Home > Hertford Savings Bank, SSB > Performance and Condition Ratios
Hertford Savings Bank, SSB, 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 | 5.2737% | 1,534 |
| Cost of funding earning assets | 1.3403% | 2,391 |
| Net interest margin | 3.9334% | 1,308 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 3.4175% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2329% | 4,122 |
| Return on assets (ROA) | 0.2329% | 4,132 |
| Pretax return on assets | 0.3147% | 4,078 |
| Return on Equity (ROE) | 1.5800% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.5840% | 3,683 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.5683% | 369 |
| Assets per employee ($millions) | 4.1455% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 4,276 |
| Loan loss allowance to noncurrent loans | 156.8182% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 1,895 |
| Noncurrent loans to loans | 0.3665% | 1,887 |
| Net loans and leases to total assets | 71.9800% | 1,582 |
| Net loans and leases to deposits | 83.9854% | 1,782 |
| Net loans and leases to core deposits | 83.9854% | 2,449 |
| Total domestic deposits to total assets | 85.7100% | 2,103 |
| Equity capital to assets | 14.0996% | 666 |
| Core capital (leverage) ratio | 14.1568% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $15,889,000 | 4,536 |
| Average earning assets | $14,847,200 | 4,501 |
| Average equity | $2,335,800 | 4,468 |
| Average total loans | $11,810,800 | 4,394 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2189% | 1,422 |
| Cost of funding earning assets | 1.1274% | 2,666 |
| Net interest margin | 4.0915% | 1,080 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 3.3681% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4242% | 3,921 |
| Return on assets (ROA) | 0.4242% | 3,912 |
| Pretax return on assets | 0.5005% | 3,905 |
| Return on Equity (ROE) | 2.8500% | 4,112 |
| Retained earnings to average equity (ytd only) | 2.8547% | 3,545 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.0614% | 474 |
| Assets per employee ($millions) | 4.1083% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5693% | 4,303 |
| Loan loss allowance to noncurrent loans | 766.6667% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,260 |
| Noncurrent loans to loans | 0.0743% | 3,227 |
| Net loans and leases to total assets | 73.3300% | 1,429 |
| Net loans and leases to deposits | 85.8150% | 1,590 |
| Net loans and leases to core deposits | 87.4021% | 2,099 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 14.3127% | 604 |
| Core capital (leverage) ratio | 14.4481% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $15,715,750 | 4,561 |
| Average earning assets | $14,664,250 | 4,528 |
| Average equity | $2,335,250 | 4,487 |
| Average total loans | $11,762,250 | 4,417 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 1,204 |
| Cost of funding earning assets | 0.8772% | 3,002 |
| Net interest margin | 4.3302% | 774 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 3.4633% | 563 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5428% | 3,717 |
| Return on assets (ROA) | 0.5428% | 3,725 |
| Pretax return on assets | 0.5944% | 3,813 |
| Return on Equity (ROE) | 3.6100% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.6057% | 3,314 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.3503% | 527 |
| Assets per employee ($millions) | 3.9973% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5665% | 4,331 |
| Loan loss allowance to noncurrent loans | 766.6667% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,212 |
| Noncurrent loans to loans | 0.0739% | 3,162 |
| Net loans and leases to total assets | 75.7400% | 1,083 |
| Net loans and leases to deposits | 88.8807% | 1,274 |
| Net loans and leases to core deposits | 90.5556% | 1,757 |
| Total domestic deposits to total assets | 85.2100% | 2,483 |
| Equity capital to assets | 14.6538% | 555 |
| Core capital (leverage) ratio | 14.8942% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $15,476,667 | 4,593 |
| Average earning assets | $14,364,333 | 4,559 |
| Average equity | $2,329,667 | 4,519 |
| Average total loans | $11,643,000 | 4,444 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 1,205 |
| Cost of funding earning assets | 0.5127% | 3,645 |
| Net interest margin | 4.5000% | 585 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 3.8632% | 390 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3416% | 4,186 |
| Return on assets (ROA) | 0.3679% | 4,088 |
| Pretax return on assets | 0.3679% | 4,177 |
| Return on Equity (ROE) | 2.4100% | 4,251 |
| Retained earnings to average equity (ytd only) | 2.4107% | 3,625 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.8750% | 312 |
| Assets per employee ($millions) | 5.0713% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5866% | 4,378 |
| Loan loss allowance to noncurrent loans | 405.8824% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,739 |
| Noncurrent loans to loans | 0.1445% | 2,772 |
| Net loans and leases to total assets | 76.8600% | 887 |
| Net loans and leases to deposits | 91.1096% | 970 |
| Net loans and leases to core deposits | 91.1096% | 1,556 |
| Total domestic deposits to total assets | 84.3600% | 3,009 |
| Equity capital to assets | 15.2162% | 462 |
| Core capital (leverage) ratio | 15.2775% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $15,220,500 | 4,657 |
| Average earning assets | $14,044,500 | 4,630 |
| Average equity | $2,323,000 | 4,586 |
| Average total loans | $11,375,000 | 4,512 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 549 |
| Cost of funding earning assets | 0.3319% | 2,616 |
| Net interest margin | 4.3292% | 396 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 3.1553% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8333% | 3,210 |
| Return on assets (ROA) | 0.8333% | 3,134 |
| Pretax return on assets | 0.9097% | 3,327 |
| Return on Equity (ROE) | 5.8200% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.8222% | 2,710 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.6213% | 877 |
| Assets per employee ($millions) | 3.8068% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 4,307 |
| Loan loss allowance to noncurrent loans | 383.3333% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,696 |
| Noncurrent loans to loans | 0.1638% | 2,670 |
| Net loans and leases to total assets | 71.7100% | 1,448 |
| Net loans and leases to deposits | 84.9199% | 1,398 |
| Net loans and leases to core deposits | 84.9199% | 1,825 |
| Total domestic deposits to total assets | 84.4400% | 3,117 |
| Equity capital to assets | 15.3083% | 447 |
| Core capital (leverage) ratio | 15.2323% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $15,719,800 | 4,687 |
| Average earning assets | $14,159,800 | 4,661 |
| Average equity | $2,250,000 | 4,660 |
| Average total loans | $10,667,400 | 4,550 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 654 |
| Cost of funding earning assets | 0.3174% | 1,990 |
| Net interest margin | 4.0328% | 603 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 3.0886% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4892% | 4,100 |
| Return on assets (ROA) | 0.4965% | 4,030 |
| Pretax return on assets | 0.5723% | 4,032 |
| Return on Equity (ROE) | 3.5300% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.5280% | 3,606 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.5622% | 514 |
| Assets per employee ($millions) | 4.0098% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 4,320 |
| Loan loss allowance to noncurrent loans | 46.9388% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 510 |
| Noncurrent loans to loans | 1.4007% | 515 |
| Net loans and leases to total assets | 65.0000% | 1,983 |
| Net loans and leases to deposits | 75.7593% | 1,896 |
| Net loans and leases to core deposits | 75.7593% | 2,213 |
| Total domestic deposits to total assets | 85.8000% | 3,111 |
| Equity capital to assets | 14.0345% | 564 |
| Core capital (leverage) ratio | 14.0626% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $15,843,000 | 4,722 |
| Average earning assets | $14,282,500 | 4,698 |
| Average equity | $2,229,750 | 4,705 |
| Average total loans | $10,587,250 | 4,585 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 616 |
| Cost of funding earning assets | 0.3241% | 1,493 |
| Net interest margin | 3.8888% | 621 |
| Noninterest income to average assets | 0.0127% | 4,715 |
| Noninterest expense to average assets | 2.9282% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5070% | 3,873 |
| Return on assets (ROA) | 0.5070% | 3,829 |
| Pretax return on assets | 0.5831% | 3,845 |
| Return on Equity (ROE) | 3.5993% | 4,116 |
| Retained earnings to average equity (ytd only) | 3.5993% | 3,236 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3935% | 714 |
| Assets per employee ($millions) | 5.3353% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 4,382 |
| Loan loss allowance to noncurrent loans | 46.9388% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9184% | 539 |
| Noncurrent loans to loans | 1.4336% | 523 |
| Net loans and leases to total assets | 63.6324% | 1,948 |
| Net loans and leases to deposits | 74.0028% | 1,870 |
| Net loans and leases to core deposits | 74.0028% | 2,176 |
| Total domestic deposits to total assets | 85.9865% | 3,251 |
| Equity capital to assets | 13.9510% | 523 |
| Core capital (leverage) ratio | 13.9956% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3735% | 233 |
| Memoranda: | ||
| Average total assets | $15,777,667 | 4,756 |
| Average earning assets | $14,194,667 | 4,744 |
| Average equity | $2,222,667 | 4,731 |
| Average total loans | $10,618,000 | 4,647 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 663 |
| Cost of funding earning assets | 0.3423% | 1,271 |
| Net interest margin | 3.7367% | 701 |
| Noninterest income to average assets | 0.0255% | 4,714 |
| Noninterest expense to average assets | 3.1155% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2554% | 4,231 |
| Return on assets (ROA) | 0.2554% | 4,204 |
| Pretax return on assets | 0.2554% | 4,259 |
| Return on Equity (ROE) | 1.8038% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.8038% | 3,595 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4242% | 447 |
| Assets per employee ($millions) | 5.2460% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 4,476 |
| Loan loss allowance to noncurrent loans | 46.9388% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 566 |
| Noncurrent loans to loans | 1.3572% | 639 |
| Net loans and leases to total assets | 68.3823% | 1,179 |
| Net loans and leases to deposits | 79.7599% | 1,165 |
| Net loans and leases to core deposits | 79.7599% | 1,502 |
| Total domestic deposits to total assets | 85.7352% | 3,334 |
| Equity capital to assets | 13.9980% | 529 |
| Core capital (leverage) ratio | 14.0131% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9962% | 296 |
| Memoranda: | ||
| Average total assets | $15,663,500 | 4,785 |
| Average earning assets | $14,023,000 | 4,770 |
| Average equity | $2,217,500 | 4,759 |
| Average total loans | $10,800,000 | 4,668 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 663 |
| Cost of funding earning assets | 0.4723% | 1,047 |
| Net interest margin | 3.9692% | 751 |
| Noninterest income to average assets | 0.1360% | 4,470 |
| Noninterest expense to average assets | 2.8559% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6476% | 3,753 |
| Return on assets (ROA) | 0.6476% | 3,811 |
| Pretax return on assets | 0.6541% | 4,025 |
| Return on Equity (ROE) | 4.5939% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.5939% | 2,971 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3653% | 729 |
| Assets per employee ($millions) | 5.1963% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6407% | 4,508 |
| Loan loss allowance to noncurrent loans | 46.6216% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 604 |
| Noncurrent loans to loans | 1.3743% | 681 |
| Net loans and leases to total assets | 68.6381% | 1,194 |
| Net loans and leases to deposits | 80.2640% | 1,194 |
| Net loans and leases to core deposits | 80.2640% | 1,571 |
| Total domestic deposits to total assets | 85.5154% | 3,086 |
| Equity capital to assets | 14.3178% | 607 |
| Core capital (leverage) ratio | 14.0936% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4509% | 254 |
| Memoranda: | ||
| Average total assets | $15,441,800 | 4,828 |
| Average earning assets | $13,126,200 | 4,818 |
| Average equity | $2,176,800 | 4,804 |
| Average total loans | $10,987,600 | 4,713 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 634 |
| Cost of funding earning assets | 0.5153% | 974 |
| Net interest margin | 4.0197% | 769 |
| Noninterest income to average assets | 0.0260% | 4,838 |
| Noninterest expense to average assets | 2.7177% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6837% | 3,810 |
| Return on assets (ROA) | 0.6837% | 3,869 |
| Pretax return on assets | 0.6837% | 4,093 |
| Return on Equity (ROE) | 4.8697% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.8697% | 3,265 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8982% | 753 |
| Assets per employee ($millions) | 5.3070% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6251% | 4,606 |
| Loan loss allowance to noncurrent loans | 35.3846% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 478 |
| Noncurrent loans to loans | 1.7665% | 553 |
| Net loans and leases to total assets | 68.9027% | 1,204 |
| Net loans and leases to deposits | 80.2135% | 1,271 |
| Net loans and leases to core deposits | 80.2135% | 1,709 |
| Total domestic deposits to total assets | 85.8991% | 2,787 |
| Equity capital to assets | 13.8936% | 758 |
| Core capital (leverage) ratio | 14.0739% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,405,000 | 4,902 |
| Average earning assets | $12,936,000 | 4,892 |
| Average equity | $2,163,000 | 4,877 |
| Average total loans | $11,042,250 | 4,787 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 507 |
| Cost of funding earning assets | 0.5744% | 841 |
| Net interest margin | 4.1641% | 619 |
| Noninterest income to average assets | 0.0263% | 4,876 |
| Noninterest expense to average assets | 2.6259% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8272% | 3,433 |
| Return on assets (ROA) | 0.8272% | 3,504 |
| Pretax return on assets | 0.8272% | 3,810 |
| Return on Equity (ROE) | 5.8696% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.8696% | 2,855 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0456% | 1,079 |
| Assets per employee ($millions) | 5.1517% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 4,631 |
| Loan loss allowance to noncurrent loans | 50.0000% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 870 |
| Noncurrent loans to loans | 1.2530% | 947 |
| Net loans and leases to total assets | 70.8185% | 1,110 |
| Net loans and leases to deposits | 82.6849% | 1,151 |
| Net loans and leases to core deposits | 82.6849% | 1,665 |
| Total domestic deposits to total assets | 85.6487% | 2,857 |
| Equity capital to assets | 14.2090% | 677 |
| Core capital (leverage) ratio | 14.2164% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3338% | 287 |
| Memoranda: | ||
| Average total assets | $15,233,000 | 4,938 |
| Average earning assets | $12,535,667 | 4,929 |
| Average equity | $2,146,667 | 4,914 |
| Average total loans | $11,043,333 | 4,822 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 336 |
| Cost of funding earning assets | 0.6712% | 613 |
| Net interest margin | 4.3628% | 459 |
| Noninterest income to average assets | 0.0529% | 4,843 |
| Noninterest expense to average assets | 2.9097% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5819% | 3,987 |
| Return on assets (ROA) | 0.5819% | 4,042 |
| Pretax return on assets | 0.5819% | 4,216 |
| Return on Equity (ROE) | 4.1470% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.1470% | 3,461 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 629 |
| Assets per employee ($millions) | 5.0583% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6206% | 4,668 |
| Loan loss allowance to noncurrent loans | 50.0000% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 943 |
| Noncurrent loans to loans | 1.2411% | 1,057 |
| Net loans and leases to total assets | 72.8171% | 920 |
| Net loans and leases to deposits | 85.0131% | 1,048 |
| Net loans and leases to core deposits | 85.0131% | 1,590 |
| Total domestic deposits to total assets | 85.6540% | 2,868 |
| Equity capital to assets | 14.0560% | 659 |
| Core capital (leverage) ratio | 14.0755% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,122,000 | 4,964 |
| Average earning assets | $11,919,000 | 4,956 |
| Average equity | $2,122,000 | 4,940 |
| Average total loans | $11,058,000 | 4,846 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 586 |
| Cost of funding earning assets | 0.9821% | 635 |
| Net interest margin | 3.9286% | 1,139 |
| Noninterest income to average assets | -0.2372% | 4,991 |
| Noninterest expense to average assets | 3.3561% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.4326% | 4,869 |
| Return on assets (ROA) | -0.4326% | 4,880 |
| Pretax return on assets | -0.3000% | 4,844 |
| Return on Equity (ROE) | -2.8701% | 4,863 |
| Retained earnings to average equity (ytd only) | -2.8701% | 4,758 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8174% | 120 |
| Assets per employee ($millions) | 5.0230% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6274% | 4,687 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 1,075 |
| Noncurrent loans to loans | 1.2549% | 1,091 |
| Net loans and leases to total assets | 72.5197% | 1,223 |
| Net loans and leases to deposits | 84.6672% | 1,392 |
| Net loans and leases to core deposits | 84.6672% | 1,979 |
| Total domestic deposits to total assets | 85.6527% | 2,509 |
| Equity capital to assets | 14.0089% | 793 |
| Core capital (leverage) ratio | 13.9000% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,332,200 | 4,985 |
| Average earning assets | $12,014,600 | 4,979 |
| Average equity | $2,160,200 | 4,961 |
| Average total loans | $11,003,600 | 4,878 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 815 |
| Cost of funding earning assets | 1.0176% | 717 |
| Net interest margin | 3.8272% | 1,550 |
| Noninterest income to average assets | 0.1414% | 4,598 |
| Noninterest expense to average assets | 3.1382% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1319% | 4,670 |
| Return on assets (ROA) | 0.1319% | 4,695 |
| Pretax return on assets | 0.2639% | 4,592 |
| Return on Equity (ROE) | 0.8592% | 4,720 |
| Retained earnings to average equity (ytd only) | 0.8592% | 4,296 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2438% | 303 |
| Assets per employee ($millions) | 5.0497% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6184% | 4,701 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9077% | 366 |
| Noncurrent loans to loans | 1.2369% | 1,231 |
| Net loans and leases to total assets | 73.1930% | 1,473 |
| Net loans and leases to deposits | 85.8736% | 1,721 |
| Net loans and leases to core deposits | 85.8736% | 2,315 |
| Total domestic deposits to total assets | 85.2333% | 2,346 |
| Equity capital to assets | 14.4366% | 748 |
| Core capital (leverage) ratio | 14.6337% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7150% | 315 |
| Memoranda: | ||
| Average total assets | $14,148,000 | 5,017 |
| Average earning assets | $12,053,750 | 5,009 |
| Average equity | $2,172,500 | 4,990 |
| Average total loans | $11,005,250 | 4,909 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 1,193 |
| Cost of funding earning assets | 1.0443% | 856 |
| Net interest margin | 3.7462% | 2,007 |
| Noninterest income to average assets | 0.1593% | 4,494 |
| Noninterest expense to average assets | 3.2720% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0290% | 4,755 |
| Return on assets (ROA) | 0.0290% | 4,774 |
| Pretax return on assets | 0.1593% | 4,673 |
| Return on Equity (ROE) | 0.1845% | 4,784 |
| Retained earnings to average equity (ytd only) | 0.1845% | 4,278 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3586% | 260 |
| Assets per employee ($millions) | 4.8707% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 4,716 |
| Loan loss allowance to noncurrent loans | 690.0000% | 759 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 1,037 |
| Noncurrent loans to loans | 0.0897% | 4,104 |
| Net loans and leases to total assets | 75.8349% | 1,158 |
| Net loans and leases to deposits | 89.3845% | 1,409 |
| Net loans and leases to core deposits | 89.3845% | 2,120 |
| Total domestic deposits to total assets | 84.8412% | 2,452 |
| Equity capital to assets | 14.8850% | 638 |
| Core capital (leverage) ratio | 15.1970% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,814,333 | 5,051 |
| Average earning assets | $12,065,667 | 5,042 |
| Average equity | $2,167,667 | 5,020 |
| Average total loans | $10,954,667 | 4,943 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 2,577 |
| Cost of funding earning assets | 1.0695% | 1,145 |
| Net interest margin | 3.3422% | 3,474 |
| Noninterest income to average assets | 0.0596% | 4,949 |
| Noninterest expense to average assets | 2.9220% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1193% | 4,635 |
| Return on assets (ROA) | 0.1193% | 4,641 |
| Pretax return on assets | 0.1193% | 4,646 |
| Return on Equity (ROE) | 0.7394% | 4,662 |
| Retained earnings to average equity (ytd only) | 0.7394% | 3,809 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0784% | 325 |
| Assets per employee ($millions) | 4.6117% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6334% | 4,713 |
| Loan loss allowance to noncurrent loans | 160.4651% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4022% | 799 |
| Noncurrent loans to loans | 0.3947% | 3,068 |
| Net loans and leases to total assets | 78.2364% | 943 |
| Net loans and leases to deposits | 93.0696% | 1,174 |
| Net loans and leases to core deposits | 93.0696% | 2,062 |
| Total domestic deposits to total assets | 84.0622% | 2,771 |
| Equity capital to assets | 15.6559% | 642 |
| Core capital (leverage) ratio | 16.0742% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,415,500 | 5,102 |
| Average earning assets | $11,968,000 | 5,093 |
| Average equity | $2,164,000 | 5,065 |
| Average total loans | $10,857,000 | 4,985 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 1,234 |
| Cost of funding earning assets | 1.0416% | 1,548 |
| Net interest margin | 4.0487% | 1,687 |
| Noninterest income to average assets | -0.1684% | 5,161 |
| Noninterest expense to average assets | 3.2078% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1378% | 4,901 |
| Return on assets (ROA) | 0.1378% | 4,920 |
| Pretax return on assets | 0.3139% | 4,808 |
| Return on Equity (ROE) | 0.8324% | 4,935 |
| Retained earnings to average equity (ytd only) | 0.8324% | 4,446 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0870% | 314 |
| Assets per employee ($millions) | 4.3320% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6376% | 4,674 |
| Loan loss allowance to noncurrent loans | 28.1633% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 3.0471% | 173 |
| Noncurrent loans to loans | 2.2641% | 532 |
| Net loans and leases to total assets | 82.7331% | 462 |
| Net loans and leases to deposits | 99.6109% | 634 |
| Net loans and leases to core deposits | 99.6109% | 1,593 |
| Total domestic deposits to total assets | 83.0563% | 3,176 |
| Equity capital to assets | 16.6359% | 511 |
| Core capital (leverage) ratio | 16.7363% | 442 |
| Tier 1 risk-based capital ratio | 27.9328% | 562 |
| Total risk-based capital ratio | 28.8243% | 573 |
| Memoranda: | ||
| Average total assets | $13,062,000 | 5,160 |
| Average earning assets | $11,905,200 | 5,152 |
| Average equity | $2,162,400 | 5,123 |
| Average total loans | $10,071,000 | 5,054 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 1,761 |
| Cost of funding earning assets | 0.9973% | 1,774 |
| Net interest margin | 3.9223% | 2,185 |
| Noninterest income to average assets | -0.2447% | 5,238 |
| Noninterest expense to average assets | 3.0788% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0713% | 5,037 |
| Return on assets (ROA) | 0.0713% | 5,054 |
| Pretax return on assets | 0.2447% | 4,957 |
| Return on Equity (ROE) | 0.4314% | 5,057 |
| Retained earnings to average equity (ytd only) | 0.4314% | 4,679 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6380% | 255 |
| Assets per employee ($millions) | 4.3130% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 4,711 |
| Loan loss allowance to noncurrent loans | 32.7014% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.7977% | 207 |
| Noncurrent loans to loans | 2.0186% | 668 |
| Net loans and leases to total assets | 80.2535% | 817 |
| Net loans and leases to deposits | 96.6493% | 934 |
| Net loans and leases to core deposits | 96.6493% | 1,947 |
| Total domestic deposits to total assets | 83.0358% | 3,159 |
| Equity capital to assets | 16.6705% | 527 |
| Core capital (leverage) ratio | 16.5207% | 502 |
| Tier 1 risk-based capital ratio | 28.2263% | 558 |
| Total risk-based capital ratio | 29.1322% | 566 |
| Memoranda: | ||
| Average total assets | $13,078,500 | 5,237 |
| Average earning assets | $11,897,750 | 5,229 |
| Average equity | $2,162,500 | 5,201 |
| Average total loans | $9,883,500 | 5,136 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 1,934 |
| Cost of funding earning assets | 0.9614% | 1,857 |
| Net interest margin | 3.8795% | 2,304 |
| Noninterest income to average assets | -0.3810% | 5,290 |
| Noninterest expense to average assets | 2.9714% | 2,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0305% | 5,112 |
| Return on assets (ROA) | -0.0305% | 5,117 |
| Pretax return on assets | 0.1524% | 5,047 |
| Return on Equity (ROE) | -0.1848% | 5,112 |
| Retained earnings to average equity (ytd only) | -0.1848% | 4,710 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1220% | 216 |
| Assets per employee ($millions) | 4.3483% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 4,765 |
| Loan loss allowance to noncurrent loans | 77.5281% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8398% | 537 |
| Noncurrent loans to loans | 0.8598% | 1,887 |
| Net loans and leases to total assets | 78.8195% | 1,071 |
| Net loans and leases to deposits | 94.5124% | 1,203 |
| Net loans and leases to core deposits | 94.5124% | 2,207 |
| Total domestic deposits to total assets | 83.3959% | 3,073 |
| Equity capital to assets | 16.4431% | 543 |
| Core capital (leverage) ratio | 16.3335% | 505 |
| Tier 1 risk-based capital ratio | 28.1896% | 557 |
| Total risk-based capital ratio | 29.0981% | 558 |
| Memoranda: | ||
| Average total assets | $13,125,000 | 5,284 |
| Average earning assets | $11,857,330 | 5,276 |
| Average equity | $2,164,330 | 5,241 |
| Average total loans | $9,693,670 | 5,185 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 1,842 |
| Cost of funding earning assets | 0.9235% | 1,905 |
| Net interest margin | 3.8991% | 2,190 |
| Noninterest income to average assets | 0.0304% | 5,261 |
| Noninterest expense to average assets | 3.0687% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4254% | 4,677 |
| Return on assets (ROA) | 0.4254% | 4,688 |
| Pretax return on assets | 0.4254% | 4,806 |
| Return on Equity (ROE) | 2.5759% | 4,878 |
| Retained earnings to average equity (ytd only) | 2.5759% | 3,896 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8261% | 491 |
| Assets per employee ($millions) | 4.4150% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 4,722 |
| Loan loss allowance to noncurrent loans | 75.8242% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.0310% | 474 |
| Noncurrent loans to loans | 0.9595% | 1,738 |
| Net loans and leases to total assets | 71.0834% | 2,313 |
| Net loans and leases to deposits | 85.2576% | 2,221 |
| Net loans and leases to core deposits | 85.2576% | 2,935 |
| Total domestic deposits to total assets | 83.3749% | 3,264 |
| Equity capital to assets | 16.4817% | 501 |
| Core capital (leverage) ratio | 16.5200% | 475 |
| Tier 1 risk-based capital ratio | 30.1286% | 468 |
| Total risk-based capital ratio | 31.0831% | 472 |
| Memoranda: | ||
| Average total assets | $13,165,000 | 5,343 |
| Average earning assets | $11,695,000 | 5,334 |
| Average equity | $2,174,000 | 5,296 |
| Average total loans | $9,365,000 | 5,253 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 1,321 |
| Cost of funding earning assets | 0.6971% | 2,108 |
| Net interest margin | 4.1912% | 1,413 |
| Noninterest income to average assets | 0.1191% | 5,083 |
| Noninterest expense to average assets | 3.1362% | 1,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7066% | 4,121 |
| Return on assets (ROA) | 0.7066% | 4,124 |
| Pretax return on assets | 0.7066% | 4,399 |
| Return on Equity (ROE) | 4.1714% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.1714% | 3,259 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6116% | 832 |
| Assets per employee ($millions) | 4.3617% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 4,688 |
| Loan loss allowance to noncurrent loans | 74.1935% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 2.0711% | 450 |
| Noncurrent loans to loans | 1.0058% | 1,617 |
| Net loans and leases to total assets | 70.1337% | 2,548 |
| Net loans and leases to deposits | 84.2390% | 2,491 |
| Net loans and leases to core deposits | 84.2390% | 3,061 |
| Total domestic deposits to total assets | 83.2556% | 3,243 |
| Equity capital to assets | 16.5457% | 460 |
| Core capital (leverage) ratio | 16.7233% | 437 |
| Tier 1 risk-based capital ratio | 30.6788% | 444 |
| Total risk-based capital ratio | 31.6565% | 450 |
| Memoranda: | ||
| Average total assets | $12,594,800 | 5,391 |
| Average earning assets | $11,190,000 | 5,382 |
| Average equity | $2,133,600 | 5,343 |
| Average total loans | $8,845,000 | 5,309 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 1,342 |
| Cost of funding earning assets | 0.6490% | 2,155 |
| Net interest margin | 4.1824% | 1,410 |
| Noninterest income to average assets | 0.2031% | 4,752 |
| Noninterest expense to average assets | 2.9719% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9193% | 3,438 |
| Return on assets (ROA) | 0.9193% | 3,440 |
| Pretax return on assets | 0.9514% | 3,876 |
| Return on Equity (ROE) | 5.3939% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.3939% | 3,012 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7493% | 1,381 |
| Assets per employee ($millions) | 3.2870% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,760 |
| Loan loss allowance to noncurrent loans | 86.2500% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.9623% | 547 |
| Noncurrent loans to loans | 0.8672% | 1,969 |
| Net loans and leases to total assets | 69.6380% | 2,701 |
| Net loans and leases to deposits | 83.8846% | 2,609 |
| Net loans and leases to core deposits | 83.8846% | 3,164 |
| Total domestic deposits to total assets | 83.0164% | 3,304 |
| Equity capital to assets | 16.4588% | 462 |
| Core capital (leverage) ratio | 16.6333% | 448 |
| Tier 1 risk-based capital ratio | 30.3366% | 463 |
| Total risk-based capital ratio | 31.3043% | 466 |
| Memoranda: | ||
| Average total assets | $12,472,250 | 5,462 |
| Average earning assets | $11,094,000 | 5,453 |
| Average equity | $2,125,750 | 5,415 |
| Average total loans | $8,744,750 | 5,379 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 1,061 |
| Cost of funding earning assets | 0.6216% | 2,093 |
| Net interest margin | 4.2596% | 1,135 |
| Noninterest income to average assets | 0.0653% | 5,367 |
| Noninterest expense to average assets | 2.9722% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8492% | 3,683 |
| Return on assets (ROA) | 0.8492% | 3,681 |
| Pretax return on assets | 0.8982% | 3,972 |
| Return on Equity (ROE) | 4.9219% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.9219% | 3,115 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7932% | 1,339 |
| Assets per employee ($millions) | 4.2233% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 4,771 |
| Loan loss allowance to noncurrent loans | 66.3462% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.2257% | 435 |
| Noncurrent loans to loans | 1.1667% | 1,495 |
| Net loans and leases to total assets | 69.8106% | 2,607 |
| Net loans and leases to deposits | 84.1980% | 2,516 |
| Net loans and leases to core deposits | 84.1980% | 3,065 |
| Total domestic deposits to total assets | 82.9124% | 3,432 |
| Equity capital to assets | 16.8114% | 417 |
| Core capital (leverage) ratio | 17.0581% | 389 |
| Tier 1 risk-based capital ratio | 31.6384% | 422 |
| Total risk-based capital ratio | 32.6643% | 425 |
| Memoranda: | ||
| Average total assets | $12,247,000 | 5,527 |
| Average earning assets | $10,940,000 | 5,517 |
| Average equity | $2,113,000 | 5,480 |
| Average total loans | $8,584,670 | 5,439 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 1,123 |
| Cost of funding earning assets | 0.5601% | 2,316 |
| Net interest margin | 4.2194% | 1,133 |
| Noninterest income to average assets | 0.0665% | 5,435 |
| Noninterest expense to average assets | 3.0576% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7644% | 3,853 |
| Return on assets (ROA) | 0.5982% | 4,440 |
| Pretax return on assets | 0.5982% | 4,688 |
| Return on Equity (ROE) | 3.4212% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.4212% | 3,839 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,138 |
| Assets per employee ($millions) | 4.0313% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 4,731 |
| Loan loss allowance to noncurrent loans | 63.8889% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.3648% | 410 |
| Noncurrent loans to loans | 1.2836% | 1,400 |
| Net loans and leases to total assets | 69.0012% | 2,630 |
| Net loans and leases to deposits | 83.9453% | 2,393 |
| Net loans and leases to core deposits | 83.9453% | 2,986 |
| Total domestic deposits to total assets | 82.1978% | 3,901 |
| Equity capital to assets | 17.3723% | 368 |
| Core capital (leverage) ratio | 17.4538% | 346 |
| Tier 1 risk-based capital ratio | 33.2383% | 364 |
| Total risk-based capital ratio | 34.3310% | 364 |
| Memoranda: | ||
| Average total assets | $12,035,500 | 5,591 |
| Average earning assets | $10,712,500 | 5,581 |
| Average equity | $2,104,500 | 5,536 |
| Average total loans | $8,420,000 | 5,503 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 1,125 |
| Cost of funding earning assets | 0.4146% | 3,103 |
| Net interest margin | 4.3153% | 933 |
| Noninterest income to average assets | 0.0508% | 5,533 |
| Noninterest expense to average assets | 3.0836% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8471% | 2,965 |
| Return on assets (ROA) | 0.8471% | 2,992 |
| Pretax return on assets | 0.8471% | 4,104 |
| Return on Equity (ROE) | 4.8501% | 4,220 |
| Retained earnings to average equity (ytd only) | 4.8501% | 2,219 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4483% | 1,289 |
| Assets per employee ($millions) | 3.9923% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 4,773 |
| Loan loss allowance to noncurrent loans | 63.3028% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.3963% | 404 |
| Noncurrent loans to loans | 1.2936% | 1,353 |
| Net loans and leases to total assets | 69.7754% | 2,552 |
| Net loans and leases to deposits | 84.8168% | 2,397 |
| Net loans and leases to core deposits | 84.8168% | 2,999 |
| Total domestic deposits to total assets | 82.2660% | 3,794 |
| Equity capital to assets | 17.6004% | 348 |
| Core capital (leverage) ratio | 17.9664% | 293 |
| Tier 1 risk-based capital ratio | 33.9070% | 346 |
| Total risk-based capital ratio | 35.0169% | 342 |
| Memoranda: | ||
| Average total assets | $11,804,400 | 5,657 |
| Average earning assets | $10,613,400 | 5,646 |
| Average equity | $2,061,800 | 5,604 |
| Average total loans | $8,146,000 | 5,574 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,326 |
| Cost of funding earning assets | 0.3899% | 3,288 |
| Net interest margin | 4.2267% | 1,094 |
| Noninterest income to average assets | 0.0340% | 5,632 |
| Noninterest expense to average assets | 2.9475% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8956% | 3,051 |
| Return on assets (ROA) | 0.8956% | 3,102 |
| Pretax return on assets | 0.8956% | 4,057 |
| Return on Equity (ROE) | 5.1374% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.1374% | 2,784 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6962% | 1,499 |
| Assets per employee ($millions) | 3.7937% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 4,073 |
| Loan loss allowance to noncurrent loans | 52.5974% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.9171% | 315 |
| Noncurrent loans to loans | 1.8970% | 917 |
| Net loans and leases to total assets | 70.6177% | 2,471 |
| Net loans and leases to deposits | 86.8771% | 2,199 |
| Net loans and leases to core deposits | 86.8771% | 2,882 |
| Total domestic deposits to total assets | 81.2846% | 3,976 |
| Equity capital to assets | 18.3464% | 308 |
| Core capital (leverage) ratio | 18.1763% | 296 |
| Tier 1 risk-based capital ratio | 34.5509% | 334 |
| Total risk-based capital ratio | 35.8459% | 326 |
| Memoranda: | ||
| Average total assets | $11,761,250 | 5,723 |
| Average earning assets | $10,599,000 | 5,710 |
| Average equity | $2,050,250 | 5,668 |
| Average total loans | $8,076,000 | 5,638 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 1,188 |
| Cost of funding earning assets | 0.3768% | 3,315 |
| Net interest margin | 4.2584% | 960 |
| Noninterest income to average assets | 0.0505% | 5,655 |
| Noninterest expense to average assets | 2.7759% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0262% | 2,306 |
| Return on assets (ROA) | 1.0262% | 2,348 |
| Pretax return on assets | 1.0767% | 3,276 |
| Return on Equity (ROE) | 5.9872% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.9872% | 2,122 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0524% | 2,332 |
| Assets per employee ($millions) | 5.7275% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,129 |
| Loan loss allowance to noncurrent loans | 38.0282% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 3.4134% | 241 |
| Noncurrent loans to loans | 2.6371% | 542 |
| Net loans and leases to total assets | 69.8036% | 2,553 |
| Net loans and leases to deposits | 85.3180% | 2,307 |
| Net loans and leases to core deposits | 85.3180% | 2,942 |
| Total domestic deposits to total assets | 81.8158% | 3,937 |
| Equity capital to assets | 18.0620% | 323 |
| Core capital (leverage) ratio | 17.8979% | 302 |
| Tier 1 risk-based capital ratio | 33.9905% | 332 |
| Total risk-based capital ratio | 35.2390% | 326 |
| Memoranda: | ||
| Average total assets | $11,888,000 | 5,771 |
| Average earning assets | $10,614,330 | 5,760 |
| Average equity | $2,037,670 | 5,717 |
| Average total loans | $8,062,000 | 5,688 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 1,273 |
| Cost of funding earning assets | 0.3786% | 3,214 |
| Net interest margin | 4.1641% | 1,059 |
| Noninterest income to average assets | 0.0661% | 5,685 |
| Noninterest expense to average assets | 2.9741% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7270% | 3,579 |
| Return on assets (ROA) | 0.7270% | 3,628 |
| Pretax return on assets | 0.7270% | 4,356 |
| Return on Equity (ROE) | 4.3521% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.3521% | 3,245 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3571% | 1,338 |
| Assets per employee ($millions) | 3.9833% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 4,258 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.8452% | 365 |
| Noncurrent loans to loans | 2.0067% | 886 |
| Net loans and leases to total assets | 66.8787% | 2,836 |
| Net loans and leases to deposits | 80.7926% | 2,641 |
| Net loans and leases to core deposits | 80.7926% | 3,225 |
| Total domestic deposits to total assets | 82.7782% | 3,922 |
| Equity capital to assets | 16.9874% | 388 |
| Core capital (leverage) ratio | 16.9294% | 367 |
| Tier 1 risk-based capital ratio | 32.4333% | 402 |
| Total risk-based capital ratio | 33.6795% | 392 |
| Memoranda: | ||
| Average total assets | $12,104,500 | 5,838 |
| Average earning assets | $10,566,500 | 5,829 |
| Average equity | $2,022,000 | 5,783 |
| Average total loans | $8,054,500 | 5,753 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,352 |
| Cost of funding earning assets | 0.4573% | 2,473 |
| Net interest margin | 4.1154% | 1,345 |
| Noninterest income to average assets | 0.0480% | 5,779 |
| Noninterest expense to average assets | 3.2054% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0879% | 5,576 |
| Return on assets (ROA) | 0.0879% | 5,604 |
| Pretax return on assets | 0.0799% | 5,611 |
| Return on Equity (ROE) | 0.5479% | 5,622 |
| Retained earnings to average equity (ytd only) | 0.5479% | 5,108 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5669% | 264 |
| Assets per employee ($millions) | 4.0863% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 4,269 |
| Loan loss allowance to noncurrent loans | 44.5055% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 2.9366% | 354 |
| Noncurrent loans to loans | 2.2648% | 739 |
| Net loans and leases to total assets | 64.8911% | 3,234 |
| Net loans and leases to deposits | 77.6931% | 3,137 |
| Net loans and leases to core deposits | 77.6931% | 3,591 |
| Total domestic deposits to total assets | 83.5223% | 3,595 |
| Equity capital to assets | 16.4287% | 442 |
| Core capital (leverage) ratio | 16.4852% | 399 |
| Tier 1 risk-based capital ratio | 31.9733% | 411 |
| Total risk-based capital ratio | 33.2116% | 403 |
| Memoranda: | ||
| Average total assets | $12,510,000 | 5,894 |
| Average earning assets | $9,841,000 | 5,886 |
| Average equity | $2,007,600 | 5,844 |
| Average total loans | $7,626,200 | 5,820 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 1,817 |
| Cost of funding earning assets | 0.4814% | 2,247 |
| Net interest margin | 3.9332% | 1,868 |
| Noninterest income to average assets | 0.0531% | 5,832 |
| Noninterest expense to average assets | 2.7996% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2969% | 5,292 |
| Return on assets (ROA) | 0.2969% | 5,375 |
| Pretax return on assets | 0.2863% | 5,471 |
| Return on Equity (ROE) | 1.8609% | 5,499 |
| Retained earnings to average equity (ytd only) | 1.8609% | 4,750 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7216% | 530 |
| Assets per employee ($millions) | 4.0767% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 4,294 |
| Loan loss allowance to noncurrent loans | 14.7810% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 5.9362% | 101 |
| Noncurrent loans to loans | 6.9035% | 86 |
| Net loans and leases to total assets | 64.2437% | 3,366 |
| Net loans and leases to deposits | 77.0596% | 3,280 |
| Net loans and leases to core deposits | 77.0596% | 3,746 |
| Total domestic deposits to total assets | 83.3688% | 3,460 |
| Equity capital to assets | 16.5576% | 476 |
| Core capital (leverage) ratio | 16.4833% | 422 |
| Tier 1 risk-based capital ratio | 30.8290% | 452 |
| Total risk-based capital ratio | 32.0786% | 449 |
| Memoranda: | ||
| Average total assets | $12,572,750 | 5,959 |
| Average earning assets | $9,695,000 | 5,955 |
| Average equity | $2,006,000 | 5,907 |
| Average total loans | $7,523,750 | 5,887 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,140 |
| Cost of funding earning assets | 0.5016% | 2,090 |
| Net interest margin | 3.8038% | 2,306 |
| Noninterest income to average assets | 0.0631% | 5,878 |
| Noninterest expense to average assets | 2.8060% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1419% | 5,622 |
| Return on assets (ROA) | 0.1419% | 5,668 |
| Pretax return on assets | 0.1261% | 5,692 |
| Return on Equity (ROE) | 0.9001% | 5,704 |
| Retained earnings to average equity (ytd only) | 0.9001% | 5,033 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6989% | 356 |
| Assets per employee ($millions) | 4.1330% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 4,061 |
| Loan loss allowance to noncurrent loans | 16.2325% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 5.4601% | 122 |
| Noncurrent loans to loans | 6.6454% | 98 |
| Net loans and leases to total assets | 59.9081% | 3,894 |
| Net loans and leases to deposits | 71.4712% | 3,833 |
| Net loans and leases to core deposits | 71.4712% | 4,223 |
| Total domestic deposits to total assets | 83.8213% | 3,344 |
| Equity capital to assets | 16.1787% | 517 |
| Core capital (leverage) ratio | 16.0403% | 460 |
| Tier 1 risk-based capital ratio | 27.7570% | 609 |
| Total risk-based capital ratio | 28.8778% | 603 |
| Memoranda: | ||
| Average total assets | $12,687,000 | 6,037 |
| Average earning assets | $9,569,330 | 6,034 |
| Average equity | $1,999,670 | 5,983 |
| Average total loans | $7,385,670 | 5,965 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 2,750 |
| Cost of funding earning assets | 0.5103% | 2,028 |
| Net interest margin | 3.6143% | 3,030 |
| Noninterest income to average assets | 0.0623% | 5,931 |
| Noninterest expense to average assets | 2.7434% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0312% | 5,804 |
| Return on assets (ROA) | -0.0312% | 5,830 |
| Pretax return on assets | -0.0312% | 5,832 |
| Return on Equity (ROE) | -0.2004% | 5,828 |
| Retained earnings to average equity (ytd only) | -0.2004% | 5,140 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1494% | 265 |
| Assets per employee ($millions) | 4.2700% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 3,897 |
| Loan loss allowance to noncurrent loans | 26.5574% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 3.7705% | 277 |
| Noncurrent loans to loans | 4.2450% | 270 |
| Net loans and leases to total assets | 55.4567% | 4,310 |
| Net loans and leases to deposits | 65.7109% | 4,284 |
| Net loans and leases to core deposits | 65.7109% | 4,552 |
| Total domestic deposits to total assets | 84.3950% | 3,359 |
| Equity capital to assets | 15.5738% | 587 |
| Core capital (leverage) ratio | 15.6914% | 510 |
| Tier 1 risk-based capital ratio | 33.3445% | 385 |
| Total risk-based capital ratio | 34.5813% | 379 |
| Memoranda: | ||
| Average total assets | $12,831,000 | 6,100 |
| Average earning assets | $9,407,000 | 6,097 |
| Average equity | $1,996,500 | 6,043 |
| Average total loans | $7,324,000 | 6,025 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,217 |
| Cost of funding earning assets | 0.5110% | 2,061 |
| Net interest margin | 4.1378% | 1,315 |
| Noninterest income to average assets | 0.0150% | 6,078 |
| Noninterest expense to average assets | 3.0529% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0375% | 5,835 |
| Return on assets (ROA) | 0.0375% | 5,867 |
| Pretax return on assets | 0.0600% | 5,838 |
| Return on Equity (ROE) | 0.2534% | 5,869 |
| Retained earnings to average equity (ytd only) | 0.2534% | 5,412 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0723% | 336 |
| Assets per employee ($millions) | 3.2130% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 4,118 |
| Loan loss allowance to noncurrent loans | 26.5574% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 3.7582% | 287 |
| Noncurrent loans to loans | 4.0868% | 292 |
| Net loans and leases to total assets | 57.4385% | 4,152 |
| Net loans and leases to deposits | 68.0118% | 4,129 |
| Net loans and leases to core deposits | 68.0118% | 4,451 |
| Total domestic deposits to total assets | 84.4538% | 3,309 |
| Equity capital to assets | 15.5462% | 590 |
| Core capital (leverage) ratio | 15.4579% | 540 |
| Tier 1 risk-based capital ratio | 30.4070% | 487 |
| Total risk-based capital ratio | 31.6720% | 481 |
| Memoranda: | ||
| Average total assets | $13,331,800 | 6,155 |
| Average earning assets | $9,981,200 | 6,154 |
| Average equity | $1,973,000 | 6,104 |
| Average total loans | $7,823,200 | 6,067 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 1,370 |
| Cost of funding earning assets | 0.5006% | 2,200 |
| Net interest margin | 4.0838% | 1,446 |
| Noninterest income to average assets | 0.0099% | 6,170 |
| Noninterest expense to average assets | 2.9438% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1091% | 5,838 |
| Return on assets (ROA) | 0.1091% | 5,875 |
| Pretax return on assets | 0.1388% | 5,857 |
| Return on Equity (ROE) | 0.7459% | 5,890 |
| Retained earnings to average equity (ytd only) | 0.7459% | 5,391 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4984% | 430 |
| Assets per employee ($millions) | 4.3687% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,325 |
| Loan loss allowance to noncurrent loans | 57.0423% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.4416% | 721 |
| Noncurrent loans to loans | 1.8989% | 1,222 |
| Net loans and leases to total assets | 56.4398% | 4,301 |
| Net loans and leases to deposits | 66.7358% | 4,307 |
| Net loans and leases to core deposits | 66.7358% | 4,645 |
| Total domestic deposits to total assets | 84.5720% | 3,187 |
| Equity capital to assets | 15.2983% | 681 |
| Core capital (leverage) ratio | 15.1931% | 603 |
| Tier 1 risk-based capital ratio | 30.7953% | 479 |
| Total risk-based capital ratio | 32.0720% | 474 |
| Memoranda: | ||
| Average total assets | $13,451,750 | 6,241 |
| Average earning assets | $10,121,000 | 6,241 |
| Average equity | $1,966,750 | 6,188 |
| Average total loans | $7,913,250 | 6,147 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,198 |
| Cost of funding earning assets | 0.5065% | 2,193 |
| Net interest margin | 4.1301% | 1,273 |
| Noninterest income to average assets | -0.0295% | 6,282 |
| Noninterest expense to average assets | 2.7714% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0442% | 5,942 |
| Return on assets (ROA) | 0.0442% | 5,984 |
| Pretax return on assets | 0.3243% | 5,618 |
| Return on Equity (ROE) | 0.3071% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.3071% | 5,413 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5238% | 792 |
| Assets per employee ($millions) | 4.3937% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 4,593 |
| Loan loss allowance to noncurrent loans | 57.0423% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.4277% | 795 |
| Noncurrent loans to loans | 1.8456% | 1,371 |
| Net loans and leases to total assets | 57.7574% | 4,132 |
| Net loans and leases to deposits | 68.1802% | 4,119 |
| Net loans and leases to core deposits | 68.1802% | 4,476 |
| Total domestic deposits to total assets | 84.7128% | 3,249 |
| Equity capital to assets | 15.1430% | 676 |
| Core capital (leverage) ratio | 14.9636% | 621 |
| Tier 1 risk-based capital ratio | 32.6614% | 436 |
| Total risk-based capital ratio | 33.9397% | 427 |
| Memoranda: | ||
| Average total assets | $13,567,000 | 6,318 |
| Average earning assets | $10,266,000 | 6,315 |
| Average equity | $1,954,000 | 6,262 |
| Average total loans | $8,058,330 | 6,217 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 764 |
| Cost of funding earning assets | 0.4977% | 2,303 |
| Net interest margin | 4.3645% | 785 |
| Noninterest income to average assets | 0.0291% | 6,276 |
| Noninterest expense to average assets | 3.0814% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0872% | 6,089 |
| Return on assets (ROA) | -0.0872% | 6,120 |
| Pretax return on assets | 0.2616% | 5,726 |
| Return on Equity (ROE) | -0.6208% | 6,104 |
| Retained earnings to average equity (ytd only) | -0.6208% | 5,490 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1739% | 703 |
| Assets per employee ($millions) | 4.5203% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 4,922 |
| Loan loss allowance to noncurrent loans | 57.0423% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.7063% | 744 |
| Noncurrent loans to loans | 1.7864% | 1,520 |
| Net loans and leases to total assets | 58.0193% | 3,942 |
| Net loans and leases to deposits | 67.7283% | 3,984 |
| Net loans and leases to core deposits | 67.7283% | 4,357 |
| Total domestic deposits to total assets | 85.6648% | 3,108 |
| Equity capital to assets | 14.2467% | 908 |
| Core capital (leverage) ratio | 14.0087% | 821 |
| Tier 1 risk-based capital ratio | 30.8541% | 500 |
| Total risk-based capital ratio | 32.1337% | 496 |
| Memoranda: | ||
| Average total assets | $13,760,000 | 6,387 |
| Average earning assets | $10,448,000 | 6,382 |
| Average equity | $1,933,000 | 6,325 |
| Average total loans | $8,240,500 | 6,276 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,894 |
| Cost of funding earning assets | 0.4911% | 2,761 |
| Net interest margin | 4.0028% | 1,891 |
| Noninterest income to average assets | -0.1411% | 6,466 |
| Noninterest expense to average assets | 2.5611% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1693% | 5,827 |
| Return on assets (ROA) | 0.1693% | 5,878 |
| Pretax return on assets | 0.3457% | 5,612 |
| Return on Equity (ROE) | 1.2152% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.2152% | 5,235 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1068% | 991 |
| Assets per employee ($millions) | 4.6530% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 5,295 |
| Loan loss allowance to noncurrent loans | 24.5455% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 2.7008% | 819 |
| Noncurrent loans to loans | 3.8678% | 496 |
| Net loans and leases to total assets | 60.5416% | 3,710 |
| Net loans and leases to deposits | 70.3195% | 3,865 |
| Net loans and leases to core deposits | 70.3195% | 4,298 |
| Total domestic deposits to total assets | 86.0950% | 2,783 |
| Equity capital to assets | 13.8549% | 1,012 |
| Core capital (leverage) ratio | 13.5661% | 953 |
| Tier 1 risk-based capital ratio | 29.4494% | 534 |
| Total risk-based capital ratio | 30.7153% | 523 |
| Memoranda: | ||
| Average total assets | $14,173,400 | 6,471 |
| Average earning assets | $10,792,400 | 6,470 |
| Average equity | $1,975,000 | 6,406 |
| Average total loans | $8,437,200 | 6,356 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 2,356 |
| Cost of funding earning assets | 0.4935% | 2,829 |
| Net interest margin | 3.8744% | 2,337 |
| Noninterest income to average assets | 0.3655% | 4,502 |
| Noninterest expense to average assets | 2.4085% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7122% | 3,877 |
| Return on assets (ROA) | 0.7122% | 3,978 |
| Pretax return on assets | 0.8997% | 3,987 |
| Return on Equity (ROE) | 5.1041% | 4,674 |
| Retained earnings to average equity (ytd only) | 5.1041% | 3,016 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8045% | 3,039 |
| Assets per employee ($millions) | 4.8090% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 5,447 |
| Loan loss allowance to noncurrent loans | 25.1553% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 3.2786% | 677 |
| Noncurrent loans to loans | 3.7569% | 604 |
| Net loans and leases to total assets | 58.8480% | 3,956 |
| Net loans and leases to deposits | 68.5839% | 4,076 |
| Net loans and leases to core deposits | 68.5839% | 4,453 |
| Total domestic deposits to total assets | 85.8044% | 2,956 |
| Equity capital to assets | 14.0431% | 991 |
| Core capital (leverage) ratio | 13.9235% | 867 |
| Tier 1 risk-based capital ratio | 29.1883% | 566 |
| Total risk-based capital ratio | 30.4015% | 559 |
| Memoranda: | ||
| Average total assets | $14,227,000 | 6,549 |
| Average earning assets | $10,805,750 | 6,549 |
| Average equity | $1,985,250 | 6,478 |
| Average total loans | $8,413,500 | 6,431 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 2,399 |
| Cost of funding earning assets | 0.4808% | 3,016 |
| Net interest margin | 3.8652% | 2,312 |
| Noninterest income to average assets | 0.1554% | 6,015 |
| Noninterest expense to average assets | 2.5847% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2542% | 5,697 |
| Return on assets (ROA) | 0.2542% | 5,777 |
| Pretax return on assets | 0.5226% | 5,215 |
| Return on Equity (ROE) | 1.8259% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.8259% | 4,976 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1818% | 1,607 |
| Assets per employee ($millions) | 4.7970% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 5,456 |
| Loan loss allowance to noncurrent loans | 28.6219% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 3.0158% | 842 |
| Noncurrent loans to loans | 3.4088% | 797 |
| Net loans and leases to total assets | 57.1260% | 4,097 |
| Net loans and leases to deposits | 66.2343% | 4,247 |
| Net loans and leases to core deposits | 66.2343% | 4,614 |
| Total domestic deposits to total assets | 86.2483% | 2,897 |
| Equity capital to assets | 13.6961% | 1,087 |
| Core capital (leverage) ratio | 13.8444% | 875 |
| Tier 1 risk-based capital ratio | 28.8889% | 586 |
| Total risk-based capital ratio | 30.1545% | 572 |
| Memoranda: | ||
| Average total assets | $14,160,330 | 6,617 |
| Average earning assets | $10,814,330 | 6,614 |
| Average equity | $1,971,670 | 6,539 |
| Average total loans | $8,361,000 | 6,491 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 2,165 |
| Cost of funding earning assets | 0.4797% | 3,108 |
| Net interest margin | 3.9118% | 2,049 |
| Noninterest income to average assets | 0.0570% | 6,466 |
| Noninterest expense to average assets | 1.9651% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1107% | 1,778 |
| Return on assets (ROA) | 1.1107% | 1,830 |
| Pretax return on assets | 1.1107% | 2,853 |
| Return on Equity (ROE) | 7.9108% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.9108% | 1,628 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8889% | 4,874 |
| Assets per employee ($millions) | 4.6487% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 5,677 |
| Loan loss allowance to noncurrent loans | 18.2844% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 3.4992% | 748 |
| Noncurrent loans to loans | 5.2358% | 404 |
| Net loans and leases to total assets | 60.0889% | 3,551 |
| Net loans and leases to deposits | 70.1666% | 3,582 |
| Net loans and leases to core deposits | 70.1666% | 4,072 |
| Total domestic deposits to total assets | 85.6375% | 3,538 |
| Equity capital to assets | 14.2908% | 833 |
| Core capital (leverage) ratio | 14.1000% | 789 |
| Tier 1 risk-based capital ratio | 29.7824% | 538 |
| Total risk-based capital ratio | 31.0728% | 527 |
| Memoranda: | ||
| Average total assets | $14,045,000 | 6,691 |
| Average earning assets | $10,839,000 | 6,686 |
| Average equity | $1,972,000 | 6,603 |
| Average total loans | $8,390,500 | 6,562 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 2,011 |
| Cost of funding earning assets | 0.6192% | 2,487 |
| Net interest margin | 3.9363% | 2,153 |
| Noninterest income to average assets | 0.3954% | 4,483 |
| Noninterest expense to average assets | 2.6926% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6612% | 3,980 |
| Return on assets (ROA) | 0.6612% | 4,082 |
| Pretax return on assets | 0.7362% | 4,395 |
| Return on Equity (ROE) | 5.0669% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.0669% | 2,547 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5288% | 2,385 |
| Assets per employee ($millions) | 4.7147% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 5,688 |
| Loan loss allowance to noncurrent loans | 35.2174% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9443% | 1,858 |
| Noncurrent loans to loans | 2.7644% | 1,286 |
| Net loans and leases to total assets | 58.2508% | 3,994 |
| Net loans and leases to deposits | 67.6104% | 4,105 |
| Net loans and leases to core deposits | 67.6104% | 4,551 |
| Total domestic deposits to total assets | 86.1567% | 3,174 |
| Equity capital to assets | 13.7938% | 967 |
| Core capital (leverage) ratio | 13.4485% | 975 |
| Tier 1 risk-based capital ratio | 29.5790% | 522 |
| Total risk-based capital ratio | 30.8558% | 510 |
| Memoranda: | ||
| Average total assets | $14,669,600 | 6,767 |
| Average earning assets | $11,305,000 | 6,767 |
| Average equity | $1,914,400 | 6,703 |
| Average total loans | $8,819,200 | 6,627 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 1,980 |
| Cost of funding earning assets | 0.6526% | 2,343 |
| Net interest margin | 3.9159% | 2,211 |
| Noninterest income to average assets | 0.1261% | 6,390 |
| Noninterest expense to average assets | 2.2160% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9008% | 2,831 |
| Return on assets (ROA) | 0.9008% | 2,946 |
| Pretax return on assets | 0.9368% | 3,735 |
| Return on Equity (ROE) | 6.9980% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.9980% | 1,874 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2857% | 3,707 |
| Assets per employee ($millions) | 4.9527% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 5,877 |
| Loan loss allowance to noncurrent loans | 35.0649% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 1.8576% | 2,188 |
| Noncurrent loans to loans | 2.7422% | 1,535 |
| Net loans and leases to total assets | 56.1516% | 4,301 |
| Net loans and leases to deposits | 64.7849% | 4,433 |
| Net loans and leases to core deposits | 64.7849% | 4,816 |
| Total domestic deposits to total assets | 86.6738% | 2,875 |
| Equity capital to assets | 13.1242% | 1,278 |
| Core capital (leverage) ratio | 13.1671% | 1,141 |
| Tier 1 risk-based capital ratio | 28.5610% | 588 |
| Total risk-based capital ratio | 29.7479% | 576 |
| Memoranda: | ||
| Average total assets | $14,801,000 | 6,844 |
| Average earning assets | $11,440,250 | 6,842 |
| Average equity | $1,905,250 | 6,785 |
| Average total loans | $8,944,000 | 6,696 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,720 |
| Cost of funding earning assets | 0.6533% | 2,462 |
| Net interest margin | 3.9887% | 1,903 |
| Noninterest income to average assets | 0.0947% | 6,546 |
| Noninterest expense to average assets | 2.2189% | 5,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0147% | 2,268 |
| Return on assets (ROA) | 1.0147% | 2,398 |
| Pretax return on assets | 1.0147% | 3,440 |
| Return on Equity (ROE) | 7.9351% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.9351% | 1,515 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6192% | 4,078 |
| Assets per employee ($millions) | 4.9037% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,064 |
| Loan loss allowance to noncurrent loans | 23.1429% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 2.9230% | 1,397 |
| Noncurrent loans to loans | 4.0046% | 972 |
| Net loans and leases to total assets | 58.8607% | 3,847 |
| Net loans and leases to deposits | 67.8286% | 4,042 |
| Net loans and leases to core deposits | 67.8286% | 4,515 |
| Total domestic deposits to total assets | 86.7786% | 2,956 |
| Equity capital to assets | 13.0854% | 1,318 |
| Core capital (leverage) ratio | 13.0414% | 1,146 |
| Tier 1 risk-based capital ratio | 27.0529% | 688 |
| Total risk-based capital ratio | 28.2058% | 685 |
| Memoranda: | ||
| Average total assets | $14,782,000 | 6,892 |
| Average earning assets | $11,633,000 | 6,890 |
| Average equity | $1,890,330 | 6,831 |
| Average total loans | $9,117,330 | 6,736 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,245 |
| Cost of funding earning assets | 0.6408% | 2,741 |
| Net interest margin | 4.1821% | 1,237 |
| Noninterest income to average assets | 0.1080% | 6,542 |
| Noninterest expense to average assets | 1.9706% | 6,163 |
| Loan and lease loss provision to assets | 0.1620% | 2,246 |
| Net operating income to assets | 1.3228% | 1,221 |
| Return on assets (ROA) | 1.3228% | 1,324 |
| Pretax return on assets | 1.3228% | 2,149 |
| Return on Equity (ROE) | 10.4645% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.4645% | 995 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0313% | 5,961 |
| Assets per employee ($millions) | 4.9580% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 6,141 |
| Loan loss allowance to noncurrent loans | 74.3590% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.5884% | 1,769 |
| Noncurrent loans to loans | 1.2741% | 3,643 |
| Net loans and leases to total assets | 61.1537% | 3,230 |
| Net loans and leases to deposits | 70.1852% | 3,448 |
| Net loans and leases to core deposits | 70.1852% | 4,054 |
| Total domestic deposits to total assets | 87.1319% | 2,883 |
| Equity capital to assets | 12.7605% | 1,554 |
| Core capital (leverage) ratio | 12.7135% | 1,242 |
| Tier 1 risk-based capital ratio | 25.8618% | 797 |
| Total risk-based capital ratio | 27.0473% | 799 |
| Memoranda: | ||
| Average total assets | $14,817,500 | 6,968 |
| Average earning assets | $11,860,000 | 6,965 |
| Average equity | $1,873,000 | 6,895 |
| Average total loans | $9,306,000 | 6,802 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 3,056 |
| Cost of funding earning assets | 0.7483% | 3,099 |
| Net interest margin | 3.8382% | 3,067 |
| Noninterest income to average assets | -0.2546% | 6,979 |
| Noninterest expense to average assets | 2.3241% | 5,625 |
| Loan and lease loss provision to assets | 0.6855% | 764 |
| Net operating income to assets | -0.4700% | 6,551 |
| Return on assets (ROA) | -0.4700% | 6,591 |
| Pretax return on assets | -0.1502% | 6,394 |
| Return on Equity (ROE) | -3.7271% | 6,536 |
| Retained earnings to average equity (ytd only) | -3.7271% | 6,336 |
| Net charge-offs to loans | 0.6786% | 1,738 |
| Credit loss provision to net charge-offs | 159.0909% | 1,690 |
| Earnings coverage of net charge-offs (x) | 1.2424% | 4,841 |
| Efficiency ratio | 81.2785% | 1,973 |
| Assets per employee ($millions) | 4.9203% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 6,374 |
| Loan loss allowance to noncurrent loans | 22.0109% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 4.3087% | 972 |
| Noncurrent loans to loans | 3.9029% | 1,236 |
| Net loans and leases to total assets | 63.3290% | 3,005 |
| Net loans and leases to deposits | 72.5326% | 3,319 |
| Net loans and leases to core deposits | 72.5326% | 3,973 |
| Total domestic deposits to total assets | 87.3112% | 2,640 |
| Equity capital to assets | 12.5195% | 1,699 |
| Core capital (leverage) ratio | 12.2767% | 1,411 |
| Tier 1 risk-based capital ratio | 24.4674% | 909 |
| Total risk-based capital ratio | 25.5392% | 916 |
| Memoranda: | ||
| Average total assets | $15,317,600 | 7,023 |
| Average earning assets | $12,427,600 | 7,027 |
| Average equity | $1,931,800 | 6,958 |
| Average total loans | $9,726,200 | 6,860 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 3,420 |
| Cost of funding earning assets | 0.7568% | 3,295 |
| Net interest margin | 3.7948% | 3,357 |
| Noninterest income to average assets | 0.0690% | 6,741 |
| Noninterest expense to average assets | 1.9581% | 6,430 |
| Loan and lease loss provision to assets | 0.1553% | 3,580 |
| Net operating income to assets | 0.6038% | 4,379 |
| Return on assets (ROA) | 0.6038% | 4,642 |
| Pretax return on assets | 1.0265% | 3,615 |
| Return on Equity (ROE) | 4.7794% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.7794% | 3,537 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3626% | 5,091 |
| Assets per employee ($millions) | 5.0760% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 6,832 |
| Loan loss allowance to noncurrent loans | 16.2602% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 3.3097% | 1,539 |
| Noncurrent loans to loans | 3.8518% | 1,360 |
| Net loans and leases to total assets | 62.5164% | 3,299 |
| Net loans and leases to deposits | 72.1376% | 3,591 |
| Net loans and leases to core deposits | 72.1376% | 4,231 |
| Total domestic deposits to total assets | 86.6627% | 2,875 |
| Equity capital to assets | 13.0680% | 1,565 |
| Core capital (leverage) ratio | 13.1229% | 1,142 |
| Tier 1 risk-based capital ratio | 26.5431% | 781 |
| Total risk-based capital ratio | 27.3430% | 800 |
| Memoranda: | ||
| Average total assets | $15,456,750 | 7,114 |
| Average earning assets | $12,507,750 | 7,123 |
| Average equity | $1,952,750 | 7,046 |
| Average total loans | $9,800,500 | 6,947 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 3,395 |
| Cost of funding earning assets | 0.7788% | 3,376 |
| Net interest margin | 3.8144% | 3,294 |
| Noninterest income to average assets | 0.0386% | 6,896 |
| Noninterest expense to average assets | 2.0344% | 6,364 |
| Loan and lease loss provision to assets | 0.1545% | 3,589 |
| Net operating income to assets | 0.3992% | 5,209 |
| Return on assets (ROA) | 0.3992% | 5,450 |
| Pretax return on assets | 0.9399% | 3,925 |
| Return on Equity (ROE) | 3.1953% | 5,608 |
| Retained earnings to average equity (ytd only) | 3.1953% | 4,487 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0206% | 4,720 |
| Assets per employee ($millions) | 5.0437% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 6,965 |
| Loan loss allowance to noncurrent loans | 14.7139% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 3.3177% | 1,629 |
| Noncurrent loans to loans | 3.8437% | 1,457 |
| Net loans and leases to total assets | 62.7454% | 3,278 |
| Net loans and leases to deposits | 72.1429% | 3,590 |
| Net loans and leases to core deposits | 72.1429% | 4,280 |
| Total domestic deposits to total assets | 86.9738% | 2,781 |
| Equity capital to assets | 12.8941% | 1,570 |
| Core capital (leverage) ratio | 12.7682% | 1,231 |
| Tier 1 risk-based capital ratio | 25.9713% | 807 |
| Total risk-based capital ratio | 26.6897% | 839 |
| Memoranda: | ||
| Average total assets | $15,533,000 | 7,170 |
| Average earning assets | $12,584,000 | 7,183 |
| Average equity | $1,940,330 | 7,098 |
| Average total loans | $9,874,000 | 7,001 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 3,725 |
| Cost of funding earning assets | 0.8471% | 3,089 |
| Net interest margin | 3.7020% | 3,820 |
| Noninterest income to average assets | 0.0508% | 6,926 |
| Noninterest expense to average assets | 1.9321% | 6,581 |
| Loan and lease loss provision to assets | 0.1525% | 3,467 |
| Net operating income to assets | 0.7627% | 3,559 |
| Return on assets (ROA) | 0.7627% | 3,795 |
| Pretax return on assets | 0.9661% | 3,811 |
| Return on Equity (ROE) | 6.2016% | 4,187 |
| Retained earnings to average equity (ytd only) | 6.2016% | 2,839 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3333% | 5,046 |
| Assets per employee ($millions) | 5.1783% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4791% | 7,080 |
| Loan loss allowance to noncurrent loans | 19.2771% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 2.4718% | 2,394 |
| Noncurrent loans to loans | 2.4855% | 2,624 |
| Net loans and leases to total assets | 64.1777% | 2,818 |
| Net loans and leases to deposits | 73.4655% | 3,203 |
| Net loans and leases to core deposits | 73.4655% | 3,967 |
| Total domestic deposits to total assets | 87.3576% | 2,741 |
| Equity capital to assets | 12.5523% | 1,691 |
| Core capital (leverage) ratio | 12.4117% | 1,378 |
| Tier 1 risk-based capital ratio | 25.5366% | 849 |
| Total risk-based capital ratio | 26.1649% | 902 |
| Memoranda: | ||
| Average total assets | $15,734,000 | 7,231 |
| Average earning assets | $12,750,000 | 7,244 |
| Average equity | $1,935,000 | 7,157 |
| Average total loans | $10,037,000 | 7,060 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 3,955 |
| Cost of funding earning assets | 1.1561% | 2,311 |
| Net interest margin | 3.6109% | 4,686 |
| Noninterest income to average assets | 0.0575% | 6,809 |
| Noninterest expense to average assets | 2.3122% | 6,010 |
| Loan and lease loss provision to assets | 0.0766% | 5,651 |
| Net operating income to assets | 0.6323% | 3,817 |
| Return on assets (ROA) | 0.6323% | 4,020 |
| Pretax return on assets | 0.7409% | 4,187 |
| Return on Equity (ROE) | 5.2615% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.2615% | 2,479 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8776% | 3,259 |
| Assets per employee ($millions) | 5.3110% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4177% | 7,157 |
| Loan loss allowance to noncurrent loans | 15.4982% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 2.5482% | 2,380 |
| Noncurrent loans to loans | 2.6949% | 2,412 |
| Net loans and leases to total assets | 62.8507% | 3,440 |
| Net loans and leases to deposits | 71.5030% | 3,875 |
| Net loans and leases to core deposits | 71.5030% | 4,591 |
| Total domestic deposits to total assets | 87.8993% | 2,223 |
| Equity capital to assets | 12.0505% | 2,086 |
| Core capital (leverage) ratio | 12.0117% | 1,588 |
| Tier 1 risk-based capital ratio | 24.9416% | 874 |
| Total risk-based capital ratio | 25.4866% | 933 |
| Memoranda: | ||
| Average total assets | $15,656,000 | 7,279 |
| Average earning assets | $13,320,600 | 7,276 |
| Average equity | $1,881,600 | 7,226 |
| Average total loans | $10,396,400 | 7,101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 4,606 |
| Cost of funding earning assets | 1.2087% | 2,269 |
| Net interest margin | 3.4576% | 5,365 |
| Noninterest income to average assets | 0.0599% | 6,919 |
| Noninterest expense to average assets | 1.9931% | 6,706 |
| Loan and lease loss provision to assets | 0.0513% | 5,805 |
| Net operating income to assets | 0.8896% | 2,779 |
| Return on assets (ROA) | 0.8896% | 2,935 |
| Pretax return on assets | 1.0008% | 3,398 |
| Return on Equity (ROE) | 7.4071% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.4071% | 1,771 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4494% | 4,813 |
| Assets per employee ($millions) | 5.3613% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3527% | 7,261 |
| Loan loss allowance to noncurrent loans | 8.4309% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 2.6548% | 2,436 |
| Noncurrent loans to loans | 4.1834% | 1,572 |
| Net loans and leases to total assets | 63.2368% | 3,471 |
| Net loans and leases to deposits | 71.9307% | 4,000 |
| Net loans and leases to core deposits | 71.9307% | 4,723 |
| Total domestic deposits to total assets | 87.9135% | 2,086 |
| Equity capital to assets | 11.9684% | 2,276 |
| Core capital (leverage) ratio | 12.2055% | 1,592 |
| Tier 1 risk-based capital ratio | 24.4792% | 958 |
| Total risk-based capital ratio | 24.9365% | 1,035 |
| Memoranda: | ||
| Average total assets | $15,586,750 | 7,356 |
| Average earning assets | $13,457,750 | 7,350 |
| Average equity | $1,872,000 | 7,302 |
| Average total loans | $10,481,500 | 7,171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 4,499 |
| Cost of funding earning assets | 1.2615% | 2,175 |
| Net interest margin | 3.4471% | 5,380 |
| Noninterest income to average assets | 0.0778% | 6,935 |
| Noninterest expense to average assets | 2.0362% | 6,720 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9338% | 2,497 |
| Return on assets (ROA) | 0.9338% | 2,603 |
| Pretax return on assets | 1.0894% | 2,891 |
| Return on Equity (ROE) | 7.7656% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.7656% | 1,545 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1452% | 5,035 |
| Assets per employee ($millions) | 5.2167% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2922% | 7,352 |
| Loan loss allowance to noncurrent loans | 18.9873% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 4,858 |
| Noncurrent loans to loans | 1.5388% | 4,102 |
| Net loans and leases to total assets | 65.4185% | 3,158 |
| Net loans and leases to deposits | 74.4853% | 3,718 |
| Net loans and leases to core deposits | 74.4853% | 4,512 |
| Total domestic deposits to total assets | 87.8275% | 2,261 |
| Equity capital to assets | 12.0958% | 2,032 |
| Core capital (leverage) ratio | 12.1801% | 1,513 |
| Tier 1 risk-based capital ratio | 24.4924% | 955 |
| Total risk-based capital ratio | 24.8804% | 1,032 |
| Memoranda: | ||
| Average total assets | $15,421,000 | 7,430 |
| Average earning assets | $13,634,670 | 7,416 |
| Average equity | $1,854,330 | 7,373 |
| Average total loans | $10,573,000 | 7,238 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 4,519 |
| Cost of funding earning assets | 1.2849% | 2,274 |
| Net interest margin | 3.4166% | 5,363 |
| Noninterest income to average assets | 0.0523% | 7,125 |
| Noninterest expense to average assets | 2.1167% | 6,595 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7317% | 3,368 |
| Return on assets (ROA) | 0.7317% | 3,436 |
| Pretax return on assets | 0.9930% | 3,156 |
| Return on Equity (ROE) | 6.1035% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.1035% | 2,574 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0672% | 4,642 |
| Assets per employee ($millions) | 5.1747% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2770% | 7,415 |
| Loan loss allowance to noncurrent loans | 18.9873% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 4,870 |
| Noncurrent loans to loans | 1.4590% | 4,277 |
| Net loans and leases to total assets | 69.5633% | 2,208 |
| Net loans and leases to deposits | 79.0267% | 2,887 |
| Net loans and leases to core deposits | 79.0267% | 3,877 |
| Total domestic deposits to total assets | 88.0250% | 2,359 |
| Equity capital to assets | 11.9106% | 1,974 |
| Core capital (leverage) ratio | 12.1026% | 1,507 |
| Tier 1 risk-based capital ratio | 22.9614% | 1,087 |
| Total risk-based capital ratio | 23.3337% | 1,192 |
| Memoranda: | ||
| Average total assets | $15,306,500 | 7,490 |
| Average earning assets | $13,698,000 | 7,476 |
| Average equity | $1,835,000 | 7,427 |
| Average total loans | $10,725,500 | 7,292 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 5,662 |
| Cost of funding earning assets | 1.6285% | 1,915 |
| Net interest margin | 3.1090% | 6,504 |
| Noninterest income to average assets | 0.0388% | 7,163 |
| Noninterest expense to average assets | 2.0246% | 6,978 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7115% | 3,191 |
| Return on assets (ROA) | 0.7115% | 3,319 |
| Pretax return on assets | 0.7309% | 3,867 |
| Return on Equity (ROE) | 6.2217% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.2217% | 1,707 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4742% | 3,492 |
| Assets per employee ($millions) | 5.0297% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2824% | 7,491 |
| Loan loss allowance to noncurrent loans | 19.1083% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 4,919 |
| Noncurrent loans to loans | 1.4781% | 4,266 |
| Net loans and leases to total assets | 70.1968% | 2,497 |
| Net loans and leases to deposits | 79.9155% | 3,188 |
| Net loans and leases to core deposits | 79.9155% | 4,234 |
| Total domestic deposits to total assets | 87.8388% | 2,348 |
| Equity capital to assets | 12.0684% | 1,874 |
| Core capital (leverage) ratio | 11.9366% | 1,598 |
| Tier 1 risk-based capital ratio | 23.2576% | 1,002 |
| Total risk-based capital ratio | 23.6405% | 1,105 |
| Memoranda: | ||
| Average total assets | $15,460,000 | 7,564 |
| Average earning assets | $13,509,000 | 7,555 |
| Average equity | $1,768,000 | 7,545 |
| Average total loans | $10,293,000 | 7,378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 5,928 |
| Cost of funding earning assets | 1.6805% | 1,964 |
| Net interest margin | 3.0447% | 6,742 |
| Noninterest income to average assets | 0.0343% | 7,351 |
| Noninterest expense to average assets | 1.8860% | 7,224 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7630% | 3,167 |
| Return on assets (ROA) | 0.7630% | 3,322 |
| Pretax return on assets | 0.7887% | 3,954 |
| Return on Equity (ROE) | 6.7622% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.7622% | 1,963 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5128% | 3,967 |
| Assets per employee ($millions) | 5.1927% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2911% | 7,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 65.9584% | 3,698 |
| Net loans and leases to deposits | 74.6404% | 4,409 |
| Net loans and leases to core deposits | 74.6404% | 5,211 |
| Total domestic deposits to total assets | 88.3682% | 1,750 |
| Equity capital to assets | 11.5548% | 2,490 |
| Core capital (leverage) ratio | 11.6918% | 1,825 |
| Tier 1 risk-based capital ratio | 23.2237% | 1,034 |
| Total risk-based capital ratio | 23.6106% | 1,126 |
| Memoranda: | ||
| Average total assets | $15,552,750 | 7,656 |
| Average earning assets | $13,487,750 | 7,654 |
| Average equity | $1,754,750 | 7,644 |
| Average total loans | $10,210,750 | 7,483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 6,038 |
| Cost of funding earning assets | 1.7313% | 1,959 |
| Net interest margin | 3.0000% | 6,824 |
| Noninterest income to average assets | 0.0386% | 7,389 |
| Noninterest expense to average assets | 1.8528% | 7,329 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7334% | 3,263 |
| Return on assets (ROA) | 0.7334% | 3,413 |
| Pretax return on assets | 0.7720% | 3,977 |
| Return on Equity (ROE) | 6.5530% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.5530% | 2,053 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 4,062 |
| Assets per employee ($millions) | 5.1563% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2900% | 7,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.6753% | 3,693 |
| Net loans and leases to deposits | 75.3452% | 4,449 |
| Net loans and leases to core deposits | 75.3452% | 5,271 |
| Total domestic deposits to total assets | 88.4931% | 1,733 |
| Equity capital to assets | 11.4228% | 2,502 |
| Core capital (leverage) ratio | 11.3391% | 2,016 |
| Tier 1 risk-based capital ratio | 22.5395% | 1,118 |
| Total risk-based capital ratio | 22.9220% | 1,224 |
| Memoranda: | ||
| Average total assets | $15,544,330 | 7,721 |
| Average earning assets | $13,400,000 | 7,719 |
| Average equity | $1,739,670 | 7,709 |
| Average total loans | $10,179,330 | 7,545 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 6,339 |
| Cost of funding earning assets | 1.7560% | 2,099 |
| Net interest margin | 2.9167% | 6,989 |
| Noninterest income to average assets | 0.0257% | 7,580 |
| Noninterest expense to average assets | 1.8740% | 7,373 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6674% | 3,582 |
| Return on assets (ROA) | 0.6674% | 3,694 |
| Pretax return on assets | 0.6674% | 4,344 |
| Return on Equity (ROE) | 6.0255% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.0255% | 2,611 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7374% | 3,613 |
| Assets per employee ($millions) | 5.2643% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2949% | 7,758 |
| 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 | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.2310% | 4,285 |
| Net loans and leases to deposits | 72.2353% | 5,020 |
| Net loans and leases to core deposits | 72.2353% | 5,686 |
| Total domestic deposits to total assets | 88.9191% | 1,558 |
| Equity capital to assets | 11.0112% | 2,748 |
| Core capital (leverage) ratio | 11.3055% | 2,030 |
| Tier 1 risk-based capital ratio | 24.9033% | 879 |
| Total risk-based capital ratio | 25.3331% | 940 |
| Memoranda: | ||
| Average total assets | $15,582,000 | 7,822 |
| Average earning assets | $13,440,000 | 7,819 |
| Average equity | $1,726,000 | 7,800 |
| Average total loans | $10,097,000 | 7,647 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 7,119 |
| Cost of funding earning assets | 2.3045% | 1,637 |
| Net interest margin | 2.4083% | 7,505 |
| Noninterest income to average assets | 0.0258% | 7,606 |
| Noninterest expense to average assets | 2.1957% | 7,003 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0775% | 5,272 |
| Return on assets (ROA) | 0.0775% | 5,315 |
| Pretax return on assets | 0.0775% | 5,263 |
| Return on Equity (ROE) | 0.7036% | 5,327 |
| Retained earnings to average equity (ytd only) | 0.7036% | 4,514 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5909% | 1,288 |
| Assets per employee ($millions) | 3.8428% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2994% | 7,828 |
| 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 | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.9925% | 4,375 |
| Net loans and leases to deposits | 73.2244% | 5,161 |
| Net loans and leases to core deposits | 87.3939% | 5,399 |
| Total domestic deposits to total assets | 88.7581% | 1,595 |
| Equity capital to assets | 11.1444% | 2,586 |
| Core capital (leverage) ratio | 10.9575% | 2,250 |
| Tier 1 risk-based capital ratio | 25.4119% | 805 |
| Total risk-based capital ratio | 25.8720% | 860 |
| Memoranda: | ||
| Average total assets | $15,485,000 | 7,885 |
| Average earning assets | $14,450,000 | 7,860 |
| Average equity | $1,705,400 | 7,892 |
| Average total loans | $10,224,400 | 7,699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 7,312 |
| Cost of funding earning assets | 2.3854% | 1,682 |
| Net interest margin | 2.2946% | 7,648 |
| Noninterest income to average assets | 0.0258% | 7,743 |
| Noninterest expense to average assets | 2.0197% | 7,347 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1805% | 5,220 |
| Return on assets (ROA) | 0.1805% | 5,285 |
| Pretax return on assets | 0.1805% | 5,336 |
| Return on Equity (ROE) | 1.6437% | 5,289 |
| Retained earnings to average equity (ytd only) | 1.6437% | 4,396 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7969% | 1,555 |
| Assets per employee ($millions) | 5.2330% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2948% | 7,911 |
| 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 | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.6411% | 4,727 |
| Net loans and leases to deposits | 72.6310% | 5,562 |
| Net loans and leases to core deposits | 88.5438% | 5,586 |
| Total domestic deposits to total assets | 88.9993% | 1,196 |
| Equity capital to assets | 10.9752% | 3,031 |
| Core capital (leverage) ratio | 11.0313% | 2,386 |
| Tier 1 risk-based capital ratio | 25.1168% | 883 |
| Total risk-based capital ratio | 25.5695% | 949 |
| Memoranda: | ||
| Average total assets | $15,513,500 | 7,965 |
| Average earning assets | $14,700,500 | 7,932 |
| Average equity | $1,703,500 | 7,977 |
| Average total loans | $10,275,500 | 7,766 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 7,383 |
| Cost of funding earning assets | 2.5285% | 1,512 |
| Net interest margin | 2.1769% | 7,764 |
| Noninterest income to average assets | 0.0259% | 7,849 |
| Noninterest expense to average assets | 2.0710% | 7,330 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | 0.0388% | 5,797 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1595% | 1,260 |
| Assets per employee ($millions) | 5.2173% | 1,842 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2964% | 7,990 |
| 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 | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.4838% | 4,878 |
| Net loans and leases to deposits | 72.3772% | 5,691 |
| Net loans and leases to core deposits | 87.1965% | 5,794 |
| Total domestic deposits to total assets | 89.0940% | 1,223 |
| Equity capital to assets | 10.8548% | 3,053 |
| Core capital (leverage) ratio | 10.8994% | 2,484 |
| Tier 1 risk-based capital ratio | 24.4285% | 985 |
| Total risk-based capital ratio | 24.8598% | 1,055 |
| Memoranda: | ||
| Average total assets | $15,451,670 | 8,057 |
| Average earning assets | $14,791,670 | 8,010 |
| Average equity | $1,697,000 | 8,057 |
| Average total loans | $10,308,000 | 7,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 7,415 |
| Cost of funding earning assets | 2.6823% | 1,318 |
| Net interest margin | 2.0862% | 7,856 |
| Noninterest income to average assets | 0.0261% | 7,948 |
| Noninterest expense to average assets | 2.1887% | 6,900 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1563% | 6,489 |
| Return on assets (ROA) | -0.1563% | 6,593 |
| Pretax return on assets | -0.1563% | 6,523 |
| Return on Equity (ROE) | -1.4151% | 6,601 |
| Retained earnings to average equity (ytd only) | -1.4151% | 5,982 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6923% | 874 |
| Assets per employee ($millions) | 5.1203% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2903% | 8,037 |
| 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 | 0.0000% | 7,590 |
| Net loans and leases to total assets | 67.0790% | 4,324 |
| Net loans and leases to deposits | 75.4098% | 5,299 |
| Net loans and leases to core deposits | 89.5144% | 5,604 |
| Total domestic deposits to total assets | 88.9525% | 1,249 |
| Equity capital to assets | 11.0214% | 2,942 |
| Core capital (leverage) ratio | 10.9971% | 2,498 |
| Tier 1 risk-based capital ratio | 24.5043% | 1,022 |
| Total risk-based capital ratio | 24.9385% | 1,094 |
| Memoranda: | ||
| Average total assets | $15,351,500 | 8,107 |
| Average earning assets | $14,763,500 | 8,064 |
| Average equity | $1,696,000 | 8,115 |
| Average total loans | $10,400,500 | 7,889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 7,832 |
| Cost of funding earning assets | 3.3440% | 822 |
| Net interest margin | 1.6620% | 8,162 |
| Noninterest income to average assets | 0.0321% | 7,974 |
| Noninterest expense to average assets | 2.1202% | 7,189 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.5268% | 6,938 |
| Return on assets (ROA) | -0.5268% | 6,818 |
| Pretax return on assets | -0.4883% | 6,644 |
| Return on Equity (ROE) | -4.6124% | 6,821 |
| Retained earnings to average equity (ytd only) | -4.6124% | 6,440 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.9213% | 466 |
| Assets per employee ($millions) | 5.1140% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 8,093 |
| 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 | 0.0000% | 7,569 |
| Net loans and leases to total assets | 68.0289% | 4,459 |
| Net loans and leases to deposits | 76.5457% | 5,524 |
| Net loans and leases to core deposits | 89.9974% | 5,798 |
| Total domestic deposits to total assets | 88.8737% | 1,095 |
| Equity capital to assets | 11.0742% | 2,975 |
| Core capital (leverage) ratio | 10.8994% | 2,670 |
| Tier 1 risk-based capital ratio | 24.7776% | 1,003 |
| Total risk-based capital ratio | 25.2151% | 1,066 |
| Memoranda: | ||
| Average total assets | $15,564,400 | 8,150 |
| Average earning assets | $14,982,000 | 8,107 |
| Average equity | $1,777,800 | 8,165 |
| Average total loans | $10,031,000 | 7,938 |