Home > Farmington State Bank > Performance and Condition Ratios
Farmington State Bank, Performance and Condition Ratios
| 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 | 3.2114% | 4,494 |
| Cost of funding earning assets | 0.1645% | 4,462 |
| Net interest margin | 3.0468% | 3,325 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 13.5324% | 89 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | -9.8282% | 4,654 |
| Return on assets (ROA) | -9.9450% | 4,653 |
| Pretax return on assets | -9.9450% | 4,654 |
| Return on Equity (ROE) | -30.8500% | 4,622 |
| Retained earnings to average equity (ytd only) | -30.8528% | 4,601 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 352.2727% | 8 |
| Assets per employee ($millions) | 2.0404% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 4,138 |
| Loan loss allowance to noncurrent loans | 110.3896% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 1,143 |
| Noncurrent loans to loans | 0.6586% | 1,134 |
| Net loans and leases to total assets | 71.1100% | 1,623 |
| Net loans and leases to deposits | 240.8591% | 6 |
| Net loans and leases to core deposits | 240.8591% | 23 |
| Total domestic deposits to total assets | 29.5200% | 4,551 |
| Equity capital to assets | 69.8462% | 114 |
| Core capital (leverage) ratio | 63.7223% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $37,687,333 | 4,452 |
| Average earning assets | $35,249,667 | 4,424 |
| Average equity | $12,148,000 | 3,523 |
| Average total loans | $12,248,667 | 4,434 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5940% | 4,632 |
| Cost of funding earning assets | 0.1659% | 4,428 |
| Net interest margin | 2.4281% | 4,364 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 14.6621% | 85 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | -12.2722% | 4,686 |
| Return on assets (ROA) | -12.4541% | 4,686 |
| Pretax return on assets | -12.4541% | 4,687 |
| Return on Equity (ROE) | -48.1100% | 4,651 |
| Retained earnings to average equity (ytd only) | -48.1093% | 4,665 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 589.4915% | 2 |
| Assets per employee ($millions) | 1.5463% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 4,260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.3500% | 2,021 |
| Net loans and leases to deposits | 189.8242% | 7 |
| Net loans and leases to core deposits | 189.8242% | 43 |
| Total domestic deposits to total assets | 34.9600% | 4,599 |
| Equity capital to assets | 63.4276% | 69 |
| Core capital (leverage) ratio | 58.1329% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $48,369,500 | 4,428 |
| Average earning assets | $45,797,500 | 4,392 |
| Average equity | $12,521,500 | 3,519 |
| Average total loans | $12,527,000 | 4,492 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 2,717 |
| Cost of funding earning assets | 0.0912% | 4,426 |
| Net interest margin | 3.5363% | 1,818 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 14.3575% | 84 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | -11.0421% | 4,721 |
| Return on assets (ROA) | -11.2908% | 4,721 |
| Pretax return on assets | -11.2908% | 4,721 |
| Return on Equity (ROE) | -53.6800% | 4,705 |
| Retained earnings to average equity (ytd only) | -53.6774% | 4,720 |
| Net charge-offs to loans | 0.0353% | 1,376 |
| Credit loss provision to net charge-offs | 1,525.0000% | 320 |
| Earnings coverage of net charge-offs (x) | -1,272.0000% | 4,726 |
| Efficiency ratio | 407.9652% | 13 |
| Assets per employee ($millions) | 2.5221% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6242% | 4,311 |
| Loan loss allowance to noncurrent loans | 2,633.3333% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,895 |
| Noncurrent loans to loans | 0.0237% | 3,626 |
| Net loans and leases to total assets | 16.0900% | 4,575 |
| Net loans and leases to deposits | 19.4751% | 4,572 |
| Net loans and leases to core deposits | 19.4751% | 4,564 |
| Total domestic deposits to total assets | 82.6100% | 3,510 |
| Equity capital to assets | 16.9779% | 335 |
| Core capital (leverage) ratio | 14.5050% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,630,800 | 4,466 |
| Average earning assets | $43,859,800 | 4,439 |
| Average equity | $9,808,600 | 3,895 |
| Average total loans | $11,336,800 | 4,541 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4826% | 4,456 |
| Cost of funding earning assets | 0.0593% | 4,534 |
| Net interest margin | 2.4233% | 4,294 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 14.8188% | 84 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | -12.7299% | 4,762 |
| Return on assets (ROA) | -12.7299% | 4,762 |
| Pretax return on assets | -12.7299% | 4,762 |
| Return on Equity (ROE) | -55.1500% | 4,742 |
| Retained earnings to average equity (ytd only) | -55.1525% | 4,756 |
| Net charge-offs to loans | 0.0485% | 1,001 |
| Credit loss provision to net charge-offs | 1,425.0000% | 314 |
| Earnings coverage of net charge-offs (x) | -910.5000% | 4,764 |
| Efficiency ratio | 632.8313% | 10 |
| Assets per employee ($millions) | 3.8021% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5914% | 4,389 |
| Loan loss allowance to noncurrent loans | 7.3892% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 430 |
| Noncurrent loans to loans | 8.0041% | 23 |
| Net loans and leases to total assets | 12.7500% | 4,637 |
| Net loans and leases to deposits | 15.0064% | 4,635 |
| Net loans and leases to core deposits | 15.0064% | 4,623 |
| Total domestic deposits to total assets | 84.9800% | 3,291 |
| Equity capital to assets | 14.8875% | 462 |
| Core capital (leverage) ratio | 28.4549% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $38,742,500 | 4,575 |
| Average earning assets | $35,982,750 | 4,553 |
| Average equity | $8,942,250 | 4,040 |
| Average total loans | $11,006,750 | 4,576 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2152% | 2,992 |
| Cost of funding earning assets | 0.0607% | 4,522 |
| Net interest margin | 3.1546% | 2,347 |
| Noninterest income to average assets | 0.0642% | 4,601 |
| Noninterest expense to average assets | 30.2878% | 28 |
| Loan and lease loss provision to assets | 0.3745% | 154 |
| Net operating income to assets | -27.8164% | 4,768 |
| Return on assets (ROA) | -27.8164% | 4,768 |
| Pretax return on assets | -27.8164% | 4,768 |
| Return on Equity (ROE) | -74.2186% | 4,767 |
| Retained earnings to average equity (ytd only) | -74.2186% | 4,763 |
| Net charge-offs to loans | 0.0766% | 699 |
| Credit loss provision to net charge-offs | 875.0000% | 447 |
| Earnings coverage of net charge-offs (x) | -641.2500% | 2,153 |
| Efficiency ratio | 1,038.3459% | 8 |
| Assets per employee ($millions) | 0.9434% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4498% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 54.0603% | 2,958 |
| Net loans and leases to deposits | 93.5854% | 535 |
| Net loans and leases to core deposits | 93.5854% | 936 |
| Total domestic deposits to total assets | 57.7657% | 4,701 |
| Equity capital to assets | 42.2343% | 48 |
| Core capital (leverage) ratio | 45.9175% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,694,000 | 4,744 |
| Average earning assets | $16,484,000 | 4,736 |
| Average equity | $7,006,333 | 4,320 |
| Average total loans | $10,448,667 | 4,651 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1229% | 2,901 |
| Cost of funding earning assets | 0.1853% | 3,008 |
| Net interest margin | 2.9377% | 2,714 |
| Noninterest income to average assets | 0.1396% | 4,319 |
| Noninterest expense to average assets | 27.5244% | 28 |
| Loan and lease loss provision to assets | 0.4421% | 113 |
| Net operating income to assets | -25.2443% | 4,795 |
| Return on assets (ROA) | -25.2443% | 4,795 |
| Pretax return on assets | -25.2443% | 4,795 |
| Return on Equity (ROE) | -73.2181% | 4,793 |
| Retained earnings to average equity (ytd only) | -73.2181% | 4,787 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 979.4872% | 5 |
| Assets per employee ($millions) | 5.4490% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4168% | 4,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.9315% | 2,077 |
| Net loans and leases to deposits | 91.6721% | 450 |
| Net loans and leases to core deposits | 91.6721% | 830 |
| Total domestic deposits to total assets | 65.3759% | 4,699 |
| Equity capital to assets | 34.6241% | 51 |
| Core capital (leverage) ratio | 19.5969% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,192,000 | 4,776 |
| Average earning assets | $15,114,000 | 4,765 |
| Average equity | $5,927,500 | 4,472 |
| Average total loans | $9,781,500 | 4,686 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9430% | 3,977 |
| Cost of funding earning assets | 0.1910% | 3,551 |
| Net interest margin | 2.7520% | 3,777 |
| Noninterest income to average assets | 0.0307% | 4,753 |
| Noninterest expense to average assets | 5.7905% | 133 |
| Loan and lease loss provision to assets | 0.1595% | 742 |
| Net operating income to assets | -3.5332% | 4,825 |
| Return on assets (ROA) | -3.5332% | 4,825 |
| Pretax return on assets | -3.5332% | 4,824 |
| Return on Equity (ROE) | -9.2533% | 4,802 |
| Retained earnings to average equity (ytd only) | -9.2533% | 4,759 |
| Net charge-offs to loans | 0.0567% | 1,224 |
| Credit loss provision to net charge-offs | 650.0000% | 691 |
| Earnings coverage of net charge-offs (x) | -137.5000% | 2,698 |
| Efficiency ratio | 208.8832% | 17 |
| Assets per employee ($millions) | 6.0397% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2262% | 4,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.5515% | 2,901 |
| Net loans and leases to deposits | 82.3544% | 1,032 |
| Net loans and leases to core deposits | 82.3544% | 1,437 |
| Total domestic deposits to total assets | 65.0257% | 4,740 |
| Equity capital to assets | 34.9743% | 48 |
| Core capital (leverage) ratio | 33.5801% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,302,600 | 4,823 |
| Average earning assets | $14,135,200 | 4,812 |
| Average equity | $6,224,800 | 4,508 |
| Average total loans | $7,048,600 | 4,771 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9073% | 4,160 |
| Cost of funding earning assets | 0.1951% | 3,656 |
| Net interest margin | 2.7122% | 3,942 |
| Noninterest income to average assets | 0.0252% | 4,841 |
| Noninterest expense to average assets | 6.8564% | 110 |
| Loan and lease loss provision to assets | 0.2019% | 511 |
| Net operating income to assets | -4.6943% | 4,901 |
| Return on assets (ROA) | -4.6943% | 4,901 |
| Pretax return on assets | -4.6943% | 4,901 |
| Return on Equity (ROE) | -12.0060% | 4,888 |
| Retained earnings to average equity (ytd only) | -12.0060% | 4,860 |
| Net charge-offs to loans | 0.1045% | 720 |
| Credit loss provision to net charge-offs | 480.0000% | 775 |
| Earnings coverage of net charge-offs (x) | -106.8000% | 2,454 |
| Efficiency ratio | 257.6512% | 15 |
| Assets per employee ($millions) | 5.6977% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2045% | 4,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.2327% | 2,942 |
| Net loans and leases to deposits | 86.3289% | 810 |
| Net loans and leases to core deposits | 86.3289% | 1,272 |
| Total domestic deposits to total assets | 62.8210% | 4,820 |
| Equity capital to assets | 37.1790% | 49 |
| Core capital (leverage) ratio | 33.1747% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,848,500 | 4,900 |
| Average earning assets | $13,666,500 | 4,889 |
| Average equity | $6,196,750 | 4,576 |
| Average total loans | $6,379,500 | 4,847 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6426% | 4,512 |
| Cost of funding earning assets | 0.1963% | 3,791 |
| Net interest margin | 2.4463% | 4,376 |
| Noninterest income to average assets | 0.0259% | 4,877 |
| Noninterest expense to average assets | 2.6947% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.5700% | 4,874 |
| Return on assets (ROA) | -0.5700% | 4,878 |
| Pretax return on assets | -0.5700% | 4,873 |
| Return on Equity (ROE) | -1.4811% | 4,831 |
| Retained earnings to average equity (ytd only) | -1.4811% | 4,638 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8293% | 63 |
| Assets per employee ($millions) | 5.5170% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.8554% | 4,119 |
| Net loans and leases to deposits | 65.9753% | 2,827 |
| Net loans and leases to core deposits | 65.9753% | 3,114 |
| Total domestic deposits to total assets | 64.9568% | 4,835 |
| Equity capital to assets | 35.0432% | 49 |
| Core capital (leverage) ratio | 33.2267% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,437,667 | 4,937 |
| Average earning assets | $13,244,333 | 4,926 |
| Average equity | $5,941,667 | 4,625 |
| Average total loans | $5,409,667 | 4,897 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4282% | 4,699 |
| Cost of funding earning assets | 0.1892% | 4,014 |
| Net interest margin | 2.2390% | 4,584 |
| Noninterest income to average assets | 0.0269% | 4,896 |
| Noninterest expense to average assets | 2.5548% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.6185% | 4,907 |
| Return on assets (ROA) | -0.6185% | 4,907 |
| Pretax return on assets | -0.6185% | 4,899 |
| Return on Equity (ROE) | -1.5319% | 4,846 |
| Retained earnings to average equity (ytd only) | -1.5319% | 4,510 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.9444% | 50 |
| Assets per employee ($millions) | 4.9177% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.3595% | 4,617 |
| Net loans and leases to deposits | 54.5039% | 3,906 |
| Net loans and leases to core deposits | 54.5039% | 4,071 |
| Total domestic deposits to total assets | 59.3710% | 4,888 |
| Equity capital to assets | 40.6290% | 41 |
| Core capital (leverage) ratio | 34.9177% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,874,000 | 4,965 |
| Average earning assets | $12,684,500 | 4,955 |
| Average equity | $6,005,500 | 4,637 |
| Average total loans | $4,568,000 | 4,932 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7933% | 4,755 |
| Cost of funding earning assets | 0.1227% | 4,806 |
| Net interest margin | 2.6707% | 4,414 |
| Noninterest income to average assets | 0.0257% | 4,908 |
| Noninterest expense to average assets | 2.1758% | 3,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2313% | 4,532 |
| Return on assets (ROA) | 0.2313% | 4,593 |
| Pretax return on assets | 0.2741% | 4,578 |
| Return on Equity (ROE) | 0.8527% | 4,690 |
| Retained earnings to average equity (ytd only) | 0.8527% | 4,272 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8112% | 417 |
| Assets per employee ($millions) | 7.5095% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 29.1098% | 4,771 |
| Net loans and leases to deposits | 48.6968% | 4,366 |
| Net loans and leases to core deposits | 48.6968% | 4,467 |
| Total domestic deposits to total assets | 59.7776% | 4,913 |
| Equity capital to assets | 40.2224% | 43 |
| Core capital (leverage) ratio | 38.7817% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $11,673,800 | 4,994 |
| Average earning assets | $10,596,600 | 4,982 |
| Average equity | $3,166,400 | 4,901 |
| Average total loans | $4,557,800 | 4,953 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9462% | 4,768 |
| Cost of funding earning assets | 0.1327% | 4,852 |
| Net interest margin | 2.8134% | 4,321 |
| Noninterest income to average assets | 0.0369% | 4,917 |
| Noninterest expense to average assets | 2.4236% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1722% | 4,631 |
| Return on assets (ROA) | 0.1722% | 4,667 |
| Pretax return on assets | 0.2214% | 4,638 |
| Return on Equity (ROE) | 0.7626% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.7626% | 4,318 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6279% | 324 |
| Assets per employee ($millions) | 6.6120% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 810 |
| Loan loss allowance to noncurrent loans | 29.5238% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.3820% | 234 |
| Noncurrent loans to loans | 5.9199% | 74 |
| Net loans and leases to total assets | 39.5342% | 4,578 |
| Net loans and leases to deposits | 61.3615% | 3,966 |
| Net loans and leases to core deposits | 61.3615% | 4,140 |
| Total domestic deposits to total assets | 64.4283% | 4,883 |
| Equity capital to assets | 35.5792% | 47 |
| Core capital (leverage) ratio | 35.5766% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,837,500 | 5,027 |
| Average earning assets | $10,046,750 | 5,015 |
| Average equity | $2,447,750 | 4,972 |
| Average total loans | $4,604,250 | 4,985 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1571% | 4,748 |
| Cost of funding earning assets | 0.1730% | 4,825 |
| Net interest margin | 2.9841% | 4,161 |
| Noninterest income to average assets | 0.0199% | 4,974 |
| Noninterest expense to average assets | 2.6290% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1195% | 4,663 |
| Return on assets (ROA) | 0.1195% | 4,696 |
| Pretax return on assets | 0.1394% | 4,691 |
| Return on Equity (ROE) | 0.7078% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.7078% | 4,157 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9640% | 269 |
| Assets per employee ($millions) | 3.4400% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.8314% | 4,321 |
| Net loans and leases to deposits | 56.0543% | 4,289 |
| Net loans and leases to core deposits | 56.0543% | 4,431 |
| Total domestic deposits to total assets | 83.5465% | 2,902 |
| Equity capital to assets | 16.4535% | 416 |
| Core capital (leverage) ratio | 16.4519% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,042,000 | 5,063 |
| Average earning assets | $9,249,000 | 5,050 |
| Average equity | $1,695,333 | 5,046 |
| Average total loans | $4,365,333 | 5,019 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 4,667 |
| Cost of funding earning assets | 0.2193% | 4,846 |
| Net interest margin | 3.2458% | 3,736 |
| Noninterest income to average assets | 0.0404% | 4,989 |
| Noninterest expense to average assets | 2.8274% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2020% | 4,529 |
| Return on assets (ROA) | 0.2020% | 4,540 |
| Pretax return on assets | 0.2020% | 4,565 |
| Return on Equity (ROE) | 1.1806% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.1806% | 3,698 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 389 |
| Assets per employee ($millions) | 3.4427% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 39.5139% | 4,683 |
| Net loans and leases to deposits | 47.2830% | 4,688 |
| Net loans and leases to core deposits | 47.2830% | 4,747 |
| Total domestic deposits to total assets | 83.5689% | 2,925 |
| Equity capital to assets | 16.4214% | 520 |
| Core capital (leverage) ratio | 18.1352% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.8425% | 89 |
| Memoranda: | ||
| Average total assets | $9,903,000 | 5,114 |
| Average earning assets | $9,119,500 | 5,100 |
| Average equity | $1,694,000 | 5,093 |
| Average total loans | $4,085,000 | 5,070 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 2,918 |
| Cost of funding earning assets | 0.2021% | 4,962 |
| Net interest margin | 4.3045% | 1,081 |
| Noninterest income to average assets | 0.0327% | 5,072 |
| Noninterest expense to average assets | 3.3017% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7301% | 3,767 |
| Return on assets (ROA) | 0.7301% | 3,837 |
| Pretax return on assets | 0.6756% | 4,265 |
| Return on Equity (ROE) | 4.0332% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.0332% | 2,946 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0137% | 729 |
| Assets per employee ($millions) | 3.1593% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 41.1796% | 4,695 |
| Net loans and leases to deposits | 50.1349% | 4,683 |
| Net loans and leases to core deposits | 50.1349% | 4,758 |
| Total domestic deposits to total assets | 82.1376% | 3,471 |
| Equity capital to assets | 17.8519% | 381 |
| Core capital (leverage) ratio | 27.0504% | 101 |
| Tier 1 risk-based capital ratio | 48.4675% | 143 |
| Total risk-based capital ratio | 49.7279% | 140 |
| Memoranda: | ||
| Average total assets | $9,177,200 | 5,175 |
| Average earning assets | $8,409,800 | 5,164 |
| Average equity | $1,661,200 | 5,153 |
| Average total loans | $4,465,600 | 5,129 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 2,593 |
| Cost of funding earning assets | 0.2080% | 5,021 |
| Net interest margin | 4.4337% | 877 |
| Noninterest income to average assets | 0.0293% | 5,156 |
| Noninterest expense to average assets | 3.2373% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9229% | 3,265 |
| Return on assets (ROA) | 0.9229% | 3,337 |
| Pretax return on assets | 0.8496% | 4,008 |
| Return on Equity (ROE) | 5.0801% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.0801% | 2,854 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2115% | 994 |
| Assets per employee ($millions) | 2.8060% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.1730% | 3,868 |
| Net loans and leases to deposits | 72.7746% | 3,574 |
| Net loans and leases to core deposits | 72.7746% | 3,904 |
| Total domestic deposits to total assets | 79.9359% | 4,004 |
| Equity capital to assets | 20.0641% | 256 |
| Core capital (leverage) ratio | 24.3934% | 130 |
| Tier 1 risk-based capital ratio | 41.4174% | 223 |
| Total risk-based capital ratio | 42.6680% | 219 |
| Memoranda: | ||
| Average total assets | $9,102,000 | 5,253 |
| Average earning assets | $8,329,750 | 5,242 |
| Average equity | $1,653,500 | 5,230 |
| Average total loans | $4,583,000 | 5,205 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 3,244 |
| Cost of funding earning assets | 0.2098% | 5,050 |
| Net interest margin | 4.2203% | 1,311 |
| Noninterest income to average assets | 0.0214% | 5,210 |
| Noninterest expense to average assets | 3.2583% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7503% | 3,827 |
| Return on assets (ROA) | 0.7503% | 3,892 |
| Pretax return on assets | 0.6431% | 4,462 |
| Return on Equity (ROE) | 4.2640% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.2640% | 3,122 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5165% | 689 |
| Assets per employee ($millions) | 2.9990% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.6846% | 4,233 |
| Net loans and leases to deposits | 65.8487% | 4,109 |
| Net loans and leases to core deposits | 65.8487% | 4,322 |
| Total domestic deposits to total assets | 81.5272% | 3,656 |
| Equity capital to assets | 18.4617% | 337 |
| Core capital (leverage) ratio | 18.9915% | 277 |
| Tier 1 risk-based capital ratio | 40.7308% | 226 |
| Total risk-based capital ratio | 41.9814% | 222 |
| Memoranda: | ||
| Average total assets | $9,330,000 | 5,299 |
| Average earning assets | $8,577,670 | 5,289 |
| Average equity | $1,641,670 | 5,277 |
| Average total loans | $4,447,330 | 5,256 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 4,002 |
| Cost of funding earning assets | 0.1825% | 5,152 |
| Net interest margin | 3.9683% | 1,953 |
| Noninterest income to average assets | 0.0421% | 5,230 |
| Noninterest expense to average assets | 3.0281% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8832% | 3,297 |
| Return on assets (ROA) | 0.8832% | 3,352 |
| Pretax return on assets | 0.6729% | 4,366 |
| Return on Equity (ROE) | 5.1017% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.1017% | 2,861 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 893 |
| Assets per employee ($millions) | 3.1873% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1724% | 368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 43.7984% | 4,755 |
| Net loans and leases to deposits | 52.9055% | 4,717 |
| Net loans and leases to core deposits | 52.9055% | 4,815 |
| Total domestic deposits to total assets | 82.7860% | 3,471 |
| Equity capital to assets | 17.2244% | 427 |
| Core capital (leverage) ratio | 18.5098% | 306 |
| Tier 1 risk-based capital ratio | 46.0570% | 160 |
| Total risk-based capital ratio | 47.3154% | 160 |
| Memoranda: | ||
| Average total assets | $9,511,000 | 5,356 |
| Average earning assets | $8,769,500 | 5,344 |
| Average equity | $1,646,500 | 5,334 |
| Average total loans | $4,209,500 | 5,317 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 4,142 |
| Cost of funding earning assets | 0.1810% | 5,071 |
| Net interest margin | 3.7773% | 2,753 |
| Noninterest income to average assets | 0.0203% | 5,322 |
| Noninterest expense to average assets | 3.3123% | 1,292 |
| Loan and lease loss provision to assets | 0.0305% | 3,579 |
| Net operating income to assets | 0.0000% | 5,232 |
| Return on assets (ROA) | 0.0000% | 5,229 |
| Pretax return on assets | 0.0711% | 5,198 |
| Return on Equity (ROE) | 0.0000% | 5,229 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,982 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0238% | 191 |
| Assets per employee ($millions) | 3.1533% | 4,882 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2475% | 303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 42.7590% | 4,852 |
| Net loans and leases to deposits | 51.7594% | 4,826 |
| Net loans and leases to core deposits | 51.7594% | 4,900 |
| Total domestic deposits to total assets | 82.6110% | 3,448 |
| Equity capital to assets | 17.3996% | 383 |
| Core capital (leverage) ratio | 19.3397% | 254 |
| Tier 1 risk-based capital ratio | 47.7933% | 148 |
| Total risk-based capital ratio | 49.0708% | 147 |
| Memoranda: | ||
| Average total assets | $9,842,200 | 5,400 |
| Average earning assets | $8,842,200 | 5,388 |
| Average equity | $1,635,200 | 5,377 |
| Average total loans | $4,313,600 | 5,361 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,885 |
| Cost of funding earning assets | 0.1654% | 5,165 |
| Net interest margin | 3.8476% | 2,478 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 3.4883% | 993 |
| Loan and lease loss provision to assets | 0.0403% | 3,199 |
| Net operating income to assets | -0.2951% | 5,363 |
| Return on assets (ROA) | -0.2951% | 5,362 |
| Pretax return on assets | -0.0939% | 5,322 |
| Return on Equity (ROE) | -1.7966% | 5,348 |
| Retained earnings to average equity (ytd only) | -1.7966% | 5,185 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5625% | 130 |
| Assets per employee ($millions) | 2.9187% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.7222% | 4,769 |
| Net loans and leases to deposits | 57.3853% | 4,676 |
| Net loans and leases to core deposits | 57.3853% | 4,809 |
| Total domestic deposits to total assets | 81.4185% | 3,760 |
| Equity capital to assets | 18.5701% | 291 |
| Core capital (leverage) ratio | 17.4820% | 376 |
| Tier 1 risk-based capital ratio | 54.2543% | 110 |
| Total risk-based capital ratio | 55.5222% | 108 |
| Memoranda: | ||
| Average total assets | $9,937,750 | 5,471 |
| Average earning assets | $8,871,000 | 5,459 |
| Average equity | $1,632,500 | 5,447 |
| Average total loans | $4,357,500 | 5,431 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 4,406 |
| Cost of funding earning assets | 0.1527% | 5,235 |
| Net interest margin | 3.6214% | 3,232 |
| Noninterest income to average assets | 0.0194% | 5,458 |
| Noninterest expense to average assets | 3.5619% | 913 |
| Loan and lease loss provision to assets | 0.0387% | 3,136 |
| Net operating income to assets | -0.6582% | 5,454 |
| Return on assets (ROA) | -0.6582% | 5,447 |
| Pretax return on assets | -0.3678% | 5,414 |
| Return on Equity (ROE) | -4.1599% | 5,427 |
| Retained earnings to average equity (ytd only) | -4.1599% | 5,253 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1796% | 98 |
| Assets per employee ($millions) | 3.1823% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 45.3965% | 4,856 |
| Net loans and leases to deposits | 54.6257% | 4,819 |
| Net loans and leases to core deposits | 54.6257% | 4,914 |
| Total domestic deposits to total assets | 83.1046% | 3,384 |
| Equity capital to assets | 16.8954% | 409 |
| Core capital (leverage) ratio | 15.8901% | 517 |
| Tier 1 risk-based capital ratio | 48.1205% | 147 |
| Total risk-based capital ratio | 49.4033% | 147 |
| Memoranda: | ||
| Average total assets | $10,331,670 | 5,533 |
| Average earning assets | $9,167,670 | 5,521 |
| Average equity | $1,634,670 | 5,511 |
| Average total loans | $4,415,670 | 5,493 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 4,272 |
| Cost of funding earning assets | 0.0850% | 5,492 |
| Net interest margin | 3.6970% | 2,810 |
| Noninterest income to average assets | 0.0746% | 5,416 |
| Noninterest expense to average assets | 3.4316% | 1,110 |
| Loan and lease loss provision to assets | 0.0373% | 3,000 |
| Net operating income to assets | -0.1492% | 5,435 |
| Return on assets (ROA) | -0.1492% | 5,431 |
| Pretax return on assets | -0.1492% | 5,429 |
| Return on Equity (ROE) | -0.9723% | 5,419 |
| Retained earnings to average equity (ytd only) | -0.9723% | 4,909 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3708% | 144 |
| Assets per employee ($millions) | 2.6393% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2659% | 342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.7718% | 5,185 |
| Net loans and leases to deposits | 43.5592% | 5,170 |
| Net loans and leases to core deposits | 43.5592% | 5,222 |
| Total domestic deposits to total assets | 84.4179% | 3,140 |
| Equity capital to assets | 15.5726% | 557 |
| Core capital (leverage) ratio | 15.2590% | 601 |
| Tier 1 risk-based capital ratio | 52.9469% | 116 |
| Total risk-based capital ratio | 54.2029% | 113 |
| Memoranda: | ||
| Average total assets | $10,724,000 | 5,597 |
| Average earning assets | $9,413,000 | 5,585 |
| Average equity | $1,645,500 | 5,571 |
| Average total loans | $4,411,000 | 5,557 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 867 |
| Cost of funding earning assets | 0.0724% | 5,570 |
| Net interest margin | 4.7896% | 360 |
| Noninterest income to average assets | 0.0391% | 5,555 |
| Noninterest expense to average assets | 3.0521% | 2,004 |
| Loan and lease loss provision to assets | 0.0293% | 3,687 |
| Net operating income to assets | 0.7337% | 3,456 |
| Return on assets (ROA) | 0.7337% | 3,500 |
| Pretax return on assets | 0.8413% | 4,118 |
| Return on Equity (ROE) | 4.5295% | 4,337 |
| Retained earnings to average equity (ytd only) | 0.9059% | 4,661 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8055% | 1,382 |
| Assets per employee ($millions) | 3.6303% | 4,530 |
| Cash dividends to net income (ytd only)* | 80.0000% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 43.7150% | 4,990 |
| Net loans and leases to deposits | 51.5093% | 5,009 |
| Net loans and leases to core deposits | 51.5093% | 5,084 |
| Total domestic deposits to total assets | 84.8682% | 2,885 |
| Equity capital to assets | 15.1226% | 655 |
| Core capital (leverage) ratio | 15.4372% | 550 |
| Tier 1 risk-based capital ratio | 23.7525% | 838 |
| Total risk-based capital ratio | 24.9928% | 825 |
| Memoranda: | ||
| Average total assets | $10,222,400 | 5,663 |
| Average earning assets | $8,288,800 | 5,652 |
| Average equity | $1,655,800 | 5,634 |
| Average total loans | $5,514,200 | 5,615 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 587 |
| Cost of funding earning assets | 0.0658% | 5,646 |
| Net interest margin | 4.9552% | 246 |
| Noninterest income to average assets | 0.0530% | 5,603 |
| Noninterest expense to average assets | 2.9967% | 2,117 |
| Loan and lease loss provision to assets | 0.0132% | 3,882 |
| Net operating income to assets | 0.8884% | 3,081 |
| Return on assets (ROA) | 0.8884% | 3,134 |
| Pretax return on assets | 1.0343% | 3,552 |
| Return on Equity (ROE) | 5.3878% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.3878% | 2,616 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0984% | 1,877 |
| Assets per employee ($millions) | 3.2277% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 62.4910% | 3,599 |
| Net loans and leases to deposits | 75.7796% | 3,393 |
| Net loans and leases to core deposits | 75.7796% | 3,817 |
| Total domestic deposits to total assets | 82.4641% | 3,637 |
| Equity capital to assets | 17.5359% | 376 |
| Core capital (leverage) ratio | 17.0226% | 383 |
| Tier 1 risk-based capital ratio | 24.2260% | 824 |
| Total risk-based capital ratio | 25.4815% | 802 |
| Memoranda: | ||
| Average total assets | $10,055,250 | 5,728 |
| Average earning assets | $8,099,000 | 5,720 |
| Average equity | $1,658,000 | 5,701 |
| Average total loans | $5,680,250 | 5,675 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 1,417 |
| Cost of funding earning assets | 0.0728% | 5,675 |
| Net interest margin | 4.4649% | 615 |
| Noninterest income to average assets | 0.0589% | 5,627 |
| Noninterest expense to average assets | 2.9864% | 2,151 |
| Loan and lease loss provision to assets | 0.0393% | 3,225 |
| Net operating income to assets | 0.5501% | 4,522 |
| Return on assets (ROA) | 0.5501% | 4,560 |
| Pretax return on assets | 0.6484% | 4,690 |
| Return on Equity (ROE) | 3.4049% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.4049% | 3,686 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2834% | 1,077 |
| Assets per employee ($millions) | 3.4283% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 63.7239% | 3,427 |
| Net loans and leases to deposits | 75.9884% | 3,347 |
| Net loans and leases to core deposits | 75.9884% | 3,778 |
| Total domestic deposits to total assets | 83.8600% | 3,255 |
| Equity capital to assets | 16.1303% | 522 |
| Core capital (leverage) ratio | 16.7711% | 387 |
| Tier 1 risk-based capital ratio | 21.5036% | 1,120 |
| Total risk-based capital ratio | 22.6572% | 1,110 |
| Memoranda: | ||
| Average total assets | $10,179,330 | 5,778 |
| Average earning assets | $8,242,000 | 5,766 |
| Average equity | $1,644,670 | 5,753 |
| Average total loans | $5,527,330 | 5,725 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 1,991 |
| Cost of funding earning assets | 0.0487% | 5,788 |
| Net interest margin | 4.2385% | 908 |
| Noninterest income to average assets | 0.0790% | 5,650 |
| Noninterest expense to average assets | 3.0415% | 2,048 |
| Loan and lease loss provision to assets | 0.0395% | 3,014 |
| Net operating income to assets | 0.4345% | 4,843 |
| Return on assets (ROA) | 0.4345% | 4,863 |
| Pretax return on assets | 0.4345% | 5,096 |
| Return on Equity (ROE) | 2.6870% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.6870% | 4,064 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5169% | 761 |
| Assets per employee ($millions) | 3.3530% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 46.8635% | 4,900 |
| Net loans and leases to deposits | 55.9990% | 4,815 |
| Net loans and leases to core deposits | 55.9990% | 4,973 |
| Total domestic deposits to total assets | 83.6863% | 3,585 |
| Equity capital to assets | 16.3237% | 449 |
| Core capital (leverage) ratio | 15.9619% | 467 |
| Tier 1 risk-based capital ratio | 25.4692% | 735 |
| Total risk-based capital ratio | 26.7256% | 715 |
| Memoranda: | ||
| Average total assets | $10,126,500 | 5,845 |
| Average earning assets | $8,210,500 | 5,835 |
| Average equity | $1,637,500 | 5,819 |
| Average total loans | $4,970,000 | 5,798 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 1,497 |
| Cost of funding earning assets | 0.0755% | 5,789 |
| Net interest margin | 4.4390% | 713 |
| Noninterest income to average assets | 0.0509% | 5,771 |
| Noninterest expense to average assets | 3.0522% | 2,173 |
| Loan and lease loss provision to assets | 0.0407% | 3,568 |
| Net operating income to assets | 0.4985% | 4,642 |
| Return on assets (ROA) | 0.4985% | 4,715 |
| Pretax return on assets | 0.5494% | 4,923 |
| Return on Equity (ROE) | 3.0076% | 5,160 |
| Retained earnings to average equity (ytd only) | 1.1662% | 4,824 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7989% | 1,029 |
| Assets per employee ($millions) | 3.3980% | 4,908 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.5684% | 4,796 |
| Net loans and leases to deposits | 59.0373% | 4,735 |
| Net loans and leases to core deposits | 59.0373% | 4,903 |
| Total domestic deposits to total assets | 83.9612% | 3,432 |
| Equity capital to assets | 16.0192% | 498 |
| Core capital (leverage) ratio | 16.7213% | 378 |
| Tier 1 risk-based capital ratio | 24.2537% | 849 |
| Total risk-based capital ratio | 25.5013% | 819 |
| Memoranda: | ||
| Average total assets | $9,829,000 | 5,904 |
| Average earning assets | $7,952,200 | 5,895 |
| Average equity | $1,629,200 | 5,882 |
| Average total loans | $5,181,800 | 5,855 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 1,169 |
| Cost of funding earning assets | 0.0847% | 5,830 |
| Net interest margin | 4.5733% | 532 |
| Noninterest income to average assets | 0.0411% | 5,856 |
| Noninterest expense to average assets | 3.0396% | 2,205 |
| Loan and lease loss provision to assets | 0.0411% | 3,417 |
| Net operating income to assets | 0.6162% | 4,223 |
| Return on assets (ROA) | 0.6162% | 4,343 |
| Pretax return on assets | 0.6572% | 4,719 |
| Return on Equity (ROE) | 3.6849% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.6849% | 3,684 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3187% | 1,272 |
| Assets per employee ($millions) | 2.9763% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 1,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 57.5652% | 4,134 |
| Net loans and leases to deposits | 70.7015% | 3,914 |
| Net loans and leases to core deposits | 70.7015% | 4,268 |
| Total domestic deposits to total assets | 81.4201% | 4,131 |
| Equity capital to assets | 18.5799% | 298 |
| Core capital (leverage) ratio | 18.0621% | 297 |
| Tier 1 risk-based capital ratio | 26.7840% | 656 |
| Total risk-based capital ratio | 28.0433% | 640 |
| Memoranda: | ||
| Average total assets | $9,737,750 | 5,970 |
| Average earning assets | $7,871,500 | 5,963 |
| Average equity | $1,628,250 | 5,948 |
| Average total loans | $5,192,500 | 5,919 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 2,304 |
| Cost of funding earning assets | 0.0979% | 5,861 |
| Net interest margin | 4.1605% | 1,202 |
| Noninterest income to average assets | 0.0400% | 5,934 |
| Noninterest expense to average assets | 2.9778% | 2,419 |
| Loan and lease loss provision to assets | 0.0400% | 3,356 |
| Net operating income to assets | 0.3997% | 5,029 |
| Return on assets (ROA) | 0.3997% | 5,109 |
| Pretax return on assets | 0.4197% | 5,307 |
| Return on Equity (ROE) | 2.4722% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.4722% | 4,308 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6279% | 824 |
| Assets per employee ($millions) | 3.1943% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 2,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.6369% | 3,930 |
| Net loans and leases to deposits | 71.8958% | 3,792 |
| Net loans and leases to core deposits | 71.8958% | 4,187 |
| Total domestic deposits to total assets | 82.9490% | 3,674 |
| Equity capital to assets | 17.0406% | 428 |
| Core capital (leverage) ratio | 16.4335% | 412 |
| Tier 1 risk-based capital ratio | 24.6565% | 838 |
| Total risk-based capital ratio | 25.9248% | 828 |
| Memoranda: | ||
| Average total assets | $10,007,330 | 6,049 |
| Average earning assets | $8,172,000 | 6,039 |
| Average equity | $1,618,000 | 6,024 |
| Average total loans | $5,181,670 | 5,997 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 3,445 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 3.9376% | 1,821 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 2.9356% | 2,586 |
| Loan and lease loss provision to assets | 0.0391% | 3,125 |
| Net operating income to assets | 0.2740% | 5,370 |
| Return on assets (ROA) | 0.2740% | 5,445 |
| Pretax return on assets | 0.2740% | 5,549 |
| Return on Equity (ROE) | 1.7386% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.7386% | 4,573 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3614% | 654 |
| Assets per employee ($millions) | 3.2397% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 1,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 50.5505% | 4,755 |
| Net loans and leases to deposits | 60.6618% | 4,666 |
| Net loans and leases to core deposits | 60.6618% | 4,896 |
| Total domestic deposits to total assets | 83.3316% | 3,779 |
| Equity capital to assets | 16.6684% | 451 |
| Core capital (leverage) ratio | 16.0380% | 465 |
| Tier 1 risk-based capital ratio | 25.9782% | 737 |
| Total risk-based capital ratio | 27.2290% | 719 |
| Memoranda: | ||
| Average total assets | $10,219,500 | 6,113 |
| Average earning assets | $8,431,500 | 6,103 |
| Average equity | $1,610,500 | 6,081 |
| Average total loans | $4,873,000 | 6,062 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,404 |
| Cost of funding earning assets | 0.2092% | 5,202 |
| Net interest margin | 3.7659% | 2,501 |
| Noninterest income to average assets | 0.0463% | 6,020 |
| Noninterest expense to average assets | 2.7103% | 3,545 |
| Loan and lease loss provision to assets | 0.0370% | 3,608 |
| Net operating income to assets | 0.4348% | 4,939 |
| Return on assets (ROA) | 0.4348% | 5,015 |
| Pretax return on assets | 0.4625% | 5,195 |
| Return on Equity (ROE) | 2.9408% | 5,321 |
| Retained earnings to average equity (ytd only) | 1.0637% | 5,091 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4380% | 1,139 |
| Assets per employee ($millions) | 3.5733% | 4,683 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 1,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.5448% | 5,305 |
| Net loans and leases to deposits | 51.2123% | 5,324 |
| Net loans and leases to core deposits | 53.0093% | 5,372 |
| Total domestic deposits to total assets | 85.0280% | 3,079 |
| Equity capital to assets | 14.9347% | 681 |
| Core capital (leverage) ratio | 15.0216% | 611 |
| Tier 1 risk-based capital ratio | 25.4006% | 781 |
| Total risk-based capital ratio | 26.6540% | 764 |
| Memoranda: | ||
| Average total assets | $10,810,800 | 6,169 |
| Average earning assets | $9,081,600 | 6,159 |
| Average equity | $1,598,200 | 6,141 |
| Average total loans | $5,060,400 | 6,118 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,093 |
| Cost of funding earning assets | 0.2200% | 5,185 |
| Net interest margin | 3.8421% | 2,229 |
| Noninterest income to average assets | 0.0492% | 6,099 |
| Noninterest expense to average assets | 2.6583% | 3,693 |
| Loan and lease loss provision to assets | 0.0369% | 3,476 |
| Net operating income to assets | 0.5292% | 4,684 |
| Return on assets (ROA) | 0.5292% | 4,777 |
| Pretax return on assets | 0.5784% | 5,029 |
| Return on Equity (ROE) | 3.5887% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.5887% | 3,914 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2030% | 1,499 |
| Assets per employee ($millions) | 3.3880% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 53.3550% | 4,634 |
| Net loans and leases to deposits | 63.5458% | 4,597 |
| Net loans and leases to core deposits | 65.9331% | 4,694 |
| Total domestic deposits to total assets | 83.9630% | 3,447 |
| Equity capital to assets | 16.0075% | 564 |
| Core capital (leverage) ratio | 15.8423% | 510 |
| Tier 1 risk-based capital ratio | 24.5808% | 891 |
| Total risk-based capital ratio | 25.8045% | 880 |
| Memoranda: | ||
| Average total assets | $10,833,500 | 6,256 |
| Average earning assets | $9,092,000 | 6,245 |
| Average equity | $1,597,500 | 6,224 |
| Average total loans | $5,138,000 | 6,199 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 4,693 |
| Cost of funding earning assets | 0.2579% | 4,861 |
| Net interest margin | 3.3529% | 4,096 |
| Noninterest income to average assets | 0.0362% | 6,206 |
| Noninterest expense to average assets | 2.5686% | 4,008 |
| Loan and lease loss provision to assets | 0.0362% | 3,403 |
| Net operating income to assets | 0.2532% | 5,573 |
| Return on assets (ROA) | 0.2532% | 5,652 |
| Pretax return on assets | 0.2532% | 5,733 |
| Return on Equity (ROE) | 1.7636% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.7636% | 4,816 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8734% | 762 |
| Assets per employee ($millions) | 3.5520% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.0394% | 4,451 |
| Net loans and leases to deposits | 64.7494% | 4,464 |
| Net loans and leases to core deposits | 67.0362% | 4,567 |
| Total domestic deposits to total assets | 85.0038% | 3,119 |
| Equity capital to assets | 14.9869% | 706 |
| Core capital (leverage) ratio | 14.7529% | 662 |
| Tier 1 risk-based capital ratio | 23.4233% | 1,024 |
| Total risk-based capital ratio | 24.5673% | 1,015 |
| Memoranda: | ||
| Average total assets | $11,056,670 | 6,332 |
| Average earning assets | $9,305,330 | 6,318 |
| Average equity | $1,587,670 | 6,301 |
| Average total loans | $5,016,000 | 6,277 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 5,330 |
| Cost of funding earning assets | 0.2512% | 5,009 |
| Net interest margin | 3.0977% | 4,962 |
| Noninterest income to average assets | 0.0711% | 6,174 |
| Noninterest expense to average assets | 2.6295% | 3,827 |
| Loan and lease loss provision to assets | 0.0355% | 3,190 |
| Net operating income to assets | 0.0355% | 5,974 |
| Return on assets (ROA) | 0.0355% | 6,015 |
| Pretax return on assets | 0.0355% | 6,012 |
| Return on Equity (ROE) | 0.2527% | 6,016 |
| Retained earnings to average equity (ytd only) | 0.2527% | 5,284 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3684% | 454 |
| Assets per employee ($millions) | 3.7003% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 40.9242% | 5,550 |
| Net loans and leases to deposits | 47.7457% | 5,578 |
| Net loans and leases to core deposits | 49.3483% | 5,619 |
| Total domestic deposits to total assets | 85.7130% | 3,087 |
| Equity capital to assets | 14.2600% | 901 |
| Core capital (leverage) ratio | 14.2664% | 751 |
| Tier 1 risk-based capital ratio | 25.4175% | 843 |
| Total risk-based capital ratio | 26.6538% | 828 |
| Memoranda: | ||
| Average total assets | $11,257,000 | 6,399 |
| Average earning assets | $9,555,500 | 6,386 |
| Average equity | $1,583,000 | 6,368 |
| Average total loans | $4,551,500 | 6,351 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 4,128 |
| Cost of funding earning assets | 0.2487% | 5,334 |
| Net interest margin | 3.6477% | 3,222 |
| Noninterest income to average assets | 0.0438% | 6,304 |
| Noninterest expense to average assets | 2.5780% | 4,301 |
| Loan and lease loss provision to assets | 0.0351% | 3,887 |
| Net operating income to assets | 0.3858% | 5,266 |
| Return on assets (ROA) | 0.3858% | 5,336 |
| Pretax return on assets | 0.5173% | 5,204 |
| Return on Equity (ROE) | 2.7676% | 5,552 |
| Retained earnings to average equity (ytd only) | 0.5661% | 5,517 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 1,620 |
| Assets per employee ($millions) | 3.8043% | 4,336 |
| Cash dividends to net income (ytd only)* | 79.5455% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 1,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 38.5701% | 5,819 |
| Net loans and leases to deposits | 44.8041% | 5,851 |
| Net loans and leases to core deposits | 46.2541% | 5,880 |
| Total domestic deposits to total assets | 86.0860% | 2,792 |
| Equity capital to assets | 13.8701% | 1,005 |
| Core capital (leverage) ratio | 13.6513% | 919 |
| Tier 1 risk-based capital ratio | 25.8322% | 773 |
| Total risk-based capital ratio | 27.0888% | 758 |
| Memoranda: | ||
| Average total assets | $11,404,400 | 6,488 |
| Average earning assets | $9,650,000 | 6,476 |
| Average equity | $1,589,800 | 6,449 |
| Average total loans | $5,336,200 | 6,432 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,535 |
| Cost of funding earning assets | 0.2491% | 5,420 |
| Net interest margin | 3.8062% | 2,601 |
| Noninterest income to average assets | 0.0467% | 6,392 |
| Noninterest expense to average assets | 2.5491% | 4,366 |
| Loan and lease loss provision to assets | 0.0351% | 3,702 |
| Net operating income to assets | 0.5262% | 4,772 |
| Return on assets (ROA) | 0.5262% | 4,844 |
| Pretax return on assets | 0.6782% | 4,770 |
| Return on Equity (ROE) | 3.7700% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.7700% | 3,973 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1362% | 2,163 |
| Assets per employee ($millions) | 3.6143% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 2,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.4763% | 5,417 |
| Net loans and leases to deposits | 53.4990% | 5,421 |
| Net loans and leases to core deposits | 55.3485% | 5,484 |
| Total domestic deposits to total assets | 85.0042% | 3,335 |
| Equity capital to assets | 14.9405% | 743 |
| Core capital (leverage) ratio | 15.0908% | 603 |
| Tier 1 risk-based capital ratio | 26.4966% | 749 |
| Total risk-based capital ratio | 27.7560% | 729 |
| Memoranda: | ||
| Average total assets | $11,402,250 | 6,568 |
| Average earning assets | $9,633,250 | 6,555 |
| Average equity | $1,591,500 | 6,527 |
| Average total loans | $5,550,000 | 6,503 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 4,484 |
| Cost of funding earning assets | 0.2446% | 5,539 |
| Net interest margin | 3.5667% | 3,501 |
| Noninterest income to average assets | 0.0518% | 6,440 |
| Noninterest expense to average assets | 2.5197% | 4,511 |
| Loan and lease loss provision to assets | 0.0345% | 3,599 |
| Net operating income to assets | 0.3452% | 5,420 |
| Return on assets (ROA) | 0.3452% | 5,492 |
| Pretax return on assets | 0.5177% | 5,232 |
| Return on Equity (ROE) | 2.5284% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.5284% | 4,590 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0225% | 1,741 |
| Assets per employee ($millions) | 3.5917% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.5568% | 4,189 |
| Net loans and leases to deposits | 66.4051% | 4,233 |
| Net loans and leases to core deposits | 68.7112% | 4,399 |
| Total domestic deposits to total assets | 85.1694% | 3,424 |
| Equity capital to assets | 14.7935% | 751 |
| Core capital (leverage) ratio | 14.2360% | 767 |
| Tier 1 risk-based capital ratio | 23.0480% | 1,101 |
| Total risk-based capital ratio | 24.1614% | 1,109 |
| Memoranda: | ||
| Average total assets | $11,588,670 | 6,634 |
| Average earning assets | $9,813,000 | 6,622 |
| Average equity | $1,582,000 | 6,594 |
| Average total loans | $5,730,330 | 6,566 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5695% | 5,245 |
| Cost of funding earning assets | 0.2354% | 5,707 |
| Net interest margin | 3.3342% | 4,403 |
| Noninterest income to average assets | 0.0667% | 6,435 |
| Noninterest expense to average assets | 2.4676% | 4,727 |
| Loan and lease loss provision to assets | 0.0333% | 3,382 |
| Net operating income to assets | 0.1334% | 5,962 |
| Return on assets (ROA) | 0.1334% | 5,998 |
| Pretax return on assets | 0.4002% | 5,454 |
| Return on Equity (ROE) | 1.0152% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.0152% | 5,193 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0575% | 1,538 |
| Assets per employee ($millions) | 4.0410% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 40.3943% | 5,781 |
| Net loans and leases to deposits | 46.4655% | 5,821 |
| Net loans and leases to core deposits | 47.8643% | 5,881 |
| Total domestic deposits to total assets | 86.9339% | 2,855 |
| Equity capital to assets | 13.0166% | 1,299 |
| Core capital (leverage) ratio | 13.1555% | 1,104 |
| Tier 1 risk-based capital ratio | 24.7491% | 914 |
| Total risk-based capital ratio | 25.9410% | 901 |
| Memoranda: | ||
| Average total assets | $11,995,500 | 6,705 |
| Average earning assets | $10,197,500 | 6,691 |
| Average equity | $1,576,000 | 6,658 |
| Average total loans | $5,510,000 | 6,637 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,731 |
| Cost of funding earning assets | 0.2629% | 5,889 |
| Net interest margin | 3.8387% | 2,504 |
| Noninterest income to average assets | 0.0423% | 6,571 |
| Noninterest expense to average assets | 2.4039% | 5,060 |
| Loan and lease loss provision to assets | 0.0339% | 4,441 |
| Net operating income to assets | 0.6941% | 3,818 |
| Return on assets (ROA) | 0.6941% | 3,914 |
| Pretax return on assets | 0.6941% | 4,562 |
| Return on Equity (ROE) | 5.1925% | 4,542 |
| Retained earnings to average equity (ytd only) | 1.3931% | 5,199 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7568% | 2,664 |
| Assets per employee ($millions) | 3.9560% | 3,955 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 4,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 50.3202% | 5,048 |
| Net loans and leases to deposits | 58.0482% | 5,117 |
| Net loans and leases to core deposits | 58.0482% | 5,390 |
| Total domestic deposits to total assets | 86.6869% | 2,881 |
| Equity capital to assets | 13.2626% | 1,155 |
| Core capital (leverage) ratio | 13.2047% | 1,051 |
| Tier 1 risk-based capital ratio | 22.5825% | 1,166 |
| Total risk-based capital ratio | 23.6585% | 1,170 |
| Memoranda: | ||
| Average total assets | $11,814,000 | 6,785 |
| Average earning assets | $9,508,400 | 6,778 |
| Average equity | $1,579,200 | 6,749 |
| Average total loans | $5,727,800 | 6,715 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,914 |
| Cost of funding earning assets | 0.2552% | 6,047 |
| Net interest margin | 3.7996% | 2,641 |
| Noninterest income to average assets | 0.0452% | 6,651 |
| Noninterest expense to average assets | 2.2710% | 5,432 |
| Loan and lease loss provision to assets | 0.0339% | 4,343 |
| Net operating income to assets | 0.7683% | 3,517 |
| Return on assets (ROA) | 0.7683% | 3,644 |
| Pretax return on assets | 0.7683% | 4,429 |
| Return on Equity (ROE) | 5.7362% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.7362% | 2,572 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8971% | 3,088 |
| Assets per employee ($millions) | 3.8317% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 52.0400% | 4,868 |
| Net loans and leases to deposits | 60.6079% | 4,908 |
| Net loans and leases to core deposits | 60.6079% | 5,249 |
| Total domestic deposits to total assets | 85.8634% | 3,335 |
| Equity capital to assets | 14.0844% | 944 |
| Core capital (leverage) ratio | 14.0222% | 866 |
| Tier 1 risk-based capital ratio | 23.5149% | 1,068 |
| Total risk-based capital ratio | 24.5897% | 1,070 |
| Memoranda: | ||
| Average total assets | $11,800,500 | 6,862 |
| Average earning assets | $9,404,250 | 6,858 |
| Average equity | $1,580,500 | 6,831 |
| Average total loans | $5,648,000 | 6,796 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 4,755 |
| Cost of funding earning assets | 0.2776% | 6,001 |
| Net interest margin | 3.5446% | 3,587 |
| Noninterest income to average assets | 0.0504% | 6,671 |
| Noninterest expense to average assets | 2.2181% | 5,583 |
| Loan and lease loss provision to assets | 0.0336% | 4,268 |
| Net operating income to assets | 0.5881% | 4,357 |
| Return on assets (ROA) | 0.5881% | 4,538 |
| Pretax return on assets | 0.5881% | 5,061 |
| Return on Equity (ROE) | 4.4652% | 5,017 |
| Retained earnings to average equity (ytd only) | 4.4652% | 3,422 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1065% | 2,437 |
| Assets per employee ($millions) | 3.7923% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 4,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.2681% | 5,080 |
| Net loans and leases to deposits | 58.4466% | 5,122 |
| Net loans and leases to core deposits | 58.4466% | 5,381 |
| Total domestic deposits to total assets | 86.0069% | 3,363 |
| Equity capital to assets | 13.9492% | 985 |
| Core capital (leverage) ratio | 13.8000% | 879 |
| Tier 1 risk-based capital ratio | 23.3657% | 1,078 |
| Total risk-based capital ratio | 24.4405% | 1,086 |
| Memoranda: | ||
| Average total assets | $11,902,330 | 6,911 |
| Average earning assets | $9,366,330 | 6,907 |
| Average equity | $1,567,670 | 6,877 |
| Average total loans | $5,512,000 | 6,847 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 5,337 |
| Cost of funding earning assets | 0.3034% | 5,942 |
| Net interest margin | 3.3369% | 4,369 |
| Noninterest income to average assets | 0.0658% | 6,686 |
| Noninterest expense to average assets | 2.1702% | 5,762 |
| Loan and lease loss provision to assets | 0.0329% | 4,033 |
| Net operating income to assets | 0.3946% | 5,151 |
| Return on assets (ROA) | 0.3946% | 5,297 |
| Pretax return on assets | 0.3946% | 5,573 |
| Return on Equity (ROE) | 3.0809% | 5,557 |
| Retained earnings to average equity (ytd only) | 3.0809% | 4,434 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5443% | 1,828 |
| Assets per employee ($millions) | 4.0670% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 40.1524% | 5,982 |
| Net loans and leases to deposits | 46.0735% | 6,051 |
| Net loans and leases to core deposits | 46.0735% | 6,208 |
| Total domestic deposits to total assets | 87.1486% | 2,867 |
| Equity capital to assets | 12.8186% | 1,518 |
| Core capital (leverage) ratio | 12.7517% | 1,216 |
| Tier 1 risk-based capital ratio | 24.7664% | 920 |
| Total risk-based capital ratio | 25.9066% | 921 |
| Memoranda: | ||
| Average total assets | $12,165,000 | 6,987 |
| Average earning assets | $9,230,000 | 6,983 |
| Average equity | $1,558,000 | 6,948 |
| Average total loans | $5,372,000 | 6,923 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 4,435 |
| Cost of funding earning assets | 0.5212% | 5,065 |
| Net interest margin | 3.7198% | 3,557 |
| Noninterest income to average assets | 0.0431% | 6,718 |
| Noninterest expense to average assets | 2.2420% | 5,828 |
| Loan and lease loss provision to assets | 0.0259% | 5,570 |
| Net operating income to assets | 0.3967% | 5,113 |
| Return on assets (ROA) | 0.3967% | 5,356 |
| Pretax return on assets | 0.4829% | 5,332 |
| Return on Equity (ROE) | 2.9616% | 5,562 |
| Retained earnings to average equity (ytd only) | 0.7082% | 5,516 |
| Net charge-offs to loans | 0.0800% | 4,868 |
| Credit loss provision to net charge-offs | 75.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,714 |
| Efficiency ratio | 81.5047% | 1,942 |
| Assets per employee ($millions) | 4.0430% | 3,859 |
| Cash dividends to net income (ytd only)* | 76.0870% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 4,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 47.0113% | 5,508 |
| Net loans and leases to deposits | 53.9655% | 5,654 |
| Net loans and leases to core deposits | 53.9655% | 5,877 |
| Total domestic deposits to total assets | 87.1135% | 2,766 |
| Equity capital to assets | 12.7958% | 1,542 |
| Core capital (leverage) ratio | 12.9701% | 1,120 |
| Tier 1 risk-based capital ratio | 22.7100% | 1,151 |
| Total risk-based capital ratio | 23.0465% | 1,277 |
| Memoranda: | ||
| Average total assets | $11,597,000 | 7,055 |
| Average earning assets | $8,441,400 | 7,055 |
| Average equity | $1,553,200 | 7,021 |
| Average total loans | $5,002,400 | 7,003 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 4,102 |
| Cost of funding earning assets | 0.5731% | 4,883 |
| Net interest margin | 3.8146% | 3,270 |
| Noninterest income to average assets | 0.0465% | 6,817 |
| Noninterest expense to average assets | 2.2098% | 5,929 |
| Loan and lease loss provision to assets | 0.0233% | 5,502 |
| Net operating income to assets | 0.4303% | 5,118 |
| Return on assets (ROA) | 0.4303% | 5,354 |
| Pretax return on assets | 0.5234% | 5,397 |
| Return on Equity (ROE) | 3.1754% | 5,614 |
| Retained earnings to average equity (ytd only) | 3.1754% | 4,635 |
| Net charge-offs to loans | 0.1108% | 4,284 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 11.7580% | 2,053 |
| Efficiency ratio | 80.1688% | 2,073 |
| Assets per employee ($millions) | 3.7673% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 39.3824% | 6,329 |
| Net loans and leases to deposits | 45.8393% | 6,395 |
| Net loans and leases to core deposits | 45.8393% | 6,519 |
| Total domestic deposits to total assets | 85.9140% | 3,302 |
| Equity capital to assets | 13.9533% | 1,174 |
| Core capital (leverage) ratio | 14.4945% | 709 |
| Tier 1 risk-based capital ratio | 27.2507% | 722 |
| Total risk-based capital ratio | 28.4603% | 708 |
| Memoranda: | ||
| Average total assets | $11,464,000 | 7,153 |
| Average earning assets | $8,144,000 | 7,156 |
| Average equity | $1,553,500 | 7,116 |
| Average total loans | $4,809,750 | 7,099 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 5,462 |
| Cost of funding earning assets | 0.6316% | 4,614 |
| Net interest margin | 3.4254% | 4,988 |
| Noninterest income to average assets | 0.0347% | 6,907 |
| Noninterest expense to average assets | 2.1705% | 6,079 |
| Loan and lease loss provision to assets | 0.0347% | 5,237 |
| Net operating income to assets | 0.1736% | 5,993 |
| Return on assets (ROA) | 0.1736% | 6,166 |
| Pretax return on assets | 0.2778% | 5,996 |
| Return on Equity (ROE) | 1.2939% | 6,237 |
| Retained earnings to average equity (ytd only) | 1.2939% | 5,546 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4126% | 1,295 |
| Assets per employee ($millions) | 3.8080% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 4,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.4744% | 5,865 |
| Net loans and leases to deposits | 52.6930% | 5,979 |
| Net loans and leases to core deposits | 52.6930% | 6,188 |
| Total domestic deposits to total assets | 86.3008% | 3,193 |
| Equity capital to assets | 13.5854% | 1,270 |
| Core capital (leverage) ratio | 13.2661% | 1,066 |
| Tier 1 risk-based capital ratio | 24.1782% | 993 |
| Total risk-based capital ratio | 25.3155% | 986 |
| Memoranda: | ||
| Average total assets | $11,518,000 | 7,213 |
| Average earning assets | $8,232,670 | 7,216 |
| Average equity | $1,545,670 | 7,171 |
| Average total loans | $4,906,000 | 7,160 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 4,815 |
| Cost of funding earning assets | 0.7464% | 3,891 |
| Net interest margin | 3.5330% | 4,560 |
| Noninterest income to average assets | 0.0692% | 6,860 |
| Noninterest expense to average assets | 2.2482% | 5,903 |
| Loan and lease loss provision to assets | 0.0346% | 4,949 |
| Net operating income to assets | 0.1729% | 6,058 |
| Return on assets (ROA) | 0.1729% | 6,199 |
| Pretax return on assets | 0.2421% | 6,102 |
| Return on Equity (ROE) | 1.2966% | 6,288 |
| Retained earnings to average equity (ytd only) | 1.2966% | 5,579 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0411% | 1,170 |
| Assets per employee ($millions) | 3.9353% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 36.9134% | 6,563 |
| Net loans and leases to deposits | 42.5129% | 6,634 |
| Net loans and leases to core deposits | 42.5129% | 6,720 |
| Total domestic deposits to total assets | 86.8287% | 3,050 |
| Equity capital to assets | 13.0866% | 1,404 |
| Core capital (leverage) ratio | 13.1927% | 1,058 |
| Tier 1 risk-based capital ratio | 26.9445% | 739 |
| Total risk-based capital ratio | 28.2002% | 725 |
| Memoranda: | ||
| Average total assets | $11,565,000 | 7,276 |
| Average earning assets | $8,038,500 | 7,280 |
| Average equity | $1,542,500 | 7,227 |
| Average total loans | $4,725,000 | 7,221 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 3,893 |
| Cost of funding earning assets | 0.9322% | 3,853 |
| Net interest margin | 3.8498% | 3,570 |
| Noninterest income to average assets | 0.0591% | 6,804 |
| Noninterest expense to average assets | 2.4802% | 5,533 |
| Loan and lease loss provision to assets | 0.0394% | 6,081 |
| Net operating income to assets | 0.5807% | 4,094 |
| Return on assets (ROA) | 0.5807% | 4,279 |
| Pretax return on assets | 0.6693% | 4,443 |
| Return on Equity (ROE) | 3.8332% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.2344% | 5,277 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,620 |
| Assets per employee ($millions) | 3.7747% | 4,382 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 43.6948% | 6,234 |
| Net loans and leases to deposits | 50.6760% | 6,317 |
| Net loans and leases to core deposits | 50.6760% | 6,494 |
| Total domestic deposits to total assets | 86.2239% | 3,184 |
| Equity capital to assets | 13.5994% | 1,222 |
| Core capital (leverage) ratio | 14.1194% | 793 |
| Tier 1 risk-based capital ratio | 25.3832% | 832 |
| Total risk-based capital ratio | 26.5535% | 819 |
| Memoranda: | ||
| Average total assets | $10,160,400 | 7,333 |
| Average earning assets | $8,260,200 | 7,327 |
| Average equity | $1,539,200 | 7,287 |
| Average total loans | $5,224,400 | 7,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 3,939 |
| Cost of funding earning assets | 0.9382% | 4,128 |
| Net interest margin | 3.8824% | 3,468 |
| Noninterest income to average assets | 0.0676% | 6,884 |
| Noninterest expense to average assets | 2.5127% | 5,423 |
| Loan and lease loss provision to assets | 0.0405% | 5,932 |
| Net operating income to assets | 0.6485% | 3,876 |
| Return on assets (ROA) | 0.6485% | 4,050 |
| Pretax return on assets | 0.7566% | 4,292 |
| Return on Equity (ROE) | 4.1585% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.1585% | 3,769 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9184% | 2,857 |
| Assets per employee ($millions) | 3.4617% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 51.0448% | 5,571 |
| Net loans and leases to deposits | 60.2797% | 5,598 |
| Net loans and leases to core deposits | 60.2797% | 5,968 |
| Total domestic deposits to total assets | 84.6798% | 3,927 |
| Equity capital to assets | 15.1180% | 826 |
| Core capital (leverage) ratio | 15.3605% | 600 |
| Tier 1 risk-based capital ratio | 26.4221% | 796 |
| Total risk-based capital ratio | 27.6001% | 779 |
| Memoranda: | ||
| Average total assets | $9,869,500 | 7,412 |
| Average earning assets | $8,242,000 | 7,406 |
| Average equity | $1,539,000 | 7,358 |
| Average total loans | $5,275,500 | 7,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 5,496 |
| Cost of funding earning assets | 0.9108% | 4,580 |
| Net interest margin | 3.5473% | 4,931 |
| Noninterest income to average assets | 0.0619% | 6,995 |
| Noninterest expense to average assets | 2.6398% | 5,039 |
| Loan and lease loss provision to assets | 0.0412% | 5,793 |
| Net operating income to assets | 0.3094% | 5,337 |
| Return on assets (ROA) | 0.3094% | 5,473 |
| Pretax return on assets | 0.4331% | 5,286 |
| Return on Equity (ROE) | 1.9625% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.9625% | 4,997 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7682% | 1,730 |
| Assets per employee ($millions) | 3.4613% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 5,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 52.9661% | 5,441 |
| Net loans and leases to deposits | 62.2947% | 5,462 |
| Net loans and leases to core deposits | 62.2947% | 5,878 |
| Total domestic deposits to total assets | 85.0250% | 3,865 |
| Equity capital to assets | 14.8112% | 860 |
| Core capital (leverage) ratio | 15.1751% | 637 |
| Tier 1 risk-based capital ratio | 24.2740% | 978 |
| Total risk-based capital ratio | 25.3788% | 972 |
| Memoranda: | ||
| Average total assets | $9,697,670 | 7,487 |
| Average earning assets | $8,344,330 | 7,481 |
| Average equity | $1,528,670 | 7,432 |
| Average total loans | $5,243,670 | 7,409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 5,853 |
| Cost of funding earning assets | 0.8983% | 4,935 |
| Net interest margin | 3.4515% | 5,215 |
| Noninterest income to average assets | 0.0855% | 6,979 |
| Noninterest expense to average assets | 2.8222% | 4,367 |
| Loan and lease loss provision to assets | 0.0428% | 5,457 |
| Net operating income to assets | 0.1710% | 5,884 |
| Return on assets (ROA) | 0.1710% | 5,930 |
| Pretax return on assets | 0.3421% | 5,532 |
| Return on Equity (ROE) | 1.0499% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.0499% | 5,405 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0000% | 1,514 |
| Assets per employee ($millions) | 3.2517% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.0415% | 5,953 |
| Net loans and leases to deposits | 58.2349% | 5,902 |
| Net loans and leases to core deposits | 58.2349% | 6,233 |
| Total domestic deposits to total assets | 84.2132% | 4,406 |
| Equity capital to assets | 15.6433% | 640 |
| Core capital (leverage) ratio | 15.8348% | 531 |
| Tier 1 risk-based capital ratio | 26.9564% | 713 |
| Total risk-based capital ratio | 28.1752% | 696 |
| Memoranda: | ||
| Average total assets | $9,354,500 | 7,549 |
| Average earning assets | $8,460,000 | 7,538 |
| Average equity | $1,524,000 | 7,484 |
| Average total loans | $5,080,500 | 7,472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 4,325 |
| Cost of funding earning assets | 0.9122% | 6,121 |
| Net interest margin | 4.1359% | 2,426 |
| Noninterest income to average assets | 0.0802% | 6,987 |
| Noninterest expense to average assets | 2.8285% | 4,484 |
| Loan and lease loss provision to assets | 0.0458% | 6,705 |
| Net operating income to assets | 0.8474% | 2,599 |
| Return on assets (ROA) | 0.8474% | 2,736 |
| Pretax return on assets | 0.9963% | 2,942 |
| Return on Equity (ROE) | 4.8614% | 4,129 |
| Retained earnings to average equity (ytd only) | 1.5767% | 4,738 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 3,583 |
| Assets per employee ($millions) | 2.9847% | 6,131 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 5,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.5213% | 4,955 |
| Net loans and leases to deposits | 70.6962% | 4,729 |
| Net loans and leases to core deposits | 70.6962% | 5,372 |
| Total domestic deposits to total assets | 82.7786% | 4,893 |
| Equity capital to assets | 16.9980% | 458 |
| Core capital (leverage) ratio | 17.0056% | 399 |
| Tier 1 risk-based capital ratio | 25.9771% | 757 |
| Total risk-based capital ratio | 27.1377% | 745 |
| Memoranda: | ||
| Average total assets | $8,732,400 | 7,637 |
| Average earning assets | $8,003,000 | 7,620 |
| Average equity | $1,522,200 | 7,587 |
| Average total loans | $5,182,000 | 7,555 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 4,019 |
| Cost of funding earning assets | 0.9480% | 6,188 |
| Net interest margin | 4.2155% | 2,170 |
| Noninterest income to average assets | 0.0922% | 7,084 |
| Noninterest expense to average assets | 2.7352% | 4,746 |
| Loan and lease loss provision to assets | 0.0461% | 6,628 |
| Net operating income to assets | 0.9681% | 2,340 |
| Return on assets (ROA) | 0.9681% | 2,462 |
| Pretax return on assets | 1.1371% | 2,709 |
| Return on Equity (ROE) | 5.5181% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.5181% | 2,636 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8039% | 4,109 |
| Assets per employee ($millions) | 2.7480% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 68.2921% | 3,142 |
| Net loans and leases to deposits | 84.5218% | 2,614 |
| Net loans and leases to core deposits | 84.5218% | 3,872 |
| Total domestic deposits to total assets | 80.7982% | 5,451 |
| Equity capital to assets | 18.9350% | 352 |
| Core capital (leverage) ratio | 19.1887% | 286 |
| Tier 1 risk-based capital ratio | 25.3368% | 837 |
| Total risk-based capital ratio | 26.4243% | 831 |
| Memoranda: | ||
| Average total assets | $8,677,000 | 7,741 |
| Average earning assets | $7,875,500 | 7,724 |
| Average equity | $1,522,250 | 7,687 |
| Average total loans | $5,150,500 | 7,651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 5,556 |
| Cost of funding earning assets | 0.9580% | 6,345 |
| Net interest margin | 3.9077% | 3,410 |
| Noninterest income to average assets | 0.0680% | 7,240 |
| Noninterest expense to average assets | 2.7434% | 4,726 |
| Loan and lease loss provision to assets | 0.0453% | 6,517 |
| Net operating income to assets | 0.5895% | 3,920 |
| Return on assets (ROA) | 0.5895% | 4,062 |
| Pretax return on assets | 0.7935% | 3,905 |
| Return on Equity (ROE) | 3.4452% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.4452% | 3,916 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5823% | 2,968 |
| Assets per employee ($millions) | 2.7493% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.6707% | 3,694 |
| Net loans and leases to deposits | 81.9767% | 3,277 |
| Net loans and leases to core deposits | 81.9767% | 4,420 |
| Total domestic deposits to total assets | 81.3288% | 5,279 |
| Equity capital to assets | 18.4772% | 379 |
| Core capital (leverage) ratio | 17.6716% | 379 |
| Tier 1 risk-based capital ratio | 25.7781% | 786 |
| Total risk-based capital ratio | 26.8945% | 786 |
| Memoranda: | ||
| Average total assets | $8,821,330 | 7,807 |
| Average earning assets | $7,933,000 | 7,790 |
| Average equity | $1,509,330 | 7,755 |
| Average total loans | $4,968,330 | 7,724 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 5,528 |
| Cost of funding earning assets | 1.0581% | 6,095 |
| Net interest margin | 3.8294% | 3,670 |
| Noninterest income to average assets | 0.0439% | 7,491 |
| Noninterest expense to average assets | 2.7229% | 4,802 |
| Loan and lease loss provision to assets | 0.0439% | 6,231 |
| Net operating income to assets | 0.3513% | 5,074 |
| Return on assets (ROA) | 0.3513% | 5,194 |
| Pretax return on assets | 0.6148% | 4,550 |
| Return on Equity (ROE) | 2.1305% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.1305% | 4,856 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5195% | 2,488 |
| Assets per employee ($millions) | 3.0660% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 4,388 |
| Loan loss allowance to noncurrent loans | 433.3333% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 7,067 |
| Noncurrent loans to loans | 0.3247% | 6,652 |
| Net loans and leases to total assets | 49.5108% | 6,526 |
| Net loans and leases to deposits | 59.3587% | 6,525 |
| Net loans and leases to core deposits | 59.3587% | 6,791 |
| Total domestic deposits to total assets | 83.4094% | 4,422 |
| Equity capital to assets | 16.3731% | 619 |
| Core capital (leverage) ratio | 16.3005% | 533 |
| Tier 1 risk-based capital ratio | 28.5823% | 596 |
| Total risk-based capital ratio | 29.8159% | 591 |
| Memoranda: | ||
| Average total assets | $9,108,000 | 7,903 |
| Average earning assets | $7,938,500 | 7,892 |
| Average equity | $1,502,000 | 7,841 |
| Average total loans | $4,670,000 | 7,831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 4,408 |
| Cost of funding earning assets | 1.4109% | 5,887 |
| Net interest margin | 4.0445% | 2,670 |
| Noninterest income to average assets | 0.0733% | 7,388 |
| Noninterest expense to average assets | 3.1639% | 3,499 |
| Loan and lease loss provision to assets | 0.0366% | 7,174 |
| Net operating income to assets | 0.5497% | 3,529 |
| Return on assets (ROA) | 0.5497% | 3,616 |
| Pretax return on assets | 0.5497% | 4,049 |
| Return on Equity (ROE) | 3.0153% | 4,490 |
| Retained earnings to average equity (ytd only) | 1.0051% | 4,329 |
| Net charge-offs to loans | 0.0575% | 6,520 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,278 |
| Efficiency ratio | 84.3648% | 2,307 |
| Assets per employee ($millions) | 3.0060% | 6,211 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 4,455 |
| Loan loss allowance to noncurrent loans | 426.6667% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 7,064 |
| Noncurrent loans to loans | 0.3177% | 6,643 |
| Net loans and leases to total assets | 51.6412% | 6,462 |
| Net loans and leases to deposits | 62.2178% | 6,441 |
| Net loans and leases to core deposits | 66.2164% | 6,969 |
| Total domestic deposits to total assets | 83.0007% | 4,520 |
| Equity capital to assets | 16.6112% | 598 |
| Core capital (leverage) ratio | 17.0150% | 490 |
| Tier 1 risk-based capital ratio | 28.6315% | 600 |
| Total risk-based capital ratio | 29.8547% | 589 |
| Memoranda: | ||
| Average total assets | $8,186,000 | 7,990 |
| Average earning assets | $7,442,200 | 7,977 |
| Average equity | $1,492,400 | 7,930 |
| Average total loans | $5,220,000 | 7,884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 3,949 |
| Cost of funding earning assets | 1.4784% | 5,921 |
| Net interest margin | 4.1065% | 2,368 |
| Noninterest income to average assets | 0.0668% | 7,576 |
| Noninterest expense to average assets | 3.1920% | 3,324 |
| Loan and lease loss provision to assets | 0.0501% | 6,869 |
| Net operating income to assets | 0.5850% | 3,653 |
| Return on assets (ROA) | 0.5850% | 3,724 |
| Pretax return on assets | 0.5850% | 4,230 |
| Return on Equity (ROE) | 3.1301% | 4,734 |
| Retained earnings to average equity (ytd only) | 3.1301% | 3,571 |
| Net charge-offs to loans | 0.0748% | 5,941 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 12.6675% | 1,737 |
| Efficiency ratio | 83.4061% | 2,369 |
| Assets per employee ($millions) | 2.6937% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,688 |
| Loan loss allowance to noncurrent loans | 37.0588% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1037% | 3,209 |
| Noncurrent loans to loans | 2.9835% | 2,532 |
| Net loans and leases to total assets | 69.7315% | 3,574 |
| Net loans and leases to deposits | 86.3734% | 3,247 |
| Net loans and leases to core deposits | 92.8030% | 5,152 |
| Total domestic deposits to total assets | 80.7326% | 5,182 |
| Equity capital to assets | 18.7724% | 437 |
| Core capital (leverage) ratio | 18.5249% | 416 |
| Tier 1 risk-based capital ratio | 25.6120% | 847 |
| Total risk-based capital ratio | 26.6757% | 839 |
| Memoranda: | ||
| Average total assets | $7,978,000 | 8,076 |
| Average earning assets | $7,305,250 | 8,063 |
| Average equity | $1,491,000 | 8,013 |
| Average total loans | $5,344,750 | 7,961 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 6,242 |
| Cost of funding earning assets | 1.5543% | 5,904 |
| Net interest margin | 3.5995% | 4,361 |
| Noninterest income to average assets | 0.0755% | 7,609 |
| Noninterest expense to average assets | 3.2730% | 3,068 |
| Loan and lease loss provision to assets | 0.0504% | 6,725 |
| Net operating income to assets | 0.0755% | 5,635 |
| Return on assets (ROA) | 0.0755% | 5,726 |
| Pretax return on assets | 0.0755% | 5,729 |
| Return on Equity (ROE) | 0.4048% | 5,811 |
| Retained earnings to average equity (ytd only) | 0.4048% | 5,055 |
| Net charge-offs to loans | 0.0765% | 5,442 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,814 |
| Efficiency ratio | 96.2963% | 1,354 |
| Assets per employee ($millions) | 2.7797% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,421 |
| Loan loss allowance to noncurrent loans | 37.0588% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 2.0386% | 3,145 |
| Noncurrent loans to loans | 3.0357% | 2,375 |
| Net loans and leases to total assets | 66.3988% | 4,480 |
| Net loans and leases to deposits | 81.1758% | 4,364 |
| Net loans and leases to core deposits | 84.2642% | 6,071 |
| Total domestic deposits to total assets | 81.7964% | 4,772 |
| Equity capital to assets | 17.8319% | 567 |
| Core capital (leverage) ratio | 17.9308% | 516 |
| Tier 1 risk-based capital ratio | 25.4493% | 905 |
| Total risk-based capital ratio | 26.5275% | 896 |
| Memoranda: | ||
| Average total assets | $7,943,670 | 8,170 |
| Average earning assets | $7,334,330 | 8,157 |
| Average equity | $1,482,330 | 8,098 |
| Average total loans | $5,227,000 | 8,052 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 6,584 |
| Cost of funding earning assets | 1.6147% | 5,967 |
| Net interest margin | 3.5078% | 4,698 |
| Noninterest income to average assets | 0.1033% | 7,522 |
| Noninterest expense to average assets | 3.6148% | 1,836 |
| Loan and lease loss provision to assets | 0.0516% | 6,311 |
| Net operating income to assets | -0.3098% | 6,692 |
| Return on assets (ROA) | -0.3098% | 6,769 |
| Pretax return on assets | -0.3098% | 6,682 |
| Return on Equity (ROE) | -1.6216% | 6,622 |
| Retained earnings to average equity (ytd only) | -1.6216% | 6,023 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6923% | 874 |
| Assets per employee ($millions) | 2.5707% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 3,827 |
| Loan loss allowance to noncurrent loans | 36.7232% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 2.2951% | 2,503 |
| Noncurrent loans to loans | 3.6623% | 1,709 |
| Net loans and leases to total assets | 61.8257% | 5,371 |
| Net loans and leases to deposits | 76.7794% | 5,117 |
| Net loans and leases to core deposits | 79.9062% | 6,396 |
| Total domestic deposits to total assets | 80.5239% | 5,161 |
| Equity capital to assets | 19.1520% | 472 |
| Core capital (leverage) ratio | 18.9408% | 455 |
| Tier 1 risk-based capital ratio | 28.9721% | 692 |
| Total risk-based capital ratio | 30.2472% | 671 |
| Memoranda: | ||
| Average total assets | $7,746,000 | 8,224 |
| Average earning assets | $7,184,000 | 8,207 |
| Average equity | $1,480,000 | 8,155 |
| Average total loans | $5,040,500 | 8,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8304% | 1,585 |
| Cost of funding earning assets | 2.2669% | 5,306 |
| Net interest margin | 4.5635% | 1,275 |
| Noninterest income to average assets | 0.0666% | 7,817 |
| Noninterest expense to average assets | 2.9562% | 4,238 |
| Loan and lease loss provision to assets | 0.0932% | 6,196 |
| Net operating income to assets | 1.0387% | 2,408 |
| Return on assets (ROA) | 1.0387% | 2,291 |
| Pretax return on assets | 1.1186% | 2,960 |
| Return on Equity (ROE) | 5.2632% | 4,257 |
| Retained earnings to average equity (ytd only) | 1.5520% | 4,289 |
| Net charge-offs to loans | 0.0778% | 5,649 |
| Credit loss provision to net charge-offs | 175.0000% | 2,906 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,453 |
| Efficiency ratio | 70.9265% | 4,152 |
| Assets per employee ($millions) | 2.5933% | 7,020 |
| Cash dividends to net income (ytd only)* | 70.5128% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 4,387 |
| Loan loss allowance to noncurrent loans | 96.9697% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 4,728 |
| Noncurrent loans to loans | 1.2576% | 3,998 |
| Net loans and leases to total assets | 66.6324% | 4,723 |
| Net loans and leases to deposits | 82.9706% | 4,579 |
| Net loans and leases to core deposits | 86.3281% | 6,112 |
| Total domestic deposits to total assets | 80.3085% | 4,905 |
| Equity capital to assets | 19.0617% | 539 |
| Core capital (leverage) ratio | 20.3067% | 420 |
| Tier 1 risk-based capital ratio | 26.2990% | 878 |
| Total risk-based capital ratio | 27.4339% | 867 |
| Memoranda: | ||
| Average total assets | $7,509,600 | 8,276 |
| Average earning assets | $6,749,200 | 8,270 |
| Average equity | $1,482,000 | 8,220 |
| Average total loans | $5,139,600 | 8,154 |