Home > Cedar Security Bank > Performance and Condition Ratios
Cedar Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 3,749 |
| Cost of funding earning assets | 0.6917% | 3,942 |
| Net interest margin | 3.4413% | 2,317 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.6853% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7682% | 2,983 |
| Return on assets (ROA) | 0.7682% | 2,959 |
| Pretax return on assets | 1.0043% | 2,676 |
| Return on Equity (ROE) | 5.0800% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.0791% | 2,580 |
| Net charge-offs to loans | -0.0316% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.7794% | 1,578 |
| Assets per employee ($millions) | 5.2558% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9615% | 121 |
| Loan loss allowance to noncurrent loans | 1,055.1282% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,624 |
| Noncurrent loans to loans | 0.2807% | 2,175 |
| Net loans and leases to total assets | 46.6400% | 3,786 |
| Net loans and leases to deposits | 63.6284% | 3,309 |
| Net loans and leases to core deposits | 64.9980% | 3,542 |
| Total domestic deposits to total assets | 73.3100% | 4,147 |
| Equity capital to assets | 15.9909% | 462 |
| Core capital (leverage) ratio | 17.6020% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $56,754,000 | 4,251 |
| Average earning assets | $52,626,200 | 4,221 |
| Average equity | $8,584,200 | 3,868 |
| Average total loans | $25,337,200 | 4,209 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 3,816 |
| Cost of funding earning assets | 0.5703% | 4,027 |
| Net interest margin | 3.4469% | 2,346 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.7521% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6703% | 3,384 |
| Return on assets (ROA) | 0.6703% | 3,374 |
| Pretax return on assets | 0.8591% | 3,195 |
| Return on Equity (ROE) | 4.5000% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.4977% | 3,107 |
| Net charge-offs to loans | -0.0270% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.2092% | 1,154 |
| Assets per employee ($millions) | 5.0816% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0037% | 120 |
| Loan loss allowance to noncurrent loans | 1,518.5185% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 2,934 |
| Noncurrent loans to loans | 0.1978% | 2,564 |
| Net loans and leases to total assets | 47.3700% | 3,770 |
| Net loans and leases to deposits | 63.7550% | 3,284 |
| Net loans and leases to core deposits | 64.7449% | 3,492 |
| Total domestic deposits to total assets | 74.3000% | 4,138 |
| Equity capital to assets | 15.7090% | 473 |
| Core capital (leverage) ratio | 17.4405% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $56,489,000 | 4,264 |
| Average earning assets | $52,605,750 | 4,239 |
| Average equity | $8,419,000 | 3,889 |
| Average total loans | $24,724,000 | 4,236 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 3,906 |
| Cost of funding earning assets | 0.4645% | 4,050 |
| Net interest margin | 3.4150% | 2,482 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.7979% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6104% | 3,552 |
| Return on assets (ROA) | 0.6104% | 3,557 |
| Pretax return on assets | 0.7797% | 3,443 |
| Return on Equity (ROE) | 4.1700% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.1695% | 3,170 |
| Net charge-offs to loans | -0.0251% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.2051% | 986 |
| Assets per employee ($millions) | 4.2918% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2923% | 107 |
| Loan loss allowance to noncurrent loans | 605.9259% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 1,984 |
| Noncurrent loans to loans | 0.5433% | 1,369 |
| Net loans and leases to total assets | 43.0700% | 3,919 |
| Net loans and leases to deposits | 54.4902% | 3,721 |
| Net loans and leases to core deposits | 55.4855% | 3,832 |
| Total domestic deposits to total assets | 79.0400% | 3,715 |
| Equity capital to assets | 15.4553% | 482 |
| Core capital (leverage) ratio | 17.1792% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $56,686,000 | 4,285 |
| Average earning assets | $52,533,000 | 4,263 |
| Average equity | $8,298,333 | 3,927 |
| Average total loans | $23,865,333 | 4,270 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 3,925 |
| Cost of funding earning assets | 0.4109% | 3,936 |
| Net interest margin | 3.3481% | 2,756 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.7935% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5041% | 3,888 |
| Return on assets (ROA) | 0.5041% | 3,851 |
| Pretax return on assets | 0.6231% | 3,805 |
| Return on Equity (ROE) | 3.5400% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.5398% | 3,386 |
| Net charge-offs to loans | -0.0171% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.7623% | 719 |
| Assets per employee ($millions) | 4.6718% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4506% | 93 |
| Loan loss allowance to noncurrent loans | 516.4557% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 1,743 |
| Noncurrent loans to loans | 0.6681% | 1,129 |
| Net loans and leases to total assets | 40.7300% | 4,016 |
| Net loans and leases to deposits | 51.3136% | 3,830 |
| Net loans and leases to core deposits | 51.9417% | 3,915 |
| Total domestic deposits to total assets | 79.3700% | 3,850 |
| Equity capital to assets | 15.4882% | 442 |
| Core capital (leverage) ratio | 17.0028% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $57,132,500 | 4,337 |
| Average earning assets | $52,567,000 | 4,321 |
| Average equity | $8,136,000 | 3,987 |
| Average total loans | $23,375,000 | 4,340 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 3,335 |
| Cost of funding earning assets | 0.3313% | 2,620 |
| Net interest margin | 3.0734% | 3,251 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.7207% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5036% | 4,083 |
| Return on assets (ROA) | 0.5036% | 4,044 |
| Pretax return on assets | 0.6507% | 3,946 |
| Return on Equity (ROE) | 3.7400% | 4,196 |
| Retained earnings to average equity (ytd only) | 3.7409% | 3,483 |
| Net charge-offs to loans | 0.2063% | 402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.0943% | 2,316 |
| Efficiency ratio | 80.6982% | 666 |
| Assets per employee ($millions) | 4.4772% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8565% | 13 |
| Loan loss allowance to noncurrent loans | 1,260.4167% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 1,917 |
| Noncurrent loans to loans | 0.6233% | 1,190 |
| Net loans and leases to total assets | 36.5700% | 4,192 |
| Net loans and leases to deposits | 44.7638% | 4,088 |
| Net loans and leases to core deposits | 45.2732% | 4,141 |
| Total domestic deposits to total assets | 81.7000% | 3,660 |
| Equity capital to assets | 13.0388% | 698 |
| Core capital (leverage) ratio | 14.6484% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,780,000 | 4,360 |
| Average earning assets | $53,719,800 | 4,333 |
| Average equity | $7,778,800 | 4,121 |
| Average total loans | $25,696,400 | 4,313 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 3,004 |
| Cost of funding earning assets | 0.3208% | 1,956 |
| Net interest margin | 3.0422% | 3,108 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.7371% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4739% | 4,128 |
| Return on assets (ROA) | 0.4739% | 4,077 |
| Pretax return on assets | 0.6080% | 3,971 |
| Return on Equity (ROE) | 3.4900% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.4924% | 3,626 |
| Net charge-offs to loans | -0.0658% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.8245% | 658 |
| Assets per employee ($millions) | 4.2135% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3672% | 14 |
| Loan loss allowance to noncurrent loans | 746.4286% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 1,272 |
| Noncurrent loans to loans | 0.9870% | 788 |
| Net loans and leases to total assets | 40.0900% | 4,070 |
| Net loans and leases to deposits | 49.0786% | 3,910 |
| Net loans and leases to core deposits | 49.3192% | 3,979 |
| Total domestic deposits to total assets | 81.6900% | 3,880 |
| Equity capital to assets | 12.5379% | 763 |
| Core capital (leverage) ratio | 15.1725% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,674,250 | 4,397 |
| Average earning assets | $54,038,000 | 4,367 |
| Average equity | $7,826,250 | 4,159 |
| Average total loans | $26,345,000 | 4,327 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 3,070 |
| Cost of funding earning assets | 0.3199% | 1,527 |
| Net interest margin | 2.8716% | 3,241 |
| Noninterest income to average assets | 0.4927% | 2,247 |
| Noninterest expense to average assets | 2.7256% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3599% | 4,188 |
| Return on assets (ROA) | 0.3599% | 4,145 |
| Pretax return on assets | 0.4647% | 4,053 |
| Return on Equity (ROE) | 2.5848% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.5848% | 3,588 |
| Net charge-offs to loans | -0.0301% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4326% | 599 |
| Assets per employee ($millions) | 4.1309% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2373% | 16 |
| Loan loss allowance to noncurrent loans | 577.7778% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 1,013 |
| Noncurrent loans to loans | 1.2526% | 629 |
| Net loans and leases to total assets | 41.4891% | 4,004 |
| Net loans and leases to deposits | 51.1261% | 3,751 |
| Net loans and leases to core deposits | 51.3834% | 3,849 |
| Total domestic deposits to total assets | 81.1506% | 4,107 |
| Equity capital to assets | 13.3248% | 608 |
| Core capital (leverage) ratio | 14.8133% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,236,000 | 4,445 |
| Average earning assets | $53,768,000 | 4,427 |
| Average equity | $7,969,667 | 4,207 |
| Average total loans | $26,616,000 | 4,378 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1463% | 2,842 |
| Cost of funding earning assets | 0.3198% | 1,464 |
| Net interest margin | 2.8264% | 3,056 |
| Noninterest income to average assets | 0.4215% | 2,547 |
| Noninterest expense to average assets | 2.7679% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2529% | 4,234 |
| Return on assets (ROA) | 0.2529% | 4,208 |
| Pretax return on assets | 0.3232% | 4,151 |
| Return on Equity (ROE) | 1.7774% | 4,292 |
| Retained earnings to average equity (ytd only) | 1.7774% | 3,605 |
| Net charge-offs to loans | -0.0148% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5455% | 570 |
| Assets per employee ($millions) | 4.0525% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9436% | 20 |
| Loan loss allowance to noncurrent loans | 433.6427% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 731 |
| Noncurrent loans to loans | 1.6012% | 503 |
| Net loans and leases to total assets | 44.1491% | 3,729 |
| Net loans and leases to deposits | 55.1184% | 3,333 |
| Net loans and leases to core deposits | 55.4049% | 3,499 |
| Total domestic deposits to total assets | 80.0987% | 4,285 |
| Equity capital to assets | 13.9138% | 542 |
| Core capital (leverage) ratio | 14.5894% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,938,000 | 4,472 |
| Average earning assets | $53,778,000 | 4,444 |
| Average equity | $8,101,500 | 4,261 |
| Average total loans | $26,991,000 | 4,392 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 1,267 |
| Cost of funding earning assets | 0.3872% | 1,634 |
| Net interest margin | 3.6512% | 1,338 |
| Noninterest income to average assets | 0.5710% | 2,273 |
| Noninterest expense to average assets | 2.7969% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9136% | 2,991 |
| Return on assets (ROA) | 0.9136% | 3,054 |
| Pretax return on assets | 1.1927% | 2,687 |
| Return on Equity (ROE) | 6.2115% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.2115% | 2,265 |
| Net charge-offs to loans | -0.4031% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1045% | 1,719 |
| Assets per employee ($millions) | 4.0815% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9019% | 20 |
| Loan loss allowance to noncurrent loans | 467.0000% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 910 |
| Noncurrent loans to loans | 1.4779% | 616 |
| Net loans and leases to total assets | 44.0962% | 3,832 |
| Net loans and leases to deposits | 55.6803% | 3,449 |
| Net loans and leases to core deposits | 55.9709% | 3,618 |
| Total domestic deposits to total assets | 79.1953% | 4,294 |
| Equity capital to assets | 14.5412% | 569 |
| Core capital (leverage) ratio | 14.9797% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,167,400 | 4,505 |
| Average earning assets | $51,654,200 | 4,492 |
| Average equity | $8,114,000 | 4,321 |
| Average total loans | $29,270,800 | 4,391 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 1,391 |
| Cost of funding earning assets | 0.4025% | 1,677 |
| Net interest margin | 3.6621% | 1,427 |
| Noninterest income to average assets | 0.5487% | 2,412 |
| Noninterest expense to average assets | 2.8434% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8608% | 3,349 |
| Return on assets (ROA) | 0.8608% | 3,417 |
| Pretax return on assets | 1.1218% | 3,152 |
| Return on Equity (ROE) | 5.8356% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.8356% | 2,901 |
| Net charge-offs to loans | -0.4694% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7097% | 1,432 |
| Assets per employee ($millions) | 3.9448% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0790% | 25 |
| Loan loss allowance to noncurrent loans | 324.8687% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 625 |
| Noncurrent loans to loans | 1.8712% | 495 |
| Net loans and leases to total assets | 51.8949% | 3,198 |
| Net loans and leases to deposits | 64.6719% | 2,767 |
| Net loans and leases to core deposits | 65.0167% | 3,044 |
| Total domestic deposits to total assets | 80.2434% | 4,194 |
| Equity capital to assets | 14.9402% | 550 |
| Core capital (leverage) ratio | 14.3942% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,674,000 | 4,574 |
| Average earning assets | $51,007,250 | 4,559 |
| Average equity | $8,065,250 | 4,385 |
| Average total loans | $29,822,250 | 4,436 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 1,752 |
| Cost of funding earning assets | 0.4153% | 1,757 |
| Net interest margin | 3.5123% | 1,823 |
| Noninterest income to average assets | 0.5432% | 2,437 |
| Noninterest expense to average assets | 2.8336% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7304% | 3,684 |
| Return on assets (ROA) | 0.7304% | 3,752 |
| Pretax return on assets | 0.9690% | 3,502 |
| Return on Equity (ROE) | 4.9729% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.9729% | 3,193 |
| Net charge-offs to loans | -0.0811% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5174% | 1,204 |
| Assets per employee ($millions) | 4.0591% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9893% | 27 |
| Loan loss allowance to noncurrent loans | 386.4035% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,005 |
| Noncurrent loans to loans | 1.5500% | 725 |
| Net loans and leases to total assets | 48.6688% | 3,672 |
| Net loans and leases to deposits | 60.0078% | 3,389 |
| Net loans and leases to core deposits | 60.3153% | 3,599 |
| Total domestic deposits to total assets | 81.1041% | 4,079 |
| Equity capital to assets | 14.2415% | 665 |
| Core capital (leverage) ratio | 14.0295% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,489,667 | 4,604 |
| Average earning assets | $50,565,333 | 4,596 |
| Average equity | $8,003,333 | 4,412 |
| Average total loans | $29,591,333 | 4,474 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 1,703 |
| Cost of funding earning assets | 0.4418% | 1,788 |
| Net interest margin | 3.5097% | 1,799 |
| Noninterest income to average assets | 0.5401% | 2,438 |
| Noninterest expense to average assets | 2.9107% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6752% | 3,770 |
| Return on assets (ROA) | 0.6752% | 3,836 |
| Pretax return on assets | 0.8477% | 3,728 |
| Return on Equity (ROE) | 4.5235% | 4,181 |
| Retained earnings to average equity (ytd only) | 4.5235% | 3,359 |
| Net charge-offs to loans | -0.1213% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4451% | 1,003 |
| Assets per employee ($millions) | 3.8461% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1967% | 26 |
| Loan loss allowance to noncurrent loans | 409.3023% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 1,123 |
| Noncurrent loans to loans | 1.5140% | 825 |
| Net loans and leases to total assets | 49.4781% | 3,678 |
| Net loans and leases to deposits | 61.0439% | 3,404 |
| Net loans and leases to core deposits | 61.7528% | 3,593 |
| Total domestic deposits to total assets | 81.0534% | 4,054 |
| Equity capital to assets | 14.8386% | 520 |
| Core capital (leverage) ratio | 14.7164% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,321,000 | 4,637 |
| Average earning assets | $48,893,000 | 4,635 |
| Average equity | $7,958,500 | 4,433 |
| Average total loans | $29,677,500 | 4,498 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,123 |
| Cost of funding earning assets | 0.5825% | 2,429 |
| Net interest margin | 4.0023% | 971 |
| Noninterest income to average assets | 0.6433% | 2,054 |
| Noninterest expense to average assets | 3.0508% | 1,330 |
| Loan and lease loss provision to assets | -0.3789% | 4,993 |
| Net operating income to assets | 1.2708% | 1,331 |
| Return on assets (ROA) | 1.2708% | 1,436 |
| Pretax return on assets | 1.6458% | 965 |
| Return on Equity (ROE) | 8.3333% | 2,677 |
| Retained earnings to average equity (ytd only) | 5.7453% | 1,930 |
| Net charge-offs to loans | -0.1000% | 4,813 |
| Credit loss provision to net charge-offs | 600.0000% | 1,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6581% | 1,862 |
| Assets per employee ($millions) | 3.5197% | 4,641 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6537% | 29 |
| Loan loss allowance to noncurrent loans | 334.6080% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 963 |
| Noncurrent loans to loans | 1.6897% | 763 |
| Net loans and leases to total assets | 55.3129% | 3,363 |
| Net loans and leases to deposits | 68.5307% | 3,025 |
| Net loans and leases to core deposits | 69.3460% | 3,300 |
| Total domestic deposits to total assets | 80.7126% | 3,923 |
| Equity capital to assets | 15.0144% | 570 |
| Core capital (leverage) ratio | 15.2300% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,675,800 | 4,644 |
| Average earning assets | $46,523,600 | 4,640 |
| Average equity | $7,728,000 | 4,451 |
| Average total loans | $32,008,200 | 4,481 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 958 |
| Cost of funding earning assets | 0.6051% | 2,578 |
| Net interest margin | 4.1496% | 808 |
| Noninterest income to average assets | 0.6355% | 2,047 |
| Noninterest expense to average assets | 3.0603% | 1,314 |
| Loan and lease loss provision to assets | -0.5105% | 5,028 |
| Net operating income to assets | 1.5421% | 828 |
| Return on assets (ROA) | 1.5421% | 904 |
| Pretax return on assets | 1.9330% | 592 |
| Return on Equity (ROE) | 10.0715% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.5986% | 1,848 |
| Net charge-offs to loans | -0.0950% | 4,818 |
| Credit loss provision to net charge-offs | 834.7826% | 949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2681% | 2,146 |
| Assets per employee ($millions) | 3.7364% | 4,529 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3914% | 37 |
| Loan loss allowance to noncurrent loans | 535.6923% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 1,870 |
| Noncurrent loans to loans | 1.0064% | 1,487 |
| Net loans and leases to total assets | 58.4049% | 3,381 |
| Net loans and leases to deposits | 74.2178% | 2,933 |
| Net loans and leases to core deposits | 75.2321% | 3,225 |
| Total domestic deposits to total assets | 78.6939% | 4,104 |
| Equity capital to assets | 15.0261% | 630 |
| Core capital (leverage) ratio | 14.6135% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,145,750 | 4,671 |
| Average earning assets | $46,493,250 | 4,660 |
| Average equity | $7,678,250 | 4,481 |
| Average total loans | $32,272,000 | 4,502 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 880 |
| Cost of funding earning assets | 0.6211% | 2,859 |
| Net interest margin | 4.3477% | 680 |
| Noninterest income to average assets | 0.6151% | 2,075 |
| Noninterest expense to average assets | 3.0592% | 1,443 |
| Loan and lease loss provision to assets | -0.7769% | 5,062 |
| Net operating income to assets | 1.9464% | 370 |
| Return on assets (ROA) | 1.9464% | 412 |
| Pretax return on assets | 2.3551% | 277 |
| Return on Equity (ROE) | 12.6285% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.3776% | 1,513 |
| Net charge-offs to loans | -0.0496% | 4,682 |
| Credit loss provision to net charge-offs | 2,400.0000% | 422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9686% | 2,520 |
| Assets per employee ($millions) | 3.4379% | 4,694 |
| Cash dividends to net income (ytd only)* | 41.5800% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3818% | 31 |
| Loan loss allowance to noncurrent loans | 623.1047% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 2,208 |
| Noncurrent loans to loans | 0.8637% | 1,765 |
| Net loans and leases to total assets | 58.8435% | 3,438 |
| Net loans and leases to deposits | 74.9481% | 2,978 |
| Net loans and leases to core deposits | 75.9879% | 3,284 |
| Total domestic deposits to total assets | 78.5123% | 4,112 |
| Equity capital to assets | 15.0614% | 609 |
| Core capital (leverage) ratio | 14.8639% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,424,667 | 4,697 |
| Average earning assets | $45,725,000 | 4,691 |
| Average equity | $7,617,667 | 4,507 |
| Average total loans | $32,265,333 | 4,521 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 1,184 |
| Cost of funding earning assets | 0.6174% | 3,347 |
| Net interest margin | 4.2861% | 783 |
| Noninterest income to average assets | 0.6204% | 1,949 |
| Noninterest expense to average assets | 3.1270% | 1,574 |
| Loan and lease loss provision to assets | 0.0662% | 2,937 |
| Net operating income to assets | 1.0258% | 2,092 |
| Return on assets (ROA) | 1.0258% | 2,190 |
| Pretax return on assets | 1.3898% | 1,593 |
| Return on Equity (ROE) | 6.5756% | 3,107 |
| Retained earnings to average equity (ytd only) | 6.5756% | 1,688 |
| Net charge-offs to loans | -0.0371% | 4,541 |
| Credit loss provision to net charge-offs | -266.6667% | 3,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2310% | 2,629 |
| Assets per employee ($millions) | 3.4480% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9759% | 27 |
| Loan loss allowance to noncurrent loans | 387.2984% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,280 |
| Noncurrent loans to loans | 1.5430% | 1,026 |
| Net loans and leases to total assets | 62.6139% | 3,236 |
| Net loans and leases to deposits | 78.7171% | 2,813 |
| Net loans and leases to core deposits | 80.4584% | 3,158 |
| Total domestic deposits to total assets | 79.5430% | 3,945 |
| Equity capital to assets | 15.7441% | 624 |
| Core capital (leverage) ratio | 15.4865% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,352,500 | 4,737 |
| Average earning assets | $44,703,000 | 4,729 |
| Average equity | $7,543,000 | 4,546 |
| Average total loans | $32,362,500 | 4,552 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 1,599 |
| Cost of funding earning assets | 0.7022% | 3,150 |
| Net interest margin | 4.2537% | 1,195 |
| Noninterest income to average assets | 0.5618% | 2,411 |
| Noninterest expense to average assets | 3.1559% | 1,626 |
| Loan and lease loss provision to assets | 0.1010% | 2,038 |
| Net operating income to assets | 0.9741% | 2,932 |
| Return on assets (ROA) | 0.9741% | 3,019 |
| Pretax return on assets | 1.2687% | 2,616 |
| Return on Equity (ROE) | 6.4040% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.4040% | 1,666 |
| Net charge-offs to loans | 0.0214% | 2,987 |
| Credit loss provision to net charge-offs | 685.7143% | 465 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 717 |
| Efficiency ratio | 69.7350% | 2,209 |
| Assets per employee ($millions) | 3.7256% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8627% | 22 |
| Loan loss allowance to noncurrent loans | 481.1083% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 1,576 |
| Noncurrent loans to loans | 1.2186% | 1,229 |
| Net loans and leases to total assets | 63.3225% | 3,276 |
| Net loans and leases to deposits | 79.3321% | 2,862 |
| Net loans and leases to core deposits | 80.4771% | 3,258 |
| Total domestic deposits to total assets | 79.8195% | 4,012 |
| Equity capital to assets | 15.4564% | 695 |
| Core capital (leverage) ratio | 15.3947% | 608 |
| Tier 1 risk-based capital ratio | 17.4134% | 1,921 |
| Total risk-based capital ratio | 18.7020% | 1,864 |
| Memoranda: | ||
| Average total assets | $47,529,600 | 4,791 |
| Average earning assets | $44,290,800 | 4,779 |
| Average equity | $7,229,800 | 4,611 |
| Average total loans | $32,647,600 | 4,589 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 1,754 |
| Cost of funding earning assets | 0.6706% | 3,349 |
| Net interest margin | 4.2522% | 1,265 |
| Noninterest income to average assets | 0.5468% | 2,477 |
| Noninterest expense to average assets | 3.1935% | 1,479 |
| Loan and lease loss provision to assets | 0.1015% | 1,892 |
| Net operating income to assets | 0.9555% | 3,145 |
| Return on assets (ROA) | 0.9555% | 3,225 |
| Pretax return on assets | 1.2374% | 2,865 |
| Return on Equity (ROE) | 6.3076% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.3076% | 2,220 |
| Net charge-offs to loans | 0.2204% | 801 |
| Credit loss provision to net charge-offs | 66.6667% | 2,651 |
| Earnings coverage of net charge-offs (x) | 8.7961% | 2,623 |
| Efficiency ratio | 70.4602% | 2,058 |
| Assets per employee ($millions) | 3.4685% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5208% | 29 |
| Loan loss allowance to noncurrent loans | 265.1862% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 791 |
| Noncurrent loans to loans | 2.0818% | 636 |
| Net loans and leases to total assets | 65.2340% | 3,154 |
| Net loans and leases to deposits | 82.3399% | 2,642 |
| Net loans and leases to core deposits | 84.1422% | 3,081 |
| Total domestic deposits to total assets | 79.2253% | 4,141 |
| Equity capital to assets | 15.1486% | 809 |
| Core capital (leverage) ratio | 15.1678% | 701 |
| Tier 1 risk-based capital ratio | 17.0793% | 2,057 |
| Total risk-based capital ratio | 18.3696% | 1,997 |
| Memoranda: | ||
| Average total assets | $47,303,750 | 4,862 |
| Average earning assets | $44,336,500 | 4,847 |
| Average equity | $7,165,750 | 4,674 |
| Average total loans | $32,664,750 | 4,652 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 1,823 |
| Cost of funding earning assets | 0.6604% | 3,352 |
| Net interest margin | 4.2175% | 1,321 |
| Noninterest income to average assets | 0.5631% | 2,322 |
| Noninterest expense to average assets | 3.2547% | 1,382 |
| Loan and lease loss provision to assets | 0.1024% | 1,824 |
| Net operating income to assets | 0.8915% | 3,318 |
| Return on assets (ROA) | 0.8915% | 3,382 |
| Pretax return on assets | 1.1560% | 3,055 |
| Return on Equity (ROE) | 5.8854% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.8854% | 2,336 |
| Net charge-offs to loans | 0.4201% | 398 |
| Credit loss provision to net charge-offs | 35.2941% | 2,569 |
| Earnings coverage of net charge-offs (x) | 4.3382% | 2,744 |
| Efficiency ratio | 72.1172% | 1,904 |
| Assets per employee ($millions) | 3.5754% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5686% | 25 |
| Loan loss allowance to noncurrent loans | 261.0873% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 748 |
| Noncurrent loans to loans | 2.1329% | 642 |
| Net loans and leases to total assets | 66.5835% | 3,029 |
| Net loans and leases to deposits | 84.6800% | 2,410 |
| Net loans and leases to core deposits | 86.6333% | 2,915 |
| Total domestic deposits to total assets | 78.6295% | 4,293 |
| Equity capital to assets | 15.5529% | 698 |
| Core capital (leverage) ratio | 14.9982% | 707 |
| Tier 1 risk-based capital ratio | 17.0910% | 2,060 |
| Total risk-based capital ratio | 18.3796% | 1,997 |
| Memoranda: | ||
| Average total assets | $46,885,330 | 4,912 |
| Average earning assets | $43,912,000 | 4,898 |
| Average equity | $7,102,330 | 4,711 |
| Average total loans | $32,377,000 | 4,695 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 2,142 |
| Cost of funding earning assets | 0.6165% | 3,480 |
| Net interest margin | 4.1071% | 1,531 |
| Noninterest income to average assets | 0.5267% | 2,398 |
| Noninterest expense to average assets | 3.3045% | 1,277 |
| Loan and lease loss provision to assets | 0.1019% | 1,726 |
| Net operating income to assets | 0.7305% | 3,845 |
| Return on assets (ROA) | 0.7305% | 3,891 |
| Pretax return on assets | 0.9684% | 3,555 |
| Return on Equity (ROE) | 4.8871% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.8871% | 2,954 |
| Net charge-offs to loans | 0.8701% | 164 |
| Credit loss provision to net charge-offs | 17.1429% | 2,152 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 2,555 |
| Efficiency ratio | 75.5340% | 1,552 |
| Assets per employee ($millions) | 3.1374% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6541% | 26 |
| Loan loss allowance to noncurrent loans | 256.5156% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 800 |
| Noncurrent loans to loans | 2.2042% | 642 |
| Net loans and leases to total assets | 64.2124% | 3,263 |
| Net loans and leases to deposits | 81.3126% | 2,690 |
| Net loans and leases to core deposits | 82.9167% | 3,115 |
| Total domestic deposits to total assets | 78.9698% | 4,357 |
| Equity capital to assets | 15.0656% | 743 |
| Core capital (leverage) ratio | 14.6379% | 781 |
| Tier 1 risk-based capital ratio | 17.0605% | 2,089 |
| Total risk-based capital ratio | 18.3479% | 2,022 |
| Memoranda: | ||
| Average total assets | $47,088,000 | 4,953 |
| Average earning assets | $44,118,500 | 4,941 |
| Average equity | $7,039,000 | 4,746 |
| Average total loans | $32,179,000 | 4,748 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,304 |
| Cost of funding earning assets | 0.5776% | 2,872 |
| Net interest margin | 3.9701% | 2,092 |
| Noninterest income to average assets | 1.2409% | 606 |
| Noninterest expense to average assets | 2.9629% | 2,157 |
| Loan and lease loss provision to assets | 0.0942% | 2,268 |
| Net operating income to assets | 1.4883% | 1,151 |
| Return on assets (ROA) | 1.4883% | 1,138 |
| Pretax return on assets | 1.9085% | 703 |
| Return on Equity (ROE) | 11.3606% | 1,954 |
| Retained earnings to average equity (ytd only) | 9.1124% | 820 |
| Net charge-offs to loans | -0.0335% | 4,851 |
| Credit loss provision to net charge-offs | -436.3636% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6679% | 3,919 |
| Assets per employee ($millions) | 3.3654% | 4,690 |
| Cash dividends to net income (ytd only)* | 19.7889% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7814% | 23 |
| Loan loss allowance to noncurrent loans | 519.1667% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 1,830 |
| Noncurrent loans to loans | 1.1136% | 1,453 |
| Net loans and leases to total assets | 64.6482% | 3,283 |
| Net loans and leases to deposits | 79.6418% | 2,996 |
| Net loans and leases to core deposits | 81.1677% | 3,337 |
| Total domestic deposits to total assets | 81.1737% | 3,850 |
| Equity capital to assets | 14.8318% | 749 |
| Core capital (leverage) ratio | 14.3642% | 829 |
| Tier 1 risk-based capital ratio | 16.8218% | 2,128 |
| Total risk-based capital ratio | 18.1116% | 2,063 |
| Memoranda: | ||
| Average total assets | $50,929,600 | 4,918 |
| Average earning assets | $47,782,600 | 4,900 |
| Average equity | $6,672,200 | 4,795 |
| Average total loans | $32,841,000 | 4,746 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 2,250 |
| Cost of funding earning assets | 0.5780% | 2,647 |
| Net interest margin | 3.9367% | 2,170 |
| Noninterest income to average assets | 1.3723% | 504 |
| Noninterest expense to average assets | 2.9656% | 2,125 |
| Loan and lease loss provision to assets | 0.0925% | 2,128 |
| Net operating income to assets | 1.5599% | 1,046 |
| Return on assets (ROA) | 1.5599% | 1,049 |
| Pretax return on assets | 2.0070% | 610 |
| Return on Equity (ROE) | 12.2748% | 1,689 |
| Retained earnings to average equity (ytd only) | 9.2416% | 1,136 |
| Net charge-offs to loans | 0.2386% | 719 |
| Credit loss provision to net charge-offs | 61.0169% | 2,739 |
| Earnings coverage of net charge-offs (x) | 13.8483% | 2,324 |
| Efficiency ratio | 58.5490% | 4,031 |
| Assets per employee ($millions) | 3.4488% | 4,623 |
| Cash dividends to net income (ytd only)* | 24.7124% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6422% | 31 |
| Loan loss allowance to noncurrent loans | 661.8519% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 2,519 |
| Noncurrent loans to loans | 0.8525% | 1,997 |
| Net loans and leases to total assets | 61.8955% | 3,668 |
| Net loans and leases to deposits | 75.4729% | 3,459 |
| Net loans and leases to core deposits | 76.9815% | 3,740 |
| Total domestic deposits to total assets | 82.0102% | 3,604 |
| Equity capital to assets | 14.1188% | 919 |
| Core capital (leverage) ratio | 13.3333% | 1,163 |
| Tier 1 risk-based capital ratio | 16.2209% | 2,368 |
| Total risk-based capital ratio | 17.5122% | 2,295 |
| Memoranda: | ||
| Average total assets | $51,883,250 | 4,952 |
| Average earning assets | $48,669,250 | 4,938 |
| Average equity | $6,593,250 | 4,862 |
| Average total loans | $32,969,250 | 4,796 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,788 |
| Cost of funding earning assets | 0.5747% | 2,403 |
| Net interest margin | 3.7176% | 2,867 |
| Noninterest income to average assets | 1.6954% | 353 |
| Noninterest expense to average assets | 2.9312% | 2,256 |
| Loan and lease loss provision to assets | 0.0904% | 2,116 |
| Net operating income to assets | 1.7068% | 708 |
| Return on assets (ROA) | 1.7068% | 714 |
| Pretax return on assets | 2.1589% | 423 |
| Return on Equity (ROE) | 13.8985% | 1,101 |
| Retained earnings to average equity (ytd only) | 9.2964% | 1,131 |
| Net charge-offs to loans | 0.3952% | 398 |
| Credit loss provision to net charge-offs | 36.3636% | 2,592 |
| Earnings coverage of net charge-offs (x) | 9.0455% | 2,425 |
| Efficiency ratio | 56.5818% | 4,402 |
| Assets per employee ($millions) | 3.7541% | 4,277 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4778% | 30 |
| Loan loss allowance to noncurrent loans | 300.6803% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1188% | 1,318 |
| Noncurrent loans to loans | 1.8218% | 853 |
| Net loans and leases to total assets | 58.0475% | 3,987 |
| Net loans and leases to deposits | 69.3805% | 3,909 |
| Net loans and leases to core deposits | 69.7533% | 4,161 |
| Total domestic deposits to total assets | 83.6654% | 3,188 |
| Equity capital to assets | 12.7005% | 1,439 |
| Core capital (leverage) ratio | 12.6045% | 1,378 |
| Tier 1 risk-based capital ratio | 15.5179% | 2,630 |
| Total risk-based capital ratio | 16.8028% | 2,554 |
| Memoranda: | ||
| Average total assets | $53,083,330 | 5,000 |
| Average earning assets | $49,763,330 | 4,971 |
| Average equity | $6,518,670 | 4,928 |
| Average total loans | $33,401,670 | 4,827 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 2,067 |
| Cost of funding earning assets | 0.5938% | 2,097 |
| Net interest margin | 3.8435% | 2,248 |
| Noninterest income to average assets | 0.6823% | 1,900 |
| Noninterest expense to average assets | 3.1267% | 1,749 |
| Loan and lease loss provision to assets | 0.0900% | 2,005 |
| Net operating income to assets | 0.8098% | 3,666 |
| Return on assets (ROA) | 0.8098% | 3,675 |
| Pretax return on assets | 1.0572% | 3,326 |
| Return on Equity (ROE) | 6.7076% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.7076% | 2,412 |
| Net charge-offs to loans | -0.1060% | 5,219 |
| Credit loss provision to net charge-offs | -133.3333% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1579% | 2,017 |
| Assets per employee ($millions) | 3.7121% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5985% | 26 |
| Loan loss allowance to noncurrent loans | 311.9250% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 1,369 |
| Noncurrent loans to loans | 1.7948% | 934 |
| Net loans and leases to total assets | 59.4085% | 3,805 |
| Net loans and leases to deposits | 72.0312% | 3,597 |
| Net loans and leases to core deposits | 73.3558% | 3,864 |
| Total domestic deposits to total assets | 82.4761% | 3,821 |
| Equity capital to assets | 12.4786% | 1,496 |
| Core capital (leverage) ratio | 11.9365% | 1,691 |
| Tier 1 risk-based capital ratio | 14.8415% | 2,958 |
| Total risk-based capital ratio | 16.1277% | 2,866 |
| Memoranda: | ||
| Average total assets | $53,346,500 | 5,048 |
| Average earning assets | $49,850,000 | 5,031 |
| Average equity | $6,440,500 | 4,988 |
| Average total loans | $33,964,500 | 4,865 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 1,577 |
| Cost of funding earning assets | 0.6276% | 1,426 |
| Net interest margin | 3.9164% | 2,041 |
| Noninterest income to average assets | 0.4734% | 3,167 |
| Noninterest expense to average assets | 3.0076% | 2,151 |
| Loan and lease loss provision to assets | 0.3381% | 485 |
| Net operating income to assets | 0.2837% | 4,960 |
| Return on assets (ROA) | 0.2837% | 4,977 |
| Pretax return on assets | 0.7383% | 4,418 |
| Return on Equity (ROE) | 2.3771% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.3771% | 3,903 |
| Net charge-offs to loans | 0.3502% | 729 |
| Credit loss provision to net charge-offs | 135.3383% | 1,954 |
| Earnings coverage of net charge-offs (x) | 4.3083% | 3,481 |
| Efficiency ratio | 73.6431% | 1,955 |
| Assets per employee ($millions) | 3.6483% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1385% | 33 |
| Loan loss allowance to noncurrent loans | 198.2475% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 2.5820% | 352 |
| Noncurrent loans to loans | 2.5920% | 504 |
| Net loans and leases to total assets | 61.0591% | 3,726 |
| Net loans and leases to deposits | 72.7435% | 3,623 |
| Net loans and leases to core deposits | 73.5797% | 3,910 |
| Total domestic deposits to total assets | 83.9376% | 3,235 |
| Equity capital to assets | 11.6877% | 2,042 |
| Core capital (leverage) ratio | 11.4503% | 1,973 |
| Tier 1 risk-based capital ratio | 14.2371% | 3,234 |
| Total risk-based capital ratio | 15.5214% | 3,108 |
| Memoranda: | ||
| Average total assets | $53,231,800 | 5,097 |
| Average earning assets | $49,075,800 | 5,083 |
| Average equity | $6,352,400 | 5,052 |
| Average total loans | $37,982,200 | 4,791 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,295 |
| Cost of funding earning assets | 0.6256% | 1,378 |
| Net interest margin | 4.0032% | 1,689 |
| Noninterest income to average assets | 0.4212% | 3,548 |
| Noninterest expense to average assets | 3.0521% | 1,954 |
| Loan and lease loss provision to assets | 0.3784% | 377 |
| Net operating income to assets | 0.4414% | 4,898 |
| Return on assets (ROA) | 0.4414% | 4,927 |
| Pretax return on assets | 0.6710% | 4,675 |
| Return on Equity (ROE) | 3.6794% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.6794% | 3,736 |
| Net charge-offs to loans | -0.0690% | 5,271 |
| Credit loss provision to net charge-offs | -750.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4157% | 1,827 |
| Assets per employee ($millions) | 3.6064% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4584% | 29 |
| Loan loss allowance to noncurrent loans | 219.9090% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 2.5584% | 413 |
| Noncurrent loans to loans | 2.4821% | 623 |
| Net loans and leases to total assets | 61.8900% | 3,662 |
| Net loans and leases to deposits | 74.0692% | 3,553 |
| Net loans and leases to core deposits | 74.4563% | 3,933 |
| Total domestic deposits to total assets | 83.5570% | 3,272 |
| Equity capital to assets | 11.8974% | 2,035 |
| Core capital (leverage) ratio | 11.6364% | 1,925 |
| Tier 1 risk-based capital ratio | 14.2563% | 3,324 |
| Total risk-based capital ratio | 15.5432% | 3,204 |
| Memoranda: | ||
| Average total assets | $52,858,750 | 5,158 |
| Average earning assets | $48,593,500 | 5,152 |
| Average equity | $6,341,500 | 5,109 |
| Average total loans | $38,671,750 | 4,818 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 1,148 |
| Cost of funding earning assets | 0.6246% | 1,310 |
| Net interest margin | 4.0307% | 1,515 |
| Noninterest income to average assets | 0.3775% | 3,852 |
| Noninterest expense to average assets | 2.9096% | 2,397 |
| Loan and lease loss provision to assets | 0.4576% | 265 |
| Net operating income to assets | 0.4538% | 4,844 |
| Return on assets (ROA) | 0.4538% | 4,868 |
| Pretax return on assets | 0.7017% | 4,543 |
| Return on Equity (ROE) | 3.7718% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.7718% | 3,441 |
| Net charge-offs to loans | -0.0805% | 5,347 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5089% | 2,436 |
| Assets per employee ($millions) | 3.3186% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0322% | 42 |
| Loan loss allowance to noncurrent loans | 473.5661% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 1.6969% | 847 |
| Noncurrent loans to loans | 1.0626% | 1,845 |
| Net loans and leases to total assets | 67.4953% | 2,878 |
| Net loans and leases to deposits | 81.0136% | 2,804 |
| Net loans and leases to core deposits | 81.4463% | 3,299 |
| Total domestic deposits to total assets | 83.3136% | 3,464 |
| Equity capital to assets | 12.0157% | 1,915 |
| Core capital (leverage) ratio | 11.8614% | 1,716 |
| Tier 1 risk-based capital ratio | 13.7767% | 3,549 |
| Total risk-based capital ratio | 15.0615% | 3,450 |
| Memoranda: | ||
| Average total assets | $52,446,330 | 5,203 |
| Average earning assets | $48,031,000 | 5,196 |
| Average equity | $6,310,000 | 5,139 |
| Average total loans | $39,758,000 | 4,815 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8450% | 691 |
| Cost of funding earning assets | 0.6077% | 1,322 |
| Net interest margin | 4.2373% | 912 |
| Noninterest income to average assets | 0.3070% | 4,366 |
| Noninterest expense to average assets | 3.1849% | 1,653 |
| Loan and lease loss provision to assets | 0.5756% | 169 |
| Net operating income to assets | 0.2840% | 5,231 |
| Return on assets (ROA) | 0.2840% | 5,246 |
| Pretax return on assets | 0.3991% | 5,158 |
| Return on Equity (ROE) | 2.3586% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.3586% | 4,197 |
| Net charge-offs to loans | -0.0294% | 4,924 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5683% | 1,823 |
| Assets per employee ($millions) | 3.4312% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7294% | 56 |
| Loan loss allowance to noncurrent loans | 249.4580% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 2.4073% | 497 |
| Noncurrent loans to loans | 1.8959% | 956 |
| Net loans and leases to total assets | 72.0564% | 2,068 |
| Net loans and leases to deposits | 86.9319% | 1,921 |
| Net loans and leases to core deposits | 87.4051% | 2,606 |
| Total domestic deposits to total assets | 82.8884% | 3,884 |
| Equity capital to assets | 12.2309% | 1,692 |
| Core capital (leverage) ratio | 11.7125% | 1,820 |
| Tier 1 risk-based capital ratio | 12.7357% | 4,237 |
| Total risk-based capital ratio | 14.0163% | 4,116 |
| Memoranda: | ||
| Average total assets | $52,121,000 | 5,267 |
| Average earning assets | $47,389,000 | 5,264 |
| Average equity | $6,275,000 | 5,195 |
| Average total loans | $40,768,500 | 4,824 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 405 |
| Cost of funding earning assets | 0.5623% | 1,591 |
| Net interest margin | 4.6538% | 454 |
| Noninterest income to average assets | 0.3430% | 4,285 |
| Noninterest expense to average assets | 2.8246% | 2,946 |
| Loan and lease loss provision to assets | 1.4582% | 63 |
| Net operating income to assets | 0.2699% | 5,284 |
| Return on assets (ROA) | 0.2699% | 5,351 |
| Pretax return on assets | 0.3730% | 5,261 |
| Return on Equity (ROE) | 2.3281% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.3281% | 4,202 |
| Net charge-offs to loans | 0.8225% | 244 |
| Credit loss provision to net charge-offs | 210.2703% | 1,352 |
| Earnings coverage of net charge-offs (x) | 2.6405% | 3,794 |
| Efficiency ratio | 60.6683% | 4,479 |
| Assets per employee ($millions) | 3.5183% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1375% | 71 |
| Loan loss allowance to noncurrent loans | 93.2311% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 4.5344% | 154 |
| Noncurrent loans to loans | 4.4379% | 208 |
| Net loans and leases to total assets | 77.3999% | 1,295 |
| Net loans and leases to deposits | 92.8362% | 1,324 |
| Net loans and leases to core deposits | 93.3262% | 2,179 |
| Total domestic deposits to total assets | 83.3725% | 3,638 |
| Equity capital to assets | 11.8524% | 1,903 |
| Core capital (leverage) ratio | 11.2519% | 2,123 |
| Tier 1 risk-based capital ratio | 11.9221% | 4,781 |
| Total risk-based capital ratio | 13.1979% | 4,649 |
| Memoranda: | ||
| Average total assets | $53,352,200 | 5,276 |
| Average earning assets | $49,443,600 | 5,259 |
| Average equity | $6,185,200 | 5,249 |
| Average total loans | $44,985,400 | 4,714 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 344 |
| Cost of funding earning assets | 0.5487% | 1,705 |
| Net interest margin | 4.7834% | 373 |
| Noninterest income to average assets | 0.3315% | 4,419 |
| Noninterest expense to average assets | 2.6643% | 3,449 |
| Loan and lease loss provision to assets | 1.7521% | 50 |
| Net operating income to assets | 0.2617% | 5,368 |
| Return on assets (ROA) | 0.2617% | 5,440 |
| Pretax return on assets | 0.3689% | 5,356 |
| Return on Equity (ROE) | 2.2699% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.2699% | 4,563 |
| Net charge-offs to loans | 0.2106% | 1,107 |
| Credit loss provision to net charge-offs | 976.3889% | 418 |
| Earnings coverage of net charge-offs (x) | 11.8192% | 2,443 |
| Efficiency ratio | 55.6771% | 5,090 |
| Assets per employee ($millions) | 3.8571% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4099% | 60 |
| Loan loss allowance to noncurrent loans | 82.2020% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 4.5205% | 170 |
| Noncurrent loans to loans | 5.3647% | 147 |
| Net loans and leases to total assets | 79.7218% | 929 |
| Net loans and leases to deposits | 95.1611% | 1,129 |
| Net loans and leases to core deposits | 95.6581% | 2,034 |
| Total domestic deposits to total assets | 83.7756% | 3,282 |
| Equity capital to assets | 11.5354% | 2,484 |
| Core capital (leverage) ratio | 11.4935% | 2,037 |
| Tier 1 risk-based capital ratio | 11.4345% | 5,130 |
| Total risk-based capital ratio | 12.7142% | 5,019 |
| Memoranda: | ||
| Average total assets | $53,496,750 | 5,326 |
| Average earning assets | $49,810,250 | 5,305 |
| Average equity | $6,167,750 | 5,305 |
| Average total loans | $45,579,250 | 4,741 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7105% | 185 |
| Cost of funding earning assets | 0.5504% | 1,697 |
| Net interest margin | 5.1601% | 184 |
| Noninterest income to average assets | 0.3413% | 4,339 |
| Noninterest expense to average assets | 2.6477% | 3,550 |
| Loan and lease loss provision to assets | 2.2614% | 36 |
| Net operating income to assets | 0.1500% | 5,611 |
| Return on assets (ROA) | 0.1500% | 5,657 |
| Pretax return on assets | 0.2138% | 5,605 |
| Return on Equity (ROE) | 1.3014% | 5,643 |
| Retained earnings to average equity (ytd only) | 1.3014% | 4,868 |
| Net charge-offs to loans | 0.2404% | 982 |
| Credit loss provision to net charge-offs | 1,096.3636% | 350 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,216 |
| Efficiency ratio | 51.6837% | 5,460 |
| Assets per employee ($millions) | 3.7398% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2655% | 62 |
| Loan loss allowance to noncurrent loans | 82.1675% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 4.4808% | 177 |
| Noncurrent loans to loans | 5.1912% | 164 |
| Net loans and leases to total assets | 81.5765% | 675 |
| Net loans and leases to deposits | 97.9206% | 899 |
| Net loans and leases to core deposits | 98.4510% | 1,767 |
| Total domestic deposits to total assets | 83.3088% | 3,540 |
| Equity capital to assets | 11.7787% | 2,286 |
| Core capital (leverage) ratio | 11.4585% | 2,024 |
| Tier 1 risk-based capital ratio | 11.4707% | 5,177 |
| Total risk-based capital ratio | 12.7487% | 5,041 |
| Memoranda: | ||
| Average total assets | $53,329,330 | 5,393 |
| Average earning assets | $49,418,000 | 5,368 |
| Average equity | $6,147,330 | 5,359 |
| Average total loans | $45,760,670 | 4,778 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 633 |
| Cost of funding earning assets | 0.5550% | 1,660 |
| Net interest margin | 4.4002% | 741 |
| Noninterest income to average assets | 0.2750% | 4,759 |
| Noninterest expense to average assets | 2.5420% | 3,937 |
| Loan and lease loss provision to assets | 1.4048% | 63 |
| Net operating income to assets | 0.2676% | 5,383 |
| Return on assets (ROA) | 0.2676% | 5,455 |
| Pretax return on assets | 0.3939% | 5,321 |
| Return on Equity (ROE) | 2.3462% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.3462% | 4,312 |
| Net charge-offs to loans | 0.0604% | 1,900 |
| Credit loss provision to net charge-offs | 2,700.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 34.5714% | 1,094 |
| Efficiency ratio | 58.5616% | 4,938 |
| Assets per employee ($millions) | 3.8672% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3782% | 155 |
| Loan loss allowance to noncurrent loans | 59.8287% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 4.8411% | 176 |
| Noncurrent loans to loans | 5.6464% | 159 |
| Net loans and leases to total assets | 81.1972% | 659 |
| Net loans and leases to deposits | 96.3043% | 917 |
| Net loans and leases to core deposits | 96.8027% | 1,721 |
| Total domestic deposits to total assets | 84.3132% | 3,389 |
| Equity capital to assets | 11.3722% | 2,553 |
| Core capital (leverage) ratio | 11.2341% | 2,201 |
| Tier 1 risk-based capital ratio | 11.2466% | 5,373 |
| Total risk-based capital ratio | 12.5190% | 5,263 |
| Memoranda: | ||
| Average total assets | $53,815,500 | 5,429 |
| Average earning assets | $49,725,500 | 5,408 |
| Average equity | $6,137,500 | 5,395 |
| Average total loans | $46,334,000 | 4,793 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 678 |
| Cost of funding earning assets | 0.5534% | 1,734 |
| Net interest margin | 4.4083% | 780 |
| Noninterest income to average assets | 0.5061% | 3,279 |
| Noninterest expense to average assets | 2.4858% | 4,270 |
| Loan and lease loss provision to assets | 1.4794% | 49 |
| Net operating income to assets | 0.4263% | 4,964 |
| Return on assets (ROA) | 0.4263% | 5,046 |
| Pretax return on assets | 0.6346% | 4,725 |
| Return on Equity (ROE) | 3.6352% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.6352% | 3,461 |
| Net charge-offs to loans | 1.2648% | 136 |
| Credit loss provision to net charge-offs | 131.9444% | 1,985 |
| Earnings coverage of net charge-offs (x) | 1.8854% | 4,015 |
| Efficiency ratio | 54.0415% | 5,519 |
| Assets per employee ($millions) | 4.1146% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8726% | 262 |
| Loan loss allowance to noncurrent loans | 51.5013% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 5.0514% | 170 |
| Noncurrent loans to loans | 5.5777% | 163 |
| Net loans and leases to total assets | 85.6515% | 257 |
| Net loans and leases to deposits | 101.7862% | 556 |
| Net loans and leases to core deposits | 102.3204% | 1,339 |
| Total domestic deposits to total assets | 84.1484% | 3,426 |
| Equity capital to assets | 11.4377% | 2,409 |
| Core capital (leverage) ratio | 11.2702% | 2,142 |
| Tier 1 risk-based capital ratio | 10.9076% | 5,569 |
| Total risk-based capital ratio | 12.1739% | 5,472 |
| Memoranda: | ||
| Average total assets | $51,372,200 | 5,517 |
| Average earning assets | $47,705,800 | 5,487 |
| Average equity | $6,024,400 | 5,436 |
| Average total loans | $45,541,800 | 4,814 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 659 |
| Cost of funding earning assets | 0.5567% | 1,748 |
| Net interest margin | 4.4166% | 766 |
| Noninterest income to average assets | 0.5743% | 2,884 |
| Noninterest expense to average assets | 2.4284% | 4,421 |
| Loan and lease loss provision to assets | 1.5997% | 30 |
| Net operating income to assets | 0.4275% | 5,062 |
| Return on assets (ROA) | 0.4275% | 5,144 |
| Pretax return on assets | 0.6451% | 4,844 |
| Return on Equity (ROE) | 3.6216% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.6216% | 3,891 |
| Net charge-offs to loans | 1.1432% | 150 |
| Credit loss provision to net charge-offs | 157.6227% | 1,614 |
| Earnings coverage of net charge-offs (x) | 2.2119% | 3,707 |
| Efficiency ratio | 51.9641% | 5,658 |
| Assets per employee ($millions) | 3.9488% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0475% | 232 |
| Loan loss allowance to noncurrent loans | 48.2675% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 5.7602% | 148 |
| Noncurrent loans to loans | 6.3139% | 124 |
| Net loans and leases to total assets | 86.3271% | 212 |
| Net loans and leases to deposits | 103.8405% | 454 |
| Net loans and leases to core deposits | 105.6652% | 1,127 |
| Total domestic deposits to total assets | 83.1343% | 3,760 |
| Equity capital to assets | 11.8223% | 2,242 |
| Core capital (leverage) ratio | 11.7964% | 1,822 |
| Tier 1 risk-based capital ratio | 11.1083% | 5,600 |
| Total risk-based capital ratio | 12.3737% | 5,481 |
| Memoranda: | ||
| Average total assets | $50,842,750 | 5,595 |
| Average earning assets | $47,184,250 | 5,564 |
| Average equity | $6,001,000 | 5,501 |
| Average total loans | $45,134,750 | 4,876 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 681 |
| Cost of funding earning assets | 0.5555% | 1,771 |
| Net interest margin | 4.3762% | 793 |
| Noninterest income to average assets | 0.5604% | 2,975 |
| Noninterest expense to average assets | 2.4034% | 4,534 |
| Loan and lease loss provision to assets | 1.5786% | 39 |
| Net operating income to assets | 0.4420% | 4,999 |
| Return on assets (ROA) | 0.4420% | 5,094 |
| Pretax return on assets | 0.6512% | 4,819 |
| Return on Equity (ROE) | 3.7469% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.7469% | 3,625 |
| Net charge-offs to loans | 1.2282% | 149 |
| Credit loss provision to net charge-offs | 144.9275% | 1,566 |
| Earnings coverage of net charge-offs (x) | 2.0471% | 3,413 |
| Efficiency ratio | 51.8739% | 5,726 |
| Assets per employee ($millions) | 3.8629% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8680% | 310 |
| Loan loss allowance to noncurrent loans | 35.6259% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 7.3798% | 110 |
| Noncurrent loans to loans | 8.0502% | 82 |
| Net loans and leases to total assets | 87.3372% | 174 |
| Net loans and leases to deposits | 105.7047% | 385 |
| Net loans and leases to core deposits | 106.3068% | 1,056 |
| Total domestic deposits to total assets | 82.6238% | 4,086 |
| Equity capital to assets | 11.9758% | 2,046 |
| Core capital (leverage) ratio | 11.7485% | 1,807 |
| Tier 1 risk-based capital ratio | 11.7891% | 5,287 |
| Total risk-based capital ratio | 13.0721% | 5,165 |
| Memoranda: | ||
| Average total assets | $50,678,670 | 5,657 |
| Average earning assets | $47,163,670 | 5,630 |
| Average equity | $5,978,330 | 5,554 |
| Average total loans | $44,943,330 | 4,917 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 569 |
| Cost of funding earning assets | 0.5561% | 1,789 |
| Net interest margin | 4.4406% | 672 |
| Noninterest income to average assets | 0.4793% | 3,432 |
| Noninterest expense to average assets | 2.3257% | 4,808 |
| Loan and lease loss provision to assets | 0.9821% | 82 |
| Net operating income to assets | 0.8407% | 3,060 |
| Return on assets (ROA) | 0.8407% | 3,186 |
| Pretax return on assets | 1.3121% | 2,228 |
| Return on Equity (ROE) | 7.1806% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.1806% | 1,934 |
| Net charge-offs to loans | 0.6602% | 369 |
| Credit loss provision to net charge-offs | 168.9189% | 1,164 |
| Earnings coverage of net charge-offs (x) | 3.9459% | 2,547 |
| Efficiency ratio | 50.3401% | 5,895 |
| Assets per employee ($millions) | 3.8983% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7787% | 374 |
| Loan loss allowance to noncurrent loans | 96.2175% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.5040% | 860 |
| Noncurrent loans to loans | 2.8879% | 778 |
| Net loans and leases to total assets | 84.2989% | 289 |
| Net loans and leases to deposits | 101.5788% | 478 |
| Net loans and leases to core deposits | 102.1496% | 1,170 |
| Total domestic deposits to total assets | 82.9887% | 4,186 |
| Equity capital to assets | 11.8671% | 2,130 |
| Core capital (leverage) ratio | 11.5422% | 1,966 |
| Tier 1 risk-based capital ratio | 12.0814% | 5,184 |
| Total risk-based capital ratio | 13.3460% | 5,082 |
| Memoranda: | ||
| Average total assets | $50,909,000 | 5,705 |
| Average earning assets | $47,471,500 | 5,671 |
| Average equity | $5,960,500 | 5,608 |
| Average total loans | $44,838,000 | 4,955 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 889 |
| Cost of funding earning assets | 0.5753% | 1,999 |
| Net interest margin | 4.3461% | 974 |
| Noninterest income to average assets | 0.8089% | 1,836 |
| Noninterest expense to average assets | 2.4819% | 4,606 |
| Loan and lease loss provision to assets | 0.3936% | 455 |
| Net operating income to assets | 1.3876% | 1,105 |
| Return on assets (ROA) | 1.3876% | 1,138 |
| Pretax return on assets | 1.9781% | 534 |
| Return on Equity (ROE) | 11.3857% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.3857% | 344 |
| Net charge-offs to loans | 0.2285% | 1,843 |
| Credit loss provision to net charge-offs | 198.0198% | 1,247 |
| Earnings coverage of net charge-offs (x) | 11.9307% | 2,435 |
| Efficiency ratio | 51.1354% | 6,035 |
| Assets per employee ($millions) | 4.3228% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 2,499 |
| Loan loss allowance to noncurrent loans | 94.0136% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 1,948 |
| Noncurrent loans to loans | 1.5915% | 1,836 |
| Net loans and leases to total assets | 87.6990% | 127 |
| Net loans and leases to deposits | 106.9870% | 322 |
| Net loans and leases to core deposits | 107.5815% | 920 |
| Total domestic deposits to total assets | 81.9717% | 4,430 |
| Equity capital to assets | 12.5708% | 1,605 |
| Core capital (leverage) ratio | 12.5688% | 1,325 |
| Tier 1 risk-based capital ratio | 13.3437% | 4,517 |
| Total risk-based capital ratio | 14.5957% | 4,441 |
| Memoranda: | ||
| Average total assets | $50,807,200 | 5,770 |
| Average earning assets | $47,283,600 | 5,747 |
| Average equity | $6,192,000 | 5,579 |
| Average total loans | $44,204,400 | 5,028 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 1,042 |
| Cost of funding earning assets | 0.5766% | 2,047 |
| Net interest margin | 4.2599% | 1,130 |
| Noninterest income to average assets | 0.9682% | 1,317 |
| Noninterest expense to average assets | 2.5062% | 4,510 |
| Loan and lease loss provision to assets | 0.3298% | 558 |
| Net operating income to assets | 1.5037% | 937 |
| Return on assets (ROA) | 1.5037% | 965 |
| Pretax return on assets | 2.1078% | 447 |
| Return on Equity (ROE) | 12.4388% | 1,356 |
| Retained earnings to average equity (ytd only) | 12.4388% | 381 |
| Net charge-offs to loans | 0.0396% | 3,710 |
| Credit loss provision to net charge-offs | 961.5385% | 341 |
| Earnings coverage of net charge-offs (x) | 71.0889% | 770 |
| Efficiency ratio | 50.6937% | 6,070 |
| Assets per employee ($millions) | 4.2147% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 2,412 |
| Loan loss allowance to noncurrent loans | 101.2950% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 2,249 |
| Noncurrent loans to loans | 1.5517% | 2,090 |
| Net loans and leases to total assets | 87.1698% | 144 |
| Net loans and leases to deposits | 106.3465% | 315 |
| Net loans and leases to core deposits | 106.9528% | 901 |
| Total domestic deposits to total assets | 81.9677% | 4,487 |
| Equity capital to assets | 12.6305% | 1,621 |
| Core capital (leverage) ratio | 12.8001% | 1,264 |
| Tier 1 risk-based capital ratio | 13.4505% | 4,579 |
| Total risk-based capital ratio | 14.6991% | 4,518 |
| Memoranda: | ||
| Average total assets | $50,540,500 | 5,840 |
| Average earning assets | $47,167,500 | 5,809 |
| Average equity | $6,109,750 | 5,652 |
| Average total loans | $43,709,500 | 5,099 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,248 |
| Cost of funding earning assets | 0.5871% | 2,010 |
| Net interest margin | 4.1310% | 1,423 |
| Noninterest income to average assets | 1.1677% | 852 |
| Noninterest expense to average assets | 2.4897% | 4,606 |
| Loan and lease loss provision to assets | 0.1979% | 1,231 |
| Net operating income to assets | 1.6743% | 610 |
| Return on assets (ROA) | 1.6743% | 647 |
| Pretax return on assets | 2.3234% | 288 |
| Return on Equity (ROE) | 14.0602% | 942 |
| Retained earnings to average equity (ytd only) | 14.0602% | 261 |
| Net charge-offs to loans | -0.0185% | 5,515 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6840% | 6,187 |
| Assets per employee ($millions) | 4.0642% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 2,904 |
| Loan loss allowance to noncurrent loans | 69.2803% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.9090% | 1,698 |
| Noncurrent loans to loans | 2.1633% | 1,530 |
| Net loans and leases to total assets | 86.9202% | 134 |
| Net loans and leases to deposits | 106.5690% | 282 |
| Net loans and leases to core deposits | 107.2023% | 817 |
| Total domestic deposits to total assets | 81.5624% | 4,796 |
| Equity capital to assets | 12.8030% | 1,489 |
| Core capital (leverage) ratio | 12.6683% | 1,299 |
| Tier 1 risk-based capital ratio | 13.7001% | 4,451 |
| Total risk-based capital ratio | 14.9536% | 4,396 |
| Memoranda: | ||
| Average total assets | $50,528,670 | 5,888 |
| Average earning assets | $47,010,330 | 5,861 |
| Average equity | $6,017,000 | 5,714 |
| Average total loans | $43,349,000 | 5,154 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,202 |
| Cost of funding earning assets | 0.4886% | 3,026 |
| Net interest margin | 4.2378% | 1,123 |
| Noninterest income to average assets | 0.7781% | 1,846 |
| Noninterest expense to average assets | 2.5132% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4784% | 849 |
| Return on assets (ROA) | 1.4784% | 878 |
| Pretax return on assets | 2.1786% | 368 |
| Return on Equity (ROE) | 12.8737% | 1,189 |
| Retained earnings to average equity (ytd only) | 12.8737% | 496 |
| Net charge-offs to loans | -0.0092% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5655% | 6,048 |
| Assets per employee ($millions) | 3.8655% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 3,626 |
| Loan loss allowance to noncurrent loans | 58.6548% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0119% | 1,691 |
| Noncurrent loans to loans | 2.3796% | 1,476 |
| Net loans and leases to total assets | 83.3695% | 272 |
| Net loans and leases to deposits | 103.7468% | 303 |
| Net loans and leases to core deposits | 105.0212% | 795 |
| Total domestic deposits to total assets | 80.3586% | 5,411 |
| Equity capital to assets | 11.9480% | 1,905 |
| Core capital (leverage) ratio | 11.6689% | 1,851 |
| Tier 1 risk-based capital ratio | 12.3980% | 5,369 |
| Total risk-based capital ratio | 13.5606% | 5,366 |
| Memoranda: | ||
| Average total assets | $51,408,000 | 5,925 |
| Average earning assets | $47,478,000 | 5,903 |
| Average equity | $5,903,500 | 5,770 |
| Average total loans | $43,505,500 | 5,185 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 1,065 |
| Cost of funding earning assets | 0.5405% | 3,193 |
| Net interest margin | 4.3766% | 948 |
| Noninterest income to average assets | 0.7187% | 2,439 |
| Noninterest expense to average assets | 2.5229% | 4,694 |
| Loan and lease loss provision to assets | 0.4798% | 587 |
| Net operating income to assets | 1.2071% | 1,536 |
| Return on assets (ROA) | 1.2071% | 1,610 |
| Pretax return on assets | 1.7914% | 771 |
| Return on Equity (ROE) | 10.2421% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.2421% | 520 |
| Net charge-offs to loans | 0.1888% | 2,951 |
| Credit loss provision to net charge-offs | 312.5000% | 731 |
| Earnings coverage of net charge-offs (x) | 14.7917% | 1,919 |
| Efficiency ratio | 52.6246% | 6,239 |
| Assets per employee ($millions) | 3.7546% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 3,980 |
| Loan loss allowance to noncurrent loans | 110.0372% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0235% | 3,380 |
| Noncurrent loans to loans | 1.2083% | 3,125 |
| Net loans and leases to total assets | 83.5765% | 284 |
| Net loans and leases to deposits | 108.5921% | 190 |
| Net loans and leases to core deposits | 109.9207% | 610 |
| Total domestic deposits to total assets | 76.9638% | 5,974 |
| Equity capital to assets | 11.0397% | 2,580 |
| Core capital (leverage) ratio | 11.4713% | 1,986 |
| Tier 1 risk-based capital ratio | 11.4727% | 5,919 |
| Total risk-based capital ratio | 12.6411% | 5,906 |
| Memoranda: | ||
| Average total assets | $46,889,800 | 6,094 |
| Average earning assets | $43,664,000 | 6,060 |
| Average equity | $5,526,200 | 5,924 |
| Average total loans | $38,129,600 | 5,417 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 1,306 |
| Cost of funding earning assets | 0.5518% | 3,245 |
| Net interest margin | 4.2670% | 1,168 |
| Noninterest income to average assets | 0.7917% | 2,189 |
| Noninterest expense to average assets | 2.5305% | 4,621 |
| Loan and lease loss provision to assets | 0.4398% | 656 |
| Net operating income to assets | 1.1846% | 1,681 |
| Return on assets (ROA) | 1.1846% | 1,754 |
| Pretax return on assets | 1.8121% | 878 |
| Return on Equity (ROE) | 9.8708% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.8708% | 816 |
| Net charge-offs to loans | 0.1241% | 3,295 |
| Credit loss provision to net charge-offs | 441.1765% | 600 |
| Earnings coverage of net charge-offs (x) | 22.5892% | 1,490 |
| Efficiency ratio | 52.9123% | 6,184 |
| Assets per employee ($millions) | 3.5454% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 4,186 |
| Loan loss allowance to noncurrent loans | 98.5790% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 3,386 |
| Noncurrent loans to loans | 1.3614% | 3,140 |
| Net loans and leases to total assets | 82.1980% | 355 |
| Net loans and leases to deposits | 105.6203% | 251 |
| Net loans and leases to core deposits | 106.9773% | 708 |
| Total domestic deposits to total assets | 77.8241% | 5,926 |
| Equity capital to assets | 11.3710% | 2,407 |
| Core capital (leverage) ratio | 11.8120% | 1,806 |
| Tier 1 risk-based capital ratio | 12.5758% | 5,411 |
| Total risk-based capital ratio | 13.8124% | 5,364 |
| Memoranda: | ||
| Average total assets | $45,471,000 | 6,207 |
| Average earning assets | $42,526,500 | 6,165 |
| Average equity | $5,457,000 | 6,020 |
| Average total loans | $36,531,000 | 5,529 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 1,339 |
| Cost of funding earning assets | 0.5541% | 3,372 |
| Net interest margin | 4.2386% | 1,171 |
| Noninterest income to average assets | 0.7849% | 2,264 |
| Noninterest expense to average assets | 2.6042% | 4,367 |
| Loan and lease loss provision to assets | 0.2268% | 1,665 |
| Net operating income to assets | 1.2658% | 1,415 |
| Return on assets (ROA) | 1.2658% | 1,512 |
| Pretax return on assets | 1.9100% | 737 |
| Return on Equity (ROE) | 10.3435% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.3435% | 772 |
| Net charge-offs to loans | 0.1374% | 3,003 |
| Credit loss provision to net charge-offs | 208.3333% | 1,152 |
| Earnings coverage of net charge-offs (x) | 19.6250% | 1,499 |
| Efficiency ratio | 54.9282% | 6,064 |
| Assets per employee ($millions) | 3.3954% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,993 |
| Loan loss allowance to noncurrent loans | 77.6294% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 3,016 |
| Noncurrent loans to loans | 1.5456% | 2,985 |
| Net loans and leases to total assets | 80.5474% | 484 |
| Net loans and leases to deposits | 103.1131% | 294 |
| Net loans and leases to core deposits | 104.4920% | 815 |
| Total domestic deposits to total assets | 78.1155% | 5,958 |
| Equity capital to assets | 11.5933% | 2,222 |
| Core capital (leverage) ratio | 12.5196% | 1,352 |
| Tier 1 risk-based capital ratio | 11.7873% | 5,926 |
| Total risk-based capital ratio | 12.7845% | 6,056 |
| Memoranda: | ||
| Average total assets | $44,083,000 | 6,283 |
| Average earning assets | $41,145,670 | 6,252 |
| Average equity | $5,394,670 | 6,080 |
| Average total loans | $34,923,330 | 5,621 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 1,379 |
| Cost of funding earning assets | 0.5762% | 3,323 |
| Net interest margin | 4.1847% | 1,230 |
| Noninterest income to average assets | 0.7649% | 2,276 |
| Noninterest expense to average assets | 2.6442% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3504% | 1,154 |
| Return on assets (ROA) | 1.3504% | 1,248 |
| Pretax return on assets | 2.0304% | 561 |
| Return on Equity (ROE) | 10.7186% | 1,784 |
| Retained earnings to average equity (ytd only) | 10.7186% | 935 |
| Net charge-offs to loans | 0.3514% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.4138% | 2,071 |
| Efficiency ratio | 56.5657% | 6,010 |
| Assets per employee ($millions) | 3.0192% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,169 |
| Loan loss allowance to noncurrent loans | 91.9283% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 3,556 |
| Noncurrent loans to loans | 1.3070% | 3,602 |
| Net loans and leases to total assets | 79.7606% | 445 |
| Net loans and leases to deposits | 98.0258% | 442 |
| Net loans and leases to core deposits | 99.4396% | 982 |
| Total domestic deposits to total assets | 81.3670% | 5,400 |
| Equity capital to assets | 12.7942% | 1,535 |
| Core capital (leverage) ratio | 12.6412% | 1,280 |
| Tier 1 risk-based capital ratio | 12.8124% | 5,362 |
| Total risk-based capital ratio | 13.7883% | 5,505 |
| Memoranda: | ||
| Average total assets | $42,356,500 | 6,393 |
| Average earning assets | $39,573,000 | 6,347 |
| Average equity | $5,336,500 | 6,154 |
| Average total loans | $33,008,000 | 5,752 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 1,580 |
| Cost of funding earning assets | 0.6800% | 3,652 |
| Net interest margin | 4.3119% | 1,382 |
| Noninterest income to average assets | 1.0451% | 1,422 |
| Noninterest expense to average assets | 2.8102% | 3,983 |
| Loan and lease loss provision to assets | 0.3273% | 2,077 |
| Net operating income to assets | 1.2342% | 1,491 |
| Return on assets (ROA) | 1.2342% | 1,661 |
| Pretax return on assets | 1.8743% | 787 |
| Return on Equity (ROE) | 10.1833% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.1833% | 561 |
| Net charge-offs to loans | 0.4652% | 2,377 |
| Credit loss provision to net charge-offs | 97.1223% | 3,193 |
| Earnings coverage of net charge-offs (x) | 6.5324% | 2,800 |
| Efficiency ratio | 56.0716% | 6,049 |
| Assets per employee ($millions) | 3.0317% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,278 |
| Loan loss allowance to noncurrent loans | 60.8033% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.8519% | 2,637 |
| Noncurrent loans to loans | 2.2639% | 2,389 |
| Net loans and leases to total assets | 74.1047% | 1,180 |
| Net loans and leases to deposits | 89.2461% | 1,138 |
| Net loans and leases to core deposits | 90.5018% | 1,783 |
| Total domestic deposits to total assets | 83.0341% | 4,715 |
| Equity capital to assets | 12.4046% | 1,782 |
| Core capital (leverage) ratio | 12.5726% | 1,296 |
| Tier 1 risk-based capital ratio | 12.9149% | 5,173 |
| Total risk-based capital ratio | 13.9967% | 5,232 |
| Memoranda: | ||
| Average total assets | $41,242,000 | 6,460 |
| Average earning assets | $37,941,400 | 6,434 |
| Average equity | $4,998,400 | 6,287 |
| Average total loans | $29,878,400 | 5,955 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 1,741 |
| Cost of funding earning assets | 0.6871% | 3,890 |
| Net interest margin | 4.2928% | 1,487 |
| Noninterest income to average assets | 1.0519% | 1,372 |
| Noninterest expense to average assets | 2.7355% | 4,237 |
| Loan and lease loss provision to assets | 0.3582% | 1,820 |
| Net operating income to assets | 1.2799% | 1,494 |
| Return on assets (ROA) | 1.2799% | 1,640 |
| Pretax return on assets | 1.9051% | 860 |
| Return on Equity (ROE) | 10.6248% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.6248% | 756 |
| Net charge-offs to loans | 0.6218% | 1,768 |
| Credit loss provision to net charge-offs | 80.2920% | 3,606 |
| Earnings coverage of net charge-offs (x) | 5.0730% | 3,124 |
| Efficiency ratio | 54.7231% | 6,173 |
| Assets per employee ($millions) | 3.1899% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,511 |
| Loan loss allowance to noncurrent loans | 67.7524% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 3,141 |
| Noncurrent loans to loans | 2.0176% | 2,826 |
| Net loans and leases to total assets | 72.3818% | 1,485 |
| Net loans and leases to deposits | 87.3548% | 1,436 |
| Net loans and leases to core deposits | 88.6448% | 2,143 |
| Total domestic deposits to total assets | 82.8595% | 4,695 |
| Equity capital to assets | 12.4310% | 1,942 |
| Core capital (leverage) ratio | 12.3539% | 1,471 |
| Tier 1 risk-based capital ratio | 13.2371% | 5,069 |
| Total risk-based capital ratio | 14.3115% | 5,153 |
| Memoranda: | ||
| Average total assets | $40,941,500 | 6,554 |
| Average earning assets | $37,643,500 | 6,525 |
| Average equity | $4,931,750 | 6,378 |
| Average total loans | $29,375,000 | 6,051 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 1,917 |
| Cost of funding earning assets | 0.7315% | 3,752 |
| Net interest margin | 4.2235% | 1,686 |
| Noninterest income to average assets | 0.9469% | 1,624 |
| Noninterest expense to average assets | 2.7082% | 4,373 |
| Loan and lease loss provision to assets | 0.5397% | 1,146 |
| Net operating income to assets | 1.0842% | 2,110 |
| Return on assets (ROA) | 1.0842% | 2,327 |
| Pretax return on assets | 1.5798% | 1,605 |
| Return on Equity (ROE) | 9.0996% | 2,772 |
| Retained earnings to average equity (ytd only) | 9.0996% | 1,239 |
| Net charge-offs to loans | 0.8752% | 1,257 |
| Credit loss provision to net charge-offs | 86.6142% | 3,139 |
| Earnings coverage of net charge-offs (x) | 3.4016% | 3,385 |
| Efficiency ratio | 56.0976% | 6,105 |
| Assets per employee ($millions) | 2.9332% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,310 |
| Loan loss allowance to noncurrent loans | 43.8272% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.5228% | 2,220 |
| Noncurrent loans to loans | 3.2754% | 1,780 |
| Net loans and leases to total assets | 71.2285% | 1,691 |
| Net loans and leases to deposits | 85.5463% | 1,654 |
| Net loans and leases to core deposits | 85.5463% | 2,487 |
| Total domestic deposits to total assets | 83.2631% | 4,643 |
| Equity capital to assets | 12.1296% | 2,047 |
| Core capital (leverage) ratio | 12.2224% | 1,484 |
| Tier 1 risk-based capital ratio | 13.9090% | 4,518 |
| Total risk-based capital ratio | 15.0913% | 4,541 |
| Memoranda: | ||
| Average total assets | $40,765,670 | 6,605 |
| Average earning assets | $37,457,000 | 6,575 |
| Average equity | $4,857,330 | 6,431 |
| Average total loans | $29,022,670 | 6,111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 2,164 |
| Cost of funding earning assets | 0.7538% | 3,835 |
| Net interest margin | 4.1673% | 1,860 |
| Noninterest income to average assets | 0.8174% | 2,075 |
| Noninterest expense to average assets | 2.6591% | 4,587 |
| Loan and lease loss provision to assets | 0.9848% | 428 |
| Net operating income to assets | 0.8864% | 2,987 |
| Return on assets (ROA) | 0.8864% | 3,208 |
| Pretax return on assets | 0.9848% | 3,725 |
| Return on Equity (ROE) | 7.5070% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.5070% | 2,170 |
| Net charge-offs to loans | 1.7842% | 533 |
| Credit loss provision to net charge-offs | 78.1250% | 2,762 |
| Earnings coverage of net charge-offs (x) | 1.5625% | 3,549 |
| Efficiency ratio | 57.4468% | 5,981 |
| Assets per employee ($millions) | 2.9176% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 4,191 |
| Loan loss allowance to noncurrent loans | 86.6388% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 3,896 |
| Noncurrent loans to loans | 1.7232% | 3,523 |
| Net loans and leases to total assets | 67.0372% | 2,282 |
| Net loans and leases to deposits | 80.2873% | 2,166 |
| Net loans and leases to core deposits | 80.2873% | 3,043 |
| Total domestic deposits to total assets | 83.4965% | 4,713 |
| Equity capital to assets | 11.8641% | 2,134 |
| Core capital (leverage) ratio | 11.8244% | 1,694 |
| Tier 1 risk-based capital ratio | 14.4462% | 4,149 |
| Total risk-based capital ratio | 15.6386% | 4,153 |
| Memoranda: | ||
| Average total assets | $40,616,000 | 6,664 |
| Average earning assets | $37,146,500 | 6,637 |
| Average equity | $4,795,500 | 6,482 |
| Average total loans | $28,696,000 | 6,177 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4709% | 1,240 |
| Cost of funding earning assets | 1.0057% | 3,333 |
| Net interest margin | 4.4651% | 1,215 |
| Noninterest income to average assets | 0.6361% | 2,971 |
| Noninterest expense to average assets | 3.0157% | 3,536 |
| Loan and lease loss provision to assets | 0.0628% | 5,823 |
| Net operating income to assets | 1.1047% | 1,810 |
| Return on assets (ROA) | 1.1047% | 1,931 |
| Pretax return on assets | 1.6021% | 1,189 |
| Return on Equity (ROE) | 9.3050% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.3050% | 725 |
| Net charge-offs to loans | -0.0036% | 6,823 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4295% | 5,053 |
| Assets per employee ($millions) | 2.8847% | 6,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,043 |
| Loan loss allowance to noncurrent loans | 77.4476% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.5748% | 3,586 |
| Noncurrent loans to loans | 1.9328% | 3,298 |
| Net loans and leases to total assets | 72.1834% | 1,618 |
| Net loans and leases to deposits | 86.4121% | 1,625 |
| Net loans and leases to core deposits | 86.4121% | 2,583 |
| Total domestic deposits to total assets | 83.5339% | 4,525 |
| Equity capital to assets | 11.7491% | 2,308 |
| Core capital (leverage) ratio | 12.5126% | 1,345 |
| Tier 1 risk-based capital ratio | 12.9134% | 5,146 |
| Total risk-based capital ratio | 14.0541% | 5,218 |
| Memoranda: | ||
| Average total assets | $38,200,600 | 6,737 |
| Average earning assets | $34,601,400 | 6,729 |
| Average equity | $4,535,200 | 6,582 |
| Average total loans | $27,992,400 | 6,249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 1,179 |
| Cost of funding earning assets | 1.0573% | 3,272 |
| Net interest margin | 4.4752% | 1,205 |
| Noninterest income to average assets | 0.6480% | 2,894 |
| Noninterest expense to average assets | 2.9425% | 3,767 |
| Loan and lease loss provision to assets | 0.0850% | 5,381 |
| Net operating income to assets | 1.1402% | 1,836 |
| Return on assets (ROA) | 1.1402% | 1,959 |
| Pretax return on assets | 1.6819% | 1,180 |
| Return on Equity (ROE) | 9.5772% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.5772% | 960 |
| Net charge-offs to loans | -0.0097% | 6,778 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4812% | 5,335 |
| Assets per employee ($millions) | 2.8496% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,562 |
| Loan loss allowance to noncurrent loans | 84.8948% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 4,093 |
| Noncurrent loans to loans | 1.9109% | 3,487 |
| Net loans and leases to total assets | 67.4914% | 2,573 |
| Net loans and leases to deposits | 82.1260% | 2,334 |
| Net loans and leases to core deposits | 82.1260% | 3,311 |
| Total domestic deposits to total assets | 82.1803% | 5,024 |
| Equity capital to assets | 11.6759% | 2,519 |
| Core capital (leverage) ratio | 12.0776% | 1,663 |
| Tier 1 risk-based capital ratio | 12.8903% | 5,177 |
| Total risk-based capital ratio | 13.9784% | 5,288 |
| Memoranda: | ||
| Average total assets | $37,654,250 | 6,809 |
| Average earning assets | $34,173,000 | 6,804 |
| Average equity | $4,482,750 | 6,647 |
| Average total loans | $27,591,750 | 6,325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4665% | 1,373 |
| Cost of funding earning assets | 1.0699% | 3,472 |
| Net interest margin | 4.3966% | 1,380 |
| Noninterest income to average assets | 0.5907% | 3,195 |
| Noninterest expense to average assets | 2.9316% | 3,894 |
| Loan and lease loss provision to assets | 0.1301% | 4,666 |
| Net operating income to assets | 1.0892% | 1,902 |
| Return on assets (ROA) | 1.0892% | 1,995 |
| Pretax return on assets | 1.6040% | 1,252 |
| Return on Equity (ROE) | 9.0861% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.0861% | 1,074 |
| Net charge-offs to loans | -0.0072% | 6,633 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8339% | 5,432 |
| Assets per employee ($millions) | 2.6549% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 3,393 |
| Loan loss allowance to noncurrent loans | 50.8611% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.4214% | 2,737 |
| Noncurrent loans to loans | 3.3001% | 2,168 |
| Net loans and leases to total assets | 69.8181% | 2,256 |
| Net loans and leases to deposits | 85.8760% | 1,809 |
| Net loans and leases to core deposits | 85.8760% | 2,925 |
| Total domestic deposits to total assets | 81.3011% | 5,423 |
| Equity capital to assets | 12.2014% | 1,966 |
| Core capital (leverage) ratio | 12.0854% | 1,561 |
| Tier 1 risk-based capital ratio | 13.5857% | 4,464 |
| Total risk-based capital ratio | 14.7030% | 4,546 |
| Memoranda: | ||
| Average total assets | $36,907,670 | 6,887 |
| Average earning assets | $34,208,330 | 6,864 |
| Average equity | $4,424,330 | 6,709 |
| Average total loans | $27,666,000 | 6,382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3610% | 1,696 |
| Cost of funding earning assets | 1.0768% | 3,678 |
| Net interest margin | 4.2841% | 1,605 |
| Noninterest income to average assets | 0.5329% | 3,624 |
| Noninterest expense to average assets | 2.9910% | 3,684 |
| Loan and lease loss provision to assets | 0.2610% | 3,048 |
| Net operating income to assets | 0.8157% | 2,949 |
| Return on assets (ROA) | 0.8157% | 3,008 |
| Pretax return on assets | 1.3051% | 2,027 |
| Return on Equity (ROE) | 6.8666% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.8666% | 2,206 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6325% | 5,096 |
| Assets per employee ($millions) | 2.8269% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 3,641 |
| Loan loss allowance to noncurrent loans | 65.5786% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 3,518 |
| Noncurrent loans to loans | 2.4752% | 3,020 |
| Net loans and leases to total assets | 72.8925% | 1,538 |
| Net loans and leases to deposits | 89.5620% | 1,284 |
| Net loans and leases to core deposits | 89.5620% | 2,401 |
| Total domestic deposits to total assets | 81.3878% | 5,540 |
| Equity capital to assets | 11.9918% | 1,919 |
| Core capital (leverage) ratio | 12.1664% | 1,470 |
| Tier 1 risk-based capital ratio | 14.3766% | 3,820 |
| Total risk-based capital ratio | 15.5995% | 3,798 |
| Memoranda: | ||
| Average total assets | $36,777,500 | 6,939 |
| Average earning assets | $34,546,000 | 6,898 |
| Average equity | $4,369,000 | 6,760 |
| Average total loans | $28,302,500 | 6,404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7928% | 1,297 |
| Cost of funding earning assets | 1.3016% | 3,870 |
| Net interest margin | 4.4913% | 1,245 |
| Noninterest income to average assets | 0.7109% | 2,778 |
| Noninterest expense to average assets | 3.0916% | 3,492 |
| Loan and lease loss provision to assets | 0.1770% | 5,455 |
| Net operating income to assets | 1.1416% | 1,575 |
| Return on assets (ROA) | 1.1416% | 1,655 |
| Pretax return on assets | 1.6667% | 1,007 |
| Return on Equity (ROE) | 9.3451% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.3451% | 632 |
| Net charge-offs to loans | -0.0075% | 7,297 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6420% | 5,597 |
| Assets per employee ($millions) | 2.8312% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,412 |
| Loan loss allowance to noncurrent loans | 61.9259% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 3,439 |
| Noncurrent loans to loans | 2.2979% | 3,224 |
| Net loans and leases to total assets | 78.6768% | 853 |
| Net loans and leases to deposits | 96.3371% | 844 |
| Net loans and leases to core deposits | 96.3371% | 1,965 |
| Total domestic deposits to total assets | 81.6683% | 5,306 |
| Equity capital to assets | 11.7674% | 2,064 |
| Core capital (leverage) ratio | 11.9730% | 1,567 |
| Tier 1 risk-based capital ratio | 12.3841% | 5,129 |
| Total risk-based capital ratio | 13.5274% | 5,189 |
| Memoranda: | ||
| Average total assets | $33,898,800 | 7,080 |
| Average earning assets | $31,884,200 | 7,021 |
| Average equity | $4,141,200 | 6,945 |
| Average total loans | $26,761,000 | 6,568 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7910% | 1,421 |
| Cost of funding earning assets | 1.3433% | 3,952 |
| Net interest margin | 4.4477% | 1,379 |
| Noninterest income to average assets | 0.7355% | 2,607 |
| Noninterest expense to average assets | 3.0668% | 3,502 |
| Loan and lease loss provision to assets | 0.1809% | 5,236 |
| Net operating income to assets | 1.1536% | 1,726 |
| Return on assets (ROA) | 1.1536% | 1,822 |
| Pretax return on assets | 1.6801% | 1,154 |
| Return on Equity (ROE) | 9.3474% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.3474% | 947 |
| Net charge-offs to loans | -0.0102% | 7,270 |
| Credit loss provision to net charge-offs | -2,250.0000% | 7,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2349% | 5,580 |
| Assets per employee ($millions) | 2.5088% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 4,429 |
| Loan loss allowance to noncurrent loans | 141.9014% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 5,478 |
| Noncurrent loans to loans | 0.9908% | 5,253 |
| Net loans and leases to total assets | 80.4658% | 670 |
| Net loans and leases to deposits | 103.1084% | 477 |
| Net loans and leases to core deposits | 104.0804% | 1,479 |
| Total domestic deposits to total assets | 78.0400% | 6,247 |
| Equity capital to assets | 12.0889% | 2,096 |
| Core capital (leverage) ratio | 12.2263% | 1,552 |
| Tier 1 risk-based capital ratio | 13.8624% | 3,946 |
| Total risk-based capital ratio | 15.0741% | 3,929 |
| Memoranda: | ||
| Average total assets | $33,172,250 | 7,199 |
| Average earning assets | $31,266,250 | 7,128 |
| Average equity | $4,093,750 | 7,056 |
| Average total loans | $26,107,500 | 6,698 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7763% | 1,493 |
| Cost of funding earning assets | 1.3360% | 4,290 |
| Net interest margin | 4.4403% | 1,344 |
| Noninterest income to average assets | 0.7318% | 2,507 |
| Noninterest expense to average assets | 3.1179% | 3,226 |
| Loan and lease loss provision to assets | 0.1845% | 5,028 |
| Net operating income to assets | 1.1008% | 1,855 |
| Return on assets (ROA) | 1.1008% | 1,926 |
| Pretax return on assets | 1.5989% | 1,305 |
| Return on Equity (ROE) | 8.8548% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.8548% | 1,150 |
| Net charge-offs to loans | -0.0079% | 7,168 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6136% | 5,408 |
| Assets per employee ($millions) | 2.3879% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,395 |
| Loan loss allowance to noncurrent loans | 60.6583% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9084% | 3,609 |
| Noncurrent loans to loans | 2.3167% | 3,349 |
| Net loans and leases to total assets | 81.2180% | 642 |
| Net loans and leases to deposits | 103.3692% | 519 |
| Net loans and leases to core deposits | 104.3786% | 1,605 |
| Total domestic deposits to total assets | 78.5708% | 6,139 |
| Equity capital to assets | 12.3777% | 1,882 |
| Core capital (leverage) ratio | 12.5260% | 1,399 |
| Tier 1 risk-based capital ratio | 14.2263% | 3,590 |
| Total risk-based capital ratio | 15.4540% | 3,565 |
| Memoranda: | ||
| Average total assets | $32,522,000 | 7,272 |
| Average earning assets | $30,538,330 | 7,208 |
| Average equity | $4,043,000 | 7,108 |
| Average total loans | $25,255,000 | 6,786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7755% | 1,538 |
| Cost of funding earning assets | 1.3605% | 4,417 |
| Net interest margin | 4.4150% | 1,350 |
| Noninterest income to average assets | 0.6486% | 2,941 |
| Noninterest expense to average assets | 3.1434% | 3,093 |
| Loan and lease loss provision to assets | 0.1871% | 4,636 |
| Net operating income to assets | 0.9979% | 2,194 |
| Return on assets (ROA) | 0.9979% | 2,264 |
| Pretax return on assets | 1.4469% | 1,643 |
| Return on Equity (ROE) | 8.0090% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.0090% | 1,705 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7963% | 5,163 |
| Assets per employee ($millions) | 2.4968% | 7,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,808 |
| Loan loss allowance to noncurrent loans | 226.2195% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 6,229 |
| Noncurrent loans to loans | 0.6722% | 5,984 |
| Net loans and leases to total assets | 74.0195% | 1,966 |
| Net loans and leases to deposits | 92.4575% | 1,549 |
| Net loans and leases to core deposits | 93.3810% | 2,922 |
| Total domestic deposits to total assets | 80.0579% | 5,760 |
| Equity capital to assets | 12.4311% | 1,789 |
| Core capital (leverage) ratio | 12.4630% | 1,419 |
| Tier 1 risk-based capital ratio | 14.8244% | 3,200 |
| Total risk-based capital ratio | 15.9987% | 3,193 |
| Memoranda: | ||
| Average total assets | $32,067,500 | 7,378 |
| Average earning assets | $29,988,500 | 7,320 |
| Average equity | $3,995,500 | 7,193 |
| Average total loans | $24,113,000 | 6,936 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1767% | 1,300 |
| Cost of funding earning assets | 1.6010% | 5,019 |
| Net interest margin | 4.5757% | 1,028 |
| Noninterest income to average assets | 0.7712% | 2,550 |
| Noninterest expense to average assets | 3.3196% | 2,951 |
| Loan and lease loss provision to assets | 0.0331% | 7,201 |
| Net operating income to assets | 1.1551% | 1,373 |
| Return on assets (ROA) | 1.1551% | 1,400 |
| Pretax return on assets | 1.6846% | 810 |
| Return on Equity (ROE) | 9.2104% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.2104% | 466 |
| Net charge-offs to loans | 0.6152% | 3,369 |
| Credit loss provision to net charge-offs | 7.1429% | 6,985 |
| Earnings coverage of net charge-offs (x) | 3.7071% | 3,234 |
| Efficiency ratio | 65.9001% | 5,409 |
| Assets per employee ($millions) | 2.2626% | 7,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 3,759 |
| Loan loss allowance to noncurrent loans | 317.8571% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 6,563 |
| Noncurrent loans to loans | 0.4700% | 6,315 |
| Net loans and leases to total assets | 74.1034% | 2,250 |
| Net loans and leases to deposits | 92.8080% | 1,764 |
| Net loans and leases to core deposits | 105.0011% | 3,450 |
| Total domestic deposits to total assets | 79.8459% | 5,715 |
| Equity capital to assets | 12.4890% | 1,756 |
| Core capital (leverage) ratio | 12.3766% | 1,500 |
| Tier 1 risk-based capital ratio | 14.4915% | 3,213 |
| Total risk-based capital ratio | 15.7401% | 3,166 |
| Memoranda: | ||
| Average total assets | $30,214,200 | 7,463 |
| Average earning assets | $28,170,400 | 7,424 |
| Average equity | $3,789,200 | 7,355 |
| Average total loans | $22,757,400 | 7,041 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1785% | 1,424 |
| Cost of funding earning assets | 1.6438% | 5,192 |
| Net interest margin | 4.5347% | 1,112 |
| Noninterest income to average assets | 0.7862% | 2,504 |
| Noninterest expense to average assets | 3.2295% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2284% | 1,399 |
| Return on assets (ROA) | 1.2284% | 1,460 |
| Pretax return on assets | 1.7957% | 808 |
| Return on Equity (ROE) | 9.7841% | 2,001 |
| Retained earnings to average equity (ytd only) | 9.7841% | 676 |
| Net charge-offs to loans | 0.9248% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.5770% | 3,936 |
| Efficiency ratio | 64.2667% | 5,694 |
| Assets per employee ($millions) | 2.3008% | 7,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 4,078 |
| Loan loss allowance to noncurrent loans | 114.9826% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 5,296 |
| Noncurrent loans to loans | 1.1974% | 4,948 |
| Net loans and leases to total assets | 73.3849% | 2,693 |
| Net loans and leases to deposits | 93.2061% | 2,022 |
| Net loans and leases to core deposits | 104.2746% | 3,905 |
| Total domestic deposits to total assets | 78.7340% | 5,884 |
| Equity capital to assets | 12.0797% | 2,203 |
| Core capital (leverage) ratio | 12.9063% | 1,404 |
| Tier 1 risk-based capital ratio | 14.5164% | 3,273 |
| Total risk-based capital ratio | 15.7613% | 3,216 |
| Memoranda: | ||
| Average total assets | $29,848,750 | 7,541 |
| Average earning assets | $27,902,500 | 7,499 |
| Average equity | $3,747,500 | 7,434 |
| Average total loans | $22,489,500 | 7,125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3358% | 1,125 |
| Cost of funding earning assets | 1.7058% | 5,239 |
| Net interest margin | 4.6300% | 905 |
| Noninterest income to average assets | 0.7777% | 2,531 |
| Noninterest expense to average assets | 3.2896% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2388% | 1,385 |
| Return on assets (ROA) | 1.2388% | 1,463 |
| Pretax return on assets | 1.8031% | 845 |
| Return on Equity (ROE) | 9.7306% | 2,118 |
| Retained earnings to average equity (ytd only) | 9.7306% | 781 |
| Net charge-offs to loans | 1.4184% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.6795% | 4,288 |
| Efficiency ratio | 64.5946% | 5,788 |
| Assets per employee ($millions) | 2.2918% | 7,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 3,552 |
| Loan loss allowance to noncurrent loans | 124.0602% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 5,199 |
| Noncurrent loans to loans | 1.1552% | 4,904 |
| Net loans and leases to total assets | 76.1823% | 2,140 |
| Net loans and leases to deposits | 98.4045% | 1,465 |
| Net loans and leases to core deposits | 111.0638% | 3,248 |
| Total domestic deposits to total assets | 77.4175% | 6,226 |
| Equity capital to assets | 12.7043% | 1,830 |
| Core capital (leverage) ratio | 12.6436% | 1,565 |
| Tier 1 risk-based capital ratio | 13.9829% | 3,529 |
| Total risk-based capital ratio | 15.1155% | 3,531 |
| Memoranda: | ||
| Average total assets | $29,061,330 | 7,642 |
| Average earning assets | $27,084,330 | 7,594 |
| Average equity | $3,699,670 | 7,511 |
| Average total loans | $21,996,670 | 7,215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3238% | 1,233 |
| Cost of funding earning assets | 1.7342% | 5,454 |
| Net interest margin | 4.5896% | 955 |
| Noninterest income to average assets | 0.7806% | 2,427 |
| Noninterest expense to average assets | 3.2340% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2685% | 1,457 |
| Return on assets (ROA) | 1.2685% | 1,555 |
| Pretax return on assets | 1.8261% | 931 |
| Return on Equity (ROE) | 9.9535% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.9535% | 1,208 |
| Net charge-offs to loans | 2.9234% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.8344% | 4,360 |
| Efficiency ratio | 63.9118% | 5,706 |
| Assets per employee ($millions) | 2.2236% | 7,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 3,132 |
| Loan loss allowance to noncurrent loans | 276.4706% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 6,262 |
| Noncurrent loans to loans | 0.5321% | 6,089 |
| Net loans and leases to total assets | 76.2341% | 2,221 |
| Net loans and leases to deposits | 96.0972% | 1,926 |
| Net loans and leases to core deposits | 108.4925% | 3,617 |
| Total domestic deposits to total assets | 79.3303% | 5,599 |
| Equity capital to assets | 12.8100% | 1,830 |
| Core capital (leverage) ratio | 12.8362% | 1,542 |
| Tier 1 risk-based capital ratio | 15.0606% | 3,035 |
| Total risk-based capital ratio | 16.2359% | 3,009 |
| Memoranda: | ||
| Average total assets | $28,695,500 | 7,705 |
| Average earning assets | $26,756,000 | 7,649 |
| Average equity | $3,657,000 | 7,573 |
| Average total loans | $21,481,500 | 7,276 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8896% | 1,426 |
| Cost of funding earning assets | 2.3236% | 5,046 |
| Net interest margin | 4.5661% | 1,268 |
| Noninterest income to average assets | 0.9668% | 1,706 |
| Noninterest expense to average assets | 3.3261% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2356% | 1,667 |
| Return on assets (ROA) | 1.2356% | 1,611 |
| Pretax return on assets | 1.8441% | 860 |
| Return on Equity (ROE) | 9.6171% | 2,392 |
| Retained earnings to average equity (ytd only) | 7.4380% | 1,005 |
| Net charge-offs to loans | -0.0256% | 7,951 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3321% | 5,492 |
| Assets per employee ($millions) | 2.1911% | 7,725 |
| Cash dividends to net income (ytd only)* | 22.6586% | 4,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3596% | 792 |
| Loan loss allowance to noncurrent loans | 934.6154% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 6,829 |
| Noncurrent loans to loans | 0.2525% | 6,627 |
| Net loans and leases to total assets | 70.6045% | 3,881 |
| Net loans and leases to deposits | 89.2236% | 3,596 |
| Net loans and leases to core deposits | 98.6510% | 4,972 |
| Total domestic deposits to total assets | 79.1321% | 5,324 |
| Equity capital to assets | 12.6773% | 1,933 |
| Core capital (leverage) ratio | 12.6545% | 1,683 |
| Tier 1 risk-based capital ratio | 16.6916% | 2,420 |
| Total risk-based capital ratio | 17.9529% | 2,352 |
| Memoranda: | ||
| Average total assets | $26,788,400 | 7,770 |
| Average earning assets | $24,660,200 | 7,759 |
| Average equity | $3,441,800 | 7,703 |
| Average total loans | $19,541,200 | 7,366 |