Home > Interstate Federal Savings and Loan Association of McGregor > Performance and Condition Ratios
Interstate Federal Savings and Loan Association of McGregor, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 3,732 |
| Cost of funding earning assets | 1.3218% | 2,455 |
| Net interest margin | 2.8218% | 3,619 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 4.0750% | 344 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | -1.2340% | 4,541 |
| Return on assets (ROA) | -1.2340% | 4,534 |
| Pretax return on assets | -1.2340% | 4,531 |
| Return on Equity (ROE) | -5.0500% | 4,471 |
| Retained earnings to average equity (ytd only) | -5.0541% | 4,393 |
| 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 | 145.6410% | 47 |
| Assets per employee ($millions) | 3.4680% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 1,638 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.2300% | 327 |
| Net loans and leases to deposits | 110.8913% | 182 |
| Net loans and leases to core deposits | 116.6970% | 727 |
| Total domestic deposits to total assets | 75.0600% | 4,025 |
| Equity capital to assets | 23.8033% | 211 |
| Core capital (leverage) ratio | 23.1356% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8610% | 129 |
| Memoranda: | ||
| Average total assets | $6,969,400 | 4,577 |
| Average earning assets | $6,733,400 | 4,532 |
| Average equity | $1,701,600 | 4,503 |
| Average total loans | $5,488,200 | 4,459 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,713 |
| Cost of funding earning assets | 1.2045% | 2,418 |
| Net interest margin | 2.8631% | 3,610 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 4.0318% | 353 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | -1.1274% | 4,574 |
| Return on assets (ROA) | -1.1274% | 4,569 |
| Pretax return on assets | -1.1274% | 4,561 |
| Return on Equity (ROE) | -4.5900% | 4,498 |
| Retained earnings to average equity (ytd only) | -4.5889% | 4,416 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 141.6107% | 49 |
| Assets per employee ($millions) | 3.3820% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,587 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.1000% | 356 |
| Net loans and leases to deposits | 111.8384% | 170 |
| Net loans and leases to core deposits | 117.8407% | 612 |
| Total domestic deposits to total assets | 74.3100% | 4,137 |
| Equity capital to assets | 24.8078% | 201 |
| Core capital (leverage) ratio | 24.2074% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.8506% | 128 |
| Memoranda: | ||
| Average total assets | $6,977,750 | 4,599 |
| Average earning assets | $6,752,500 | 4,558 |
| Average equity | $1,714,250 | 4,530 |
| Average total loans | $5,397,500 | 4,483 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 3,777 |
| Cost of funding earning assets | 0.9962% | 2,614 |
| Net interest margin | 2.9593% | 3,546 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 3.6885% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.7377% | 4,583 |
| Return on assets (ROA) | -0.7377% | 4,578 |
| Pretax return on assets | -0.7377% | 4,571 |
| Return on Equity (ROE) | -3.0100% | 4,512 |
| Retained earnings to average equity (ytd only) | -3.0122% | 4,346 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 125.0000% | 64 |
| Assets per employee ($millions) | 3.5240% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,148 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.9400% | 1,171 |
| Net loans and leases to deposits | 99.9054% | 517 |
| Net loans and leases to core deposits | 111.5994% | 761 |
| Total domestic deposits to total assets | 75.0100% | 4,117 |
| Equity capital to assets | 24.2764% | 204 |
| Core capital (leverage) ratio | 23.5985% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3091% | 104 |
| Memoranda: | ||
| Average total assets | $7,049,000 | 4,623 |
| Average earning assets | $6,826,000 | 4,583 |
| Average equity | $1,726,333 | 4,561 |
| Average total loans | $5,297,000 | 4,514 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 3,834 |
| Cost of funding earning assets | 0.7627% | 2,864 |
| Net interest margin | 3.0510% | 3,462 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 3.4045% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.3972% | 4,578 |
| Return on assets (ROA) | -0.3972% | 4,567 |
| Pretax return on assets | -0.3972% | 4,555 |
| Return on Equity (ROE) | -1.6100% | 4,502 |
| Retained earnings to average equity (ytd only) | -1.6148% | 4,187 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 113.2075% | 90 |
| Assets per employee ($millions) | 3.6220% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,095 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.4700% | 1,475 |
| Net loans and leases to deposits | 94.5744% | 751 |
| Net loans and leases to core deposits | 105.1595% | 870 |
| Total domestic deposits to total assets | 75.5700% | 4,185 |
| Equity capital to assets | 23.8680% | 168 |
| Core capital (leverage) ratio | 23.8533% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7340% | 107 |
| Memoranda: | ||
| Average total assets | $7,049,500 | 4,684 |
| Average earning assets | $6,817,500 | 4,652 |
| Average equity | $1,734,000 | 4,627 |
| Average total loans | $5,264,000 | 4,585 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 3,461 |
| Cost of funding earning assets | 0.2265% | 3,536 |
| Net interest margin | 3.1289% | 3,089 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 3.0811% | 858 |
| Loan and lease loss provision to assets | -0.3400% | 4,676 |
| Net operating income to assets | 0.1836% | 4,459 |
| Return on assets (ROA) | 0.1836% | 4,441 |
| Pretax return on assets | 0.2360% | 4,416 |
| Return on Equity (ROE) | 0.8200% | 4,502 |
| Retained earnings to average equity (ytd only) | 0.8154% | 4,231 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 103.5242% | 127 |
| Assets per employee ($millions) | 3.4275% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.7100% | 1,034 |
| Net loans and leases to deposits | 102.4275% | 351 |
| Net loans and leases to core deposits | 102.4275% | 878 |
| Total domestic deposits to total assets | 73.9200% | 4,360 |
| Equity capital to assets | 25.3683% | 145 |
| Core capital (leverage) ratio | 23.3182% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.8943% | 92 |
| Memoranda: | ||
| Average total assets | $7,627,200 | 4,714 |
| Average earning assets | $7,063,200 | 4,688 |
| Average equity | $1,717,000 | 4,690 |
| Average total loans | $5,250,000 | 4,619 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1982% | 3,442 |
| Cost of funding earning assets | 0.2045% | 3,216 |
| Net interest margin | 2.9937% | 3,233 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 3.1371% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.3239% | 4,660 |
| Return on assets (ROA) | -0.3239% | 4,641 |
| Pretax return on assets | -0.3239% | 4,639 |
| Return on Equity (ROE) | -1.4800% | 4,605 |
| Retained earnings to average equity (ytd only) | -1.4801% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 111.5152% | 90 |
| Assets per employee ($millions) | 3.6615% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 501 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.0400% | 1,474 |
| Net loans and leases to deposits | 91.9835% | 766 |
| Net loans and leases to core deposits | 91.9835% | 1,181 |
| Total domestic deposits to total assets | 76.1400% | 4,362 |
| Equity capital to assets | 23.2965% | 159 |
| Core capital (leverage) ratio | 22.1362% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7034% | 95 |
| Memoranda: | ||
| Average total assets | $7,820,250 | 4,753 |
| Average earning assets | $7,170,500 | 4,727 |
| Average equity | $1,711,500 | 4,728 |
| Average total loans | $5,245,250 | 4,657 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1403% | 3,205 |
| Cost of funding earning assets | 0.2223% | 2,618 |
| Net interest margin | 2.9180% | 3,119 |
| Noninterest income to average assets | 0.0751% | 4,571 |
| Noninterest expense to average assets | 3.1555% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.4508% | 4,678 |
| Return on assets (ROA) | -0.4508% | 4,658 |
| Pretax return on assets | -0.4508% | 4,645 |
| Return on Equity (ROE) | -2.1012% | 4,619 |
| Retained earnings to average equity (ytd only) | -2.1012% | 4,391 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6667% | 88 |
| Assets per employee ($millions) | 3.9555% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9977% | 554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.1119% | 1,800 |
| Net loans and leases to deposits | 83.5659% | 1,151 |
| Net loans and leases to core deposits | 87.2016% | 1,260 |
| Total domestic deposits to total assets | 77.9168% | 4,356 |
| Equity capital to assets | 21.5776% | 136 |
| Core capital (leverage) ratio | 21.2067% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.4540% | 57 |
| Memoranda: | ||
| Average total assets | $7,986,000 | 4,777 |
| Average earning assets | $7,196,667 | 4,764 |
| Average equity | $1,713,333 | 4,753 |
| Average total loans | $5,249,000 | 4,720 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0152% | 3,211 |
| Cost of funding earning assets | 0.2276% | 2,435 |
| Net interest margin | 2.7877% | 3,178 |
| Noninterest income to average assets | 0.0499% | 4,658 |
| Noninterest expense to average assets | 3.3402% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.8475% | 4,732 |
| Return on assets (ROA) | -0.8475% | 4,727 |
| Pretax return on assets | -0.8475% | 4,720 |
| Return on Equity (ROE) | -3.9615% | 4,685 |
| Retained earnings to average equity (ytd only) | -3.9615% | 4,371 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.0000% | 65 |
| Assets per employee ($millions) | 2.6377% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.9613% | 1,864 |
| Net loans and leases to deposits | 79.5167% | 1,180 |
| Net loans and leases to core deposits | 82.9751% | 1,297 |
| Total domestic deposits to total assets | 77.9224% | 4,412 |
| Equity capital to assets | 21.5847% | 130 |
| Core capital (leverage) ratio | 21.1870% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.4323% | 61 |
| Memoranda: | ||
| Average total assets | $8,023,500 | 4,801 |
| Average earning assets | $7,031,000 | 4,789 |
| Average equity | $1,716,500 | 4,777 |
| Average total loans | $5,245,500 | 4,748 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3734% | 2,997 |
| Cost of funding earning assets | 0.4838% | 996 |
| Net interest margin | 2.8896% | 3,474 |
| Noninterest income to average assets | 0.0620% | 4,702 |
| Noninterest expense to average assets | 2.9240% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1487% | 4,715 |
| Return on assets (ROA) | -0.1487% | 4,720 |
| Pretax return on assets | -0.1982% | 4,729 |
| Return on Equity (ROE) | -0.6948% | 4,712 |
| Retained earnings to average equity (ytd only) | -0.6948% | 4,565 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2727% | 108 |
| Assets per employee ($millions) | 4.0670% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9150% | 705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 66.1175% | 1,459 |
| Net loans and leases to deposits | 87.4045% | 684 |
| Net loans and leases to core deposits | 91.2144% | 915 |
| Total domestic deposits to total assets | 75.6454% | 4,528 |
| Equity capital to assets | 21.2073% | 148 |
| Core capital (leverage) ratio | 20.7755% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.8239% | 67 |
| Memoranda: | ||
| Average total assets | $8,071,000 | 4,844 |
| Average earning assets | $7,440,600 | 4,832 |
| Average equity | $1,727,200 | 4,824 |
| Average total loans | $5,774,400 | 4,785 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3849% | 3,143 |
| Cost of funding earning assets | 0.5317% | 905 |
| Net interest margin | 2.8532% | 3,646 |
| Noninterest income to average assets | 0.0828% | 4,729 |
| Noninterest expense to average assets | 3.0456% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.3641% | 4,815 |
| Return on assets (ROA) | -0.3641% | 4,823 |
| Pretax return on assets | -0.2979% | 4,815 |
| Return on Equity (ROE) | -1.6977% | 4,800 |
| Retained earnings to average equity (ytd only) | -1.6977% | 4,693 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8434% | 97 |
| Assets per employee ($millions) | 4.0220% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8571% | 828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.9831% | 1,195 |
| Net loans and leases to deposits | 91.7493% | 508 |
| Net loans and leases to core deposits | 95.8211% | 754 |
| Total domestic deposits to total assets | 75.1865% | 4,593 |
| Equity capital to assets | 21.3202% | 148 |
| Core capital (leverage) ratio | 20.6322% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3028% | 77 |
| Memoranda: | ||
| Average total assets | $8,055,250 | 4,919 |
| Average earning assets | $7,523,500 | 4,907 |
| Average equity | $1,727,750 | 4,897 |
| Average total loans | $5,847,250 | 4,853 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 2,932 |
| Cost of funding earning assets | 0.6114% | 709 |
| Net interest margin | 2.8711% | 3,637 |
| Noninterest income to average assets | 0.0745% | 4,777 |
| Noninterest expense to average assets | 2.9532% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.2730% | 4,837 |
| Return on assets (ROA) | -0.2730% | 4,841 |
| Pretax return on assets | -0.1985% | 4,831 |
| Return on Equity (ROE) | -1.2702% | 4,827 |
| Retained earnings to average equity (ytd only) | -1.2702% | 4,627 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2072% | 110 |
| Assets per employee ($millions) | 4.0975% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 68.3466% | 1,409 |
| Net loans and leases to deposits | 90.6898% | 609 |
| Net loans and leases to core deposits | 90.6898% | 1,090 |
| Total domestic deposits to total assets | 75.3630% | 4,596 |
| Equity capital to assets | 21.0616% | 153 |
| Core capital (leverage) ratio | 20.9204% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3356% | 80 |
| Memoranda: | ||
| Average total assets | $8,059,000 | 4,956 |
| Average earning assets | $7,523,333 | 4,944 |
| Average equity | $1,732,000 | 4,933 |
| Average total loans | $5,911,667 | 4,891 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 2,936 |
| Cost of funding earning assets | 0.6356% | 744 |
| Net interest margin | 2.8602% | 3,617 |
| Noninterest income to average assets | 0.0501% | 4,854 |
| Noninterest expense to average assets | 2.9033% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2002% | 4,840 |
| Return on assets (ROA) | -0.2002% | 4,844 |
| Pretax return on assets | -0.1502% | 4,821 |
| Return on Equity (ROE) | -0.9222% | 4,823 |
| Retained earnings to average equity (ytd only) | -0.9222% | 4,457 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4545% | 139 |
| Assets per employee ($millions) | 3.9950% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.5507% | 1,215 |
| Net loans and leases to deposits | 94.7873% | 452 |
| Net loans and leases to core deposits | 94.7873% | 936 |
| Total domestic deposits to total assets | 74.4305% | 4,652 |
| Equity capital to assets | 21.6896% | 131 |
| Core capital (leverage) ratio | 21.2186% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.1012% | 86 |
| Memoranda: | ||
| Average total assets | $7,991,000 | 4,984 |
| Average earning assets | $7,552,000 | 4,969 |
| Average equity | $1,735,000 | 4,958 |
| Average total loans | $6,014,500 | 4,916 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 2,722 |
| Cost of funding earning assets | 0.9969% | 601 |
| Net interest margin | 3.0032% | 3,875 |
| Noninterest income to average assets | 0.0725% | 4,813 |
| Noninterest expense to average assets | 2.9615% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0121% | 4,725 |
| Return on assets (ROA) | 0.0121% | 4,764 |
| Pretax return on assets | -0.0121% | 4,770 |
| Return on Equity (ROE) | 0.0577% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.0577% | 4,500 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4098% | 167 |
| Assets per employee ($millions) | 3.9960% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 77.3524% | 662 |
| Net loans and leases to deposits | 104.3728% | 256 |
| Net loans and leases to core deposits | 104.3728% | 710 |
| Total domestic deposits to total assets | 74.1116% | 4,631 |
| Equity capital to assets | 21.7342% | 144 |
| Core capital (leverage) ratio | 20.8806% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.4663% | 83 |
| Memoranda: | ||
| Average total assets | $8,272,800 | 5,005 |
| Average earning assets | $7,924,800 | 4,990 |
| Average equity | $1,734,600 | 4,980 |
| Average total loans | $6,498,600 | 4,940 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 2,571 |
| Cost of funding earning assets | 1.0713% | 596 |
| Net interest margin | 3.0631% | 3,833 |
| Noninterest income to average assets | 0.0959% | 4,773 |
| Noninterest expense to average assets | 2.9405% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0160% | 4,760 |
| Return on assets (ROA) | 0.0160% | 4,780 |
| Pretax return on assets | 0.0799% | 4,741 |
| Return on Equity (ROE) | 0.0769% | 4,786 |
| Retained earnings to average equity (ytd only) | 0.0769% | 4,464 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3545% | 201 |
| Assets per employee ($millions) | 4.0900% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.0122% | 1,232 |
| Net loans and leases to deposits | 106.9176% | 298 |
| Net loans and leases to core deposits | 106.9176% | 808 |
| Total domestic deposits to total assets | 70.1589% | 4,750 |
| Equity capital to assets | 21.2347% | 168 |
| Core capital (leverage) ratio | 20.8001% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.3741% | 96 |
| Memoranda: | ||
| Average total assets | $8,343,000 | 5,037 |
| Average earning assets | $7,965,500 | 5,022 |
| Average equity | $1,734,000 | 5,012 |
| Average total loans | $6,551,500 | 4,972 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 2,886 |
| Cost of funding earning assets | 1.1457% | 616 |
| Net interest margin | 3.0136% | 4,094 |
| Noninterest income to average assets | 0.0715% | 4,860 |
| Noninterest expense to average assets | 2.9533% | 1,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0715% | 4,819 |
| Return on assets (ROA) | -0.0715% | 4,825 |
| Pretax return on assets | 0.0000% | 4,789 |
| Return on Equity (ROE) | -0.3462% | 4,814 |
| Retained earnings to average equity (ytd only) | -0.3462% | 4,371 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 182 |
| Assets per employee ($millions) | 4.2785% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 1,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.5038% | 917 |
| Net loans and leases to deposits | 116.3713% | 124 |
| Net loans and leases to core deposits | 116.3713% | 525 |
| Total domestic deposits to total assets | 66.6004% | 4,874 |
| Equity capital to assets | 20.2524% | 206 |
| Core capital (leverage) ratio | 20.0808% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8208% | 121 |
| Memoranda: | ||
| Average total assets | $8,397,333 | 5,069 |
| Average earning assets | $8,030,333 | 5,055 |
| Average equity | $1,733,000 | 5,045 |
| Average total loans | $6,655,000 | 5,004 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,345 |
| Cost of funding earning assets | 1.1537% | 895 |
| Net interest margin | 3.0096% | 4,264 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 3.0298% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1924% | 4,847 |
| Return on assets (ROA) | -0.1924% | 4,822 |
| Pretax return on assets | -0.1443% | 4,788 |
| Return on Equity (ROE) | -0.9233% | 4,796 |
| Retained earnings to average equity (ytd only) | -0.9233% | 4,128 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0000% | 186 |
| Assets per employee ($millions) | 4.2260% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.9049% | 1,150 |
| Net loans and leases to deposits | 116.3832% | 113 |
| Net loans and leases to core deposits | 116.3832% | 577 |
| Total domestic deposits to total assets | 66.0790% | 4,960 |
| Equity capital to assets | 20.4922% | 222 |
| Core capital (leverage) ratio | 20.2930% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3226% | 131 |
| Memoranda: | ||
| Average total assets | $8,317,500 | 5,119 |
| Average earning assets | $7,974,500 | 5,105 |
| Average equity | $1,733,000 | 5,092 |
| Average total loans | $6,614,000 | 5,049 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,984 |
| Cost of funding earning assets | 1.0644% | 1,451 |
| Net interest margin | 3.0634% | 4,428 |
| Noninterest income to average assets | 0.0629% | 5,006 |
| Noninterest expense to average assets | 3.0804% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.0503% | 4,988 |
| Return on assets (ROA) | -0.0503% | 5,002 |
| Pretax return on assets | -0.0503% | 4,991 |
| Return on Equity (ROE) | -0.2307% | 4,999 |
| Retained earnings to average equity (ytd only) | -0.2307% | 4,733 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6598% | 146 |
| Assets per employee ($millions) | 4.0915% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.6529% | 833 |
| Net loans and leases to deposits | 110.1014% | 186 |
| Net loans and leases to core deposits | 110.1014% | 846 |
| Total domestic deposits to total assets | 72.3451% | 4,857 |
| Equity capital to assets | 21.1903% | 204 |
| Core capital (leverage) ratio | 21.6265% | 182 |
| Tier 1 risk-based capital ratio | 42.8319% | 200 |
| Total risk-based capital ratio | 44.0961% | 194 |
| Memoranda: | ||
| Average total assets | $7,953,600 | 5,179 |
| Average earning assets | $7,703,800 | 5,166 |
| Average equity | $1,734,200 | 5,150 |
| Average total loans | $6,290,200 | 5,115 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 4,017 |
| Cost of funding earning assets | 1.0790% | 1,433 |
| Net interest margin | 3.0804% | 4,507 |
| Noninterest income to average assets | 0.0675% | 5,074 |
| Noninterest expense to average assets | 3.0731% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.0845% | 5,084 |
| Return on assets (ROA) | -0.0845% | 5,093 |
| Pretax return on assets | -0.0170% | 5,073 |
| Return on Equity (ROE) | -0.3846% | 5,081 |
| Retained earnings to average equity (ytd only) | -0.3846% | 4,801 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5525% | 146 |
| Assets per employee ($millions) | 3.9175% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.0517% | 1,305 |
| Net loans and leases to deposits | 101.9936% | 506 |
| Net loans and leases to core deposits | 101.9936% | 1,501 |
| Total domestic deposits to total assets | 75.5456% | 4,689 |
| Equity capital to assets | 22.1315% | 180 |
| Core capital (leverage) ratio | 21.3458% | 185 |
| Tier 1 risk-based capital ratio | 48.0023% | 149 |
| Total risk-based capital ratio | 49.2491% | 149 |
| Memoranda: | ||
| Average total assets | $7,896,250 | 5,259 |
| Average earning assets | $7,661,000 | 5,243 |
| Average equity | $1,734,250 | 5,227 |
| Average total loans | $6,207,000 | 5,196 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 4,130 |
| Cost of funding earning assets | 1.0411% | 1,529 |
| Net interest margin | 3.0713% | 4,583 |
| Noninterest income to average assets | 0.0505% | 5,165 |
| Noninterest expense to average assets | 3.1326% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.1516% | 5,140 |
| Return on assets (ROA) | -0.1516% | 5,143 |
| Pretax return on assets | -0.1011% | 5,132 |
| Return on Equity (ROE) | -0.6919% | 5,133 |
| Retained earnings to average equity (ytd only) | -0.6919% | 4,787 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3333% | 138 |
| Assets per employee ($millions) | 3.9860% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.8440% | 1,410 |
| Net loans and leases to deposits | 101.4406% | 578 |
| Net loans and leases to core deposits | 101.4406% | 1,599 |
| Total domestic deposits to total assets | 75.7526% | 4,698 |
| Equity capital to assets | 21.7260% | 184 |
| Core capital (leverage) ratio | 21.4421% | 179 |
| Tier 1 risk-based capital ratio | 47.0523% | 157 |
| Total risk-based capital ratio | 48.3037% | 153 |
| Memoranda: | ||
| Average total assets | $7,916,670 | 5,306 |
| Average earning assets | $7,684,000 | 5,290 |
| Average equity | $1,734,330 | 5,273 |
| Average total loans | $6,228,670 | 5,244 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 4,184 |
| Cost of funding earning assets | 0.9937% | 1,591 |
| Net interest margin | 3.0856% | 4,610 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 3.1943% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2535% | 5,215 |
| Return on assets (ROA) | -0.2535% | 5,213 |
| Pretax return on assets | -0.2028% | 5,197 |
| Return on Equity (ROE) | -1.1524% | 5,193 |
| Retained earnings to average equity (ytd only) | -1.1524% | 4,669 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7797% | 122 |
| Assets per employee ($millions) | 3.9495% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.1617% | 1,298 |
| Net loans and leases to deposits | 102.0596% | 495 |
| Net loans and leases to core deposits | 102.0596% | 1,459 |
| Total domestic deposits to total assets | 75.6045% | 4,804 |
| Equity capital to assets | 21.9395% | 175 |
| Core capital (leverage) ratio | 21.5779% | 181 |
| Tier 1 risk-based capital ratio | 50.0888% | 130 |
| Total risk-based capital ratio | 51.3609% | 126 |
| Memoranda: | ||
| Average total assets | $7,889,000 | 5,363 |
| Average earning assets | $7,648,500 | 5,348 |
| Average equity | $1,735,500 | 5,329 |
| Average total loans | $6,227,500 | 5,304 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 4,009 |
| Cost of funding earning assets | 0.8119% | 1,467 |
| Net interest margin | 3.1952% | 4,495 |
| Noninterest income to average assets | 0.0507% | 5,271 |
| Noninterest expense to average assets | 3.0030% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1014% | 5,180 |
| Return on assets (ROA) | 0.1014% | 5,174 |
| Pretax return on assets | 0.1394% | 5,154 |
| Return on Equity (ROE) | 0.4616% | 5,200 |
| Retained earnings to average equity (ytd only) | 0.4616% | 4,859 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5645% | 219 |
| Assets per employee ($millions) | 3.9395% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.0556% | 1,262 |
| Net loans and leases to deposits | 103.4657% | 511 |
| Net loans and leases to core deposits | 103.4657% | 1,459 |
| Total domestic deposits to total assets | 75.4410% | 4,823 |
| Equity capital to assets | 22.0586% | 170 |
| Core capital (leverage) ratio | 21.9040% | 168 |
| Tier 1 risk-based capital ratio | 50.1181% | 133 |
| Total risk-based capital ratio | 51.3872% | 129 |
| Memoranda: | ||
| Average total assets | $7,892,000 | 5,407 |
| Average earning assets | $7,636,400 | 5,393 |
| Average equity | $1,733,200 | 5,373 |
| Average total loans | $5,952,000 | 5,347 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,992 |
| Cost of funding earning assets | 0.7852% | 1,406 |
| Net interest margin | 3.1930% | 4,524 |
| Noninterest income to average assets | 0.0675% | 5,302 |
| Noninterest expense to average assets | 2.9722% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1013% | 5,254 |
| Return on assets (ROA) | 0.1013% | 5,247 |
| Pretax return on assets | 0.1858% | 5,208 |
| Return on Equity (ROE) | 0.4619% | 5,270 |
| Retained earnings to average equity (ytd only) | 0.4619% | 4,956 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 240 |
| Assets per employee ($millions) | 3.9015% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.4197% | 1,748 |
| Net loans and leases to deposits | 100.3068% | 759 |
| Net loans and leases to core deposits | 100.3068% | 1,764 |
| Total domestic deposits to total assets | 75.1890% | 4,864 |
| Equity capital to assets | 22.2479% | 155 |
| Core capital (leverage) ratio | 21.6509% | 173 |
| Tier 1 risk-based capital ratio | 53.2977% | 118 |
| Total risk-based capital ratio | 54.5540% | 114 |
| Memoranda: | ||
| Average total assets | $7,895,250 | 5,479 |
| Average earning assets | $7,641,500 | 5,464 |
| Average equity | $1,732,000 | 5,444 |
| Average total loans | $5,876,250 | 5,419 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 3,950 |
| Cost of funding earning assets | 0.7569% | 1,340 |
| Net interest margin | 3.1841% | 4,543 |
| Noninterest income to average assets | 0.0505% | 5,398 |
| Noninterest expense to average assets | 2.9775% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0505% | 5,318 |
| Return on assets (ROA) | 0.0505% | 5,311 |
| Pretax return on assets | 0.1514% | 5,273 |
| Return on Equity (ROE) | 0.2311% | 5,322 |
| Retained earnings to average equity (ytd only) | 0.2311% | 4,916 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1613% | 235 |
| Assets per employee ($millions) | 3.9630% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.6596% | 2,175 |
| Net loans and leases to deposits | 96.3366% | 1,108 |
| Net loans and leases to core deposits | 96.3366% | 2,032 |
| Total domestic deposits to total assets | 75.4227% | 4,913 |
| Equity capital to assets | 21.8521% | 170 |
| Core capital (leverage) ratio | 21.7330% | 169 |
| Tier 1 risk-based capital ratio | 52.5613% | 118 |
| Total risk-based capital ratio | 53.8342% | 117 |
| Memoranda: | ||
| Average total assets | $7,926,000 | 5,543 |
| Average earning assets | $7,663,000 | 5,527 |
| Average equity | $1,730,670 | 5,507 |
| Average total loans | $5,838,330 | 5,482 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 3,870 |
| Cost of funding earning assets | 0.7321% | 1,274 |
| Net interest margin | 3.1898% | 4,499 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 2.9775% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0000% | 5,387 |
| Return on assets (ROA) | 0.0000% | 5,384 |
| Pretax return on assets | 0.1009% | 5,337 |
| Return on Equity (ROE) | 0.0000% | 5,384 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,803 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7213% | 236 |
| Assets per employee ($millions) | 3.9295% | 4,101 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8213% | 751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.0193% | 2,167 |
| Net loans and leases to deposits | 95.5758% | 1,077 |
| Net loans and leases to core deposits | 95.5758% | 2,007 |
| Total domestic deposits to total assets | 75.3531% | 5,036 |
| Equity capital to assets | 22.0130% | 155 |
| Core capital (leverage) ratio | 21.5689% | 166 |
| Tier 1 risk-based capital ratio | 53.8535% | 108 |
| Total risk-based capital ratio | 55.1274% | 108 |
| Memoranda: | ||
| Average total assets | $7,926,000 | 5,606 |
| Average earning assets | $7,649,500 | 5,590 |
| Average equity | $1,730,000 | 5,568 |
| Average total loans | $5,825,500 | 5,545 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 3,185 |
| Cost of funding earning assets | 0.6427% | 1,340 |
| Net interest margin | 3.4234% | 3,773 |
| Noninterest income to average assets | 0.0882% | 5,436 |
| Noninterest expense to average assets | 2.9868% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3277% | 4,881 |
| Return on assets (ROA) | 0.3277% | 4,899 |
| Pretax return on assets | 0.3907% | 5,101 |
| Return on Equity (ROE) | 1.5123% | 5,154 |
| Retained earnings to average equity (ytd only) | 1.5123% | 4,397 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4328% | 506 |
| Assets per employee ($millions) | 3.9965% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.3258% | 2,175 |
| Net loans and leases to deposits | 95.5064% | 1,129 |
| Net loans and leases to core deposits | 97.0944% | 1,935 |
| Total domestic deposits to total assets | 75.7288% | 5,009 |
| Equity capital to assets | 21.6439% | 161 |
| Core capital (leverage) ratio | 21.4349% | 159 |
| Tier 1 risk-based capital ratio | 52.7449% | 109 |
| Total risk-based capital ratio | 53.9925% | 108 |
| Memoranda: | ||
| Average total assets | $7,934,800 | 5,670 |
| Average earning assets | $7,624,000 | 5,656 |
| Average equity | $1,719,200 | 5,632 |
| Average total loans | $6,201,200 | 5,604 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 3,037 |
| Cost of funding earning assets | 0.6312% | 1,348 |
| Net interest margin | 3.4542% | 3,663 |
| Noninterest income to average assets | 0.1010% | 5,476 |
| Noninterest expense to average assets | 2.9123% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4208% | 4,955 |
| Return on assets (ROA) | 0.4208% | 4,982 |
| Pretax return on assets | 0.5050% | 5,018 |
| Return on Equity (ROE) | 1.9417% | 5,320 |
| Retained earnings to average equity (ytd only) | 1.9417% | 4,661 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2217% | 671 |
| Assets per employee ($millions) | 3.9625% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 74.8644% | 1,781 |
| Net loans and leases to deposits | 99.2306% | 800 |
| Net loans and leases to core deposits | 100.9014% | 1,632 |
| Total domestic deposits to total assets | 75.4448% | 5,079 |
| Equity capital to assets | 21.8297% | 161 |
| Core capital (leverage) ratio | 21.7084% | 150 |
| Tier 1 risk-based capital ratio | 52.7795% | 111 |
| Total risk-based capital ratio | 54.0287% | 110 |
| Memoranda: | ||
| Average total assets | $7,920,250 | 5,737 |
| Average earning assets | $7,604,000 | 5,721 |
| Average equity | $1,716,500 | 5,697 |
| Average total loans | $6,280,000 | 5,667 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 3,286 |
| Cost of funding earning assets | 0.6283% | 1,282 |
| Net interest margin | 3.3508% | 3,943 |
| Noninterest income to average assets | 0.1010% | 5,513 |
| Noninterest expense to average assets | 2.9045% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3536% | 5,086 |
| Return on assets (ROA) | 0.3536% | 5,109 |
| Pretax return on assets | 0.4294% | 5,118 |
| Return on Equity (ROE) | 1.6355% | 5,392 |
| Retained earnings to average equity (ytd only) | 1.6355% | 4,601 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1212% | 598 |
| Assets per employee ($millions) | 3.9945% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 1,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 77.8696% | 1,264 |
| Net loans and leases to deposits | 106.6518% | 377 |
| Net loans and leases to core deposits | 108.4932% | 1,079 |
| Total domestic deposits to total assets | 73.0129% | 5,386 |
| Equity capital to assets | 21.5046% | 159 |
| Core capital (leverage) ratio | 21.2944% | 157 |
| Tier 1 risk-based capital ratio | 45.9978% | 154 |
| Total risk-based capital ratio | 47.2588% | 154 |
| Memoranda: | ||
| Average total assets | $7,918,670 | 5,787 |
| Average earning assets | $7,640,000 | 5,772 |
| Average equity | $1,712,000 | 5,748 |
| Average total loans | $6,360,670 | 5,714 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 2,606 |
| Cost of funding earning assets | 0.6328% | 1,173 |
| Net interest margin | 3.4803% | 3,351 |
| Noninterest income to average assets | 0.1015% | 5,586 |
| Noninterest expense to average assets | 2.8921% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5074% | 4,569 |
| Return on assets (ROA) | 0.5074% | 4,596 |
| Pretax return on assets | 0.5581% | 4,821 |
| Return on Equity (ROE) | 2.3406% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.3406% | 4,204 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8235% | 986 |
| Assets per employee ($millions) | 3.9315% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 1,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 77.3242% | 1,226 |
| Net loans and leases to deposits | 106.3123% | 313 |
| Net loans and leases to core deposits | 108.1851% | 964 |
| Total domestic deposits to total assets | 72.7331% | 5,504 |
| Equity capital to assets | 21.7983% | 150 |
| Core capital (leverage) ratio | 21.3575% | 155 |
| Tier 1 risk-based capital ratio | 46.3583% | 159 |
| Total risk-based capital ratio | 47.6045% | 159 |
| Memoranda: | ||
| Average total assets | $7,883,500 | 5,856 |
| Average earning assets | $7,585,500 | 5,840 |
| Average equity | $1,709,000 | 5,814 |
| Average total loans | $6,378,000 | 5,780 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 2,492 |
| Cost of funding earning assets | 0.6127% | 1,257 |
| Net interest margin | 3.5852% | 3,124 |
| Noninterest income to average assets | 0.0491% | 5,777 |
| Noninterest expense to average assets | 2.9337% | 2,550 |
| Loan and lease loss provision to assets | 0.0245% | 3,864 |
| Net operating income to assets | 0.3928% | 4,968 |
| Return on assets (ROA) | 0.3928% | 5,048 |
| Pretax return on assets | 0.4664% | 5,095 |
| Return on Equity (ROE) | 1.8930% | 5,425 |
| Retained earnings to average equity (ytd only) | 1.8930% | 4,455 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6631% | 852 |
| Assets per employee ($millions) | 3.9520% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.8067% | 630 |
| Net loans and leases to deposits | 112.1596% | 185 |
| Net loans and leases to core deposits | 114.1193% | 691 |
| Total domestic deposits to total assets | 72.9378% | 5,501 |
| Equity capital to assets | 21.5587% | 161 |
| Core capital (leverage) ratio | 21.2978% | 156 |
| Tier 1 risk-based capital ratio | 45.2174% | 172 |
| Total risk-based capital ratio | 46.4674% | 170 |
| Memoranda: | ||
| Average total assets | $8,146,800 | 5,911 |
| Average earning assets | $7,670,400 | 5,898 |
| Average equity | $1,690,400 | 5,873 |
| Average total loans | $6,602,600 | 5,837 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,500 |
| Cost of funding earning assets | 0.6252% | 1,168 |
| Net interest margin | 3.5777% | 3,168 |
| Noninterest income to average assets | 0.0487% | 5,840 |
| Noninterest expense to average assets | 2.7291% | 3,259 |
| Loan and lease loss provision to assets | 0.0325% | 3,578 |
| Net operating income to assets | 0.4548% | 4,856 |
| Return on assets (ROA) | 0.4548% | 4,939 |
| Pretax return on assets | 0.6336% | 4,787 |
| Return on Equity (ROE) | 2.2128% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.2128% | 4,590 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3828% | 1,397 |
| Assets per employee ($millions) | 3.9690% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 1,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.1887% | 1,010 |
| Net loans and leases to deposits | 108.5290% | 290 |
| Net loans and leases to core deposits | 110.4163% | 887 |
| Total domestic deposits to total assets | 72.9655% | 5,527 |
| Equity capital to assets | 21.4160% | 187 |
| Core capital (leverage) ratio | 20.2888% | 193 |
| Tier 1 risk-based capital ratio | 46.1068% | 167 |
| Total risk-based capital ratio | 47.3582% | 164 |
| Memoranda: | ||
| Average total assets | $8,207,500 | 5,977 |
| Average earning assets | $7,677,000 | 5,964 |
| Average equity | $1,687,000 | 5,940 |
| Average total loans | $6,610,500 | 5,901 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,141 |
| Cost of funding earning assets | 0.6225% | 1,180 |
| Net interest margin | 3.6829% | 2,769 |
| Noninterest income to average assets | 0.0482% | 5,918 |
| Noninterest expense to average assets | 2.6756% | 3,464 |
| Loan and lease loss provision to assets | 0.0482% | 3,187 |
| Net operating income to assets | 0.5785% | 4,359 |
| Return on assets (ROA) | 0.5785% | 4,483 |
| Pretax return on assets | 0.7472% | 4,465 |
| Return on Equity (ROE) | 2.8526% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.8526% | 4,086 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0833% | 1,917 |
| Assets per employee ($millions) | 4.1610% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 1,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.6335% | 1,712 |
| Net loans and leases to deposits | 105.7912% | 377 |
| Net loans and leases to core deposits | 107.6057% | 1,057 |
| Total domestic deposits to total assets | 70.5479% | 5,755 |
| Equity capital to assets | 20.3797% | 210 |
| Core capital (leverage) ratio | 20.1119% | 191 |
| Tier 1 risk-based capital ratio | 46.4085% | 164 |
| Total risk-based capital ratio | 47.6712% | 162 |
| Memoranda: | ||
| Average total assets | $8,297,330 | 6,055 |
| Average earning assets | $7,711,330 | 6,042 |
| Average equity | $1,682,670 | 6,015 |
| Average total loans | $6,683,670 | 5,977 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 2,443 |
| Cost of funding earning assets | 0.6084% | 1,280 |
| Net interest margin | 3.5995% | 3,081 |
| Noninterest income to average assets | 0.0483% | 5,973 |
| Noninterest expense to average assets | 2.8485% | 2,895 |
| Loan and lease loss provision to assets | 0.0966% | 2,084 |
| Net operating income to assets | 0.3862% | 5,036 |
| Return on assets (ROA) | 0.3862% | 5,112 |
| Pretax return on assets | 0.5311% | 5,006 |
| Return on Equity (ROE) | 1.9093% | 5,516 |
| Retained earnings to average equity (ytd only) | 1.9093% | 4,493 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9444% | 1,372 |
| Assets per employee ($millions) | 4.1420% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 1,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.2047% | 658 |
| Net loans and leases to deposits | 114.8933% | 136 |
| Net loans and leases to core deposits | 116.8694% | 569 |
| Total domestic deposits to total assets | 70.6784% | 5,839 |
| Equity capital to assets | 20.2801% | 202 |
| Core capital (leverage) ratio | 19.8642% | 204 |
| Tier 1 risk-based capital ratio | 44.7908% | 180 |
| Total risk-based capital ratio | 46.0487% | 176 |
| Memoranda: | ||
| Average total assets | $8,285,000 | 6,119 |
| Average earning assets | $7,890,000 | 6,105 |
| Average equity | $1,676,000 | 6,075 |
| Average total loans | $6,867,500 | 6,035 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,036 |
| Cost of funding earning assets | 0.6464% | 1,090 |
| Net interest margin | 3.4223% | 3,828 |
| Noninterest income to average assets | 0.0488% | 6,010 |
| Noninterest expense to average assets | 3.1733% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1098% | 5,742 |
| Return on assets (ROA) | 0.1098% | 5,784 |
| Pretax return on assets | 0.1709% | 5,725 |
| Return on Equity (ROE) | 0.5403% | 5,833 |
| Retained earnings to average equity (ytd only) | 0.5403% | 5,303 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8905% | 440 |
| Assets per employee ($millions) | 4.1430% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.0661% | 587 |
| Net loans and leases to deposits | 117.9736% | 119 |
| Net loans and leases to core deposits | 120.0353% | 478 |
| Total domestic deposits to total assets | 69.5631% | 5,912 |
| Equity capital to assets | 20.1786% | 207 |
| Core capital (leverage) ratio | 19.8321% | 200 |
| Tier 1 risk-based capital ratio | 42.9173% | 192 |
| Total risk-based capital ratio | 44.1811% | 190 |
| Memoranda: | ||
| Average total assets | $8,193,400 | 6,178 |
| Average earning assets | $7,889,400 | 6,166 |
| Average equity | $1,665,600 | 6,132 |
| Average total loans | $6,690,000 | 6,091 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,125 |
| Cost of funding earning assets | 0.6613% | 1,026 |
| Net interest margin | 3.3914% | 3,998 |
| Noninterest income to average assets | 0.0327% | 6,136 |
| Noninterest expense to average assets | 3.2475% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0490% | 5,891 |
| Return on assets (ROA) | 0.0490% | 5,937 |
| Pretax return on assets | 0.0490% | 5,936 |
| Return on Equity (ROE) | 0.2404% | 5,949 |
| Retained earnings to average equity (ytd only) | 0.2404% | 5,537 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5149% | 336 |
| Assets per employee ($millions) | 2.6990% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 80.4495% | 754 |
| Net loans and leases to deposits | 116.8430% | 139 |
| Net loans and leases to core deposits | 118.9554% | 501 |
| Total domestic deposits to total assets | 68.8527% | 6,015 |
| Equity capital to assets | 20.5755% | 209 |
| Core capital (leverage) ratio | 20.5740% | 179 |
| Tier 1 risk-based capital ratio | 44.7761% | 184 |
| Total risk-based capital ratio | 46.0475% | 183 |
| Memoranda: | ||
| Average total assets | $8,170,250 | 6,266 |
| Average earning assets | $7,862,750 | 6,253 |
| Average equity | $1,664,000 | 6,219 |
| Average total loans | $6,636,750 | 6,177 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,204 |
| Cost of funding earning assets | 0.6573% | 1,064 |
| Net interest margin | 3.3623% | 4,045 |
| Noninterest income to average assets | 0.0488% | 6,180 |
| Noninterest expense to average assets | 3.2460% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0488% | 5,933 |
| Return on assets (ROA) | 0.0488% | 5,977 |
| Pretax return on assets | 0.0488% | 5,980 |
| Return on Equity (ROE) | 0.2405% | 5,999 |
| Retained earnings to average equity (ytd only) | 0.2405% | 5,435 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5185% | 362 |
| Assets per employee ($millions) | 2.6507% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 81.7530% | 579 |
| Net loans and leases to deposits | 107.6503% | 317 |
| Net loans and leases to core deposits | 109.4444% | 864 |
| Total domestic deposits to total assets | 75.9432% | 5,603 |
| Equity capital to assets | 20.9381% | 179 |
| Core capital (leverage) ratio | 20.5875% | 181 |
| Tier 1 risk-based capital ratio | 44.6006% | 203 |
| Total risk-based capital ratio | 45.8678% | 199 |
| Memoranda: | ||
| Average total assets | $8,194,670 | 6,343 |
| Average earning assets | $7,911,330 | 6,327 |
| Average equity | $1,663,330 | 6,294 |
| Average total loans | $6,643,330 | 6,249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,251 |
| Cost of funding earning assets | 0.6990% | 854 |
| Net interest margin | 3.2951% | 4,241 |
| Noninterest income to average assets | 0.0481% | 6,235 |
| Noninterest expense to average assets | 3.2708% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0481% | 6,053 |
| Return on assets (ROA) | -0.0481% | 6,089 |
| Pretax return on assets | -0.0481% | 6,084 |
| Return on Equity (ROE) | -0.2406% | 6,075 |
| Retained earnings to average equity (ytd only) | -0.2406% | 5,418 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4925% | 333 |
| Assets per employee ($millions) | 2.6533% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 2,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.9221% | 469 |
| Net loans and leases to deposits | 107.7851% | 263 |
| Net loans and leases to core deposits | 109.5782% | 766 |
| Total domestic deposits to total assets | 76.0050% | 5,737 |
| Equity capital to assets | 20.8794% | 188 |
| Core capital (leverage) ratio | 19.6546% | 223 |
| Tier 1 risk-based capital ratio | 43.6050% | 211 |
| Total risk-based capital ratio | 44.8732% | 212 |
| Memoranda: | ||
| Average total assets | $8,316,000 | 6,413 |
| Average earning assets | $8,012,000 | 6,397 |
| Average equity | $1,662,500 | 6,359 |
| Average total loans | $6,663,000 | 6,316 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,503 |
| Cost of funding earning assets | 0.8621% | 475 |
| Net interest margin | 3.1935% | 4,944 |
| Noninterest income to average assets | 0.0701% | 6,239 |
| Noninterest expense to average assets | 3.1529% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0117% | 6,077 |
| Return on assets (ROA) | 0.0117% | 6,099 |
| Pretax return on assets | -0.0117% | 6,103 |
| Return on Equity (ROE) | 0.0605% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.0605% | 5,741 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3717% | 355 |
| Assets per employee ($millions) | 2.8907% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 2,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.0955% | 1,250 |
| Net loans and leases to deposits | 99.1138% | 677 |
| Net loans and leases to core deposits | 100.6098% | 1,352 |
| Total domestic deposits to total assets | 76.7758% | 5,634 |
| Equity capital to assets | 19.1767% | 258 |
| Core capital (leverage) ratio | 19.1767% | 239 |
| Tier 1 risk-based capital ratio | 45.2763% | 170 |
| Total risk-based capital ratio | 46.5559% | 171 |
| Memoranda: | ||
| Average total assets | $8,563,600 | 6,503 |
| Average earning assets | $8,235,400 | 6,486 |
| Average equity | $1,652,400 | 6,444 |
| Average total loans | $6,525,800 | 6,405 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,662 |
| Cost of funding earning assets | 0.8766% | 477 |
| Net interest margin | 3.1490% | 5,122 |
| Noninterest income to average assets | 0.0469% | 6,391 |
| Noninterest expense to average assets | 3.2175% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2343% | 6,282 |
| Return on assets (ROA) | -0.2343% | 6,283 |
| Pretax return on assets | -0.1406% | 6,226 |
| Return on Equity (ROE) | -1.2123% | 6,242 |
| Retained earnings to average equity (ytd only) | -1.2123% | 5,993 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5685% | 286 |
| Assets per employee ($millions) | 2.8637% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 2,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 77.4881% | 1,022 |
| Net loans and leases to deposits | 101.1241% | 553 |
| Net loans and leases to core deposits | 102.6681% | 1,177 |
| Total domestic deposits to total assets | 76.6267% | 5,743 |
| Equity capital to assets | 19.1712% | 261 |
| Core capital (leverage) ratio | 19.1712% | 242 |
| Tier 1 risk-based capital ratio | 45.0739% | 179 |
| Total risk-based capital ratio | 46.3328% | 180 |
| Memoranda: | ||
| Average total assets | $8,536,500 | 6,582 |
| Average earning assets | $8,214,000 | 6,565 |
| Average equity | $1,649,750 | 6,520 |
| Average total loans | $6,481,750 | 6,481 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 3,863 |
| Cost of funding earning assets | 0.8815% | 473 |
| Net interest margin | 3.0853% | 5,301 |
| Noninterest income to average assets | 0.0470% | 6,449 |
| Noninterest expense to average assets | 3.2870% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3757% | 6,401 |
| Return on assets (ROA) | -0.3757% | 6,408 |
| Pretax return on assets | -0.2817% | 6,354 |
| Return on Equity (ROE) | -1.9386% | 6,330 |
| Retained earnings to average equity (ytd only) | -1.9386% | 5,985 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3750% | 241 |
| Assets per employee ($millions) | 2.7957% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 2,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 78.4786% | 848 |
| Net loans and leases to deposits | 98.4298% | 639 |
| Net loans and leases to core deposits | 99.9089% | 1,298 |
| Total domestic deposits to total assets | 79.7305% | 5,299 |
| Equity capital to assets | 19.6256% | 233 |
| Core capital (leverage) ratio | 19.6256% | 213 |
| Tier 1 risk-based capital ratio | 46.8946% | 153 |
| Total risk-based capital ratio | 48.1766% | 152 |
| Memoranda: | ||
| Average total assets | $8,518,330 | 6,649 |
| Average earning assets | $8,167,670 | 6,632 |
| Average equity | $1,650,670 | 6,581 |
| Average total loans | $6,389,000 | 6,549 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,523 |
| Cost of funding earning assets | 0.8747% | 518 |
| Net interest margin | 2.9158% | 5,719 |
| Noninterest income to average assets | 0.0466% | 6,490 |
| Noninterest expense to average assets | 3.5881% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8388% | 6,549 |
| Return on assets (ROA) | -0.8388% | 6,549 |
| Pretax return on assets | -0.7456% | 6,519 |
| Return on Equity (ROE) | -4.3557% | 6,450 |
| Retained earnings to average equity (ytd only) | -4.3557% | 6,084 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.2295% | 143 |
| Assets per employee ($millions) | 2.7913% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 2,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.7879% | 1,305 |
| Net loans and leases to deposits | 92.5554% | 910 |
| Net loans and leases to core deposits | 93.9486% | 1,553 |
| Total domestic deposits to total assets | 79.7230% | 5,540 |
| Equity capital to assets | 19.6322% | 228 |
| Core capital (leverage) ratio | 19.6322% | 222 |
| Tier 1 risk-based capital ratio | 49.4287% | 139 |
| Total risk-based capital ratio | 50.7216% | 138 |
| Memoranda: | ||
| Average total assets | $8,584,000 | 6,722 |
| Average earning assets | $8,231,000 | 6,705 |
| Average equity | $1,653,000 | 6,646 |
| Average total loans | $6,241,000 | 6,620 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,263 |
| Cost of funding earning assets | 1.0402% | 376 |
| Net interest margin | 3.1818% | 5,057 |
| Noninterest income to average assets | 0.0346% | 6,585 |
| Noninterest expense to average assets | 3.1260% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0231% | 6,237 |
| Return on assets (ROA) | -0.0231% | 6,274 |
| Pretax return on assets | -0.0923% | 6,282 |
| Return on Equity (ROE) | -0.1208% | 6,267 |
| Retained earnings to average equity (ytd only) | -0.1208% | 5,897 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0418% | 398 |
| Assets per employee ($millions) | 2.9313% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 2,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 69.3314% | 2,118 |
| Net loans and leases to deposits | 86.1280% | 1,670 |
| Net loans and leases to core deposits | 87.3496% | 2,312 |
| Total domestic deposits to total assets | 80.4981% | 5,321 |
| Equity capital to assets | 18.8992% | 271 |
| Core capital (leverage) ratio | 18.8992% | 246 |
| Tier 1 risk-based capital ratio | 49.4202% | 137 |
| Total risk-based capital ratio | 50.6988% | 136 |
| Memoranda: | ||
| Average total assets | $8,669,200 | 6,804 |
| Average earning assets | $8,171,600 | 6,790 |
| Average equity | $1,656,200 | 6,737 |
| Average total loans | $6,375,400 | 6,705 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,902 |
| Cost of funding earning assets | 1.0639% | 369 |
| Net interest margin | 3.2575% | 4,803 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 3.2260% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2315% | 6,486 |
| Return on assets (ROA) | -0.2315% | 6,500 |
| Pretax return on assets | -0.1543% | 6,443 |
| Return on Equity (ROE) | -1.2086% | 6,438 |
| Retained earnings to average equity (ytd only) | -1.2086% | 6,163 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0251% | 349 |
| Assets per employee ($millions) | 2.9190% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 2,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 68.7793% | 2,184 |
| Net loans and leases to deposits | 85.4326% | 1,685 |
| Net loans and leases to core deposits | 86.6494% | 2,328 |
| Total domestic deposits to total assets | 80.5070% | 5,357 |
| Equity capital to assets | 18.8306% | 274 |
| Core capital (leverage) ratio | 18.8306% | 243 |
| Tier 1 risk-based capital ratio | 49.5344% | 139 |
| Total risk-based capital ratio | 50.7960% | 139 |
| Memoranda: | ||
| Average total assets | $8,638,000 | 6,883 |
| Average earning assets | $8,145,250 | 6,869 |
| Average equity | $1,654,750 | 6,816 |
| Average total loans | $6,419,250 | 6,781 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 2,767 |
| Cost of funding earning assets | 1.0810% | 362 |
| Net interest margin | 3.2675% | 4,699 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 3.2797% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2559% | 6,524 |
| Return on assets (ROA) | -0.2559% | 6,553 |
| Pretax return on assets | -0.1861% | 6,488 |
| Return on Equity (ROE) | -1.3280% | 6,483 |
| Retained earnings to average equity (ytd only) | -1.3280% | 6,100 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0150% | 351 |
| Assets per employee ($millions) | 2.8330% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 73.1851% | 1,374 |
| Net loans and leases to deposits | 91.6053% | 1,001 |
| Net loans and leases to core deposits | 92.9607% | 1,615 |
| Total domestic deposits to total assets | 79.8918% | 5,630 |
| Equity capital to assets | 19.4493% | 236 |
| Core capital (leverage) ratio | 19.4493% | 217 |
| Tier 1 risk-based capital ratio | 48.8331% | 135 |
| Total risk-based capital ratio | 50.1034% | 134 |
| Memoranda: | ||
| Average total assets | $8,598,330 | 6,934 |
| Average earning assets | $8,140,670 | 6,920 |
| Average equity | $1,656,670 | 6,866 |
| Average total loans | $6,517,000 | 6,824 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 2,528 |
| Cost of funding earning assets | 1.0875% | 398 |
| Net interest margin | 3.3119% | 4,476 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 3.5615% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5088% | 6,674 |
| Return on assets (ROA) | -0.5088% | 6,698 |
| Pretax return on assets | -0.4625% | 6,661 |
| Return on Equity (ROE) | -2.6530% | 6,591 |
| Retained earnings to average equity (ytd only) | -2.6530% | 6,157 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9254% | 261 |
| Assets per employee ($millions) | 2.8790% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 3,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 73.2314% | 1,178 |
| Net loans and leases to deposits | 91.2830% | 865 |
| Net loans and leases to core deposits | 92.6061% | 1,446 |
| Total domestic deposits to total assets | 80.2246% | 5,703 |
| Equity capital to assets | 19.1386% | 257 |
| Core capital (leverage) ratio | 19.1386% | 232 |
| Tier 1 risk-based capital ratio | 47.2961% | 147 |
| Total risk-based capital ratio | 48.5551% | 147 |
| Memoranda: | ||
| Average total assets | $8,648,000 | 7,012 |
| Average earning assets | $8,092,000 | 7,001 |
| Average equity | $1,658,500 | 6,934 |
| Average total loans | $6,614,000 | 6,892 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 2,537 |
| Cost of funding earning assets | 1.3336% | 325 |
| Net interest margin | 3.3816% | 4,956 |
| Noninterest income to average assets | 0.0564% | 6,664 |
| Noninterest expense to average assets | 3.0923% | 2,951 |
| Loan and lease loss provision to assets | 0.0677% | 4,904 |
| Net operating income to assets | 0.0903% | 6,025 |
| Return on assets (ROA) | 0.0903% | 6,169 |
| Pretax return on assets | 0.1016% | 6,158 |
| Return on Equity (ROE) | 0.4832% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.4832% | 5,610 |
| Net charge-offs to loans | 0.0439% | 5,301 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,182 |
| Efficiency ratio | 94.8097% | 763 |
| Assets per employee ($millions) | 2.8863% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 77.3415% | 755 |
| Net loans and leases to deposits | 96.5542% | 591 |
| Net loans and leases to core deposits | 97.9523% | 1,151 |
| Total domestic deposits to total assets | 80.1016% | 5,638 |
| Equity capital to assets | 19.2170% | 251 |
| Core capital (leverage) ratio | 19.2170% | 226 |
| Tier 1 risk-based capital ratio | 45.9034% | 165 |
| Total risk-based capital ratio | 47.1724% | 165 |
| Memoranda: | ||
| Average total assets | $8,860,800 | 7,075 |
| Average earning assets | $8,398,400 | 7,056 |
| Average equity | $1,655,600 | 7,005 |
| Average total loans | $6,836,000 | 6,953 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 2,693 |
| Cost of funding earning assets | 1.3857% | 310 |
| Net interest margin | 3.3384% | 5,254 |
| Noninterest income to average assets | 0.0449% | 6,822 |
| Noninterest expense to average assets | 3.0224% | 3,161 |
| Loan and lease loss provision to assets | 0.0748% | 4,721 |
| Net operating income to assets | 0.0149% | 6,258 |
| Return on assets (ROA) | 0.0149% | 6,390 |
| Pretax return on assets | 0.1196% | 6,240 |
| Return on Equity (ROE) | 0.0804% | 6,394 |
| Retained earnings to average equity (ytd only) | 0.0804% | 6,049 |
| Net charge-offs to loans | 0.0584% | 4,845 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 4.3325% | 3,331 |
| Efficiency ratio | 93.9535% | 777 |
| Assets per employee ($millions) | 2.9153% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,044 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,754 |
| Noncurrent loans to loans | 0.0145% | 6,616 |
| Net loans and leases to total assets | 77.8299% | 752 |
| Net loans and leases to deposits | 96.9106% | 602 |
| Net loans and leases to core deposits | 98.2960% | 1,241 |
| Total domestic deposits to total assets | 80.3110% | 5,573 |
| Equity capital to assets | 18.9458% | 302 |
| Core capital (leverage) ratio | 18.9458% | 249 |
| Tier 1 risk-based capital ratio | 44.2220% | 183 |
| Total risk-based capital ratio | 45.5031% | 183 |
| Memoranda: | ||
| Average total assets | $8,911,250 | 7,170 |
| Average earning assets | $8,467,000 | 7,151 |
| Average equity | $1,653,500 | 7,099 |
| Average total loans | $6,845,000 | 7,049 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 3,139 |
| Cost of funding earning assets | 1.4328% | 309 |
| Net interest margin | 3.2179% | 5,678 |
| Noninterest income to average assets | 0.0446% | 6,879 |
| Noninterest expense to average assets | 3.0559% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0446% | 6,374 |
| Return on assets (ROA) | -0.0446% | 6,494 |
| Pretax return on assets | 0.0446% | 6,396 |
| Return on Equity (ROE) | -0.2421% | 6,477 |
| Retained earnings to average equity (ytd only) | -0.2421% | 6,081 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5612% | 605 |
| Assets per employee ($millions) | 2.9950% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,333 |
| Loan loss allowance to noncurrent loans | 454.5455% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 6,157 |
| Noncurrent loans to loans | 0.3151% | 5,922 |
| Net loans and leases to total assets | 76.5943% | 895 |
| Net loans and leases to deposits | 94.7021% | 715 |
| Net loans and leases to core deposits | 96.0100% | 1,426 |
| Total domestic deposits to total assets | 80.8792% | 5,509 |
| Equity capital to assets | 18.4085% | 313 |
| Core capital (leverage) ratio | 18.4085% | 275 |
| Tier 1 risk-based capital ratio | 43.4920% | 186 |
| Total risk-based capital ratio | 44.7541% | 186 |
| Memoranda: | ||
| Average total assets | $8,966,330 | 7,232 |
| Average earning assets | $8,515,000 | 7,213 |
| Average equity | $1,652,330 | 7,155 |
| Average total loans | $6,823,670 | 7,107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 3,181 |
| Cost of funding earning assets | 1.5240% | 255 |
| Net interest margin | 3.1432% | 5,922 |
| Noninterest income to average assets | 0.0893% | 6,788 |
| Noninterest expense to average assets | 3.3493% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4019% | 6,773 |
| Return on assets (ROA) | -0.4019% | 6,808 |
| Pretax return on assets | -0.3126% | 6,738 |
| Return on Equity (ROE) | -2.1798% | 6,701 |
| Retained earnings to average equity (ytd only) | -2.1798% | 6,304 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2941% | 331 |
| Assets per employee ($millions) | 3.0187% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 4,080 |
| Loan loss allowance to noncurrent loans | 454.5455% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 6,280 |
| Noncurrent loans to loans | 0.3335% | 6,002 |
| Net loans and leases to total assets | 71.7314% | 1,449 |
| Net loans and leases to deposits | 88.4291% | 1,115 |
| Net loans and leases to core deposits | 89.6371% | 1,885 |
| Total domestic deposits to total assets | 81.1175% | 5,568 |
| Equity capital to assets | 18.1868% | 324 |
| Core capital (leverage) ratio | 18.1868% | 288 |
| Tier 1 risk-based capital ratio | 45.3844% | 161 |
| Total risk-based capital ratio | 46.6520% | 160 |
| Memoranda: | ||
| Average total assets | $8,957,000 | 7,294 |
| Average earning assets | $8,399,000 | 7,276 |
| Average equity | $1,651,500 | 7,210 |
| Average total loans | $6,744,500 | 7,171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 2,899 |
| Cost of funding earning assets | 1.6461% | 399 |
| Net interest margin | 3.3506% | 5,648 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 2.9085% | 3,930 |
| Loan and lease loss provision to assets | 0.0112% | 6,395 |
| Net operating income to assets | 0.2461% | 5,433 |
| Return on assets (ROA) | 0.2461% | 5,578 |
| Pretax return on assets | 0.2909% | 5,586 |
| Return on Equity (ROE) | 1.3441% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.3441% | 5,219 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5923% | 1,142 |
| Assets per employee ($millions) | 2.9527% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 4,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2644% | 4,116 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 76.6877% | 869 |
| Net loans and leases to deposits | 94.4916% | 779 |
| Net loans and leases to core deposits | 95.8110% | 1,510 |
| Total domestic deposits to total assets | 81.1583% | 5,406 |
| Equity capital to assets | 18.6950% | 297 |
| Core capital (leverage) ratio | 18.6950% | 262 |
| Tier 1 risk-based capital ratio | 36.1257% | 306 |
| Total risk-based capital ratio | 37.3909% | 302 |
| Memoranda: | ||
| Average total assets | $8,939,200 | 7,343 |
| Average earning assets | $8,565,600 | 7,323 |
| Average equity | $1,636,800 | 7,267 |
| Average total loans | $6,948,600 | 7,214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 4,087 |
| Cost of funding earning assets | 1.6626% | 452 |
| Net interest margin | 3.1232% | 6,353 |
| Noninterest income to average assets | -0.0298% | 7,139 |
| Noninterest expense to average assets | 2.8870% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0148% | 6,174 |
| Return on assets (ROA) | -0.0148% | 6,280 |
| Pretax return on assets | 0.0744% | 6,134 |
| Return on Equity (ROE) | -0.0815% | 6,274 |
| Retained earnings to average equity (ytd only) | -0.0815% | 5,979 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4874% | 752 |
| Assets per employee ($millions) | 3.0293% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 4,333 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 74.6699% | 1,205 |
| Net loans and leases to deposits | 91.1974% | 1,088 |
| Net loans and leases to core deposits | 92.4271% | 1,945 |
| Total domestic deposits to total assets | 81.8772% | 5,140 |
| Equity capital to assets | 17.9688% | 392 |
| Core capital (leverage) ratio | 17.9688% | 324 |
| Tier 1 risk-based capital ratio | 35.3005% | 343 |
| Total risk-based capital ratio | 36.5543% | 333 |
| Memoranda: | ||
| Average total assets | $8,959,500 | 7,421 |
| Average earning assets | $8,580,750 | 7,401 |
| Average equity | $1,632,000 | 7,342 |
| Average total loans | $6,962,500 | 7,283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 4,114 |
| Cost of funding earning assets | 1.6841% | 498 |
| Net interest margin | 3.1110% | 6,384 |
| Noninterest income to average assets | -0.0224% | 7,228 |
| Noninterest expense to average assets | 2.9159% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0449% | 6,290 |
| Return on assets (ROA) | -0.0449% | 6,350 |
| Pretax return on assets | 0.0449% | 6,197 |
| Return on Equity (ROE) | -0.2451% | 6,328 |
| Retained earnings to average equity (ytd only) | -0.2451% | 5,889 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4848% | 775 |
| Assets per employee ($millions) | 2.9343% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 4,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 4,356 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 77.7008% | 818 |
| Net loans and leases to deposits | 95.5441% | 763 |
| Net loans and leases to core deposits | 96.8839% | 1,599 |
| Total domestic deposits to total assets | 81.3245% | 5,416 |
| Equity capital to assets | 18.5391% | 341 |
| Core capital (leverage) ratio | 18.5391% | 297 |
| Tier 1 risk-based capital ratio | 35.7112% | 331 |
| Total risk-based capital ratio | 36.9584% | 328 |
| Memoranda: | ||
| Average total assets | $8,916,670 | 7,497 |
| Average earning assets | $8,550,330 | 7,478 |
| Average equity | $1,631,670 | 7,412 |
| Average total loans | $6,988,330 | 7,358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 4,117 |
| Cost of funding earning assets | 1.7193% | 514 |
| Net interest margin | 3.0669% | 6,425 |
| Noninterest income to average assets | -0.0446% | 7,348 |
| Noninterest expense to average assets | 3.0311% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2229% | 6,589 |
| Return on assets (ROA) | -0.2229% | 6,602 |
| Pretax return on assets | -0.1337% | 6,477 |
| Return on Equity (ROE) | -1.2259% | 6,513 |
| Retained earnings to average equity (ytd only) | -1.2259% | 6,030 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6154% | 608 |
| Assets per employee ($millions) | 3.0133% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 4,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 4,475 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 76.7146% | 921 |
| Net loans and leases to deposits | 93.7036% | 859 |
| Net loans and leases to core deposits | 94.9740% | 1,773 |
| Total domestic deposits to total assets | 81.8695% | 5,358 |
| Equity capital to assets | 18.0199% | 367 |
| Core capital (leverage) ratio | 18.0199% | 334 |
| Tier 1 risk-based capital ratio | 34.7631% | 355 |
| Total risk-based capital ratio | 36.0222% | 350 |
| Memoranda: | ||
| Average total assets | $8,973,500 | 7,554 |
| Average earning assets | $8,608,000 | 7,535 |
| Average equity | $1,631,500 | 7,464 |
| Average total loans | $7,013,000 | 7,415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5776% | 1,985 |
| Cost of funding earning assets | 2.0580% | 493 |
| Net interest margin | 3.5196% | 5,161 |
| Noninterest income to average assets | -0.0333% | 7,340 |
| Noninterest expense to average assets | 2.8674% | 4,355 |
| Loan and lease loss provision to assets | 0.0111% | 6,979 |
| Net operating income to assets | 0.3334% | 4,814 |
| Return on assets (ROA) | 0.3334% | 4,973 |
| Pretax return on assets | 0.4334% | 4,840 |
| Return on Equity (ROE) | 1.8590% | 5,441 |
| Retained earnings to average equity (ytd only) | 1.8590% | 4,561 |
| Net charge-offs to loans | 0.0419% | 6,388 |
| Credit loss provision to net charge-offs | 33.3333% | 6,470 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,419 |
| Efficiency ratio | 86.5772% | 1,619 |
| Assets per employee ($millions) | 2.9690% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 4,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 4,517 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 77.3886% | 1,035 |
| Net loans and leases to deposits | 94.9972% | 955 |
| Net loans and leases to core deposits | 96.3113% | 1,973 |
| Total domestic deposits to total assets | 81.4640% | 5,368 |
| Equity capital to assets | 18.3451% | 352 |
| Core capital (leverage) ratio | 18.3451% | 311 |
| Tier 1 risk-based capital ratio | 34.2271% | 365 |
| Total risk-based capital ratio | 35.4839% | 359 |
| Memoranda: | ||
| Average total assets | $8,997,800 | 7,634 |
| Average earning assets | $8,552,000 | 7,617 |
| Average equity | $1,613,800 | 7,565 |
| Average total loans | $7,163,800 | 7,496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4470% | 2,659 |
| Cost of funding earning assets | 2.1226% | 498 |
| Net interest margin | 3.3243% | 5,942 |
| Noninterest income to average assets | -0.0739% | 7,520 |
| Noninterest expense to average assets | 2.7788% | 4,570 |
| Loan and lease loss provision to assets | 0.0147% | 6,894 |
| Net operating income to assets | 0.2070% | 5,489 |
| Return on assets (ROA) | 0.2070% | 5,652 |
| Pretax return on assets | 0.2809% | 5,553 |
| Return on Equity (ROE) | 1.1605% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.1605% | 5,353 |
| Net charge-offs to loans | 0.0555% | 5,964 |
| Credit loss provision to net charge-offs | 33.3333% | 6,115 |
| Earnings coverage of net charge-offs (x) | 6.6675% | 2,476 |
| Efficiency ratio | 90.3846% | 1,252 |
| Assets per employee ($millions) | 3.0083% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2410% | 4,671 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 78.2161% | 1,003 |
| Net loans and leases to deposits | 95.4951% | 1,046 |
| Net loans and leases to core deposits | 96.7914% | 2,168 |
| Total domestic deposits to total assets | 81.9058% | 5,033 |
| Equity capital to assets | 17.9280% | 416 |
| Core capital (leverage) ratio | 17.9280% | 356 |
| Tier 1 risk-based capital ratio | 33.8281% | 383 |
| Total risk-based capital ratio | 35.0826% | 376 |
| Memoranda: | ||
| Average total assets | $9,020,500 | 7,736 |
| Average earning assets | $8,542,750 | 7,715 |
| Average equity | $1,608,750 | 7,664 |
| Average total loans | $7,206,750 | 7,588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4942% | 2,539 |
| Cost of funding earning assets | 2.1836% | 490 |
| Net interest margin | 3.3106% | 5,979 |
| Noninterest income to average assets | -0.0444% | 7,584 |
| Noninterest expense to average assets | 2.8606% | 4,226 |
| Loan and lease loss provision to assets | 0.0222% | 6,713 |
| Net operating income to assets | 0.1109% | 5,835 |
| Return on assets (ROA) | 0.1109% | 5,941 |
| Pretax return on assets | 0.1996% | 5,771 |
| Return on Equity (ROE) | 0.6228% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.6228% | 5,515 |
| Net charge-offs to loans | 0.0831% | 5,311 |
| Credit loss provision to net charge-offs | 33.3333% | 5,688 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,364 |
| Efficiency ratio | 92.8058% | 1,139 |
| Assets per employee ($millions) | 3.0050% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 4,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 75.5186% | 1,590 |
| Net loans and leases to deposits | 92.0747% | 1,519 |
| Net loans and leases to core deposits | 93.3242% | 2,812 |
| Total domestic deposits to total assets | 82.0189% | 4,979 |
| Equity capital to assets | 17.8480% | 433 |
| Core capital (leverage) ratio | 17.8480% | 369 |
| Tier 1 risk-based capital ratio | 34.9707% | 351 |
| Total risk-based capital ratio | 36.2313% | 344 |
| Memoranda: | ||
| Average total assets | $9,019,000 | 7,804 |
| Average earning assets | $8,518,000 | 7,785 |
| Average equity | $1,605,670 | 7,732 |
| Average total loans | $7,223,000 | 7,653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 2,288 |
| Cost of funding earning assets | 2.1992% | 593 |
| Net interest margin | 3.3690% | 5,709 |
| Noninterest income to average assets | -0.0887% | 7,747 |
| Noninterest expense to average assets | 3.0152% | 3,622 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0887% | 6,163 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.1626% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 4,432 |
| Efficiency ratio | 97.1429% | 962 |
| Assets per employee ($millions) | 3.0447% | 6,117 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 4,726 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 79.3519% | 932 |
| Net loans and leases to deposits | 96.6400% | 1,030 |
| Net loans and leases to core deposits | 97.9327% | 2,349 |
| Total domestic deposits to total assets | 82.1108% | 5,029 |
| Equity capital to assets | 17.5608% | 462 |
| Core capital (leverage) ratio | 17.5608% | 395 |
| Tier 1 risk-based capital ratio | 33.4306% | 395 |
| Total risk-based capital ratio | 34.6811% | 388 |
| Memoranda: | ||
| Average total assets | $9,021,000 | 7,904 |
| Average earning assets | $8,548,500 | 7,886 |
| Average equity | $1,604,000 | 7,820 |
| Average total loans | $7,381,000 | 7,744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1791% | 1,295 |
| Cost of funding earning assets | 2.6448% | 680 |
| Net interest margin | 3.5342% | 4,805 |
| Noninterest income to average assets | -0.0784% | 7,784 |
| Noninterest expense to average assets | 3.0674% | 3,883 |
| Loan and lease loss provision to assets | -0.0224% | 7,965 |
| Net operating income to assets | 0.2127% | 4,862 |
| Return on assets (ROA) | 0.2127% | 4,922 |
| Pretax return on assets | 0.2575% | 4,876 |
| Return on Equity (ROE) | 1.1977% | 5,169 |
| Retained earnings to average equity (ytd only) | 1.1977% | 4,204 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8814% | 1,492 |
| Assets per employee ($millions) | 2.9693% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2573% | 4,575 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.1060% | 669 |
| Net loans and leases to deposits | 100.2742% | 878 |
| Net loans and leases to core deposits | 102.3080% | 3,771 |
| Total domestic deposits to total assets | 81.8815% | 5,004 |
| Equity capital to assets | 18.0063% | 442 |
| Core capital (leverage) ratio | 18.0063% | 409 |
| Tier 1 risk-based capital ratio | 34.0480% | 371 |
| Total risk-based capital ratio | 35.3004% | 362 |
| Memoranda: | ||
| Average total assets | $8,932,600 | 7,981 |
| Average earning assets | $8,545,000 | 7,961 |
| Average equity | $1,586,400 | 7,910 |
| Average total loans | $7,608,200 | 7,797 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9953% | 2,057 |
| Cost of funding earning assets | 2.7095% | 772 |
| Net interest margin | 3.2858% | 5,699 |
| Noninterest income to average assets | -0.1491% | 7,950 |
| Noninterest expense to average assets | 3.0131% | 3,993 |
| Loan and lease loss provision to assets | -0.0149% | 8,042 |
| Net operating income to assets | -0.0746% | 5,849 |
| Return on assets (ROA) | -0.0746% | 5,887 |
| Pretax return on assets | 0.0000% | 5,706 |
| Return on Equity (ROE) | -0.4216% | 5,847 |
| Retained earnings to average equity (ytd only) | -0.4216% | 5,324 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4975% | 1,037 |
| Assets per employee ($millions) | 2.9563% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 4,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2854% | 4,508 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 83.3352% | 631 |
| Net loans and leases to deposits | 101.5945% | 961 |
| Net loans and leases to core deposits | 103.6170% | 3,983 |
| Total domestic deposits to total assets | 82.0273% | 4,664 |
| Equity capital to assets | 17.8149% | 526 |
| Core capital (leverage) ratio | 17.8149% | 465 |
| Tier 1 risk-based capital ratio | 33.5172% | 417 |
| Total risk-based capital ratio | 34.7688% | 408 |
| Memoranda: | ||
| Average total assets | $8,938,750 | 8,066 |
| Average earning assets | $8,562,000 | 8,046 |
| Average equity | $1,582,000 | 7,995 |
| Average total loans | $7,656,250 | 7,873 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0328% | 2,044 |
| Cost of funding earning assets | 2.7253% | 977 |
| Net interest margin | 3.3076% | 5,526 |
| Noninterest income to average assets | -0.1562% | 8,052 |
| Noninterest expense to average assets | 3.0797% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1339% | 6,075 |
| Return on assets (ROA) | -0.1339% | 6,104 |
| Pretax return on assets | -0.0669% | 5,956 |
| Return on Equity (ROE) | -0.7582% | 6,042 |
| Retained earnings to average equity (ytd only) | -0.7582% | 5,417 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2222% | 1,085 |
| Assets per employee ($millions) | 2.9737% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 3,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 4,836 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 82.7486% | 817 |
| Net loans and leases to deposits | 100.7782% | 1,202 |
| Net loans and leases to core deposits | 102.7418% | 4,208 |
| Total domestic deposits to total assets | 82.1096% | 4,642 |
| Equity capital to assets | 17.6998% | 580 |
| Core capital (leverage) ratio | 17.6998% | 541 |
| Tier 1 risk-based capital ratio | 32.8890% | 470 |
| Total risk-based capital ratio | 34.1596% | 461 |
| Memoranda: | ||
| Average total assets | $8,962,000 | 8,161 |
| Average earning assets | $8,586,330 | 8,136 |
| Average equity | $1,582,670 | 8,080 |
| Average total loans | $7,710,330 | 7,958 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1406% | 1,794 |
| Cost of funding earning assets | 2.6981% | 1,280 |
| Net interest margin | 3.4425% | 4,969 |
| Noninterest income to average assets | -0.1781% | 8,158 |
| Noninterest expense to average assets | 3.1172% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0445% | 6,327 |
| Return on assets (ROA) | -0.0445% | 6,453 |
| Pretax return on assets | 0.0000% | 6,374 |
| Return on Equity (ROE) | -0.2524% | 6,439 |
| Retained earnings to average equity (ytd only) | -0.2524% | 5,703 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 1,127 |
| Assets per employee ($millions) | 3.0103% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 3,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 4,588 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 85.0736% | 539 |
| Net loans and leases to deposits | 106.1628% | 851 |
| Net loans and leases to core deposits | 108.2570% | 3,646 |
| Total domestic deposits to total assets | 80.1351% | 5,315 |
| Equity capital to assets | 17.5396% | 662 |
| Core capital (leverage) ratio | 17.5396% | 599 |
| Tier 1 risk-based capital ratio | 32.4723% | 510 |
| Total risk-based capital ratio | 33.7433% | 500 |
| Memoranda: | ||
| Average total assets | $8,982,500 | 8,209 |
| Average earning assets | $8,598,500 | 8,182 |
| Average equity | $1,584,500 | 8,137 |
| Average total loans | $7,822,500 | 7,998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1114% | 4,985 |
| Cost of funding earning assets | 3.2997% | 930 |
| Net interest margin | 2.8117% | 7,311 |
| Noninterest income to average assets | 0.1007% | 7,628 |
| Noninterest expense to average assets | 2.7419% | 5,084 |
| Loan and lease loss provision to assets | -0.0112% | 8,202 |
| Net operating income to assets | 0.0671% | 6,190 |
| Return on assets (ROA) | 0.0671% | 6,043 |
| Pretax return on assets | 0.0783% | 5,993 |
| Return on Equity (ROE) | 0.3828% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.3828% | 5,014 |
| Net charge-offs to loans | -0.3225% | 8,197 |
| Credit loss provision to net charge-offs | 4.3478% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6096% | 1,076 |
| Assets per employee ($millions) | 2.9780% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 3,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 4,164 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.7920% | 498 |
| Net loans and leases to deposits | 105.6403% | 1,159 |
| Net loans and leases to core deposits | 107.6645% | 4,002 |
| Total domestic deposits to total assets | 82.1580% | 4,139 |
| Equity capital to assets | 17.7412% | 686 |
| Core capital (leverage) ratio | 17.7412% | 633 |
| Tier 1 risk-based capital ratio | 30.2423% | 628 |
| Total risk-based capital ratio | 31.5016% | 609 |
| Memoranda: | ||
| Average total assets | $8,935,400 | 8,263 |
| Average earning assets | $8,606,800 | 8,237 |
| Average equity | $1,567,600 | 8,202 |
| Average total loans | $7,131,000 | 8,077 |