Home > First Summit Bank > Performance and Condition Ratios
First Summit Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8143% | 258 |
| Cost of funding earning assets | 1.1458% | 2,948 |
| Net interest margin | 5.6685% | 153 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 4.7117% | 257 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | 0.7455% | 3,058 |
| Return on assets (ROA) | 0.7708% | 2,951 |
| Pretax return on assets | 0.7708% | 3,282 |
| Return on Equity (ROE) | 5.3200% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.3165% | 2,480 |
| Net charge-offs to loans | -0.0108% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.8543% | 488 |
| Assets per employee ($millions) | 2.3163% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,221 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,380 |
| Noncurrent loans to loans | 0.1214% | 2,911 |
| Net loans and leases to total assets | 64.4300% | 2,423 |
| Net loans and leases to deposits | 75.7241% | 2,479 |
| Net loans and leases to core deposits | 81.5186% | 2,621 |
| Total domestic deposits to total assets | 85.0800% | 2,285 |
| Equity capital to assets | 14.7683% | 576 |
| Core capital (leverage) ratio | 14.6792% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $27,633,400 | 4,481 |
| Average earning assets | $23,128,000 | 4,463 |
| Average equity | $4,006,400 | 4,355 |
| Average total loans | $18,546,800 | 4,314 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6819% | 255 |
| Cost of funding earning assets | 1.0271% | 2,959 |
| Net interest margin | 5.6548% | 151 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 4.6340% | 262 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 0.8263% | 2,943 |
| Return on assets (ROA) | 0.8504% | 2,841 |
| Pretax return on assets | 0.8504% | 3,214 |
| Return on Equity (ROE) | 5.8900% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.8934% | 2,661 |
| Net charge-offs to loans | -0.0143% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.2410% | 504 |
| Assets per employee ($millions) | 2.2484% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,103 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 2,310 |
| Noncurrent loans to loans | 0.1250% | 2,927 |
| Net loans and leases to total assets | 64.3900% | 2,399 |
| Net loans and leases to deposits | 75.9841% | 2,419 |
| Net loans and leases to core deposits | 79.7036% | 2,625 |
| Total domestic deposits to total assets | 84.7400% | 2,583 |
| Equity capital to assets | 15.0773% | 533 |
| Core capital (leverage) ratio | 14.5724% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $27,592,750 | 4,506 |
| Average earning assets | $23,106,500 | 4,490 |
| Average equity | $3,981,750 | 4,369 |
| Average total loans | $18,651,500 | 4,329 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4839% | 264 |
| Cost of funding earning assets | 0.9140% | 2,886 |
| Net interest margin | 5.5699% | 160 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 4.6049% | 256 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 0.7987% | 3,084 |
| Return on assets (ROA) | 0.8202% | 3,028 |
| Pretax return on assets | 0.8202% | 3,353 |
| Return on Equity (ROE) | 5.7700% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.7678% | 2,704 |
| Net charge-offs to loans | -0.0210% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.7209% | 466 |
| Assets per employee ($millions) | 2.5277% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,252 |
| Loan loss allowance to noncurrent loans | 1,022.7273% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,258 |
| Noncurrent loans to loans | 0.1208% | 2,874 |
| Net loans and leases to total assets | 64.6900% | 2,311 |
| Net loans and leases to deposits | 75.7315% | 2,335 |
| Net loans and leases to core deposits | 78.4089% | 2,583 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 14.4075% | 587 |
| Core capital (leverage) ratio | 14.4352% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $27,796,667 | 4,530 |
| Average earning assets | $23,196,000 | 4,516 |
| Average equity | $3,953,000 | 4,396 |
| Average total loans | $19,004,333 | 4,344 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5429% | 172 |
| Cost of funding earning assets | 0.7769% | 2,816 |
| Net interest margin | 5.7661% | 115 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 4.4616% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9787% | 2,600 |
| Return on assets (ROA) | 0.9931% | 2,521 |
| Pretax return on assets | 0.9931% | 3,016 |
| Return on Equity (ROE) | 7.0300% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.0292% | 2,485 |
| Net charge-offs to loans | -0.0206% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.0106% | 702 |
| Assets per employee ($millions) | 2.4687% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,233 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 2,188 |
| Noncurrent loans to loans | 0.1147% | 2,946 |
| Net loans and leases to total assets | 69.7400% | 1,650 |
| Net loans and leases to deposits | 81.7950% | 1,671 |
| Net loans and leases to core deposits | 83.8150% | 1,995 |
| Total domestic deposits to total assets | 85.2600% | 2,792 |
| Equity capital to assets | 14.5861% | 519 |
| Core capital (leverage) ratio | 13.7679% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $27,792,500 | 4,589 |
| Average earning assets | $23,170,000 | 4,581 |
| Average equity | $3,926,500 | 4,460 |
| Average total loans | $19,400,500 | 4,399 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 221 |
| Cost of funding earning assets | 0.4363% | 1,815 |
| Net interest margin | 4.7757% | 180 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 4.2742% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5537% | 3,982 |
| Return on assets (ROA) | 0.5537% | 3,949 |
| Pretax return on assets | 0.5537% | 4,096 |
| Return on Equity (ROE) | 4.3000% | 4,115 |
| Retained earnings to average equity (ytd only) | 4.2986% | 3,299 |
| Net charge-offs to loans | -0.0763% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.5315% | 340 |
| Assets per employee ($millions) | 2.5845% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 1,809 |
| Loan loss allowance to noncurrent loans | 1,177.2727% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,269 |
| Noncurrent loans to loans | 0.1121% | 2,967 |
| Net loans and leases to total assets | 68.1100% | 1,819 |
| Net loans and leases to deposits | 78.9545% | 1,850 |
| Net loans and leases to core deposits | 81.8136% | 2,017 |
| Total domestic deposits to total assets | 86.2600% | 2,654 |
| Equity capital to assets | 13.6902% | 607 |
| Core capital (leverage) ratio | 13.1472% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $29,619,800 | 4,612 |
| Average earning assets | $24,980,400 | 4,598 |
| Average equity | $3,815,200 | 4,546 |
| Average total loans | $19,646,400 | 4,419 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 219 |
| Cost of funding earning assets | 0.4068% | 1,244 |
| Net interest margin | 4.5648% | 213 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 4.1892% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5303% | 4,012 |
| Return on assets (ROA) | 0.5259% | 3,962 |
| Pretax return on assets | 0.5259% | 4,108 |
| Return on Equity (ROE) | 4.1400% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.1446% | 3,395 |
| Net charge-offs to loans | -0.0882% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.7630% | 359 |
| Assets per employee ($millions) | 2.6810% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,061 |
| Loan loss allowance to noncurrent loans | 1,028.0000% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,357 |
| Noncurrent loans to loans | 0.1258% | 3,012 |
| Net loans and leases to total assets | 66.5200% | 1,830 |
| Net loans and leases to deposits | 76.5293% | 1,831 |
| Net loans and leases to core deposits | 79.1766% | 1,960 |
| Total domestic deposits to total assets | 86.9100% | 2,792 |
| Equity capital to assets | 13.0413% | 672 |
| Core capital (leverage) ratio | 12.8430% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $29,917,500 | 4,645 |
| Average earning assets | $25,235,750 | 4,634 |
| Average equity | $3,796,000 | 4,590 |
| Average total loans | $19,652,750 | 4,450 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 225 |
| Cost of funding earning assets | 0.4022% | 900 |
| Net interest margin | 4.3849% | 231 |
| Noninterest income to average assets | 0.9914% | 681 |
| Noninterest expense to average assets | 4.1251% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5655% | 3,716 |
| Return on assets (ROA) | 0.5522% | 3,707 |
| Pretax return on assets | 0.5522% | 3,916 |
| Return on Equity (ROE) | 4.3923% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.3923% | 2,927 |
| Net charge-offs to loans | -0.1226% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9433% | 490 |
| Assets per employee ($millions) | 2.7675% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 2,157 |
| Loan loss allowance to noncurrent loans | 1,024.0000% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 2,451 |
| Noncurrent loans to loans | 0.1277% | 3,081 |
| Net loans and leases to total assets | 63.4781% | 1,968 |
| Net loans and leases to deposits | 72.5811% | 1,987 |
| Net loans and leases to core deposits | 74.9951% | 2,094 |
| Total domestic deposits to total assets | 87.4581% | 2,781 |
| Equity capital to assets | 12.5189% | 756 |
| Core capital (leverage) ratio | 12.4337% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,059,667 | 4,679 |
| Average earning assets | $25,359,667 | 4,680 |
| Average equity | $3,779,333 | 4,633 |
| Average total loans | $19,579,333 | 4,511 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 209 |
| Cost of funding earning assets | 0.3986% | 881 |
| Net interest margin | 4.3688% | 210 |
| Noninterest income to average assets | 1.4062% | 383 |
| Noninterest expense to average assets | 4.1247% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9508% | 2,072 |
| Return on assets (ROA) | 0.9508% | 2,065 |
| Pretax return on assets | 0.9508% | 2,601 |
| Return on Equity (ROE) | 7.5462% | 2,855 |
| Retained earnings to average equity (ytd only) | 7.5462% | 1,718 |
| Net charge-offs to loans | -0.0204% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2665% | 1,046 |
| Assets per employee ($millions) | 2.8152% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,531 |
| Loan loss allowance to noncurrent loans | 875.0000% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 2,507 |
| Noncurrent loans to loans | 0.1444% | 3,085 |
| Net loans and leases to total assets | 61.8336% | 1,882 |
| Net loans and leases to deposits | 70.5033% | 1,916 |
| Net loans and leases to core deposits | 72.7978% | 2,046 |
| Total domestic deposits to total assets | 87.7030% | 2,660 |
| Equity capital to assets | 12.2679% | 867 |
| Core capital (leverage) ratio | 12.6544% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,868,500 | 4,706 |
| Average earning assets | $25,087,000 | 4,706 |
| Average equity | $3,763,500 | 4,671 |
| Average total loans | $19,579,000 | 4,529 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 300 |
| Cost of funding earning assets | 0.4805% | 1,005 |
| Net interest margin | 4.4220% | 317 |
| Noninterest income to average assets | 1.1135% | 844 |
| Noninterest expense to average assets | 4.5284% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2731% | 4,455 |
| Return on assets (ROA) | 0.2872% | 4,460 |
| Pretax return on assets | 0.2872% | 4,503 |
| Return on Equity (ROE) | 2.1812% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.1812% | 3,927 |
| Net charge-offs to loans | -0.0411% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3131% | 229 |
| Assets per employee ($millions) | 2.6155% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,712 |
| Loan loss allowance to noncurrent loans | 567.4419% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 1,882 |
| Noncurrent loans to loans | 0.2176% | 2,874 |
| Net loans and leases to total assets | 67.8519% | 1,283 |
| Net loans and leases to deposits | 78.0465% | 1,396 |
| Net loans and leases to core deposits | 80.8122% | 1,533 |
| Total domestic deposits to total assets | 86.9378% | 2,546 |
| Equity capital to assets | 12.9579% | 911 |
| Core capital (leverage) ratio | 12.6183% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,199,800 | 4,754 |
| Average earning assets | $23,518,800 | 4,758 |
| Average equity | $3,713,600 | 4,726 |
| Average total loans | $19,455,200 | 4,581 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 344 |
| Cost of funding earning assets | 0.4902% | 1,102 |
| Net interest margin | 4.4342% | 352 |
| Noninterest income to average assets | 1.3448% | 658 |
| Noninterest expense to average assets | 4.6143% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4277% | 4,330 |
| Return on assets (ROA) | 0.4419% | 4,344 |
| Pretax return on assets | 0.4419% | 4,436 |
| Return on Equity (ROE) | 3.3422% | 4,416 |
| Retained earnings to average equity (ytd only) | 3.3422% | 3,793 |
| Net charge-offs to loans | -0.0413% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5174% | 285 |
| Assets per employee ($millions) | 2.6288% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,586 |
| Loan loss allowance to noncurrent loans | 190.5512% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 1,071 |
| Noncurrent loans to loans | 0.6721% | 1,633 |
| Net loans and leases to total assets | 64.5088% | 1,706 |
| Net loans and leases to deposits | 74.1238% | 1,845 |
| Net loans and leases to core deposits | 76.7339% | 1,982 |
| Total domestic deposits to total assets | 87.0284% | 2,344 |
| Equity capital to assets | 12.9336% | 998 |
| Core capital (leverage) ratio | 13.1335% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,057,250 | 4,825 |
| Average earning assets | $23,393,250 | 4,831 |
| Average equity | $3,710,000 | 4,798 |
| Average total loans | $19,377,750 | 4,647 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 323 |
| Cost of funding earning assets | 0.5016% | 1,195 |
| Net interest margin | 4.5405% | 329 |
| Noninterest income to average assets | 1.5196% | 534 |
| Noninterest expense to average assets | 4.6524% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6482% | 3,876 |
| Return on assets (ROA) | 0.6698% | 3,896 |
| Pretax return on assets | 0.6698% | 4,128 |
| Return on Equity (ROE) | 5.0270% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.0270% | 3,171 |
| Net charge-offs to loans | -0.0307% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7717% | 406 |
| Assets per employee ($millions) | 2.6243% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,676 |
| Loan loss allowance to noncurrent loans | 298.7500% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 1,558 |
| Noncurrent loans to loans | 0.4186% | 2,426 |
| Net loans and leases to total assets | 65.3826% | 1,774 |
| Net loans and leases to deposits | 75.1443% | 1,901 |
| Net loans and leases to core deposits | 77.7956% | 2,064 |
| Total domestic deposits to total assets | 87.0094% | 2,312 |
| Equity capital to assets | 12.9560% | 961 |
| Core capital (leverage) ratio | 12.8743% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,770,667 | 4,861 |
| Average earning assets | $23,125,333 | 4,867 |
| Average equity | $3,700,000 | 4,829 |
| Average total loans | $19,538,333 | 4,677 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 273 |
| Cost of funding earning assets | 0.5321% | 1,192 |
| Net interest margin | 4.6650% | 280 |
| Noninterest income to average assets | 1.9543% | 393 |
| Noninterest expense to average assets | 4.8930% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9257% | 3,059 |
| Return on assets (ROA) | 0.9698% | 3,001 |
| Pretax return on assets | 0.9698% | 3,459 |
| Return on Equity (ROE) | 7.1739% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.1739% | 2,520 |
| Net charge-offs to loans | -0.0203% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0909% | 591 |
| Assets per employee ($millions) | 2.5835% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,868 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 795 |
| Noncurrent loans to loans | 0.8081% | 1,646 |
| Net loans and leases to total assets | 67.9640% | 1,539 |
| Net loans and leases to deposits | 78.2228% | 1,697 |
| Net loans and leases to core deposits | 81.0321% | 1,908 |
| Total domestic deposits to total assets | 86.8851% | 2,354 |
| Equity capital to assets | 13.0657% | 896 |
| Core capital (leverage) ratio | 13.4247% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,222,500 | 4,891 |
| Average earning assets | $22,551,000 | 4,896 |
| Average equity | $3,680,000 | 4,855 |
| Average total loans | $19,751,000 | 4,699 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 277 |
| Cost of funding earning assets | 0.8112% | 1,163 |
| Net interest margin | 4.4709% | 347 |
| Noninterest income to average assets | 0.7904% | 1,558 |
| Noninterest expense to average assets | 4.3565% | 281 |
| Loan and lease loss provision to assets | 0.0037% | 4,292 |
| Net operating income to assets | 0.1049% | 4,666 |
| Return on assets (ROA) | 0.1086% | 4,701 |
| Pretax return on assets | 0.1086% | 4,701 |
| Return on Equity (ROE) | 0.8009% | 4,698 |
| Retained earnings to average equity (ytd only) | 0.8009% | 4,291 |
| Net charge-offs to loans | -0.0534% | 4,682 |
| Credit loss provision to net charge-offs | -10.0000% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5671% | 210 |
| Assets per employee ($millions) | 2.1689% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 3,040 |
| Loan loss allowance to noncurrent loans | 109.2593% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.3448% | 587 |
| Noncurrent loans to loans | 1.0827% | 1,310 |
| Net loans and leases to total assets | 75.7483% | 814 |
| Net loans and leases to deposits | 88.1078% | 1,082 |
| Net loans and leases to core deposits | 90.3487% | 1,498 |
| Total domestic deposits to total assets | 85.9723% | 2,376 |
| Equity capital to assets | 14.0124% | 792 |
| Core capital (leverage) ratio | 13.4184% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,695,600 | 4,895 |
| Average earning assets | $21,941,800 | 4,908 |
| Average equity | $3,620,800 | 4,871 |
| Average total loans | $18,736,400 | 4,737 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 382 |
| Cost of funding earning assets | 0.8557% | 1,228 |
| Net interest margin | 4.3867% | 483 |
| Noninterest income to average assets | 0.8438% | 1,366 |
| Noninterest expense to average assets | 4.3926% | 268 |
| Loan and lease loss provision to assets | 0.0037% | 4,217 |
| Net operating income to assets | 0.0596% | 4,733 |
| Return on assets (ROA) | 0.0596% | 4,756 |
| Pretax return on assets | 0.0596% | 4,756 |
| Return on Equity (ROE) | 0.4427% | 4,758 |
| Retained earnings to average equity (ytd only) | 0.4427% | 4,396 |
| Net charge-offs to loans | -0.0506% | 4,676 |
| Credit loss provision to net charge-offs | -14.2857% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5523% | 185 |
| Assets per employee ($millions) | 2.1530% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,373 |
| Loan loss allowance to noncurrent loans | 121.9895% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 758 |
| Noncurrent loans to loans | 1.0296% | 1,455 |
| Net loans and leases to total assets | 70.9011% | 1,831 |
| Net loans and leases to deposits | 82.5321% | 2,052 |
| Net loans and leases to core deposits | 86.6796% | 2,260 |
| Total domestic deposits to total assets | 85.9073% | 2,106 |
| Equity capital to assets | 14.0502% | 846 |
| Core capital (leverage) ratio | 13.6073% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,862,750 | 4,927 |
| Average earning assets | $22,126,750 | 4,938 |
| Average equity | $3,614,250 | 4,895 |
| Average total loans | $18,432,750 | 4,775 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 493 |
| Cost of funding earning assets | 0.8840% | 1,446 |
| Net interest margin | 4.4020% | 613 |
| Noninterest income to average assets | 0.9263% | 1,107 |
| Noninterest expense to average assets | 4.5212% | 249 |
| Loan and lease loss provision to assets | 0.0074% | 4,097 |
| Net operating income to assets | 0.0221% | 4,760 |
| Return on assets (ROA) | 0.0221% | 4,783 |
| Pretax return on assets | 0.0221% | 4,775 |
| Return on Equity (ROE) | 0.1663% | 4,786 |
| Retained earnings to average equity (ytd only) | 0.1663% | 4,283 |
| Net charge-offs to loans | -0.0652% | 4,745 |
| Credit loss provision to net charge-offs | -16.6667% | 3,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3538% | 191 |
| Assets per employee ($millions) | 2.2817% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,308 |
| Loan loss allowance to noncurrent loans | 126.9231% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 1,014 |
| Noncurrent loans to loans | 0.9767% | 1,585 |
| Net loans and leases to total assets | 67.2133% | 2,472 |
| Net loans and leases to deposits | 77.4961% | 2,713 |
| Net loans and leases to core deposits | 81.1169% | 2,858 |
| Total domestic deposits to total assets | 86.7312% | 1,721 |
| Equity capital to assets | 13.2250% | 1,070 |
| Core capital (leverage) ratio | 13.3226% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,205,000 | 4,956 |
| Average earning assets | $22,399,000 | 4,965 |
| Average equity | $3,609,000 | 4,927 |
| Average total loans | $18,393,333 | 4,806 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 374 |
| Cost of funding earning assets | 0.9331% | 1,724 |
| Net interest margin | 4.5757% | 429 |
| Noninterest income to average assets | 0.5458% | 2,303 |
| Noninterest expense to average assets | 4.7497% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4425% | 4,919 |
| Return on assets (ROA) | -0.4425% | 4,894 |
| Pretax return on assets | -0.4425% | 4,877 |
| Return on Equity (ROE) | -3.3306% | 4,883 |
| Retained earnings to average equity (ytd only) | -3.3306% | 4,387 |
| Net charge-offs to loans | -0.1095% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2740% | 147 |
| Assets per employee ($millions) | 2.2511% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,070 |
| Loan loss allowance to noncurrent loans | 128.4916% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4252% | 777 |
| Noncurrent loans to loans | 1.0241% | 1,622 |
| Net loans and leases to total assets | 63.8544% | 3,081 |
| Net loans and leases to deposits | 73.6696% | 3,307 |
| Net loans and leases to core deposits | 77.1526% | 3,418 |
| Total domestic deposits to total assets | 86.6768% | 1,704 |
| Equity capital to assets | 13.2751% | 1,313 |
| Core capital (leverage) ratio | 13.0867% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,117,500 | 4,998 |
| Average earning assets | $22,291,500 | 5,010 |
| Average equity | $3,603,000 | 4,971 |
| Average total loans | $18,273,000 | 4,841 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6299% | 451 |
| Cost of funding earning assets | 0.9121% | 2,148 |
| Net interest margin | 4.7178% | 450 |
| Noninterest income to average assets | 0.6218% | 2,125 |
| Noninterest expense to average assets | 4.4189% | 333 |
| Loan and lease loss provision to assets | 0.0111% | 3,792 |
| Net operating income to assets | 0.0777% | 4,937 |
| Return on assets (ROA) | 0.0777% | 4,954 |
| Pretax return on assets | 0.0777% | 4,953 |
| Return on Equity (ROE) | 0.5815% | 4,955 |
| Retained earnings to average equity (ytd only) | 0.5815% | 4,523 |
| Net charge-offs to loans | -0.0424% | 4,793 |
| Credit loss provision to net charge-offs | -37.5000% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0296% | 185 |
| Assets per employee ($millions) | 2.2685% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,550 |
| Loan loss allowance to noncurrent loans | 126.4045% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 741 |
| Noncurrent loans to loans | 0.9336% | 1,640 |
| Net loans and leases to total assets | 69.2161% | 2,514 |
| Net loans and leases to deposits | 79.8694% | 2,792 |
| Net loans and leases to core deposits | 82.6875% | 3,070 |
| Total domestic deposits to total assets | 86.6615% | 1,774 |
| Equity capital to assets | 13.2981% | 1,372 |
| Core capital (leverage) ratio | 13.0492% | 1,214 |
| Tier 1 risk-based capital ratio | 16.9947% | 2,053 |
| Total risk-based capital ratio | 18.0741% | 2,052 |
| Memoranda: | ||
| Average total assets | $27,020,200 | 5,056 |
| Average earning assets | $22,256,000 | 5,069 |
| Average equity | $3,611,400 | 5,024 |
| Average total loans | $18,856,000 | 4,887 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6777% | 428 |
| Cost of funding earning assets | 0.8952% | 2,254 |
| Net interest margin | 4.7825% | 429 |
| Noninterest income to average assets | 0.5685% | 2,362 |
| Noninterest expense to average assets | 4.3455% | 346 |
| Loan and lease loss provision to assets | 0.0148% | 3,610 |
| Net operating income to assets | 0.1434% | 4,988 |
| Return on assets (ROA) | 0.1434% | 5,007 |
| Pretax return on assets | 0.1434% | 5,019 |
| Return on Equity (ROE) | 1.0714% | 5,004 |
| Retained earnings to average equity (ytd only) | 1.0714% | 4,547 |
| Net charge-offs to loans | -0.0425% | 4,799 |
| Credit loss provision to net charge-offs | -50.0000% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4874% | 195 |
| Assets per employee ($millions) | 2.2668% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,420 |
| Loan loss allowance to noncurrent loans | 210.3774% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 1,133 |
| Noncurrent loans to loans | 0.5786% | 2,557 |
| Net loans and leases to total assets | 66.5319% | 2,984 |
| Net loans and leases to deposits | 76.8362% | 3,215 |
| Net loans and leases to core deposits | 78.5401% | 3,505 |
| Total domestic deposits to total assets | 86.5892% | 1,728 |
| Equity capital to assets | 13.3336% | 1,443 |
| Core capital (leverage) ratio | 13.3020% | 1,210 |
| Tier 1 risk-based capital ratio | 17.4436% | 1,960 |
| Total risk-based capital ratio | 18.5345% | 1,961 |
| Memoranda: | ||
| Average total assets | $26,969,750 | 5,133 |
| Average earning assets | $22,191,500 | 5,145 |
| Average equity | $3,609,250 | 5,098 |
| Average total loans | $18,803,250 | 4,964 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7076% | 400 |
| Cost of funding earning assets | 0.8760% | 2,270 |
| Net interest margin | 4.8316% | 386 |
| Noninterest income to average assets | 0.5652% | 2,313 |
| Noninterest expense to average assets | 4.4251% | 327 |
| Loan and lease loss provision to assets | 0.0149% | 3,478 |
| Net operating income to assets | 0.1041% | 5,056 |
| Return on assets (ROA) | 0.1041% | 5,066 |
| Pretax return on assets | 0.1041% | 5,071 |
| Return on Equity (ROE) | 0.7771% | 5,066 |
| Retained earnings to average equity (ytd only) | 0.7771% | 4,493 |
| Net charge-offs to loans | -0.0422% | 4,784 |
| Credit loss provision to net charge-offs | -50.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3813% | 185 |
| Assets per employee ($millions) | 2.2144% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,490 |
| Loan loss allowance to noncurrent loans | 146.6667% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 1,122 |
| Noncurrent loans to loans | 0.8224% | 1,948 |
| Net loans and leases to total assets | 67.8094% | 2,842 |
| Net loans and leases to deposits | 78.5278% | 3,104 |
| Net loans and leases to core deposits | 79.4278% | 3,467 |
| Total domestic deposits to total assets | 86.3508% | 1,872 |
| Equity capital to assets | 13.5890% | 1,287 |
| Core capital (leverage) ratio | 13.0985% | 1,257 |
| Tier 1 risk-based capital ratio | 17.6940% | 1,884 |
| Total risk-based capital ratio | 18.7902% | 1,890 |
| Memoranda: | ||
| Average total assets | $26,892,330 | 5,179 |
| Average earning assets | $22,146,000 | 5,194 |
| Average equity | $3,603,330 | 5,141 |
| Average total loans | $18,964,000 | 4,999 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7101% | 360 |
| Cost of funding earning assets | 0.8439% | 2,306 |
| Net interest margin | 4.8661% | 359 |
| Noninterest income to average assets | 0.5471% | 2,301 |
| Noninterest expense to average assets | 4.4655% | 299 |
| Loan and lease loss provision to assets | 0.0148% | 3,242 |
| Net operating income to assets | 0.0739% | 5,103 |
| Return on assets (ROA) | 0.0739% | 5,108 |
| Pretax return on assets | 0.0739% | 5,112 |
| Return on Equity (ROE) | 0.5556% | 5,112 |
| Retained earnings to average equity (ytd only) | 0.5556% | 4,420 |
| Net charge-offs to loans | -0.0414% | 4,775 |
| Credit loss provision to net charge-offs | -50.0000% | 3,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0519% | 198 |
| Assets per employee ($millions) | 2.4779% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,010 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 1,146 |
| Noncurrent loans to loans | 0.8010% | 2,036 |
| Net loans and leases to total assets | 70.1948% | 2,449 |
| Net loans and leases to deposits | 81.0034% | 2,729 |
| Net loans and leases to core deposits | 81.9015% | 3,196 |
| Total domestic deposits to total assets | 86.6566% | 1,980 |
| Equity capital to assets | 13.2150% | 1,341 |
| Core capital (leverage) ratio | 13.0793% | 1,232 |
| Tier 1 risk-based capital ratio | 16.7233% | 2,194 |
| Total risk-based capital ratio | 17.7479% | 2,217 |
| Memoranda: | ||
| Average total assets | $27,052,000 | 5,233 |
| Average earning assets | $22,276,500 | 5,247 |
| Average equity | $3,599,500 | 5,192 |
| Average total loans | $19,326,500 | 5,050 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 397 |
| Cost of funding earning assets | 0.5015% | 3,343 |
| Net interest margin | 5.0018% | 262 |
| Noninterest income to average assets | 0.5612% | 2,485 |
| Noninterest expense to average assets | 4.1978% | 399 |
| Loan and lease loss provision to assets | 0.0412% | 3,366 |
| Net operating income to assets | 0.5762% | 4,485 |
| Return on assets (ROA) | 0.5762% | 4,489 |
| Pretax return on assets | 0.5762% | 4,669 |
| Return on Equity (ROE) | 4.3493% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.3493% | 3,149 |
| Net charge-offs to loans | -0.0464% | 4,951 |
| Credit loss provision to net charge-offs | -122.2222% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1795% | 466 |
| Assets per employee ($millions) | 2.4406% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,039 |
| Loan loss allowance to noncurrent loans | 133.7500% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.2143% | 1,074 |
| Noncurrent loans to loans | 0.8289% | 1,943 |
| Net loans and leases to total assets | 71.1029% | 2,409 |
| Net loans and leases to deposits | 82.1350% | 2,713 |
| Net loans and leases to core deposits | 83.0570% | 3,174 |
| Total domestic deposits to total assets | 86.5683% | 1,980 |
| Equity capital to assets | 13.3981% | 1,182 |
| Core capital (leverage) ratio | 13.4686% | 1,088 |
| Tier 1 risk-based capital ratio | 16.8549% | 2,116 |
| Total risk-based capital ratio | 17.8747% | 2,141 |
| Memoranda: | ||
| Average total assets | $26,728,600 | 5,283 |
| Average earning assets | $22,731,800 | 5,289 |
| Average equity | $3,540,800 | 5,232 |
| Average total loans | $19,415,200 | 5,090 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 369 |
| Cost of funding earning assets | 0.4833% | 3,308 |
| Net interest margin | 5.0074% | 265 |
| Noninterest income to average assets | 0.5443% | 2,594 |
| Noninterest expense to average assets | 4.0300% | 508 |
| Loan and lease loss provision to assets | 0.0449% | 3,092 |
| Net operating income to assets | 0.7640% | 4,034 |
| Return on assets (ROA) | 0.7640% | 4,040 |
| Pretax return on assets | 0.7640% | 4,390 |
| Return on Equity (ROE) | 5.7841% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.7841% | 2,766 |
| Net charge-offs to loans | -0.0549% | 4,968 |
| Credit loss provision to net charge-offs | -112.5000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2817% | 686 |
| Assets per employee ($millions) | 2.6619% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,957 |
| Loan loss allowance to noncurrent loans | 118.5393% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 1,102 |
| Noncurrent loans to loans | 0.9624% | 1,767 |
| Net loans and leases to total assets | 68.6915% | 2,841 |
| Net loans and leases to deposits | 79.4585% | 3,092 |
| Net loans and leases to core deposits | 80.3913% | 3,462 |
| Total domestic deposits to total assets | 86.4495% | 1,996 |
| Equity capital to assets | 13.5167% | 1,126 |
| Core capital (leverage) ratio | 13.3276% | 1,166 |
| Tier 1 risk-based capital ratio | 17.6638% | 1,879 |
| Total risk-based capital ratio | 18.7175% | 1,898 |
| Memoranda: | ||
| Average total assets | $26,699,000 | 5,351 |
| Average earning assets | $22,898,750 | 5,358 |
| Average equity | $3,526,750 | 5,303 |
| Average total loans | $19,443,250 | 5,148 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 300 |
| Cost of funding earning assets | 0.4657% | 3,251 |
| Net interest margin | 5.0794% | 216 |
| Noninterest income to average assets | 0.5313% | 2,678 |
| Noninterest expense to average assets | 3.9587% | 563 |
| Loan and lease loss provision to assets | 0.0449% | 3,005 |
| Net operating income to assets | 0.9354% | 3,304 |
| Return on assets (ROA) | 0.9354% | 3,307 |
| Pretax return on assets | 0.9354% | 3,858 |
| Return on Equity (ROE) | 7.1367% | 3,855 |
| Retained earnings to average equity (ytd only) | 7.1367% | 2,007 |
| Net charge-offs to loans | -0.0607% | 4,982 |
| Credit loss provision to net charge-offs | -100.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1515% | 1,008 |
| Assets per employee ($millions) | 2.4030% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,370 |
| Loan loss allowance to noncurrent loans | 163.4921% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 1,378 |
| Noncurrent loans to loans | 0.6618% | 2,458 |
| Net loans and leases to total assets | 71.2481% | 2,400 |
| Net loans and leases to deposits | 82.4093% | 2,727 |
| Net loans and leases to core deposits | 83.3761% | 3,133 |
| Total domestic deposits to total assets | 86.4563% | 2,075 |
| Equity capital to assets | 13.5058% | 1,101 |
| Core capital (leverage) ratio | 13.3694% | 1,111 |
| Tier 1 risk-based capital ratio | 17.6025% | 1,915 |
| Total risk-based capital ratio | 18.6412% | 1,926 |
| Memoranda: | ||
| Average total assets | $26,725,670 | 5,413 |
| Average earning assets | $23,191,670 | 5,415 |
| Average equity | $3,503,000 | 5,369 |
| Average total loans | $19,759,000 | 5,204 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 245 |
| Cost of funding earning assets | 0.4575% | 3,148 |
| Net interest margin | 5.1171% | 185 |
| Noninterest income to average assets | 0.4912% | 2,860 |
| Noninterest expense to average assets | 4.1828% | 421 |
| Loan and lease loss provision to assets | 0.0447% | 2,875 |
| Net operating income to assets | 0.7592% | 3,877 |
| Return on assets (ROA) | 0.7592% | 3,876 |
| Pretax return on assets | 0.7592% | 4,266 |
| Return on Equity (ROE) | 5.8798% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.8798% | 2,763 |
| Net charge-offs to loans | -0.0596% | 5,046 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8806% | 806 |
| Assets per employee ($millions) | 2.9862% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,978 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 1,419 |
| Noncurrent loans to loans | 0.8983% | 2,027 |
| Net loans and leases to total assets | 73.8131% | 1,893 |
| Net loans and leases to deposits | 84.8721% | 2,302 |
| Net loans and leases to core deposits | 86.7880% | 2,737 |
| Total domestic deposits to total assets | 86.9698% | 2,135 |
| Equity capital to assets | 13.0042% | 1,241 |
| Core capital (leverage) ratio | 12.7232% | 1,283 |
| Tier 1 risk-based capital ratio | 16.9271% | 2,136 |
| Total risk-based capital ratio | 17.9179% | 2,171 |
| Memoranda: | ||
| Average total assets | $26,872,000 | 5,470 |
| Average earning assets | $23,607,000 | 5,470 |
| Average equity | $3,469,500 | 5,425 |
| Average total loans | $20,119,000 | 5,252 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 894 |
| Cost of funding earning assets | 0.4495% | 2,782 |
| Net interest margin | 4.4000% | 769 |
| Noninterest income to average assets | 0.6721% | 2,082 |
| Noninterest expense to average assets | 4.3482% | 356 |
| Loan and lease loss provision to assets | 0.0404% | 3,458 |
| Net operating income to assets | 0.2020% | 5,103 |
| Return on assets (ROA) | 0.2020% | 5,122 |
| Pretax return on assets | 0.2020% | 5,309 |
| Return on Equity (ROE) | 1.6095% | 5,136 |
| Retained earnings to average equity (ytd only) | 1.6095% | 4,343 |
| Net charge-offs to loans | 0.3074% | 830 |
| Credit loss provision to net charge-offs | 19.6429% | 3,613 |
| Earnings coverage of net charge-offs (x) | 1.1786% | 3,922 |
| Efficiency ratio | 94.7200% | 274 |
| Assets per employee ($millions) | 2.6868% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 4,162 |
| Loan loss allowance to noncurrent loans | 91.0798% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 1,207 |
| Noncurrent loans to loans | 1.0545% | 1,681 |
| Net loans and leases to total assets | 74.4603% | 1,845 |
| Net loans and leases to deposits | 85.4373% | 2,333 |
| Net loans and leases to core deposits | 87.3586% | 2,782 |
| Total domestic deposits to total assets | 87.1520% | 1,919 |
| Equity capital to assets | 12.8182% | 1,349 |
| Core capital (leverage) ratio | 12.4945% | 1,360 |
| Tier 1 risk-based capital ratio | 15.8116% | 2,507 |
| Total risk-based capital ratio | 16.7181% | 2,573 |
| Memoranda: | ||
| Average total assets | $27,229,400 | 5,530 |
| Average earning assets | $24,250,200 | 5,519 |
| Average equity | $3,417,200 | 5,488 |
| Average total loans | $18,215,000 | 5,353 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 1,088 |
| Cost of funding earning assets | 0.4538% | 2,684 |
| Net interest margin | 4.2702% | 995 |
| Noninterest income to average assets | 0.7174% | 1,925 |
| Noninterest expense to average assets | 4.2410% | 392 |
| Loan and lease loss provision to assets | 0.0439% | 3,224 |
| Net operating income to assets | 0.2440% | 5,308 |
| Return on assets (ROA) | 0.2440% | 5,322 |
| Pretax return on assets | 0.2440% | 5,347 |
| Return on Equity (ROE) | 1.9548% | 5,317 |
| Retained earnings to average equity (ytd only) | 1.9548% | 4,657 |
| Net charge-offs to loans | 0.4214% | 497 |
| Credit loss provision to net charge-offs | 16.0714% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.0536% | 3,603 |
| Efficiency ratio | 93.6422% | 296 |
| Assets per employee ($millions) | 2.6950% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,571 |
| Loan loss allowance to noncurrent loans | 79.3388% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 1,426 |
| Noncurrent loans to loans | 1.3685% | 1,376 |
| Net loans and leases to total assets | 64.9054% | 3,264 |
| Net loans and leases to deposits | 74.4245% | 3,526 |
| Net loans and leases to core deposits | 76.1217% | 3,793 |
| Total domestic deposits to total assets | 87.2096% | 1,768 |
| Equity capital to assets | 12.7607% | 1,507 |
| Core capital (leverage) ratio | 12.3728% | 1,471 |
| Tier 1 risk-based capital ratio | 17.4211% | 2,030 |
| Total risk-based capital ratio | 18.4110% | 2,069 |
| Memoranda: | ||
| Average total assets | $27,319,750 | 5,588 |
| Average earning assets | $24,385,500 | 5,581 |
| Average equity | $3,410,500 | 5,552 |
| Average total loans | $17,718,750 | 5,427 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 1,070 |
| Cost of funding earning assets | 0.4555% | 2,550 |
| Net interest margin | 4.2382% | 998 |
| Noninterest income to average assets | 0.7871% | 1,616 |
| Noninterest expense to average assets | 4.2415% | 400 |
| Loan and lease loss provision to assets | 0.0437% | 3,123 |
| Net operating income to assets | 0.2988% | 5,224 |
| Return on assets (ROA) | 0.2988% | 5,244 |
| Pretax return on assets | 0.2988% | 5,340 |
| Return on Equity (ROE) | 2.4111% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.4111% | 4,241 |
| Net charge-offs to loans | 0.6768% | 288 |
| Credit loss provision to net charge-offs | 10.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 0.7833% | 3,344 |
| Efficiency ratio | 92.5278% | 345 |
| Assets per employee ($millions) | 2.7475% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,688 |
| Loan loss allowance to noncurrent loans | 74.0000% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 1,785 |
| Noncurrent loans to loans | 1.4611% | 1,294 |
| Net loans and leases to total assets | 61.6015% | 3,674 |
| Net loans and leases to deposits | 70.4064% | 3,880 |
| Net loans and leases to core deposits | 71.9692% | 4,096 |
| Total domestic deposits to total assets | 87.4941% | 1,726 |
| Equity capital to assets | 12.4841% | 1,632 |
| Core capital (leverage) ratio | 12.3975% | 1,419 |
| Tier 1 risk-based capital ratio | 18.3761% | 1,752 |
| Total risk-based capital ratio | 19.3849% | 1,773 |
| Memoranda: | ||
| Average total assets | $27,443,000 | 5,632 |
| Average earning assets | $24,585,670 | 5,625 |
| Average equity | $3,401,000 | 5,596 |
| Average total loans | $17,730,330 | 5,472 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 805 |
| Cost of funding earning assets | 0.4541% | 2,492 |
| Net interest margin | 4.3140% | 758 |
| Noninterest income to average assets | 0.5688% | 2,561 |
| Noninterest expense to average assets | 4.4773% | 342 |
| Loan and lease loss provision to assets | 0.0438% | 2,920 |
| Net operating income to assets | -0.0729% | 5,636 |
| Return on assets (ROA) | -0.0729% | 5,642 |
| Pretax return on assets | -0.0729% | 5,629 |
| Return on Equity (ROE) | -0.5906% | 5,644 |
| Retained earnings to average equity (ytd only) | -0.5906% | 5,013 |
| Net charge-offs to loans | 1.4634% | 110 |
| Credit loss provision to net charge-offs | 4.5455% | 2,257 |
| Earnings coverage of net charge-offs (x) | -0.0303% | 2,853 |
| Efficiency ratio | 100.6557% | 212 |
| Assets per employee ($millions) | 2.7473% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,373 |
| Loan loss allowance to noncurrent loans | 69.0196% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 1,632 |
| Noncurrent loans to loans | 1.4258% | 1,419 |
| Net loans and leases to total assets | 64.4597% | 3,206 |
| Net loans and leases to deposits | 73.5363% | 3,447 |
| Net loans and leases to core deposits | 75.1592% | 3,727 |
| Total domestic deposits to total assets | 87.6570% | 1,911 |
| Equity capital to assets | 12.3175% | 1,651 |
| Core capital (leverage) ratio | 12.1545% | 1,530 |
| Tier 1 risk-based capital ratio | 17.9356% | 1,898 |
| Total risk-based capital ratio | 18.8852% | 1,950 |
| Memoranda: | ||
| Average total assets | $27,427,000 | 5,700 |
| Average earning assets | $24,664,000 | 5,689 |
| Average equity | $3,386,500 | 5,659 |
| Average total loans | $18,040,500 | 5,521 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,332 |
| Cost of funding earning assets | 0.4634% | 2,415 |
| Net interest margin | 4.1144% | 1,350 |
| Noninterest income to average assets | 0.6654% | 2,342 |
| Noninterest expense to average assets | 4.0215% | 581 |
| Loan and lease loss provision to assets | 0.0362% | 3,642 |
| Net operating income to assets | 0.3002% | 5,217 |
| Return on assets (ROA) | 0.3002% | 5,285 |
| Pretax return on assets | 0.3002% | 5,366 |
| Return on Equity (ROE) | 2.4724% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.4724% | 4,111 |
| Net charge-offs to loans | -0.0626% | 5,457 |
| Credit loss provision to net charge-offs | -90.9091% | 4,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2822% | 450 |
| Assets per employee ($millions) | 2.4892% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,474 |
| Loan loss allowance to noncurrent loans | 62.8947% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 1,021 |
| Noncurrent loans to loans | 2.0884% | 845 |
| Net loans and leases to total assets | 65.5820% | 3,136 |
| Net loans and leases to deposits | 74.8645% | 3,428 |
| Net loans and leases to core deposits | 75.6562% | 3,775 |
| Total domestic deposits to total assets | 87.6009% | 1,828 |
| Equity capital to assets | 12.3772% | 1,592 |
| Core capital (leverage) ratio | 12.0940% | 1,543 |
| Tier 1 risk-based capital ratio | 17.8098% | 1,904 |
| Total risk-based capital ratio | 19.0616% | 1,861 |
| Memoranda: | ||
| Average total assets | $27,651,400 | 5,749 |
| Average earning assets | $24,815,400 | 5,735 |
| Average equity | $3,357,000 | 5,719 |
| Average total loans | $17,560,200 | 5,593 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 1,260 |
| Cost of funding earning assets | 0.4778% | 2,289 |
| Net interest margin | 4.1389% | 1,279 |
| Noninterest income to average assets | 0.7023% | 2,158 |
| Noninterest expense to average assets | 3.9443% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4666% | 4,816 |
| Return on assets (ROA) | 0.4666% | 4,893 |
| Pretax return on assets | 0.4666% | 5,195 |
| Return on Equity (ROE) | 3.8617% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.8617% | 3,556 |
| Net charge-offs to loans | -0.0766% | 5,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4220% | 595 |
| Assets per employee ($millions) | 2.4761% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,837 |
| Loan loss allowance to noncurrent loans | 78.6207% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 1,559 |
| Noncurrent loans to loans | 1.6168% | 1,329 |
| Net loans and leases to total assets | 65.0182% | 3,269 |
| Net loans and leases to deposits | 74.3232% | 3,567 |
| Net loans and leases to core deposits | 75.1145% | 3,908 |
| Total domestic deposits to total assets | 87.4803% | 1,675 |
| Equity capital to assets | 12.4940% | 1,783 |
| Core capital (leverage) ratio | 12.4381% | 1,423 |
| Tier 1 risk-based capital ratio | 18.2938% | 1,835 |
| Total risk-based capital ratio | 19.5414% | 1,808 |
| Memoranda: | ||
| Average total assets | $27,719,000 | 5,808 |
| Average earning assets | $24,836,500 | 5,797 |
| Average equity | $3,349,000 | 5,779 |
| Average total loans | $17,401,250 | 5,654 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 1,422 |
| Cost of funding earning assets | 0.4726% | 2,343 |
| Net interest margin | 4.0611% | 1,474 |
| Noninterest income to average assets | 0.5667% | 2,813 |
| Noninterest expense to average assets | 3.8307% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3730% | 5,115 |
| Return on assets (ROA) | 0.3730% | 5,202 |
| Pretax return on assets | 0.3730% | 5,386 |
| Return on Equity (ROE) | 3.1222% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.1222% | 3,916 |
| Net charge-offs to loans | -0.0581% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1263% | 542 |
| Assets per employee ($millions) | 2.4746% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,949 |
| Loan loss allowance to noncurrent loans | 71.0191% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.6899% | 1,065 |
| Noncurrent loans to loans | 1.7893% | 1,161 |
| Net loans and leases to total assets | 63.6494% | 3,417 |
| Net loans and leases to deposits | 72.6213% | 3,735 |
| Net loans and leases to core deposits | 73.3935% | 4,045 |
| Total domestic deposits to total assets | 87.6456% | 1,602 |
| Equity capital to assets | 12.3324% | 1,879 |
| Core capital (leverage) ratio | 11.9487% | 1,661 |
| Tier 1 risk-based capital ratio | 18.2286% | 1,869 |
| Total risk-based capital ratio | 19.4615% | 1,844 |
| Memoranda: | ||
| Average total assets | $27,879,670 | 5,883 |
| Average earning assets | $24,968,670 | 5,867 |
| Average equity | $3,331,000 | 5,848 |
| Average total loans | $17,222,670 | 5,728 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 1,353 |
| Cost of funding earning assets | 0.4582% | 2,488 |
| Net interest margin | 4.1076% | 1,320 |
| Noninterest income to average assets | 0.5247% | 2,962 |
| Noninterest expense to average assets | 3.8711% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3403% | 5,180 |
| Return on assets (ROA) | 0.3403% | 5,268 |
| Pretax return on assets | 0.3403% | 5,430 |
| Return on Equity (ROE) | 2.8933% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.8933% | 4,072 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9192% | 558 |
| Assets per employee ($millions) | 2.5455% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,911 |
| Loan loss allowance to noncurrent loans | 66.8712% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.6857% | 1,156 |
| Noncurrent loans to loans | 1.9413% | 1,113 |
| Net loans and leases to total assets | 59.1943% | 3,895 |
| Net loans and leases to deposits | 67.2005% | 4,136 |
| Net loans and leases to core deposits | 67.8886% | 4,413 |
| Total domestic deposits to total assets | 88.0861% | 1,597 |
| Equity capital to assets | 11.8924% | 2,098 |
| Core capital (leverage) ratio | 11.6135% | 1,896 |
| Tier 1 risk-based capital ratio | 19.0161% | 1,735 |
| Total risk-based capital ratio | 20.2663% | 1,694 |
| Memoranda: | ||
| Average total assets | $28,209,000 | 5,937 |
| Average earning assets | $25,319,000 | 5,926 |
| Average equity | $3,318,000 | 5,904 |
| Average total loans | $17,059,500 | 5,786 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 2,483 |
| Cost of funding earning assets | 0.5458% | 1,801 |
| Net interest margin | 3.6776% | 2,841 |
| Noninterest income to average assets | 0.7568% | 1,949 |
| Noninterest expense to average assets | 3.8920% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1779% | 5,628 |
| Return on assets (ROA) | 0.1779% | 5,679 |
| Pretax return on assets | 0.1779% | 5,712 |
| Return on Equity (ROE) | 1.4936% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.4936% | 4,871 |
| Net charge-offs to loans | 0.0619% | 2,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.1000% | 3,438 |
| Efficiency ratio | 95.6298% | 414 |
| Assets per employee ($millions) | 2.5834% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 3,119 |
| Loan loss allowance to noncurrent loans | 91.9831% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.3513% | 1,558 |
| Noncurrent loans to loans | 1.3679% | 1,715 |
| Net loans and leases to total assets | 60.2034% | 3,808 |
| Net loans and leases to deposits | 68.1458% | 4,114 |
| Net loans and leases to core deposits | 68.8312% | 4,387 |
| Total domestic deposits to total assets | 88.3450% | 1,451 |
| Equity capital to assets | 11.6339% | 2,244 |
| Core capital (leverage) ratio | 11.2175% | 2,193 |
| Tier 1 risk-based capital ratio | 18.6327% | 1,795 |
| Total risk-based capital ratio | 19.8840% | 1,746 |
| Memoranda: | ||
| Average total assets | $28,674,200 | 5,981 |
| Average earning assets | $25,831,800 | 5,971 |
| Average equity | $3,414,600 | 5,934 |
| Average total loans | $16,167,000 | 5,861 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 2,606 |
| Cost of funding earning assets | 0.5723% | 1,605 |
| Net interest margin | 3.6191% | 3,085 |
| Noninterest income to average assets | 0.7748% | 1,905 |
| Noninterest expense to average assets | 3.7069% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3248% | 5,385 |
| Return on assets (ROA) | 0.3248% | 5,466 |
| Pretax return on assets | 0.3248% | 5,609 |
| Return on Equity (ROE) | 2.7117% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.7117% | 4,490 |
| Net charge-offs to loans | -0.1008% | 5,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9448% | 579 |
| Assets per employee ($millions) | 2.6583% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 2,330 |
| Loan loss allowance to noncurrent loans | 85.4093% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 1,783 |
| Noncurrent loans to loans | 1.7084% | 1,406 |
| Net loans and leases to total assets | 55.4290% | 4,416 |
| Net loans and leases to deposits | 62.5647% | 4,675 |
| Net loans and leases to core deposits | 63.2088% | 4,857 |
| Total domestic deposits to total assets | 88.5948% | 1,246 |
| Equity capital to assets | 11.3710% | 2,620 |
| Core capital (leverage) ratio | 11.2972% | 2,200 |
| Tier 1 risk-based capital ratio | 19.0958% | 1,749 |
| Total risk-based capital ratio | 20.3474% | 1,715 |
| Memoranda: | ||
| Average total assets | $28,738,500 | 6,061 |
| Average earning assets | $25,862,250 | 6,052 |
| Average equity | $3,441,750 | 6,011 |
| Average total loans | $15,877,250 | 5,946 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,363 |
| Cost of funding earning assets | 0.6080% | 1,361 |
| Net interest margin | 3.6402% | 2,942 |
| Noninterest income to average assets | 0.8470% | 1,613 |
| Noninterest expense to average assets | 3.6541% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4620% | 4,935 |
| Return on assets (ROA) | 0.4620% | 5,028 |
| Pretax return on assets | 0.4620% | 5,323 |
| Return on Equity (ROE) | 3.7924% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.7924% | 3,594 |
| Net charge-offs to loans | -0.2167% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7755% | 847 |
| Assets per employee ($millions) | 2.6260% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 2,090 |
| Loan loss allowance to noncurrent loans | 135.3591% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1459% | 2,213 |
| Noncurrent loans to loans | 1.1425% | 2,365 |
| Net loans and leases to total assets | 53.9950% | 4,557 |
| Net loans and leases to deposits | 61.0283% | 4,777 |
| Net loans and leases to core deposits | 61.6604% | 4,970 |
| Total domestic deposits to total assets | 88.4754% | 1,419 |
| Equity capital to assets | 11.5004% | 2,413 |
| Core capital (leverage) ratio | 11.3232% | 2,142 |
| Tier 1 risk-based capital ratio | 20.2672% | 1,492 |
| Total risk-based capital ratio | 21.5222% | 1,467 |
| Memoranda: | ||
| Average total assets | $28,571,000 | 6,133 |
| Average earning assets | $25,657,670 | 6,120 |
| Average equity | $3,480,670 | 6,071 |
| Average total loans | $15,687,000 | 6,015 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,114 |
| Cost of funding earning assets | 0.6270% | 1,253 |
| Net interest margin | 3.6677% | 2,741 |
| Noninterest income to average assets | 0.6194% | 2,547 |
| Noninterest expense to average assets | 3.6039% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3097% | 5,378 |
| Return on assets (ROA) | 0.3097% | 5,481 |
| Pretax return on assets | 0.3097% | 5,630 |
| Return on Equity (ROE) | 2.4719% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.4719% | 4,452 |
| Net charge-offs to loans | -0.2050% | 6,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0863% | 709 |
| Assets per employee ($millions) | 2.6529% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 2,385 |
| Loan loss allowance to noncurrent loans | 96.3265% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 1,965 |
| Noncurrent loans to loans | 1.5738% | 1,779 |
| Net loans and leases to total assets | 52.5358% | 4,610 |
| Net loans and leases to deposits | 59.8820% | 4,755 |
| Net loans and leases to core deposits | 60.4964% | 4,956 |
| Total domestic deposits to total assets | 87.7322% | 1,968 |
| Equity capital to assets | 12.2370% | 1,864 |
| Core capital (leverage) ratio | 12.1749% | 1,529 |
| Tier 1 risk-based capital ratio | 21.6301% | 1,296 |
| Total risk-based capital ratio | 22.8807% | 1,269 |
| Memoranda: | ||
| Average total assets | $28,413,500 | 6,199 |
| Average earning assets | $25,520,000 | 6,186 |
| Average equity | $3,560,000 | 6,118 |
| Average total loans | $15,609,500 | 6,068 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 2,219 |
| Cost of funding earning assets | 0.6982% | 1,121 |
| Net interest margin | 3.7030% | 2,998 |
| Noninterest income to average assets | 0.6360% | 2,637 |
| Noninterest expense to average assets | 3.4960% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5507% | 4,594 |
| Return on assets (ROA) | 0.5507% | 4,683 |
| Pretax return on assets | 0.5507% | 5,101 |
| Return on Equity (ROE) | 4.4756% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.4756% | 2,990 |
| Net charge-offs to loans | -0.1357% | 6,186 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3916% | 1,132 |
| Assets per employee ($millions) | 2.5115% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 2,661 |
| Loan loss allowance to noncurrent loans | 144.3038% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 2,442 |
| Noncurrent loans to loans | 1.0095% | 2,807 |
| Net loans and leases to total assets | 55.8315% | 4,360 |
| Net loans and leases to deposits | 64.0744% | 4,521 |
| Net loans and leases to core deposits | 64.7686% | 4,774 |
| Total domestic deposits to total assets | 87.1353% | 2,205 |
| Equity capital to assets | 12.7778% | 1,482 |
| Core capital (leverage) ratio | 12.4973% | 1,354 |
| Tier 1 risk-based capital ratio | 21.4147% | 1,322 |
| Total risk-based capital ratio | 22.6644% | 1,299 |
| Memoranda: | ||
| Average total assets | $28,146,200 | 6,288 |
| Average earning assets | $25,924,800 | 6,266 |
| Average equity | $3,463,200 | 6,187 |
| Average total loans | $16,212,600 | 6,119 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4108% | 2,182 |
| Cost of funding earning assets | 0.7021% | 1,143 |
| Net interest margin | 3.7088% | 2,994 |
| Noninterest income to average assets | 0.6507% | 2,570 |
| Noninterest expense to average assets | 3.1687% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6271% | 4,315 |
| Return on assets (ROA) | 0.6271% | 4,417 |
| Pretax return on assets | 0.9195% | 3,906 |
| Return on Equity (ROE) | 5.1452% | 4,653 |
| Retained earnings to average equity (ytd only) | 5.1452% | 2,990 |
| Net charge-offs to loans | -0.0897% | 6,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5087% | 2,262 |
| Assets per employee ($millions) | 3.1427% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 3,221 |
| Loan loss allowance to noncurrent loans | 95.1754% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 2,547 |
| Noncurrent loans to loans | 1.4619% | 2,227 |
| Net loans and leases to total assets | 54.3735% | 4,533 |
| Net loans and leases to deposits | 62.2405% | 4,715 |
| Net loans and leases to core deposits | 62.8921% | 4,975 |
| Total domestic deposits to total assets | 87.3603% | 2,115 |
| Equity capital to assets | 12.4028% | 1,768 |
| Core capital (leverage) ratio | 12.5339% | 1,385 |
| Tier 1 risk-based capital ratio | 21.2284% | 1,405 |
| Total risk-based capital ratio | 22.4750% | 1,379 |
| Memoranda: | ||
| Average total assets | $28,276,250 | 6,359 |
| Average earning assets | $26,207,500 | 6,335 |
| Average equity | $3,446,500 | 6,257 |
| Average total loans | $16,352,750 | 6,172 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 1,868 |
| Cost of funding earning assets | 0.7126% | 1,126 |
| Net interest margin | 3.7752% | 2,651 |
| Noninterest income to average assets | 0.6083% | 2,774 |
| Noninterest expense to average assets | 3.1690% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6508% | 4,091 |
| Return on assets (ROA) | 0.6508% | 4,193 |
| Pretax return on assets | 0.9620% | 3,636 |
| Return on Equity (ROE) | 5.3707% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.3707% | 2,720 |
| Net charge-offs to loans | -0.3011% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7123% | 2,504 |
| Assets per employee ($millions) | 3.1362% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,016 |
| Loan loss allowance to noncurrent loans | 81.9149% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4242% | 2,293 |
| Noncurrent loans to loans | 1.7994% | 1,905 |
| Net loans and leases to total assets | 54.7049% | 4,448 |
| Net loans and leases to deposits | 62.4914% | 4,642 |
| Net loans and leases to core deposits | 62.4914% | 4,930 |
| Total domestic deposits to total assets | 87.5399% | 2,176 |
| Equity capital to assets | 12.2830% | 1,788 |
| Core capital (leverage) ratio | 12.5023% | 1,394 |
| Tier 1 risk-based capital ratio | 21.3052% | 1,384 |
| Total risk-based capital ratio | 22.5588% | 1,358 |
| Memoranda: | ||
| Average total assets | $28,273,670 | 6,419 |
| Average earning assets | $26,382,670 | 6,390 |
| Average equity | $3,426,000 | 6,308 |
| Average total loans | $16,605,000 | 6,214 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,884 |
| Cost of funding earning assets | 0.7183% | 1,131 |
| Net interest margin | 3.7563% | 2,655 |
| Noninterest income to average assets | 0.6502% | 2,461 |
| Noninterest expense to average assets | 3.0533% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8623% | 2,841 |
| Return on assets (ROA) | 0.8623% | 2,904 |
| Pretax return on assets | 1.1450% | 2,717 |
| Return on Equity (ROE) | 7.1649% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.1649% | 1,950 |
| Net charge-offs to loans | -0.3280% | 6,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,354 |
| Assets per employee ($millions) | 3.1124% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,160 |
| Loan loss allowance to noncurrent loans | 73.3333% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 2,220 |
| Noncurrent loans to loans | 1.7637% | 2,186 |
| Net loans and leases to total assets | 59.9386% | 3,569 |
| Net loans and leases to deposits | 68.3994% | 3,816 |
| Net loans and leases to core deposits | 68.3994% | 4,269 |
| Total domestic deposits to total assets | 87.6303% | 2,437 |
| Equity capital to assets | 12.2662% | 1,707 |
| Core capital (leverage) ratio | 12.1753% | 1,553 |
| Tier 1 risk-based capital ratio | 21.2387% | 1,427 |
| Total risk-based capital ratio | 22.4873% | 1,403 |
| Memoranda: | ||
| Average total assets | $28,297,500 | 6,485 |
| Average earning assets | $26,728,500 | 6,450 |
| Average equity | $3,405,500 | 6,364 |
| Average total loans | $17,071,500 | 6,256 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,359 |
| Cost of funding earning assets | 0.7642% | 1,416 |
| Net interest margin | 3.6960% | 3,070 |
| Noninterest income to average assets | 0.8644% | 1,805 |
| Noninterest expense to average assets | 3.5988% | 1,453 |
| Loan and lease loss provision to assets | 0.5314% | 510 |
| Net operating income to assets | 0.1648% | 5,906 |
| Return on assets (ROA) | 0.1648% | 5,974 |
| Pretax return on assets | 0.2153% | 5,911 |
| Return on Equity (ROE) | 1.4593% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.4593% | 5,163 |
| Net charge-offs to loans | -0.2660% | 6,656 |
| Credit loss provision to net charge-offs | -343.4783% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8173% | 1,774 |
| Assets per employee ($millions) | 3.1759% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,645 |
| Loan loss allowance to noncurrent loans | 54.4974% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.0537% | 1,747 |
| Noncurrent loans to loans | 2.2063% | 1,766 |
| Net loans and leases to total assets | 59.2205% | 3,841 |
| Net loans and leases to deposits | 67.1760% | 4,165 |
| Net loans and leases to core deposits | 67.1760% | 4,596 |
| Total domestic deposits to total assets | 88.1573% | 2,087 |
| Equity capital to assets | 11.8077% | 1,945 |
| Core capital (leverage) ratio | 11.5436% | 1,929 |
| Tier 1 risk-based capital ratio | 20.5517% | 1,527 |
| Total risk-based capital ratio | 21.8061% | 1,502 |
| Memoranda: | ||
| Average total assets | $29,732,200 | 6,520 |
| Average earning assets | $28,003,600 | 6,488 |
| Average equity | $3,357,800 | 6,464 |
| Average total loans | $17,291,400 | 6,307 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 2,288 |
| Cost of funding earning assets | 0.7742% | 1,461 |
| Net interest margin | 3.7106% | 2,990 |
| Noninterest income to average assets | 0.9771% | 1,515 |
| Noninterest expense to average assets | 3.4421% | 1,734 |
| Loan and lease loss provision to assets | 0.7017% | 314 |
| Net operating income to assets | 0.2487% | 5,784 |
| Return on assets (ROA) | 0.2487% | 5,875 |
| Pretax return on assets | 0.3242% | 5,812 |
| Return on Equity (ROE) | 2.2263% | 5,870 |
| Retained earnings to average equity (ytd only) | 2.2263% | 4,988 |
| Net charge-offs to loans | -0.4000% | 6,759 |
| Credit loss provision to net charge-offs | -303.8462% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0378% | 2,557 |
| Assets per employee ($millions) | 2.9786% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,690 |
| Loan loss allowance to noncurrent loans | 47.0067% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.2830% | 1,731 |
| Noncurrent loans to loans | 2.6414% | 1,602 |
| Net loans and leases to total assets | 56.6105% | 4,230 |
| Net loans and leases to deposits | 63.8857% | 4,531 |
| Net loans and leases to core deposits | 63.8857% | 4,916 |
| Total domestic deposits to total assets | 88.6121% | 1,777 |
| Equity capital to assets | 11.3543% | 2,425 |
| Core capital (leverage) ratio | 11.5176% | 2,029 |
| Tier 1 risk-based capital ratio | 20.3957% | 1,628 |
| Total risk-based capital ratio | 21.6746% | 1,592 |
| Memoranda: | ||
| Average total assets | $30,019,500 | 6,586 |
| Average earning assets | $28,242,500 | 6,557 |
| Average equity | $3,353,500 | 6,539 |
| Average total loans | $17,331,000 | 6,373 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 2,171 |
| Cost of funding earning assets | 0.7985% | 1,419 |
| Net interest margin | 3.7100% | 2,919 |
| Noninterest income to average assets | 1.1363% | 1,180 |
| Noninterest expense to average assets | 3.5551% | 1,493 |
| Loan and lease loss provision to assets | 1.0499% | 171 |
| Net operating income to assets | 0.0199% | 6,281 |
| Return on assets (ROA) | 0.0199% | 6,350 |
| Pretax return on assets | 0.0199% | 6,330 |
| Return on Equity (ROE) | 0.1794% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.1794% | 5,801 |
| Net charge-offs to loans | -0.0459% | 6,235 |
| Credit loss provision to net charge-offs | -3,950.0000% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8678% | 2,654 |
| Assets per employee ($millions) | 2.9196% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,912 |
| Loan loss allowance to noncurrent loans | 38.4977% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 2.2674% | 1,913 |
| Noncurrent loans to loans | 2.5318% | 1,826 |
| Net loans and leases to total assets | 57.0695% | 4,127 |
| Net loans and leases to deposits | 64.4415% | 4,447 |
| Net loans and leases to core deposits | 64.4415% | 4,849 |
| Total domestic deposits to total assets | 88.5601% | 1,882 |
| Equity capital to assets | 11.4057% | 2,372 |
| Core capital (leverage) ratio | 11.1629% | 2,203 |
| Tier 1 risk-based capital ratio | 20.8571% | 1,523 |
| Total risk-based capital ratio | 21.8846% | 1,548 |
| Memoranda: | ||
| Average total assets | $30,097,330 | 6,631 |
| Average earning assets | $28,302,000 | 6,603 |
| Average equity | $3,344,000 | 6,590 |
| Average total loans | $17,416,670 | 6,407 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,520 |
| Cost of funding earning assets | 0.8236% | 1,401 |
| Net interest margin | 3.8809% | 2,177 |
| Noninterest income to average assets | 0.5630% | 3,354 |
| Noninterest expense to average assets | 3.1426% | 2,535 |
| Loan and lease loss provision to assets | 0.2226% | 1,659 |
| Net operating income to assets | 0.6416% | 4,007 |
| Return on assets (ROA) | 0.6416% | 4,169 |
| Pretax return on assets | 0.8380% | 4,010 |
| Return on Equity (ROE) | 5.8490% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.8490% | 2,761 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7664% | 3,128 |
| Assets per employee ($millions) | 3.0258% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1093% | 6,935 |
| Loan loss allowance to noncurrent loans | 3.1148% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 2.8720% | 1,569 |
| Noncurrent loans to loans | 3.5102% | 1,364 |
| Net loans and leases to total assets | 57.3700% | 3,860 |
| Net loans and leases to deposits | 64.6421% | 4,236 |
| Net loans and leases to core deposits | 64.6421% | 4,684 |
| Total domestic deposits to total assets | 88.7501% | 1,832 |
| Equity capital to assets | 11.1574% | 2,787 |
| Core capital (leverage) ratio | 10.9795% | 2,283 |
| Tier 1 risk-based capital ratio | 20.3583% | 1,687 |
| Total risk-based capital ratio | 20.4729% | 1,949 |
| Memoranda: | ||
| Average total assets | $30,548,000 | 6,694 |
| Average earning assets | $28,653,500 | 6,658 |
| Average equity | $3,351,000 | 6,652 |
| Average total loans | $17,712,000 | 6,457 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5802% | 7,051 |
| Cost of funding earning assets | 0.1034% | 6,992 |
| Net interest margin | 0.4768% | 7,051 |
| Noninterest income to average assets | 0.0489% | 6,696 |
| Noninterest expense to average assets | 0.4342% | 7,047 |
| Loan and lease loss provision to assets | 0.0061% | 5,849 |
| Net operating income to assets | 0.0367% | 6,108 |
| Return on assets (ROA) | 0.0367% | 6,251 |
| Pretax return on assets | 0.0459% | 6,224 |
| Return on Equity (ROE) | 0.4426% | 6,231 |
| Retained earnings to average equity (ytd only) | 0.4426% | 5,632 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3082% | 1,123 |
| Assets per employee ($millions) | 3.0838% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0111% | 7,006 |
| Loan loss allowance to noncurrent loans | 0.2215% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 3.7713% | 1,173 |
| Noncurrent loans to loans | 5.0039% | 797 |
| Net loans and leases to total assets | 58.5122% | 3,881 |
| Net loans and leases to deposits | 65.6313% | 4,341 |
| Net loans and leases to core deposits | 65.6313% | 4,778 |
| Total domestic deposits to total assets | 89.1530% | 1,470 |
| Equity capital to assets | 10.7854% | 3,184 |
| Core capital (leverage) ratio | 10.7998% | 2,443 |
| Tier 1 risk-based capital ratio | 19.0373% | 1,945 |
| Total risk-based capital ratio | 19.0487% | 2,305 |
| Memoranda: | ||
| Average total assets | $32,701,200 | 6,691 |
| Average earning assets | $29,989,400 | 6,662 |
| Average equity | $2,711,000 | 6,842 |
| Average total loans | $23,521,600 | 6,266 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6920% | 467 |
| Cost of funding earning assets | 1.0857% | 1,122 |
| Net interest margin | 4.6064% | 807 |
| Noninterest income to average assets | 0.2854% | 5,502 |
| Noninterest expense to average assets | 3.5376% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9608% | 2,699 |
| Return on assets (ROA) | 0.9608% | 2,914 |
| Pretax return on assets | 0.9608% | 3,869 |
| Return on Equity (ROE) | 12.4610% | 1,479 |
| Retained earnings to average equity (ytd only) | 12.4610% | 455 |
| Net charge-offs to loans | 2.5069% | 245 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5107% | 5,062 |
| Efficiency ratio | 78.6416% | 2,294 |
| Assets per employee ($millions) | 2.5333% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7265% | 85 |
| Loan loss allowance to noncurrent loans | 78.7207% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 7.3454% | 466 |
| Noncurrent loans to loans | 7.2745% | 489 |
| Net loans and leases to total assets | 67.3125% | 2,403 |
| Net loans and leases to deposits | 73.5682% | 3,363 |
| Net loans and leases to core deposits | 73.5682% | 4,035 |
| Total domestic deposits to total assets | 91.4967% | 289 |
| Equity capital to assets | 8.4605% | 6,299 |
| Core capital (leverage) ratio | 8.2240% | 6,112 |
| Tier 1 risk-based capital ratio | 13.3955% | 4,952 |
| Total risk-based capital ratio | 14.7085% | 4,868 |
| Memoranda: | ||
| Average total assets | $33,167,000 | 6,756 |
| Average earning assets | $30,334,000 | 6,740 |
| Average equity | $2,557,250 | 6,958 |
| Average total loans | $24,890,500 | 6,286 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 407 |
| Cost of funding earning assets | 1.1717% | 935 |
| Net interest margin | 4.6224% | 792 |
| Noninterest income to average assets | 0.1173% | 6,599 |
| Noninterest expense to average assets | 3.3324% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9974% | 2,475 |
| Return on assets (ROA) | 0.9974% | 2,699 |
| Pretax return on assets | 0.9974% | 3,719 |
| Return on Equity (ROE) | 13.3212% | 1,278 |
| Retained earnings to average equity (ytd only) | 13.3212% | 406 |
| Net charge-offs to loans | 2.8052% | 222 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4670% | 4,842 |
| Efficiency ratio | 76.9648% | 2,597 |
| Assets per employee ($millions) | 2.4912% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6816% | 96 |
| Loan loss allowance to noncurrent loans | 71.0818% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 7.5621% | 479 |
| Noncurrent loans to loans | 7.9931% | 434 |
| Net loans and leases to total assets | 69.0474% | 2,093 |
| Net loans and leases to deposits | 75.2009% | 3,101 |
| Net loans and leases to core deposits | 75.2009% | 3,852 |
| Total domestic deposits to total assets | 91.8172% | 254 |
| Equity capital to assets | 8.1396% | 6,493 |
| Core capital (leverage) ratio | 7.8763% | 6,387 |
| Tier 1 risk-based capital ratio | 12.5854% | 5,511 |
| Total risk-based capital ratio | 13.8988% | 5,435 |
| Memoranda: | ||
| Average total assets | $34,089,330 | 6,784 |
| Average earning assets | $31,066,330 | 6,766 |
| Average equity | $2,552,330 | 7,002 |
| Average total loans | $25,952,000 | 6,266 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8311% | 405 |
| Cost of funding earning assets | 1.2861% | 667 |
| Net interest margin | 4.5450% | 932 |
| Noninterest income to average assets | 0.1717% | 6,350 |
| Noninterest expense to average assets | 3.3198% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0188% | 2,402 |
| Return on assets (ROA) | 1.0188% | 2,596 |
| Pretax return on assets | 1.0188% | 3,611 |
| Return on Equity (ROE) | 14.1804% | 1,153 |
| Retained earnings to average equity (ytd only) | 14.1804% | 548 |
| Net charge-offs to loans | 2.4673% | 340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5329% | 4,071 |
| Efficiency ratio | 76.5172% | 2,709 |
| Assets per employee ($millions) | 2.8778% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8165% | 92 |
| Loan loss allowance to noncurrent loans | 64.9832% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 8.6089% | 425 |
| Noncurrent loans to loans | 8.9508% | 382 |
| Net loans and leases to total assets | 72.3953% | 1,328 |
| Net loans and leases to deposits | 78.2602% | 2,459 |
| Net loans and leases to core deposits | 78.2602% | 3,291 |
| Total domestic deposits to total assets | 92.5059% | 190 |
| Equity capital to assets | 7.3985% | 6,819 |
| Core capital (leverage) ratio | 7.2106% | 6,761 |
| Tier 1 risk-based capital ratio | 10.9393% | 6,565 |
| Total risk-based capital ratio | 12.2579% | 6,519 |
| Memoranda: | ||
| Average total assets | $34,941,500 | 6,825 |
| Average earning assets | $32,035,000 | 6,793 |
| Average equity | $2,510,500 | 7,061 |
| Average total loans | $27,074,000 | 6,244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8337% | 596 |
| Cost of funding earning assets | 1.5027% | 711 |
| Net interest margin | 4.3310% | 1,601 |
| Noninterest income to average assets | 0.2637% | 5,645 |
| Noninterest expense to average assets | 2.6447% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6810% | 571 |
| Return on assets (ROA) | 1.6810% | 609 |
| Pretax return on assets | 1.6538% | 1,096 |
| Return on Equity (ROE) | 31.2214% | 39 |
| Retained earnings to average equity (ytd only) | 25.4990% | 20 |
| Net charge-offs to loans | 0.2864% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.5393% | 2,325 |
| Efficiency ratio | 61.5252% | 5,533 |
| Assets per employee ($millions) | 2.9458% | 6,204 |
| Cash dividends to net income (ytd only)* | 18.3284% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1986% | 80 |
| Loan loss allowance to noncurrent loans | 78.0210% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 7.8644% | 527 |
| Noncurrent loans to loans | 7.9448% | 508 |
| Net loans and leases to total assets | 73.2468% | 1,397 |
| Net loans and leases to deposits | 78.8237% | 2,707 |
| Net loans and leases to core deposits | 79.4550% | 3,513 |
| Total domestic deposits to total assets | 92.9248% | 139 |
| Equity capital to assets | 6.9762% | 6,972 |
| Core capital (leverage) ratio | 6.6392% | 6,953 |
| Tier 1 risk-based capital ratio | 10.1974% | 6,800 |
| Total risk-based capital ratio | 11.5215% | 6,755 |
| Memoranda: | ||
| Average total assets | $40,572,000 | 6,655 |
| Average earning assets | $37,797,600 | 6,613 |
| Average equity | $2,184,400 | 7,185 |
| Average total loans | $31,075,400 | 6,120 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7905% | 712 |
| Cost of funding earning assets | 1.5594% | 693 |
| Net interest margin | 4.2311% | 1,982 |
| Noninterest income to average assets | 0.2611% | 5,753 |
| Noninterest expense to average assets | 2.6171% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6269% | 742 |
| Return on assets (ROA) | 1.6269% | 814 |
| Pretax return on assets | 1.5919% | 1,411 |
| Return on Equity (ROE) | 32.2289% | 42 |
| Retained earnings to average equity (ytd only) | 24.3448% | 42 |
| Net charge-offs to loans | 0.3631% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.7470% | 2,708 |
| Efficiency ratio | 62.1785% | 5,384 |
| Assets per employee ($millions) | 3.5923% | 4,780 |
| Cash dividends to net income (ytd only)* | 24.4613% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8046% | 106 |
| Loan loss allowance to noncurrent loans | 74.9672% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 7.2428% | 665 |
| Noncurrent loans to loans | 7.7429% | 586 |
| Net loans and leases to total assets | 70.3480% | 2,006 |
| Net loans and leases to deposits | 74.7720% | 3,550 |
| Net loans and leases to core deposits | 75.2966% | 4,280 |
| Total domestic deposits to total assets | 94.0833% | 77 |
| Equity capital to assets | 5.8079% | 7,206 |
| Core capital (leverage) ratio | 5.6039% | 7,173 |
| Tier 1 risk-based capital ratio | 8.7456% | 7,138 |
| Total risk-based capital ratio | 10.0607% | 7,137 |
| Memoranda: | ||
| Average total assets | $41,877,750 | 6,665 |
| Average earning assets | $39,074,500 | 6,626 |
| Average equity | $2,114,000 | 7,267 |
| Average total loans | $31,943,500 | 6,138 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2816% | 283 |
| Cost of funding earning assets | 1.5767% | 768 |
| Net interest margin | 4.7050% | 717 |
| Noninterest income to average assets | 0.1969% | 6,263 |
| Noninterest expense to average assets | 2.5970% | 5,196 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0438% | 321 |
| Return on assets (ROA) | 2.0438% | 333 |
| Pretax return on assets | 1.9922% | 595 |
| Return on Equity (ROE) | 42.4606% | 30 |
| Retained earnings to average equity (ytd only) | 36.1304% | 26 |
| Net charge-offs to loans | 0.3053% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,046 |
| Efficiency ratio | 56.5884% | 6,346 |
| Assets per employee ($millions) | 4.1244% | 3,499 |
| Cash dividends to net income (ytd only)* | 14.9083% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5757% | 136 |
| Loan loss allowance to noncurrent loans | 89.1493% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 5.4529% | 1,088 |
| Noncurrent loans to loans | 6.2544% | 920 |
| Net loans and leases to total assets | 71.8553% | 1,815 |
| Net loans and leases to deposits | 76.1420% | 3,440 |
| Net loans and leases to core deposits | 79.6538% | 3,836 |
| Total domestic deposits to total assets | 94.3701% | 65 |
| Equity capital to assets | 5.5281% | 7,290 |
| Core capital (leverage) ratio | 5.4179% | 7,263 |
| Tier 1 risk-based capital ratio | 8.3244% | 7,229 |
| Total risk-based capital ratio | 9.6376% | 7,227 |
| Memoranda: | ||
| Average total assets | $42,665,330 | 6,691 |
| Average earning assets | $39,830,330 | 6,646 |
| Average equity | $2,053,670 | 7,334 |
| Average total loans | $32,754,330 | 6,151 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4904% | 214 |
| Cost of funding earning assets | 1.6374% | 708 |
| Net interest margin | 4.8530% | 510 |
| Noninterest income to average assets | 0.2029% | 6,272 |
| Noninterest expense to average assets | 2.4899% | 5,587 |
| Loan and lease loss provision to assets | 1.1527% | 618 |
| Net operating income to assets | 1.1988% | 1,526 |
| Return on assets (ROA) | 1.1988% | 1,571 |
| Pretax return on assets | 1.0974% | 2,764 |
| Return on Equity (ROE) | 26.7972% | 121 |
| Retained earnings to average equity (ytd only) | 13.3986% | 533 |
| Net charge-offs to loans | 0.5862% | 2,025 |
| Credit loss provision to net charge-offs | 255.1020% | 1,223 |
| Earnings coverage of net charge-offs (x) | 4.9796% | 2,360 |
| Efficiency ratio | 52.5292% | 6,818 |
| Assets per employee ($millions) | 3.8809% | 4,117 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6346% | 129 |
| Loan loss allowance to noncurrent loans | 428.3105% | 733 |
| Noncurrent assets plus other real estate owned to assets | 1.7873% | 3,591 |
| Noncurrent loans to loans | 1.3156% | 4,498 |
| Net loans and leases to total assets | 73.5957% | 1,406 |
| Net loans and leases to deposits | 77.3024% | 3,190 |
| Net loans and leases to core deposits | 82.9124% | 3,322 |
| Total domestic deposits to total assets | 95.2050% | 51 |
| Equity capital to assets | 4.6217% | 7,399 |
| Core capital (leverage) ratio | 4.1968% | 7,421 |
| Tier 1 risk-based capital ratio | 6.6532% | 7,391 |
| Total risk-based capital ratio | 7.9678% | 7,391 |
| Memoranda: | ||
| Average total assets | $43,376,000 | 6,710 |
| Average earning assets | $40,552,500 | 6,664 |
| Average equity | $1,940,500 | 7,403 |
| Average total loans | $33,438,500 | 6,157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4482% | 342 |
| Cost of funding earning assets | 1.7791% | 1,259 |
| Net interest margin | 4.6692% | 870 |
| Noninterest income to average assets | 0.3243% | 5,466 |
| Noninterest expense to average assets | 2.4380% | 5,982 |
| Loan and lease loss provision to assets | 8.5397% | 13 |
| Net operating income to assets | -5.0527% | 7,538 |
| Return on assets (ROA) | -5.0527% | 7,545 |
| Pretax return on assets | -6.2448% | 7,591 |
| Return on Equity (ROE) | -58.5537% | 7,478 |
| Retained earnings to average equity (ytd only) | -60.3681% | 7,483 |
| Net charge-offs to loans | 6.7692% | 66 |
| Credit loss provision to net charge-offs | 163.5118% | 2,120 |
| Earnings coverage of net charge-offs (x) | 0.4394% | 5,670 |
| Efficiency ratio | 51.5123% | 7,025 |
| Assets per employee ($millions) | 4.0056% | 3,777 |
| Cash dividends to net income (ytd only)* | -3.0987% | 7,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3599% | 155 |
| Loan loss allowance to noncurrent loans | 247.2527% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 2.3058% | 2,964 |
| Noncurrent loans to loans | 2.1678% | 3,349 |
| Net loans and leases to total assets | 72.1324% | 2,073 |
| Net loans and leases to deposits | 75.6414% | 3,897 |
| Net loans and leases to core deposits | 80.9037% | 4,079 |
| Total domestic deposits to total assets | 95.3611% | 53 |
| Equity capital to assets | 4.3303% | 7,492 |
| Core capital (leverage) ratio | 4.1401% | 7,485 |
| Tier 1 risk-based capital ratio | 6.5262% | 7,457 |
| Total risk-based capital ratio | 7.8362% | 7,457 |
| Memoranda: | ||
| Average total assets | $44,709,000 | 6,704 |
| Average earning assets | $42,213,200 | 6,633 |
| Average equity | $3,858,000 | 7,044 |
| Average total loans | $34,494,400 | 6,182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4846% | 352 |
| Cost of funding earning assets | 1.8097% | 1,383 |
| Net interest margin | 4.6749% | 893 |
| Noninterest income to average assets | 0.3150% | 5,630 |
| Noninterest expense to average assets | 2.4217% | 5,965 |
| Loan and lease loss provision to assets | 1.2926% | 1,080 |
| Net operating income to assets | 0.6389% | 3,707 |
| Return on assets (ROA) | 0.6389% | 3,876 |
| Pretax return on assets | 1.0222% | 3,105 |
| Return on Equity (ROE) | 6.5967% | 3,532 |
| Retained earnings to average equity (ytd only) | 4.4490% | 3,371 |
| Net charge-offs to loans | 2.0236% | 931 |
| Credit loss provision to net charge-offs | 82.5427% | 5,053 |
| Earnings coverage of net charge-offs (x) | 1.4782% | 4,619 |
| Efficiency ratio | 51.1292% | 7,061 |
| Assets per employee ($millions) | 4.1469% | 3,552 |
| Cash dividends to net income (ytd only)* | 32.5577% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 7,275 |
| Loan loss allowance to noncurrent loans | 19.9468% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 3.1919% | 2,248 |
| Noncurrent loans to loans | 3.2837% | 2,412 |
| Net loans and leases to total assets | 74.8115% | 1,618 |
| Net loans and leases to deposits | 83.0903% | 2,890 |
| Net loans and leases to core deposits | 88.9764% | 3,241 |
| Total domestic deposits to total assets | 90.0364% | 860 |
| Equity capital to assets | 9.6063% | 4,682 |
| Core capital (leverage) ratio | 9.7190% | 3,595 |
| Tier 1 risk-based capital ratio | 14.0121% | 3,824 |
| Total risk-based capital ratio | 14.7316% | 4,170 |
| Memoranda: | ||
| Average total assets | $44,870,750 | 6,784 |
| Average earning assets | $42,438,000 | 6,712 |
| Average equity | $4,345,500 | 6,963 |
| Average total loans | $34,722,250 | 6,252 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7403% | 227 |
| Cost of funding earning assets | 1.8430% | 1,465 |
| Net interest margin | 4.8973% | 541 |
| Noninterest income to average assets | 0.3675% | 5,200 |
| Noninterest expense to average assets | 2.5055% | 5,704 |
| Loan and lease loss provision to assets | 1.2774% | 1,086 |
| Net operating income to assets | 0.7530% | 3,183 |
| Return on assets (ROA) | 0.7530% | 3,339 |
| Pretax return on assets | 1.2057% | 2,397 |
| Return on Equity (ROE) | 7.7539% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.7539% | 1,528 |
| Net charge-offs to loans | 1.1881% | 1,603 |
| Credit loss provision to net charge-offs | 137.6812% | 2,909 |
| Earnings coverage of net charge-offs (x) | 2.6763% | 3,658 |
| Efficiency ratio | 50.2246% | 7,207 |
| Assets per employee ($millions) | 3.7132% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 5,704 |
| Loan loss allowance to noncurrent loans | 35.9673% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 3.2071% | 2,209 |
| Noncurrent loans to loans | 3.1900% | 2,510 |
| Net loans and leases to total assets | 76.5699% | 1,377 |
| Net loans and leases to deposits | 85.2907% | 2,641 |
| Net loans and leases to core deposits | 85.2907% | 3,938 |
| Total domestic deposits to total assets | 89.7751% | 1,036 |
| Equity capital to assets | 9.8905% | 4,151 |
| Core capital (leverage) ratio | 9.9274% | 3,248 |
| Tier 1 risk-based capital ratio | 14.1567% | 3,629 |
| Total risk-based capital ratio | 15.4291% | 3,572 |
| Memoranda: | ||
| Average total assets | $44,622,330 | 6,846 |
| Average earning assets | $42,104,670 | 6,775 |
| Average equity | $4,333,330 | 7,000 |
| Average total loans | $34,846,000 | 6,293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7740% | 230 |
| Cost of funding earning assets | 1.8827% | 1,520 |
| Net interest margin | 4.8913% | 528 |
| Noninterest income to average assets | 0.3493% | 5,344 |
| Noninterest expense to average assets | 2.5261% | 5,631 |
| Loan and lease loss provision to assets | 1.0122% | 1,231 |
| Net operating income to assets | 0.9495% | 2,362 |
| Return on assets (ROA) | 0.9495% | 2,429 |
| Pretax return on assets | 1.4422% | 1,661 |
| Return on Equity (ROE) | 9.8685% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.8685% | 1,172 |
| Net charge-offs to loans | 1.3595% | 1,266 |
| Credit loss provision to net charge-offs | 94.9580% | 3,547 |
| Earnings coverage of net charge-offs (x) | 2.3025% | 3,388 |
| Efficiency ratio | 50.7194% | 7,263 |
| Assets per employee ($millions) | 3.7324% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 6,855 |
| Loan loss allowance to noncurrent loans | 23.7043% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 3.5187% | 2,000 |
| Noncurrent loans to loans | 3.7752% | 2,099 |
| Net loans and leases to total assets | 76.8983% | 1,348 |
| Net loans and leases to deposits | 85.4937% | 2,682 |
| Net loans and leases to core deposits | 90.9984% | 3,227 |
| Total domestic deposits to total assets | 89.9462% | 1,016 |
| Equity capital to assets | 9.7077% | 4,218 |
| Core capital (leverage) ratio | 9.7318% | 3,474 |
| Tier 1 risk-based capital ratio | 13.8706% | 3,749 |
| Total risk-based capital ratio | 14.8637% | 3,879 |
| Memoranda: | ||
| Average total assets | $44,654,500 | 6,931 |
| Average earning assets | $42,279,500 | 6,848 |
| Average equity | $4,296,500 | 7,072 |
| Average total loans | $35,012,000 | 6,368 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7113% | 454 |
| Cost of funding earning assets | 2.1075% | 2,422 |
| Net interest margin | 4.6038% | 978 |
| Noninterest income to average assets | 0.5204% | 4,260 |
| Noninterest expense to average assets | 2.6709% | 5,513 |
| Loan and lease loss provision to assets | 1.0177% | 2,241 |
| Net operating income to assets | 0.7806% | 2,601 |
| Return on assets (ROA) | 0.7806% | 2,694 |
| Pretax return on assets | 1.2480% | 1,832 |
| Return on Equity (ROE) | 8.1237% | 2,320 |
| Retained earnings to average equity (ytd only) | 4.2895% | 2,223 |
| Net charge-offs to loans | 1.0987% | 2,222 |
| Credit loss provision to net charge-offs | 121.4286% | 4,380 |
| Earnings coverage of net charge-offs (x) | 2.7033% | 3,752 |
| Efficiency ratio | 54.1045% | 7,218 |
| Assets per employee ($millions) | 3.7100% | 4,496 |
| Cash dividends to net income (ytd only)* | 47.1976% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 6,816 |
| Loan loss allowance to noncurrent loans | 19.7631% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 4.1375% | 1,581 |
| Noncurrent loans to loans | 4.5476% | 1,556 |
| Net loans and leases to total assets | 78.5130% | 1,280 |
| Net loans and leases to deposits | 87.6106% | 2,628 |
| Net loans and leases to core deposits | 141.2797% | 764 |
| Total domestic deposits to total assets | 89.6159% | 1,148 |
| Equity capital to assets | 9.5350% | 4,376 |
| Core capital (leverage) ratio | 9.3465% | 3,906 |
| Tier 1 risk-based capital ratio | 13.3120% | 3,940 |
| Total risk-based capital ratio | 14.3077% | 4,049 |
| Memoranda: | ||
| Average total assets | $43,430,400 | 6,970 |
| Average earning assets | $41,661,000 | 6,877 |
| Average equity | $4,173,000 | 7,223 |
| Average total loans | $33,131,400 | 6,456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9345% | 335 |
| Cost of funding earning assets | 2.1572% | 2,614 |
| Net interest margin | 4.7773% | 717 |
| Noninterest income to average assets | 0.5746% | 3,893 |
| Noninterest expense to average assets | 2.6260% | 5,618 |
| Loan and lease loss provision to assets | 0.9731% | 1,975 |
| Net operating income to assets | 0.9793% | 2,132 |
| Return on assets (ROA) | 0.9793% | 2,190 |
| Pretax return on assets | 1.5663% | 1,250 |
| Return on Equity (ROE) | 10.1723% | 1,857 |
| Retained earnings to average equity (ytd only) | 5.0380% | 2,468 |
| Net charge-offs to loans | 0.9694% | 2,035 |
| Credit loss provision to net charge-offs | 132.9114% | 3,760 |
| Earnings coverage of net charge-offs (x) | 3.4684% | 3,518 |
| Efficiency ratio | 50.8373% | 7,496 |
| Assets per employee ($millions) | 3.7867% | 4,212 |
| Cash dividends to net income (ytd only)* | 50.4732% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,556 |
| Loan loss allowance to noncurrent loans | 18.0730% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 3.9811% | 1,614 |
| Noncurrent loans to loans | 5.2466% | 1,223 |
| Net loans and leases to total assets | 72.8741% | 2,828 |
| Net loans and leases to deposits | 80.9930% | 4,199 |
| Net loans and leases to core deposits | 128.7881% | 1,515 |
| Total domestic deposits to total assets | 89.9758% | 773 |
| Equity capital to assets | 9.2980% | 5,040 |
| Core capital (leverage) ratio | 10.0002% | 3,283 |
| Tier 1 risk-based capital ratio | 13.6000% | 3,776 |
| Total risk-based capital ratio | 14.6226% | 3,890 |
| Memoranda: | ||
| Average total assets | $43,158,000 | 7,038 |
| Average earning assets | $41,472,750 | 6,938 |
| Average equity | $4,155,000 | 7,300 |
| Average total loans | $32,596,500 | 6,531 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1457% | 254 |
| Cost of funding earning assets | 2.2692% | 2,494 |
| Net interest margin | 4.8765% | 566 |
| Noninterest income to average assets | 0.5614% | 3,954 |
| Noninterest expense to average assets | 2.6983% | 5,390 |
| Loan and lease loss provision to assets | 0.8963% | 1,884 |
| Net operating income to assets | 1.0378% | 1,981 |
| Return on assets (ROA) | 1.0378% | 2,060 |
| Pretax return on assets | 1.6605% | 1,091 |
| Return on Equity (ROE) | 10.6494% | 1,805 |
| Retained earnings to average equity (ytd only) | 6.7769% | 1,672 |
| Net charge-offs to loans | 0.6993% | 2,303 |
| Credit loss provision to net charge-offs | 168.1416% | 2,737 |
| Earnings coverage of net charge-offs (x) | 4.7965% | 3,001 |
| Efficiency ratio | 51.3465% | 7,565 |
| Assets per employee ($millions) | 3.4623% | 4,917 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,465 |
| Loan loss allowance to noncurrent loans | 27.3356% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 2.9147% | 2,188 |
| Noncurrent loans to loans | 3.5362% | 1,982 |
| Net loans and leases to total assets | 77.9195% | 1,759 |
| Net loans and leases to deposits | 87.3439% | 3,293 |
| Net loans and leases to core deposits | 130.8199% | 1,495 |
| Total domestic deposits to total assets | 89.2101% | 1,164 |
| Equity capital to assets | 10.1329% | 3,787 |
| Core capital (leverage) ratio | 9.8580% | 3,442 |
| Tier 1 risk-based capital ratio | 14.1609% | 3,424 |
| Total risk-based capital ratio | 15.2266% | 3,470 |
| Memoranda: | ||
| Average total assets | $42,397,330 | 7,118 |
| Average earning assets | $40,808,000 | 7,024 |
| Average equity | $4,131,670 | 7,366 |
| Average total loans | $32,318,330 | 6,599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2078% | 252 |
| Cost of funding earning assets | 2.3476% | 2,513 |
| Net interest margin | 4.8602% | 540 |
| Noninterest income to average assets | 0.5138% | 4,198 |
| Noninterest expense to average assets | 2.6622% | 5,174 |
| Loan and lease loss provision to assets | 0.7006% | 1,813 |
| Net operating income to assets | 1.1489% | 1,807 |
| Return on assets (ROA) | 1.1489% | 1,931 |
| Pretax return on assets | 1.8308% | 922 |
| Return on Equity (ROE) | 12.0220% | 1,653 |
| Retained earnings to average equity (ytd only) | 4.2028% | 3,574 |
| Net charge-offs to loans | 0.8091% | 1,599 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 4.1692% | 2,954 |
| Efficiency ratio | 51.2590% | 7,484 |
| Assets per employee ($millions) | 3.6038% | 4,557 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 7,263 |
| Loan loss allowance to noncurrent loans | 28.9535% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 2.1158% | 2,728 |
| Noncurrent loans to loans | 2.6477% | 2,479 |
| Net loans and leases to total assets | 74.5317% | 2,615 |
| Net loans and leases to deposits | 82.7926% | 4,166 |
| Net loans and leases to core deposits | 122.4992% | 2,212 |
| Total domestic deposits to total assets | 90.0222% | 794 |
| Equity capital to assets | 9.5130% | 4,645 |
| Core capital (leverage) ratio | 9.5970% | 3,871 |
| Tier 1 risk-based capital ratio | 13.6509% | 3,766 |
| Total risk-based capital ratio | 14.4797% | 3,958 |
| Memoranda: | ||
| Average total assets | $42,822,000 | 7,139 |
| Average earning assets | $41,233,000 | 7,049 |
| Average equity | $4,092,500 | 7,422 |
| Average total loans | $32,132,500 | 6,637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4013% | 488 |
| Cost of funding earning assets | 3.0746% | 1,593 |
| Net interest margin | 4.3267% | 1,895 |
| Noninterest income to average assets | 0.4376% | 5,141 |
| Noninterest expense to average assets | 2.4305% | 6,295 |
| Loan and lease loss provision to assets | 1.0298% | 1,421 |
| Net operating income to assets | 0.7206% | 3,801 |
| Return on assets (ROA) | 0.7206% | 3,630 |
| Pretax return on assets | 1.1273% | 2,929 |
| Return on Equity (ROE) | 7.9465% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.8484% | 1,592 |
| Net charge-offs to loans | 1.5498% | 745 |
| Credit loss provision to net charge-offs | 87.8296% | 5,725 |
| Earnings coverage of net charge-offs (x) | 1.8398% | 5,153 |
| Efficiency ratio | 52.9808% | 7,384 |
| Assets per employee ($millions) | 3.5332% | 4,584 |
| Cash dividends to net income (ytd only)* | 26.4026% | 4,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 7,289 |
| Loan loss allowance to noncurrent loans | 86.2319% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 5,024 |
| Noncurrent loans to loans | 0.8684% | 4,884 |
| Net loans and leases to total assets | 74.4045% | 3,010 |
| Net loans and leases to deposits | 82.7697% | 4,612 |
| Net loans and leases to core deposits | 125.5662% | 2,198 |
| Total domestic deposits to total assets | 89.8934% | 692 |
| Equity capital to assets | 9.6019% | 4,540 |
| Core capital (leverage) ratio | 9.4347% | 4,112 |
| Tier 1 risk-based capital ratio | 13.8981% | 3,591 |
| Total risk-based capital ratio | 14.7134% | 3,743 |
| Memoranda: | ||
| Average total assets | $42,048,600 | 7,125 |
| Average earning assets | $40,331,000 | 7,027 |
| Average equity | $3,813,000 | 7,573 |
| Average total loans | $31,810,400 | 6,615 |