Home > Merit Bank > Performance and Condition Ratios
Merit Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 1,590 |
| Cost of funding earning assets | 3.0053% | 423 |
| Net interest margin | 2.6190% | 3,692 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 2.3645% | 2,615 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.1819% | 4,009 |
| Return on assets (ROA) | 0.1781% | 4,049 |
| Pretax return on assets | 0.2015% | 4,034 |
| Return on Equity (ROE) | 1.9100% | 4,021 |
| Retained earnings to average equity (ytd only) | 1.9110% | 3,263 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.1417% | 674 |
| Assets per employee ($millions) | 8.6568% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,344 |
| Loan loss allowance to noncurrent loans | 549.7835% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 2,843 |
| Noncurrent loans to loans | 0.1803% | 2,720 |
| Net loans and leases to total assets | 65.1400% | 2,351 |
| Net loans and leases to deposits | 77.9592% | 2,241 |
| Net loans and leases to core deposits | 86.9974% | 2,243 |
| Total domestic deposits to total assets | 83.5500% | 2,854 |
| Equity capital to assets | 9.0590% | 2,644 |
| Core capital (leverage) ratio | 10.1141% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $377,241,000 | 2,119 |
| Average earning assets | $367,618,000 | 2,052 |
| Average equity | $35,164,000 | 2,128 |
| Average total loans | $252,048,000 | 2,044 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 2,161 |
| Cost of funding earning assets | 2.3244% | 524 |
| Net interest margin | 2.6314% | 3,928 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.3623% | 2,688 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.3500% | 3,956 |
| Return on assets (ROA) | 0.3448% | 3,956 |
| Pretax return on assets | 0.3677% | 4,009 |
| Return on Equity (ROE) | 3.1100% | 4,010 |
| Retained earnings to average equity (ytd only) | 3.1058% | 3,244 |
| Net charge-offs to loans | -0.0004% | 3,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.5831% | 744 |
| Assets per employee ($millions) | 9.1231% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,373 |
| Loan loss allowance to noncurrent loans | 516.0000% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,665 |
| Noncurrent loans to loans | 0.1917% | 2,553 |
| Net loans and leases to total assets | 67.2400% | 2,124 |
| Net loans and leases to deposits | 87.0651% | 1,529 |
| Net loans and leases to core deposits | 93.3465% | 1,819 |
| Total domestic deposits to total assets | 77.2300% | 3,823 |
| Equity capital to assets | 9.6014% | 2,275 |
| Core capital (leverage) ratio | 10.7395% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $310,889,800 | 2,370 |
| Average earning assets | $303,561,000 | 2,282 |
| Average equity | $34,516,200 | 2,075 |
| Average total loans | $224,040,000 | 2,135 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 2,445 |
| Cost of funding earning assets | 2.0999% | 593 |
| Net interest margin | 2.6124% | 4,014 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.4215% | 2,459 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.3417% | 4,067 |
| Return on assets (ROA) | 0.3345% | 4,081 |
| Pretax return on assets | 0.3537% | 4,112 |
| Return on Equity (ROE) | 2.8900% | 4,107 |
| Retained earnings to average equity (ytd only) | 2.8926% | 3,536 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.6105% | 578 |
| Assets per employee ($millions) | 8.2257% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,409 |
| Loan loss allowance to noncurrent loans | 410.3636% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 2,490 |
| Noncurrent loans to loans | 0.2422% | 2,378 |
| Net loans and leases to total assets | 66.6700% | 2,185 |
| Net loans and leases to deposits | 85.9561% | 1,581 |
| Net loans and leases to core deposits | 91.6175% | 1,826 |
| Total domestic deposits to total assets | 77.5700% | 3,867 |
| Equity capital to assets | 10.1693% | 1,725 |
| Core capital (leverage) ratio | 11.3999% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $297,381,000 | 2,442 |
| Average earning assets | $290,864,500 | 2,361 |
| Average equity | $34,385,750 | 2,067 |
| Average total loans | $218,096,000 | 2,171 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,848 |
| Cost of funding earning assets | 1.7752% | 774 |
| Net interest margin | 2.6399% | 4,058 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.5048% | 2,194 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.2957% | 4,162 |
| Return on assets (ROA) | 0.2844% | 4,207 |
| Pretax return on assets | 0.3020% | 4,232 |
| Return on Equity (ROE) | 2.3500% | 4,229 |
| Retained earnings to average equity (ytd only) | 2.3478% | 3,632 |
| Net charge-offs to loans | -0.0009% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.3614% | 482 |
| Assets per employee ($millions) | 7.9256% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,386 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,328 |
| Noncurrent loans to loans | 0.2526% | 2,252 |
| Net loans and leases to total assets | 68.4700% | 1,917 |
| Net loans and leases to deposits | 90.2020% | 1,169 |
| Net loans and leases to core deposits | 96.7721% | 1,423 |
| Total domestic deposits to total assets | 75.9100% | 4,048 |
| Equity capital to assets | 10.8556% | 1,444 |
| Core capital (leverage) ratio | 13.2308% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $284,090,667 | 2,507 |
| Average earning assets | $278,270,667 | 2,434 |
| Average equity | $34,415,667 | 2,079 |
| Average total loans | $215,090,333 | 2,187 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 2,439 |
| Cost of funding earning assets | 1.6554% | 628 |
| Net interest margin | 2.7879% | 3,956 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.5573% | 2,087 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3199% | 4,220 |
| Return on assets (ROA) | 0.3199% | 4,178 |
| Pretax return on assets | 0.3393% | 4,221 |
| Return on Equity (ROE) | 2.4900% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.4872% | 3,607 |
| Net charge-offs to loans | -0.0019% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.1789% | 505 |
| Assets per employee ($millions) | 6.5618% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,494 |
| Loan loss allowance to noncurrent loans | 360.3993% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 2,010 |
| Noncurrent loans to loans | 0.2792% | 2,141 |
| Net loans and leases to total assets | 79.2000% | 618 |
| Net loans and leases to deposits | 90.9949% | 976 |
| Net loans and leases to core deposits | 98.6879% | 1,144 |
| Total domestic deposits to total assets | 87.0400% | 2,247 |
| Equity capital to assets | 12.8471% | 799 |
| Core capital (leverage) ratio | 13.5649% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $267,624,000 | 2,632 |
| Average earning assets | $262,416,500 | 2,546 |
| Average equity | $34,416,000 | 2,098 |
| Average total loans | $212,987,000 | 2,223 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 2,835 |
| Cost of funding earning assets | 0.6637% | 681 |
| Net interest margin | 2.9235% | 3,621 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.7660% | 1,395 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.3499% | 4,315 |
| Return on assets (ROA) | 0.3499% | 4,281 |
| Pretax return on assets | 0.3745% | 4,306 |
| Return on Equity (ROE) | 3.1700% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.1734% | 3,675 |
| Net charge-offs to loans | -0.0313% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.0648% | 537 |
| Assets per employee ($millions) | 6.6554% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,292 |
| Loan loss allowance to noncurrent loans | 393.9114% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 2,150 |
| Noncurrent loans to loans | 0.2572% | 2,241 |
| Net loans and leases to total assets | 78.3500% | 763 |
| Net loans and leases to deposits | 92.0879% | 910 |
| Net loans and leases to core deposits | 100.3464% | 986 |
| Total domestic deposits to total assets | 85.0900% | 2,972 |
| Equity capital to assets | 12.8727% | 726 |
| Core capital (leverage) ratio | 13.9071% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $235,217,400 | 2,818 |
| Average earning assets | $230,508,800 | 2,730 |
| Average equity | $25,934,000 | 2,534 |
| Average total loans | $178,652,200 | 2,388 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3509% | 3,050 |
| Cost of funding earning assets | 0.5001% | 754 |
| Net interest margin | 2.8509% | 3,619 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.7807% | 1,284 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.2638% | 4,421 |
| Return on assets (ROA) | 0.2638% | 4,384 |
| Pretax return on assets | 0.2872% | 4,389 |
| Return on Equity (ROE) | 2.5200% | 4,356 |
| Retained earnings to average equity (ytd only) | 2.5156% | 3,913 |
| Net charge-offs to loans | -0.0438% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.0933% | 492 |
| Assets per employee ($millions) | 6.5084% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,456 |
| Loan loss allowance to noncurrent loans | 367.3835% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 2,179 |
| Noncurrent loans to loans | 0.2735% | 2,279 |
| Net loans and leases to total assets | 77.5900% | 742 |
| Net loans and leases to deposits | 88.6274% | 987 |
| Net loans and leases to core deposits | 96.1506% | 991 |
| Total domestic deposits to total assets | 87.5500% | 2,579 |
| Equity capital to assets | 12.3233% | 814 |
| Core capital (leverage) ratio | 12.0267% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $227,468,000 | 2,880 |
| Average earning assets | $222,896,500 | 2,807 |
| Average equity | $23,850,250 | 2,696 |
| Average total loans | $170,633,500 | 2,451 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1258% | 3,242 |
| Cost of funding earning assets | 0.3894% | 988 |
| Net interest margin | 2.7364% | 3,624 |
| Noninterest income to average assets | 0.5201% | 2,086 |
| Noninterest expense to average assets | 2.8516% | 1,074 |
| Loan and lease loss provision to assets | 0.1496% | 636 |
| Net operating income to assets | 0.1801% | 4,448 |
| Return on assets (ROA) | 0.1801% | 4,410 |
| Pretax return on assets | 0.1995% | 4,412 |
| Return on Equity (ROE) | 1.8478% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.8478% | 3,797 |
| Net charge-offs to loans | -0.0702% | 4,350 |
| Credit loss provision to net charge-offs | -289.2857% | 3,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1962% | 485 |
| Assets per employee ($millions) | 6.4102% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,417 |
| Loan loss allowance to noncurrent loans | 340.1060% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,129 |
| Noncurrent loans to loans | 0.3064% | 2,234 |
| Net loans and leases to total assets | 77.0679% | 631 |
| Net loans and leases to deposits | 87.7009% | 857 |
| Net loans and leases to core deposits | 95.9920% | 829 |
| Total domestic deposits to total assets | 87.8758% | 2,624 |
| Equity capital to assets | 12.0306% | 861 |
| Core capital (leverage) ratio | 13.3803% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,511,667 | 2,976 |
| Average earning assets | $212,105,667 | 2,901 |
| Average equity | $21,106,333 | 2,965 |
| Average total loans | $159,496,000 | 2,554 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0139% | 3,214 |
| Cost of funding earning assets | 0.3386% | 1,300 |
| Net interest margin | 2.6753% | 3,459 |
| Noninterest income to average assets | 0.4249% | 2,528 |
| Noninterest expense to average assets | 2.8364% | 1,087 |
| Loan and lease loss provision to assets | 0.1009% | 826 |
| Net operating income to assets | 0.1086% | 4,457 |
| Return on assets (ROA) | 0.1086% | 4,428 |
| Pretax return on assets | 0.1086% | 4,437 |
| Return on Equity (ROE) | 1.2879% | 4,377 |
| Retained earnings to average equity (ytd only) | 1.2879% | 3,754 |
| Net charge-offs to loans | -0.1416% | 4,540 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1656% | 458 |
| Assets per employee ($millions) | 6.4155% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,122 |
| Loan loss allowance to noncurrent loans | 251.5278% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 1,797 |
| Noncurrent loans to loans | 0.4555% | 1,885 |
| Net loans and leases to total assets | 71.6413% | 868 |
| Net loans and leases to deposits | 77.7562% | 1,306 |
| Net loans and leases to core deposits | 83.4365% | 1,274 |
| Total domestic deposits to total assets | 92.1358% | 524 |
| Equity capital to assets | 7.8152% | 3,719 |
| Core capital (leverage) ratio | 8.6286% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,178,500 | 3,066 |
| Average earning assets | $201,994,500 | 2,999 |
| Average equity | $17,392,500 | 3,366 |
| Average total loans | $146,887,500 | 2,671 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1817% | 3,514 |
| Cost of funding earning assets | 0.3345% | 2,072 |
| Net interest margin | 2.8472% | 3,569 |
| Noninterest income to average assets | 0.6596% | 1,906 |
| Noninterest expense to average assets | 3.1564% | 777 |
| Loan and lease loss provision to assets | 0.2288% | 434 |
| Net operating income to assets | 0.0561% | 4,656 |
| Return on assets (ROA) | 0.0561% | 4,665 |
| Pretax return on assets | 0.0561% | 4,667 |
| Return on Equity (ROE) | 0.5847% | 4,646 |
| Retained earnings to average equity (ytd only) | 0.5847% | 4,352 |
| Net charge-offs to loans | 0.0131% | 2,076 |
| Credit loss provision to net charge-offs | 2,625.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 32.6875% | 1,549 |
| Efficiency ratio | 90.7566% | 308 |
| Assets per employee ($millions) | 5.3953% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,581 |
| Loan loss allowance to noncurrent loans | 236.4266% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 1,735 |
| Noncurrent loans to loans | 0.5321% | 1,799 |
| Net loans and leases to total assets | 68.9842% | 1,149 |
| Net loans and leases to deposits | 76.0125% | 1,565 |
| Net loans and leases to core deposits | 80.5400% | 1,552 |
| Total domestic deposits to total assets | 90.7537% | 603 |
| Equity capital to assets | 9.1325% | 3,479 |
| Core capital (leverage) ratio | 8.3489% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,592,600 | 3,178 |
| Average earning assets | $179,368,600 | 3,100 |
| Average equity | $17,615,800 | 3,416 |
| Average total loans | $122,414,800 | 2,929 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 3,592 |
| Cost of funding earning assets | 0.3094% | 2,505 |
| Net interest margin | 2.8976% | 3,558 |
| Noninterest income to average assets | 0.6205% | 2,131 |
| Noninterest expense to average assets | 3.1672% | 750 |
| Loan and lease loss provision to assets | 0.3056% | 258 |
| Net operating income to assets | -0.0228% | 4,752 |
| Return on assets (ROA) | -0.0228% | 4,762 |
| Pretax return on assets | -0.0228% | 4,758 |
| Return on Equity (ROE) | -0.2350% | 4,764 |
| Retained earnings to average equity (ytd only) | -0.2350% | 4,588 |
| Net charge-offs to loans | 0.0269% | 1,508 |
| Credit loss provision to net charge-offs | 1,729.1667% | 364 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,851 |
| Efficiency ratio | 90.8159% | 299 |
| Assets per employee ($millions) | 5.7826% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,521 |
| Loan loss allowance to noncurrent loans | 345.7143% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 2,600 |
| Noncurrent loans to loans | 0.3742% | 2,440 |
| Net loans and leases to total assets | 62.0905% | 1,992 |
| Net loans and leases to deposits | 67.9456% | 2,438 |
| Net loans and leases to core deposits | 71.6690% | 2,452 |
| Total domestic deposits to total assets | 91.3826% | 264 |
| Equity capital to assets | 8.5026% | 4,211 |
| Core capital (leverage) ratio | 9.1722% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,933,250 | 3,236 |
| Average earning assets | $176,693,500 | 3,154 |
| Average equity | $17,585,250 | 3,462 |
| Average total loans | $119,094,750 | 3,000 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1324% | 3,797 |
| Cost of funding earning assets | 0.2983% | 2,788 |
| Net interest margin | 2.8341% | 3,713 |
| Noninterest income to average assets | 0.6424% | 2,028 |
| Noninterest expense to average assets | 3.2435% | 671 |
| Loan and lease loss provision to assets | 0.4504% | 125 |
| Net operating income to assets | -0.2875% | 4,839 |
| Return on assets (ROA) | -0.2875% | 4,843 |
| Pretax return on assets | -0.2875% | 4,843 |
| Return on Equity (ROE) | -2.8153% | 4,854 |
| Retained earnings to average equity (ytd only) | -2.8153% | 4,709 |
| Net charge-offs to loans | 0.0261% | 1,428 |
| Credit loss provision to net charge-offs | 2,580.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,841 |
| Efficiency ratio | 94.1578% | 251 |
| Assets per employee ($millions) | 5.4785% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,449 |
| Loan loss allowance to noncurrent loans | 275.4934% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 2,126 |
| Noncurrent loans to loans | 0.4711% | 2,264 |
| Net loans and leases to total assets | 70.4670% | 1,147 |
| Net loans and leases to deposits | 78.0807% | 1,616 |
| Net loans and leases to core deposits | 82.5769% | 1,673 |
| Total domestic deposits to total assets | 90.2490% | 671 |
| Equity capital to assets | 9.6277% | 3,220 |
| Core capital (leverage) ratio | 9.7881% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,853,667 | 3,319 |
| Average earning assets | $167,604,333 | 3,245 |
| Average equity | $17,547,000 | 3,470 |
| Average total loans | $115,143,333 | 3,052 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8746% | 4,289 |
| Cost of funding earning assets | 0.2943% | 3,053 |
| Net interest margin | 2.5802% | 4,185 |
| Noninterest income to average assets | 0.6022% | 2,198 |
| Noninterest expense to average assets | 3.2524% | 647 |
| Loan and lease loss provision to assets | 0.6070% | 95 |
| Net operating income to assets | -0.7432% | 4,912 |
| Return on assets (ROA) | -0.7432% | 4,912 |
| Pretax return on assets | -0.7432% | 4,910 |
| Return on Equity (ROE) | -7.0612% | 4,915 |
| Retained earnings to average equity (ytd only) | -7.0612% | 4,747 |
| Net charge-offs to loans | 0.0518% | 987 |
| Credit loss provision to net charge-offs | 1,814.2857% | 262 |
| Earnings coverage of net charge-offs (x) | -4.0714% | 1,913 |
| Efficiency ratio | 103.2209% | 159 |
| Assets per employee ($millions) | 5.5970% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,460 |
| Loan loss allowance to noncurrent loans | 195.5640% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 1,969 |
| Noncurrent loans to loans | 0.6622% | 1,919 |
| Net loans and leases to total assets | 65.6667% | 1,836 |
| Net loans and leases to deposits | 72.8557% | 2,229 |
| Net loans and leases to core deposits | 77.0255% | 2,267 |
| Total domestic deposits to total assets | 90.1325% | 758 |
| Equity capital to assets | 9.7207% | 2,980 |
| Core capital (leverage) ratio | 10.4139% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,385,000 | 3,364 |
| Average earning assets | $163,085,000 | 3,282 |
| Average equity | $17,617,500 | 3,460 |
| Average total loans | $108,178,500 | 3,155 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 4,136 |
| Cost of funding earning assets | 0.3751% | 3,737 |
| Net interest margin | 3.0647% | 3,713 |
| Noninterest income to average assets | 0.4588% | 2,825 |
| Noninterest expense to average assets | 4.1776% | 319 |
| Loan and lease loss provision to assets | 0.8337% | 142 |
| Net operating income to assets | -1.5967% | 4,948 |
| Return on assets (ROA) | -1.5967% | 4,949 |
| Pretax return on assets | -1.5967% | 4,946 |
| Return on Equity (ROE) | -10.5141% | 4,947 |
| Retained earnings to average equity (ytd only) | -10.5141% | 4,916 |
| Net charge-offs to loans | 0.0028% | 3,279 |
| Credit loss provision to net charge-offs | 50,700.0000% | 20 |
| Earnings coverage of net charge-offs (x) | -464.0000% | 3,442 |
| Efficiency ratio | 120.8765% | 78 |
| Assets per employee ($millions) | 4.8646% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,231 |
| Loan loss allowance to noncurrent loans | 727.9330% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 3,160 |
| Noncurrent loans to loans | 0.1842% | 3,555 |
| Net loans and leases to total assets | 61.6059% | 2,656 |
| Net loans and leases to deposits | 69.6897% | 2,915 |
| Net loans and leases to core deposits | 74.4172% | 2,874 |
| Total domestic deposits to total assets | 88.4002% | 1,277 |
| Equity capital to assets | 11.4507% | 1,924 |
| Core capital (leverage) ratio | 12.0567% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,624,800 | 3,727 |
| Average earning assets | $117,304,000 | 3,658 |
| Average equity | $18,470,400 | 3,327 |
| Average total loans | $70,272,600 | 3,727 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,521 |
| Cost of funding earning assets | 0.3970% | 3,822 |
| Net interest margin | 3.4171% | 2,857 |
| Noninterest income to average assets | 0.4420% | 2,880 |
| Noninterest expense to average assets | 4.5180% | 251 |
| Loan and lease loss provision to assets | 1.0282% | 128 |
| Net operating income to assets | -1.8164% | 4,983 |
| Return on assets (ROA) | -1.8164% | 4,984 |
| Pretax return on assets | -1.8164% | 4,979 |
| Return on Equity (ROE) | -11.0275% | 4,970 |
| Retained earnings to average equity (ytd only) | -11.0275% | 4,942 |
| Net charge-offs to loans | 0.3169% | 500 |
| Credit loss provision to net charge-offs | 577.4834% | 1,181 |
| Earnings coverage of net charge-offs (x) | -4.4305% | 3,185 |
| Efficiency ratio | 119.6903% | 78 |
| Assets per employee ($millions) | 4.4435% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,025 |
| Loan loss allowance to noncurrent loans | 289.1429% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 2,634 |
| Noncurrent loans to loans | 0.3914% | 2,891 |
| Net loans and leases to total assets | 62.1772% | 2,986 |
| Net loans and leases to deposits | 71.4196% | 3,185 |
| Net loans and leases to core deposits | 77.2169% | 3,076 |
| Total domestic deposits to total assets | 87.0590% | 1,645 |
| Equity capital to assets | 12.8376% | 1,253 |
| Core capital (leverage) ratio | 12.2885% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,114,250 | 3,830 |
| Average earning assets | $108,821,750 | 3,777 |
| Average equity | $18,631,750 | 3,314 |
| Average total loans | $63,540,000 | 3,871 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 3,776 |
| Cost of funding earning assets | 0.4453% | 3,815 |
| Net interest margin | 3.3892% | 3,136 |
| Noninterest income to average assets | 0.4796% | 2,653 |
| Noninterest expense to average assets | 5.2194% | 172 |
| Loan and lease loss provision to assets | 1.3962% | 100 |
| Net operating income to assets | -2.8833% | 5,032 |
| Return on assets (ROA) | -2.8833% | 5,030 |
| Pretax return on assets | -2.8833% | 5,029 |
| Return on Equity (ROE) | -15.8975% | 5,022 |
| Retained earnings to average equity (ytd only) | -15.8975% | 4,990 |
| Net charge-offs to loans | 0.1821% | 830 |
| Credit loss provision to net charge-offs | 1,444.0000% | 615 |
| Earnings coverage of net charge-offs (x) | -15.3800% | 2,993 |
| Efficiency ratio | 138.2383% | 53 |
| Assets per employee ($millions) | 3.7335% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,838 |
| Loan loss allowance to noncurrent loans | 122.9885% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 1,746 |
| Noncurrent loans to loans | 0.9252% | 1,668 |
| Net loans and leases to total assets | 67.9093% | 2,371 |
| Net loans and leases to deposits | 80.1097% | 2,411 |
| Net loans and leases to core deposits | 82.7349% | 2,719 |
| Total domestic deposits to total assets | 84.7703% | 2,483 |
| Equity capital to assets | 14.8384% | 652 |
| Core capital (leverage) ratio | 14.8592% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,421,667 | 3,950 |
| Average earning assets | $99,256,667 | 3,889 |
| Average equity | $18,757,667 | 3,292 |
| Average total loans | $54,912,333 | 4,036 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 4,744 |
| Cost of funding earning assets | 0.6127% | 3,368 |
| Net interest margin | 2.7775% | 4,590 |
| Noninterest income to average assets | 0.4875% | 2,619 |
| Noninterest expense to average assets | 5.8463% | 158 |
| Loan and lease loss provision to assets | 0.7655% | 330 |
| Net operating income to assets | -3.4684% | 5,081 |
| Return on assets (ROA) | -3.4684% | 5,073 |
| Pretax return on assets | -3.4684% | 5,063 |
| Return on Equity (ROE) | -17.0777% | 5,045 |
| Retained earnings to average equity (ytd only) | -17.0777% | 4,926 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.9456% | 32 |
| Assets per employee ($millions) | 3.3460% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 3,895 |
| Loan loss allowance to noncurrent loans | 86.0806% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,251 |
| Noncurrent loans to loans | 1.1138% | 1,485 |
| Net loans and leases to total assets | 46.8089% | 4,390 |
| Net loans and leases to deposits | 57.0930% | 4,317 |
| Net loans and leases to core deposits | 59.2189% | 4,390 |
| Total domestic deposits to total assets | 81.9872% | 3,423 |
| Equity capital to assets | 17.9039% | 362 |
| Core capital (leverage) ratio | 19.1256% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,529,000 | 4,080 |
| Average earning assets | $89,434,500 | 4,031 |
| Average equity | $18,995,500 | 3,270 |
| Average total loans | $40,052,500 | 4,377 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 4,503 |
| Cost of funding earning assets | 0.3890% | 4,478 |
| Net interest margin | 3.4622% | 3,557 |
| Noninterest income to average assets | 0.3622% | 3,538 |
| Noninterest expense to average assets | 6.4530% | 126 |
| Loan and lease loss provision to assets | 0.5830% | 206 |
| Net operating income to assets | -3.5121% | 5,154 |
| Return on assets (ROA) | -2.9270% | 5,145 |
| Pretax return on assets | -2.9191% | 5,144 |
| Return on Equity (ROE) | -11.1500% | 5,127 |
| Retained earnings to average equity (ytd only) | -11.1500% | 5,080 |
| Net charge-offs to loans | 0.1376% | 1,408 |
| Credit loss provision to net charge-offs | 1,172.0000% | 296 |
| Earnings coverage of net charge-offs (x) | -58.7200% | 3,713 |
| Efficiency ratio | 180.3944% | 25 |
| Assets per employee ($millions) | 2.7787% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,178 |
| Loan loss allowance to noncurrent loans | 50.0956% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 1,850 |
| Noncurrent loans to loans | 1.6826% | 821 |
| Net loans and leases to total assets | 36.9722% | 4,819 |
| Net loans and leases to deposits | 48.2837% | 4,735 |
| Net loans and leases to core deposits | 48.5133% | 4,781 |
| Total domestic deposits to total assets | 76.5727% | 4,537 |
| Equity capital to assets | 23.3301% | 150 |
| Core capital (leverage) ratio | 25.3547% | 118 |
| Tier 1 risk-based capital ratio | 47.9408% | 148 |
| Total risk-based capital ratio | 48.6064% | 153 |
| Memoranda: | ||
| Average total assets | $50,255,400 | 4,740 |
| Average earning assets | $46,011,000 | 4,750 |
| Average equity | $13,192,800 | 3,871 |
| Average total loans | $18,168,200 | 4,903 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 4,037 |
| Cost of funding earning assets | 0.2654% | 4,887 |
| Net interest margin | 3.8857% | 2,310 |
| Noninterest income to average assets | 0.2827% | 4,051 |
| Noninterest expense to average assets | 10.5923% | 66 |
| Loan and lease loss provision to assets | 0.5812% | 199 |
| Net operating income to assets | -7.4035% | 5,251 |
| Return on assets (ROA) | -7.4035% | 5,251 |
| Pretax return on assets | -7.4035% | 5,251 |
| Return on Equity (ROE) | -26.7256% | 5,238 |
| Retained earnings to average equity (ytd only) | -26.7256% | 5,225 |
| Net charge-offs to loans | -0.0625% | 4,887 |
| Credit loss provision to net charge-offs | -2,614.2857% | 4,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 278.8543% | 13 |
| Assets per employee ($millions) | 2.3740% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,032 |
| Loan loss allowance to noncurrent loans | 41.9134% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 1,352 |
| Noncurrent loans to loans | 2.1534% | 607 |
| Net loans and leases to total assets | 31.5169% | 5,025 |
| Net loans and leases to deposits | 45.9899% | 4,873 |
| Net loans and leases to core deposits | 46.7606% | 4,905 |
| Total domestic deposits to total assets | 68.5299% | 5,051 |
| Equity capital to assets | 31.1627% | 66 |
| Core capital (leverage) ratio | 34.5559% | 60 |
| Tier 1 risk-based capital ratio | 77.1152% | 58 |
| Total risk-based capital ratio | 77.8611% | 58 |
| Memoranda: | ||
| Average total assets | $41,979,250 | 4,940 |
| Average earning assets | $37,675,500 | 4,942 |
| Average equity | $11,629,000 | 4,082 |
| Average total loans | $14,939,750 | 5,044 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 2,892 |
| Cost of funding earning assets | 0.2308% | 5,008 |
| Net interest margin | 4.3064% | 1,129 |
| Noninterest income to average assets | 0.3179% | 3,803 |
| Noninterest expense to average assets | 12.7146% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -8.6228% | 5,300 |
| Return on assets (ROA) | -8.6228% | 5,300 |
| Pretax return on assets | -8.6228% | 5,300 |
| Return on Equity (ROE) | -33.7289% | 5,291 |
| Retained earnings to average equity (ytd only) | -33.7289% | 5,279 |
| Net charge-offs to loans | -0.0914% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 309.3220% | 9 |
| Assets per employee ($millions) | 2.0248% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 1,523 |
| Noncurrent loans to loans | 1.9077% | 771 |
| Net loans and leases to total assets | 25.5502% | 5,158 |
| Net loans and leases to deposits | 45.3503% | 4,923 |
| Net loans and leases to core deposits | 46.0898% | 4,957 |
| Total domestic deposits to total assets | 56.3398% | 5,231 |
| Equity capital to assets | 42.8872% | 44 |
| Core capital (leverage) ratio | 64.8348% | 33 |
| Tier 1 risk-based capital ratio | 115.2531% | 39 |
| Total risk-based capital ratio | 115.2531% | 39 |
| Memoranda: | ||
| Average total assets | $34,606,000 | 5,085 |
| Average earning assets | $30,326,670 | 5,097 |
| Average equity | $8,847,000 | 4,460 |
| Average total loans | $13,124,330 | 5,126 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2513% | 824 |
| Cost of funding earning assets | 0.2834% | 4,889 |
| Net interest margin | 4.9679% | 298 |
| Noninterest income to average assets | 0.3074% | 3,818 |
| Noninterest expense to average assets | 4.0107% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4612% | 4,619 |
| Return on assets (ROA) | 0.4612% | 4,636 |
| Pretax return on assets | 0.4612% | 4,759 |
| Return on Equity (ROE) | 4.0195% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.8977% | 3,354 |
| Net charge-offs to loans | -0.1747% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6875% | 407 |
| Assets per employee ($millions) | 2.3720% | 5,216 |
| Cash dividends to net income (ytd only)* | 3.0303% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,427 |
| Loan loss allowance to noncurrent loans | 25.5898% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 3.3973% | 161 |
| Noncurrent loans to loans | 4.0860% | 181 |
| Net loans and leases to total assets | 46.8803% | 4,628 |
| Net loans and leases to deposits | 53.0957% | 4,711 |
| Net loans and leases to core deposits | 54.6549% | 4,758 |
| Total domestic deposits to total assets | 88.2940% | 1,194 |
| Equity capital to assets | 11.5936% | 2,314 |
| Core capital (leverage) ratio | 11.7079% | 1,974 |
| Tier 1 risk-based capital ratio | 26.6645% | 643 |
| Total risk-based capital ratio | 27.8038% | 641 |
| Memoranda: | ||
| Average total assets | $28,623,500 | 5,214 |
| Average earning assets | $23,994,000 | 5,228 |
| Average equity | $3,284,000 | 5,227 |
| Average total loans | $13,737,000 | 5,173 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 354 |
| Cost of funding earning assets | 0.3164% | 4,491 |
| Net interest margin | 5.2423% | 174 |
| Noninterest income to average assets | 0.2662% | 4,332 |
| Noninterest expense to average assets | 4.2584% | 381 |
| Loan and lease loss provision to assets | 0.0683% | 2,776 |
| Net operating income to assets | 0.3489% | 4,947 |
| Return on assets (ROA) | 0.3489% | 4,944 |
| Pretax return on assets | 0.3489% | 5,004 |
| Return on Equity (ROE) | 2.9968% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.9968% | 3,902 |
| Net charge-offs to loans | 0.2112% | 908 |
| Credit loss provision to net charge-offs | 61.2903% | 3,088 |
| Earnings coverage of net charge-offs (x) | 3.7419% | 3,383 |
| Efficiency ratio | 91.0769% | 307 |
| Assets per employee ($millions) | 2.2141% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,882 |
| Loan loss allowance to noncurrent loans | 17.3745% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 4.1761% | 102 |
| Noncurrent loans to loans | 5.5544% | 90 |
| Net loans and leases to total assets | 48.1326% | 4,626 |
| Net loans and leases to deposits | 54.3294% | 4,738 |
| Net loans and leases to core deposits | 55.9645% | 4,779 |
| Total domestic deposits to total assets | 88.5940% | 1,030 |
| Equity capital to assets | 11.3539% | 2,369 |
| Core capital (leverage) ratio | 11.7233% | 1,932 |
| Tier 1 risk-based capital ratio | 25.5612% | 702 |
| Total risk-based capital ratio | 26.6171% | 703 |
| Memoranda: | ||
| Average total assets | $27,803,800 | 5,269 |
| Average earning assets | $23,386,800 | 5,280 |
| Average equity | $3,236,800 | 5,265 |
| Average total loans | $14,680,200 | 5,200 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7052% | 256 |
| Cost of funding earning assets | 0.3166% | 4,401 |
| Net interest margin | 5.3886% | 129 |
| Noninterest income to average assets | 0.2951% | 4,175 |
| Noninterest expense to average assets | 4.2284% | 384 |
| Loan and lease loss provision to assets | 0.0581% | 2,816 |
| Net operating income to assets | 0.5370% | 4,677 |
| Return on assets (ROA) | 0.5370% | 4,685 |
| Pretax return on assets | 0.5370% | 4,842 |
| Return on Equity (ROE) | 4.5835% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.5835% | 3,457 |
| Net charge-offs to loans | 0.1616% | 1,023 |
| Credit loss provision to net charge-offs | 66.6667% | 2,665 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,849 |
| Efficiency ratio | 87.6630% | 424 |
| Assets per employee ($millions) | 2.2700% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,915 |
| Loan loss allowance to noncurrent loans | 28.6585% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 3.4361% | 172 |
| Noncurrent loans to loans | 3.4039% | 292 |
| Net loans and leases to total assets | 52.5441% | 4,457 |
| Net loans and leases to deposits | 59.9598% | 4,551 |
| Net loans and leases to core deposits | 63.2982% | 4,559 |
| Total domestic deposits to total assets | 87.6322% | 1,428 |
| Equity capital to assets | 12.0485% | 1,883 |
| Core capital (leverage) ratio | 11.9172% | 1,830 |
| Tier 1 risk-based capital ratio | 24.9715% | 758 |
| Total risk-based capital ratio | 26.0443% | 752 |
| Memoranda: | ||
| Average total assets | $27,559,000 | 5,341 |
| Average earning assets | $23,159,500 | 5,353 |
| Average equity | $3,229,000 | 5,332 |
| Average total loans | $14,853,000 | 5,261 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7943% | 203 |
| Cost of funding earning assets | 0.3162% | 4,301 |
| Net interest margin | 5.4781% | 112 |
| Noninterest income to average assets | 0.2892% | 4,250 |
| Noninterest expense to average assets | 4.0773% | 485 |
| Loan and lease loss provision to assets | 0.0868% | 2,181 |
| Net operating income to assets | 0.7591% | 3,999 |
| Return on assets (ROA) | 0.7591% | 4,001 |
| Pretax return on assets | 0.7591% | 4,369 |
| Return on Equity (ROE) | 6.5393% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.5393% | 2,291 |
| Net charge-offs to loans | -0.0267% | 4,699 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8194% | 778 |
| Assets per employee ($millions) | 2.3258% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,273 |
| Loan loss allowance to noncurrent loans | 75.5869% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.2358% | 429 |
| Noncurrent loans to loans | 1.4536% | 1,162 |
| Net loans and leases to total assets | 51.9240% | 4,485 |
| Net loans and leases to deposits | 58.9705% | 4,590 |
| Net loans and leases to core deposits | 59.9859% | 4,710 |
| Total domestic deposits to total assets | 88.0509% | 1,350 |
| Equity capital to assets | 11.7377% | 2,031 |
| Core capital (leverage) ratio | 11.5866% | 1,996 |
| Tier 1 risk-based capital ratio | 24.6001% | 776 |
| Total risk-based capital ratio | 25.8091% | 759 |
| Memoranda: | ||
| Average total assets | $27,665,330 | 5,402 |
| Average earning assets | $23,402,330 | 5,412 |
| Average equity | $3,211,330 | 5,396 |
| Average total loans | $14,986,000 | 5,318 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 602 |
| Cost of funding earning assets | 0.3071% | 4,301 |
| Net interest margin | 4.7772% | 359 |
| Noninterest income to average assets | 0.3195% | 4,020 |
| Noninterest expense to average assets | 3.9792% | 545 |
| Loan and lease loss provision to assets | 0.1743% | 1,003 |
| Net operating income to assets | 0.2324% | 5,209 |
| Return on assets (ROA) | 0.2324% | 5,210 |
| Pretax return on assets | 0.2324% | 5,238 |
| Return on Equity (ROE) | 2.0132% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.0132% | 4,346 |
| Net charge-offs to loans | 0.0264% | 1,972 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,285 |
| Efficiency ratio | 90.7285% | 413 |
| Assets per employee ($millions) | 2.3659% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,728 |
| Loan loss allowance to noncurrent loans | 81.4433% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.8002% | 302 |
| Noncurrent loans to loans | 1.2770% | 1,406 |
| Net loans and leases to total assets | 52.9534% | 4,373 |
| Net loans and leases to deposits | 59.7275% | 4,493 |
| Net loans and leases to core deposits | 60.7263% | 4,620 |
| Total domestic deposits to total assets | 88.6584% | 1,277 |
| Equity capital to assets | 11.2254% | 2,369 |
| Core capital (leverage) ratio | 11.5710% | 1,959 |
| Tier 1 risk-based capital ratio | 22.7675% | 963 |
| Total risk-based capital ratio | 23.8963% | 959 |
| Memoranda: | ||
| Average total assets | $27,543,000 | 5,464 |
| Average earning assets | $23,444,500 | 5,474 |
| Average equity | $3,179,000 | 5,455 |
| Average total loans | $15,152,500 | 5,373 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 449 |
| Cost of funding earning assets | 0.2997% | 4,148 |
| Net interest margin | 4.8981% | 283 |
| Noninterest income to average assets | 0.5460% | 2,741 |
| Noninterest expense to average assets | 4.4796% | 321 |
| Loan and lease loss provision to assets | 0.0929% | 2,344 |
| Net operating income to assets | 0.4049% | 4,675 |
| Return on assets (ROA) | 0.4049% | 4,697 |
| Pretax return on assets | 0.4049% | 5,083 |
| Return on Equity (ROE) | 3.4489% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.4489% | 3,217 |
| Net charge-offs to loans | 0.3005% | 867 |
| Credit loss provision to net charge-offs | 52.0833% | 3,303 |
| Earnings coverage of net charge-offs (x) | 2.7917% | 3,698 |
| Efficiency ratio | 90.0000% | 432 |
| Assets per employee ($millions) | 2.0546% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 4,091 |
| Loan loss allowance to noncurrent loans | 36.7500% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 3.7589% | 167 |
| Noncurrent loans to loans | 2.6467% | 485 |
| Net loans and leases to total assets | 56.0314% | 4,184 |
| Net loans and leases to deposits | 63.6472% | 4,335 |
| Net loans and leases to core deposits | 64.7823% | 4,482 |
| Total domestic deposits to total assets | 88.0344% | 1,480 |
| Equity capital to assets | 11.9281% | 1,887 |
| Core capital (leverage) ratio | 11.7965% | 1,729 |
| Tier 1 risk-based capital ratio | 22.4984% | 964 |
| Total risk-based capital ratio | 23.5365% | 961 |
| Memoranda: | ||
| Average total assets | $26,922,200 | 5,533 |
| Average earning assets | $24,356,400 | 5,518 |
| Average equity | $3,160,400 | 5,516 |
| Average total loans | $15,970,800 | 5,422 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 476 |
| Cost of funding earning assets | 0.2972% | 4,161 |
| Net interest margin | 4.8313% | 316 |
| Noninterest income to average assets | 0.6771% | 2,097 |
| Noninterest expense to average assets | 4.4237% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6722% | 4,111 |
| Return on assets (ROA) | 0.6722% | 4,168 |
| Pretax return on assets | 0.6722% | 4,672 |
| Return on Equity (ROE) | 5.7492% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.7492% | 2,402 |
| Net charge-offs to loans | 0.1154% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 9.7124% | 2,666 |
| Efficiency ratio | 86.8089% | 582 |
| Assets per employee ($millions) | 2.0758% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 4,012 |
| Loan loss allowance to noncurrent loans | 57.7778% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 2.8385% | 334 |
| Noncurrent loans to loans | 1.7425% | 1,030 |
| Net loans and leases to total assets | 56.8406% | 4,164 |
| Net loans and leases to deposits | 64.7570% | 4,336 |
| Net loans and leases to core deposits | 65.8977% | 4,488 |
| Total domestic deposits to total assets | 87.7751% | 1,480 |
| Equity capital to assets | 11.9062% | 2,027 |
| Core capital (leverage) ratio | 11.7740% | 1,834 |
| Tier 1 risk-based capital ratio | 22.4748% | 996 |
| Total risk-based capital ratio | 23.5660% | 990 |
| Memoranda: | ||
| Average total assets | $26,975,250 | 5,592 |
| Average earning assets | $24,671,750 | 5,577 |
| Average equity | $3,154,000 | 5,580 |
| Average total loans | $16,185,250 | 5,474 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 510 |
| Cost of funding earning assets | 0.2918% | 4,165 |
| Net interest margin | 4.7742% | 343 |
| Noninterest income to average assets | 0.8898% | 1,299 |
| Noninterest expense to average assets | 4.5010% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7563% | 3,604 |
| Return on assets (ROA) | 0.7563% | 3,655 |
| Pretax return on assets | 0.7563% | 4,418 |
| Return on Equity (ROE) | 6.5086% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.5086% | 1,842 |
| Net charge-offs to loans | 0.0244% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 1,061 |
| Efficiency ratio | 85.6135% | 723 |
| Assets per employee ($millions) | 1.9876% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,775 |
| Loan loss allowance to noncurrent loans | 70.8861% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.4689% | 449 |
| Noncurrent loans to loans | 1.4984% | 1,254 |
| Net loans and leases to total assets | 56.2388% | 4,205 |
| Net loans and leases to deposits | 63.6552% | 4,391 |
| Net loans and leases to core deposits | 64.7295% | 4,557 |
| Total domestic deposits to total assets | 88.3490% | 1,278 |
| Equity capital to assets | 11.4246% | 2,394 |
| Core capital (leverage) ratio | 11.5474% | 1,936 |
| Tier 1 risk-based capital ratio | 22.3166% | 1,014 |
| Total risk-based capital ratio | 23.4960% | 1,001 |
| Memoranda: | ||
| Average total assets | $26,971,670 | 5,636 |
| Average earning assets | $24,674,330 | 5,624 |
| Average equity | $3,134,330 | 5,627 |
| Average total loans | $16,415,330 | 5,518 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 477 |
| Cost of funding earning assets | 0.2957% | 4,093 |
| Net interest margin | 4.7645% | 329 |
| Noninterest income to average assets | 1.3864% | 552 |
| Noninterest expense to average assets | 4.7166% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0398% | 2,116 |
| Return on assets (ROA) | 1.0398% | 2,167 |
| Pretax return on assets | 1.0398% | 3,198 |
| Return on Equity (ROE) | 8.8689% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.8689% | 1,122 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9372% | 1,167 |
| Assets per employee ($millions) | 1.8976% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 4,042 |
| Loan loss allowance to noncurrent loans | 93.4066% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 2.3789% | 509 |
| Noncurrent loans to loans | 1.1119% | 1,839 |
| Net loans and leases to total assets | 60.9741% | 3,667 |
| Net loans and leases to deposits | 69.2828% | 3,872 |
| Net loans and leases to core deposits | 70.4979% | 4,110 |
| Total domestic deposits to total assets | 88.0077% | 1,709 |
| Equity capital to assets | 11.8418% | 1,947 |
| Core capital (leverage) ratio | 11.7660% | 1,778 |
| Tier 1 risk-based capital ratio | 21.4305% | 1,157 |
| Total risk-based capital ratio | 22.5886% | 1,149 |
| Memoranda: | ||
| Average total assets | $26,544,500 | 5,710 |
| Average earning assets | $24,346,500 | 5,692 |
| Average equity | $3,112,000 | 5,689 |
| Average total loans | $16,714,500 | 5,558 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 304 |
| Cost of funding earning assets | 0.3187% | 3,858 |
| Net interest margin | 5.0606% | 226 |
| Noninterest income to average assets | 0.4891% | 3,307 |
| Noninterest expense to average assets | 4.6917% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2784% | 5,264 |
| Return on assets (ROA) | 0.4741% | 4,806 |
| Pretax return on assets | 0.4741% | 5,082 |
| Return on Equity (ROE) | 4.0814% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.0814% | 3,013 |
| Net charge-offs to loans | 0.3181% | 864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.3455% | 3,997 |
| Efficiency ratio | 94.3982% | 368 |
| Assets per employee ($millions) | 1.8996% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 5,579 |
| Loan loss allowance to noncurrent loans | 16.0596% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 4.1286% | 182 |
| Noncurrent loans to loans | 3.5404% | 334 |
| Net loans and leases to total assets | 63.7827% | 3,383 |
| Net loans and leases to deposits | 72.3863% | 3,673 |
| Net loans and leases to core deposits | 73.6465% | 3,950 |
| Total domestic deposits to total assets | 88.1143% | 1,583 |
| Equity capital to assets | 11.8481% | 1,908 |
| Core capital (leverage) ratio | 11.7024% | 1,787 |
| Tier 1 risk-based capital ratio | 20.7658% | 1,251 |
| Total risk-based capital ratio | 21.4050% | 1,323 |
| Memoranda: | ||
| Average total assets | $26,578,800 | 5,764 |
| Average earning assets | $23,534,800 | 5,751 |
| Average equity | $3,087,200 | 5,750 |
| Average total loans | $17,290,400 | 5,604 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 199 |
| Cost of funding earning assets | 0.3199% | 3,869 |
| Net interest margin | 5.3476% | 139 |
| Noninterest income to average assets | 0.4415% | 3,619 |
| Noninterest expense to average assets | 4.7362% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4014% | 5,008 |
| Return on assets (ROA) | 0.6623% | 4,152 |
| Pretax return on assets | 0.6623% | 4,707 |
| Return on Equity (ROE) | 5.7306% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.7306% | 2,340 |
| Net charge-offs to loans | 0.4227% | 509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 3,690 |
| Efficiency ratio | 92.1875% | 454 |
| Assets per employee ($millions) | 1.8981% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5674% | 5,645 |
| Loan loss allowance to noncurrent loans | 20.5508% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 3.4697% | 288 |
| Noncurrent loans to loans | 2.7610% | 587 |
| Net loans and leases to total assets | 63.9672% | 3,406 |
| Net loans and leases to deposits | 72.8590% | 3,717 |
| Net loans and leases to core deposits | 74.1267% | 3,989 |
| Total domestic deposits to total assets | 87.7959% | 1,508 |
| Equity capital to assets | 11.8805% | 2,197 |
| Core capital (leverage) ratio | 11.7156% | 1,872 |
| Tier 1 risk-based capital ratio | 21.6277% | 1,177 |
| Total risk-based capital ratio | 22.2923% | 1,244 |
| Memoranda: | ||
| Average total assets | $26,574,750 | 5,825 |
| Average earning assets | $23,337,000 | 5,815 |
| Average equity | $3,071,250 | 5,812 |
| Average total loans | $17,348,000 | 5,657 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6000% | 218 |
| Cost of funding earning assets | 0.3116% | 4,002 |
| Net interest margin | 5.2884% | 150 |
| Noninterest income to average assets | 0.4139% | 3,790 |
| Noninterest expense to average assets | 4.7939% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3462% | 5,189 |
| Return on assets (ROA) | 0.3462% | 5,271 |
| Pretax return on assets | 0.3462% | 5,424 |
| Return on Equity (ROE) | 3.0237% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.0237% | 3,990 |
| Net charge-offs to loans | 0.6195% | 335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.8519% | 3,478 |
| Efficiency ratio | 93.2650% | 438 |
| Assets per employee ($millions) | 1.9551% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5584% | 5,738 |
| Loan loss allowance to noncurrent loans | 36.9811% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 2.8717% | 434 |
| Noncurrent loans to loans | 1.5101% | 1,451 |
| Net loans and leases to total assets | 63.7573% | 3,401 |
| Net loans and leases to deposits | 72.0015% | 3,788 |
| Net loans and leases to core deposits | 73.2005% | 4,058 |
| Total domestic deposits to total assets | 88.5499% | 1,144 |
| Equity capital to assets | 11.2199% | 2,829 |
| Core capital (leverage) ratio | 11.4500% | 2,028 |
| Tier 1 risk-based capital ratio | 20.1761% | 1,418 |
| Total risk-based capital ratio | 20.8199% | 1,509 |
| Memoranda: | ||
| Average total assets | $26,575,330 | 5,895 |
| Average earning assets | $23,750,000 | 5,883 |
| Average equity | $3,042,670 | 5,888 |
| Average total loans | $17,432,330 | 5,720 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 223 |
| Cost of funding earning assets | 0.3250% | 3,898 |
| Net interest margin | 5.2690% | 157 |
| Noninterest income to average assets | 0.3973% | 3,851 |
| Noninterest expense to average assets | 4.9967% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1070% | 5,673 |
| Return on assets (ROA) | 0.1070% | 5,717 |
| Pretax return on assets | 0.1070% | 5,730 |
| Return on Equity (ROE) | 0.9246% | 5,705 |
| Retained earnings to average equity (ytd only) | 0.9246% | 4,866 |
| Net charge-offs to loans | 1.2432% | 145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.1296% | 2,963 |
| Efficiency ratio | 97.9042% | 343 |
| Assets per employee ($millions) | 1.8798% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5688% | 5,791 |
| Loan loss allowance to noncurrent loans | 26.2032% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 3.6668% | 291 |
| Noncurrent loans to loans | 2.1706% | 955 |
| Net loans and leases to total assets | 65.0986% | 3,093 |
| Net loans and leases to deposits | 73.6892% | 3,470 |
| Net loans and leases to core deposits | 74.9628% | 3,794 |
| Total domestic deposits to total assets | 88.3421% | 1,442 |
| Equity capital to assets | 11.5211% | 2,425 |
| Core capital (leverage) ratio | 11.5809% | 1,918 |
| Tier 1 risk-based capital ratio | 20.0768% | 1,482 |
| Total risk-based capital ratio | 20.7257% | 1,584 |
| Memoranda: | ||
| Average total assets | $26,177,500 | 5,958 |
| Average earning assets | $23,382,000 | 5,947 |
| Average equity | $3,028,500 | 5,945 |
| Average total loans | $17,374,000 | 5,775 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6739% | 206 |
| Cost of funding earning assets | 0.3313% | 3,893 |
| Net interest margin | 5.3426% | 161 |
| Noninterest income to average assets | 0.3955% | 4,061 |
| Noninterest expense to average assets | 4.7802% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3993% | 5,053 |
| Return on assets (ROA) | 0.3993% | 5,132 |
| Pretax return on assets | 0.3993% | 5,321 |
| Return on Equity (ROE) | 3.5237% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.5237% | 3,554 |
| Net charge-offs to loans | 0.0511% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 2,546 |
| Efficiency ratio | 92.2907% | 558 |
| Assets per employee ($millions) | 1.8599% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 5,203 |
| Loan loss allowance to noncurrent loans | 20.8505% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 4.8007% | 189 |
| Noncurrent loans to loans | 4.1614% | 281 |
| Net loans and leases to total assets | 66.6948% | 2,884 |
| Net loans and leases to deposits | 75.4912% | 3,319 |
| Net loans and leases to core deposits | 75.4912% | 3,799 |
| Total domestic deposits to total assets | 88.3478% | 1,449 |
| Equity capital to assets | 11.6176% | 2,265 |
| Core capital (leverage) ratio | 11.6212% | 1,877 |
| Tier 1 risk-based capital ratio | 19.7030% | 1,542 |
| Total risk-based capital ratio | 20.6930% | 1,564 |
| Memoranda: | ||
| Average total assets | $26,295,800 | 6,014 |
| Average earning assets | $23,546,600 | 6,001 |
| Average equity | $2,979,800 | 6,007 |
| Average total loans | $17,627,800 | 5,802 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 210 |
| Cost of funding earning assets | 0.3322% | 3,956 |
| Net interest margin | 5.3332% | 158 |
| Noninterest income to average assets | 0.4299% | 3,866 |
| Noninterest expense to average assets | 4.7495% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4704% | 4,897 |
| Return on assets (ROA) | 0.4704% | 4,995 |
| Pretax return on assets | 0.4704% | 5,293 |
| Return on Equity (ROE) | 4.1772% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.1772% | 3,491 |
| Net charge-offs to loans | -0.0227% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9884% | 633 |
| Assets per employee ($millions) | 1.8478% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 4,993 |
| Loan loss allowance to noncurrent loans | 18.2832% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 5.4119% | 168 |
| Noncurrent loans to loans | 5.1760% | 193 |
| Net loans and leases to total assets | 66.3574% | 2,958 |
| Net loans and leases to deposits | 75.4152% | 3,380 |
| Net loans and leases to core deposits | 76.7333% | 3,719 |
| Total domestic deposits to total assets | 87.9895% | 1,563 |
| Equity capital to assets | 11.6471% | 2,379 |
| Core capital (leverage) ratio | 11.3690% | 2,133 |
| Tier 1 risk-based capital ratio | 20.0066% | 1,546 |
| Total risk-based capital ratio | 21.0956% | 1,549 |
| Memoranda: | ||
| Average total assets | $26,360,250 | 6,093 |
| Average earning assets | $23,675,250 | 6,083 |
| Average equity | $2,968,500 | 6,089 |
| Average total loans | $17,655,250 | 5,874 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 236 |
| Cost of funding earning assets | 0.3347% | 3,986 |
| Net interest margin | 5.2460% | 175 |
| Noninterest income to average assets | 0.3770% | 4,252 |
| Noninterest expense to average assets | 4.6147% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4901% | 4,816 |
| Return on assets (ROA) | 0.4901% | 4,915 |
| Pretax return on assets | 0.4901% | 5,256 |
| Return on Equity (ROE) | 4.4013% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.4013% | 3,213 |
| Net charge-offs to loans | -0.0338% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3988% | 721 |
| Assets per employee ($millions) | 1.9181% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 5,073 |
| Loan loss allowance to noncurrent loans | 34.3816% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.8989% | 345 |
| Noncurrent loans to loans | 2.7807% | 756 |
| Net loans and leases to total assets | 63.2680% | 3,374 |
| Net loans and leases to deposits | 71.3746% | 3,772 |
| Net loans and leases to core deposits | 72.5603% | 4,080 |
| Total domestic deposits to total assets | 88.6423% | 1,336 |
| Equity capital to assets | 11.1157% | 2,758 |
| Core capital (leverage) ratio | 11.1514% | 2,288 |
| Tier 1 risk-based capital ratio | 20.1010% | 1,523 |
| Total risk-based capital ratio | 21.2054% | 1,521 |
| Memoranda: | ||
| Average total assets | $26,524,000 | 6,162 |
| Average earning assets | $23,904,000 | 6,149 |
| Average equity | $2,953,670 | 6,154 |
| Average total loans | $17,763,670 | 5,937 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6250% | 217 |
| Cost of funding earning assets | 0.3348% | 4,042 |
| Net interest margin | 5.2901% | 159 |
| Noninterest income to average assets | 0.4249% | 3,805 |
| Noninterest expense to average assets | 4.6739% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5463% | 4,489 |
| Return on assets (ROA) | 0.5463% | 4,607 |
| Pretax return on assets | 0.5463% | 5,057 |
| Return on Equity (ROE) | 4.9013% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.9013% | 3,109 |
| Net charge-offs to loans | -0.0886% | 5,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5349% | 886 |
| Assets per employee ($millions) | 1.8984% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 5,409 |
| Loan loss allowance to noncurrent loans | 18.1918% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 5.1285% | 236 |
| Noncurrent loans to loans | 5.0075% | 265 |
| Net loans and leases to total assets | 67.5321% | 2,524 |
| Net loans and leases to deposits | 76.0992% | 3,043 |
| Net loans and leases to core deposits | 78.4269% | 3,332 |
| Total domestic deposits to total assets | 88.7421% | 1,429 |
| Equity capital to assets | 11.1224% | 2,840 |
| Core capital (leverage) ratio | 11.1535% | 2,262 |
| Tier 1 risk-based capital ratio | 19.2123% | 1,811 |
| Total risk-based capital ratio | 20.2847% | 1,819 |
| Memoranda: | ||
| Average total assets | $26,359,000 | 6,233 |
| Average earning assets | $23,893,500 | 6,215 |
| Average equity | $2,938,000 | 6,217 |
| Average total loans | $18,068,500 | 5,973 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7940% | 196 |
| Cost of funding earning assets | 0.3977% | 3,713 |
| Net interest margin | 5.3963% | 160 |
| Noninterest income to average assets | 0.5628% | 3,104 |
| Noninterest expense to average assets | 4.7704% | 369 |
| Loan and lease loss provision to assets | 0.0383% | 3,815 |
| Net operating income to assets | 0.5858% | 4,444 |
| Return on assets (ROA) | 0.5858% | 4,519 |
| Pretax return on assets | 0.5858% | 4,984 |
| Return on Equity (ROE) | 5.4098% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.4098% | 2,323 |
| Net charge-offs to loans | 0.1544% | 2,493 |
| Credit loss provision to net charge-offs | 35.7143% | 3,750 |
| Earnings coverage of net charge-offs (x) | 5.8214% | 3,345 |
| Efficiency ratio | 88.4315% | 954 |
| Assets per employee ($millions) | 1.7427% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 5,495 |
| Loan loss allowance to noncurrent loans | 23.5725% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 4.3571% | 365 |
| Noncurrent loans to loans | 3.7894% | 514 |
| Net loans and leases to total assets | 68.3333% | 2,507 |
| Net loans and leases to deposits | 76.9725% | 3,092 |
| Net loans and leases to core deposits | 79.2432% | 3,385 |
| Total domestic deposits to total assets | 88.7763% | 1,373 |
| Equity capital to assets | 11.1702% | 2,728 |
| Core capital (leverage) ratio | 11.2607% | 2,172 |
| Tier 1 risk-based capital ratio | 19.1250% | 1,809 |
| Total risk-based capital ratio | 20.1795% | 1,829 |
| Memoranda: | ||
| Average total assets | $26,119,200 | 6,323 |
| Average earning assets | $23,386,200 | 6,310 |
| Average equity | $2,828,200 | 6,299 |
| Average total loans | $18,139,000 | 6,038 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8180% | 188 |
| Cost of funding earning assets | 0.4054% | 3,724 |
| Net interest margin | 5.4126% | 155 |
| Noninterest income to average assets | 0.4493% | 3,899 |
| Noninterest expense to average assets | 4.7841% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5055% | 4,857 |
| Return on assets (ROA) | 0.5055% | 4,916 |
| Pretax return on assets | 0.5055% | 5,313 |
| Return on Equity (ROE) | 4.7055% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.7055% | 3,280 |
| Net charge-offs to loans | 0.2128% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.4135% | 3,661 |
| Efficiency ratio | 90.4440% | 817 |
| Assets per employee ($millions) | 1.8244% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 5,792 |
| Loan loss allowance to noncurrent loans | 29.5276% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 3.9856% | 500 |
| Noncurrent loans to loans | 2.8125% | 985 |
| Net loans and leases to total assets | 70.1276% | 2,174 |
| Net loans and leases to deposits | 79.3163% | 2,799 |
| Net loans and leases to core deposits | 81.7153% | 3,126 |
| Total domestic deposits to total assets | 88.4152% | 1,545 |
| Equity capital to assets | 11.2207% | 2,735 |
| Core capital (leverage) ratio | 10.9914% | 2,493 |
| Tier 1 risk-based capital ratio | 18.8640% | 1,941 |
| Total risk-based capital ratio | 19.8512% | 1,984 |
| Memoranda: | ||
| Average total assets | $26,113,750 | 6,401 |
| Average earning assets | $23,352,250 | 6,386 |
| Average equity | $2,805,250 | 6,375 |
| Average total loans | $18,167,750 | 6,103 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7279% | 210 |
| Cost of funding earning assets | 0.4262% | 3,592 |
| Net interest margin | 5.3017% | 170 |
| Noninterest income to average assets | 0.2889% | 5,108 |
| Noninterest expense to average assets | 4.7369% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2813% | 5,631 |
| Return on assets (ROA) | 0.2813% | 5,700 |
| Pretax return on assets | 0.2813% | 5,816 |
| Return on Equity (ROE) | 2.6571% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.6571% | 4,513 |
| Net charge-offs to loans | 0.1318% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.0833% | 3,391 |
| Efficiency ratio | 94.3939% | 624 |
| Assets per employee ($millions) | 1.7611% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 5,657 |
| Loan loss allowance to noncurrent loans | 40.3382% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 3.9143% | 559 |
| Noncurrent loans to loans | 2.2867% | 1,423 |
| Net loans and leases to total assets | 67.9058% | 2,423 |
| Net loans and leases to deposits | 76.2119% | 3,030 |
| Net loans and leases to core deposits | 78.4141% | 3,388 |
| Total domestic deposits to total assets | 89.1013% | 1,303 |
| Equity capital to assets | 10.6148% | 3,291 |
| Core capital (leverage) ratio | 10.2850% | 3,228 |
| Tier 1 risk-based capital ratio | 18.4826% | 2,075 |
| Total risk-based capital ratio | 19.5834% | 2,086 |
| Memoranda: | ||
| Average total assets | $26,304,330 | 6,462 |
| Average earning assets | $23,464,000 | 6,450 |
| Average equity | $2,785,000 | 6,432 |
| Average total loans | $18,203,000 | 6,152 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7125% | 218 |
| Cost of funding earning assets | 0.4434% | 3,499 |
| Net interest margin | 5.2691% | 165 |
| Noninterest income to average assets | 0.4419% | 3,846 |
| Noninterest expense to average assets | 4.9069% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2438% | 5,681 |
| Return on assets (ROA) | 0.2438% | 5,728 |
| Pretax return on assets | 0.2438% | 5,848 |
| Return on Equity (ROE) | 2.3059% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.1618% | 4,739 |
| Net charge-offs to loans | -0.1534% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2663% | 686 |
| Assets per employee ($millions) | 1.7776% | 6,617 |
| Cash dividends to net income (ytd only)* | 6.2500% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 5,416 |
| Loan loss allowance to noncurrent loans | 29.1994% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 5.0368% | 401 |
| Noncurrent loans to loans | 3.5164% | 825 |
| Net loans and leases to total assets | 67.2405% | 2,349 |
| Net loans and leases to deposits | 75.2560% | 2,911 |
| Net loans and leases to core deposits | 77.3969% | 3,264 |
| Total domestic deposits to total assets | 89.3489% | 1,448 |
| Equity capital to assets | 10.4373% | 3,314 |
| Core capital (leverage) ratio | 10.5102% | 2,915 |
| Tier 1 risk-based capital ratio | 18.0176% | 2,288 |
| Total risk-based capital ratio | 19.2218% | 2,288 |
| Memoranda: | ||
| Average total assets | $26,248,500 | 6,531 |
| Average earning assets | $23,457,500 | 6,513 |
| Average equity | $2,775,500 | 6,494 |
| Average total loans | $18,252,000 | 6,207 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2057% | 125 |
| Cost of funding earning assets | 0.5079% | 3,525 |
| Net interest margin | 5.6978% | 102 |
| Noninterest income to average assets | 0.0884% | 6,430 |
| Noninterest expense to average assets | 4.8112% | 404 |
| Loan and lease loss provision to assets | 0.1268% | 2,724 |
| Net operating income to assets | -0.1076% | 6,306 |
| Return on assets (ROA) | -0.1076% | 6,326 |
| Pretax return on assets | -0.1076% | 6,293 |
| Return on Equity (ROE) | -1.0043% | 6,325 |
| Retained earnings to average equity (ytd only) | -1.0043% | 6,063 |
| Net charge-offs to loans | 0.1268% | 3,548 |
| Credit loss provision to net charge-offs | 137.5000% | 1,703 |
| Earnings coverage of net charge-offs (x) | 0.2083% | 5,017 |
| Efficiency ratio | 99.6022% | 488 |
| Assets per employee ($millions) | 1.7222% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,689 |
| Loan loss allowance to noncurrent loans | 27.8816% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 4.6646% | 523 |
| Noncurrent loans to loans | 3.4912% | 899 |
| Net loans and leases to total assets | 70.4912% | 1,936 |
| Net loans and leases to deposits | 78.9953% | 2,591 |
| Net loans and leases to core deposits | 81.6482% | 2,937 |
| Total domestic deposits to total assets | 89.2347% | 1,463 |
| Equity capital to assets | 10.7150% | 2,921 |
| Core capital (leverage) ratio | 10.5605% | 2,836 |
| Tier 1 risk-based capital ratio | 17.9077% | 2,270 |
| Total risk-based capital ratio | 19.0658% | 2,274 |
| Memoranda: | ||
| Average total assets | $26,022,800 | 6,608 |
| Average earning assets | $21,657,600 | 6,625 |
| Average equity | $2,788,000 | 6,577 |
| Average total loans | $18,928,200 | 6,257 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3698% | 106 |
| Cost of funding earning assets | 0.5141% | 3,629 |
| Net interest margin | 5.8557% | 93 |
| Noninterest income to average assets | 0.0153% | 6,703 |
| Noninterest expense to average assets | 4.7870% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0051% | 6,291 |
| Return on assets (ROA) | 0.0051% | 6,339 |
| Pretax return on assets | 0.0051% | 6,317 |
| Return on Equity (ROE) | 0.0476% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.0476% | 5,920 |
| Net charge-offs to loans | 0.1049% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.0665% | 4,835 |
| Efficiency ratio | 99.8933% | 470 |
| Assets per employee ($millions) | 1.7679% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 6,218 |
| Loan loss allowance to noncurrent loans | 28.7570% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 4.6384% | 634 |
| Noncurrent loans to loans | 2.8854% | 1,419 |
| Net loans and leases to total assets | 69.8582% | 1,998 |
| Net loans and leases to deposits | 78.4825% | 2,589 |
| Net loans and leases to core deposits | 81.0474% | 2,997 |
| Total domestic deposits to total assets | 89.0112% | 1,547 |
| Equity capital to assets | 10.5476% | 3,218 |
| Core capital (leverage) ratio | 10.6225% | 2,870 |
| Tier 1 risk-based capital ratio | 17.7508% | 2,422 |
| Total risk-based capital ratio | 18.7345% | 2,485 |
| Memoranda: | ||
| Average total assets | $26,070,250 | 6,679 |
| Average earning assets | $21,266,500 | 6,703 |
| Average equity | $2,793,000 | 6,647 |
| Average total loans | $19,063,000 | 6,312 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2918% | 121 |
| Cost of funding earning assets | 0.5268% | 3,640 |
| Net interest margin | 5.7650% | 100 |
| Noninterest income to average assets | 0.4475% | 4,179 |
| Noninterest expense to average assets | 5.0075% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0000% | 6,302 |
| Return on assets (ROA) | 0.0000% | 6,366 |
| Pretax return on assets | 0.0000% | 6,353 |
| Return on Equity (ROE) | 0.0000% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | -0.0208% | 5,985 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 483 |
| Assets per employee ($millions) | 1.7629% | 6,805 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 6,103 |
| Loan loss allowance to noncurrent loans | 20.0935% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 6.0545% | 448 |
| Noncurrent loans to loans | 4.5337% | 769 |
| Net loans and leases to total assets | 70.7522% | 1,758 |
| Net loans and leases to deposits | 79.5451% | 2,394 |
| Net loans and leases to core deposits | 82.1435% | 2,787 |
| Total domestic deposits to total assets | 88.9460% | 1,662 |
| Equity capital to assets | 10.5737% | 3,204 |
| Core capital (leverage) ratio | 10.4979% | 2,877 |
| Tier 1 risk-based capital ratio | 17.7108% | 2,434 |
| Total risk-based capital ratio | 18.8003% | 2,461 |
| Memoranda: | ||
| Average total assets | $25,921,000 | 6,733 |
| Average earning assets | $20,503,000 | 6,771 |
| Average equity | $2,791,670 | 6,699 |
| Average total loans | $19,190,670 | 6,349 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3960% | 103 |
| Cost of funding earning assets | 0.5380% | 3,697 |
| Net interest margin | 5.8580% | 90 |
| Noninterest income to average assets | 0.4365% | 4,209 |
| Noninterest expense to average assets | 5.2221% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2027% | 6,519 |
| Return on assets (ROA) | -0.2027% | 6,557 |
| Pretax return on assets | -0.2027% | 6,549 |
| Return on Equity (ROE) | -1.8641% | 6,555 |
| Retained earnings to average equity (ytd only) | -1.8641% | 6,066 |
| Net charge-offs to loans | -0.0207% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0373% | 440 |
| Assets per employee ($millions) | 1.7680% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 6,296 |
| Loan loss allowance to noncurrent loans | 23.1081% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 5.8409% | 555 |
| Noncurrent loans to loans | 3.8336% | 1,199 |
| Net loans and leases to total assets | 72.1418% | 1,327 |
| Net loans and leases to deposits | 80.8827% | 1,964 |
| Net loans and leases to core deposits | 83.5021% | 2,386 |
| Total domestic deposits to total assets | 89.1931% | 1,563 |
| Equity capital to assets | 10.4940% | 3,542 |
| Core capital (leverage) ratio | 10.8486% | 2,405 |
| Tier 1 risk-based capital ratio | 17.3764% | 2,615 |
| Total risk-based capital ratio | 18.4441% | 2,648 |
| Memoranda: | ||
| Average total assets | $25,660,000 | 6,804 |
| Average earning assets | $20,075,000 | 6,850 |
| Average equity | $2,789,500 | 6,765 |
| Average total loans | $19,345,500 | 6,395 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5326% | 127 |
| Cost of funding earning assets | 0.5756% | 4,582 |
| Net interest margin | 5.9570% | 88 |
| Noninterest income to average assets | 0.2525% | 5,659 |
| Noninterest expense to average assets | 4.8407% | 428 |
| Loan and lease loss provision to assets | 2.0668% | 93 |
| Net operating income to assets | -1.7094% | 6,900 |
| Return on assets (ROA) | -1.7094% | 6,911 |
| Pretax return on assets | -1.7094% | 6,894 |
| Return on Equity (ROE) | -14.8168% | 6,822 |
| Retained earnings to average equity (ytd only) | -14.8505% | 6,772 |
| Net charge-offs to loans | 2.4122% | 264 |
| Credit loss provision to net charge-offs | 109.0164% | 2,693 |
| Earnings coverage of net charge-offs (x) | 0.1885% | 5,385 |
| Efficiency ratio | 93.1241% | 858 |
| Assets per employee ($millions) | 1.6533% | 6,969 |
| Cash dividends to net income (ytd only)* | -0.2273% | 7,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 6,324 |
| Loan loss allowance to noncurrent loans | 20.8333% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 6.9919% | 442 |
| Noncurrent loans to loans | 4.2088% | 1,074 |
| Net loans and leases to total assets | 77.4919% | 732 |
| Net loans and leases to deposits | 87.4340% | 1,338 |
| Net loans and leases to core deposits | 90.4760% | 1,786 |
| Total domestic deposits to total assets | 88.6290% | 1,817 |
| Equity capital to assets | 11.2742% | 2,654 |
| Core capital (leverage) ratio | 11.1350% | 2,138 |
| Tier 1 risk-based capital ratio | 17.2051% | 2,554 |
| Total risk-based capital ratio | 18.2512% | 2,618 |
| Memoranda: | ||
| Average total assets | $25,740,000 | 6,850 |
| Average earning assets | $21,369,800 | 6,877 |
| Average equity | $2,969,600 | 6,790 |
| Average total loans | $20,230,200 | 6,415 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5672% | 129 |
| Cost of funding earning assets | 0.5719% | 4,898 |
| Net interest margin | 5.9954% | 90 |
| Noninterest income to average assets | 0.5082% | 3,866 |
| Noninterest expense to average assets | 5.1792% | 331 |
| Loan and lease loss provision to assets | 2.8026% | 49 |
| Net operating income to assets | -2.4690% | 7,088 |
| Return on assets (ROA) | -2.4690% | 7,090 |
| Pretax return on assets | -2.4690% | 7,074 |
| Return on Equity (ROE) | -21.2851% | 7,004 |
| Retained earnings to average equity (ytd only) | -21.2851% | 6,989 |
| Net charge-offs to loans | 3.3527% | 144 |
| Credit loss provision to net charge-offs | 106.2257% | 2,766 |
| Earnings coverage of net charge-offs (x) | 0.1265% | 5,271 |
| Efficiency ratio | 93.9479% | 778 |
| Assets per employee ($millions) | 1.6825% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 6,597 |
| Loan loss allowance to noncurrent loans | 32.9167% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 5.7770% | 720 |
| Noncurrent loans to loans | 2.4374% | 2,357 |
| Net loans and leases to total assets | 77.4031% | 807 |
| Net loans and leases to deposits | 87.7425% | 1,382 |
| Net loans and leases to core deposits | 93.6122% | 1,616 |
| Total domestic deposits to total assets | 88.2162% | 1,904 |
| Equity capital to assets | 10.9200% | 3,358 |
| Core capital (leverage) ratio | 10.8769% | 2,512 |
| Tier 1 risk-based capital ratio | 16.4872% | 3,008 |
| Total risk-based capital ratio | 17.4324% | 3,144 |
| Memoranda: | ||
| Average total assets | $25,975,000 | 6,930 |
| Average earning assets | $21,682,750 | 6,959 |
| Average equity | $3,013,000 | 6,865 |
| Average total loans | $20,440,750 | 6,491 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4640% | 157 |
| Cost of funding earning assets | 0.5909% | 4,978 |
| Net interest margin | 5.8731% | 105 |
| Noninterest income to average assets | 0.5339% | 3,695 |
| Noninterest expense to average assets | 5.0571% | 359 |
| Loan and lease loss provision to assets | 3.8672% | 27 |
| Net operating income to assets | -3.4629% | 7,174 |
| Return on assets (ROA) | -3.4629% | 7,175 |
| Pretax return on assets | -3.4629% | 7,169 |
| Return on Equity (ROE) | -29.3029% | 7,095 |
| Retained earnings to average equity (ytd only) | -29.3029% | 7,083 |
| Net charge-offs to loans | 4.9009% | 68 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 0.1045% | 5,028 |
| Efficiency ratio | 92.5978% | 888 |
| Assets per employee ($millions) | 1.7243% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6460% | 6,887 |
| Loan loss allowance to noncurrent loans | 43.5986% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 4.7170% | 1,026 |
| Noncurrent loans to loans | 1.4817% | 3,689 |
| Net loans and leases to total assets | 74.9265% | 1,114 |
| Net loans and leases to deposits | 84.5027% | 1,788 |
| Net loans and leases to core deposits | 87.2967% | 2,281 |
| Total domestic deposits to total assets | 88.6676% | 1,727 |
| Equity capital to assets | 10.7601% | 3,380 |
| Core capital (leverage) ratio | 10.3523% | 2,982 |
| Tier 1 risk-based capital ratio | 16.7853% | 2,766 |
| Total risk-based capital ratio | 17.5452% | 2,981 |
| Memoranda: | ||
| Average total assets | $26,220,670 | 6,981 |
| Average earning assets | $21,998,670 | 7,009 |
| Average equity | $3,098,670 | 6,884 |
| Average total loans | $20,690,000 | 6,529 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5892% | 146 |
| Cost of funding earning assets | 0.5845% | 5,252 |
| Net interest margin | 6.0046% | 100 |
| Noninterest income to average assets | 0.5152% | 3,812 |
| Noninterest expense to average assets | 5.0608% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5909% | 4,386 |
| Return on assets (ROA) | 0.5909% | 4,603 |
| Pretax return on assets | 0.5909% | 5,147 |
| Return on Equity (ROE) | 4.7904% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.7904% | 3,682 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5442% | 1,137 |
| Assets per employee ($millions) | 1.9091% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 6,987 |
| Loan loss allowance to noncurrent loans | 8.1081% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 6.1321% | 754 |
| Noncurrent loans to loans | 7.3336% | 586 |
| Net loans and leases to total assets | 78.8087% | 513 |
| Net loans and leases to deposits | 90.1326% | 954 |
| Net loans and leases to core deposits | 95.6541% | 1,322 |
| Total domestic deposits to total assets | 87.4364% | 2,696 |
| Equity capital to assets | 12.2531% | 1,874 |
| Core capital (leverage) ratio | 12.2926% | 1,440 |
| Tier 1 risk-based capital ratio | 19.4859% | 1,846 |
| Total risk-based capital ratio | 20.2356% | 1,951 |
| Memoranda: | ||
| Average total assets | $26,399,000 | 7,040 |
| Average earning assets | $22,582,500 | 7,057 |
| Average equity | $3,256,500 | 6,911 |
| Average total loans | $21,282,500 | 6,541 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6335% | 153 |
| Cost of funding earning assets | 0.6964% | 5,565 |
| Net interest margin | 5.9370% | 94 |
| Noninterest income to average assets | 0.5610% | 3,427 |
| Noninterest expense to average assets | 5.1930% | 335 |
| Loan and lease loss provision to assets | 0.5462% | 1,911 |
| Net operating income to assets | -0.1439% | 6,197 |
| Return on assets (ROA) | -0.1439% | 6,274 |
| Pretax return on assets | -0.1439% | 6,243 |
| Return on Equity (ROE) | -1.2030% | 6,265 |
| Retained earnings to average equity (ytd only) | -1.4498% | 6,083 |
| Net charge-offs to loans | 0.3807% | 3,504 |
| Credit loss provision to net charge-offs | 178.3133% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.3133% | 4,794 |
| Efficiency ratio | 92.8100% | 996 |
| Assets per employee ($millions) | 1.8621% | 7,196 |
| Cash dividends to net income (ytd only)* | -20.5128% | 7,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 7,025 |
| Loan loss allowance to noncurrent loans | 14.5497% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 3.6479% | 1,611 |
| Noncurrent loans to loans | 4.0515% | 1,541 |
| Net loans and leases to total assets | 81.5075% | 373 |
| Net loans and leases to deposits | 93.1483% | 874 |
| Net loans and leases to core deposits | 98.9707% | 1,263 |
| Total domestic deposits to total assets | 87.5029% | 2,470 |
| Equity capital to assets | 12.4204% | 1,846 |
| Core capital (leverage) ratio | 11.9886% | 1,601 |
| Tier 1 risk-based capital ratio | 19.0774% | 1,874 |
| Total risk-based capital ratio | 19.8197% | 1,992 |
| Memoranda: | ||
| Average total assets | $27,094,400 | 7,047 |
| Average earning assets | $22,974,400 | 7,080 |
| Average equity | $3,241,800 | 6,950 |
| Average total loans | $21,802,600 | 6,568 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5366% | 190 |
| Cost of funding earning assets | 0.7231% | 5,637 |
| Net interest margin | 5.8135% | 113 |
| Noninterest income to average assets | 0.5119% | 3,782 |
| Noninterest expense to average assets | 5.2015% | 313 |
| Loan and lease loss provision to assets | 0.3997% | 2,452 |
| Net operating income to assets | -0.1901% | 6,377 |
| Return on assets (ROA) | -0.1901% | 6,458 |
| Pretax return on assets | -0.1901% | 6,404 |
| Return on Equity (ROE) | -1.6036% | 6,441 |
| Retained earnings to average equity (ytd only) | -1.6036% | 6,247 |
| Net charge-offs to loans | 0.0852% | 5,119 |
| Credit loss provision to net charge-offs | 585.7143% | 464 |
| Earnings coverage of net charge-offs (x) | 3.0707% | 3,604 |
| Efficiency ratio | 96.1261% | 811 |
| Assets per employee ($millions) | 1.8199% | 7,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5915% | 7,096 |
| Loan loss allowance to noncurrent loans | 17.0861% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 3.0514% | 2,102 |
| Noncurrent loans to loans | 3.4619% | 1,984 |
| Net loans and leases to total assets | 79.4168% | 568 |
| Net loans and leases to deposits | 90.9625% | 1,114 |
| Net loans and leases to core deposits | 96.3727% | 1,570 |
| Total domestic deposits to total assets | 87.3072% | 2,469 |
| Equity capital to assets | 11.8869% | 2,344 |
| Core capital (leverage) ratio | 11.6895% | 1,892 |
| Tier 1 risk-based capital ratio | 18.9456% | 1,956 |
| Total risk-based capital ratio | 19.6987% | 2,070 |
| Memoranda: | ||
| Average total assets | $27,350,500 | 7,111 |
| Average earning assets | $23,049,250 | 7,150 |
| Average equity | $3,242,750 | 7,004 |
| Average total loans | $21,909,500 | 6,621 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3481% | 258 |
| Cost of funding earning assets | 0.7468% | 5,690 |
| Net interest margin | 5.6012% | 154 |
| Noninterest income to average assets | 0.4969% | 3,884 |
| Noninterest expense to average assets | 5.2032% | 312 |
| Loan and lease loss provision to assets | 0.5481% | 1,771 |
| Net operating income to assets | -0.5408% | 6,721 |
| Return on assets (ROA) | -0.5408% | 6,742 |
| Pretax return on assets | -0.5408% | 6,681 |
| Return on Equity (ROE) | -4.5651% | 6,687 |
| Retained earnings to average equity (ytd only) | -4.5651% | 6,532 |
| Net charge-offs to loans | 0.0911% | 4,755 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 0.1000% | 5,217 |
| Efficiency ratio | 99.8597% | 726 |
| Assets per employee ($millions) | 1.7674% | 7,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 7,153 |
| Loan loss allowance to noncurrent loans | 9.5527% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 4.9402% | 1,238 |
| Noncurrent loans to loans | 6.1309% | 958 |
| Net loans and leases to total assets | 75.6348% | 1,133 |
| Net loans and leases to deposits | 85.8439% | 1,813 |
| Net loans and leases to core deposits | 90.6963% | 2,293 |
| Total domestic deposits to total assets | 88.1074% | 2,071 |
| Equity capital to assets | 11.3516% | 2,644 |
| Core capital (leverage) ratio | 11.5663% | 1,867 |
| Tier 1 risk-based capital ratio | 19.2066% | 1,785 |
| Total risk-based capital ratio | 19.9605% | 1,898 |
| Memoranda: | ||
| Average total assets | $27,367,670 | 7,178 |
| Average earning assets | $23,030,670 | 7,213 |
| Average equity | $3,242,000 | 7,058 |
| Average total loans | $21,943,000 | 6,683 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 674 |
| Cost of funding earning assets | 0.7565% | 5,822 |
| Net interest margin | 5.0893% | 312 |
| Noninterest income to average assets | 0.4459% | 4,324 |
| Noninterest expense to average assets | 5.2466% | 300 |
| Loan and lease loss provision to assets | 0.3716% | 2,328 |
| Net operating income to assets | -0.7729% | 6,946 |
| Return on assets (ROA) | -0.7729% | 6,955 |
| Pretax return on assets | -0.7729% | 6,902 |
| Return on Equity (ROE) | -6.3843% | 6,887 |
| Retained earnings to average equity (ytd only) | -6.3843% | 6,626 |
| Net charge-offs to loans | 0.1986% | 3,312 |
| Credit loss provision to net charge-offs | 227.2727% | 1,343 |
| Earnings coverage of net charge-offs (x) | -2.4545% | 4,975 |
| Efficiency ratio | 108.2822% | 532 |
| Assets per employee ($millions) | 1.7006% | 7,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3366% | 7,383 |
| Loan loss allowance to noncurrent loans | 5.6948% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 4.8403% | 1,313 |
| Noncurrent loans to loans | 5.9106% | 1,080 |
| Net loans and leases to total assets | 81.6164% | 375 |
| Net loans and leases to deposits | 92.9669% | 922 |
| Net loans and leases to core deposits | 98.9970% | 1,430 |
| Total domestic deposits to total assets | 87.7908% | 2,492 |
| Equity capital to assets | 11.8784% | 1,994 |
| Core capital (leverage) ratio | 12.0368% | 1,545 |
| Tier 1 risk-based capital ratio | 18.8126% | 1,863 |
| Total risk-based capital ratio | 19.2491% | 2,084 |
| Memoranda: | ||
| Average total assets | $26,912,500 | 7,238 |
| Average earning assets | $23,264,500 | 7,258 |
| Average equity | $3,258,000 | 7,093 |
| Average total loans | $22,157,500 | 6,732 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3107% | 99 |
| Cost of funding earning assets | 0.8866% | 6,218 |
| Net interest margin | 6.4241% | 70 |
| Noninterest income to average assets | 0.5720% | 3,656 |
| Noninterest expense to average assets | 5.5228% | 299 |
| Loan and lease loss provision to assets | 0.1237% | 5,926 |
| Net operating income to assets | 0.3865% | 4,607 |
| Return on assets (ROA) | 0.3865% | 4,749 |
| Pretax return on assets | 0.3865% | 4,989 |
| Return on Equity (ROE) | 3.0900% | 4,924 |
| Retained earnings to average equity (ytd only) | 2.8119% | 3,883 |
| Net charge-offs to loans | 0.1052% | 5,817 |
| Credit loss provision to net charge-offs | 145.4545% | 2,538 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,471 |
| Efficiency ratio | 91.5439% | 1,213 |
| Assets per employee ($millions) | 1.6635% | 7,523 |
| Cash dividends to net income (ytd only)* | 9.0000% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2769% | 7,493 |
| Loan loss allowance to noncurrent loans | 6.6161% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 3.4641% | 2,011 |
| Noncurrent loans to loans | 4.1846% | 1,729 |
| Net loans and leases to total assets | 82.5518% | 410 |
| Net loans and leases to deposits | 94.3369% | 1,029 |
| Net loans and leases to core deposits | 99.4928% | 1,658 |
| Total domestic deposits to total assets | 87.5075% | 2,543 |
| Equity capital to assets | 12.3384% | 1,722 |
| Core capital (leverage) ratio | 12.3357% | 1,378 |
| Tier 1 risk-based capital ratio | 19.2847% | 1,641 |
| Total risk-based capital ratio | 19.6430% | 1,838 |
| Memoranda: | ||
| Average total assets | $25,874,400 | 7,321 |
| Average earning assets | $21,995,200 | 7,348 |
| Average equity | $3,236,200 | 7,209 |
| Average total loans | $20,907,600 | 6,874 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3645% | 100 |
| Cost of funding earning assets | 0.9214% | 6,306 |
| Net interest margin | 6.4431% | 70 |
| Noninterest income to average assets | 0.5346% | 3,912 |
| Noninterest expense to average assets | 5.5275% | 267 |
| Loan and lease loss provision to assets | 0.0882% | 6,164 |
| Net operating income to assets | 0.3633% | 4,916 |
| Return on assets (ROA) | 0.3633% | 5,096 |
| Pretax return on assets | 0.3633% | 5,337 |
| Return on Equity (ROE) | 2.8946% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.8534% | 4,428 |
| Net charge-offs to loans | 0.1228% | 5,319 |
| Credit loss provision to net charge-offs | 89.4737% | 4,790 |
| Earnings coverage of net charge-offs (x) | 4.5795% | 2,990 |
| Efficiency ratio | 92.4479% | 1,084 |
| Assets per employee ($millions) | 1.6375% | 7,631 |
| Cash dividends to net income (ytd only)* | 1.4251% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2308% | 7,630 |
| Loan loss allowance to noncurrent loans | 5.1633% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 3.6221% | 1,968 |
| Noncurrent loans to loans | 4.4705% | 1,621 |
| Net loans and leases to total assets | 80.8359% | 635 |
| Net loans and leases to deposits | 93.2996% | 1,280 |
| Net loans and leases to core deposits | 97.2584% | 2,125 |
| Total domestic deposits to total assets | 86.6412% | 2,720 |
| Equity capital to assets | 12.4504% | 1,879 |
| Core capital (leverage) ratio | 12.4172% | 1,453 |
| Tier 1 risk-based capital ratio | 19.7052% | 1,603 |
| Total risk-based capital ratio | 20.0012% | 1,778 |
| Memoranda: | ||
| Average total assets | $25,689,000 | 7,421 |
| Average earning assets | $21,707,250 | 7,455 |
| Average equity | $3,224,250 | 7,306 |
| Average total loans | $20,626,250 | 6,981 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3290% | 106 |
| Cost of funding earning assets | 0.9463% | 6,394 |
| Net interest margin | 6.3827% | 75 |
| Noninterest income to average assets | 0.5800% | 3,480 |
| Noninterest expense to average assets | 5.5567% | 268 |
| Loan and lease loss provision to assets | 0.0784% | 6,158 |
| Net operating income to assets | 0.3370% | 5,041 |
| Return on assets (ROA) | 0.3370% | 5,194 |
| Pretax return on assets | 0.3370% | 5,400 |
| Return on Equity (ROE) | 2.6777% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.6155% | 4,475 |
| Net charge-offs to loans | 0.0979% | 5,162 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 5.3000% | 2,705 |
| Efficiency ratio | 93.0446% | 1,121 |
| Assets per employee ($millions) | 1.6513% | 7,693 |
| Cash dividends to net income (ytd only)* | 2.3256% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2486% | 7,685 |
| Loan loss allowance to noncurrent loans | 3.8404% | 7,318 |
| Noncurrent assets plus other real estate owned to assets | 5.2193% | 1,212 |
| Noncurrent loans to loans | 6.4727% | 927 |
| Net loans and leases to total assets | 77.4611% | 1,205 |
| Net loans and leases to deposits | 88.9014% | 2,015 |
| Net loans and leases to core deposits | 88.9014% | 3,424 |
| Total domestic deposits to total assets | 87.1314% | 2,466 |
| Equity capital to assets | 12.2440% | 1,955 |
| Core capital (leverage) ratio | 12.3487% | 1,472 |
| Tier 1 risk-based capital ratio | 20.7558% | 1,381 |
| Total risk-based capital ratio | 21.0830% | 1,510 |
| Memoranda: | ||
| Average total assets | $25,518,670 | 7,484 |
| Average earning assets | $21,558,330 | 7,517 |
| Average equity | $3,211,670 | 7,355 |
| Average total loans | $20,425,670 | 7,044 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2823% | 122 |
| Cost of funding earning assets | 0.9922% | 6,414 |
| Net interest margin | 6.2901% | 84 |
| Noninterest income to average assets | 0.5425% | 3,704 |
| Noninterest expense to average assets | 5.6807% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2234% | 5,605 |
| Return on assets (ROA) | 0.2234% | 5,724 |
| Pretax return on assets | 0.2234% | 5,813 |
| Return on Equity (ROE) | 1.7500% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.7500% | 5,067 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2162% | 1,011 |
| Assets per employee ($millions) | 1.8283% | 7,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2459% | 7,791 |
| Loan loss allowance to noncurrent loans | 4.1769% | 7,389 |
| Noncurrent assets plus other real estate owned to assets | 5.0086% | 1,282 |
| Noncurrent loans to loans | 5.8880% | 1,131 |
| Net loans and leases to total assets | 80.8173% | 736 |
| Net loans and leases to deposits | 92.8123% | 1,499 |
| Net loans and leases to core deposits | 95.6932% | 2,618 |
| Total domestic deposits to total assets | 87.0761% | 2,593 |
| Equity capital to assets | 12.5293% | 1,742 |
| Core capital (leverage) ratio | 12.9049% | 1,246 |
| Tier 1 risk-based capital ratio | 20.4437% | 1,437 |
| Total risk-based capital ratio | 20.7688% | 1,584 |
| Memoranda: | ||
| Average total assets | $25,067,500 | 7,587 |
| Average earning assets | $21,367,000 | 7,617 |
| Average equity | $3,200,000 | 7,437 |
| Average total loans | $20,380,000 | 7,141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5455% | 128 |
| Cost of funding earning assets | 1.1308% | 6,880 |
| Net interest margin | 6.4146% | 78 |
| Noninterest income to average assets | 0.6538% | 3,262 |
| Noninterest expense to average assets | 5.8223% | 334 |
| Loan and lease loss provision to assets | 0.1779% | 5,916 |
| Net operating income to assets | 0.0993% | 5,215 |
| Return on assets (ROA) | 0.0993% | 5,259 |
| Pretax return on assets | 0.0993% | 5,224 |
| Return on Equity (ROE) | 0.7505% | 5,311 |
| Retained earnings to average equity (ytd only) | 0.4691% | 4,646 |
| Net charge-offs to loans | 0.2018% | 5,377 |
| Credit loss provision to net charge-offs | 110.2564% | 4,992 |
| Earnings coverage of net charge-offs (x) | 1.7179% | 4,448 |
| Efficiency ratio | 95.4545% | 1,330 |
| Assets per employee ($millions) | 1.6359% | 7,868 |
| Cash dividends to net income (ytd only)* | 37.5000% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2547% | 7,855 |
| Loan loss allowance to noncurrent loans | 8.6882% | 7,384 |
| Noncurrent assets plus other real estate owned to assets | 2.9912% | 2,344 |
| Noncurrent loans to loans | 2.9316% | 2,629 |
| Net loans and leases to total assets | 81.3888% | 781 |
| Net loans and leases to deposits | 93.7521% | 1,628 |
| Net loans and leases to core deposits | 101.8616% | 3,816 |
| Total domestic deposits to total assets | 86.8128% | 2,601 |
| Equity capital to assets | 13.0119% | 1,500 |
| Core capital (leverage) ratio | 13.0151% | 1,250 |
| Tier 1 risk-based capital ratio | 20.3791% | 1,394 |
| Total risk-based capital ratio | 20.7046% | 1,526 |
| Memoranda: | ||
| Average total assets | $24,165,600 | 7,663 |
| Average earning assets | $20,515,600 | 7,691 |
| Average equity | $3,197,800 | 7,534 |
| Average total loans | $19,328,800 | 7,241 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5441% | 138 |
| Cost of funding earning assets | 1.1536% | 7,035 |
| Net interest margin | 6.3906% | 79 |
| Noninterest income to average assets | 0.6148% | 3,590 |
| Noninterest expense to average assets | 5.6606% | 353 |
| Loan and lease loss provision to assets | 0.0221% | 7,128 |
| Net operating income to assets | 0.3323% | 4,668 |
| Return on assets (ROA) | 0.3323% | 4,772 |
| Pretax return on assets | 0.3323% | 4,973 |
| Return on Equity (ROE) | 2.5008% | 4,993 |
| Retained earnings to average equity (ytd only) | 2.4589% | 3,955 |
| Net charge-offs to loans | 0.0905% | 5,782 |
| Credit loss provision to net charge-offs | 30.7692% | 6,502 |
| Earnings coverage of net charge-offs (x) | 4.9238% | 2,968 |
| Efficiency ratio | 94.1068% | 1,387 |
| Assets per employee ($millions) | 1.4451% | 7,999 |
| Cash dividends to net income (ytd only)* | 1.6625% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1924% | 7,982 |
| Loan loss allowance to noncurrent loans | 7.6768% | 7,483 |
| Noncurrent assets plus other real estate owned to assets | 2.7720% | 2,502 |
| Noncurrent loans to loans | 2.5063% | 3,005 |
| Net loans and leases to total assets | 80.2377% | 1,127 |
| Net loans and leases to deposits | 93.4174% | 1,981 |
| Net loans and leases to core deposits | 101.5925% | 4,203 |
| Total domestic deposits to total assets | 85.8916% | 2,753 |
| Equity capital to assets | 13.1762% | 1,633 |
| Core capital (leverage) ratio | 15.2992% | 805 |
| Tier 1 risk-based capital ratio | 21.2681% | 1,331 |
| Total risk-based capital ratio | 21.5177% | 1,463 |
| Memoranda: | ||
| Average total assets | $24,072,250 | 7,739 |
| Average earning assets | $20,342,000 | 7,773 |
| Average equity | $3,199,000 | 7,600 |
| Average total loans | $19,155,250 | 7,312 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4477% | 167 |
| Cost of funding earning assets | 1.2016% | 7,098 |
| Net interest margin | 6.2462% | 94 |
| Noninterest income to average assets | 0.6274% | 3,483 |
| Noninterest expense to average assets | 5.6552% | 358 |
| Loan and lease loss provision to assets | 0.0335% | 6,903 |
| Net operating income to assets | 0.2008% | 5,257 |
| Return on assets (ROA) | 0.2008% | 5,342 |
| Pretax return on assets | 0.2008% | 5,464 |
| Return on Equity (ROE) | 1.5064% | 5,458 |
| Retained earnings to average equity (ytd only) | 1.4437% | 4,525 |
| Net charge-offs to loans | 0.0528% | 5,753 |
| Credit loss provision to net charge-offs | 80.0000% | 5,199 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,799 |
| Efficiency ratio | 96.0227% | 1,374 |
| Assets per employee ($millions) | 1.4256% | 8,088 |
| Cash dividends to net income (ytd only)* | 4.1667% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2385% | 8,040 |
| Loan loss allowance to noncurrent loans | 11.4713% | 7,470 |
| Noncurrent assets plus other real estate owned to assets | 2.3478% | 2,769 |
| Noncurrent loans to loans | 2.0793% | 3,417 |
| Net loans and leases to total assets | 79.3852% | 1,437 |
| Net loans and leases to deposits | 92.1629% | 2,440 |
| Net loans and leases to core deposits | 100.2031% | 4,490 |
| Total domestic deposits to total assets | 86.1358% | 2,718 |
| Equity capital to assets | 13.2082% | 1,607 |
| Core capital (leverage) ratio | 13.0069% | 1,429 |
| Tier 1 risk-based capital ratio | 22.0743% | 1,245 |
| Total risk-based capital ratio | 22.3916% | 1,342 |
| Memoranda: | ||
| Average total assets | $23,907,330 | 7,819 |
| Average earning assets | $20,140,330 | 7,855 |
| Average equity | $3,186,330 | 7,668 |
| Average total loans | $18,957,000 | 7,398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3894% | 194 |
| Cost of funding earning assets | 1.2416% | 7,197 |
| Net interest margin | 6.1478% | 94 |
| Noninterest income to average assets | 0.6739% | 3,042 |
| Noninterest expense to average assets | 5.7279% | 328 |
| Loan and lease loss provision to assets | 0.0674% | 6,105 |
| Net operating income to assets | 0.0505% | 6,128 |
| Return on assets (ROA) | 0.0505% | 6,276 |
| Pretax return on assets | 0.0505% | 6,279 |
| Return on Equity (ROE) | 0.3775% | 6,315 |
| Retained earnings to average equity (ytd only) | 0.2517% | 5,559 |
| Net charge-offs to loans | 0.0639% | 4,568 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,566 |
| Efficiency ratio | 97.9827% | 1,220 |
| Assets per employee ($millions) | 1.4228% | 8,130 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2505% | 8,070 |
| Loan loss allowance to noncurrent loans | 22.4299% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 3,576 |
| Noncurrent loans to loans | 1.1169% | 4,748 |
| Net loans and leases to total assets | 79.0144% | 1,578 |
| Net loans and leases to deposits | 91.5019% | 2,694 |
| Net loans and leases to core deposits | 98.9541% | 4,650 |
| Total domestic deposits to total assets | 86.3527% | 2,524 |
| Equity capital to assets | 13.1470% | 1,680 |
| Core capital (leverage) ratio | 13.4615% | 1,337 |
| Tier 1 risk-based capital ratio | 21.7317% | 1,331 |
| Total risk-based capital ratio | 22.0597% | 1,450 |
| Memoranda: | ||
| Average total assets | $23,743,500 | 7,874 |
| Average earning assets | $19,974,500 | 7,905 |
| Average equity | $3,179,000 | 7,726 |
| Average total loans | $18,793,000 | 7,451 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1282% | 160 |
| Cost of funding earning assets | 1.5569% | 7,524 |
| Net interest margin | 6.5713% | 70 |
| Noninterest income to average assets | 0.7339% | 2,882 |
| Noninterest expense to average assets | 7.8435% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.4953% | 7,463 |
| Return on assets (ROA) | -1.3761% | 7,361 |
| Pretax return on assets | -1.3761% | 7,198 |
| Return on Equity (ROE) | -8.7448% | 7,179 |
| Retained earnings to average equity (ytd only) | -9.0072% | 6,970 |
| Net charge-offs to loans | 0.0178% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -108.6667% | 7,008 |
| Efficiency ratio | 123.5549% | 536 |
| Assets per employee ($millions) | 1.3705% | 8,192 |
| Cash dividends to net income (ytd only)* | -3.0000% | 7,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2551% | 8,122 |
| Loan loss allowance to noncurrent loans | 16.2069% | 7,359 |
| Noncurrent assets plus other real estate owned to assets | 2.4293% | 1,997 |
| Noncurrent loans to loans | 1.5739% | 3,420 |
| Net loans and leases to total assets | 78.8832% | 1,916 |
| Net loans and leases to deposits | 91.5745% | 3,205 |
| Net loans and leases to core deposits | 98.7534% | 4,953 |
| Total domestic deposits to total assets | 86.1410% | 2,339 |
| Equity capital to assets | 13.6401% | 1,559 |
| Core capital (leverage) ratio | 13.5228% | 1,381 |
| Tier 1 risk-based capital ratio | 22.3819% | 1,268 |
| Total risk-based capital ratio | 22.7129% | 1,364 |
| Memoranda: | ||
| Average total assets | $21,801,400 | 7,954 |
| Average earning assets | $18,626,400 | 7,982 |
| Average equity | $3,430,600 | 7,707 |
| Average total loans | $16,856,200 | 7,527 |