Home > Flushing Bank > Performance and Condition Ratios
Flushing 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 | 5.1789% | 1,710 |
| Cost of funding earning assets | 2.6611% | 267 |
| Net interest margin | 2.5178% | 4,077 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.7307% | 4,100 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.4201% | 3,827 |
| Return on assets (ROA) | 0.4216% | 3,823 |
| Pretax return on assets | 0.6098% | 3,613 |
| Return on Equity (ROE) | 4.1100% | 3,868 |
| Retained earnings to average equity (ytd only) | -10.2279% | 4,467 |
| Net charge-offs to loans | 0.1568% | 664 |
| Credit loss provision to net charge-offs | 97.4010% | 1,874 |
| Earnings coverage of net charge-offs (x) | 5.7623% | 2,511 |
| Efficiency ratio | 70.0120% | 1,874 |
| Assets per employee ($millions) | 15.3526% | 195 |
| Cash dividends to net income (ytd only)* | 348.8989% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 4,266 |
| Loan loss allowance to noncurrent loans | 159.5463% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 1,030 |
| Noncurrent loans to loans | 0.3644% | 1,895 |
| Net loans and leases to total assets | 80.4400% | 588 |
| Net loans and leases to deposits | 99.3669% | 571 |
| Net loans and leases to core deposits | 129.1203% | 412 |
| Total domestic deposits to total assets | 80.9600% | 3,314 |
| Equity capital to assets | 9.3641% | 2,445 |
| Core capital (leverage) ratio | 9.4667% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8111% | 2,300 |
| Memoranda: | ||
| Average total assets | $8,497,055,800 | 179 |
| Average earning assets | $7,901,237,600 | 173 |
| Average equity | $871,859,600 | 181 |
| Average total loans | $6,894,878,800 | 162 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 1,765 |
| Cost of funding earning assets | 2.5471% | 251 |
| Net interest margin | 2.4874% | 4,157 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.6390% | 4,200 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.4648% | 3,836 |
| Return on assets (ROA) | 0.4604% | 3,848 |
| Pretax return on assets | 0.6289% | 3,686 |
| Return on Equity (ROE) | 4.3900% | 3,920 |
| Retained earnings to average equity (ytd only) | 0.6454% | 4,023 |
| Net charge-offs to loans | 0.2080% | 423 |
| Credit loss provision to net charge-offs | 88.7091% | 1,703 |
| Earnings coverage of net charge-offs (x) | 4.6382% | 2,386 |
| Efficiency ratio | 67.4215% | 2,086 |
| Assets per employee ($millions) | 15.2870% | 186 |
| Cash dividends to net income (ytd only)* | 85.3009% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5688% | 4,304 |
| Loan loss allowance to noncurrent loans | 225.3835% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 1,304 |
| Noncurrent loans to loans | 0.2524% | 2,332 |
| Net loans and leases to total assets | 79.9500% | 654 |
| Net loans and leases to deposits | 102.5243% | 412 |
| Net loans and leases to core deposits | 134.5127% | 285 |
| Total domestic deposits to total assets | 77.9900% | 3,817 |
| Equity capital to assets | 10.3847% | 1,602 |
| Core capital (leverage) ratio | 10.6080% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0647% | 1,874 |
| Memoranda: | ||
| Average total assets | $8,487,306,750 | 181 |
| Average earning assets | $7,887,139,500 | 175 |
| Average equity | $889,993,500 | 181 |
| Average total loans | $6,891,861,000 | 164 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 1,853 |
| Cost of funding earning assets | 2.3943% | 231 |
| Net interest margin | 2.4688% | 4,239 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.6707% | 4,185 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.3943% | 4,012 |
| Return on assets (ROA) | 0.3943% | 4,024 |
| Pretax return on assets | 0.5367% | 3,900 |
| Return on Equity (ROE) | 3.7500% | 4,061 |
| Retained earnings to average equity (ytd only) | 0.3765% | 4,008 |
| Net charge-offs to loans | 0.3133% | 267 |
| Credit loss provision to net charge-offs | 82.8701% | 1,540 |
| Earnings coverage of net charge-offs (x) | 2.9151% | 2,293 |
| Efficiency ratio | 68.9441% | 1,871 |
| Assets per employee ($millions) | 14.9961% | 199 |
| Cash dividends to net income (ytd only)* | 89.9550% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 4,333 |
| Loan loss allowance to noncurrent loans | 207.0773% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 1,151 |
| Noncurrent loans to loans | 0.2728% | 2,174 |
| Net loans and leases to total assets | 80.1800% | 611 |
| Net loans and leases to deposits | 100.9466% | 476 |
| Net loans and leases to core deposits | 130.0296% | 326 |
| Total domestic deposits to total assets | 79.4300% | 3,663 |
| Equity capital to assets | 10.5411% | 1,581 |
| Core capital (leverage) ratio | 10.6705% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3329% | 1,777 |
| Memoranda: | ||
| Average total assets | $8,457,737,333 | 176 |
| Average earning assets | $7,866,727,000 | 172 |
| Average equity | $889,794,667 | 174 |
| Average total loans | $6,890,456,667 | 159 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 1,742 |
| Cost of funding earning assets | 2.2352% | 179 |
| Net interest margin | 2.5116% | 4,292 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.7216% | 4,168 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 0.2687% | 4,289 |
| Return on assets (ROA) | 0.2755% | 4,246 |
| Pretax return on assets | 0.3713% | 4,170 |
| Return on Equity (ROE) | 2.6200% | 4,228 |
| Retained earnings to average equity (ytd only) | -1.8826% | 4,202 |
| Net charge-offs to loans | 0.5338% | 153 |
| Credit loss provision to net charge-offs | 81.4490% | 1,207 |
| Earnings coverage of net charge-offs (x) | 1.6336% | 1,959 |
| Efficiency ratio | 70.4382% | 1,707 |
| Assets per employee ($millions) | 14.8488% | 212 |
| Cash dividends to net income (ytd only)* | 171.8213% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5610% | 4,395 |
| Loan loss allowance to noncurrent loans | 182.8910% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,042 |
| Noncurrent loans to loans | 0.3067% | 2,048 |
| Net loans and leases to total assets | 80.9700% | 459 |
| Net loans and leases to deposits | 101.6491% | 374 |
| Net loans and leases to core deposits | 125.6705% | 333 |
| Total domestic deposits to total assets | 79.6600% | 3,812 |
| Equity capital to assets | 10.4430% | 1,593 |
| Core capital (leverage) ratio | 10.5450% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1806% | 1,914 |
| Memoranda: | ||
| Average total assets | $8,450,195,000 | 183 |
| Average earning assets | $7,865,372,500 | 177 |
| Average equity | $888,127,000 | 179 |
| Average total loans | $6,919,472,500 | 163 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 1,352 |
| Cost of funding earning assets | 0.8487% | 323 |
| Net interest margin | 3.3011% | 2,562 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.7020% | 4,175 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0330% | 2,443 |
| Return on assets (ROA) | 0.9150% | 2,840 |
| Pretax return on assets | 1.2833% | 2,149 |
| Return on Equity (ROE) | 8.9700% | 3,140 |
| Retained earnings to average equity (ytd only) | 3.0701% | 3,696 |
| Net charge-offs to loans | 0.0226% | 1,610 |
| Credit loss provision to net charge-offs | 315.4397% | 892 |
| Earnings coverage of net charge-offs (x) | 80.6736% | 1,082 |
| Efficiency ratio | 53.0996% | 3,871 |
| Assets per employee ($millions) | 14.8010% | 211 |
| Cash dividends to net income (ytd only)* | 65.7877% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5832% | 4,355 |
| Loan loss allowance to noncurrent loans | 123.8387% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 783 |
| Noncurrent loans to loans | 0.4709% | 1,524 |
| Net loans and leases to total assets | 81.8600% | 421 |
| Net loans and leases to deposits | 106.0052% | 244 |
| Net loans and leases to core deposits | 130.8212% | 217 |
| Total domestic deposits to total assets | 77.2300% | 4,150 |
| Equity capital to assets | 10.5777% | 1,417 |
| Core capital (leverage) ratio | 10.5568% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3699% | 1,825 |
| Memoranda: | ||
| Average total assets | $8,305,985,800 | 182 |
| Average earning assets | $7,733,850,400 | 177 |
| Average equity | $846,940,600 | 184 |
| Average total loans | $6,779,441,000 | 161 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 1,287 |
| Cost of funding earning assets | 0.5758% | 498 |
| Net interest margin | 3.4119% | 1,940 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.7476% | 4,079 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0698% | 2,210 |
| Return on assets (ROA) | 1.0510% | 2,249 |
| Pretax return on assets | 1.4499% | 1,558 |
| Return on Equity (ROE) | 10.4100% | 2,606 |
| Retained earnings to average equity (ytd only) | 3.2294% | 3,720 |
| Net charge-offs to loans | 0.0143% | 1,592 |
| Credit loss provision to net charge-offs | 670.8564% | 523 |
| Earnings coverage of net charge-offs (x) | 132.8439% | 796 |
| Efficiency ratio | 52.8041% | 3,941 |
| Assets per employee ($millions) | 14.9602% | 210 |
| Cash dividends to net income (ytd only)* | 68.9676% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 4,388 |
| Loan loss allowance to noncurrent loans | 128.2611% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 851 |
| Noncurrent loans to loans | 0.4625% | 1,643 |
| Net loans and leases to total assets | 80.8100% | 461 |
| Net loans and leases to deposits | 111.4343% | 111 |
| Net loans and leases to core deposits | 130.6076% | 144 |
| Total domestic deposits to total assets | 72.5200% | 4,500 |
| Equity capital to assets | 9.6442% | 1,800 |
| Core capital (leverage) ratio | 10.0302% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4385% | 2,295 |
| Memoranda: | ||
| Average total assets | $8,277,046,500 | 180 |
| Average earning assets | $7,710,093,250 | 177 |
| Average equity | $835,968,750 | 184 |
| Average total loans | $6,740,609,000 | 160 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 1,172 |
| Cost of funding earning assets | 0.3859% | 1,018 |
| Net interest margin | 3.4841% | 1,357 |
| Noninterest income to average assets | 0.1315% | 4,347 |
| Noninterest expense to average assets | 1.7780% | 4,010 |
| Loan and lease loss provision to assets | 0.0778% | 1,245 |
| Net operating income to assets | 1.1072% | 1,748 |
| Return on assets (ROA) | 1.0882% | 1,803 |
| Pretax return on assets | 1.5005% | 1,165 |
| Return on Equity (ROE) | 10.6078% | 2,133 |
| Retained earnings to average equity (ytd only) | 3.4610% | 3,286 |
| Net charge-offs to loans | 0.0130% | 1,525 |
| Credit loss provision to net charge-offs | 627.4194% | 550 |
| Earnings coverage of net charge-offs (x) | 151.0714% | 640 |
| Efficiency ratio | 52.3949% | 4,094 |
| Assets per employee ($millions) | 15.1583% | 195 |
| Cash dividends to net income (ytd only)* | 67.3733% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5832% | 4,480 |
| Loan loss allowance to noncurrent loans | 126.9899% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 886 |
| Noncurrent loans to loans | 0.4592% | 1,738 |
| Net loans and leases to total assets | 80.6157% | 363 |
| Net loans and leases to deposits | 104.6832% | 151 |
| Net loans and leases to core deposits | 129.2172% | 125 |
| Total domestic deposits to total assets | 77.0092% | 4,413 |
| Equity capital to assets | 10.0056% | 1,712 |
| Core capital (leverage) ratio | 10.2817% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6749% | 2,219 |
| Memoranda: | ||
| Average total assets | $8,183,651,667 | 180 |
| Average earning assets | $7,631,182,000 | 178 |
| Average equity | $839,534,000 | 184 |
| Average total loans | $6,668,587,333 | 159 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 1,039 |
| Cost of funding earning assets | 0.3455% | 1,244 |
| Net interest margin | 3.4826% | 1,123 |
| Noninterest income to average assets | 0.0910% | 4,542 |
| Noninterest expense to average assets | 1.8662% | 3,761 |
| Loan and lease loss provision to assets | 0.0858% | 970 |
| Net operating income to assets | 1.0286% | 1,766 |
| Return on assets (ROA) | 1.0060% | 1,850 |
| Pretax return on assets | 1.3605% | 1,355 |
| Return on Equity (ROE) | 9.6830% | 2,087 |
| Retained earnings to average equity (ytd only) | 2.5590% | 3,396 |
| Net charge-offs to loans | 0.0565% | 739 |
| Credit loss provision to net charge-offs | 131.8717% | 898 |
| Earnings coverage of net charge-offs (x) | 31.9701% | 1,104 |
| Efficiency ratio | 55.6465% | 3,912 |
| Assets per employee ($millions) | 15.1233% | 199 |
| Cash dividends to net income (ytd only)* | 73.5727% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5665% | 4,530 |
| Loan loss allowance to noncurrent loans | 218.5613% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,376 |
| Noncurrent loans to loans | 0.2592% | 2,547 |
| Net loans and leases to total assets | 80.4475% | 223 |
| Net loans and leases to deposits | 101.5921% | 148 |
| Net loans and leases to core deposits | 116.5046% | 170 |
| Total domestic deposits to total assets | 79.1867% | 4,340 |
| Equity capital to assets | 10.2927% | 1,690 |
| Core capital (leverage) ratio | 10.4463% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1340% | 2,143 |
| Memoranda: | ||
| Average total assets | $8,106,954,000 | 183 |
| Average earning assets | $7,565,714,000 | 180 |
| Average equity | $842,217,000 | 189 |
| Average total loans | $6,622,684,500 | 159 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 1,691 |
| Cost of funding earning assets | 0.4546% | 1,165 |
| Net interest margin | 3.4191% | 1,968 |
| Noninterest income to average assets | 0.1174% | 4,540 |
| Noninterest expense to average assets | 1.7741% | 4,184 |
| Loan and lease loss provision to assets | -0.0686% | 4,435 |
| Net operating income to assets | 1.2135% | 1,885 |
| Return on assets (ROA) | 1.2110% | 1,938 |
| Pretax return on assets | 1.6178% | 1,377 |
| Return on Equity (ROE) | 12.5277% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.8879% | 545 |
| Net charge-offs to loans | 0.0466% | 1,357 |
| Credit loss provision to net charge-offs | -157.0696% | 3,461 |
| Earnings coverage of net charge-offs (x) | 40.2363% | 1,438 |
| Efficiency ratio | 53.1079% | 4,019 |
| Assets per employee ($millions) | 15.1550% | 198 |
| Cash dividends to net income (ytd only)* | 5.1068% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 4,575 |
| Loan loss allowance to noncurrent loans | 243.7639% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,613 |
| Noncurrent loans to loans | 0.2295% | 2,810 |
| Net loans and leases to total assets | 82.0271% | 179 |
| Net loans and leases to deposits | 103.1314% | 140 |
| Net loans and leases to core deposits | 118.6719% | 174 |
| Total domestic deposits to total assets | 79.5365% | 4,262 |
| Equity capital to assets | 10.4863% | 2,190 |
| Core capital (leverage) ratio | 10.3879% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1348% | 2,192 |
| Memoranda: | ||
| Average total assets | $8,084,637,200 | 185 |
| Average earning assets | $7,587,957,600 | 179 |
| Average equity | $781,534,200 | 197 |
| Average total loans | $6,687,451,000 | 160 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 1,825 |
| Cost of funding earning assets | 0.4771% | 1,173 |
| Net interest margin | 3.4006% | 2,150 |
| Noninterest income to average assets | 0.0916% | 4,700 |
| Noninterest expense to average assets | 1.7329% | 4,278 |
| Loan and lease loss provision to assets | -0.1023% | 4,610 |
| Net operating income to assets | 1.2210% | 2,097 |
| Return on assets (ROA) | 1.2193% | 2,162 |
| Pretax return on assets | 1.6569% | 1,530 |
| Return on Equity (ROE) | 12.8842% | 1,730 |
| Retained earnings to average equity (ytd only) | 12.0139% | 834 |
| Net charge-offs to loans | 0.0626% | 1,013 |
| Credit loss provision to net charge-offs | -179.2249% | 3,356 |
| Earnings coverage of net charge-offs (x) | 30.0216% | 1,523 |
| Efficiency ratio | 52.4436% | 3,991 |
| Assets per employee ($millions) | 15.2131% | 202 |
| Cash dividends to net income (ytd only)* | 6.7552% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5484% | 4,674 |
| Loan loss allowance to noncurrent loans | 177.4411% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 2,506 |
| Noncurrent loans to loans | 0.3091% | 2,683 |
| Net loans and leases to total assets | 81.6275% | 207 |
| Net loans and leases to deposits | 101.4915% | 196 |
| Net loans and leases to core deposits | 116.4218% | 221 |
| Total domestic deposits to total assets | 80.4280% | 4,175 |
| Equity capital to assets | 9.9392% | 2,960 |
| Core capital (leverage) ratio | 9.9277% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4588% | 2,563 |
| Memoranda: | ||
| Average total assets | $8,093,971,250 | 183 |
| Average earning assets | $7,612,145,250 | 176 |
| Average equity | $765,951,250 | 199 |
| Average total loans | $6,699,787,500 | 161 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 1,878 |
| Cost of funding earning assets | 0.5036% | 1,178 |
| Net interest margin | 3.3732% | 2,225 |
| Noninterest income to average assets | 0.1443% | 4,476 |
| Noninterest expense to average assets | 1.7572% | 4,266 |
| Loan and lease loss provision to assets | 0.0241% | 2,484 |
| Net operating income to assets | 1.1349% | 2,417 |
| Return on assets (ROA) | 1.1334% | 2,488 |
| Pretax return on assets | 1.5327% | 1,919 |
| Return on Equity (ROE) | 12.1807% | 1,987 |
| Retained earnings to average equity (ytd only) | 12.1807% | 876 |
| Net charge-offs to loans | 0.1121% | 686 |
| Credit loss provision to net charge-offs | 34.0855% | 1,686 |
| Earnings coverage of net charge-offs (x) | 16.7560% | 1,594 |
| Efficiency ratio | 52.7603% | 3,953 |
| Assets per employee ($millions) | 15.5138% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6351% | 4,619 |
| Loan loss allowance to noncurrent loans | 212.3308% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 2,704 |
| Noncurrent loans to loans | 0.2991% | 2,860 |
| Net loans and leases to total assets | 81.8126% | 228 |
| Net loans and leases to deposits | 104.7789% | 172 |
| Net loans and leases to core deposits | 119.0687% | 225 |
| Total domestic deposits to total assets | 78.0812% | 4,424 |
| Equity capital to assets | 9.5629% | 3,277 |
| Core capital (leverage) ratio | 9.4902% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8773% | 2,755 |
| Memoranda: | ||
| Average total assets | $8,099,247,000 | 183 |
| Average earning assets | $7,614,980,000 | 177 |
| Average equity | $753,634,667 | 202 |
| Average total loans | $6,722,932,000 | 162 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 1,713 |
| Cost of funding earning assets | 0.5286% | 1,212 |
| Net interest margin | 3.4180% | 2,066 |
| Noninterest income to average assets | 0.2519% | 3,888 |
| Noninterest expense to average assets | 1.8853% | 4,020 |
| Loan and lease loss provision to assets | 0.1145% | 1,203 |
| Net operating income to assets | 1.0644% | 2,595 |
| Return on assets (ROA) | 1.0556% | 2,696 |
| Pretax return on assets | 1.4540% | 2,126 |
| Return on Equity (ROE) | 11.5060% | 2,187 |
| Retained earnings to average equity (ytd only) | 11.5060% | 1,269 |
| Net charge-offs to loans | 0.1704% | 472 |
| Credit loss provision to net charge-offs | 98.1152% | 1,148 |
| Earnings coverage of net charge-offs (x) | 11.1211% | 1,468 |
| Efficiency ratio | 54.1844% | 3,763 |
| Assets per employee ($millions) | 16.0316% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 4,614 |
| Loan loss allowance to noncurrent loans | 190.3474% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,688 |
| Noncurrent loans to loans | 0.3513% | 2,824 |
| Net loans and leases to total assets | 82.1095% | 222 |
| Net loans and leases to deposits | 104.3137% | 199 |
| Net loans and leases to core deposits | 119.6210% | 244 |
| Total domestic deposits to total assets | 78.7140% | 4,361 |
| Equity capital to assets | 9.2369% | 3,461 |
| Core capital (leverage) ratio | 9.3751% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6784% | 2,771 |
| Memoranda: | ||
| Average total assets | $8,068,731,500 | 183 |
| Average earning assets | $7,584,514,000 | 178 |
| Average equity | $740,272,500 | 204 |
| Average total loans | $6,724,995,000 | 162 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 2,905 |
| Cost of funding earning assets | 0.9285% | 770 |
| Net interest margin | 3.0097% | 3,860 |
| Noninterest income to average assets | 0.0689% | 4,830 |
| Noninterest expense to average assets | 1.8269% | 4,432 |
| Loan and lease loss provision to assets | 0.3171% | 1,171 |
| Net operating income to assets | 0.5785% | 3,819 |
| Return on assets (ROA) | 0.5737% | 3,942 |
| Pretax return on assets | 0.7490% | 3,766 |
| Return on Equity (ROE) | 6.1227% | 3,542 |
| Retained earnings to average equity (ytd only) | -5.4101% | 4,841 |
| Net charge-offs to loans | 0.0600% | 1,919 |
| Credit loss provision to net charge-offs | 620.0330% | 1,081 |
| Earnings coverage of net charge-offs (x) | 21.4891% | 1,894 |
| Efficiency ratio | 62.9686% | 2,984 |
| Assets per employee ($millions) | 15.3411% | 167 |
| Cash dividends to net income (ytd only)* | 188.3614% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 4,628 |
| Loan loss allowance to noncurrent loans | 187.9339% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 2,795 |
| Noncurrent loans to loans | 0.3583% | 2,914 |
| Net loans and leases to total assets | 83.4803% | 203 |
| Net loans and leases to deposits | 108.0479% | 192 |
| Net loans and leases to core deposits | 137.8797% | 136 |
| Total domestic deposits to total assets | 77.2623% | 4,385 |
| Equity capital to assets | 9.1108% | 3,962 |
| Core capital (leverage) ratio | 9.2666% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2998% | 2,843 |
| Memoranda: | ||
| Average total assets | $7,294,512,200 | 182 |
| Average earning assets | $6,859,084,400 | 180 |
| Average equity | $683,555,400 | 208 |
| Average total loans | $6,066,728,200 | 166 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,054 |
| Cost of funding earning assets | 1.0316% | 683 |
| Net interest margin | 2.9406% | 4,108 |
| Noninterest income to average assets | 0.0421% | 4,905 |
| Noninterest expense to average assets | 1.6483% | 4,679 |
| Loan and lease loss provision to assets | 0.3606% | 1,036 |
| Net operating income to assets | 0.6091% | 3,732 |
| Return on assets (ROA) | 0.6122% | 3,825 |
| Pretax return on assets | 0.8024% | 3,637 |
| Return on Equity (ROE) | 6.4823% | 3,376 |
| Retained earnings to average equity (ytd only) | 1.7258% | 4,021 |
| Net charge-offs to loans | 0.0676% | 1,646 |
| Credit loss provision to net charge-offs | 641.6973% | 1,129 |
| Earnings coverage of net charge-offs (x) | 20.6913% | 1,893 |
| Efficiency ratio | 58.7132% | 3,566 |
| Assets per employee ($millions) | 14.8747% | 168 |
| Cash dividends to net income (ytd only)* | 73.3765% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6454% | 4,671 |
| Loan loss allowance to noncurrent loans | 146.8405% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 2,672 |
| Noncurrent loans to loans | 0.4395% | 2,736 |
| Net loans and leases to total assets | 83.5476% | 319 |
| Net loans and leases to deposits | 118.4612% | 127 |
| Net loans and leases to core deposits | 145.8619% | 137 |
| Total domestic deposits to total assets | 70.5274% | 4,740 |
| Equity capital to assets | 9.6716% | 3,540 |
| Core capital (leverage) ratio | 9.9304% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5355% | 2,400 |
| Memoranda: | ||
| Average total assets | $7,123,800,250 | 187 |
| Average earning assets | $6,699,077,500 | 181 |
| Average equity | $672,743,750 | 209 |
| Average total loans | $5,907,241,750 | 166 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,365 |
| Cost of funding earning assets | 1.1626% | 585 |
| Net interest margin | 2.8231% | 4,412 |
| Noninterest income to average assets | 0.0002% | 5,010 |
| Noninterest expense to average assets | 1.6503% | 4,731 |
| Loan and lease loss provision to assets | 0.4703% | 803 |
| Net operating income to assets | 0.4161% | 4,204 |
| Return on assets (ROA) | 0.4207% | 4,248 |
| Pretax return on assets | 0.5418% | 4,176 |
| Return on Equity (ROE) | 4.4904% | 3,977 |
| Retained earnings to average equity (ytd only) | -0.2914% | 4,359 |
| Net charge-offs to loans | 0.0731% | 1,516 |
| Credit loss provision to net charge-offs | 776.2523% | 931 |
| Earnings coverage of net charge-offs (x) | 16.6693% | 1,851 |
| Efficiency ratio | 62.1220% | 3,109 |
| Assets per employee ($millions) | 15.1507% | 166 |
| Cash dividends to net income (ytd only)* | 106.4892% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 4,725 |
| Loan loss allowance to noncurrent loans | 162.0751% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 3,037 |
| Noncurrent loans to loans | 0.3786% | 3,058 |
| Net loans and leases to total assets | 82.9798% | 328 |
| Net loans and leases to deposits | 116.2431% | 125 |
| Net loans and leases to core deposits | 141.3637% | 154 |
| Total domestic deposits to total assets | 71.3847% | 4,740 |
| Equity capital to assets | 9.3293% | 3,800 |
| Core capital (leverage) ratio | 9.5619% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2510% | 2,499 |
| Memoranda: | ||
| Average total assets | $7,143,233,000 | 183 |
| Average earning assets | $6,721,238,333 | 179 |
| Average equity | $669,208,667 | 209 |
| Average total loans | $5,895,856,333 | 165 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,666 |
| Cost of funding earning assets | 1.4522% | 315 |
| Net interest margin | 2.5920% | 4,759 |
| Noninterest income to average assets | -0.1232% | 5,088 |
| Noninterest expense to average assets | 1.7278% | 4,744 |
| Loan and lease loss provision to assets | 0.4026% | 756 |
| Net operating income to assets | 0.1266% | 4,625 |
| Return on assets (ROA) | 0.1336% | 4,620 |
| Pretax return on assets | 0.1943% | 4,571 |
| Return on Equity (ROE) | 1.4231% | 4,565 |
| Retained earnings to average equity (ytd only) | -3.3564% | 4,390 |
| Net charge-offs to loans | 0.0785% | 1,238 |
| Credit loss provision to net charge-offs | 619.4082% | 777 |
| Earnings coverage of net charge-offs (x) | 9.1245% | 1,835 |
| Efficiency ratio | 74.6089% | 1,734 |
| Assets per employee ($millions) | 15.5157% | 120 |
| Cash dividends to net income (ytd only)* | 335.8522% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 4,893 |
| Loan loss allowance to noncurrent loans | 146.1763% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,386 |
| Noncurrent loans to loans | 0.3240% | 3,331 |
| Net loans and leases to total assets | 81.4812% | 507 |
| Net loans and leases to deposits | 120.0512% | 78 |
| Net loans and leases to core deposits | 131.7598% | 244 |
| Total domestic deposits to total assets | 67.8720% | 4,928 |
| Equity capital to assets | 9.0317% | 4,586 |
| Core capital (leverage) ratio | 9.5101% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9751% | 2,711 |
| Memoranda: | ||
| Average total assets | $7,131,711,000 | 182 |
| Average earning assets | $6,710,935,500 | 177 |
| Average equity | $669,532,000 | 210 |
| Average total loans | $5,852,147,000 | 166 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 3,476 |
| Cost of funding earning assets | 1.6834% | 206 |
| Net interest margin | 2.6394% | 4,877 |
| Noninterest income to average assets | 0.0917% | 4,950 |
| Noninterest expense to average assets | 1.6082% | 4,946 |
| Loan and lease loss provision to assets | 0.0404% | 3,204 |
| Net operating income to assets | 0.7164% | 3,816 |
| Return on assets (ROA) | 0.7202% | 3,865 |
| Pretax return on assets | 0.9391% | 3,634 |
| Return on Equity (ROE) | 7.4584% | 3,384 |
| Retained earnings to average equity (ytd only) | 2.6937% | 3,693 |
| Net charge-offs to loans | 0.0354% | 2,680 |
| Credit loss provision to net charge-offs | 140.1995% | 1,847 |
| Earnings coverage of net charge-offs (x) | 33.8115% | 1,464 |
| Efficiency ratio | 62.2631% | 3,335 |
| Assets per employee ($millions) | 15.1241% | 119 |
| Cash dividends to net income (ytd only)* | 63.8837% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3768% | 4,998 |
| Loan loss allowance to noncurrent loans | 137.0833% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,527 |
| Noncurrent loans to loans | 0.2749% | 3,465 |
| Net loans and leases to total assets | 81.9434% | 566 |
| Net loans and leases to deposits | 113.2141% | 135 |
| Net loans and leases to core deposits | 132.3850% | 249 |
| Total domestic deposits to total assets | 72.3792% | 4,854 |
| Equity capital to assets | 9.7561% | 4,148 |
| Core capital (leverage) ratio | 9.6538% | 3,898 |
| Tier 1 risk-based capital ratio | 13.0165% | 3,783 |
| Total risk-based capital ratio | 13.4324% | 4,145 |
| Memoranda: | ||
| Average total assets | $6,955,157,400 | 177 |
| Average earning assets | $6,564,592,800 | 169 |
| Average equity | $671,606,400 | 202 |
| Average total loans | $5,663,322,400 | 164 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 3,592 |
| Cost of funding earning assets | 1.6903% | 207 |
| Net interest margin | 2.6310% | 4,982 |
| Noninterest income to average assets | 0.0513% | 5,110 |
| Noninterest expense to average assets | 1.6090% | 4,996 |
| Loan and lease loss provision to assets | 0.0601% | 2,692 |
| Net operating income to assets | 0.6629% | 4,126 |
| Return on assets (ROA) | 0.6627% | 4,183 |
| Pretax return on assets | 0.8659% | 3,964 |
| Return on Equity (ROE) | 6.8807% | 3,730 |
| Retained earnings to average equity (ytd only) | 2.0929% | 4,239 |
| Net charge-offs to loans | 0.0482% | 2,148 |
| Credit loss provision to net charge-offs | 153.4576% | 1,603 |
| Earnings coverage of net charge-offs (x) | 23.6449% | 1,827 |
| Efficiency ratio | 63.4636% | 3,094 |
| Assets per employee ($millions) | 15.4584% | 113 |
| Cash dividends to net income (ytd only)* | 69.5834% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3822% | 5,074 |
| Loan loss allowance to noncurrent loans | 123.6740% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 3,554 |
| Noncurrent loans to loans | 0.3090% | 3,421 |
| Net loans and leases to total assets | 80.7739% | 736 |
| Net loans and leases to deposits | 115.1747% | 130 |
| Net loans and leases to core deposits | 138.2762% | 206 |
| Total domestic deposits to total assets | 70.1316% | 4,991 |
| Equity capital to assets | 9.4763% | 4,476 |
| Core capital (leverage) ratio | 9.6592% | 4,014 |
| Tier 1 risk-based capital ratio | 12.7887% | 3,962 |
| Total risk-based capital ratio | 13.2074% | 4,323 |
| Memoranda: | ||
| Average total assets | $6,939,548,250 | 177 |
| Average earning assets | $6,551,617,500 | 171 |
| Average equity | $668,347,250 | 206 |
| Average total loans | $5,636,101,500 | 165 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 3,454 |
| Cost of funding earning assets | 1.6680% | 213 |
| Net interest margin | 2.6926% | 5,009 |
| Noninterest income to average assets | 0.0645% | 5,124 |
| Noninterest expense to average assets | 1.6988% | 4,981 |
| Loan and lease loss provision to assets | 0.0711% | 2,395 |
| Net operating income to assets | 0.6266% | 4,229 |
| Return on assets (ROA) | 0.6262% | 4,277 |
| Pretax return on assets | 0.8380% | 4,000 |
| Return on Equity (ROE) | 6.4665% | 3,887 |
| Retained earnings to average equity (ytd only) | 1.6654% | 4,222 |
| Net charge-offs to loans | 0.0673% | 1,695 |
| Credit loss provision to net charge-offs | 130.0372% | 1,662 |
| Earnings coverage of net charge-offs (x) | 16.6396% | 1,925 |
| Efficiency ratio | 65.1296% | 2,959 |
| Assets per employee ($millions) | 14.9371% | 110 |
| Cash dividends to net income (ytd only)* | 74.2459% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3815% | 5,120 |
| Loan loss allowance to noncurrent loans | 120.2012% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 3,524 |
| Noncurrent loans to loans | 0.3174% | 3,397 |
| Net loans and leases to total assets | 80.8683% | 749 |
| Net loans and leases to deposits | 114.8995% | 128 |
| Net loans and leases to core deposits | 131.8503% | 287 |
| Total domestic deposits to total assets | 70.3817% | 5,035 |
| Equity capital to assets | 9.6652% | 4,258 |
| Core capital (leverage) ratio | 9.6895% | 3,943 |
| Tier 1 risk-based capital ratio | 12.6614% | 4,036 |
| Total risk-based capital ratio | 13.0691% | 4,407 |
| Memoranda: | ||
| Average total assets | $6,882,440,670 | 179 |
| Average earning assets | $6,502,210,330 | 174 |
| Average equity | $666,513,000 | 209 |
| Average total loans | $5,592,881,000 | 166 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 3,305 |
| Cost of funding earning assets | 1.6229% | 208 |
| Net interest margin | 2.7560% | 5,020 |
| Noninterest income to average assets | 0.0401% | 5,239 |
| Noninterest expense to average assets | 1.8606% | 4,850 |
| Loan and lease loss provision to assets | 0.0568% | 2,529 |
| Net operating income to assets | 0.5425% | 4,399 |
| Return on assets (ROA) | 0.5425% | 4,426 |
| Pretax return on assets | 0.7332% | 4,215 |
| Return on Equity (ROE) | 5.5961% | 4,156 |
| Retained earnings to average equity (ytd only) | 0.7776% | 4,368 |
| Net charge-offs to loans | 0.0648% | 1,398 |
| Credit loss provision to net charge-offs | 107.7605% | 1,512 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,764 |
| Efficiency ratio | 70.1963% | 2,307 |
| Assets per employee ($millions) | 14.9298% | 108 |
| Cash dividends to net income (ytd only)* | 86.1048% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3760% | 5,194 |
| Loan loss allowance to noncurrent loans | 115.1255% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 3,557 |
| Noncurrent loans to loans | 0.3266% | 3,396 |
| Net loans and leases to total assets | 81.0714% | 702 |
| Net loans and leases to deposits | 109.3877% | 232 |
| Net loans and leases to core deposits | 123.8267% | 429 |
| Total domestic deposits to total assets | 74.1138% | 4,925 |
| Equity capital to assets | 9.7147% | 4,079 |
| Core capital (leverage) ratio | 9.6374% | 3,983 |
| Tier 1 risk-based capital ratio | 13.0801% | 3,837 |
| Total risk-based capital ratio | 13.4944% | 4,195 |
| Memoranda: | ||
| Average total assets | $6,850,789,000 | 181 |
| Average earning assets | $6,489,046,000 | 174 |
| Average equity | $664,108,000 | 212 |
| Average total loans | $5,570,115,000 | 168 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 3,301 |
| Cost of funding earning assets | 1.3495% | 179 |
| Net interest margin | 2.8946% | 4,927 |
| Noninterest income to average assets | 0.1726% | 4,865 |
| Noninterest expense to average assets | 1.6801% | 5,116 |
| Loan and lease loss provision to assets | 0.0088% | 3,948 |
| Net operating income to assets | 0.9980% | 3,018 |
| Return on assets (ROA) | 0.9739% | 3,126 |
| Pretax return on assets | 1.1930% | 2,908 |
| Return on Equity (ROE) | 9.8200% | 2,592 |
| Retained earnings to average equity (ytd only) | 4.5660% | 3,013 |
| Net charge-offs to loans | -0.0004% | 4,154 |
| Credit loss provision to net charge-offs | -3,026.3158% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7082% | 4,191 |
| Assets per employee ($millions) | 14.6023% | 106 |
| Cash dividends to net income (ytd only)* | 53.5037% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3773% | 5,232 |
| Loan loss allowance to noncurrent loans | 103.7960% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,394 |
| Noncurrent loans to loans | 0.3635% | 3,234 |
| Net loans and leases to total assets | 80.9281% | 813 |
| Net loans and leases to deposits | 111.4167% | 218 |
| Net loans and leases to core deposits | 128.7409% | 343 |
| Total domestic deposits to total assets | 72.6355% | 5,034 |
| Equity capital to assets | 9.6730% | 3,978 |
| Core capital (leverage) ratio | 9.8474% | 3,748 |
| Tier 1 risk-based capital ratio | 13.2816% | 3,673 |
| Total risk-based capital ratio | 13.7026% | 4,040 |
| Memoranda: | ||
| Average total assets | $6,525,197,400 | 183 |
| Average earning assets | $6,174,038,000 | 178 |
| Average equity | $647,115,000 | 206 |
| Average total loans | $5,351,043,200 | 168 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,208 |
| Cost of funding earning assets | 1.2725% | 178 |
| Net interest margin | 2.9566% | 4,910 |
| Noninterest income to average assets | 0.2088% | 4,711 |
| Noninterest expense to average assets | 1.7427% | 5,093 |
| Loan and lease loss provision to assets | 0.0032% | 3,904 |
| Net operating income to assets | 1.0078% | 3,050 |
| Return on assets (ROA) | 1.0078% | 3,064 |
| Pretax return on assets | 1.2579% | 2,781 |
| Return on Equity (ROE) | 10.0966% | 2,577 |
| Retained earnings to average equity (ytd only) | 5.1249% | 3,172 |
| Net charge-offs to loans | 0.0049% | 3,265 |
| Credit loss provision to net charge-offs | 78.4615% | 2,541 |
| Earnings coverage of net charge-offs (x) | 312.7478% | 301 |
| Efficiency ratio | 58.0175% | 4,119 |
| Assets per employee ($millions) | 14.2484% | 114 |
| Cash dividends to net income (ytd only)* | 49.2409% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3775% | 5,308 |
| Loan loss allowance to noncurrent loans | 112.7651% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,583 |
| Noncurrent loans to loans | 0.3348% | 3,465 |
| Net loans and leases to total assets | 81.9533% | 724 |
| Net loans and leases to deposits | 113.6211% | 193 |
| Net loans and leases to core deposits | 132.7953% | 288 |
| Total domestic deposits to total assets | 72.1286% | 5,122 |
| Equity capital to assets | 10.0230% | 3,623 |
| Core capital (leverage) ratio | 10.1219% | 3,500 |
| Tier 1 risk-based capital ratio | 13.4603% | 3,647 |
| Total risk-based capital ratio | 13.8771% | 4,031 |
| Memoranda: | ||
| Average total assets | $6,448,024,250 | 185 |
| Average earning assets | $6,095,229,000 | 179 |
| Average equity | $643,632,750 | 202 |
| Average total loans | $5,300,933,000 | 168 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 3,195 |
| Cost of funding earning assets | 1.1806% | 196 |
| Net interest margin | 2.9931% | 4,885 |
| Noninterest income to average assets | 0.1854% | 4,900 |
| Noninterest expense to average assets | 1.7923% | 5,106 |
| Loan and lease loss provision to assets | 0.0048% | 3,730 |
| Net operating income to assets | 0.9247% | 3,346 |
| Return on assets (ROA) | 0.9247% | 3,345 |
| Pretax return on assets | 1.2176% | 2,879 |
| Return on Equity (ROE) | 9.2769% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.2744% | 3,469 |
| Net charge-offs to loans | 0.0108% | 2,761 |
| Credit loss provision to net charge-offs | 53.8732% | 2,470 |
| Earnings coverage of net charge-offs (x) | 138.1021% | 554 |
| Efficiency ratio | 59.4527% | 4,018 |
| Assets per employee ($millions) | 13.8211% | 124 |
| Cash dividends to net income (ytd only)* | 53.9247% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3791% | 5,376 |
| Loan loss allowance to noncurrent loans | 99.7484% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,512 |
| Noncurrent loans to loans | 0.3800% | 3,334 |
| Net loans and leases to total assets | 82.1484% | 693 |
| Net loans and leases to deposits | 115.1397% | 174 |
| Net loans and leases to core deposits | 133.5476% | 269 |
| Total domestic deposits to total assets | 71.3467% | 5,220 |
| Equity capital to assets | 9.9870% | 3,638 |
| Core capital (leverage) ratio | 9.9000% | 3,680 |
| Tier 1 risk-based capital ratio | 13.3697% | 3,694 |
| Total risk-based capital ratio | 13.7889% | 4,056 |
| Memoranda: | ||
| Average total assets | $6,417,364,000 | 184 |
| Average earning assets | $6,066,034,670 | 176 |
| Average equity | $639,675,330 | 200 |
| Average total loans | $5,274,556,670 | 167 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,232 |
| Cost of funding earning assets | 1.1057% | 223 |
| Net interest margin | 2.9958% | 4,888 |
| Noninterest income to average assets | 0.2161% | 4,714 |
| Noninterest expense to average assets | 1.9232% | 4,986 |
| Loan and lease loss provision to assets | 0.0096% | 3,393 |
| Net operating income to assets | 0.8650% | 3,432 |
| Return on assets (ROA) | 0.8650% | 3,447 |
| Pretax return on assets | 1.1177% | 3,107 |
| Return on Equity (ROE) | 8.6860% | 3,070 |
| Retained earnings to average equity (ytd only) | 3.6586% | 3,735 |
| Net charge-offs to loans | -0.0029% | 3,867 |
| Credit loss provision to net charge-offs | -402.6316% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0472% | 3,626 |
| Assets per employee ($millions) | 14.3763% | 114 |
| Cash dividends to net income (ytd only)* | 57.8787% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3866% | 5,439 |
| Loan loss allowance to noncurrent loans | 91.9023% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,424 |
| Noncurrent loans to loans | 0.4207% | 3,274 |
| Net loans and leases to total assets | 81.6248% | 706 |
| Net loans and leases to deposits | 112.3232% | 202 |
| Net loans and leases to core deposits | 158.7132% | 92 |
| Total domestic deposits to total assets | 72.6696% | 5,239 |
| Equity capital to assets | 9.8552% | 3,746 |
| Core capital (leverage) ratio | 9.9175% | 3,618 |
| Tier 1 risk-based capital ratio | 13.3857% | 3,726 |
| Total risk-based capital ratio | 13.8173% | 4,102 |
| Memoranda: | ||
| Average total assets | $6,391,905,000 | 185 |
| Average earning assets | $6,047,343,500 | 178 |
| Average equity | $636,519,500 | 202 |
| Average total loans | $5,244,931,500 | 165 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,203 |
| Cost of funding earning assets | 0.9504% | 288 |
| Net interest margin | 3.1090% | 4,673 |
| Noninterest income to average assets | 0.1239% | 5,325 |
| Noninterest expense to average assets | 1.6903% | 5,343 |
| Loan and lease loss provision to assets | 0.1583% | 1,421 |
| Net operating income to assets | 0.7050% | 3,579 |
| Return on assets (ROA) | 0.7031% | 3,645 |
| Pretax return on assets | 1.2156% | 2,708 |
| Return on Equity (ROE) | 6.9820% | 3,288 |
| Retained earnings to average equity (ytd only) | 3.5553% | 3,145 |
| Net charge-offs to loans | 0.2335% | 1,109 |
| Credit loss provision to net charge-offs | 84.0020% | 2,883 |
| Earnings coverage of net charge-offs (x) | 7.3083% | 3,057 |
| Efficiency ratio | 55.1093% | 4,852 |
| Assets per employee ($millions) | 13.8160% | 118 |
| Cash dividends to net income (ytd only)* | 49.0789% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3931% | 5,494 |
| Loan loss allowance to noncurrent loans | 84.6160% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 3,337 |
| Noncurrent loans to loans | 0.4646% | 3,117 |
| Net loans and leases to total assets | 81.8504% | 697 |
| Net loans and leases to deposits | 117.3930% | 136 |
| Net loans and leases to core deposits | 167.9081% | 69 |
| Total domestic deposits to total assets | 69.7234% | 5,416 |
| Equity capital to assets | 10.0642% | 3,628 |
| Core capital (leverage) ratio | 10.1056% | 3,312 |
| Tier 1 risk-based capital ratio | 13.8656% | 3,437 |
| Total risk-based capital ratio | 14.3126% | 3,776 |
| Memoranda: | ||
| Average total assets | $6,230,883,000 | 183 |
| Average earning assets | $5,898,834,200 | 177 |
| Average equity | $627,430,200 | 194 |
| Average total loans | $5,026,780,800 | 165 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,219 |
| Cost of funding earning assets | 0.9250% | 303 |
| Net interest margin | 3.1134% | 4,677 |
| Noninterest income to average assets | 0.1197% | 5,400 |
| Noninterest expense to average assets | 1.7139% | 5,355 |
| Loan and lease loss provision to assets | 0.0701% | 2,678 |
| Net operating income to assets | 0.8451% | 3,290 |
| Return on assets (ROA) | 0.8425% | 3,358 |
| Pretax return on assets | 1.2793% | 2,586 |
| Return on Equity (ROE) | 8.3653% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.8498% | 2,987 |
| Net charge-offs to loans | 0.0060% | 3,517 |
| Credit loss provision to net charge-offs | 1,445.1327% | 261 |
| Earnings coverage of net charge-offs (x) | 279.0669% | 326 |
| Efficiency ratio | 55.8781% | 4,761 |
| Assets per employee ($millions) | 13.4454% | 124 |
| Cash dividends to net income (ytd only)* | 42.0254% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4984% | 5,473 |
| Loan loss allowance to noncurrent loans | 139.2385% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 3,903 |
| Noncurrent loans to loans | 0.3579% | 3,669 |
| Net loans and leases to total assets | 80.5215% | 912 |
| Net loans and leases to deposits | 113.0841% | 200 |
| Net loans and leases to core deposits | 166.4457% | 78 |
| Total domestic deposits to total assets | 71.2050% | 5,431 |
| Equity capital to assets | 10.1641% | 3,739 |
| Core capital (leverage) ratio | 10.1042% | 3,439 |
| Tier 1 risk-based capital ratio | 14.0369% | 3,426 |
| Total risk-based capital ratio | 14.6002% | 3,705 |
| Memoranda: | ||
| Average total assets | $6,213,581,750 | 183 |
| Average earning assets | $5,882,600,500 | 176 |
| Average equity | $625,773,750 | 196 |
| Average total loans | $4,989,226,250 | 166 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 3,163 |
| Cost of funding earning assets | 0.8822% | 345 |
| Net interest margin | 3.1317% | 4,599 |
| Noninterest income to average assets | 0.1335% | 5,384 |
| Noninterest expense to average assets | 1.7591% | 5,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8907% | 2,960 |
| Return on assets (ROA) | 0.8907% | 3,016 |
| Pretax return on assets | 1.3414% | 2,242 |
| Return on Equity (ROE) | 8.8717% | 2,566 |
| Retained earnings to average equity (ytd only) | 5.4960% | 2,410 |
| Net charge-offs to loans | 0.0029% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 577.1806% | 144 |
| Efficiency ratio | 56.7367% | 4,739 |
| Assets per employee ($millions) | 13.3536% | 124 |
| Cash dividends to net income (ytd only)* | 38.0504% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4365% | 5,580 |
| Loan loss allowance to noncurrent loans | 116.4503% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,918 |
| Noncurrent loans to loans | 0.3748% | 3,685 |
| Net loans and leases to total assets | 80.3568% | 894 |
| Net loans and leases to deposits | 118.3618% | 113 |
| Net loans and leases to core deposits | 168.4496% | 73 |
| Total domestic deposits to total assets | 67.8908% | 5,596 |
| Equity capital to assets | 10.0366% | 3,871 |
| Core capital (leverage) ratio | 10.0369% | 3,493 |
| Tier 1 risk-based capital ratio | 13.5828% | 3,652 |
| Total risk-based capital ratio | 14.0651% | 4,023 |
| Memoranda: | ||
| Average total assets | $6,196,262,330 | 184 |
| Average earning assets | $5,870,202,000 | 177 |
| Average equity | $622,087,000 | 198 |
| Average total loans | $4,962,176,330 | 169 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 2,999 |
| Cost of funding earning assets | 0.8618% | 352 |
| Net interest margin | 3.1485% | 4,509 |
| Noninterest income to average assets | 0.1925% | 5,119 |
| Noninterest expense to average assets | 1.8916% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8801% | 2,860 |
| Return on assets (ROA) | 0.8801% | 2,911 |
| Pretax return on assets | 1.2829% | 2,290 |
| Return on Equity (ROE) | 8.7643% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.8494% | 2,410 |
| Net charge-offs to loans | 0.0015% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,095.7778% | 40 |
| Efficiency ratio | 59.5869% | 4,516 |
| Assets per employee ($millions) | 13.4979% | 120 |
| Cash dividends to net income (ytd only)* | 33.2594% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4465% | 5,648 |
| Loan loss allowance to noncurrent loans | 118.4397% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 3,994 |
| Noncurrent loans to loans | 0.3770% | 3,743 |
| Net loans and leases to total assets | 79.4155% | 915 |
| Net loans and leases to deposits | 111.8788% | 176 |
| Net loans and leases to core deposits | 161.7767% | 79 |
| Total domestic deposits to total assets | 70.9835% | 5,596 |
| Equity capital to assets | 9.9844% | 3,775 |
| Core capital (leverage) ratio | 9.9829% | 3,518 |
| Tier 1 risk-based capital ratio | 13.8051% | 3,601 |
| Total risk-based capital ratio | 14.3028% | 3,952 |
| Memoranda: | ||
| Average total assets | $6,149,615,000 | 185 |
| Average earning assets | $5,824,635,500 | 178 |
| Average equity | $617,503,000 | 195 |
| Average total loans | $4,905,142,000 | 170 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,144 |
| Cost of funding earning assets | 0.9367% | 242 |
| Net interest margin | 3.0769% | 4,784 |
| Noninterest income to average assets | 0.9063% | 1,395 |
| Noninterest expense to average assets | 1.9314% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1520% | 1,688 |
| Return on assets (ROA) | 1.1685% | 1,709 |
| Pretax return on assets | 1.9169% | 598 |
| Return on Equity (ROE) | 12.7597% | 1,054 |
| Retained earnings to average equity (ytd only) | 8.3323% | 752 |
| Net charge-offs to loans | -0.0150% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5257% | 5,462 |
| Assets per employee ($millions) | 13.2096% | 124 |
| Cash dividends to net income (ytd only)* | 34.6986% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4597% | 5,693 |
| Loan loss allowance to noncurrent loans | 102.5796% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,815 |
| Noncurrent loans to loans | 0.4481% | 3,543 |
| Net loans and leases to total assets | 79.3883% | 982 |
| Net loans and leases to deposits | 114.0941% | 156 |
| Net loans and leases to core deposits | 165.1908% | 71 |
| Total domestic deposits to total assets | 69.5815% | 5,679 |
| Equity capital to assets | 10.0999% | 3,605 |
| Core capital (leverage) ratio | 10.1224% | 3,339 |
| Tier 1 risk-based capital ratio | 14.1199% | 3,400 |
| Total risk-based capital ratio | 14.6370% | 3,740 |
| Memoranda: | ||
| Average total assets | $5,919,207,600 | 183 |
| Average earning assets | $5,610,306,200 | 177 |
| Average equity | $542,073,200 | 205 |
| Average total loans | $4,623,953,800 | 173 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 3,173 |
| Cost of funding earning assets | 0.9416% | 233 |
| Net interest margin | 3.0724% | 4,853 |
| Noninterest income to average assets | 0.7473% | 1,977 |
| Noninterest expense to average assets | 1.8030% | 5,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1224% | 1,905 |
| Return on assets (ROA) | 1.1566% | 1,880 |
| Pretax return on assets | 1.9113% | 691 |
| Return on Equity (ROE) | 12.9739% | 1,067 |
| Retained earnings to average equity (ytd only) | 8.3982% | 1,020 |
| Net charge-offs to loans | -0.0076% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2518% | 5,544 |
| Assets per employee ($millions) | 13.3485% | 118 |
| Cash dividends to net income (ytd only)* | 35.2685% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4597% | 5,760 |
| Loan loss allowance to noncurrent loans | 90.4883% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 3,627 |
| Noncurrent loans to loans | 0.5080% | 3,474 |
| Net loans and leases to total assets | 78.5688% | 1,106 |
| Net loans and leases to deposits | 116.6161% | 149 |
| Net loans and leases to core deposits | 166.2297% | 69 |
| Total domestic deposits to total assets | 67.3740% | 5,783 |
| Equity capital to assets | 9.0250% | 5,152 |
| Core capital (leverage) ratio | 8.8839% | 4,962 |
| Tier 1 risk-based capital ratio | 12.4428% | 4,511 |
| Total risk-based capital ratio | 12.9562% | 4,875 |
| Memoranda: | ||
| Average total assets | $5,883,212,000 | 185 |
| Average earning assets | $5,578,704,500 | 177 |
| Average equity | $524,498,000 | 211 |
| Average total loans | $4,571,019,000 | 171 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,153 |
| Cost of funding earning assets | 0.9350% | 243 |
| Net interest margin | 3.0923% | 4,855 |
| Noninterest income to average assets | 1.1198% | 894 |
| Noninterest expense to average assets | 1.8683% | 5,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3136% | 1,239 |
| Return on assets (ROA) | 1.3654% | 1,198 |
| Pretax return on assets | 2.2638% | 333 |
| Return on Equity (ROE) | 15.3807% | 626 |
| Retained earnings to average equity (ytd only) | 10.7530% | 470 |
| Net charge-offs to loans | -0.0294% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1171% | 5,749 |
| Assets per employee ($millions) | 13.2035% | 119 |
| Cash dividends to net income (ytd only)* | 30.0873% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4727% | 5,827 |
| Loan loss allowance to noncurrent loans | 98.6139% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 3,764 |
| Noncurrent loans to loans | 0.4793% | 3,649 |
| Net loans and leases to total assets | 77.9742% | 1,213 |
| Net loans and leases to deposits | 118.4826% | 113 |
| Net loans and leases to core deposits | 159.3366% | 90 |
| Total domestic deposits to total assets | 65.8107% | 5,891 |
| Equity capital to assets | 9.0043% | 5,235 |
| Core capital (leverage) ratio | 8.8938% | 4,945 |
| Tier 1 risk-based capital ratio | 12.1988% | 4,700 |
| Total risk-based capital ratio | 12.7166% | 5,065 |
| Memoranda: | ||
| Average total assets | $5,842,012,330 | 185 |
| Average earning assets | $5,538,125,330 | 178 |
| Average equity | $518,625,670 | 213 |
| Average total loans | $4,514,266,330 | 173 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 2,991 |
| Cost of funding earning assets | 0.9501% | 224 |
| Net interest margin | 3.1131% | 4,826 |
| Noninterest income to average assets | 0.0017% | 6,064 |
| Noninterest expense to average assets | 1.9239% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6487% | 3,980 |
| Return on assets (ROA) | 0.6487% | 4,102 |
| Pretax return on assets | 1.0268% | 3,380 |
| Return on Equity (ROE) | 7.3621% | 3,259 |
| Retained earnings to average equity (ytd only) | 2.6383% | 4,192 |
| Net charge-offs to loans | -0.0414% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2011% | 3,942 |
| Assets per employee ($millions) | 13.2587% | 116 |
| Cash dividends to net income (ytd only)* | 64.1643% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4933% | 5,869 |
| Loan loss allowance to noncurrent loans | 86.9185% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 3,545 |
| Noncurrent loans to loans | 0.5675% | 3,489 |
| Net loans and leases to total assets | 76.2218% | 1,361 |
| Net loans and leases to deposits | 108.9205% | 249 |
| Net loans and leases to core deposits | 147.2744% | 119 |
| Total domestic deposits to total assets | 69.9792% | 5,867 |
| Equity capital to assets | 8.8192% | 5,325 |
| Core capital (leverage) ratio | 8.6507% | 5,234 |
| Tier 1 risk-based capital ratio | 12.5084% | 4,573 |
| Total risk-based capital ratio | 13.0604% | 4,941 |
| Memoranda: | ||
| Average total assets | $5,765,823,000 | 186 |
| Average earning assets | $5,461,960,000 | 179 |
| Average equity | $508,062,000 | 216 |
| Average total loans | $4,423,260,000 | 173 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 2,990 |
| Cost of funding earning assets | 0.9591% | 213 |
| Net interest margin | 3.1230% | 4,849 |
| Noninterest income to average assets | 0.1843% | 5,492 |
| Noninterest expense to average assets | 1.7507% | 5,801 |
| Loan and lease loss provision to assets | -0.0177% | 5,657 |
| Net operating income to assets | 0.8866% | 2,946 |
| Return on assets (ROA) | 0.8886% | 3,015 |
| Pretax return on assets | 1.4054% | 1,881 |
| Return on Equity (ROE) | 9.6893% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.4282% | 2,832 |
| Net charge-offs to loans | 0.0638% | 2,950 |
| Credit loss provision to net charge-offs | -36.6987% | 5,029 |
| Earnings coverage of net charge-offs (x) | 28.6430% | 1,500 |
| Efficiency ratio | 55.8387% | 5,358 |
| Assets per employee ($millions) | 13.1289% | 114 |
| Cash dividends to net income (ytd only)* | 54.2979% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4908% | 5,927 |
| Loan loss allowance to noncurrent loans | 82.5792% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 3,475 |
| Noncurrent loans to loans | 0.5943% | 3,386 |
| Net loans and leases to total assets | 76.4558% | 1,336 |
| Net loans and leases to deposits | 112.0339% | 197 |
| Net loans and leases to core deposits | 158.2442% | 82 |
| Total domestic deposits to total assets | 68.2435% | 5,964 |
| Equity capital to assets | 8.8039% | 5,304 |
| Core capital (leverage) ratio | 8.8917% | 5,013 |
| Tier 1 risk-based capital ratio | 12.6213% | 4,561 |
| Total risk-based capital ratio | 13.1707% | 4,906 |
| Memoranda: | ||
| Average total assets | $5,388,986,400 | 185 |
| Average earning assets | $5,092,182,400 | 180 |
| Average equity | $494,192,400 | 209 |
| Average total loans | $4,085,759,400 | 176 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 2,952 |
| Cost of funding earning assets | 0.9577% | 215 |
| Net interest margin | 3.1397% | 4,844 |
| Noninterest income to average assets | 0.2222% | 5,324 |
| Noninterest expense to average assets | 1.7808% | 5,801 |
| Loan and lease loss provision to assets | -0.0407% | 5,895 |
| Net operating income to assets | 0.8921% | 2,996 |
| Return on assets (ROA) | 0.8947% | 3,076 |
| Pretax return on assets | 1.4529% | 1,819 |
| Return on Equity (ROE) | 9.6532% | 2,240 |
| Retained earnings to average equity (ytd only) | 4.2337% | 3,452 |
| Net charge-offs to loans | 0.0167% | 3,616 |
| Credit loss provision to net charge-offs | -322.0676% | 5,279 |
| Earnings coverage of net charge-offs (x) | 111.4493% | 572 |
| Efficiency ratio | 55.8458% | 5,373 |
| Assets per employee ($millions) | 12.8400% | 125 |
| Cash dividends to net income (ytd only)* | 56.1419% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5469% | 5,973 |
| Loan loss allowance to noncurrent loans | 80.3280% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 3,447 |
| Noncurrent loans to loans | 0.6808% | 3,280 |
| Net loans and leases to total assets | 75.8476% | 1,409 |
| Net loans and leases to deposits | 111.9925% | 210 |
| Net loans and leases to core deposits | 158.1484% | 79 |
| Total domestic deposits to total assets | 67.7257% | 6,047 |
| Equity capital to assets | 9.1186% | 5,198 |
| Core capital (leverage) ratio | 9.0205% | 4,968 |
| Tier 1 risk-based capital ratio | 12.8621% | 4,517 |
| Total risk-based capital ratio | 13.4672% | 4,852 |
| Memoranda: | ||
| Average total assets | $5,308,466,500 | 188 |
| Average earning assets | $5,015,879,250 | 182 |
| Average equity | $492,041,000 | 214 |
| Average total loans | $4,010,204,500 | 178 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 2,891 |
| Cost of funding earning assets | 0.9562% | 212 |
| Net interest margin | 3.1455% | 4,841 |
| Noninterest income to average assets | 0.3583% | 4,383 |
| Noninterest expense to average assets | 1.8351% | 5,806 |
| Loan and lease loss provision to assets | -0.0477% | 6,025 |
| Net operating income to assets | 0.9437% | 2,668 |
| Return on assets (ROA) | 0.9453% | 2,778 |
| Pretax return on assets | 1.5435% | 1,511 |
| Return on Equity (ROE) | 10.1407% | 2,004 |
| Retained earnings to average equity (ytd only) | 4.4103% | 3,206 |
| Net charge-offs to loans | 0.0386% | 2,909 |
| Credit loss provision to net charge-offs | -164.0420% | 4,993 |
| Earnings coverage of net charge-offs (x) | 51.3661% | 943 |
| Efficiency ratio | 55.1331% | 5,501 |
| Assets per employee ($millions) | 12.3071% | 138 |
| Cash dividends to net income (ytd only)* | 56.5086% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5726% | 6,014 |
| Loan loss allowance to noncurrent loans | 80.8292% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 3,581 |
| Noncurrent loans to loans | 0.7084% | 3,364 |
| Net loans and leases to total assets | 74.7007% | 1,549 |
| Net loans and leases to deposits | 108.2799% | 296 |
| Net loans and leases to core deposits | 153.5817% | 93 |
| Total domestic deposits to total assets | 68.9885% | 6,076 |
| Equity capital to assets | 9.1932% | 5,030 |
| Core capital (leverage) ratio | 9.1296% | 4,776 |
| Tier 1 risk-based capital ratio | 13.0745% | 4,476 |
| Total risk-based capital ratio | 13.6989% | 4,754 |
| Memoranda: | ||
| Average total assets | $5,241,828,670 | 191 |
| Average earning assets | $4,949,748,330 | 184 |
| Average equity | $488,625,330 | 215 |
| Average total loans | $3,946,623,000 | 181 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,707 |
| Cost of funding earning assets | 0.9654% | 210 |
| Net interest margin | 3.1646% | 4,737 |
| Noninterest income to average assets | 0.0299% | 6,274 |
| Noninterest expense to average assets | 1.9681% | 5,633 |
| Loan and lease loss provision to assets | -0.0567% | 6,171 |
| Net operating income to assets | 0.6772% | 3,912 |
| Return on assets (ROA) | 0.6772% | 4,033 |
| Pretax return on assets | 1.1036% | 3,057 |
| Return on Equity (ROE) | 7.2138% | 3,393 |
| Retained earnings to average equity (ytd only) | 1.4559% | 4,900 |
| Net charge-offs to loans | 0.0278% | 2,624 |
| Credit loss provision to net charge-offs | -270.8487% | 4,679 |
| Earnings coverage of net charge-offs (x) | 50.0258% | 838 |
| Efficiency ratio | 65.2767% | 4,270 |
| Assets per employee ($millions) | 12.7771% | 123 |
| Cash dividends to net income (ytd only)* | 79.8176% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 6,062 |
| Loan loss allowance to noncurrent loans | 74.0828% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 3,351 |
| Noncurrent loans to loans | 0.8134% | 3,214 |
| Net loans and leases to total assets | 75.3081% | 1,307 |
| Net loans and leases to deposits | 109.8878% | 223 |
| Net loans and leases to core deposits | 146.1850% | 116 |
| Total domestic deposits to total assets | 68.5318% | 6,183 |
| Equity capital to assets | 9.2777% | 4,997 |
| Core capital (leverage) ratio | 9.2769% | 4,615 |
| Tier 1 risk-based capital ratio | 13.0553% | 4,573 |
| Total risk-based capital ratio | 13.7184% | 4,840 |
| Memoranda: | ||
| Average total assets | $5,179,799,000 | 190 |
| Average earning assets | $4,886,067,500 | 182 |
| Average equity | $486,288,500 | 215 |
| Average total loans | $3,904,213,500 | 180 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 2,367 |
| Cost of funding earning assets | 1.0650% | 170 |
| Net interest margin | 3.2971% | 4,574 |
| Noninterest income to average assets | 0.0411% | 6,311 |
| Noninterest expense to average assets | 1.8271% | 6,035 |
| Loan and lease loss provision to assets | -0.1235% | 6,186 |
| Net operating income to assets | 0.8666% | 3,038 |
| Return on assets (ROA) | 0.9043% | 2,937 |
| Pretax return on assets | 1.5039% | 1,526 |
| Return on Equity (ROE) | 9.4104% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.1430% | 2,503 |
| Net charge-offs to loans | 0.0184% | 4,486 |
| Credit loss provision to net charge-offs | -913.6571% | 5,887 |
| Earnings coverage of net charge-offs (x) | 97.7982% | 535 |
| Efficiency ratio | 58.0295% | 5,455 |
| Assets per employee ($millions) | 12.2179% | 134 |
| Cash dividends to net income (ytd only)* | 45.3474% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 6,063 |
| Loan loss allowance to noncurrent loans | 73.3994% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 3,215 |
| Noncurrent loans to loans | 0.8973% | 3,072 |
| Net loans and leases to total assets | 74.4743% | 1,501 |
| Net loans and leases to deposits | 107.6713% | 307 |
| Net loans and leases to core deposits | 142.4594% | 146 |
| Total domestic deposits to total assets | 69.1682% | 6,230 |
| Equity capital to assets | 9.5028% | 4,717 |
| Core capital (leverage) ratio | 9.6278% | 4,059 |
| Tier 1 risk-based capital ratio | 13.8657% | 4,197 |
| Total risk-based capital ratio | 14.6025% | 4,439 |
| Memoranda: | ||
| Average total assets | $4,876,954,800 | 187 |
| Average earning assets | $4,596,567,800 | 179 |
| Average equity | $468,673,200 | 210 |
| Average total loans | $3,584,791,200 | 181 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4062% | 2,196 |
| Cost of funding earning assets | 1.0870% | 158 |
| Net interest margin | 3.3192% | 4,539 |
| Noninterest income to average assets | 0.0640% | 6,347 |
| Noninterest expense to average assets | 1.8760% | 5,990 |
| Loan and lease loss provision to assets | -0.0782% | 6,242 |
| Net operating income to assets | 0.8310% | 3,284 |
| Return on assets (ROA) | 0.9232% | 2,902 |
| Pretax return on assets | 1.5403% | 1,510 |
| Return on Equity (ROE) | 9.5786% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.2785% | 2,898 |
| Net charge-offs to loans | 0.0228% | 4,062 |
| Credit loss provision to net charge-offs | -469.1542% | 5,732 |
| Earnings coverage of net charge-offs (x) | 79.1094% | 710 |
| Efficiency ratio | 58.7348% | 5,347 |
| Assets per employee ($millions) | 12.0579% | 136 |
| Cash dividends to net income (ytd only)* | 44.8927% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7772% | 5,929 |
| Loan loss allowance to noncurrent loans | 79.4706% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 3,299 |
| Noncurrent loans to loans | 0.9780% | 3,113 |
| Net loans and leases to total assets | 73.9134% | 1,542 |
| Net loans and leases to deposits | 107.2835% | 282 |
| Net loans and leases to core deposits | 142.6982% | 140 |
| Total domestic deposits to total assets | 68.8954% | 6,318 |
| Equity capital to assets | 9.7167% | 4,538 |
| Core capital (leverage) ratio | 9.6186% | 4,209 |
| Tier 1 risk-based capital ratio | 14.3730% | 3,966 |
| Total risk-based capital ratio | 15.2463% | 4,159 |
| Memoranda: | ||
| Average total assets | $4,825,528,250 | 189 |
| Average earning assets | $4,550,670,500 | 179 |
| Average equity | $465,092,500 | 210 |
| Average total loans | $3,528,395,750 | 180 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 2,044 |
| Cost of funding earning assets | 1.1140% | 139 |
| Net interest margin | 3.3243% | 4,487 |
| Noninterest income to average assets | 0.0565% | 6,428 |
| Noninterest expense to average assets | 1.7418% | 6,221 |
| Loan and lease loss provision to assets | -0.0921% | 6,363 |
| Net operating income to assets | 0.9136% | 2,739 |
| Return on assets (ROA) | 0.9136% | 2,837 |
| Pretax return on assets | 1.5408% | 1,423 |
| Return on Equity (ROE) | 9.5051% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.1720% | 2,847 |
| Net charge-offs to loans | 0.0189% | 3,840 |
| Credit loss provision to net charge-offs | -670.0000% | 5,646 |
| Earnings coverage of net charge-offs (x) | 105.4091% | 539 |
| Efficiency ratio | 54.5935% | 5,861 |
| Assets per employee ($millions) | 11.7048% | 143 |
| Cash dividends to net income (ytd only)* | 45.5872% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 5,911 |
| Loan loss allowance to noncurrent loans | 63.3121% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 3,109 |
| Noncurrent loans to loans | 1.3072% | 2,627 |
| Net loans and leases to total assets | 72.1214% | 1,725 |
| Net loans and leases to deposits | 107.5413% | 262 |
| Net loans and leases to core deposits | 133.6868% | 189 |
| Total domestic deposits to total assets | 67.0638% | 6,454 |
| Equity capital to assets | 9.7640% | 4,413 |
| Core capital (leverage) ratio | 9.5442% | 4,259 |
| Tier 1 risk-based capital ratio | 14.1256% | 4,176 |
| Total risk-based capital ratio | 15.0234% | 4,355 |
| Memoranda: | ||
| Average total assets | $4,802,199,670 | 189 |
| Average earning assets | $4,527,337,670 | 178 |
| Average equity | $461,563,330 | 210 |
| Average total loans | $3,488,933,000 | 181 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 1,961 |
| Cost of funding earning assets | 1.1205% | 145 |
| Net interest margin | 3.3301% | 4,423 |
| Noninterest income to average assets | 0.0462% | 6,493 |
| Noninterest expense to average assets | 1.8089% | 6,212 |
| Loan and lease loss provision to assets | -0.0937% | 6,488 |
| Net operating income to assets | 0.8501% | 2,896 |
| Return on assets (ROA) | 0.8501% | 2,969 |
| Pretax return on assets | 1.4681% | 1,526 |
| Return on Equity (ROE) | 8.9165% | 2,500 |
| Retained earnings to average equity (ytd only) | 4.5228% | 3,405 |
| Net charge-offs to loans | 0.0446% | 2,758 |
| Credit loss provision to net charge-offs | -289.1473% | 5,037 |
| Earnings coverage of net charge-offs (x) | 42.3902% | 846 |
| Efficiency ratio | 56.8255% | 5,771 |
| Assets per employee ($millions) | 12.6945% | 124 |
| Cash dividends to net income (ytd only)* | 49.2756% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 5,963 |
| Loan loss allowance to noncurrent loans | 61.8576% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 3,155 |
| Noncurrent loans to loans | 1.3983% | 2,687 |
| Net loans and leases to total assets | 71.9207% | 1,589 |
| Net loans and leases to deposits | 102.9443% | 333 |
| Net loans and leases to core deposits | 123.9059% | 257 |
| Total domestic deposits to total assets | 69.8638% | 6,453 |
| Equity capital to assets | 9.5529% | 4,425 |
| Core capital (leverage) ratio | 9.5624% | 4,189 |
| Tier 1 risk-based capital ratio | 14.3073% | 4,123 |
| Total risk-based capital ratio | 15.2631% | 4,265 |
| Memoranda: | ||
| Average total assets | $4,774,544,500 | 188 |
| Average earning assets | $4,497,717,500 | 180 |
| Average equity | $455,201,500 | 213 |
| Average total loans | $3,467,131,000 | 180 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,022 |
| Cost of funding earning assets | 1.2124% | 165 |
| Net interest margin | 3.3410% | 4,516 |
| Noninterest income to average assets | 0.1860% | 5,979 |
| Noninterest expense to average assets | 1.6584% | 6,478 |
| Loan and lease loss provision to assets | 0.2932% | 1,157 |
| Net operating income to assets | 0.8506% | 3,030 |
| Return on assets (ROA) | 0.8720% | 3,003 |
| Pretax return on assets | 1.4150% | 1,734 |
| Return on Equity (ROE) | 8.9910% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.6528% | 2,854 |
| Net charge-offs to loans | 0.4001% | 1,686 |
| Credit loss provision to net charge-offs | 105.0667% | 2,300 |
| Earnings coverage of net charge-offs (x) | 6.0026% | 3,155 |
| Efficiency ratio | 49.4591% | 6,421 |
| Assets per employee ($millions) | 12.7363% | 123 |
| Cash dividends to net income (ytd only)* | 48.2509% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 5,840 |
| Loan loss allowance to noncurrent loans | 64.3891% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1472% | 3,104 |
| Noncurrent loans to loans | 1.4368% | 2,736 |
| Net loans and leases to total assets | 72.0147% | 1,676 |
| Net loans and leases to deposits | 104.7587% | 299 |
| Net loans and leases to core deposits | 126.1675% | 236 |
| Total domestic deposits to total assets | 68.7434% | 6,565 |
| Equity capital to assets | 9.5146% | 4,412 |
| Core capital (leverage) ratio | 9.4771% | 4,303 |
| Tier 1 risk-based capital ratio | 14.5905% | 3,909 |
| Total risk-based capital ratio | 15.6270% | 3,974 |
| Memoranda: | ||
| Average total assets | $4,753,523,200 | 183 |
| Average earning assets | $4,477,837,200 | 174 |
| Average equity | $461,017,200 | 207 |
| Average total loans | $3,315,039,200 | 178 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,109 |
| Cost of funding earning assets | 1.2293% | 172 |
| Net interest margin | 3.3038% | 4,621 |
| Noninterest income to average assets | 0.1736% | 6,149 |
| Noninterest expense to average assets | 1.6873% | 6,482 |
| Loan and lease loss provision to assets | 0.3623% | 877 |
| Net operating income to assets | 0.7493% | 3,601 |
| Return on assets (ROA) | 0.7768% | 3,605 |
| Pretax return on assets | 1.2809% | 2,408 |
| Return on Equity (ROE) | 7.9723% | 3,136 |
| Retained earnings to average equity (ytd only) | 3.6609% | 4,094 |
| Net charge-offs to loans | 0.5367% | 1,188 |
| Credit loss provision to net charge-offs | 97.8220% | 2,441 |
| Earnings coverage of net charge-offs (x) | 4.3208% | 3,470 |
| Efficiency ratio | 51.0266% | 6,330 |
| Assets per employee ($millions) | 12.6670% | 130 |
| Cash dividends to net income (ytd only)* | 54.0794% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 6,043 |
| Loan loss allowance to noncurrent loans | 47.3386% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.5289% | 2,637 |
| Noncurrent loans to loans | 1.9137% | 2,345 |
| Net loans and leases to total assets | 71.1520% | 1,755 |
| Net loans and leases to deposits | 103.6102% | 314 |
| Net loans and leases to core deposits | 131.8357% | 171 |
| Total domestic deposits to total assets | 68.6728% | 6,644 |
| Equity capital to assets | 9.3712% | 4,716 |
| Core capital (leverage) ratio | 9.4801% | 4,439 |
| Tier 1 risk-based capital ratio | 14.2174% | 4,275 |
| Total risk-based capital ratio | 15.2167% | 4,406 |
| Memoranda: | ||
| Average total assets | $4,760,608,250 | 181 |
| Average earning assets | $4,487,018,250 | 173 |
| Average equity | $463,876,500 | 206 |
| Average total loans | $3,285,148,250 | 178 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 2,013 |
| Cost of funding earning assets | 1.2748% | 159 |
| Net interest margin | 3.2813% | 4,650 |
| Noninterest income to average assets | 0.1954% | 6,039 |
| Noninterest expense to average assets | 1.7439% | 6,456 |
| Loan and lease loss provision to assets | 0.3985% | 780 |
| Net operating income to assets | 0.6913% | 3,850 |
| Return on assets (ROA) | 0.7546% | 3,694 |
| Pretax return on assets | 1.2461% | 2,496 |
| Return on Equity (ROE) | 7.6469% | 3,263 |
| Retained earnings to average equity (ytd only) | 3.3963% | 4,156 |
| Net charge-offs to loans | 0.5082% | 1,294 |
| Credit loss provision to net charge-offs | 115.1655% | 1,921 |
| Earnings coverage of net charge-offs (x) | 4.4675% | 3,121 |
| Efficiency ratio | 52.7145% | 6,242 |
| Assets per employee ($millions) | 12.1175% | 134 |
| Cash dividends to net income (ytd only)* | 55.5864% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 5,885 |
| Loan loss allowance to noncurrent loans | 41.3150% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 2,342 |
| Noncurrent loans to loans | 2.3815% | 1,978 |
| Net loans and leases to total assets | 70.7127% | 1,765 |
| Net loans and leases to deposits | 105.5897% | 232 |
| Net loans and leases to core deposits | 133.0278% | 166 |
| Total domestic deposits to total assets | 66.9693% | 6,740 |
| Equity capital to assets | 9.5619% | 4,498 |
| Core capital (leverage) ratio | 9.6182% | 4,051 |
| Tier 1 risk-based capital ratio | 14.3576% | 4,190 |
| Total risk-based capital ratio | 15.4290% | 4,263 |
| Memoranda: | ||
| Average total assets | $4,768,320,000 | 181 |
| Average earning assets | $4,496,540,000 | 172 |
| Average equity | $470,515,670 | 203 |
| Average total loans | $3,246,323,330 | 178 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 2,327 |
| Cost of funding earning assets | 1.3801% | 110 |
| Net interest margin | 3.0765% | 5,344 |
| Noninterest income to average assets | 0.1784% | 6,197 |
| Noninterest expense to average assets | 1.8199% | 6,415 |
| Loan and lease loss provision to assets | 0.4948% | 546 |
| Net operating income to assets | 0.4585% | 4,875 |
| Return on assets (ROA) | 0.6094% | 4,332 |
| Pretax return on assets | 1.0050% | 3,326 |
| Return on Equity (ROE) | 6.0862% | 3,994 |
| Retained earnings to average equity (ytd only) | 1.9678% | 5,017 |
| Net charge-offs to loans | 0.7537% | 807 |
| Credit loss provision to net charge-offs | 98.7329% | 1,890 |
| Earnings coverage of net charge-offs (x) | 2.5221% | 3,012 |
| Efficiency ratio | 58.6993% | 5,754 |
| Assets per employee ($millions) | 12.0387% | 144 |
| Cash dividends to net income (ytd only)* | 67.6682% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 6,083 |
| Loan loss allowance to noncurrent loans | 33.8971% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 2.1777% | 2,149 |
| Noncurrent loans to loans | 2.8505% | 1,775 |
| Net loans and leases to total assets | 71.0095% | 1,519 |
| Net loans and leases to deposits | 101.7146% | 288 |
| Net loans and leases to core deposits | 125.5773% | 210 |
| Total domestic deposits to total assets | 69.8125% | 6,765 |
| Equity capital to assets | 10.0435% | 4,094 |
| Core capital (leverage) ratio | 9.7837% | 3,681 |
| Tier 1 risk-based capital ratio | 14.3284% | 4,275 |
| Total risk-based capital ratio | 15.3675% | 4,372 |
| Memoranda: | ||
| Average total assets | $4,850,148,500 | 184 |
| Average earning assets | $4,580,623,000 | 172 |
| Average equity | $485,626,500 | 199 |
| Average total loans | $3,225,267,500 | 180 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8406% | 6,841 |
| Cost of funding earning assets | 0.5794% | 4,543 |
| Net interest margin | 2.2611% | 6,855 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.2581% | 7,065 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1267% | 1,849 |
| Return on assets (ROA) | 1.1267% | 2,018 |
| Pretax return on assets | 2.0006% | 600 |
| Return on Equity (ROE) | 11.5680% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.5680% | 368 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.4252% | 7,067 |
| Assets per employee ($millions) | 256.4967% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 90.5751% | 672 |
| Equity capital to assets | 9.1328% | 5,359 |
| Core capital (leverage) ratio | 9.6559% | 3,879 |
| Tier 1 risk-based capital ratio | 58.9567% | 99 |
| Total risk-based capital ratio | 58.9567% | 101 |
| Memoranda: | ||
| Average total assets | $682,786,000 | 958 |
| Average earning assets | $682,050,600 | 885 |
| Average equity | $66,502,600 | 1,063 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8819% | 6,940 |
| Cost of funding earning assets | 0.6037% | 4,607 |
| Net interest margin | 2.2782% | 6,950 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.2600% | 7,174 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1352% | 1,969 |
| Return on assets (ROA) | 1.1352% | 2,162 |
| Pretax return on assets | 2.0155% | 683 |
| Return on Equity (ROE) | 11.4479% | 1,803 |
| Retained earnings to average equity (ytd only) | 11.4479% | 622 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.4243% | 7,166 |
| Assets per employee ($millions) | 214.3353% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 89.0720% | 1,388 |
| Equity capital to assets | 10.6178% | 3,710 |
| Core capital (leverage) ratio | 10.4193% | 3,011 |
| Tier 1 risk-based capital ratio | 74.2282% | 69 |
| Total risk-based capital ratio | 74.2282% | 69 |
| Memoranda: | ||
| Average total assets | $661,110,000 | 998 |
| Average earning assets | $660,332,500 | 919 |
| Average equity | $65,559,250 | 1,084 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9655% | 6,987 |
| Cost of funding earning assets | 0.6345% | 4,582 |
| Net interest margin | 2.3310% | 6,993 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.2635% | 7,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1629% | 1,843 |
| Return on assets (ROA) | 1.1629% | 2,041 |
| Pretax return on assets | 2.0646% | 616 |
| Return on Equity (ROE) | 11.9991% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.9991% | 585 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.3186% | 7,227 |
| Assets per employee ($millions) | 214.0670% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 89.2991% | 1,333 |
| Equity capital to assets | 10.3645% | 3,854 |
| Core capital (leverage) ratio | 9.2414% | 4,535 |
| Tier 1 risk-based capital ratio | 73.7112% | 65 |
| Total risk-based capital ratio | 73.7112% | 69 |
| Memoranda: | ||
| Average total assets | $667,144,670 | 989 |
| Average earning assets | $666,319,330 | 914 |
| Average equity | $64,654,670 | 1,091 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8624% | 7,091 |
| Cost of funding earning assets | 0.6288% | 4,901 |
| Net interest margin | 2.2335% | 7,084 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.2596% | 7,299 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1077% | 2,055 |
| Return on assets (ROA) | 1.1077% | 2,239 |
| Pretax return on assets | 1.9711% | 776 |
| Return on Equity (ROE) | 11.8176% | 1,730 |
| Retained earnings to average equity (ytd only) | 11.8176% | 850 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.6359% | 7,291 |
| Assets per employee ($millions) | 234.4807% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 90.4986% | 808 |
| Equity capital to assets | 9.1865% | 5,252 |
| Core capital (leverage) ratio | 9.1875% | 4,539 |
| Tier 1 risk-based capital ratio | 63.9365% | 83 |
| Total risk-based capital ratio | 63.9365% | 87 |
| Memoranda: | ||
| Average total assets | $679,616,500 | 970 |
| Average earning assets | $678,741,000 | 896 |
| Average equity | $63,701,500 | 1,107 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8106% | 7,222 |
| Cost of funding earning assets | 0.7462% | 5,237 |
| Net interest margin | 2.0645% | 7,208 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.2847% | 7,344 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9989% | 2,201 |
| Return on assets (ROA) | 0.9989% | 2,347 |
| Pretax return on assets | 1.7759% | 848 |
| Return on Equity (ROE) | 10.3679% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.3679% | 497 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.8180% | 7,343 |
| Assets per employee ($millions) | 655.7910% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 90.1182% | 930 |
| Equity capital to assets | 9.5733% | 4,778 |
| Core capital (leverage) ratio | 9.9090% | 3,443 |
| Tier 1 risk-based capital ratio | 63.3877% | 83 |
| Total risk-based capital ratio | 63.3877% | 85 |
| Memoranda: | ||
| Average total assets | $619,509,200 | 1,050 |
| Average earning assets | $618,367,400 | 954 |
| Average equity | $59,684,200 | 1,131 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8619% | 7,291 |
| Cost of funding earning assets | 0.7959% | 5,179 |
| Net interest margin | 2.0659% | 7,290 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.2966% | 7,421 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9916% | 2,361 |
| Return on assets (ROA) | 0.9916% | 2,506 |
| Pretax return on assets | 1.7652% | 1,019 |
| Return on Equity (ROE) | 10.2753% | 2,107 |
| Retained earnings to average equity (ytd only) | 10.2753% | 769 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.3856% | 7,414 |
| Assets per employee ($millions) | 621.7510% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 89.6875% | 1,048 |
| Equity capital to assets | 9.8346% | 4,576 |
| Core capital (leverage) ratio | 9.7196% | 3,816 |
| Tier 1 risk-based capital ratio | 66.1714% | 91 |
| Total risk-based capital ratio | 66.1714% | 93 |
| Memoranda: | ||
| Average total assets | $610,438,750 | 1,076 |
| Average earning assets | $609,240,500 | 972 |
| Average equity | $58,910,000 | 1,147 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 7,365 |
| Cost of funding earning assets | 0.8375% | 5,142 |
| Net interest margin | 2.0588% | 7,355 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.3059% | 7,498 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9814% | 2,304 |
| Return on assets (ROA) | 0.9814% | 2,405 |
| Pretax return on assets | 1.7486% | 963 |
| Return on Equity (ROE) | 10.2365% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.2365% | 797 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.8909% | 7,488 |
| Assets per employee ($millions) | 567.4890% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 89.1543% | 1,444 |
| Equity capital to assets | 10.5114% | 3,488 |
| Core capital (leverage) ratio | 9.6890% | 3,675 |
| Tier 1 risk-based capital ratio | 74.9089% | 73 |
| Total risk-based capital ratio | 74.9089% | 74 |
| Memoranda: | ||
| Average total assets | $606,668,000 | 1,093 |
| Average earning assets | $605,391,000 | 983 |
| Average equity | $58,164,330 | 1,150 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 7,408 |
| Cost of funding earning assets | 0.8520% | 5,257 |
| Net interest margin | 2.0849% | 7,392 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.3277% | 7,559 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9843% | 2,230 |
| Return on assets (ROA) | 0.9843% | 2,287 |
| Pretax return on assets | 1.7526% | 892 |
| Return on Equity (ROE) | 10.7347% | 1,821 |
| Retained earnings to average equity (ytd only) | 10.7347% | 947 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.7507% | 7,545 |
| Assets per employee ($millions) | 623.3870% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 90.3513% | 933 |
| Equity capital to assets | 9.3294% | 4,678 |
| Core capital (leverage) ratio | 8.6927% | 5,092 |
| Tier 1 risk-based capital ratio | 64.3448% | 89 |
| Total risk-based capital ratio | 64.3448% | 93 |
| Memoranda: | ||
| Average total assets | $626,257,500 | 1,063 |
| Average earning assets | $624,875,500 | 970 |
| Average equity | $57,421,000 | 1,152 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8851% | 7,509 |
| Cost of funding earning assets | 1.1094% | 5,090 |
| Net interest margin | 1.7757% | 7,505 |
| Noninterest income to average assets | 0.0004% | 7,280 |
| Noninterest expense to average assets | 0.3458% | 7,625 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7985% | 2,809 |
| Return on assets (ROA) | 0.7985% | 2,942 |
| Pretax return on assets | 1.4241% | 1,582 |
| Return on Equity (ROE) | 8.2647% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.2647% | 898 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.5384% | 7,624 |
| Assets per employee ($millions) | 314.5640% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 90.6801% | 759 |
| Equity capital to assets | 9.0099% | 5,129 |
| Core capital (leverage) ratio | 8.8907% | 4,715 |
| Tier 1 risk-based capital ratio | 62.6539% | 98 |
| Total risk-based capital ratio | 62.6539% | 100 |
| Memoranda: | ||
| Average total assets | $521,372,600 | 1,281 |
| Average earning assets | $519,571,200 | 1,183 |
| Average equity | $50,371,000 | 1,324 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8527% | 7,642 |
| Cost of funding earning assets | 1.1802% | 4,979 |
| Net interest margin | 1.6726% | 7,645 |
| Noninterest income to average assets | 0.0005% | 7,434 |
| Noninterest expense to average assets | 0.3681% | 7,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7232% | 3,307 |
| Return on assets (ROA) | 0.7232% | 3,459 |
| Pretax return on assets | 1.2987% | 2,173 |
| Return on Equity (ROE) | 7.3288% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.3288% | 1,684 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.0838% | 7,718 |
| Assets per employee ($millions) | 295.5645% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 90.3579% | 695 |
| Equity capital to assets | 9.3403% | 5,064 |
| Core capital (leverage) ratio | 9.1631% | 4,438 |
| Tier 1 risk-based capital ratio | 63.5043% | 95 |
| Total risk-based capital ratio | 63.5043% | 100 |
| Memoranda: | ||
| Average total assets | $494,433,750 | 1,375 |
| Average earning assets | $492,568,250 | 1,258 |
| Average equity | $48,792,750 | 1,378 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7752% | 7,729 |
| Cost of funding earning assets | 1.2698% | 4,716 |
| Net interest margin | 1.5054% | 7,742 |
| Noninterest income to average assets | 0.0009% | 7,522 |
| Noninterest expense to average assets | 0.3782% | 7,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6248% | 3,757 |
| Return on assets (ROA) | 0.6248% | 3,895 |
| Pretax return on assets | 1.1216% | 2,705 |
| Return on Equity (ROE) | 6.1904% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.1904% | 2,232 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.2164% | 7,774 |
| Assets per employee ($millions) | 260.8260% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 89.3301% | 1,270 |
| Equity capital to assets | 10.3809% | 3,544 |
| Core capital (leverage) ratio | 10.8120% | 2,390 |
| Tier 1 risk-based capital ratio | 72.6894% | 80 |
| Total risk-based capital ratio | 72.6894% | 81 |
| Memoranda: | ||
| Average total assets | $462,202,000 | 1,476 |
| Average earning assets | $460,216,670 | 1,349 |
| Average equity | $46,652,670 | 1,441 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8964% | 7,824 |
| Cost of funding earning assets | 1.3702% | 4,356 |
| Net interest margin | 1.5262% | 7,827 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.4097% | 7,914 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6178% | 3,818 |
| Return on assets (ROA) | 0.6178% | 3,955 |
| Pretax return on assets | 1.1099% | 2,701 |
| Return on Equity (ROE) | 6.2280% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.2280% | 2,510 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.9629% | 7,870 |
| Assets per employee ($millions) | 230.9815% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 90.3624% | 795 |
| Equity capital to assets | 9.3562% | 4,751 |
| Core capital (leverage) ratio | 9.0801% | 4,416 |
| Tier 1 risk-based capital ratio | 71.3633% | 78 |
| Total risk-based capital ratio | 71.3633% | 80 |
| Memoranda: | ||
| Average total assets | $432,477,000 | 1,614 |
| Average earning assets | $430,600,000 | 1,482 |
| Average equity | $42,903,000 | 1,557 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6225% | 7,905 |
| Cost of funding earning assets | 1.5237% | 5,411 |
| Net interest margin | 1.0988% | 7,915 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 0.4087% | 7,991 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3924% | 4,156 |
| Return on assets (ROA) | 0.3924% | 4,254 |
| Pretax return on assets | 0.6864% | 3,619 |
| Return on Equity (ROE) | 4.2683% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.2683% | 2,237 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3174% | 7,891 |
| Assets per employee ($millions) | 201.4955% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 89.1467% | 1,414 |
| Equity capital to assets | 10.5670% | 3,112 |
| Core capital (leverage) ratio | 11.2099% | 2,095 |
| Tier 1 risk-based capital ratio | 87.6763% | 65 |
| Total risk-based capital ratio | 87.6763% | 66 |
| Memoranda: | ||
| Average total assets | $343,809,600 | 1,983 |
| Average earning assets | $342,649,800 | 1,825 |
| Average equity | $31,605,200 | 2,118 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6658% | 8,003 |
| Cost of funding earning assets | 1.6322% | 5,243 |
| Net interest margin | 1.0336% | 8,017 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.4506% | 8,076 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3364% | 4,652 |
| Return on assets (ROA) | 0.3364% | 4,750 |
| Pretax return on assets | 0.5799% | 4,255 |
| Return on Equity (ROE) | 3.8344% | 4,446 |
| Retained earnings to average equity (ytd only) | 3.8344% | 3,148 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7279% | 7,845 |
| Assets per employee ($millions) | 180.0015% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 87.9943% | 1,657 |
| Equity capital to assets | 11.6693% | 2,456 |
| Core capital (leverage) ratio | 11.7833% | 1,917 |
| Tier 1 risk-based capital ratio | 110.3406% | 55 |
| Total risk-based capital ratio | 110.3406% | 55 |
| Memoranda: | ||
| Average total assets | $329,014,250 | 2,076 |
| Average earning assets | $328,048,750 | 1,908 |
| Average equity | $28,860,500 | 2,330 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6886% | 8,096 |
| Cost of funding earning assets | 1.8096% | 4,712 |
| Net interest margin | 0.8790% | 8,113 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.5039% | 8,171 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2278% | 5,165 |
| Return on assets (ROA) | 0.2278% | 5,254 |
| Pretax return on assets | 0.3722% | 5,013 |
| Return on Equity (ROE) | 2.9660% | 4,913 |
| Retained earnings to average equity (ytd only) | 2.9660% | 3,671 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5215% | 6,941 |
| Assets per employee ($millions) | 158.2940% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 89.0684% | 1,233 |
| Equity capital to assets | 9.9246% | 4,054 |
| Core capital (leverage) ratio | 8.7642% | 4,985 |
| Tier 1 risk-based capital ratio | 135.9848% | 54 |
| Total risk-based capital ratio | 135.9848% | 54 |
| Memoranda: | ||
| Average total assets | $318,684,670 | 2,151 |
| Average earning assets | $317,640,670 | 2,003 |
| Average equity | $24,477,330 | 2,696 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5618% | 8,165 |
| Cost of funding earning assets | 1.9804% | 4,237 |
| Net interest margin | 0.5814% | 8,196 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.3616% | 8,224 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1451% | 5,836 |
| Return on assets (ROA) | 0.1451% | 6,006 |
| Pretax return on assets | 0.2177% | 5,894 |
| Return on Equity (ROE) | 2.2089% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.2089% | 4,643 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4190% | 5,977 |
| Assets per employee ($millions) | 170.1905% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 84.7953% | 3,303 |
| Equity capital to assets | 6.2192% | 7,951 |
| Core capital (leverage) ratio | 6.2936% | 7,948 |
| Tier 1 risk-based capital ratio | 63.3300% | 133 |
| Total risk-based capital ratio | 63.3300% | 134 |
| Memoranda: | ||
| Average total assets | $319,733,000 | 2,166 |
| Average earning assets | $318,520,500 | 2,002 |
| Average equity | $21,006,000 | 3,120 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 8,143 |
| Cost of funding earning assets | 2.0755% | 6,150 |
| Net interest margin | 1.3904% | 8,193 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.7754% | 8,236 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4151% | 5,096 |
| Return on assets (ROA) | 0.4151% | 4,908 |
| Pretax return on assets | 0.6053% | 4,675 |
| Return on Equity (ROE) | 2.3656% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.3656% | 3,728 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1587% | 6,983 |
| Assets per employee ($millions) | 149.5425% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 70.8180% | 7,187 |
| Equity capital to assets | 6.9689% | 7,752 |
| Core capital (leverage) ratio | 10.4073% | 3,064 |
| Tier 1 risk-based capital ratio | 64.8652% | 138 |
| Total risk-based capital ratio | 64.8652% | 140 |
| Memoranda: | ||
| Average total assets | $104,076,000 | 4,929 |
| Average earning assets | $103,351,000 | 4,701 |
| Average equity | $18,261,800 | 3,512 |
| Average total loans | NA | NA |