loss provision to assets | 0.3556% | 374 |
| Net operating income to assets | 1.6919% | 761 |
| Return on assets (ROA) | 1.6919% | 801 |
| Pretax return on assets | 2.1338% | 510 |
| Return on Equity (ROE) | 15.0516% | 768 |
| Retained earnings to average equity (ytd only) | 15.0516% | 146 |
| Net charge-offs to loans | 0.1374% | 1,167 |
| Credit loss provision to net charge-offs | 412.5000% | 737 |
| Earnings coverage of net charge-offs (x) | 28.8650% | 1,670 |
| Efficiency ratio | 83.8800% | 621 |
| Assets per employee ($millions) | 0.7108% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 808 |
| Loan loss allowance to noncurrent loans | 218.9189% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 2,441 |
| Noncurrent loans to loans | 0.7798% | 2,013 |
| Net loans and leases to total assets | 65.6162% | 3,096 |
| Net loans and leases to deposits | 73.6809% | 3,502 |
| Net loans and leases to core deposits | 75.1894% | 3,748 |
| Total domestic deposits to total assets | 89.0546% | 593 |
| Equity capital to assets | 10.5656% | 3,490 |
| Core capital (leverage) ratio | 10.2334% | 3,382 |
| Tier 1 risk-based capital ratio | 18.1134% | 1,782 |
| Total risk-based capital ratio | 19.3958% | 1,735 |
| Memoranda: | ||
| Average total assets | $12,372,500 | 5,245 |
| Average earning assets | $11,490,000 | 5,232 |
| Average equity | $1,390,750 | 5,241 |
| Average total loans | $7,766,750 | 5,172 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0160% | 224 |
| Cost of funding earning assets | 0.4219% | 4,425 |
| Net interest margin | 5.5941% | 108 |
| Noninterest income to average assets | 8.3688% | 65 |
| Noninterest expense to average assets | 12.2470% | 56 |
| Loan and lease loss provision to assets | 0.4593% | 259 |
| Net operating income to assets | 0.7654% | 3,769 |
| Return on assets (ROA) | 0.7654% | 3,835 |
| Pretax return on assets | 0.8505% | 3,971 |
| Return on Equity (ROE) | 6.6486% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.6486% | 1,980 |
| Net charge-offs to loans | 0.2781% | 611 |
| Credit loss provision to net charge-offs | 270.0000% | 965 |
| Earnings coverage of net charge-offs (x) | 7.7000% | 2,468 |
| Efficiency ratio | 90.3388% | 342 |
| Assets per employee ($millions) | 0.9284% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 822 |
| Loan loss allowance to noncurrent loans | 204.0000% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,397 |
| Noncurrent loans to loans | 0.8323% | 1,925 |
| Net loans and leases to total assets | 63.6076% | 3,383 |
| Net loans and leases to deposits | 71.2230% | 3,747 |
| Net loans and leases to core deposits | 74.5309% | 3,859 |
| Total domestic deposits to total assets | 89.3078% | 536 |
| Equity capital to assets | 9.9741% | 3,993 |
| Core capital (leverage) ratio | 10.0971% | 3,502 |
| Tier 1 risk-based capital ratio | 16.7363% | 2,165 |
| Total risk-based capital ratio | 17.9906% | 2,108 |
| Memoranda: | ||
| Average total assets | $11,758,000 | 5,295 |
| Average earning assets | $10,904,330 | 5,281 |
| Average equity | $1,353,670 | 5,289 |
| Average total loans | $7,192,330 | 5,232 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 684 |
| Cost of funding earning assets | 0.3520% | 4,673 |
| Net interest margin | 5.0066% | 277 |
| Noninterest income to average assets | 1.4990% | 391 |
| Noninterest expense to average assets | 6.9327% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2998% | 5,227 |
| Return on assets (ROA) | -0.2998% | 5,221 |
| Pretax return on assets | -0.6371% | 5,254 |
| Return on Equity (ROE) | -2.3952% | 5,228 |
| Retained earnings to average equity (ytd only) | -2.3952% | 4,777 |
| Net charge-offs to loans | -0.4456% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1190% | 105 |
| Assets per employee ($millions) | 2.3290% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 529 |
| Loan loss allowance to noncurrent loans | 216.6667% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 2,368 |
| Noncurrent loans to loans | 0.9114% | 1,835 |
| Net loans and leases to total assets | 60.9618% | 3,607 |
| Net loans and leases to deposits | 68.8956% | 3,848 |
| Net loans and leases to core deposits | 72.7953% | 3,887 |
| Total domestic deposits to total assets | 88.4843% | 1,097 |
| Equity capital to assets | 11.4556% | 2,436 |
| Core capital (leverage) ratio | 11.1875% | 2,400 |
| Tier 1 risk-based capital ratio | 18.3967% | 1,688 |
| Total risk-based capital ratio | 19.6594% | 1,628 |
| Memoranda: | ||
| Average total assets | $10,674,000 | 5,353 |
| Average earning assets | $10,226,500 | 5,340 |
| Average equity | $1,336,000 | 5,348 |
| Average total loans | $6,283,000 | 5,301 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 2,734 |
| Cost of funding earning assets | 0.2026% | 4,989 |
| Net interest margin | 4.2061% | 1,376 |
| Noninterest income to average assets | 2.4395% | 204 |
| Noninterest expense to average assets | 6.8150% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.0783% | 5,256 |
| Return on assets (ROA) | -0.0783% | 5,252 |
| Pretax return on assets | -0.4252% | 5,305 |
| Return on Equity (ROE) | -0.5644% | 5,249 |
| Retained earnings to average equity (ytd only) | -0.5644% | 5,047 |
| Net charge-offs to loans | -0.2669% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6550% | 100 |
| Assets per employee ($millions) | 1.9406% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5545% | 218 |
| 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 | 53.4680% | 4,318 |
| Net loans and leases to deposits | 62.0797% | 4,370 |
| Net loans and leases to core deposits | 62.0797% | 4,535 |
| Total domestic deposits to total assets | 86.1280% | 2,166 |
| Equity capital to assets | 13.7895% | 1,034 |
| Core capital (leverage) ratio | 12.4825% | 1,464 |
| Tier 1 risk-based capital ratio | 24.0100% | 828 |
| Total risk-based capital ratio | 25.2787% | 806 |
| Memoranda: | ||
| Average total assets | $8,936,200 | 5,404 |
| Average earning assets | $8,392,600 | 5,390 |
| Average equity | $1,240,200 | 5,391 |
| Average total loans | $4,495,800 | 5,359 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,892 |
| Cost of funding earning assets | 0.1623% | 5,178 |
| Net interest margin | 4.1570% | 1,477 |
| Noninterest income to average assets | 2.6835% | 189 |
| Noninterest expense to average assets | 7.0747% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0152% | 5,305 |
| Return on assets (ROA) | -0.0152% | 5,300 |
| Pretax return on assets | -0.4878% | 5,380 |
| Return on Equity (ROE) | -0.1094% | 5,299 |
| Retained earnings to average equity (ytd only) | -0.1094% | 5,051 |
| Net charge-offs to loans | -0.1865% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4074% | 98 |
| Assets per employee ($millions) | 1.6523% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0812% | 127 |
| 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 | 48.8602% | 4,672 |
| Net loans and leases to deposits | 56.5293% | 4,721 |
| Net loans and leases to core deposits | 56.5293% | 4,832 |
| Total domestic deposits to total assets | 86.4333% | 1,999 |
| Equity capital to assets | 13.5263% | 1,125 |
| Core capital (leverage) ratio | 13.3459% | 1,157 |
| Tier 1 risk-based capital ratio | 27.1353% | 618 |
| Total risk-based capital ratio | 28.4132% | 608 |
| Memoranda: | ||
| Average total assets | $8,744,500 | 5,475 |
| Average earning assets | $8,210,750 | 5,461 |
| Average equity | $1,215,750 | 5,464 |
| Average total loans | $4,288,750 | 5,433 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 2,531 |
| Cost of funding earning assets | 0.1531% | 5,231 |
| Net interest margin | 4.2097% | 1,265 |
| Noninterest income to average assets | 3.0163% | 161 |
| Noninterest expense to average assets | 7.5886% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1197% | 5,279 |
| Return on assets (ROA) | 0.1197% | 5,272 |
| Pretax return on assets | -0.6224% | 5,443 |
| Return on Equity (ROE) | 0.8518% | 5,285 |
| Retained earnings to average equity (ytd only) | 0.8518% | 4,792 |
| Net charge-offs to loans | -0.0494% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9347% | 102 |
| Assets per employee ($millions) | 1.3560% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5116% | 244 |
| Loan loss allowance to noncurrent loans | 61.8812% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1281% | 481 |
| Noncurrent loans to loans | 4.0587% | 215 |
| Net loans and leases to total assets | 51.1167% | 4,537 |
| Net loans and leases to deposits | 59.6142% | 4,553 |
| Net loans and leases to core deposits | 59.6142% | 4,722 |
| Total domestic deposits to total assets | 85.7459% | 2,395 |
| Equity capital to assets | 14.2330% | 874 |
| Core capital (leverage) ratio | 14.1877% | 856 |
| Tier 1 risk-based capital ratio | 25.5684% | 697 |
| Total risk-based capital ratio | 26.8249% | 679 |
| Memoranda: | ||
| Average total assets | $8,354,670 | 5,539 |
| Average earning assets | $7,839,000 | 5,526 |
| Average equity | $1,174,000 | 5,530 |
| Average total loans | $4,052,330 | 5,499 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 1,709 |
| Cost of funding earning assets | 0.1084% | 5,440 |
| Net interest margin | 4.4435% | 694 |
| Noninterest income to average assets | 0.9761% | 963 |
| Noninterest expense to average assets | 7.3465% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5651% | 5,507 |
| Return on assets (ROA) | -0.5651% | 5,505 |
| Pretax return on assets | -2.1577% | 5,568 |
| Return on Equity (ROE) | -4.0534% | 5,487 |
| Retained earnings to average equity (ytd only) | -4.0534% | 5,145 |
| Net charge-offs to loans | -0.3343% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.5842% | 38 |
| Assets per employee ($millions) | 1.7232% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4990% | 90 |
| Loan loss allowance to noncurrent loans | 106.7797% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.3695% | 1,070 |
| Noncurrent loans to loans | 3.2769% | 335 |
| Net loans and leases to total assets | 40.3319% | 5,057 |
| Net loans and leases to deposits | 47.7401% | 5,046 |
| Net loans and leases to core deposits | 47.7401% | 5,109 |
| Total domestic deposits to total assets | 84.4824% | 3,125 |
| Equity capital to assets | 15.4944% | 569 |
| Core capital (leverage) ratio | 16.2269% | 460 |
| Tier 1 risk-based capital ratio | 31.3769% | 426 |
| Total risk-based capital ratio | 32.6399% | 415 |
| Memoranda: | ||
| Average total assets | $7,786,000 | 5,608 |
| Average earning assets | $7,381,500 | 5,593 |
| Average equity | $1,085,500 | 5,596 |
| Average total loans | $3,590,000 | 5,564 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,971 |
| Cost of funding earning assets | 0.0949% | 5,514 |
| Net interest margin | 3.7280% | 2,681 |
| Noninterest income to average assets | -0.0127% | 5,630 |
| Noninterest expense to average assets | 5.0782% | 211 |
| Loan and lease loss provision to assets | 0.9522% | 105 |
| Net operating income to assets | -2.6914% | 5,647 |
| Return on assets (ROA) | -2.6914% | 5,647 |
| Pretax return on assets | -2.5518% | 5,647 |
| Return on Equity (ROE) | -22.4196% | 5,647 |
| Retained earnings to average equity (ytd only) | -22.4196% | 5,626 |
| Net charge-offs to loans | 0.6846% | 317 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | -5.0400% | 4,071 |
| Efficiency ratio | 145.9854% | 28 |
| Assets per employee ($millions) | 2.3187% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5065% | 45 |
| Loan loss allowance to noncurrent loans | 346.8085% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 2,291 |
| Noncurrent loans to loans | 1.2994% | 1,345 |
| Net loans and leases to total assets | 49.6550% | 4,671 |
| Net loans and leases to deposits | 56.5673% | 4,768 |
| Net loans and leases to core deposits | 56.5673% | 4,911 |
| Total domestic deposits to total assets | 87.7803% | 1,612 |
| Equity capital to assets | 12.0184% | 1,825 |
| Core capital (leverage) ratio | 10.1505% | 3,243 |
| Tier 1 risk-based capital ratio | 18.9840% | 1,506 |
| Total risk-based capital ratio | 20.2719% | 1,464 |
| Memoranda: | ||
| Average total assets | $7,876,800 | 5,671 |
| Average earning assets | $7,376,600 | 5,658 |
| Average equity | $945,600 | 5,663 |
| Average total loans | $3,652,000 | 5,632 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 3,898 |
| Cost of funding earning assets | 0.1054% | 5,539 |
| Net interest margin | 3.7255% | 2,675 |
| Noninterest income to average assets | 0.5263% | 2,858 |
| Noninterest expense to average assets | 4.9175% | 230 |
| Loan and lease loss provision to assets | 0.8224% | 129 |
| Net operating income to assets | -1.9077% | 5,710 |
| Return on assets (ROA) | -1.9077% | 5,709 |
| Pretax return on assets | -1.7268% | 5,702 |
| Return on Equity (ROE) | -15.8952% | 5,701 |
| Retained earnings to average equity (ytd only) | -15.8952% | 5,665 |
| Net charge-offs to loans | 0.5463% | 369 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | -3.6665% | 3,746 |
| Efficiency ratio | 122.5410% | 57 |
| Assets per employee ($millions) | 2.6020% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0022% | 65 |
| Loan loss allowance to noncurrent loans | 296.0000% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 2,583 |
| Noncurrent loans to loans | 1.3521% | 1,398 |
| Net loans and leases to total assets | 45.4778% | 4,964 |
| Net loans and leases to deposits | 54.7080% | 4,934 |
| Net loans and leases to core deposits | 54.7080% | 5,052 |
| Total domestic deposits to total assets | 83.1284% | 3,419 |
| Equity capital to assets | 11.7602% | 2,146 |
| Core capital (leverage) ratio | 10.7563% | 2,698 |
| Tier 1 risk-based capital ratio | 21.4944% | 1,118 |
| Total risk-based capital ratio | 22.7802% | 1,091 |
| Memoranda: | ||
| Average total assets | $8,107,000 | 5,735 |
| Average earning assets | $7,587,250 | 5,722 |
| Average equity | $973,000 | 5,730 |
| Average total loans | $3,660,750 | 5,694 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 3,986 |
| Cost of funding earning assets | 0.1041% | 5,589 |
| Net interest margin | 3.6692% | 2,756 |
| Noninterest income to average assets | 0.4143% | 3,604 |
| Noninterest expense to average assets | 5.1174% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.5352% | 5,753 |
| Return on assets (ROA) | -1.5352% | 5,753 |
| Pretax return on assets | -1.2672% | 5,729 |
| Return on Equity (ROE) | -12.7102% | 5,732 |
| Retained earnings to average equity (ytd only) | -12.7102% | 5,683 |
| Net charge-offs to loans | 0.4934% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -5.7778% | 3,468 |
| Efficiency ratio | 132.9114% | 45 |
| Assets per employee ($millions) | 2.6700% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6709% | 79 |
| Loan loss allowance to noncurrent loans | 486.2069% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 3,669 |
| Noncurrent loans to loans | 0.7550% | 2,504 |
| Net loans and leases to total assets | 46.1923% | 4,945 |
| Net loans and leases to deposits | 52.6241% | 5,032 |
| Net loans and leases to core deposits | 52.6241% | 5,127 |
| Total domestic deposits to total assets | 87.7778% | 1,580 |
| Equity capital to assets | 12.2097% | 1,779 |
| Core capital (leverage) ratio | 11.1467% | 2,277 |
| Tier 1 risk-based capital ratio | 21.8808% | 1,064 |
| Total risk-based capital ratio | 23.1611% | 1,042 |
| Memoranda: | ||
| Average total assets | $8,207,330 | 5,785 |
| Average earning assets | $7,685,670 | 5,771 |
| Average equity | $991,330 | 5,779 |
| Average total loans | $3,648,330 | 5,744 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 4,134 |
| Cost of funding earning assets | 0.1040% | 5,637 |
| Net interest margin | 3.5886% | 2,929 |
| Noninterest income to average assets | 0.9150% | 1,197 |
| Noninterest expense to average assets | 5.5863% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.3484% | 5,795 |
| Return on assets (ROA) | -1.3484% | 5,797 |
| Pretax return on assets | -1.3484% | 5,792 |
| Return on Equity (ROE) | -11.2224% | 5,786 |
| Retained earnings to average equity (ytd only) | -11.2224% | 5,605 |
| Net charge-offs to loans | 0.9009% | 186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 2,900 |
| Efficiency ratio | 131.8182% | 47 |
| Assets per employee ($millions) | 2.1035% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2241% | 70 |
| Loan loss allowance to noncurrent loans | 334.0909% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 3,143 |
| Noncurrent loans to loans | 1.2644% | 1,594 |
| Net loans and leases to total assets | 39.6126% | 5,259 |
| Net loans and leases to deposits | 44.9434% | 5,332 |
| Net loans and leases to core deposits | 44.9434% | 5,388 |
| Total domestic deposits to total assets | 88.1388% | 1,636 |
| Equity capital to assets | 11.8374% | 1,952 |
| Core capital (leverage) ratio | 11.0448% | 2,315 |
| Tier 1 risk-based capital ratio | 23.6609% | 900 |
| Total risk-based capital ratio | 24.9386% | 880 |
| Memoranda: | ||
| Average total assets | $8,306,000 | 5,852 |
| Average earning assets | $7,691,000 | 5,839 |
| Average equity | $998,000 | 5,847 |
| Average total loans | $3,552,000 | 5,814 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 4,884 |
| Cost of funding earning assets | 0.1090% | 5,661 |
| Net interest margin | 3.3428% | 4,022 |
| Noninterest income to average assets | 1.2186% | 770 |
| Noninterest expense to average assets | 4.0659% | 549 |
| Loan and lease loss provision to assets | -0.0683% | 5,627 |
| Net operating income to assets | 0.3986% | 4,947 |
| Return on assets (ROA) | 0.3986% | 5,028 |
| Pretax return on assets | 0.3644% | 5,275 |
| Return on Equity (ROE) | 3.4784% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.4784% | 3,449 |
| Net charge-offs to loans | 0.7792% | 265 |
| Credit loss provision to net charge-offs | -22.2222% | 4,772 |
| Earnings coverage of net charge-offs (x) | 0.9630% | 4,060 |
| Efficiency ratio | 93.2115% | 415 |
| Assets per employee ($millions) | 2.0495% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2770% | 65 |
| Loan loss allowance to noncurrent loans | 316.3265% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,937 |
| Noncurrent loans to loans | 1.3521% | 1,521 |
| Net loans and leases to total assets | 42.3152% | 5,221 |
| Net loans and leases to deposits | 48.2073% | 5,286 |
| Net loans and leases to core deposits | 48.2073% | 5,362 |
| Total domestic deposits to total assets | 87.7775% | 1,756 |
| Equity capital to assets | 12.1981% | 1,686 |
| Core capital (leverage) ratio | 11.1914% | 2,175 |
| Tier 1 risk-based capital ratio | 24.0592% | 861 |
| Total risk-based capital ratio | 25.3460% | 835 |
| Memoranda: | ||
| Average total assets | $8,780,400 | 5,908 |
| Average earning assets | $8,256,600 | 5,894 |
| Average equity | $1,006,200 | 5,906 |
| Average total loans | $3,465,000 | 5,872 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 5,057 |
| Cost of funding earning assets | 0.0954% | 5,790 |
| Net interest margin | 3.2896% | 4,220 |
| Noninterest income to average assets | 1.0605% | 1,014 |
| Noninterest expense to average assets | 4.4663% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2689% | 5,814 |
| Return on assets (ROA) | -0.2689% | 5,822 |
| Pretax return on assets | -0.3137% | 5,819 |
| Return on Equity (ROE) | -2.3815% | 5,821 |
| Retained earnings to average equity (ytd only) | -2.3815% | 5,621 |
| Net charge-offs to loans | 1.1290% | 144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.7241% | 3,847 |
| Efficiency ratio | 107.5540% | 139 |
| Assets per employee ($millions) | 2.0825% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5004% | 58 |
| Loan loss allowance to noncurrent loans | 265.0000% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 2,427 |
| Noncurrent loans to loans | 1.6983% | 1,236 |
| Net loans and leases to total assets | 40.5042% | 5,354 |
| Net loans and leases to deposits | 46.7184% | 5,426 |
| Net loans and leases to core deposits | 46.7184% | 5,485 |
| Total domestic deposits to total assets | 86.6987% | 2,032 |
| Equity capital to assets | 12.4610% | 1,803 |
| Core capital (leverage) ratio | 10.4390% | 3,057 |
| Tier 1 risk-based capital ratio | 23.3029% | 968 |
| Total risk-based capital ratio | 24.5865% | 948 |
| Memoranda: | ||
| Average total assets | $8,926,000 | 5,974 |
| Average earning assets | $8,389,750 | 5,960 |
| Average equity | $1,007,750 | 5,973 |
| Average total loans | $3,425,250 | 5,938 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 5,315 |
| Cost of funding earning assets | 0.0926% | 5,883 |
| Net interest margin | 3.1931% | 4,562 |
| Noninterest income to average assets | 0.7891% | 1,762 |
| Noninterest expense to average assets | 4.4495% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.5699% | 5,932 |
| Return on assets (ROA) | -0.5699% | 5,934 |
| Pretax return on assets | -0.6356% | 5,936 |
| Return on Equity (ROE) | -5.2121% | 5,931 |
| Retained earnings to average equity (ytd only) | -5.2121% | 5,752 |
| Net charge-offs to loans | 1.6522% | 83 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.0357% | 3,587 |
| Efficiency ratio | 116.6667% | 103 |
| Assets per employee ($millions) | 2.2173% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6074% | 52 |
| Loan loss allowance to noncurrent loans | 795.0000% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 4,093 |
| Noncurrent loans to loans | 0.5795% | 3,326 |
| Net loans and leases to total assets | 37.1181% | 5,553 |
| Net loans and leases to deposits | 41.9523% | 5,620 |
| Net loans and leases to core deposits | 41.9523% | 5,684 |
| Total domestic deposits to total assets | 88.4767% | 1,181 |
| Equity capital to assets | 11.5120% | 2,537 |
| Core capital (leverage) ratio | 10.3799% | 3,101 |
| Tier 1 risk-based capital ratio | 24.9301% | 815 |
| Total risk-based capital ratio | 26.2262% | 799 |
| Memoranda: | ||
| Average total assets | $9,124,670 | 6,052 |
| Average earning assets | $8,643,670 | 6,038 |
| Average equity | $997,670 | 6,050 |
| Average total loans | $3,389,330 | 6,014 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 4,965 |
| Cost of funding earning assets | 0.0901% | 5,953 |
| Net interest margin | 3.3772% | 3,953 |
| Noninterest income to average assets | 0.7782% | 1,701 |
| Noninterest expense to average assets | 4.1070% | 545 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0432% | 5,753 |
| Return on assets (ROA) | 0.0432% | 5,786 |
| Pretax return on assets | -0.0865% | 5,856 |
| Return on Equity (ROE) | 0.4057% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.4057% | 5,017 |
| Net charge-offs to loans | -0.1191% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1505% | 239 |
| Assets per employee ($millions) | 2.3768% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2426% | 46 |
| Loan loss allowance to noncurrent loans | 174.0741% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 1,944 |
| Noncurrent loans to loans | 3.0117% | 540 |
| Net loans and leases to total assets | 35.7421% | 5,650 |
| Net loans and leases to deposits | 40.0566% | 5,715 |
| Net loans and leases to core deposits | 40.0566% | 5,767 |
| Total domestic deposits to total assets | 89.2290% | 981 |
| Equity capital to assets | 10.6658% | 3,296 |
| Core capital (leverage) ratio | 10.1072% | 3,416 |
| Tier 1 risk-based capital ratio | 26.5311% | 698 |
| Total risk-based capital ratio | 27.8342% | 686 |
| Memoranda: | ||
| Average total assets | $9,252,500 | 6,116 |
| Average earning assets | $8,883,000 | 6,100 |
| Average equity | $986,000 | 6,113 |
| Average total loans | $3,358,500 | 6,078 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 5,464 |
| Cost of funding earning assets | 0.1218% | 5,872 |
| Net interest margin | 3.1122% | 4,874 |
| Noninterest income to average assets | 0.5738% | 2,869 |
| Noninterest expense to average assets | 3.8997% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3932% | 6,016 |
| Return on assets (ROA) | -0.3932% | 6,029 |
| Pretax return on assets | -0.3400% | 5,994 |
| Return on Equity (ROE) | -3.8231% | 6,026 |
| Retained earnings to average equity (ytd only) | -3.8231% | 5,862 |
| Net charge-offs to loans | -0.2273% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5522% | 146 |
| Assets per employee ($millions) | 2.2500% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0045% | 34 |
| Loan loss allowance to noncurrent loans | 303.2258% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 2,981 |
| Noncurrent loans to loans | 1.9802% | 1,059 |
| Net loans and leases to total assets | 32.7000% | 5,817 |
| Net loans and leases to deposits | 36.6455% | 5,873 |
| Net loans and leases to core deposits | 36.6455% | 5,908 |
| Total domestic deposits to total assets | 89.2333% | 1,007 |
| Equity capital to assets | 10.6000% | 3,251 |
| Core capital (leverage) ratio | 10.3791% | 3,074 |
| Tier 1 risk-based capital ratio | 28.6449% | 573 |
| Total risk-based capital ratio | 29.9600% | 554 |
| Memoranda: | ||
| Average total assets | $9,411,000 | 6,176 |
| Average earning assets | $9,029,000 | 6,161 |
| Average equity | $967,800 | 6,174 |
| Average total loans | $3,079,000 | 6,138 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1107% | 5,696 |
| Cost of funding earning assets | 0.1314% | 5,908 |
| Net interest margin | 2.9792% | 5,249 |
| Noninterest income to average assets | 0.5466% | 3,069 |
| Noninterest expense to average assets | 3.7979% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4765% | 6,134 |
| Return on assets (ROA) | -0.4765% | 6,138 |
| Pretax return on assets | -0.3924% | 6,112 |
| Return on Equity (ROE) | -4.6672% | 6,132 |
| Retained earnings to average equity (ytd only) | -4.6672% | 6,015 |
| Net charge-offs to loans | -0.2175% | 6,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5226% | 138 |
| Assets per employee ($millions) | 2.2885% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7692% | 41 |
| Loan loss allowance to noncurrent loans | 620.0000% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 4,455 |
| Noncurrent loans to loans | 0.9305% | 2,649 |
| Net loans and leases to total assets | 33.1877% | 5,891 |
| Net loans and leases to deposits | 38.8889% | 5,903 |
| Net loans and leases to core deposits | 38.8889% | 5,947 |
| Total domestic deposits to total assets | 85.3397% | 2,855 |
| Equity capital to assets | 10.8914% | 3,138 |
| Core capital (leverage) ratio | 10.2357% | 3,324 |
| Tier 1 risk-based capital ratio | 28.8965% | 576 |
| Total risk-based capital ratio | 30.2048% | 565 |
| Memoranda: | ||
| Average total assets | $9,513,750 | 6,262 |
| Average earning assets | $9,129,500 | 6,244 |
| Average equity | $971,250 | 6,261 |
| Average total loans | $3,066,000 | 6,221 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1724% | 5,662 |
| Cost of funding earning assets | 0.1304% | 5,985 |
| Net interest margin | 3.0420% | 5,109 |
| Noninterest income to average assets | 0.5190% | 3,233 |
| Noninterest expense to average assets | 3.8822% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5813% | 6,204 |
| Return on assets (ROA) | -0.5813% | 6,213 |
| Pretax return on assets | -0.4567% | 6,179 |
| Return on Equity (ROE) | -5.8172% | 6,206 |
| Retained earnings to average equity (ytd only) | -5.8172% | 6,055 |
| Net charge-offs to loans | -0.1991% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3333% | 144 |
| Assets per employee ($millions) | 2.3485% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0221% | 37 |
| Loan loss allowance to noncurrent loans | 528.5714% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 4,404 |
| Noncurrent loans to loans | 1.1393% | 2,373 |
| Net loans and leases to total assets | 30.7324% | 6,018 |
| Net loans and leases to deposits | 34.2143% | 6,075 |
| Net loans and leases to core deposits | 34.2143% | 6,103 |
| Total domestic deposits to total assets | 89.8233% | 738 |
| Equity capital to assets | 9.9851% | 4,058 |
| Core capital (leverage) ratio | 9.8804% | 3,766 |
| Tier 1 risk-based capital ratio | 30.1887% | 536 |
| Total risk-based capital ratio | 31.4858% | 521 |
| Memoranda: | ||
| Average total assets | $9,633,670 | 6,338 |
| Average earning assets | $9,204,330 | 6,320 |
| Average equity | $962,670 | 6,337 |
| Average total loans | $3,013,330 | 6,298 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 5,812 |
| Cost of funding earning assets | 0.1282% | 6,075 |
| Net interest margin | 2.9475% | 5,351 |
| Noninterest income to average assets | 0.5331% | 3,066 |
| Noninterest expense to average assets | 3.6910% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5742% | 6,261 |
| Return on assets (ROA) | -0.5742% | 6,272 |
| Pretax return on assets | -0.3281% | 6,196 |
| Return on Equity (ROE) | -5.7436% | 6,273 |
| Retained earnings to average equity (ytd only) | -5.7436% | 5,979 |
| Net charge-offs to loans | -0.2681% | 6,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7561% | 196 |
| Assets per employee ($millions) | 2.5413% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1471% | 37 |
| Loan loss allowance to noncurrent loans | 415.9091% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 4,305 |
| Noncurrent loans to loans | 1.4780% | 1,915 |
| Net loans and leases to total assets | 27.4865% | 6,154 |
| Net loans and leases to deposits | 30.5355% | 6,188 |
| Net loans and leases to core deposits | 30.5355% | 6,209 |
| Total domestic deposits to total assets | 90.0148% | 739 |
| Equity capital to assets | 9.9656% | 4,188 |
| Core capital (leverage) ratio | 9.3360% | 4,514 |
| Tier 1 risk-based capital ratio | 28.4308% | 629 |
| Total risk-based capital ratio | 29.7525% | 608 |
| Memoranda: | ||
| Average total assets | $9,753,500 | 6,406 |
| Average earning assets | $9,364,000 | 6,389 |
| Average equity | $975,000 | 6,406 |
| Average total loans | $2,984,000 | 6,370 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2165% | 5,813 |
| Cost of funding earning assets | 0.1823% | 5,895 |
| Net interest margin | 3.0343% | 5,365 |
| Noninterest income to average assets | 0.7000% | 2,301 |
| Noninterest expense to average assets | 3.5822% | 1,338 |
| Loan and lease loss provision to assets | -0.1132% | 6,170 |
| Net operating income to assets | 0.0926% | 5,962 |
| Return on assets (ROA) | 0.0926% | 5,992 |
| Pretax return on assets | 0.1441% | 5,947 |
| Return on Equity (ROE) | 1.0851% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.0851% | 5,284 |
| Net charge-offs to loans | -0.2546% | 6,305 |
| Credit loss provision to net charge-offs | 137.5000% | 1,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1453% | 385 |
| Assets per employee ($millions) | 2.3355% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0515% | 38 |
| Loan loss allowance to noncurrent loans | 861.9048% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 5,125 |
| Noncurrent loans to loans | 0.7021% | 3,574 |
| Net loans and leases to total assets | 30.0792% | 6,177 |
| Net loans and leases to deposits | 33.5002% | 6,231 |
| Net loans and leases to core deposits | 33.5002% | 6,251 |
| Total domestic deposits to total assets | 89.7881% | 840 |
| Equity capital to assets | 10.0300% | 4,070 |
| Core capital (leverage) ratio | 9.4250% | 4,347 |
| Tier 1 risk-based capital ratio | 32.4062% | 421 |
| Total risk-based capital ratio | 33.7131% | 410 |
| Memoranda: | ||
| Average total assets | $9,714,600 | 6,497 |
| Average earning assets | $9,326,800 | 6,480 |
| Average equity | $829,400 | 6,501 |
| Average total loans | $3,142,200 | 6,460 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2181% | 5,881 |
| Cost of funding earning assets | 0.1835% | 5,968 |
| Net interest margin | 3.0346% | 5,421 |
| Noninterest income to average assets | 0.7069% | 2,293 |
| Noninterest expense to average assets | 3.4530% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1142% | 6,006 |
| Return on assets (ROA) | 0.1496% | 5,979 |
| Pretax return on assets | 0.2311% | 5,902 |
| Return on Equity (ROE) | 1.8280% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.8280% | 5,137 |
| Net charge-offs to loans | -0.2934% | 6,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1311% | 539 |
| Assets per employee ($millions) | 2.3658% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2995% | 43 |
| Loan loss allowance to noncurrent loans | 795.8333% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 5,222 |
| Noncurrent loans to loans | 0.7916% | 3,604 |
| Net loans and leases to total assets | 30.0222% | 6,248 |
| Net loans and leases to deposits | 33.7531% | 6,307 |
| Net loans and leases to core deposits | 33.7531% | 6,328 |
| Total domestic deposits to total assets | 88.9464% | 1,268 |
| Equity capital to assets | 9.2043% | 5,143 |
| Core capital (leverage) ratio | 9.9171% | 3,789 |
| Tier 1 risk-based capital ratio | 25.2174% | 861 |
| Total risk-based capital ratio | 26.5086% | 843 |
| Memoranda: | ||
| Average total assets | $9,807,750 | 6,576 |
| Average earning assets | $9,446,250 | 6,558 |
| Average equity | $802,500 | 6,580 |
| Average total loans | $3,180,000 | 6,539 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 5,999 |
| Cost of funding earning assets | 0.1868% | 6,024 |
| Net interest margin | 2.9674% | 5,594 |
| Noninterest income to average assets | 0.6450% | 2,575 |
| Noninterest expense to average assets | 3.7490% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3225% | 6,382 |
| Return on assets (ROA) | -0.3225% | 6,388 |
| Pretax return on assets | -0.2217% | 6,324 |
| Return on Equity (ROE) | -4.1043% | 6,411 |
| Retained earnings to average equity (ytd only) | -4.1043% | 6,181 |
| Net charge-offs to loans | -0.2477% | 6,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2857% | 291 |
| Assets per employee ($millions) | 2.4405% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2292% | 46 |
| Loan loss allowance to noncurrent loans | 1,168.7500% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 5,659 |
| Noncurrent loans to loans | 0.5330% | 4,412 |
| Net loans and leases to total assets | 28.8363% | 6,339 |
| Net loans and leases to deposits | 32.1310% | 6,384 |
| Net loans and leases to core deposits | 32.1310% | 6,408 |
| Total domestic deposits to total assets | 89.7460% | 938 |
| Equity capital to assets | 8.6663% | 5,645 |
| Core capital (leverage) ratio | 9.2796% | 4,624 |
| Tier 1 risk-based capital ratio | 24.3583% | 946 |
| Total risk-based capital ratio | 25.6417% | 920 |
| Memoranda: | ||
| Average total assets | $9,922,670 | 6,642 |
| Average earning assets | $9,638,000 | 6,625 |
| Average equity | $779,670 | 6,647 |
| Average total loans | $3,229,330 | 6,604 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1232% | 6,091 |
| Cost of funding earning assets | 0.1644% | 6,270 |
| Net interest margin | 2.9589% | 5,633 |
| Noninterest income to average assets | 0.6798% | 2,288 |
| Noninterest expense to average assets | 4.0388% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7198% | 6,527 |
| Return on assets (ROA) | -0.7198% | 6,526 |
| Pretax return on assets | -0.4799% | 6,450 |
| Return on Equity (ROE) | -9.6450% | 6,558 |
| Retained earnings to average equity (ytd only) | -9.6450% | 6,347 |
| Net charge-offs to loans | -0.2393% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4831% | 232 |
| Assets per employee ($millions) | 2.5748% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6638% | 65 |
| Loan loss allowance to noncurrent loans | 808.6957% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 5,537 |
| Noncurrent loans to loans | 0.7004% | 4,115 |
| Net loans and leases to total assets | 30.0806% | 6,349 |
| Net loans and leases to deposits | 32.5318% | 6,416 |
| Net loans and leases to core deposits | 32.5318% | 6,451 |
| Total domestic deposits to total assets | 92.4653% | 171 |
| Equity capital to assets | 7.5056% | 6,313 |
| Core capital (leverage) ratio | 8.8620% | 5,188 |
| Tier 1 risk-based capital ratio | 20.6453% | 1,549 |
| Total risk-based capital ratio | 21.9314% | 1,511 |
| Memoranda: | ||
| Average total assets | $10,003,000 | 6,715 |
| Average earning assets | $9,733,500 | 6,694 |
| Average equity | $746,500 | 6,719 |
| Average total loans | $3,343,000 | 6,675 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 6,136 |
| Cost of funding earning assets | 0.2301% | 6,103 |
| Net interest margin | 2.9614% | 5,660 |
| Noninterest income to average assets | 0.6084% | 3,036 |
| Noninterest expense to average assets | 3.3272% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0567% | 6,119 |
| Return on assets (ROA) | 0.1236% | 6,053 |
| Pretax return on assets | 0.1996% | 5,934 |
| Return on Equity (ROE) | 1.4470% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.4470% | 5,169 |
| Net charge-offs to loans | -0.3082% | 6,677 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2222% | 578 |
| Assets per employee ($millions) | 2.4268% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4086% | 74 |
| Loan loss allowance to noncurrent loans | 800.0000% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 5,567 |
| Noncurrent loans to loans | 0.6761% | 4,284 |
| Net loans and leases to total assets | 33.1513% | 6,328 |
| Net loans and leases to deposits | 35.8791% | 6,428 |
| Net loans and leases to core deposits | 35.8791% | 6,475 |
| Total domestic deposits to total assets | 92.3972% | 219 |
| Equity capital to assets | 7.4173% | 6,321 |
| Core capital (leverage) ratio | 9.1473% | 4,786 |
| Tier 1 risk-based capital ratio | 21.8273% | 1,287 |
| Total risk-based capital ratio | 23.1155% | 1,256 |
| Memoranda: | ||
| Average total assets | $10,519,200 | 6,792 |
| Average earning assets | $9,995,400 | 6,776 |
| Average equity | $898,400 | 6,801 |
| Average total loans | $3,569,600 | 6,758 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 6,218 |
| Cost of funding earning assets | 0.2500% | 6,085 |
| Net interest margin | 2.9343% | 5,730 |
| Noninterest income to average assets | 0.5720% | 3,318 |
| Noninterest expense to average assets | 3.3450% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0547% | 6,340 |
| Return on assets (ROA) | 0.0249% | 6,321 |
| Pretax return on assets | 0.1244% | 6,186 |
| Return on Equity (ROE) | 0.2831% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.2831% | 5,855 |
| Net charge-offs to loans | -0.2954% | 6,722 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 465 |
| Assets per employee ($millions) | 2.5388% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3408% | 86 |
| Loan loss allowance to noncurrent loans | 583.8710% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 5,506 |
| Noncurrent loans to loans | 0.9147% | 3,986 |
| Net loans and leases to total assets | 31.5903% | 6,474 |
| Net loans and leases to deposits | 35.4162% | 6,530 |
| Net loans and leases to core deposits | 35.4162% | 6,579 |
| Total domestic deposits to total assets | 89.1974% | 1,457 |
| Equity capital to assets | 7.7597% | 6,276 |
| Core capital (leverage) ratio | 8.0914% | 6,160 |
| Tier 1 risk-based capital ratio | 18.7781% | 2,053 |
| Total risk-based capital ratio | 20.0584% | 2,010 |
| Memoranda: | ||
| Average total assets | $10,722,250 | 6,871 |
| Average earning assets | $10,133,000 | 6,854 |
| Average equity | $943,000 | 6,879 |
| Average total loans | $3,611,500 | 6,832 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9626% | 6,481 |
| Cost of funding earning assets | 0.2711% | 6,043 |
| Net interest margin | 2.6915% | 6,191 |
| Noninterest income to average assets | 0.7332% | 2,486 |
| Noninterest expense to average assets | 3.2810% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1466% | 6,450 |
| Return on assets (ROA) | -0.1466% | 6,492 |
| Pretax return on assets | 0.0000% | 6,353 |
| Return on Equity (ROE) | -1.6086% | 6,503 |
| Retained earnings to average equity (ytd only) | -1.6086% | 6,143 |
| Net charge-offs to loans | -0.2171% | 6,687 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 483 |
| Assets per employee ($millions) | 2.6413% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9098% | 122 |
| Loan loss allowance to noncurrent loans | 136.1538% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 3,290 |
| Noncurrent loans to loans | 3.6061% | 1,151 |
| Net loans and leases to total assets | 32.4468% | 6,488 |
| Net loans and leases to deposits | 35.4132% | 6,573 |
| Net loans and leases to core deposits | 35.4132% | 6,617 |
| Total domestic deposits to total assets | 91.6233% | 335 |
| Equity capital to assets | 8.3483% | 5,926 |
| Core capital (leverage) ratio | 8.4300% | 5,741 |
| Tier 1 risk-based capital ratio | 19.0466% | 1,984 |
| Total risk-based capital ratio | 20.3250% | 1,935 |
| Memoranda: | ||
| Average total assets | $10,911,330 | 6,918 |
| Average earning assets | $10,328,670 | 6,903 |
| Average equity | $994,670 | 6,925 |
| Average total loans | $3,685,670 | 6,878 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9010% | 6,608 |
| Cost of funding earning assets | 0.3435% | 5,609 |
| Net interest margin | 2.5575% | 6,432 |
| Noninterest income to average assets | 0.5774% | 3,261 |
| Noninterest expense to average assets | 3.4282% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7217% | 6,744 |
| Return on assets (ROA) | -0.3609% | 6,640 |
| Pretax return on assets | -0.0722% | 6,460 |
| Return on Equity (ROE) | -3.8059% | 6,642 |
| Retained earnings to average equity (ytd only) | -3.8059% | 6,260 |
| Net charge-offs to loans | -0.3221% | 6,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4578% | 269 |
| Assets per employee ($millions) | 2.7415% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8325% | 150 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.3040% | 3,360 |
| Noncurrent loans to loans | 3.9264% | 1,162 |
| Net loans and leases to total assets | 31.6068% | 6,534 |
| Net loans and leases to deposits | 34.9254% | 6,603 |
| Net loans and leases to core deposits | 34.9254% | 6,653 |
| Total domestic deposits to total assets | 90.4979% | 768 |
| Equity capital to assets | 9.4747% | 4,885 |
| Core capital (leverage) ratio | 8.9402% | 4,984 |
| Tier 1 risk-based capital ratio | 20.4691% | 1,658 |
| Total risk-based capital ratio | 21.7484% | 1,623 |
| Memoranda: | ||
| Average total assets | $11,084,500 | 6,995 |
| Average earning assets | $10,479,000 | 6,979 |
| Average equity | $1,051,000 | 6,992 |
| Average total loans | $3,726,000 | 6,955 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 6,654 |
| Cost of funding earning assets | 0.2496% | 6,673 |
| Net interest margin | 2.9650% | 6,108 |
| Noninterest income to average assets | 0.6222% | 3,153 |
| Noninterest expense to average assets | 3.2994% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1097% | 5,996 |
| Return on assets (ROA) | 0.3111% | 5,633 |
| Pretax return on assets | 0.3488% | 5,720 |
| Return on Equity (ROE) | 3.1156% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.6435% | 4,372 |
| Net charge-offs to loans | 0.6107% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.5417% | 5,215 |
| Efficiency ratio | 96.4187% | 692 |
| Assets per employee ($millions) | 2.8008% | 6,317 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5407% | 181 |
| Loan loss allowance to noncurrent loans | 139.5161% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 3,799 |
| Noncurrent loans to loans | 3.2546% | 1,580 |
| Net loans and leases to total assets | 32.4645% | 6,605 |
| Net loans and leases to deposits | 35.9814% | 6,680 |
| Net loans and leases to core deposits | 35.9814% | 6,726 |
| Total domestic deposits to total assets | 90.2258% | 834 |
| Equity capital to assets | 9.4885% | 4,892 |
| Core capital (leverage) ratio | 9.5019% | 4,099 |
| Tier 1 risk-based capital ratio | 20.0289% | 1,670 |
| Total risk-based capital ratio | 21.3105% | 1,633 |
| Memoranda: | ||
| Average total assets | $10,608,000 | 7,063 |
| Average earning assets | $10,017,000 | 7,044 |
| Average equity | $1,059,200 | 7,060 |
| Average total loans | $3,930,000 | 7,020 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2714% | 6,747 |
| Cost of funding earning assets | 0.2704% | 6,730 |
| Net interest margin | 3.0010% | 6,169 |
| Noninterest income to average assets | 0.6246% | 3,131 |
| Noninterest expense to average assets | 3.2379% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1963% | 5,928 |
| Return on assets (ROA) | 0.4716% | 5,209 |
| Pretax return on assets | 0.5226% | 5,399 |
| Return on Equity (ROE) | 4.6615% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.6615% | 3,615 |
| Net charge-offs to loans | 1.0101% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5668% | 5,037 |
| Efficiency ratio | 93.7269% | 794 |
| Assets per employee ($millions) | 2.4700% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2225% | 257 |
| Loan loss allowance to noncurrent loans | 106.3694% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 3,215 |
| Noncurrent loans to loans | 3.9697% | 1,300 |
| Net loans and leases to total assets | 38.3401% | 6,400 |
| Net loans and leases to deposits | 43.0993% | 6,549 |
| Net loans and leases to core deposits | 43.0993% | 6,630 |
| Total domestic deposits to total assets | 88.9575% | 1,457 |
| Equity capital to assets | 11.0020% | 3,278 |
| Core capital (leverage) ratio | 9.7563% | 3,865 |
| Tier 1 risk-based capital ratio | 21.1192% | 1,498 |
| Total risk-based capital ratio | 22.4057% | 1,460 |
| Memoranda: | ||
| Average total assets | $10,459,250 | 7,161 |
| Average earning assets | $9,863,000 | 7,143 |
| Average equity | $1,058,250 | 7,157 |
| Average total loans | $3,960,000 | 7,114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 6,787 |
| Cost of funding earning assets | 0.2815% | 6,793 |
| Net interest margin | 3.0562% | 6,114 |
| Noninterest income to average assets | 0.6008% | 3,259 |
| Noninterest expense to average assets | 3.1542% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2801% | 5,672 |
| Return on assets (ROA) | 0.6947% | 4,160 |
| Pretax return on assets | 0.7510% | 4,647 |
| Return on Equity (ROE) | 7.0566% | 3,749 |
| Retained earnings to average equity (ytd only) | 7.0566% | 2,071 |
| Net charge-offs to loans | 1.6155% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,821 |
| Efficiency ratio | 91.3043% | 972 |
| Assets per employee ($millions) | 2.8243% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1426% | 317 |
| Loan loss allowance to noncurrent loans | 63.4615% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.3015% | 2,432 |
| Noncurrent loans to loans | 6.5277% | 643 |
| Net loans and leases to total assets | 33.7966% | 6,734 |
| Net loans and leases to deposits | 41.3114% | 6,686 |
| Net loans and leases to core deposits | 41.3114% | 6,762 |
| Total domestic deposits to total assets | 81.8093% | 5,201 |
| Equity capital to assets | 9.6043% | 4,909 |
| Core capital (leverage) ratio | 9.6069% | 3,988 |
| Tier 1 risk-based capital ratio | 19.5864% | 1,822 |
| Total risk-based capital ratio | 20.8590% | 1,783 |
| Memoranda: | ||
| Average total assets | $10,652,330 | 7,222 |
| Average earning assets | $9,947,000 | 7,202 |
| Average equity | $1,048,670 | 7,214 |
| Average total loans | $3,961,670 | 7,174 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 6,872 |
| Cost of funding earning assets | 0.3253% | 6,749 |
| Net interest margin | 3.0090% | 6,277 |
| Noninterest income to average assets | 0.5808% | 3,346 |
| Noninterest expense to average assets | 3.6399% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3485% | 6,730 |
| Return on assets (ROA) | -0.3485% | 6,773 |
| Pretax return on assets | -0.1936% | 6,661 |
| Return on Equity (ROE) | -3.4934% | 6,779 |
| Retained earnings to average equity (ytd only) | -3.4934% | 6,444 |
| Net charge-offs to loans | 2.4298% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.2083% | 4,439 |
| Efficiency ratio | 105.6180% | 418 |
| Assets per employee ($millions) | 2.6450% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5526% | 241 |
| Loan loss allowance to noncurrent loans | 126.2774% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2949% | 3,974 |
| Noncurrent loans to loans | 3.6053% | 1,724 |
| Net loans and leases to total assets | 34.2817% | 6,724 |
| Net loans and leases to deposits | 37.9274% | 6,817 |
| Net loans and leases to core deposits | 37.9274% | 6,882 |
| Total domestic deposits to total assets | 90.3875% | 872 |
| Equity capital to assets | 9.5558% | 4,716 |
| Core capital (leverage) ratio | 8.9060% | 4,987 |
| Tier 1 risk-based capital ratio | 19.5184% | 1,833 |
| Total risk-based capital ratio | 20.8069% | 1,800 |
| Memoranda: | ||
| Average total assets | $10,330,000 | 7,285 |
| Average earning assets | $9,837,000 | 7,266 |
| Average equity | $1,030,500 | 7,274 |
| Average total loans | $3,951,000 | 7,235 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6116% | 6,927 |
| Cost of funding earning assets | 0.5056% | 6,502 |
| Net interest margin | 3.1060% | 6,334 |
| Noninterest income to average assets | 0.7442% | 2,370 |
| Noninterest expense to average assets | 3.4958% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1665% | 5,687 |
| Return on assets (ROA) | 0.1665% | 5,827 |
| Pretax return on assets | 0.1958% | 5,798 |
| Return on Equity (ROE) | 1.6615% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.1728% | 5,307 |
| Net charge-offs to loans | 0.3571% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,775 |
| Efficiency ratio | 94.6950% | 882 |
| Assets per employee ($millions) | 2.5200% | 6,815 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8269% | 198 |
| Loan loss allowance to noncurrent loans | 115.7895% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 3,404 |
| Noncurrent loans to loans | 4.1687% | 1,474 |
| Net loans and leases to total assets | 38.7302% | 6,617 |
| Net loans and leases to deposits | 43.3922% | 6,745 |
| Net loans and leases to core deposits | 43.3922% | 6,840 |
| Total domestic deposits to total assets | 89.2560% | 1,395 |
| Equity capital to assets | 10.4167% | 3,630 |
| Core capital (leverage) ratio | 9.3278% | 4,285 |
| Tier 1 risk-based capital ratio | 19.6262% | 1,723 |
| Total risk-based capital ratio | 20.9138% | 1,678 |
| Memoranda: | ||
| Average total assets | $10,212,400 | 7,331 |
| Average earning assets | $9,691,000 | 7,315 |
| Average equity | $1,023,200 | 7,330 |
| Average total loans | $4,200,400 | 7,281 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 7,009 |
| Cost of funding earning assets | 0.5354% | 6,563 |
| Net interest margin | 3.0748% | 6,440 |
| Noninterest income to average assets | 0.7157% | 2,505 |
| Noninterest expense to average assets | 3.5007% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0911% | 5,985 |
| Return on assets (ROA) | 0.0911% | 6,100 |
| Pretax return on assets | 0.1301% | 6,044 |
| Return on Equity (ROE) | 0.9179% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.9179% | 5,639 |
| Net charge-offs to loans | 0.5680% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.5554% | 5,216 |
| Efficiency ratio | 96.4158% | 794 |
| Assets per employee ($millions) | 2.4918% | 6,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7984% | 215 |
| Loan loss allowance to noncurrent loans | 133.7931% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.4548% | 3,935 |
| Noncurrent loans to loans | 3.5864% | 1,918 |
| Net loans and leases to total assets | 38.6174% | 6,735 |
| Net loans and leases to deposits | 43.2764% | 6,865 |
| Net loans and leases to core deposits | 43.2764% | 6,941 |
| Total domestic deposits to total assets | 89.2345% | 1,289 |
| Equity capital to assets | 10.6552% | 3,511 |
| Core capital (leverage) ratio | 9.2567% | 4,536 |
| Tier 1 risk-based capital ratio | 20.3299% | 1,609 |
| Total risk-based capital ratio | 21.6153% | 1,568 |
| Memoranda: | ||
| Average total assets | $10,245,500 | 7,410 |
| Average earning assets | $9,713,000 | 7,393 |
| Average equity | $1,016,500 | 7,408 |
| Average total loans | $4,225,000 | 7,352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 7,104 |
| Cost of funding earning assets | 0.5709% | 6,582 |
| Net interest margin | 3.0178% | 6,574 |
| Noninterest income to average assets | 0.6771% | 2,669 |
| Noninterest expense to average assets | 3.5402% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0580% | 6,306 |
| Return on assets (ROA) | -0.0580% | 6,362 |
| Pretax return on assets | 0.0000% | 6,267 |
| Return on Equity (ROE) | -0.5992% | 6,367 |
| Retained earnings to average equity (ytd only) | -0.5992% | 5,982 |
| Net charge-offs to loans | 1.0267% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,281 |
| Efficiency ratio | 100.0000% | 718 |
| Assets per employee ($millions) | 2.6208% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5728% | 264 |
| Loan loss allowance to noncurrent loans | 130.1370% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 4,138 |
| Noncurrent loans to loans | 3.5138% | 2,012 |
| Net loans and leases to total assets | 37.8231% | 6,872 |
| Net loans and leases to deposits | 41.9399% | 6,994 |
| Net loans and leases to core deposits | 41.9399% | 7,071 |
| Total domestic deposits to total assets | 90.1841% | 876 |
| Equity capital to assets | 9.7110% | 4,523 |
| Core capital (leverage) ratio | 8.8754% | 4,922 |
| Tier 1 risk-based capital ratio | 19.0329% | 1,834 |
| Total risk-based capital ratio | 20.3141% | 1,786 |
| Memoranda: | ||
| Average total assets | $10,338,330 | 7,485 |
| Average earning assets | $9,808,330 | 7,466 |
| Average equity | $1,001,330 | 7,481 |
| Average total loans | $4,285,670 | 7,427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6225% | 7,122 |
| Cost of funding earning assets | 0.5763% | 6,704 |
| Net interest margin | 3.0462% | 6,467 |
| Noninterest income to average assets | 0.7403% | 2,314 |
| Noninterest expense to average assets | 3.5067% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0000% | 6,348 |
| Return on assets (ROA) | 0.0000% | 6,378 |
| Pretax return on assets | 0.1169% | 6,132 |
| Return on Equity (ROE) | 0.0000% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | 2.1145% | 588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.1304% | 4,501 |
| Efficiency ratio | 96.7742% | 885 |
| Assets per employee ($millions) | 2.6640% | 6,748 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5335% | 281 |
| Loan loss allowance to noncurrent loans | 156.1983% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 4,665 |
| Noncurrent loans to loans | 2.9024% | 2,591 |
| Net loans and leases to total assets | 37.3498% | 6,941 |
| Net loans and leases to deposits | 41.2392% | 7,054 |
| Net loans and leases to core deposits | 41.2392% | 7,127 |
| Total domestic deposits to total assets | 90.5687% | 812 |
| Equity capital to assets | 9.2999% | 4,728 |
| Core capital (leverage) ratio | 8.7484% | 5,001 |
| Tier 1 risk-based capital ratio | 18.6218% | 1,919 |
| Total risk-based capital ratio | 19.9139% | 1,857 |
| Memoranda: | ||
| Average total assets | $10,266,000 | 7,544 |
| Average earning assets | $9,717,000 | 7,525 |
| Average equity | $993,000 | 7,537 |
| Average total loans | $4,351,000 | 7,487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 7,042 |
| Cost of funding earning assets | 0.7013% | 6,887 |
| Net interest margin | 3.4045% | 5,616 |
| Noninterest income to average assets | 0.6011% | 3,468 |
| Noninterest expense to average assets | 3.6282% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1932% | 5,287 |
| Return on assets (ROA) | 0.1932% | 5,461 |
| Pretax return on assets | 0.2040% | 5,485 |
| Return on Equity (ROE) | 1.7928% | 5,472 |
| Retained earnings to average equity (ytd only) | 1.2948% | 4,902 |
| Net charge-offs to loans | -0.3701% | 7,581 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6779% | 1,025 |
| Assets per employee ($millions) | 2.4690% | 7,053 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6989% | 242 |
| Loan loss allowance to noncurrent loans | 269.6203% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 5,410 |
| Noncurrent loans to loans | 1.7428% | 3,893 |
| Net loans and leases to total assets | 43.7424% | 6,735 |
| Net loans and leases to deposits | 48.8909% | 6,909 |
| Net loans and leases to core deposits | 48.8909% | 7,029 |
| Total domestic deposits to total assets | 89.4694% | 1,400 |
| Equity capital to assets | 10.0749% | 3,649 |
| Core capital (leverage) ratio | 9.2089% | 4,154 |
| Tier 1 risk-based capital ratio | 18.2770% | 1,915 |
| Total risk-based capital ratio | 19.5652% | 1,863 |
| Memoranda: | ||
| Average total assets | $9,316,000 | 7,632 |
| Average earning assets | $8,841,200 | 7,613 |
| Average equity | $1,004,000 | 7,632 |
| Average total loans | $4,323,400 | 7,569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 7,192 |
| Cost of funding earning assets | 0.7335% | 6,961 |
| Net interest margin | 3.3771% | 5,756 |
| Noninterest income to average assets | 0.5086% | 4,109 |
| Noninterest expense to average assets | 3.5454% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1599% | 5,618 |
| Return on assets (ROA) | 0.1599% | 5,773 |
| Pretax return on assets | 0.1744% | 5,782 |
| Return on Equity (ROE) | 1.4579% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.4579% | 5,222 |
| Net charge-offs to loans | -0.5931% | 7,686 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3125% | 934 |
| Assets per employee ($millions) | 2.3975% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0047% | 170 |
| Loan loss allowance to noncurrent loans | 128.7425% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 3,831 |
| Noncurrent loans to loans | 3.8873% | 1,958 |
| Net loans and leases to total assets | 42.5547% | 6,946 |
| Net loans and leases to deposits | 47.7869% | 7,096 |
| Net loans and leases to core deposits | 47.7869% | 7,214 |
| Total domestic deposits to total assets | 89.0511% | 1,366 |
| Equity capital to assets | 10.7925% | 3,174 |
| Core capital (leverage) ratio | 9.5478% | 3,833 |
| Tier 1 risk-based capital ratio | 19.7360% | 1,597 |
| Total risk-based capital ratio | 21.0347% | 1,560 |
| Memoranda: | ||
| Average total assets | $9,176,000 | 7,733 |
| Average earning assets | $8,725,250 | 7,713 |
| Average equity | $1,006,250 | 7,733 |
| Average total loans | $4,271,000 | 7,670 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 7,544 |
| Cost of funding earning assets | 0.7681% | 7,013 |
| Net interest margin | 2.9093% | 6,996 |
| Noninterest income to average assets | 0.4647% | 4,400 |
| Noninterest expense to average assets | 3.7398% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.5311% | 6,677 |
| Return on assets (ROA) | -0.5311% | 6,713 |
| Pretax return on assets | -0.5090% | 6,598 |
| Return on Equity (ROE) | -4.8160% | 6,680 |
| Retained earnings to average equity (ytd only) | -4.8160% | 6,531 |
| Net charge-offs to loans | -0.7038% | 7,752 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7534% | 468 |
| Assets per employee ($millions) | 2.3583% | 7,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8730% | 188 |
| Loan loss allowance to noncurrent loans | 73.7762% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 3.0319% | 2,349 |
| Noncurrent loans to loans | 6.6051% | 896 |
| Net loans and leases to total assets | 43.6659% | 6,951 |
| Net loans and leases to deposits | 49.4834% | 7,090 |
| Net loans and leases to core deposits | 49.4834% | 7,230 |
| Total domestic deposits to total assets | 88.2434% | 1,856 |
| Equity capital to assets | 10.4633% | 3,462 |
| Core capital (leverage) ratio | 9.5977% | 3,678 |
| Tier 1 risk-based capital ratio | 19.1269% | 1,693 |
| Total risk-based capital ratio | 20.4236% | 1,645 |
| Memoranda: | ||
| Average total assets | $9,038,000 | 7,803 |
| Average earning assets | $8,593,000 | 7,783 |
| Average equity | $996,670 | 7,800 |
| Average total loans | $4,262,670 | 7,736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 7,351 |
| Cost of funding earning assets | 0.8063% | 7,072 |
| Net interest margin | 3.3201% | 5,898 |
| Noninterest income to average assets | 0.5430% | 3,700 |
| Noninterest expense to average assets | 4.0269% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3620% | 6,729 |
| Return on assets (ROA) | -0.3620% | 6,774 |
| Pretax return on assets | -0.3167% | 6,653 |
| Return on Equity (ROE) | -3.1952% | 6,758 |
| Retained earnings to average equity (ytd only) | -3.1952% | 6,392 |
| Net charge-offs to loans | -0.6621% | 7,826 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5366% | 632 |
| Assets per employee ($millions) | 2.2878% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9010% | 187 |
| Loan loss allowance to noncurrent loans | 134.4371% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.6501% | 4,003 |
| Noncurrent loans to loans | 3.6456% | 2,182 |
| Net loans and leases to total assets | 43.0445% | 7,058 |
| Net loans and leases to deposits | 48.3847% | 7,216 |
| Net loans and leases to core deposits | 48.3847% | 7,345 |
| Total domestic deposits to total assets | 88.9630% | 1,534 |
| Equity capital to assets | 10.8731% | 2,871 |
| Core capital (leverage) ratio | 10.2211% | 2,909 |
| Tier 1 risk-based capital ratio | 20.9530% | 1,349 |
| Total risk-based capital ratio | 22.2378% | 1,316 |
| Memoranda: | ||
| Average total assets | $8,840,500 | 7,909 |
| Average earning assets | $8,433,500 | 7,887 |
| Average equity | $1,001,500 | 7,892 |
| Average total loans | $4,229,000 | 7,838 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 7,135 |
| Cost of funding earning assets | 1.1203% | 6,911 |
| Net interest margin | 3.5826% | 4,610 |
| Noninterest income to average assets | 0.8348% | 2,253 |
| Noninterest expense to average assets | 4.0579% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3014% | 4,532 |
| Return on assets (ROA) | 0.3014% | 4,606 |
| Pretax return on assets | 0.1507% | 5,110 |
| Return on Equity (ROE) | 2.5243% | 4,698 |
| Retained earnings to average equity (ytd only) | 2.0388% | 3,681 |
| Net charge-offs to loans | -0.0692% | 7,865 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4187% | 1,297 |
| Assets per employee ($millions) | 2.1325% | 7,628 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5412% | 242 |
| Loan loss allowance to noncurrent loans | 139.0071% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6530% | 3,895 |
| Noncurrent loans to loans | 3.2669% | 2,336 |
| Net loans and leases to total assets | 48.3001% | 6,787 |
| Net loans and leases to deposits | 56.8982% | 6,861 |
| Net loans and leases to core deposits | 63.0162% | 7,151 |
| Total domestic deposits to total assets | 84.8886% | 3,605 |
| Equity capital to assets | 11.8171% | 2,129 |
| Core capital (leverage) ratio | 10.5594% | 2,544 |
| Tier 1 risk-based capital ratio | 20.5629% | 1,368 |
| Total risk-based capital ratio | 21.8566% | 1,327 |
| Memoranda: | ||
| Average total assets | $8,625,200 | 7,986 |
| Average earning assets | $8,122,600 | 7,965 |
| Average equity | $1,030,000 | 7,974 |
| Average total loans | $4,336,000 | 7,908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 7,236 |
| Cost of funding earning assets | 1.1623% | 6,994 |
| Net interest margin | 3.5688% | 4,596 |
| Noninterest income to average assets | 0.9557% | 1,760 |
| Noninterest expense to average assets | 3.7769% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7400% | 3,061 |
| Return on assets (ROA) | 0.7400% | 3,123 |
| Pretax return on assets | 0.5396% | 4,404 |
| Return on Equity (ROE) | 6.1806% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.1806% | 1,861 |
| Net charge-offs to loans | -0.3686% | 8,007 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,917 |
| Assets per employee ($millions) | 2.1685% | 7,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6793% | 178 |
| Loan loss allowance to noncurrent loans | 379.6296% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 5,892 |
| Noncurrent loans to loans | 1.2326% | 4,887 |
| Net loans and leases to total assets | 48.1439% | 6,941 |
| Net loans and leases to deposits | 54.8680% | 7,154 |
| Net loans and leases to core deposits | 60.4342% | 7,387 |
| Total domestic deposits to total assets | 87.7450% | 1,781 |
| Equity capital to assets | 11.9668% | 2,257 |
| Core capital (leverage) ratio | 10.7703% | 2,584 |
| Tier 1 risk-based capital ratio | 21.7007% | 1,260 |
| Total risk-based capital ratio | 23.0019% | 1,236 |
| Memoranda: | ||
| Average total assets | $8,649,000 | 8,072 |
| Average earning assets | $8,144,500 | 8,051 |
| Average equity | $1,035,500 | 8,059 |
| Average total loans | $4,341,000 | 7,986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 7,395 |
| Cost of funding earning assets | 1.1680% | 7,197 |
| Net interest margin | 3.5283% | 4,662 |
| Noninterest income to average assets | 1.2036% | 1,075 |
| Noninterest expense to average assets | 3.5414% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3425% | 1,135 |
| Return on assets (ROA) | 1.3425% | 1,208 |
| Pretax return on assets | 1.0184% | 2,936 |
| Return on Equity (ROE) | 11.2113% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.2113% | 536 |
| Net charge-offs to loans | -0.4159% | 8,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6650% | 3,397 |
| Assets per employee ($millions) | 2.1818% | 7,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6267% | 160 |
| Loan loss allowance to noncurrent loans | 145.3237% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5928% | 3,826 |
| Noncurrent loans to loans | 3.1837% | 2,242 |
| Net loans and leases to total assets | 47.7140% | 7,056 |
| Net loans and leases to deposits | 54.3107% | 7,252 |
| Net loans and leases to core deposits | 59.7761% | 7,461 |
| Total domestic deposits to total assets | 87.8538% | 1,837 |
| Equity capital to assets | 11.8827% | 2,271 |
| Core capital (leverage) ratio | 10.7437% | 2,612 |
| Tier 1 risk-based capital ratio | 21.7110% | 1,298 |
| Total risk-based capital ratio | 23.0058% | 1,262 |
| Memoranda: | ||
| Average total assets | $8,640,670 | 8,166 |
| Average earning assets | $8,219,330 | 8,144 |
| Average equity | $1,034,670 | 8,152 |
| Average total loans | $4,327,670 | 8,075 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 6,769 |
| Cost of funding earning assets | 1.2646% | 7,135 |
| Net interest margin | 3.7938% | 3,466 |
| Noninterest income to average assets | 2.0006% | 366 |
| Noninterest expense to average assets | 3.1172% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.1172% | 60 |
| Return on assets (ROA) | 3.1172% | 72 |
| Pretax return on assets | 2.5124% | 253 |
| Return on Equity (ROE) | 25.9313% | 166 |
| Retained earnings to average equity (ytd only) | 25.9313% | 71 |
| Net charge-offs to loans | -0.5570% | 8,117 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3719% | 7,058 |
| Assets per employee ($millions) | 2.2078% | 7,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7034% | 127 |
| Loan loss allowance to noncurrent loans | 179.2793% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 4,159 |
| Noncurrent loans to loans | 2.6235% | 2,509 |
| Net loans and leases to total assets | 45.6573% | 7,216 |
| Net loans and leases to deposits | 52.0460% | 7,398 |
| Net loans and leases to core deposits | 58.0394% | 7,525 |
| Total domestic deposits to total assets | 87.7251% | 1,874 |
| Equity capital to assets | 12.0145% | 2,249 |
| Core capital (leverage) ratio | 11.4303% | 2,190 |
| Tier 1 risk-based capital ratio | 22.5130% | 1,247 |
| Total risk-based capital ratio | 23.8095% | 1,207 |
| Memoranda: | ||
| Average total assets | $8,597,500 | 8,215 |
| Average earning assets | $8,224,000 | 8,191 |
| Average equity | $1,033,500 | 8,205 |
| Average total loans | $4,308,500 | 8,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6968% | 6,792 |
| Cost of funding earning assets | 1.8597% | 6,852 |
| Net interest margin | 3.8372% | 3,853 |
| Noninterest income to average assets | 0.3451% | 5,980 |
| Noninterest expense to average assets | 3.7710% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1849% | 5,892 |
| Return on assets (ROA) | 0.1849% | 5,720 |
| Pretax return on assets | 0.1849% | 5,764 |
| Return on Equity (ROE) | 1.5413% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.0275% | 4,610 |
| Net charge-offs to loans | 0.3410% | 3,128 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,624 |
| Efficiency ratio | 95.3271% | 1,197 |
| Assets per employee ($millions) | 2.0910% | 7,832 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4004% | 145 |
| Loan loss allowance to noncurrent loans | 103.7634% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2238% | 2,197 |
| Noncurrent loans to loans | 4.2408% | 1,148 |
| Net loans and leases to total assets | 50.1315% | 7,018 |
| Net loans and leases to deposits | 57.3441% | 7,244 |
| Net loans and leases to core deposits | 60.6626% | 7,556 |
| Total domestic deposits to total assets | 87.4223% | 1,740 |
| Equity capital to assets | 12.0277% | 2,273 |
| Core capital (leverage) ratio | 11.1343% | 2,480 |
| Tier 1 risk-based capital ratio | 21.4404% | 1,404 |
| Total risk-based capital ratio | 22.7391% | 1,357 |
| Memoranda: | ||
| Average total assets | $8,114,600 | 8,273 |
| Average earning assets | $7,635,800 | 8,259 |
| Average equity | $973,200 | 8,274 |
| Average total loans | $4,399,400 | 8,182 |